davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (CO)

My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XXXX my parents took out a loan for {$40000.00} from Chase Bank, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XXXX, they made an agreement to lower the payment, but extend the loan until XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If Chase Bank had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My Bank of America checking account which I 've had for over 15 years started charging me a $ XXXX/month service fee in XXXX of XXXX which I did n't notice until XXXX XXXX. I had never been charged a service fee before, so I did n't notice the fee until XXXX XXXX. I did n't see any notice that this account, which I had for over 15 years, was going to start charging me a monthly fee. This is a ridiculous fee when the interest returned on checking and savings accounts is almost nil today.
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute with Experian to remove XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX. This account is inaccurate and it should be removed from my credit report.
Consumer complaint received 2018-08-05
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: Experian Information Solutions Inc. (OH)

I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2018-08-05
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. (OH)

I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX 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 2023-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything
Consumer complaint received 2018-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Manley Deas & Kochalski LLC (CO)

My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XX/XX/XXXX my parents took out a loan for {$40000.00} from XXXX XXXX, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XX/XX/XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XX/XX/XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XX/XX/XXXX, they made an agreement to lower the payment, but extend the loan until XX/XX/XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If XXXX XXXX  had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other XXXX XXXX  who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal XXXX rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted XXXX they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact Trans Union and XXXX  directly to see what is going on and they continue to tell me they receive all their information from XXXX. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to XXXX 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent a dispute letter to EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX, XXXX   XXXX XXXX  XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX, XXXX GA XXXX. They received this letter according to certified mail with the UNITED STATES POSTAL SERVICES on XX/XX/XXXX. I sent this letter in Regards to the inaccurate information reporting on my consumer report. Today 's date is XX/XX/XXXX and I have yet to hear back from them regarding the dispute about the collection accounts on y report. According to FCRA, they have only 30 days to respond to my disputes EXPERIAN, XXXX  and XXXX had yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. These account XXXX  XXXX XXXX XXXX in the amount of {$1100.00}, XXXX XXXX in the amount of {$1100.00}, XXXX XXXX XXXX in the amount of {$850.00}, XXXX XXXX XXXX in the amount of {$1300.00} and XXXX XXXX XXXX in the amount of {$360.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. These such debt has never been verified, I have not received anything in the mail and EXPERIAN, XXXX, and XXXX  is not responding to my correspondence.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MD)

To whom it may concern, I have been in dispute with American Express Serve for the last 8 months over a charge that they keep placing it in my dispute, I did not put that on the original form, " XXXX XXXX XXXX XXXX XXXX for {$10.00}. '' By them doing this they keep denying my dispute claim for the money that I lost over the XXXX season in XX/XX/2017. I sent this dispute to you before and due to my own negligence I did not notice the discrepancy in the total amount for the dispute charge. After going over my records again and going over my original dispute charge and looking at past emails I found where the issue had laid. The total amount was {$1800.00}, that I lost on XX/XX/XXXX. American Express says that it was {$1800.00}. That is incorrect because they keep adding {$10.00} from the XXXX charge, where I lost the card. I didn't understand the miscommunication that I was having with American Express, especially since I also put in a police report stating that my last transaction that I made was at XXXX XXXX XXXX. I also sent them a copy of the police report to help clarify the situation. Again they denied my claim.
Consumer complaint received 2015-09-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have a XXXX credit card and used it for a purchase on XX/XX/18 of {$21.00}. I do not remember getting a bill or misplaced it with other mail. I received a bill on XX/XX/18 for my {$21.00} charge with a fee of more than the charge of {$22.00}. Now, my {$21.00} bill is {$44.00}. I called the bank who issued my card Synchrony Bank, at XXXX, on XX/XX/18 and spoke to XXXX, badge number XXXX and he waived the charge bringing my balance down to {$21.00}. 

I called again today wanting to know the rate of interest, was told it was 16.65 %. I asked why the charge for fees were {$22.00} and she said about the rate when I signed up. 

I told her I would be issuing a complaint about excessive charges. She said she would do a complaint on her end too. I still, at 16.65 % can not see why the fee charge of $ XXXXwas on my bill. That charge is way over the 16.55 % fee. 

I am not doing this for me, but people who can not afford to get fees like this and would appreciate it if your agency can check into Synchrony Bank and fees charged. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2018, I paid the annual fee for my Capital One Venture card ( {$59.00}, automatic from checking account ). I cancelled the card shortly after without ever using the card further, and while I was on the call for cancellation I confirmed that the annual fee would be refunded. In XX/XX/XXXX I got a bill that noted that my balance was {$0.00} as expected but no mention of the refund. I called again this month, XX/XX/XXXX and was first told that it had been refunded, and then when I told them I wasn't I spent almost half an hour ( 29 minutes per cell phone clock ) on hold, after which I was told that someone would call me back sometime next week. I've been told that before by Capital One and experience says they won't.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

BOA 's customer service is the worst. I can't even report a lost credit card. There's no email, chat, or other messaging option. I've been on hold for 23 minutes waiting for an associate. And this is consistent with other BOA experiences, which without fail involve having to call and waiting on hold for inordinate amounts of time.

BOA 's indifference to its customers ' time is inexcusable. It also encourages fraud, since account holders can't quickly or easily report instances of lost of stolen cards.
Consumer complaint received 2018-08-05
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: Experian Information Solutions Inc. (FL)

I have disputed XXXX XXXX XXXX  with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA. This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report. The XX/XX/2018 credit disputed for Experian show the payment history is incorrect. If you look at the payment history, you can see it is impossible for payment to be like that. They say the account is charged of but still have a balanced. I dispute the date account open and the payment history. They refuse to delete a charge off from a company. I've disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file.
Consumer complaint received 2015-12-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (GA)

This complaint is against Western Union Money transfer servicesI initiated a transfer on XXXX XXXX 2015 for the amount of {$180.00} to be collected at an agent location in XXXX. XXXX # XXXX. 
After waiting 2 weeks without the receiver getting the money I called WU on Fri XXXX XXXX XXXX was told that there was a system issue with Western Union and the transfer would be escalated. I was told to wait for 24 to 48 hrs to receive a confirmation and was assured that the supervisor would call me back within this time frame with any updates. 
I did not get any form of confirmation or communication from Western Union. 
I called back again on Sunday XXXX 2015 and spoke to supervisor whose first name was XXXX and operator number XXXX. She again claimed that she will escalate the issue and call me back with a resolution. I also requested the transaction to be cancelled during this phone call which she assured will happen. 
Again I receive no communication. 
Called back for the third time on XXXX XXXX 2015, was repeated the same scripted dialogue. I have not yet received any updates from Western Union regarding my transaction. 
Prior to my first phone call I was never informed of any issues and the " transfer tracker '' on the website still shows the transaction on progress. 
I would like to cancel the transaction and receive my money back at the earliest.
Consumer complaint received 2021-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.