davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

I Need Help, Please! Chase Visa is harassing me regarding my card ( ending in XXXX ) on which I am steadily paying, including repeated phone ( from the number XXXX ) and mail threats, as well as XXXX letters requiring signature which threaten to sue me and turn me over to " a law firm. '' I have had this card for many years and assumed full responsibility for payment after the XXXX  of my husband, with only my significantly less income. I currently owe XXXX, XXXX, an amount accrued primarily in XXXX when I had to move house after my husband 's XXXX  and then lost XXXX months of work due to XXXX. I was making steady progress paying the balance until spring 2023, when I again lost work due to COVID and missed XXXX payments. I spoke to Chase several times in XXXX XXXX  when they kept sending me notices that they would close my account and charge it off - and let them know my predicament. A phone agent gave me payment amounts to make in XXXX and XX/XX/2023 that she said would keep my account from being charged off. I made the payments and they closed it anyway. I asked for supervisors and possible converting to a loan help from them and could not get past the foreign call center operators. I have since made steady and consistent payments each month ; and while I do not make enough money at this time to pay enough extra to catch up the months missed, I continue to make steady payments toward the balance. Yet they have increased their harassment and threats of lawsuits - I am XXXX XXXX XXXX and this is negatively affecting my mental and physical health. I have not once tried to say that I am not responsible, I haven't gone to any credit relief company to get the bill lowered to pennies on the dollar. I just keep paying on what I owe and I pay at least XXXX each month, more when I can. I have tried to get a consolidation loan at a lower interest that I can pay this off with, but because Chase has gone ahead and ruined my credit, I can't get a loan and have no other option but to do what I am doing, which is pay all I can pay each month, while they continue to add on insane interest charges and fees.

I fully intend to pay my debts but I need help from you getting in Chase Visa to STOP harassing me and ruining my credit. I am working hard to get my credit back up where I may be eligible for a consolidation loan. I can never get through to an actual Chase supervisor or someone interested in helping me figure this out, I just get a call center. Please help me, Thank You. XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO Bank, N.A. (CA)

I've tried to use the card. They tell me I need to visit once of their bank branches to resolve some issue they won't disclose to me. BMO doesn't have a branch in my town. I just want to cancel the card and get my yearly fee refunded since the card has not been usable for months.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (VA)

The ATM user ( me ) requests a needed withdrawal of {$200.00} and agrees to the terminal fee of {$3.00} for the withdrawal. The ATM machine dispenses AGAINST MY WILL only a portion, for this instance only {$20.00} as " was able '' by the ATM. I was NOT GIVEN A CHOICE TO OPT OUT - the ATM spit out the {$20.00} bill and closed the transaction. {$23.00} for a {$20.00} withdrawal. I fell victim to a charge of 16.25 % charge for this withdrawal. 

Should'nt I have been alerted by this ATM that the {$200.00} was unavailable and given an opt-out alternative prior to the dispense of funds? 

This happens all of the time to millions of ATM customers.
Consumer complaint received 2018-05-05
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: EQUIFAX, INC. (CA)

I am brining to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2018, I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report.. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, I Disputed a Chapter XXXX and Chapter XXXX with TransUnion XXXX and XXXX that was reporting the furnisher was XXXX Bankruptcy XXXX .The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to credit bureaus. XXXX deleted both Bankruptcies from my credit report. XXXX and TransUnion sent back letters stating they were both accurate and verified. I called and sent a letter to XXXX Bankruptcy XXXX they sent me a letter stated they do not furnish information to any third party, including the credit bureaus. I sent another dispute attaching the letter from the court and they sent a letter stating verified and accurate and they're not reinvestigating.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

with perfect payment history Synchrony bank closed XXXX accounts ive had for years without warning and would not provide an answer when i contacted them. this has caused a XXXX point Credit drop. i am currently about to leave military after XXXX years of service. this Credit impact will cause severe issues with getting a home. there was no credit report changes before their decision and i had no opportunity to appeal.
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BRite Financial Services, Inc. (MI)

Good Day My name is XXXX XXXX XXXX. i live at XXXXXX/XX/XXXXXXXX XXXX, Michigan XXXX. 
ss number is XXXX. I purchase a car in XXXX .a XXXX XXXX XXXX Can was ok. Hard times hit me and a was able to turn in the car with no fees. Also I was told it would be a voltary turn in do to hard time. here are some of the problems. 
I have sent several letters to the 3 credit bureaus. 
Please contact XX/XX/XXXX XXXX XXXX andXX/XX/XXXX 

- The amount of the loan is wrong. 
- The time I had the car is wrong. 
-They won't tell me how much the car was sold for. 
- They telling me I still owe a balance of XXXX - I need proof of what the car was sold for and why I owe this amount. If they can't, please have removed. 
This is messing up my life. 
Please help me
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (ID)

Phantom Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted XX/XX/2020 @ XXXX MST from XXXX I was told my debt was {$4800.00} and that I would owe {$6400.00} after a judgment was granted against me and my wages would be garnished and negative information would be entered against my credit report. 
I was told I could get a settlement amount or make payment arrangements before this went to court and accrued legal fees.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I received my XXXX XXXX  report and Citizens bank has violated my privacy rights by reporting personal transactions to my XXXX XXXX report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and XXXX XXXX XXXX is not a part of citizens bank. I counted 28 transactions reported and that's 28 violations that I ' am seeking damages. My account # XXXX
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TX)

I had a car financed with XXXX XXXX XXXX with my mother being a co-signer, eventually I refinanced through OneMain Financial which was on XX/XX/2019. They proceeded to have my mom go to their store and sign papers to get her off the title, so the loan could be in my name only. My mother came off the title and everything looked good, I had a new loan and was required to get GAP insurance by OneMain. In XXXX, the car was totaled due to a hit and run while the vehicle was parked on the street, at this time my mom had moved out of the country and no longer resides in the United States. I contacted XXXX and they said they were going to fix the vehicle, but after a lengthy time at the body shop the body shop claimed it as a total, but XXXX proceeded to try to get it fixed. Eventually XXXX considered it a total loss. I told OneMain about the accident as well and confirmed I had Gap Insurance. XXXX requested my mom to sign off on the odometer statement, which shouldn't have been in the process, because she was supposed to be taken out off the title by OneMain. My mother what out of country and hard to reach, so this process took around 2 months to get her the papers and for her to send them back. XXXX proceeded to contact OneMain and collaborate with them, but there was a mishap with OneMain where they moved offices, therefore the check that was issued was not received by OneMain. Now I have poor credit, job loss due to COVID and was recently turned down for a new vehicle due to OneMain financial.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (WI)

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Consumer complaint received 2022-02-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

There has been 2 overpayments of {$98.00} from my escrow portion of the mortgage payment. The first posted XXXX XXXX and the 2nd. on XXXX XXXX, 2022. The servicer of the loan is Mr. Cooper, who uses a co. called XXXX for the disbursements of the escrow. 
The tax assessor, ( XXXX XXXX ), wrongly submitted an additional tax on my property that I had to appeal, and received a favorable decision from the XXXX XXXX Board of Taxation in late XXXX. I faxed the letter, ( verification ), that I was not responsible for the additional tax, yet they went forward on XXXX XXXX with the 2nd overpayment. The refund for the 1st. overpayment was sent by check from the municipal tax office in XXXX XXXX on XXXX XXXX and still has not been processed to my escrow!
Consumer complaint received 2022-02-18
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. (SC)

I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (MA)

I have a statement dated XX/XX/19 from " XXXX XXXX ''. XXXX XXXX account number : XXXX. Current creditor is listed as " XXXX XXXX XXXX XXXX '', Original creditor being XXXX XXXX. This is part one of the concern : XXXX XXXX is stating they are authorized to accept settlement on this debt, however " current creditor '' is listed as " XXXX XXXX XXXX XXXX '' on the very statement that XXXX is stating they can collect settlement on. 

The situation is made more interesting by a letter dated XX/XX/19 from SYNCOM- Synergetic Communication , Inc. Account number XXXX. SYNCOM letter states current creditor is " XXXX XXXX XXXX XXXX '', Original creditor of course being XXXX. SYNCOM letter states " client '' account number is XXXX which does not match the XXXX XXXX account number so I can not resolve myself with the fact that SYNCOM sold the debt the XXXX XXXX or vice versa. 

This leaves me to believe both companies are trying to collect the same debt. the dates on the letters are too close and the account numbers do not match, so I can not assume this debt was transferred. 

The following amounts are being attempted to be collected from me : SYNCOM says I owe {$640.00} and will accept {$160.00}, IF received by XX/XX/19. 
XXXX says I owe {$1400.00} and will accept {$970.00} IF received by XX/XX/19. 

XXXX XXXX can be reached @ XXXX or XXXX   SYNCOM can be reached @ XXXX or www.syncomcorp.net thank you for your help in this concerning matter. I am concerned my debt is with multiple agencies and i believe this is a violation of the FCRA and more so I believe Massachusetts has its own protections against this, but I am filing this complaint for help to confirm this.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

In XXXX, XXXX, I was alerted by one of my credit monitoring systems that my score had decreased. I went and reviewed my credit reports and found this XXXX 's account opened and already negatively reporting. The account was opened in XX/XX/XXXX. I don't know who did it but I did not authorize this.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint Mortgage continues to withdraw insurance premiums from my escrow amount after receiving all the documents showing proof of insurance coverage. 
The following amounts have been withdrawn from escrow account : XX/XX/2020 {$490.00} Shellpoint Insurance XX/XX/2020 {$1100.00} City Tax XX/XX/2020 {$450.00} Shellpoint Insurance XX/XX/2020 : Current escrow balance {$210.00} Today : XX/XX/2020 Noted an insurance refund of only {$71.00}. 

Shellpoint Mortgage has not refunded the entire amount of all the insurance premiums that have been withdrawn from my escrow account, resulting in a negative balance of {$210.00}. 
This will significantly affect the report when the XXXX XXXX is performed.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have an account with CREDIT ACCEPTANCE CORP with the account number # XXXX. This account is fraudulent and is currently showing up on my credit report. I have already attempted to contact the company, but have received no response. Please investigate this matter.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AE)

I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I was approved for a mortgage with Rocket Mortgage /Quicken in XX/XX/2020.. The property I was purchasing was under construction and my closing date was set for XX/XX/XXXX. my complaint is Rocket practiced bait and switch business tactics On my initial loan estimate, the numbers shown were {$15000.00} to close A few weeks later on XX/XX/XXXX I was given an updated cash to close amount which was XXXX. This was to be the final number according to the loan officer. 

On XX/XX/2020 just a few days before close, I was sent a final disclosure with a new cash to close amount of XXXX. 

On XX/XX/XXXX, I was told the closing needed to be pushed to Monday XX/XX/XXXX because there was a new change in cash to close, I was then sent another closing disclosure with a cash to close amount of {$24000.00}. 

When asking the loan officer what was going on and why was my amount changing so much, I was told Rocket made an error in their documentation. After multiple calls, it seems Rocket failed to confirm numbers with the builder, property taxes in addition to who was paying the title fees. 

I was only days from closing and told i needed an addition {$7000.00} to close. 

Rocket failed to try to resolve the issue for me, I asked if they made an error, they should take care of the cost in which they failed to disclose beforehand weeks before with the approval letters. 

I ended up having to cancel my closing and find a new lender due to this issue. I had to pay for another appraisal with the new lender due to the mistake rocket made. Through the entire process I received several different numbers varying in thousands of dollars, with the most difference just 3 days before my closing. 

The loan officer seemed to hide the cost until the end so he could be sure the loan was going to close, assuming i was desperate for the loan.
Consumer complaint received 2018-05-04
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: Experian Information Solutions Inc. (VA)

Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from XXXX XXXX that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints
Consumer complaint received 2023-02-21
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. (MD)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022