davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

Cease and Desist direct communication with me. My attempt to close my account resulted in more frustration, a lack of professionalism, and directed to leave the property. Im done. 

I have over draft protection turned off. XXXX paid XXXX taking my account negative when I do not have an account with XXXX. I am not paying for a service Im not receiving, Chase bank has given away my funds to another business without my permission. I do not agree with the terms of service. XXXX supports XXXX party business and not their account holders. Im done. 

I went into the XXXX XXXX XXXX, XXXX XXXX, CA XXXX branch to close my account. A banker, and Bank XXXX demonstrated one fact. They cant look at an account and tell whats going on. They had to make a phone call to understand whats going on. Totally lost my confidence, and no longer cared what they had to say. The flaky bank XXXX was unprofessional. Refused to close my account, and told me to get out, in not so many words. The bank managers lack of professionalism burn any and all bridges. Im done. 

I have given power of attorney to XXXX - XXXX XXXX XXXX. XXXX is not to contact me for any reason what so ever. I have diverted my payroll deposits away from XXXX. Any and all communications are to be directed to XXXX whom now represents my better interests. 

XXXX XXXX XXXX XXXX Customer Service : XXXX Customer Service Fax : XXXX Customer Service Email : XXXX Creditor Mailing Address : XXXX XXXX XXXX  XXXX, XXXX XXXX, NY, XXXX I will never again do any business with Chase Bank. I am now a customer of a far better banking institution being XXXX online bank. XXXX  values its members, having safeguards in-place to protect its members from unscrupulous charges. Giving its members the power to pay or decline charges, with very minimal fees. 

Regards,
Consumer complaint received 2023-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

I filed a complaint in XX/XX/XXXX Complaint No. XXXX regarding Wells Fargo not allowing me to do a loan modification after they allowed me to do the loan forbearance/deferment during COVID. This is a follow up to that complaint. 

Original Complaint : My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXX XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XXXX XXXX, XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even ifwe continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if Inever did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Please advise. Thank you! XXXX XXXX XXXX. 

After this complaint they said we had to submit paperwork about filing our Quit Claim deed and I would be listed as a successor of the loan and then I could do the loan modification in two steps. The first step ( 1st modification ) being me listed as the successor of the loan then doing the financial loan modification. XXXX and I submitted all required paperwork and now they are denying the loan modification saying I have no income! Please help!
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

They are reporting my car was charged off with a bankruptcy but its not true. It was paid as agreed and the same company gave me a new loan on my car. They refused to remove it without a fax from my attorney and the court showing it was not part of the bankruptcy. We did that and now they say the file is large that the attorney sent and they will get back to me after they make a decision. I was never late in XXXX  years!!! Please get them to correct my credit report. XXXX and the others
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Movement Mortgage LLC (HI)

To Whom It May Concern, I am writing to formally lodge a complaint regarding the handling of my FHA loan associated with the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite having a buyer and an accepted offer for my property, I am facing significant obstacles due to Movement Mortgage , LLC 's refusal to proceed with the loan assumption process, compounded by a concerning lack of internal communication within the company. 

Background : As a homeowner managing an FHA loan for the aforementioned property, I unfortunately fell behind on a few payments. In response to this situation, I listed my home for sale in early XXXX and successfully found a buyer, a highly qualified doctor, willing to pay the full price. An offer was made and accepted by me in good faith. 

In collaboration with Movement Mortgage, I filed a claim to bring the mortgage current by adding the missed payments to the back end of my loan and signed a promissory note to this effect.

Issue at Hand : However, I have encountered a significant and distressing roadblock. Movement Mortgage is refusing to proceed with the loan assumption process for the buyer, citing the reason that the loan is not current. This is perplexing and misleading, given the claim filed and the promissory note signed specifically to address this issue.

Moreover, there is a glaring issue of internal miscommunication within Movement Mortgage. When I interact with different departments, including customer service, loss mitigation, and the loan assumption department, it becomes evident that they do not have access to or do not share records of the activities and decisions made by the other departments. This fragmentation in communication has led to an extremely frustrating experience, as it seems like the left hand does not know what the right hand is doing, creating unnecessary barriers in resolving my situation.

Request for Resolution : I am earnestly requesting an immediate investigation and resolution of this matter. It is crucial that Movement Mortgage facilitate the loan assumption process expeditiously to allow the sale of the property to proceed as agreed upon with the buyer. Failure to address this issue promptly will result in significant financial damage and will negatively impact all parties involved.

I also intend to request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as the current situation seems to be in violation of fair lending and servicing practices.

I expect a prompt response to this letter, outlining the steps that will be taken to rectify this situation. My aim is to resolve this matter amicably and efficiently, without the need for further escalation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

"  XXXX  '',  ( along with  XXXX  & Experian ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my   XXXX    Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX  ( which Ive never even heard of ) to OLD ACCOUNTS that were discharged in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on   XXXX   XXXX   UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to 10 's of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that,  XXXX  NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On a spirit air flight I was given an offer for XXXX miles if approved and if I spend XXXX in 3 months. Iwas approved for XXXX limit. After spending XXXX In first week and paying off the balance bank of America closed my account before letting reach the XXXX spent. I upheld my obligations and in good faith used the card as promised but was see denied to reach the XXXX by closing the account
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I filed a formal complaint # XXXX as to Experian credit reporting and the ridiculous, inaccurate and misleading response from XXXXxperians senior regulatory affairs associate, XXXX XXXX XXXX If you look at the pics sent in original complaint, XXXX XXXX XXXX replied to the complaint as being verified, confirmed as to a creditor, XXXX XXXX being suddenly appearing on my credit report in XX/XX/XXXX. This creditor, XXXX XXXX was a creditor, used by XXXXXXXX XXXX for financing was included in a bankruptcy filings in XX/XX/XXXX then XXXX in XX/XX/XXXX. Once additional information to this was provided, only then did this Senior regulatory affairs associate, XXXX XXXX suddenly replied to the XXXX that this information does not presently appear on the creditors experian report. Thats it, no explanation as to why XXXX XXXX with the position she has, confirms and verified this XXXXXXXX XXXX as accurately being reported on my credit report, now suddenly, with supplemental evidence of false information, did XXXX XXXX respond with a general letter of response of, XXXXXXXX XXXX information doesnt presently exist on my Experian credit report. This is totally inconsistent, incompetent and fraudulent reporting from Experians senior regulatory affairs associate, XXXX XXXX. Now today, I received an email to my backup account that Experian and XXXX XXXX XXXX are trying to deflect and quickly dismiss my complaint, stating that the complaint was being made by a XXXX party, or a person thats not listed on my account or authorized to act on my behalf. Thats a lie, and untrue. XXXX XXXX and Experian has used this time from XX/XX/XXXX filing to now to just respond with such nonsense, totally false and completely misleading statement. I am the consumer, filing this complaint, and No One Else! Again, another attempt to avoid responsibility for failure and falsely reporting inaccurate information and finding a way to avoid transparency to my complaint. My name is XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  My phone # is XXXX and my email, two I have are XXXX or XXXX. Lying, misleading and avoiding truth and transparency are being neglected and abused by Experian and their senior regulatory affairs associate, XXXX XXXX. I strongly recommend a full and thorough investigation of the regulatory affairs associate, XXXX XXXX for responding to my legal complaint and responding with false and misleading claims of unable to respond due to the reasons Experian has just sent today to the original complaint in XX/XX/XXXX. Experian and especially the senior regulatory affairs associate, XXXX XXXX are showing their incompetence and unwillingness to be transparent with consumers. I ask that you revisit this original complaint and find truth in this complaint and also hold such a high profile position person XXXX XXXX, a senior regulatory affairs associate accountable for this outrageous response
Consumer complaint received 2023-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

XX/XX/2023 out of blue collection company reported delinquent account to credit reporting agencies. They fail to provide any information, but they verbally self-validate debt is correct. 
I have no-idea what they are claiming and when so-called debt occurred.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ME)

1. Missing paper bill. I knew i had a payment due and kept waiting for it to arrive in the mail. When i called customer service, it was very difficult to get an agent on the line. The auto system stated my next payment was due next month, with no mention of missed payment or past due amount, purposely leading me to believe nothing was amiss and no mention of fees and interest charged 2. The previous month, I sent a paper check way before due date, and payment was not processed until after past due with fees and interest Therefore 2 months in a row i was charged due to their delay in processing paper payment, and them not sending paper bill. I have impeccable history in paying other cards timely month after month for years, so this is not user error. Lastly their automated system is deliberately misleading portraying next payment due on the regular due date, with no mention of overdue amounts
Consumer complaint received 2023-11-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have called this loan company three times requesting the 1099-C form from the IRS. I have been given the run-around and I never received that information as of today. The balance being reported on my credit reports is inaccurate and does not reflect the correct amount on my credit reports. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased food from an XXXX XXXX XXXX ( which uses camera to detect what people took and automatically charges the customer ) on XX/XX/2023. However, I was overcharged for something I didn't purchase - I was handing over a burger to someone else but the camera thought I was the one buying it. After realizing this, I tried to contact the store but because it was XXXX, I got no response. So I contacted Capital One instead to get back the overcharged portion. Capital One received my request along with the evidence but denied it without any meaningful investigation.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.capital One XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, 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 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OK)

Received debt collection papers CS number XXXX for IRS in my name. Its says that it was accrued XX/XX/23. First this is not my balance, I was not working when this was filed. I have never filed as head of household, this balance be longs to my husband, some of which before we were married. It needs to be taken out of my name. Second the larger balance was not accrued this year it was accrued almost a decade ago, which is past 7 years and must be written off.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

U.S. Bank sent me a letter stating they have elected to close my credit card account in accordance with the terms and conditions of my card member agreement. The bank did not point out exact terms or conditions that I had violated for them to decide to close the credit account. 
I have made several attempts to get in contact with the bank to find out reasons for the closure of the credit card account by calling a contact number provided in the letter. 
However, I have not been able to have someone to answer my phone calls or to give me return-call yet.