davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (CT)

OnXX/XX/XXXX I received 3 letters which stated O owed money. On XX/XX/XXXX I sent letter asking for verification of debts and to only be contacted by mail. I continue to get continuous calls at home as well as on my cell phone. The company failed to provide verification. OnXX/XX/XXXX i received 3 letters which state the company was thinking of forwarding my accounts to an attorney for possible litigation. 2 months prior I had a phone conversation with the company and they threatened with the same action. I sent a letter in return and attached a copy of my previous letter from XX/XX/XXXX. OnXX/XX/XXXX I received 3 more letters stating they reviewed information and found their records were correct and again I sent letter in return. While typing that letter todayXX/XX/XXXX I again received a call from them on my cell phone. Unverified information is still being reported on my credit reports.
Consumer complaint received 2022-09-28
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: AMERICA FIRST FEDERAL CREDIT UNION (WY)

AMERICA FIRST CREDIT U Inquired on XX/XX/2022 Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Discriminated against my personal profile which is written out in my attached Document. They also unlawfully refused me credit and Unlawfully used my Credit Card aka XXXX card and placed an Unlawful Hard Inquiry attached on page XXXX as proof on my Credit Profile Unlawful Violations include : 15 USC 1691c and is pursuant to civil liability under 15. USC 1692K. Also 15 US code 1642. USC 1681m. And 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my Social Security number ( Credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( of credit card ) of America First Credit union.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a new card in the mail on XX/XX/2021 and immediately called customer service to link the new card to my existing chase business account to have all my cards in one account. 

The specialist misunderstood my request and consolidated my new card to my older business card and closed the new card. 

I explained to her I did not want the card to be closed and that all I wanted was to link the two chase accounts together. She apologized for the mistake and promised to reverse the process. She returns 30 minutes later and informed me that the process could not be reversed and my only option was to reapply for the credit card. 

I should not be doing this to fix the problem they created. I can not reapply for a new card because the hard pull will lower my credit even lower from the previous application. Theres also no guarantee that I will get accepted again.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

Was told by Navient Corp that my loans were in forbearance but Navient proceeded to report late payments for 90 days from XX/XX/XXXX-XX/XX/XXXX. Loans should have never been in forbearance and should  have had a grace period starting in XX/XX/XXXX ( year I graduated ). 

Now I also just paid off my last loan balance and Navient for some reason charged me an additional {$97.00}. This needs to be refunded back to me as soon as possible.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

on XX/XX/2022 : The caller of ( XXXX ) XXXX from XXXX XXXX XXXX initially had someone call my niece and spouse. When the call was to my husband, I took the call and called the above-mentioned number on my cell phone. 

The person that answered the call. I provided the reference case number that was initially provided to me from the first caller, I notified the Fraud company of said owed debt who told me after checking that I did not owe anything and appeared to be in good standing. 

She comforted me. But this is really harassment on all levels
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (AL)

On XX/XX/XXXX my car was repossessed. I called Ally 's financial to see what steps I needed to stop the repossession. I was told the total amount I had to pay and how my payment needed to be sent. I was told that when I sent it that I had to provide a reference number for them to send the release out. I called and provided the reference number. I was told that it had already been sent to auction on XX/XX/XXXX. They gave me until XX/XX/XXXX to pay it, why would you send to auction before the customers day that you provided they had to pay buy. I still was trying be understanding of the situation. I called the Auction that it was sent to only to be told they never received my vehicle. When I called Ally financial for the third time I was on hold for over an hour after being told that it would only be a few minuets only to be told that it can take up to 48 hours for a vehicle to show. I understand that, but the vehicle was picked up from the repossession lot and taken to the auction on XX/XX/XXXX which is a total of 5 days prior. It should have already made it to that destination that is only 4 hours away from the location it was picked up from. All day on the phone and i got no where. There seems to be dishonesty somewhere, and the customer service representatives should have a better understanding of what is going on instead of putting the customer on hold for an hour hoping they will hang up so they don't have to resolve customers issues. I have done my part and paid what was owed and still don't know where my car is. The whole experience could have went a lot smoother had they actually waited until the date I was given to pay the amount, Instead I have missed two days of work to go on a wild goose chase for i vehicle I just paid on and still don't have. I can not be the only one who has complained on Ally financial and the way they direct business. This should really be looked into.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (VA)

Regarding a loan with Bank  United  in  XXXX , FL : The loan was originated for {$710000.00} in   XX/XX/XXXX  a nd was a negative amortization loan for a property in  XXXX , VA. It peaked in cost at approximately {$760000.00 } ( du e to negative amortization ) in la te  XX/XX/XXXX  ( Bank United has been unable to provide me exact numbers to date ). In  XX/XX/XXXX  the loan was modified by Bank United to its current state ( Bank United did this of its own acc ord ).   The property price was over-inflated and the bank did not use appropriated methods to approve the loan. Despite repeated requests over the years, the bank will not modify or refinance the loan and the home can not be sold for anything close to the outstanding amount of the loan. The only offer received has been for {$380000.00} and the outstanding balance is {$680000.00}.   I have repeatedly asked the bank for information and accommodation to no avail.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Our home mortgage was sold to XXXX. They hired Seterus Inc. to service the loan. This year, Seterus began demanding money in excess of the required monthly payment under the loan documents. They threaten to foreclose if the extra amount is not paid, but we have not paid it. When I asked for an explanation they simply remained silent. I am an attorney. I believe they are demanding excess funds not authorized by the mortgage. They do nothing when we refuse to pay. This has been going on for about five months. The amounts they are demanding make no sense. They are different every month. I checked on the Internet, and they seem to be doing this to many other people. I believe it is a scheme to defraud people out of money they do not owe. There is other misconduct Seterus is committing. If you run a search on the Internet for Seterus Inc., these consumer complaints show up. I am certain I have not heard all of them yet. I can not believe this misconduct is occurring. I feel sure that the owner of the loan does not know about this.
Consumer complaint received 2019-07-04
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. (NY)

i am disputing the four late payments reporting on my credit report from XXXXXXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.
Consumer complaint received 2019-07-04
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. (TX)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this.. 

DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ; DPT EDXXXX XXXX ;
Consumer complaint received 2019-01-16
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (VA)

This was a lease that I entered into with GMfinancial. The agreement opened on XX/XX/XXXX and ended XX/XX/XXXX. It was a 36 month lease term that ended early. I choose to end the lease as my wife was over miles 2 months early. GM and I worked out the payments need to complete the agreement, which I paid in full. The total of {$2700.00} was paid for early termination and mileage. I opted to ground the car at the dealership that I purchased a new GM car from. Throughout the life of the lease, I had an excellent payment history.

GMFInancial is appearing on the derogatory section of my report. This should not be derogatory and be removed. This has hurt my credit score and resulted in high costs to buy another vehicle. I have been unfairly affected as a consumer by this error and should be compensated.
Consumer complaint received 2019-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC (WA)

RECEIVED NOTICE OF " FINAL DEMAND FOR PAYMENT '' WHEN I HAVE NOT RECEIVED ANY PRIOR NOTICE OF THIS DEBT, NOR AN INVOICE FROM THE HOSPITAL FOR THE ALLEGED DEBT. I HAVE ALSO NOT RECEIVED ANY INFORMATION ON HOW TO DISPUTE THIS DEBT OR IF I CAN EVEN DISPUTE IT.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (CA)

My wife applied for a credit card with ToysRus XXXX weeks ago. She gave her social security number along with other demographic information. My wife signature for the credit card application was captured electronically at the store. I had nothing to deal with the credit card application and none of my information was given at the time of application or thereafter. The cashier at ToysRus informed my wife of credit approval and line of credit and when I asked him why my name is showing on the attached credit card approval-receipt ; his answer was because he attached my ToysRus reward card to my wife 's credit card. Two weeks later, a ToysRus credit card is mailed to our address with my name on as opposed to my wife. I contacted Synchrony Bank customer service ( the provider of ToysRus credit ) to inquire about the newly mailed card. Synchrony bank immediately denied any wrongdoing and informed that the card was mine and the application was run under my name. I informed Synchrony Bank that never at any instance I provided my social security number at ToysRus stores. Synchrony bank answer was to go back and resolve the issue with ToysRus store where the credit card was opened. The customer service representative also informed that ToysRus used my previous information from a former credit application from XXXX years ago. 
Regardless which of the entities ToysRus or Synchrony Bank is at fault, the true issue on hand is a credit card application was approved with improper signature, erroneous ownership and wrong social security number.
Consumer complaint received 2022-09-28
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Hello, I received a PPP deposit into my Chase Personal Checking account on Friday, XX/XX/XXXX. The following day I called the automated system because I was surprisingly locked out of my online banking and it stated that the deposit was returned. However, Ive called numerous times and agents are either giving me the run around and keep transferring me OR they tell me its still pending but refuse to confirm the information that the automated system provided. I then receive an email stating that my account will be closing and theres nothing that can be done. 

They denied me for a business checking therefore I continue to use my personal checking for business purposes. I am a legitimate business who is entitled to the PPPA SBA loan that I applied and was approved for. 

I need confirmation on if Chase Bank really sent the money back to the lending bank so I can deal with the lending bank directly. Im recently found out that this is happening to numerous people and Chase Bank is advising some that they will be keeping the funds for 2 years and then sending them directly back to SBA and not the lending bank. I need to know if the legal and true and why are only some customers being informed this?
Consumer complaint received 2024-03-09
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. (GA)

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of 2016 I purchased some furniture from Bassett furniture, and decided to use the wellsfargo card they offered and utilize the promotion they had. It was deferred interest for a year I made three sepetate purchases. One was for a large amount the other two were smaller amounts. Throughout the course of the year I made payments toward my balance with the understanding from them that all the money I was paying was going toward the main first promotional balance. I am close to the end of my first promotion and was going over numbers and realized that the money I was paying all this time was indeed not going to my main promotion. When I called them to ask what was going on, I was informed that I did not have a credit card but a loan. I began to explain to him I did n't take out a loan I had have a credit card, a XXXX card, and that every month I get a credit card statement. He decided to continue to belittle my intelligence and offer no help, rather pass me off to a supervisor. I spoke briefly to the supervisor and he said that I should of known this was how they operated, that he would get back with me, but never spoke about how out of the twenty times I called over the course of the year the employees should n't of lied to me. I would of not made any purchases with them had I know this, much less numerous ones. PLEASE do not for any reason use wellsfargo bank card service for any reason. They do not operate like any other card companies at all, they make sure you are undable to pay off any of your balance on time, and will lie and twist the truth to get you to use them. I have used many promotions and neve have I been scamed like this.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IA)

Mother passed away in XXXX of 2014 with a mortgage with PNC Mortgage. We were unable to pay it as we were awaiting probate and access to her funds. The mortgage company would not talk to us because we were not authorized but they were notified of the situation. By the time we had access, the account was sent to foreclosure and we were forced to pay a large penalty to get the account back into good standing. We have since sold the house and paid off the mortgage but feel it should have never been transferred to foreclosure as we in good faith did all we could under the circumstances. We would like to recoup the money that we paid that was above and beyond the normal mortgage amount.
Consumer complaint received 2024-03-09
Product: Credit reporting 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 called trans union and advise of unauthorized inquiries on my report and that was probably due to identity theft. And asked for them to be removed. They advise me that they can not remove them and I had to contact the merchant. I advise them that they were in violation of the FCRA ACT. And by acknowledging that they too would be held accountable. I filed a identity theft report with Ftc
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

This is in regards to my Toys R Us Charge. In on XX/XX/XXXX, with a XXXX balance on my card, I made a {$28.00} purchase, but did not receive a statement in the mail. I called on XX/XX/XXXXto inquire about my statements, I was told they were set to electronic and I asked to have that changed to paper. I paid the balance of the card, and returned it to XXXX. Because I keep a XXXX balance, I am not mentally aware of the payment cycle and require statements to remind me of payment amounts and due dates. In XX/XX/XXXX, I made a total of {$230.00} in purchases. In XXXX, I called because I still had n't received my statement. I was told it was mailed on XX/XX/XXXX, to which I stated that it was a Federal Holiday and the USPS was closed. I was assured I would receive it. I made several more calls advising that I had not been receiving statements until XX/XX/XXXX, when I was told that the spelling of my City was not correct, and it was updated. I asked for copies of all the back statements. I sent a letter on XX/XX/XXXX requesting that the late charges be credited back to me and any interest paid on those charges be credited back as well, due to their error in sending my statements to the wrong mailing address. I received the back statements in the mail, as well as subsequent statements but no response to my written request, it has been more than 60 days. I have again brought the account to a XXXX balance. I paid a total of {$350.00} for {$230.00} in purchases. The fees and interest totaled {$120.00}, over 52 % of the total cost of the items. The resolution I am hoping to achieve is a refund of the late charges and interest paid on those late charges. The issue receiving my statements has been addressed.