davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : TN CHILD SUP Account Number XXXX XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I am a senior citizen who has been vulnerable to financial trouble due to a bank that used my money to open up unauthorized accounts. This bank that I speak of is Wells Fargo. It first started out by putting me in a platinum savings account. Then I received notice of a standard brokerage account. In the end I have all of these accounts that I never approved of. Wells Fargo has moved my money in the manner of which they saw best fit, nothing in regards of my consent. There were also false dates that provides proof on their behalf that I was at their local branches making these changes. The time span of all these events was XXXX 2016 to XXXX 2016.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NJ)

I contacted Chase Bank a few months back to understand how they apply payments, I was told then that that payments are applied to the highest interest balance. Today XXXX/XXXX/16 I was reviewing my statements for the last few months and noticed that this has not been the case so I called Chase again. 
I spoke to a XXXX in their XXXX XXXX TX call center who told me again that payments are in fact credited to the balance with the highest interest rate.. When I told her that based on the information on my statement this was not the case so she then told me that any payment I make first is credited to my oldest promotion balance and the remaining funds to my balance with the highest interest rate. 

this again proved to be wrong based on what I have on my monthly statement. 
XXXX had me on the phone for over 45 minutes and finally transferred me to her supervisor XXXX who also could not answer my question. By then I was on the phone for an hour asking that someone tell me the breakdown of how my payments have been applied but neither XXXX or her supervisor could figure this out looking at various screens on their computer. My question is if Chase employees ca n't figure this out how an average consumer could ever be able to see where their money is being applied to. I asked XXXX to formally log my complaint as I was expecting someone at Chase could get the answer to may question and call me back but I was told that she will log the complaint but that no one at Chase would call me back as they do n't reply to the complaints filed-this just makes no sense-why log a complaint if you are not going to do anything about it. 
I now feel that Chase has been taking my money and applying the payments any way they choose -probably to my lower interest balance so that they can maximize their interest income while causing me, the consumer to overpay interest Their statements are certainly not consumer friendly to allow me in seeing how every dollar I pay is being applied. I have no faith in Chase and their customer service and want to understand as minimizing my interest costs is critical to me.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Credit Card Dept sent me a solicitation to upgrade my XXXX XXXX XXXX Credit Card to a Premier XXXX Rewards Credit Card in XXXX 2015. They promised me XXXX XXXX XXXX XXXX if I charged {$2000.00} with them in 90 days. I called them on XXXX XXXX or so and spoke with an agent who approved me for the upgrade without a credit report since I was already a customer, provided I spend {$2000.00} on the card in 90 days. I spent {$4000.00} in the time period and questioned them many times for my XXXX miles. 
I was told by many agents that I was approved and the marketing dept would send me the XXXX miles to my SouthWest Airline Rapid Rewards account. Nothing happened. 

I filed a complaint with their Executive Offices and Chase just blew me off. Finally last week an executive office agent named XXXX stated she reviewed the tape recording of XXXX XXXX conversation with me and I was correct that an offer was made to me and I did fulfill the requirements BUT, she said the agent told me I could not get a Premium card without Chase securing a new credit report. I ASKED TO HEAR A COPY OF THE XXXX XXXX CONVERSATION BUT CHASE SAID I NEED TO SUE THEM AND FILE A SUBPOENA TO HEAR THE TAPE. Another rep said the agent on XXXX/XXXX/15 conversation made a mistake. I followed the solicitation and did what I was told. I want my XXXX airmiles as promised. We had a deal and the tape recording proves it. I want a copy of the recording and my miles and an apology from Chase.
Consumer complaint received 2016-09-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: TransferWise Ltd (NY)

I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

On or about XXXX 2014 my identity was stolen and numerous credit account were opened in my name in XXXX and XXXX. I disputed the accounts and a determination was made that I was not responsible for the accounts. The credit inquiry is still on my credit report. I did not ask for or apply for the fraudulent accounts.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

Chase sent me a misleading pre-approval letter stating that I have been offered with a Chase Sapphire credit card. There is nothing on the letter suggests that it is a advertisement and I may be disapproved. It stated it was an offer, and an offer is a contractual binding if both parties agreed on it. Therefore, I went ahead and provided them my information. It ended up Chase 's lending team disapproved my credit card despite the fact that I was pre-approved. I think what Chase 's credit lending team did is misleading, deceptive, and it create monetary damage on consumer ( I wasted my hard inquiry ). I believe Chase 's credit lending team violated UDAAP Act.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OR)

I made XXXX online debit transactions on XX/XX/2016 for {$15.00}. I checked my mobile app and make sure that the items were on pending and money was available for the transactions. By XX/XX/2016, when I check my bank app again, the XXXX transactions were no longer listed as pending and my balance were down, therefore I assume the transactions were completed and done. I then wrote a check for {$540.00} on XX/XX/2016 and on XX/XX/2016, I deposited enough money to make sure the check will go through and my balance was over {$550.00}. On XX/XX/2016, the XXXX transactions I mentioned above suddenly reappear and my check also went through and now the my account got overdrawn and the bank charged me {$34.00} for overdraft fees. I called the bank and explain what happened and they explained that the {$14.00} items were dropped as transactions because the seller did n't collect their money by XX/XX/XXXX and that they decided to collect it on the XX/XX/XXXX. Evidently, it 's the bank practices that if the seller do n't collect their money within 3-4 business days then the bank would dropped the transactions but if the seller decided to collect their money in a month from the transaction 's date then it 's still okay to pull the money from the account. I told them that it 's a false illusion to the consumer that if a DEBIT transaction was made and money was drawn and put on hold then the money should n't be put back to the account. If there was any DEBIT items that were dropped by the bank then they should notify the account holder so we wo n't get blindsided by it and also get a chance to make arrangements so the transaction will go through. I asked the bank if they would refund the overdrawn fees and they said no, and they ended up blaming me for not paying enough attention to the account.
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (MD)

Firstmark Services, a division of Nelnet, has an automated calls system set up to notify a borrower when his or her account is delinquent. I paid my account yesterday. I received a receipt via email from them. The money was taken out of my bank account yesterday. Despite all of this, I still received an automated call today. This has now happened to me twice. I called to complain and was told that it had not yet been " noted, '' even though the customer service representative told me that I did not owe anything until XX/XX/XXXX. If they have ( a ) taken money out of my account, ( b ) plus I have received a receipt from them via email of the transaction, and ( c ) then been informed by a customer service representative that my account is up-to-date and I owe nothing until the next month, why am I still being harassed by automated calls? This is an embarrassment - it makes me feel that even if I do pay, I am still delinquent. Furthermore, they should NOT be allowed to call you over and over again in this manner, especially if your account has been paid.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

It sure would be nice if someone would finally help m for a change. It is obvious that JP Morgan Chase does not give a XXXX about their customers and leaving people homeless. I have written previously and WILL CONTINUE TO REPORT JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well XXXX, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX I contacted Chase Slate card services twice to get a pay off for XXXX credit cards. I was told they could not give me an amount. I paid the balance on both cards and closed the accounts as of XXXX XXXX 2016. I the received a bill for {$170.00} XXXX XXXX XXXX I went into Chase and spoke to a loan officer about getting pay off. She spoke to Chase services and told me to pay {$170.00} that day. I did pay the amount. I contacted the WA Attorney General because I felt they should have given me a pay off. Today a representative of Chase called me I was told I had to pay an additional {$11.00}. I went back into a Chase bank a loan officer called services and spent over an hour trying to get this fee waived. He was told no. We offered to pay the amount if we could have an email or something to say it was paid off. The card rep said no. The local loan officer was told it was the principal. I then found out the {$11.00} was for XXXX of the cards that had a XXXX balance when I checked XXXX XXXX. The {$11.00} posted XXXX XXXX. How can I get them to stop charging me and why cant they calculate a pay off when someone calls even their loan officers. I am told all is legal. Sounds very wrong to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is a follow-up complaint, to CFPB Complaint XXXX, that I filed to Equifax, about a collection agency falsely placing a collection item on my credit bureau reporting for some {$2600.00}. Since then, in a separate complaint that I filed with the CFPB against that collection agency ( " XXXX XXXX XXXX XXXX '' or " XXXX '' ), they have responded on XXXX that they and their client can not 'confirm or deny ' the accuracy of the account falsely reported to the three major credit bureaus ( see attached ). That is evidence, in-and-of-itself that the account should not appear as a legitimate collection item on my credit reports, but that the collection agent has a duty to investigate it and verify it, and until they can do that, should not in the interim report the item to my credit bureau reports. XXXX, having acknowledged that that can not determine its legitimacy, needs to delete it immediately.
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Systems of the Fox Valley, Inc. (WI)

Credit Systems of the Fox Valley has been calling my cellphone and my work phone simultaneously for the last 15 minutes over and over again. I have no idea how they got my work number. They 're not allowed to have this number. 

They do n't leave a message either. It 's distracting me from my job and upsetting me.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (AK)

My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.