davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (PA)

In XXXX of XXXX, purchased a new XXXX XXXX. Dealer supplied financing through M & T Bank. Initial monthly payment was {$680.00}. I paid {$700.00}, expecting additional {$20.00} to be applied to Principal. That hardly ever happens. Even if I enclose XXXX checks, XXXX for the amount due that month, and a second check with a note to apply additional funds to Principal. That rarely happens. 
For the payment due XX/XX/XXXX, I sent a check in the amount due, {$200.00} ( reduced due to all the " over '' payments made prior. That was applied fully to XXXX on XX/XX/XXXX. I send a second check with a note to apply to Principal, in the amount of {$500.00}. That was processed on XX/XX/XXXX. Of that {$500.00}, {$170.00} was applied to XXXX ; and a whooping {$320.00} to additional XXXX. There is no way that much Interest accrued in XXXX weeks. 
Is this legal? It seems like XXXX to me. 
I have contacted M & T Bank by phone, via their website and in person several times to no avail. 
Please help. 
Thanks XXXX
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I paid an invoice of {$390.00} to XXXX XXXX XXXX for XXXX XXXX XXXX. After making the payment, I attempted to contact the merchant several times but received no response and was unable to reach them through any available means. Concerned by the lack of communication and the failure to deliver the promised services, I filed my first dispute with Chase on XX/XX/XXXX. However, this dispute was denied, and the charge was reversed. 

Desperate to resolve the issue, I reached out to the merchant again and eventually received a response. The merchant advised me to dispute the transaction with my bank, stating that the services were never provided. Following this guidance, I submitted a second dispute to Chase, clearly stating that the service I paid for was never received. However, Chase 's investigation team denied this second dispute as well. I was informed by a customer service representative that the merchant had denied the refund request directly to the bank. 

Confused by this outcome, I contacted the merchant again, who claimed that Chase had never reached out to them regarding the refund request. To further escalate the matter, I visited a Chase branch in person and spoke with a supervisor. Despite my detailed explanation of the situation, the supervisor informed me that there was nothing further they could do other than suggest I contact the merchant again. 

I am extremely frustrated and disappointed with this experience. As a Chase business account holder in good standing, I expected a higher level of protection and support in situations like this. It is unreasonable that Chase can not refund me when I have provided all necessary documentation, including confirmation from the merchant that the services were never received and their own advice to contact Chase for a refund. Despite all my efforts, I feel that I am being unfairly denied my rightful refund of {$390.00}, and I urgently seek a resolution to this matter.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have called, and e mailed bank of americas compliance department regarding my account and funds that were deposited are from my long term XXXX, and funds from my IRA all of which Bank of America has been aware that I am exempt from such garnishments because I am XXXX and these funds have been deposited by XXXX my long term XXXX company. They also terminated my bill pay portal, and keep charging me NSF fees! Please stop this bank they are retaliating against me because I have filed in federal court an employment XXXX discrimination case against them.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. ()

An accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 USC 1681. 

XXXX XXXX, XXXX And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file or the consumer, or modify that item of information.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (PA)

15usc 1681 ( e ) B Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This debt is consider charged off status lender sent a 1099c to cancel or forgiven this consumer income can not be report on a consumer report .lender filed on their taxes as a discharge debt .please remove this debt off my consumer report .this debt is now taxable income.
Consumer complaint received 2024-09-13
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. (MD)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 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 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

My account with Discover Bank - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Discover Bank - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Arivo Acceptance, LLC (TX)

I am writing to complain to XXXX/ARIVO ACCEPTANCE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I was referred to XXXX XXXX through the VA 's XXXXXXXX XXXX XXXX ( XXXX ) program as a XXXX  % P & T XXXX veteran. Unfortunately, XXXX XXXX failed to perform the required services but did take x-ray images. Upon checkout, I confirmed with the receptionist that the bill would be handled through the VA contract, and I was reassured twice that the VA would be responsible for the invoice, as per XXXX XXXX agreement with the VA. 

Despite this, I began receiving invoices from XXXX XXXX. Attempts to contact XXXX XXXX were fruitless, as the phone number they provided never connects to a billing XXXX. On XXXX occasion, I received a random call from a XXXX XXXX representative who claimed I owed {$30.00} out of the {$150.00}, expecting the VA to cover the rest. I reminded them that the VA XXXX program had not been billed, and as per the contract, I am not supposed to pay out of pocket. The representative, instead of addressing the issue, hung up on me when the conversation became frustrating. 

Subsequently, I connected both the VA XXXX representative and a different XXXX XXXX representative, expecting a resolution. However, this issue remains unresolved. I have no intention of making any payment until I receive confirmation from the VA XXXX that XXXX XXXX has properly billed them and if there is any amount I am contractually obligated to pay. 

It is clear that XXXX XXXX is acting in a predatory manner, attempting to take advantage of a XXXX veteran, while failing to comply with its contractual obligations under the VA XXXX program. This behavior is unacceptable, and their business practices warrant serious scrutiny.
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (FL)

According to the FCRA SOUTHWEST CREDIT SYSTEMS LP has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MI)

XX/XX/year> I am writing to express my strong opposition to the recent rejection of my loan modification application. Your decision is based on unjustified and incorrect facts, and I am providing several reasons why this decision is fundamentally flawed : Delayed Notification : I was transferred to XXXX XXXX after a two-month delay without any notification to me as the borrower. 
Ignored Documentation : The loan modification package I previously sent was completely ignored. 
Overlooked Application and Financial Information : My loan application and financial information were disregarded. 
Lack of Communication on Work Out Plan : There was a failure to inform us that a work out plan was necessary. 
Failure to D

efine Work Out Plan : We were not informed about what a work out plan entails. Poor Communication : There was a com
plete lack of communication regarding the additional documentation required. 
False Rejection : The decision to reject our loan modification package was based on lies and falsehoods, despite us submitting all requested information. 
Lack of Transparency : We received a rejection letter without any clear explanation, leaving us in the dark about your companys processes. 
Online Registration Issues : We have been unable to register online to make payments or view our account. 
Unclear Payment Information : We do not know the payment amounts or due dates. 
Ignored Correspondence : All our emails have been ignored, and we have only received form letters in response. 
Disregard for Hardship : Our hardship letters detailing my wifes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were completely ignored. 
Unjustified Payment Delays : Despite being with your company for less than XXXX months, you claim we are XXXX months behind on payments, which are already too high with a high interest rate, setting us up for foreclosure. 
Unacceptable Options : The XXXX options you offered are totally unacceptable and do not help us keep our home. Your customer service has been poor. 
Given these points, I am filing a complaint with the Consumer Protection Agency to report your mistreatment and predatory lending practices. We have been with your company for less than XXXX months, and it is clear that your goal is to take our home, especially when we are XXXX XXXX. 

I urge you to reconsider your decision and provide a fair and just resolution to our situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD Account charged off. {$2000.00} written off. In accordance with XXXX5 USC 1681b, it is required that the bureau obtain my explicit written consent before furnishing my information to any third party or including it in any credit report.

I want to make it clear that I have never provided written consent for this account information to be furnished, obtained, or reported by your agency. As such, the presence of this information on my credit report is unauthorized and must be removed immediately. 

I request that you conduct an investigation and remove this account and any related information from my credit report. I also request that you provide written confirmation of this correction within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this issue.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payment due XX/XX/XXXX. The payment was not delivered on time and I was assessed a {$50.00} late fee by my landlord. 

The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. 

On XX/XX/XXXX I sent a message to the bank with the details of the missing payment and a copy of the statement showing the late fee that was charged. Ally Bank responded on XX/XX/XXXX saying that review of the documents " should be complete within 3-5 business days ''. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and the representative said that no information was available but that should would request further action and that I should expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request again and got the same story no information was available, but expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and was told that the request had been closed without anyone notifying me. The representative said that the request would be reopened and that I should expect a response from the bank within a week. 

On XX/XX/XXXX I received a call from the bank requesting additional documentation ( specifically a copy of the lease showing the payment due date ). I submitted this documentation on XX/XX/XXXX, and on XX/XX/XXXX received a response requesting that I " Please allow 7-10 business days for this to be processed ''. 

Now, ten business days later, with still no response, and ten weeks after my original request, I am escalating this issue to the CFPB. 

The reference number for this issue provided by the bank is XXXX.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (FL)

home depo credit company has violated the XXXX rules as its outlined in XXXX XXXX convergent outsourcing inc, XXXX XXXX ( XXXX XXXX ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b time to make payments. which i XXXX XXXX is not a dead man i am a living being secured party creditor. Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX closed my account without notice or permission never sent the periodic statement along with the disclosures from section 1537 ( b ) i have proof that i sent by mail before payment due date this information was requested in good faith pursuant rule 1002 and it was nevered provided. This is unfair, illegal, fraudulent, and not equal to me as the consumer or secured party creditor. remove all late payments from my credit report and restore my account.
Consumer complaint received 2024-09-06
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: JPMORGAN CHASE & CO. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.