davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX my husband moved out of our home and refused to pay any mortgage payments. I filed for divorce later that month. In XXXX, Chase sent me a mortgage assistance package ; I completed the documents and sent them back. In XXXX, I was able to be hired as a XXXX, I also obtained a divorce. I mailed Chase the updated information in XXXX, asking where to send payments, and did not receive a response back, nor notification that my application from XXXX had 'timed out '. I contacted Chase over the phone to make a payment and they said they needed a minimum of almost {$1700.00}. I told the person I could not pay that ; I had {$600.00} available for a payment, but no more and that I get paid once a month. She also told me my previous application had timed out and that I had to resubmit the forms ( new forms for XXXX ). I attempted to upload the documents, only to get an error that the 'upload feature ' was not working, so I faxed all the documents ( XXXX pages ) on the XXXX of XXXX. I checked Chase online, and they are not showing the documents. I attempted to upload another document today with the same issue : the upload feature is not working, again.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, 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. (GA)

I talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I 've disputed an inaccurate bankruptcy with Experian for several months now. Experian consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Experian has US BKPT CT GA XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Experian did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Experian did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Experian shows the assets and liabilities section as {$0.00}. This is inaccurate information as well.
Consumer complaint received 2017-08-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Patrick K Willis Company Inc (LA)

Today sb investigations contacted my boyfriends parents being very demanding and rude. Then also when I called and asked them to cease and desist they stated that they will keep contacting me and my family regardless of what I do. Then they did n't state the mini Miranda also XXXX, which is an investigator, posed as the owner of the company
Consumer complaint received 2017-06-30
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. (FL)

Contacted Experian and XXXX in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by Experian themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again. My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days lateXX/XX/XXXX ; 90 days late XX/XX/XXXX; 120 days lateXX/XX/XXXXand Charged off inXX/XX/XXXX The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years. Experian and XXXX is in violation of the 2 laws and need to be held accountable, especially since they needed to settle inXX/XX/XXXX with 31 state attorneys on inaccurate credit reporting information on consumer reports.
Consumer complaint received 2017-10-22
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. (MD)

I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I AM TRYING TO GET LOAN MODIFICATION FROM WELLS FARGO SINCE XX/XX/XXXX, WELLS FARGO IS REVIEWING MY LOAN MODE PACKAGE BUT STILL THEY TOLD ME THAT THEY WILL LET ME KNOW ON XX/XX/XXXX WHETHER THEY WILL APPROVE ME / NOT FOR LOAN MODIFICATION. AND I HAVE NO RIGHT TO APPEAL AND FORECLOSURE PROCESS WILL KEEP GOING ON ON XX/XX/XXXX. I HAVE SEND ALL MY COMPLETE PACKAGE TO WELLS FARGO BUT STILL THEY ARE TELLING ME THAT I NEEDED MORE PAPERS TO REVIEW, SO I HAVE SEND / RE-FAX MY PAPERS AGAIN AND AGAIN. I HIRED CONSULTATION COMPANY ON XX/XX/XXXX AND ALSO DIFFERENT CONSULTATION COMPANY ON XX/XX/XXXX TO STOP THE FORECLOSURE SALE DATE. END
Consumer complaint received 2017-08-21
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. (MD)

XXXX XXXX XXXX policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. XXXX is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Three things 1 ) they debited my checking account after issuing a cancellation for the payment. 
2 ) they offered to return the payment in 7-10 days which is unacceptable. 
3 ) they never returned the payment. as of 30 days later. 

also it is their practice to debit your account for autopayment even if you have already made the minimum due OR you have paid your balance in full unless you disable autopay. I think if you make the minimum due and your autopay is set for minimum due they should not debit your checking account for the minimum due. 

1 ) I set up a payment online for {$400.00} on XXXX to draft my checking account. As soon as I set up the payment I noticed it was for the wrong account ( within one minute ). I cancelled the payment and received a confirmation.After I received the confirmation, I set up a payment for {$400.00} on the correct account. Both debits posted to my two checking accounts the next day. The one I had cancelled caused an overdraft and a fee on my checking account. I called capital one and after 30 minutes they said it would take 7-10 days to reverse the item. I said that was not acceptable as they could reverse the item in 1 day if they wanted to. They never reversed the item. Also, the following month, my autopay did not work and I was charged a {$25.00} late fee.Customer service said they would issue a credit and look into the {$400.00} payment. I paid the minimum due of {$44.00} but they said autopay would still charge me {$110.00} even if I paid my balance in full resulting in a negative balance on my credit card. The customer service rep said its so people can pay their credit cards off sooner. I could disable autopay if I like.
Consumer complaint received 2017-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION (UT)

Toward the end of XXXX I received a letter from my mortgage company stating that my escrow changed and my payment is lower. I then went to my online banking and the bill-pay page. When I pulled up the automatic bill-pay for this payment, my options were " change '' or " delete ''. I clicked change then changed the amount and the date that it would go out on. The original being XXXX on the XXXX of the month, to XXXX on the XXXX. A week later when I checked my account, it was over XXXX  negative because Zions had sent both payments. I immediately called the bank who said that I had created a new bill-pay payment and that I would have to contact the mortgage company and request a refund. Being divorced almost a year ago, my name is not on the mortgage, only my ex-husband 's name is on it. Needless to say, the mortgage company would not return my phone calls. I asked my ex-husband to call for me. He did for XXXX weeks, with no return calls. He emailed them and they finally replied stating that because it was an automatic bill-pay they would not refund the amount and that the bank would have to request the money back. Well, the mortgage company would not return Zions ' calls either. After these XXXX weeks it became clear that I was not going to get my money back so I went back online and deleted the bill-pay and the payee all together so that they would not send another payment in XXXX. But on XXXX XXXX, I was checking my bank account and found that Zions had sent another payment anyway! Even after I had deleted the bill-pay and the payee. Zions admitted that the bill-pay was cancelled but would not say when and they are unwilling to give me the money and all of the fees that they have charged me over both of these instances.
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MD)

This is the last word that I have for JP Morgan because I no longer work for XXXX. Also I will not talk to any women who work for JP Morgan because a XXXX there in the executive department had her phone recording up so high nothing made sense when she was talking and another lady there in the executive department transferred me anywhere with-in the bank because she did not want to answer my questions, a lady named XXXX XXXX argued with me for a month in XX/XX/2018 about a case that was closed already in XX/XX/2018 and XXXX was before her, and now you request that I speak to a XXXX ( are you crazy )! XXXX is known to be a underhanded-cut thoat company and their employees and that is why they picked J P Morgan Chase Bank. Please see all the attachments -they will show you how much funds XXXX gave you all for me, and the funds I sent personally- which adds up to be well over- balance amount of funding, and that is before I added my {$3000.00} J P Morgan owes me any credit funds $ XXXX-that are left. Have you checked the person who has been changing JP Morgan 's auto machine?
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, equifax, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, and XXXX are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: POPULAR BANK (IL)

I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.
Consumer complaint received 2017-06-30
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: WAKEFIELD & ASSOCIATES, INC. (KS)

I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. So I also disputed with the collections agency as well sending them a letter certified with a tracking number and do n't recall signing a contract with this company nor did I remember receiving a duns letter allowing me a chance to dispute this allowing me a chance to dispute.
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I sent PRA a letter asking them to verify a debt, claimed to be owed to them, by sending me ( a ) the original contract and ( b ) a complete set of financial statements. In return, PRA sent me a financial statement for one month and did n't send the original contract. Furthermore, according to PRA 's records, the credit card account was opened in XXXX XXXX, yet PRA was only able to provide me a statement for XXXX XXXX. Thus, despite not having proof of contract or a complete set of financial statements, to show how the amount claimed to be owed was calculated, PRA is still reporting this debt to the credit bureaus.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I did a transaction through XXXX for XXXX to buy some iphones, I never received the iphones and the seller was asking me for more money with the reason that the shipment was caught by XXXX, I realized that this was an scam and I asked them to give me my money back, I opened a claim with Chase and they put a temporary credit on my account but the seller provided them with a tracking information of a pair of shoes they sent to my address as complementary they said in the conversation. The seller erase all the chat, but I was able to save before everything that shows that I did not received the XXXX. The problems is that Chase did not allow me to add my documentation and they removed the credit they gave me back and my account is overdrawn now, I have been calling Chase and XXXX so they can give me a response of where can I send the documents that verify what i said and that I a vicitm of a scam, Between Chase and XXXX they are jumping me to one side and the other and none of them wants to give me a resolution. I am adding the whole chat conversation that I had with the seller as well.
Consumer complaint received 2017-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too?

They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX!

I stop the payment They are trying to collect on this check in XX/XX/XXXX?
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (DE)

Based on the information received XX/XX/XXXX and my payments made in XX/XX/XXXX and  paperwork received from XXXX XX/XX/XXXX the information given to me about their decision does not show the same history payment as the XX/XX/XXXX and payment history. XXXX reversed the late payment assessment and made two payments in XX/XX/XXXX. please see attached paperwork for review. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.
Consumer complaint received 2017-10-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me XXXX times a day, as a XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.