davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

My car was totaled on XXXX XXXX, 2014. I was hit from behind by a girl who was probably texting. My Insurance company took possession of my totaled car immediately and paid me off on XXXX XXXX saying, in writing, that as part of the settlement they were also paying off the balance of my car at Wells Fargo Dealer Services. Apparently there had been some change in the payoff when they sent the check and Wells Fargo sent it back to them. They did not pay off my car on time and I actually had to make another 2 payments on the car, which they reimbursed me for. A manager at Wells Fargo Dealer Services named XXXX assured me, XXXX XXXX and my attorney in a conference call that he would have the bureau corrected and it still has not been done. This month marks the 1 year point since I was hit and next month will be 1 year since they put this ding on my credit, reducing my score from XXXX to XXXX. I now need to buy another car for my family and am going to have to deal with the interest rates afforded for a much lower score than mine should be, due to no fault of my own.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First National Collection Bureau, Inc. (FL)

Supposedly there is a debt that I owe XXXX. It has been with a particular collection agency for the past 8+ years I am assuming ( Since i have not had XXXX in 8+ years ). I just now get a notice from a different Collection agency that they have been assigned this debt from the First agency. So they are sharing my information with 3rd parties for debts that are past the statue of limitations as well as I have no business with either Company. This is not only unethical but it is also immoral.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (NJ)

this debit was paid to XXXX on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by XXXX to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something XXXX failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since XXXX never sent me a letter showing that the debt was settled.
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

I keep trying to submit for a bank acct specifically with chase and a few others and this website keeps popping up as the reference to why i keep getting a denial. I had my identity stolen i have submitted information to all credit reporting agencies as well as companies the police reports and the result in filing a discharged bankruptcy.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (IN)

XX/XX/2016 XXXX XXXX GM FINANCIAL XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim MY ACCOUNT WAS CHARGED OFF {$18000.00}. 
By not replying in a timely manner to my initial letter on XX/XX/2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking up to {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
Please Note : This notice is a XXXX attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter sent to Gm financial in XXXX, Tx. the did not only respond or provide requested documents as requested in the letter above.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Our mortgage was transferred from XXXX XXXX XXXX. We had my husband had been approved for a National Unemployment forbarence program EFF XX/XX/XXXX thru XX/XX/XXXX. When our mortgage was transferred to Greentree, we called in XXXX to be sure that they had the approval for the program and that the XXXX months of payments would be added to the back end of our loan as promised. Just to be sure, and after speaking with " XXXX '' our new account manager, we faxed the approval to her and then followed up to be sure that they had it. We made a multitude of calls between XX/XX/XXXX, and XX/XX/XXXX, and we have received no amount that we can pay going forward on XX/XX/XXXX ; as XXXX XXXX XXXX told XXXX. We were willing to catch up on our XX/XX/XXXX thru XX/XX/XXXX payments, but XXXX told Us thaf our account was in foreclosure review with an attorney! We told her that they could not do that, because the XXXX month foebarence is a National Unemployment program approved by President Obama. She really became rude with us and just pretty much said that is the way it was. When I asked for someone above her, I was referred to someone who identified himself as a supervisor ; his name only given as " XXXX ''. When I spoke to him on or about XX/XX/XXXX, I had to repeat the entire story. He told me that he would see if he could get all of the late fees and legal fees removed. When I spoke to him again on XXXX XXXX, he said that they would not waive the fees and then proceeded to tell me that my husband 's foebarence was dated XX/XX/XXXX thru XX/XX/XXXX ; which I told him was absolutely not true! He was also argumentative and said that he did n't know what I was looking at and that he would need a faxx. I called immediately to a young man named XXXX at XXXX XXXX XXXX, and not only did he read me the letter confirming the XX/XX/XXXX thru XX/XX/XXXX dates, but he also faxed it to " XXXX '', at Greentree Servicing. We left another message on " XXXX '', voicemail, because XXXX would not give me a direct phone number. To date, we have still heard nothing!!! We are begging to start paying our mortgage, and in face have already paid off our {$29000.00} mortgage with their same company!!!! In good faith, we have offered multiple times to pay the XX/XX/XXXX thru XX/XX/XXXX, as well as the XX/XX/XXXX, and begin paying every month, thereafter. However, they tell us NOT to pay until they have had a chance to review. We are more than concerned that this is going on and on and therefore our mortgage gets further behind!!!
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, There are some personal information in my credit report that are incorrect : For instance the " Employer Reported and Date Reported '' XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXMy employer 's name is XXXX and neither of the above misspelled names. 

Same with the information in " Names Reported '' XXXX XXXX XXXXMy full name is XXXX XXXX and not XXXX XXXX as listed. 

Please help correct the above information on my credit profile.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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 2017-01-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Chase took all my transactions from yesterday XXXX that were not pending when I did them like cash withdrawals and pushed them out a day later and charged me 2 overdraft fees when the XXXX are you going to stop chase bank from juggling when things happen as to make more in overdrafts I think they implemented a new algorithm after first of year all transaction that I saw complete on XXXX were pushed off to XXXX XXXX. This makes perfect sense because how the XXXX would I be able to withdraw cash if I was overdrawn they are screwing us again by taking transactions that happened over weekend and not processing for XXXX bank days that 's a joke if I used over weekend should process on tue especially cash withdrawal why are we letting them do this. You mean to tell me chase ca n't even post cash withdrawals from an ATM for two bank days that 's XXXX.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had an account with XXXX XXXX. When I moved, I took the rented equipment with me. The supervisor advised me to use it with my new account. The representative removed any new equipment off my order since I already had it. I received a bill saying I owed XXXX for unreturned modem. I called and explained. They said they would fix it. I kept receiving bills and kept calling. I finally just cancelled the service and returned the modem. I explained why I was cancelling. They sent me a postage paid box and I used it to return the modem. They are still charging me but I gave up calling months ago.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OR)

To Male Worker Only : I filed extra-charging complaints against all Chase Bank that I required to obtain a credit card which they declined because of my Social Security limited and complaint credit card request for employee/employer only, no acceptance for Social Security felt discrimination, let Speaker XXXX XXXX & U.S. Senators knowledge about these problems with credit card and included interest rates. I was not happy with interest rates affects to credit card, it may steal my money to lose them. Chase, XXXX XXXX, XXXX XXXX XXXX, and other banks does not let me having me credit card discrimination and included credit reporting record, many other issues. I complain with rewards with Chase did not issue me, did not give me bonus rewards. 
I do not allow female workers involved in this informants about between me and banks! 
Sincerely, XXXX XXXX XXXX - Report to Speaker XXXX XXXX and U.S. Senators Requirement:
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX However I do believe I was a part of the Transunion glitch and would like all inquires removed.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

My mortgage was transferred from XXXX to chase as of XXXX XXXX. 
A letter from chase said that I could schedule automated payments as of XXXX XXXX. I have been on chase 's website and mobile app for about an hour and after registering XXXX times am unable to find an email address to express my concern and ask for help in getting my automated payments restored.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion shows my closed account with XXXX XXXX Bank ( Opened XX/XX/XXXX-Closed XX/XX/XXXX ) as still having a current past due amount of {$65000.00} and a current amount owed of {$160000.00}. This debt was part of the Chapter XXXX Bankruptcy we went through. It does show at Transunion to be charged off as bad debt but for some reason it still shows as a current liability of mine as well as past due.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (SC)

I use a Banana RepublicXXXX credit card supported by Barclays. I have XXXX dollars in reward. On XX/XX/2022, I made a purchase of XXXX USD at XXXX XXXX XXXX XXXX XXXX, FL. I was not able to redeem my rewards for the purchase. I had requested both Barclays and Banana Republic to resolve this by making the adjustment in my statement. The Banana Republic offered to give more rewards, but I have refused to accept that offer, I would rather prefer, the redemption of the reward and adjustment in my statement.
Consumer complaint received 2015-05-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MI)

My vehicle a XXXX Dodge Dart was totaled on XXXX/XXXX/2015. The XXXX insure paid XXXX on XXXX/XXXX/2015 and my Gap insurance paid a total of {$5800.00}. I should of gotten back {$680.00} from Chase bank. Instead the a reporting on my credit report me as being delinquent XXXX. I never got a final bill or itemization even after I requested one several times.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I was contacted by XXXX XXXX XXXX claiming to have the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX. The first time they contacted me was XX/XX/XXXX. I returned their call at which time they claimed that I owed over $ 5K to Chase Bank XXXX who really should be writing lots of checks to every XXXX given the widespread fraud they engaged in ). After being threatened with a lawsuit, after they did n't give me the " this is an attempt to collect a debt speech '' I was finally able to get the address above. I sent them a debt validation letter on XX/XX/XXXX with a strong cease and desist statement. 

Since this time they have called me 5 times. The message they leave contains an implied threat that I believe is illegal under the Fair Debt Collection Act. In addition, they have never provided me with a validation letter. They have only called, threatened and called me names XXXX XXXX XXXX. 

Furthermore, I received a XXXX which stated that Chase had forgiven a debt for the amount of {$2100.00} XX/XX/XXXX. I have disputed this with Chase directly and have yet to receive any information on this debt. I had to pay almost {$500.00} on my " income '' from this forgiven debt XXXX how come I have to pay taxes on forgiven debt that was never validated and that did n't ever exist, but XXXX XXXX did n't any of the now 7 times one of his companies declared bankruptcy? ). 

By my count, they have violated the law at least 11 times in this attempt to collect a fraudulent debt. They should be required to pay me the {$1000.00} per instance statutory penalty. Why have a statutory penalty that can not be enforced in the first place?
Consumer complaint received 2017-03-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank has moved it 's bank out of XXXX, Nevada as well as all it 's remaining ATMs causing extreme hardship to it 's customers. I have been with the bank for over 30 years and have never had the hardships of 'no way to deposit funds ' into my accounts as I have experienced here in XXXX , Nevada . The closest ATM is listed on their web site as XXXX miles away. It has certainly caused an increase in fees and overdrafts costs. Chase refuses to comment on the matter.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have disputed these items with all three bureaus by phone and mail and fax. They will not take the inquiries off saying they are a matter of record and telling me to contact the agencies to do there job to verify if the information that they are reporting is accurate when i am telling them it is wrong along with submitted all verifying documents from courts, child support agencies, police reports and proof of residence.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Demanding a Credit Bureau Investigate To Whom It May Concern : Trans Union I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GRANITE STATE MANAGEMENT & RESOURCES (NH)

I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.