davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

PLEASE DO NOT CLOSE THIS COMPLAINT. I spoke w/ a representative from the CFPB because your email to me stated ; " call us if you have new information or a recurring problem. '' Well I do & your rep I spoke to said to put another complaint in & let you know I need your help so please don't close this complaint. This is in reference to complaint # : XXXX. Chase bank is still allowing charges to come thru on my account even tho I'm opted out of over-draft protection, causing my account to be negative- {$820.00}. In their reply to my first complaint they lied, they stated these debit card transactions they've allowed thru & paid were recurring charges & and therefore don't fall under being opted out of over-draft protection, but they are NOT recurring, not at all. They are random charges for different amounts & to various different companies. And they're still even today paying charges on the account causing it to go even further negative. None of these charges should have been paid and my account shouldn't be negative. All they did in regards w/ my first complaint was award a " monetary '' amount of {$250.00} for NSF 's they charged me because of all the charges they paid but shouldn't have. I shouldn't have to pay for their mistakes or bad practices. Please they need to be held accountable & I need the CFPB 's true intervention to help me.
Consumer complaint received 2017-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

To whom it may concern : I am writing to address the overdue balance I currently have on my Heloc loan with Santander bank. I had an Heloc loan with Santander in this past in which I paid off in good standings so I have decided to use them again.
I have been faithful in making all my payments on time. I make all my payments online when I receive my statement by mail. Im on a very strict budget with my bills and cost of living. There are no branches located here in XXXX. However, When I moved to XXXX from XXXX XXXX I updated my address with customer service department of Santander. I never received any of my statement to my new address and due to an error on their part. When I called Customer service in XXXX of 2017 their response was that they were missing information on the new address but never call to notify me until I called them on not receiving my billing statement in which we realize at same time that my account has been and currently is locked. At this point I realize that have a different payment amount and it is more than doubled on what I have paid in the past and they are calling me daily on when i going to pay the arrears on the loan.
I have been in contact with the bank several times on this issue and the statements and delinquency letters are still going to the old address at this very moment. I was told by a representative that I had to correct this issue with the branch where I open the account. I have even tried asking them for help by modifying the loan for an easier payment but I was denied.
Although I have made payments towards my loan but because of the new payment amount which is more than doubled along with late fees and penalties because of an error on their part has made it very difficult to catch it up. I cant afford to pay the entire bill at one time. Santander has done nothing to rectify their negligence but compound the problem by destroying my credit history to the credit bureaus and gather more information toward collecting the debt owed.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

I noticed that I had a collection on all my credit reports. I sent the company a debt validation letter in the beginning of XX/XX/XXXX. I have called them to see what the status. They keep telling me they are working on it. These people need to remove this entry from my credit reports ASAP.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc. (TX)

i received a call from some Keynote consulting ( XXXX ) few days. they were talking about some debt of XXXX XXXX or XXXX who seems to be in XXXX XXXX IL and i have seen this doctor in XX/XX/XXXX, what? Since XXXX XX/XX/XXXX on wards I am living in XXXX XXXX XXXX. 
Yes I had lived in XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX in XXXX XXXXXXXX XXXX and there is a possibility of myself seeing this doctor. But i don't remember something so far back. 
Today they ( Keynote consulting from XXXX ) called me back once again. They are very rude people and constantly threat that they will XXXX up my credit report. They were telling me that they had sent the bill to my old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX but i don't live there since XX/XX/XXXX. When i requested them to send the bill to my current address they were not ready. Later when i called back again, they gave me hard time. Later supervisor told me that she will send it to me but credit agencies will be updated also. When i asked for details - the date of service seems to be totally wrong. I had insurance at that time and i have no idea why insurance should not be covering it? Moreover if insurance is not covering something, the doctor 's office should simply tell the patient and let the patient decide what they want to do?
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ATTN : American Express XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC/ CFPB Dear Sir/Madam, I am writing to express my deep concern regarding the recent actions taken by American Express concerning my credit card account. As a consumer, I believe that my rights under the federal Equal Credit Opportunity Act have been violated.After my credit card application was approved and I had already made purchases totaling {$6900.00}, I was surprised to find that my account was frozen and that I was being asked to provide income verification. While I understand the importance of financial responsibility and transparency, I believe that freezing my account after approval and requiring me to disclose sensitive financial information such as my bank account balance goes against the principles outlined in the Equal Credit Opportunity Act.I am offended by the implication that my ability to manage credit is contingent upon disclosing personal financial details beyond what is necessary for the application process. Requiring me to call my bank and verify my account 's ending balance is not only an invasion of privacy but also a violation of my federally protected consumer rights.I kindly request that American Express rectify this situation promptly. Failure to do so may compel me to escalate this matter to the Consumer Financial Protection Bureau and the Securities and Exchange Commission. I trust that American Express will take the necessary steps to resolve this issue and uphold its commitment to fair and equitable treatment of all its customers.Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Lastly I would like to advise that I have sent a notarized copy of this letter to the above address as I am also requesting a response to this notice in writing. Thankyou Sincerely, XXXX XXXX Kind Regards,
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (RI)

On XX/XX/XXXX, one week after we turned in our lease vehicle early and paid the last payment, Ally sent us an estimated property tax bill for {$650.00}, which the City of XXXX has a due date of XX/XX/XXXX. Due to making the last month 's payment after turning in the vehicle they subtracted {$53.00} making the estimated balance {$600.00}. This was the first year of the XXXX XXXX  car tax phase out so I knew that the estimate was not accurate. We spoke with Ally, on a number of occasions, and requested a corrected bill with the actual amount due for car taxes, Ally failed to send us the corrected bill and sent our account to collections. In XX/XX/XXXX, Ally charged off the amount of {$600.00}, we went to the City Tax Assessor 's Office and obtained the actual amount of {$510.00} and sent payment of {$460.00} because we deducted the {$53.00} that they took off of their estimate. Ally is demanding payment of {$130.00}, which is the remainder of their " estimated '' bill. This caused our " perfect '' credit score to drop 120 points. We have paid the actual amount of our car taxes to date and demand that this charge off be removed from our credit reporting with all three credit bureaus.
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. 

Please apply these laws to my accounts the fair debt collection practices act law 111-203, title X 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

The credit bureaus still have my incorrect legal name on file. This has caused major problems having my identity verified. I had a name change four years ago in XXXX. My name has been changed on all of my accounts for years now, but still not updated with the bureaus. I have furnished Experian Credit Bureau with my legal name change documents multiple times now. The most recent dispute that I have submitted was on XX/XX/XXXX. I was again told that I had won the dispute and that my personal information would be updated, but it is still not being updated. When I reached out again to ask when this update would occur, I was told that I would need to file another dispute and send in my court order. This is the process every time. I submit the dispute and furnish my legal name change documents. I win the dispute, they do not update my information, and then I am told to simply submit another dispute. Rinse and repeat. Please just update my personal information so I can have my identity verified. I have paid large deposits due to no access to my report under my new name. They will not update my information even after winning this dispute with them over and over. How is the social security department not the ultimate authority on my identity?
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I am concerned that my mortgage servicing company, Wells Fargo, recently ( XX/XX/XXXX ) hired a real estate appraiser who provided a ridiculously low home valuation, thereby enabling Wells Fargo to keep PMI on the mortgage. The PMI costs us about {$100.00} per month. I also had to pay Wells Fargo {$100.00} to get this Broker Price Opinion ( BPO ). The house was purchased in XX/XX/XXXX for $ XXXX ( after having initially been listed for $ XXXX ( $ XXXX/sq.ft. ) during the height of the real estate boom ). 

The BPO only had to get our home value to $ XXXX ( $ XXXX/sq.ft. ) to remove PMI. XXXX suggests the home is now worth $ XXXX. XXXX   suggests the home is now worth $ XXXX. XXXX suggests the home is now worth $ XXXX. However, amazingly, the BPO concluded the house 's present value was only $ XXXX ( $ XXXX/sq.ft. ), thereby preventing removal of PMI. The BPO acknowledged the existence of $ XXXX of added-value improvements since purchase, but apparently the broker did not feel those improvements added any actual value to the home. The BPO suggested a power washing of {$800.00}, and found nothing else deficient with the house. 

By contrast, in XX/XX/XXXX the house across the street from us sold for $ XXXX/sq.ft., in XX/XX/XXXX the house two doors down from us sold for $ XXXXsq.ft. In XX/XX/XXXX, a house around the corner sold for $ XXXX/sq.ft. In XX/XX/XXXX, an older, significantly smaller house three doors up from us sold for $ XXXX/sq.ft. ( These figures are all verifiable at XXXX ). Disappointingly, none of these sales were considered in the broker 's BPO. The broker found it preferable to compare us to homes miles away instead. We only needed to get to $ XXXX/sq.ft. to remove PMI, and it baffles us how the broker could not reach that figure given the average actual price for square foot in our immediate neighborhood. My wife and I feel cheated by this BPO purchase from Wells Fargo, who has an incentive to keep PMI on the mortgage. We feel that maintaining PMI is very unfair given the reality of the actual local real estate market.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I was placed on an administrative forbearance I did not request. I am currently under the Public Loan Service Forgiveness ( PLSF ) program. I have not made any requests to change my payment plan or for a forbearance of any kind. I made my recent loan payment on XX/XX/2023. On XX/XX/2023, I received a letter dated XX/XX/2023 stating that my account was placed in an administrative forbearance beginning XX/XX/2023 through XX/XX/2023. After 2 phone calls of over XXXX hours each, I was able to get in touch with Mohela who told me the forbearance was placed because my payment plan, which was previously IDR, was changed to the SAVE plan because IDR is no longer payment plan option and the forbearance was due to processing. I previously received a letter in XXXX notifying me my payment plan is now the SAVE plan. Mohela was able to remove the forbearance but stated my XX/XX/2023 payment will not count towards my PLSF since I was place in a forbearance during that time. It is unacceptable that I was placed on a forbearance I didn't ask for and for a plan I didn't ask to be moved to but was moved to automatically by Mohela over a month prior. It is unacceptable that I was notified of that forbearance 13 days after Mohela placed me on it and after I had made a payment. It is absolutely unacceptable that now my recent payment and the month of XXXX when I am employed with a qualifying employer will not count towards my loan forgiveness.
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-28
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. (GA)

In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (TX)

I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was checking my credit score when I saw an inquiry from XXXX XXXX XXXX. I have not applied for new credit cards or cosigned for anyone. This was an unknown inquiry I would like to report
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (UT)

Outsource  Receivables MG has failed to respond to multiple requests for validation on the amount they are reporting on my  XXXX  report of {$120.00}. I have attached the most recent requests to this complaint. They have failed to provide me the information requested to validate and/or verify this account.
Consumer complaint received 2023-10-17
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. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2017-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Opened   XX/XX/XXXX    ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  XXXX   XXXX   XXXX   XXXX   XXXX  has submitted false information on my credit report. The collection agencies has bought an account that was already selected and  discharged  in  XXXX . In addition the agency has supplied  Transuion  a false date of   XX/XX/XXXX   which is illegal by law. This debt date is not correct and I 'm not responsible for the debt!
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2023 two girls came to offer shampoo carpet, told them I did not have carpet only area rug they insisted, they lied they were selling XXXX vacuum cleaner I told them I did not need the expensive machine I did not need it. The girl said she could not leave without selling the machine. I felt cornered I'm XXXX XXXX XXXX she told me I could pay {$200.00} down payment and the rest 24 months financed for XXXX a month she never finance I have the blank paper. I contacted Synchrony Bank with in 3 days of the incident. I was a fool gave the card and she charged the total amount not {$200.00} I told her to correct the amount. she said she was going to the office to reverse the charge. She never did was never able to contact her. She never gave me a telephone number Synchrony Bank has ignored me. Synchrony Bank is also a fraud, they don't care what happened to me my husband went to the business place and was lucky to find another girl at the place and dropped the machine he asked for a receipt and the girl said she would get her boss call my husband never did. We contacted Synchrony Bank and told them we had returned the machine and they are still making me pay the amount. The place of business is no longer there. The machine is XXXX. I needed these girls to leave my house later was going to contact the credit company and report theses girls.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/XXXX, to remove : XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are Unkown to Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (PA)

In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXX XXXX, has violated my rights 15 u.s.c 1681 section 602 A, states I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions