davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

The Collection Company did bot send any informational letter of how to dispute the procedure.

The Collection agency exactly at XXXX on the dot, in the morning automatically was calling to keep me informed. 

I agreed over the phone to pay the debt in exchange to not touch my credit. They agreed. After I paid, they reported negative credit. Another report is for a whole month worth of negative despite was paid in time. 

I called the company which the representatives informed me that they must report ; Which had breached our first agrement, which they did not honor. 



XXXX the original creditor, website, did not allow me to pay the past due showing no payment and lately deleted the whole account. 

XXXX Website and Mobile app failed to submit my car accident report, by showing website errors and eventually deleting all my data after I changed their insurance and they sent me to collections.
Consumer complaint received 2015-06-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OR)

1. I authorize withdrawals from my checking account for my payment and they do not come out. Example : I authorized a withdrawal on XXXX/XXXX/2015. It 's been 4 business days and the payment has not come out yet. Then the bank says that my payment is returned. I have enough money in my account, it just is not debited. I paid XXXX other bills, XXXX the State of Oregon, and the other the IRS, on XX/XX/XXXX. XXXX payments, also through checking account debit, came out the same day. 
2. Chase has locked me out of my online account access. I tried to log in using my account number, my social security number, and date of birth, and it locked me out. I called. I was on the phone for 24 minutes and when I finally got to someone who could help, she asked me security questions like what streets I 've lived on and where I 've worked. She told me my answers " could n't be verified ''. I do not know where Chase is getting their information about ME, but it is not correct. I KNOW where I have lived and where I have worked. I wrote them a letter to this effect, but did not get a response.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I own a condominium in XXXX, XXXX XXXX. I had a mortgage with J P Morgan Chase that was paid off in XXXX of 2013. I just found out recently that Chase never submitted the satisfaction of mortgage with the County Register as required by NY State Law Chapter 50, Article 8, Section 275. I contacted Chase and the bank admitted the error and is now in the process of submitting the satisfaction to the County Register, approximately 2 years after it was paid off. According to the NY State law, Chase is obligated to pay me {$1500.00} as a penalty for late filing. I asked Chase to pay me the money, but the bank refused. The person I spoke to is XXXX XXXX ( XXXX, extension XXXX )
Consumer complaint received 2016-10-19
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC (GA)

During 2013, I was leasing to own a vehicle with Mark One Financial and one time I was late between 30-59 days. I was paying on-time and up to that point and every single month afterwards I was never late. I asked while I was still under contract with them if I could have the late removed they said no. I asked again with a goodwill letter if it could be removed and again was told that the decision to be made was it would stay. It has been my only late with a vehicle and the only one listed on my credit report. If you could please assist me in getting this XXXX late removed on my credit report it would help me. 

Thank you
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I had a traditional mortgage thru Chase. At the beginning of the mortgage, I set up a Chase pay account and made 13 payments per year. In addition to making an extra payment per year for 9 years, I also included an extra {$100.00} to {$200.00} per month to pay down the principal of the loan early. Chase acknowledges getting 13 payments from me in XX/XX/XXXX and every year prior to XX/XX/XXXX, but is reporting me as late for a payment XX/XX/XXXX. Chase is stating that regardless of what i did in the previous year, they are going to report this payment late.
Consumer complaint received 2017-02-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank permitted a scammer company to place {$12000.00} on my credit card account. I had no knowledge of the charge amount ; I did not authorize ANYONE TO USE THIS ACCOUNT NOR DID I GIVE ANYONE THE CARD NUMBER. I am the only authorized signer on this card!. This {$12000.00} was also put on my credit card AFTER I had closed all accounts at Chase Bank!! 
I have complained about this situation in the past. Chase Bank has now charged off this amount but that has decimated my credit score and has resulted in my not being able to secure a mortgage.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. UNITED REVENUE CORP has a collection account placed on my credit report.
Consumer complaint received 2015-07-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commercial Recovery Systems (MI)

I would like to request another investigation. I am not satisfied with the previous one. The facts are not being delivered. The company has never supplied a copy of the original bill which includes original dates from the original business. 

The date of delinquency on this account has been purged. The original date of delinquency is very clearly stated on the bill and is stated as XX/XX/XXXX. Please have collection agency validate. XX/XX/XXXX is inaccurate. The collection agency must have a different bill than I have. The collection agency has clearly re-aged this account. Re-aging this account according to FCRA is against the law. The first date of removal for this account was somehow changed from XX/XX/XXXX. I providing the information I had which is clearly showed a different date than what the collection agency is reporting. This false reporting of information has been upheld by the both XXXX and XXXX. The company is using the date that the account was sent to them as the beginning date of delinquency. The company continues to report this invalid information to the credit bureaus. Several unsuccessful attempts have been made to have this removed from my credit.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (MO)

I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WA)

I had added XXXX lines to my account with XXXX. My husband suddenly bailed on our marriage and cancelled those XXXX lines, incurring early termination fees. We each made a {$200.00} payment toward the {$1700.00} bill. The account was turned over to collecttions. Neither payment was reflected in the balance they were seeking. Within two months, I received bills from a different collection agency, again not reflecting our payments. I made regular payments to them on a monthly basis. A woman from the agency contacted me and proposed a settlement agreement. ; if paid {$210.00} for the next 3 months, the debt would be settled. I agreed and fulfilled my portion of the contract. She told me I would receive a letter after my last payment within 30 days stating the account was satisfied in full. The letter never arrived. I called her back ; she told me to call the " escalation department. '' When I did so, the phone was either not answered or answered by someone who just said hello and then hung up on me. Next, I received a bill from another collection agency asserting that I owed the amount that was supposed to have been written off. At this point, I have paid the entire balance ; there 's nothing to write off. The last collection agency is still trying to get {$600.00} from me. I was deceptively treated. XXXX has written off this account ; these people are trying to milk me for more money.
Consumer complaint received 2015-12-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC (TX)

My husband took out a title loan with this company. They repeatedly harassed him at work on his cell and office number when he told them not to call his cell or work number. He got laid off in XX/XX/XXXX and totaled the truck in XX/XX/XXXX. They are the title holder and was notified by the toll truck company and me. They put insurance on these vehicles in case something happens. After the vehicle was totaled they repeatedly called harassing him. They were informed 2 weeks ago that he died on XXXX/XXXX/2015. Today XXXX/XXXX/15 they texted his phone. Quote " Good afternoon this is XXXX mgr at Lone Star Title Loans it is important for you to call me at XXXX before XXXX XXXX or you may text back '' sent XXXX XXXX. How is a deceased person suppose to call or text, really you idiots. I used to work for a company like this one they can verify date of death at XXXX or the funeral homes website. I provided this info the them today. by responding to the text message. They were told not to call the cell number I know they did not have permission to text. What happened to the cell phone consent policy.Then they called his phone from the same number at XXXX XXXX today and did not leave a message. My grandson started asking questions again about his papas death and started crying because they were trying to contact a dead person. Really you dummies this is borderline harass.
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (OH)

SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact BoA I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives. 
Can you please look into the above complain because the representatives at BoA do not care about customer complains.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (OH)

I have had an account with NetSpend Debit for three years. On XXXX XXXX, 2016 filed a dispute for an inaccurate purchase that took place on XXXX XXXX, 2016. Because I did not receive the product from the vendor. After 15 days plus, I was told that I was not going to receive credit for the amount disputed because the transaction was over 120 days. I requested to have a copy of the Statutes of dispute filing limitations of which I was refused. I received a call on XXXX XXXX 2016 from the NetSpend corporate office and was told that I was not going to receive credit or further investigation based on their policy of " Safe Harbor Law ''. My issue is that their is nothing in any of the marketing literature, documents that I signed in entering the agreement etc. I am demanding to have in document form the policy that states the statutes of filing disputes over 120 days based or due to the " safe harbor rule ''.
Consumer complaint received 2017-02-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America/ We began calling in XXXX of XXXX. We faxed all papers requested. We followed all and in XXXX of XXXX, we were told we can walk into any branch to file our paperwork. Mind you our mortgage is always paid on time. It is the equity line of credit that they began asking a few dollars short of our mortgage payments that we need lowered. To date we have paid interest monthly, however they feel tripling the amounts we should be able to pay. The facts are I only recieve social security, do not file federal taxes do to my age, and need the equity payments re-evaluated. The bank has asked for same forms over and over, we faxed mailed and can not pay a double mortgage. we explained this only to be refured to a counselor whom informed us that the making homes affordable is no longer. Than today i called the hot line only to be told it is. At this time i need some one to investigate the bank, and the referals they are giving. The bank for not working within the time allowed and the refferal agency for miss leading people. We do not want to loose our home. we only want a lower payment.
Consumer complaint received 2016-02-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Hi, I have a home loan with Bank of America and my mortgage was about XXXX monthly. 
For some reason my taxes went up where I was included to a different percentage rate once I was classified as investor and not owner living in the property. 
So I got in touch with the county and they fixed and I sent to the bank all paper work, but when I called the bank they did not corrected my mortgage payment once my escrow was showing I own the bank almost {$2500.00} and my mortgage jumped to $ XXXX monthly. I told them I could not afford to pay that amount and it was adjusted to {$1500.00} which for my budget still high. 
I know the county still have to send me or to the bank a refund but I have no idea how long that will take. 
I guess the fight should be done between bank of America and the county, I do n't see a reason to pay for someone 's mistake.
Consumer complaint received 2015-09-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. ''
Consumer complaint received 2016-12-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have tried to fix a loan that I have with Bank of America for the last year, in that process they at no time did they give me the opportunity to refinance or to work with me on converting a balloon mortgage to a conventional loan until it was to full term and then they would not let me make payments due to the term was due in full. After the fact that it was late they would not let me refinance with them due to it being one payment late. So they have pushed me around for the last year to get the XXXX form sent in. I have sent 8 forms in and every time it has been something else was not filled out right or it was due to the fax being as they say unreadable. When I have faxed it from their branch and also sent in myself. I have had nothing but problems with them and they have successfully ruined my credit in the process. I am having to put the house in my wife 's name so we can refinance it and so we can get a loan from another bank because I would n't trust or finance another thing from Bank of America. At no time can you go to a branch and have someone help you because it has to go to Colorado for evaluation and they do not call you back in a timely manner, so you have make a scheduled appointment with them to get a answer. I have sent 8 forms in and no success but I can call the IRS and with in one hour I had the transcript that they needed and they will not accept it because they did n't get it from the IRS. I want to file a complaint.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

in 2008 my wife inquired to bank of america for a equity line of credit. I was not present at the time of the transaction but I did come in to sign the paperwork. I believed my wife so I signed the paper so as time went by we stayed current then XXXX we fell we were mislead and under informed about the true nature of this loan and its structure of double intrest.Thank you for your time and consideration of our matter based on the market. We contacted the bank to see if we could come to a better resolution .We sent taxes form everything they asked for and were denied at every attempt they would do nothing. So I am writing you for help we paid interest for the first part of the received a letter saying our payment would increase from {$360.00} to $ XXXX the time of the transaction the loan officer explained to my wife that there would be a slight increase loan now the payment as increased and there 's interest on that payment as well. I