davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (NC)

I do believe that a former coworker ( XXXX XXXX ) a known XXXX of my older brother ( XXXX XXXX XXXX )., did willfully commit mortgage fraud based on fake foreclosure paperwork that was taken out of my mail box ... ... In 2003 I owned the property and was served what I thought was real for closer paperwork. The Condo was subsequently foreclosed on behind my back and reported as abandoned to the Condo agency as I was fooled by a number of then ITS XXXX  that I work with during that time... A number of local XXXX  have a tendency to help these individuals based on their affiliation to local XXXX syndicate that is centered that is centered around XXXX N.C.... I was under for closer ... .more than XXXX from XXXX different companies ... ..witch means it was sold during my time of posse ion. 

Via fear of death, I was told to lay low based on the famous individuals involved. There are reports of multiple murders in the area based on assumed mortgage payments by XXXX dealers. 
XXXX XXXX XXXX
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.
Consumer complaint received 2016-03-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IN)

In XXXX of XXXX, I contacted Quicken Loans to inquire about a home loan to purchase a home for my family to live in Indiana. I was working with an individual names XXXX XXXX from Quicken Loans. During the process, I honestly disclosed to them that I had filed bankruptcy in XXXX of XXXX, and the Bankruptcy was discharged in XXXX of XXXX. 
XXXX XXXX stated that that should not matter, and that I was approved for a home loan. Weeks later, after I had my hopes up about being able to buy a house, XXXX contacted me, and stated that he now could not be able to approve me for a loan, because the bank that owned the loan on the house had not yet completed the foreclosure as indicated in the bankruptcy. XXXX stated that he would be able to approve me in a year, and to re-contact Quicken Loans in XXXX to re-start the loan process. 
I re-contacted Quicken Loans on XXXX/XXXX/XXXX, and have been speaking with XXXX XXXX from Quicken Loans. I explained to them what I was told by XXXX XXXX XXXX. Quicken loans is now stating that they will not be able to approve me for a loan, despite me being told by XXXX of their associated that they would be able to approve me. XXXX XXXX XXXX XXXX works for Quicken Loans, and when he tells a consumer something, he is speaking on behalf of Quicken Loans. It is illegal for a company to tell consumers something that they can not or or not willing to follow through with. I would like for someone to look into this, and hold Quicken Loans responsible to follow through with what their associated stated.
Consumer complaint received 2015-03-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc. (IL)

My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I was in XXXX, XXXX at a restaurant called XXXX XXXX where {$470.00} was charged on my card. Only {$180.00} was supposed to be charged on my credit card. I paid {$370.00} USD ( XXXX pesos ) in cash and the rest of the bill was supposed to be charged on my card. Instead, the restaurant decided to charge the whole thing on my card. I tried to explain this to Chase Bank and was denied twice. The first time I tried was on XX/XX/2022. They didnt get back to me until XX/XX/2022. I called into the customer service number and they told me to contact the restaurant directly and the restaurant told me on XX/XX/2022, that its been too long and to handle it with my bank. So I called Chase again on XX/XX/XXXX and they told me that I could re-open my case and to write a letter and I can drop it off at any Chase Bank institution. I wrote a letter and had someone from Chase Bank submit it for me on XX/XX/XXXX. I waited a few weeks to call again to check if my letter had been received. No such letter was received when I had called in on XX/XX/XXXX, so the Chase representative told me to send the letter via email. They sent me a letter on XX/XX/XXXX and XX/XX/XXXX saying that theyd work on it. Fast forward to today, XX/XX/XXXX, is when I got another denial letter.
Consumer complaint received 2015-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BARCLAYS BANK DELAWARE (IN)

I paid off my daughter 's car loan. The company insisted in splitting the payoff into multiple transactions. The loan was paid off as a cash advance from my credit card company instead of as a credit card transaction as i had been led to believe. It was not explained to me that i would be charged a fee for each transaction. The fees charged by Barclay on my AAdvantage Mastercards totaled {$330.00}.
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

I contacted Seterus regarding a hardship situation dealing with family medical issues, which was impacting my financials. 
The person I spoke to XXXX XXXX, was very understanding and implored the help of her manager XXXX XXXX. in the matter. 
They offered me an extension, and made payment arrangements by pushing out the due dates. However, I needed to give them pre-dated checks for payments. ( I have confirmation numbers for each one ). 
I was given reassurance that I would not be in delinquency or default status. 
Subsequently, one month later, I began receiving phone calls from another one of Seterus representatives, telling me my loan was in delinquency. I asked them to read the notes and agreement made with XXXX & XXXX. 
I then began receiving US postal letters and notices of default. I contacted Seterus via phone today and asked to speak to XXXX & XXXX. I was told by the representative that she could not transfer me. The representative informed me I had to work with her. 
I then asked to speak to a manager or supervisor. Again, I was not given the courtesy of my request. I have been dealing with Seterus for 2 years and have nothing good to say about their customer services or accounting practices.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$17000.00}
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OR)

NetSpend.com opened a prepaid debit card under my name with a fraudulent person. When I asked for details regarding the account to provide to the policy for the identity theft, they refused to provide any information. They created a fake account and attempted a hostile take over of my personal bank accounts.
Consumer complaint received 2022-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (KY)

I purchased a XXXX XXXX threw XXXX XXXX XXXX in XXXX XXXX XXXX Where they never applied my trade and car was purchased for over book value. Also my payments were taking out of my bank account but never applied. When I stopped letting them take out payments I started sending money orders to there XXXX XXXX as it is listed as kia motors finance XXXX XXXX XXXX XXXX tx XXXX I have contacted them multiple times about payments. Why they are not being applied. They keep saying I am turned over to collections. I started making payments threw money order and have copies of the money orders being cashed but not applied also they are pulling my credit report every couple of months pulling my credit score down. I called to get pay off info for my bank and I was hung up on 3 different times. The car company XXXX XXXX has pulled my credit report as well since purchase of vehicle. Im trying to get it payed off and am getting no where.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Revenue, Inc. (NJ)

Eastern Revenue is continuously calling me to collect on a debt that is already being paid to the collector through XXXX XXXX XXXX, XXXX XXXX, XXXX ext. XXXX. The debt has been paid six consecutive months with a payment plan in place on a monthly basis. I have proof of said payments via canceled checks front and back and XXXX XXXX College has been receiving their money. I have contacted XXXX and spoke to XXXX XXXX XXXX, bursars office, whom has confirmed receipt of the payments and that XXXX has not had any communication with or does not know whom Eastern Revenue is. Eastern Revenue has not sent me any written documentation with regard to the debt and I continue to receive calls from XXXX XXXX XXXX. Eastern Revenue has now put this information on my credit report and has tainted what I have been working so hard to maintain in good standing. I have contacted Eastern Revenue and all I get is that I need to make payments over the phone in order to take care of a debt which is already being taken care of.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (IL)

I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose.
Consumer complaint received 2015-07-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (IL)

COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.
Consumer complaint received 2016-10-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (GA)

PNC Bank bought my mortgage and now they make me pay a {$7.00} fee to pay my mortgage online. This fee is unfair as I did n't have to pay it with my previous lender and is now an additional charge.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I have a mortage with SLS and I and begin force into a foreclosure. I have been trying to do a loan modifcation with no succes, I would send in my documents and when I can they would put me on hold never answer my call, or they would hang the phone up on me. I have tried and tried I even tried to do a short sale there is no working. I am being force out of my house rhat I have with me and my kids, on to the street in the cold. And SLS is being allowed to get away with it, I dont know what to do at this point Im in a loss, loss situation. Sls do not need to be in business, I have been lied to and I am begin force out my home for weeks, I would send in paperwork that they say they never receive, deceive and lied to.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/year> Genesis crdt inaccurately reported on my credit that {$9300.00} is owed. I have absolutely no knowledge of this company or done business with them. Please remove inaccurate information immediately
Consumer complaint received 2023-04-14
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. (SC)

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00}, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

In XXXX XXXX I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX Frequent flier miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least {$500.00} in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX and received verbal confirmation that the offer was attached to my account and I funded the account on XXXX/XXXX/XXXX. I quickly completed the requirements. 
On approximately XXXX XXXX, XXXX I contacted Citi and spoke to a representative named " XXXX '' who assurred me that I had met all the requirements and the promotioal code was attached to my account. She stated I should see the miles post to my account by XXXX XXXX, XXXX In XXXX I secure messaged Citi and received a reply stating : " Our records confirm you met all the requirements for promotion code XXXX. 
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you completed all offer requirements. '' In XXXX I secure messaged Citi again the reply was " After further research we see you used a promotion code when the account was opened, however this promotion code was not sent to you by Citibank, regrettable you were not targeted for this promotion. '' I immediately appealed this citing verbal and written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account and both verbally and in writing in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least {$500.00} worth of frequent flier miles
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (AR)

XX/XX/XXXX I am unaware of this alleged debt that the Aargon Agency Inc.stated I owe them in the amount of {$330.00} that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion deleted XXXX XXXX and XXXX. I have never heard or authorized XXXX. I have a fraud alert on my credit report. I did authorize XXXX XXXX/XXXX/16 as they called me to ask if they could use my credit report. But again, they deleted both and I received an alert from XXXX XXXX, which shows they went back and put both on my credit report on XXXX XXXX. I need for them to delete. I contacted Transunion and they refused to so anything.