davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

I have been diagnosed with XXXX XXXX at age XXXX. This last year I had XXXX XXXX of my XXXX  removed and had XXXX XXXX XXXX. I was and continue to make the payments on my credit cards, but the interest is now ~26 percent and the monthly bill is {$370.00}. I have three Chase credit cards. I paid one off completely and explained to Chase via phone call and through their website email service that I intend to pay off {$12000.00} by XX/XX/2019 when I receive my bonus check from my employer. This amount is guaranteed, not fictitious or contrived. Despite sending medical proof from XXXX XXXX XXXX Hospital that I am recovering from an aggressive XXXX /XXXX and making a promise to pay, they will not assist me. Moreover, my most recent payment, despite being paid on time was not deducted from my balance. Rather, new interest was added at the same time the payment was made, making my account still over the {$12000.00} credit limit. Not only will Chase not help, but they are hedging against me. I am requesting, as a single mother of XXXX children, a citizen, born in the United States, with no criminal or motor vehicle record of any kind, for the help of this federal organization.
Consumer complaint received 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I'M HAVING ISSUES WITH EXPERIAN REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN REMOVED FROM THE OTHER TWO BUREAUS
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (RI)

I submitted updated applications and certifications for both XXXX XXXX XXXX XXXX ( XXXX  ), as well as XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) under terms of new eligibility requirements introduced through the new " Limited XXXX  Waiver '' introduced by the Department of Education in XX/XX/XXXX. 

I submitted my updated applications and employment certifications in XX/XX/XXXX, verifying that I have been employed by approved XXXX XXXX XXXX nonprofit organizations for more than 10 years, ( from XXXX through the present, XX/XX/XXXX ) while making regular student loan payments, with some short periods of forbearance. 

In XX/XX/XXXX, my student loan servicer, FedLoan Servicing, informed me that my XXXX  and XXXX  forgiveness applications were denied because my total number of " qualifying '' payments did not total XXXX. However, my total number of eligible and ineligible payments is more than XXXX ; under the new terms of the XXXX XXXX XXXX, these payments should be approved as qualifying. They were rejected by FedLoan Servicing as " not qualifying '' because I had either 1 ) an " ineligible repayment plan, '' or 2 ) because my payment " was received outside the payment period window. '' The terms of the new XXXX XXXX XXXX state that all federal direct student loan payments -- regardless of the type of repayment plan -- are qualifying, with the approved employment certification. Late or incomplete payments are also eligible and should be approved as qualifying, with approved employment certification. 

Thus, under these expanded terms of the Limited XXXX  Waiver, my current total of " qualifying payments '' should be updated to well over XXXX -- to include all payments I made under a previously ineligible repayment plan and all those I submitted slightly late. My application for loan forgiveness was inaccurately denied under the expanded terms of XXXX XXXX. My qualifying payment count should be updated acccordingly, my XXXX application should be approved, and my loan should be discharged.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC (IN)

Llyod & McDaniel purchased a debt from XXXX Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On Saturday XX/XX/XXXX a lending agent Mr. XXXX XXXX from Amerisave contacted me in regards to my inquiry online to refinance, That same day they emailed me what they call a chart that showed their current rates I reviewed the chart and choose to refinance for {$120000.00} Loan amount at 4 % a closing cost of {$2700.00} these numbers came from the chart that provided that day, the balance on my home was {$950000.00} and the closing Cost would come from the amount financed I wrote these numbers in my email back to him and that based on those numbers I would proceed with an application.

I also spoke to him that due to the small amount I was refinancing I did not want to pay anymore on my closing and I did not wish escrow my Insurance and tax these were the issues I was adamant about.

I filled in the application that evening the next morning I get a .PDF File with my loan information the closing cost is now {$3400.00} I emailed Mr XXXX That I was not paying this closing cost it was not what he provided me with less Than 24 hours before, his reply was that he must have sent me Thursdays Ratings and it must have changed on Friday?? Wish he did not provide He has also become very assertive on the phone to the point I no longer want to deal with this person he was to the point of harassing and not allow me to finish a statement And just kept cutting me off, at that point I no longer felt confident in dealing with Mr XXXX and the answers that he was giving me nor the bedevilment I no longer wanted to proceed with my application.

Also on the statement that he emailed me made no sense the estimated pay off on my mortgage was {$100000.00} as The original mortgage was only {$100000.00}. And a balance of {$95000.00} were was The additional {$6400.00} going?

In only a few hours of dealing with Mr XXXX  I no longer felt confident and Was to the point being bullied by the man I requested that my {$500.00} application be returned. His response was It is not refundable unless you close your loan.

I have since called their main office and spoke to a XXXX  that stated the same Response NO REFUND under any circumstances but closing there company did nothing to justify not returning my {$500.00} as they were negligent in provided incorrect information.

In less than 24 hours I stop my application my reason for not proceeding Is that the numbers they sent to me were incorrect I am providing the email they sent that show the cost that I had agreed to proceed with and the file that Was emailed the next day with the increase.

The consumer is not aware when they pay their {$500.00} application fee That no matter what fraudulent actions or harassment Amerisave does or say they simply get to keep your money.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION (VA)

I was supposed to receive a call back last week about deferment or repayment options after the rep received clarity. Never received a call back call on XX/XX/2022 the line for the forbearance team did not ring just silent I called back twice..

The third time I called back I held for 58 min and got customer service and was advised someone would call me back in XXXX hours I do not receive a call today. I called back today in XX/XX/2022 phone for forbearance department still has not rang. I would like to resolve this as soon as possible.
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

XXXX is the branch manager of Bank of America located at XXXX XXXX XXXX XXXX XXXX, UT XXXX  and is specifically refusing to review bank policies and declining to assist customers. This location in XXXX, UT is the only fully functioning branch and was only recently opened.

I attempted to convert a Bank of America check payable to me into a cashier 's check so that the funds could be certified and because I am not an account holder they told me they would not help me. Since BOA is new in Utah, I called my local BOA bank in Oklahoma that I am familiar with and they reassured me that they should be assisting me & they just need to review the procedures for completing this.

Not only did XXXX  refuse to review policies and refuse to convert my check into a cashier 's check but he also refused to cash my check. I inquired if I opened an account and deposited the check when would the funds be available so they could issue me my cashier 's check and then XXXX, the branch manager said he would be placing an extended fraud hold on the funds because it is a new account. THE CHECK IS DRAWN OFF OF YOUR BANK. They refuse to assist and then threatens me with not releasing the funds?! They just make you feel like a criminal.

I called the Oklahoma branch back and requested they send an email to XXXX with a link to their procedures that will show him the appropriate steps that " should '' have been taken.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX, I fell victim to a scam through my university that cost me {$1000.00}. The scam was a job posting email for a remote position, and they told me that I would be provided materials for the job. They communicated with me through a University XXXX XXXX professors official email account and sent me a fraudulent check as reimbursement for the zelle payment that was supposed to be going to a sales rep for my supplies. I filed a police report and a fraud report with the FTC as well as a claim with my bank on XX/XX/XXXX. My bank, Bank of America, denied my claim and told me that they will not help me in any way because I am at fault. I thought they would protect me as a part of Regulation E, but they refused.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I had been making payments that were requested from XXXX with no prior knowledge of their COVID relief to state payments as deferred and not show up late. Though I was making payments to the monthly payment plan they still incorrectly reported the monthly payment late.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had been making payments that were requested from XXXX with no prior knowledge of their COVID relief to state payments as deferred and not show up late. Though I was making payments to the monthly payment plan they still incorrectly reported the monthly payment late.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (MI)

15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OR)

I had a checking account with Key Bank that I used sparingly. I recently went in for a transaction and was told that my account had been closed. 

I had {$40.00} in the account. I contacted Key Bank and they returned my call. They told me that they had begun charging me a XXXX XXXX  monthly fee and closed my account after the funds ran out. I had a free checking account with no minimum balance and should not have been charged a fee. 

I never received any notifications via email or US mail, or phone calls, text messages, or any communications at all that they were charging me a fee or that my account was closed. 

I don't understand how they are allowed to simply take my money without notifying me. They had my physical address, email address and phone number.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blakely-Witt and Associates, Inc. (TX)

they say i owe money on apartments complex but they never show me a contract or papers or anything only words and is damage my credit and fair living. 
i want to stop or send proof that is mine.. 
if not stop doing it ...
Consumer complaint received 2016-01-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (CA)

I think they key words here are Speedy Cash. I 've been reading that these guys fish people for information under the guise of advance loans. I have NEVER taken out a loan of any kind outside of my mortgage, period. They call daily from the same number. It is a recording from a woman named XXXX, calling about a " personal business matter ''. It 's exactly 36 seconds long and comes in twice a week or more. I 've been on and recently renewed the DNC list for my phone. I 've also blocked the number. I 've read on various sites on the internet that in responding they fish you for personal information including SSN. They have also mailed me twice from XXXX different Recovery services. XXXX XXXX and another, but I threw out the letter once I read about the scam. The letter asks to remit payment with no details other then the amount on the letter. 

This is either a phishing scam or I 'm the victim of identity theft. Given the scam notices, I 'm going with the former and ignoring.
Consumer complaint received 2022-07-06
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. (NJ)

In accordance with the Fair Credit Reporting act XXXXXXXX Account name XXXX Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX Account number XXXX, Account name XXXXXXXX XXXX  Account number XXXX, Account name XXXX Account number 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 2021-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/XXXX my bank sent the pay off to Kia to payoff my lease and purchase the car. I mailed in the Odometer statement to the address provided on the statement. On XX/XX/XXXX I received a letter in the mail with a Bill of Sale I needed to sign and a place to fax it too. ( Please see original letter ) I faxed it to the number on the letter on XX/XX/XXXX ( see first fax receipt ). On XX/XX/XXXX I received notice from my bank, the new lien holder, that I needed to provide proof of insurance. However, I can not do this until I receive the title and can register the car in my name. On XX/XX/XXXX I called Kia and spoke with a customer service rep who said it had not been received and I should fax it to a different number XXXX XXXX XXXX XXXX. I did this immediately ( please see second fax receipt ). 

Today, XX/XX/XXXX, I called Kia again to confirm the bill of sale had be received. The customer service rep said it had not been. I asked to speak with a supervisor. The supervisor informed that I needed to send it to the XXXX XXXX XXXX XXXX fax number. When I told her I have a receipt that I did so and I needed the title immediately since I had to get the car registered as I can not drive it currently without. I asked her what I needed to do to get the Bill of Sale send over immediately. She told me there was nothing she could go and told me she was terminating our phone call. 

My car has been paid off since XX/XX/XXXX and Kia is refusing to send me the title. I can not drive my car and have had to walk to work for over a month now.