davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (WI)

I signed up with Freedom Debt Relief in spring 2019 because I had overwhelming debt and wanted to get it paid. I was directed to not make anymore payments towards my debts and that they could help me lower them to one monthly fee. I was also told that there would be no charges until my settlements were taken care of. The company took out a total of {$5700.00} from my account and often sent me notices that they had reached a settlement offer and I needed to approve the offers so I did. Almost every debt I have claims they were never contacted and during my time with Freedom Debt Relief I had two judgements placed on me. I took screenshots of all fees charged to me and at one point there was a settle fee in the amount of {$840.00} for Freedom Debt Relief. Only one account was handled by this company and that was for {$500.00}. I requested for my money to be returned to me and they refused stating the money is theirs for fees owed. I am now trying to dig my way out of the debt myself and was scammed out of all that money I could be using to take care of these debts they promised they would handle. Also, I was told in the beginning I was in a 2 year program and this would be handled by now. Nothing was done for me by them. Im in a worse position than I was when I was quick talked into signing with this company.
Consumer complaint received 2015-09-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IN)

Long story short, I was currently in the Indiana hardest hits program when Chase bank put an illegal judgement against me. During my investigation they claimed it was because I defaulted the program so I called to confirm that it was completed and that they did send the XXXX $ dollar check to catch up my patents. It did take all XXXX to catch me up because in addition to my insurance policy At all state they had also been adding a forced placed policy of there own for years. I only had a XXXX day notice to being homeless. I also have the mortgage documents to prove this was an illegal foreclosure.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (OH)

I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

We took out a loan from Ashley Furniture for the purchase of a couch. The loan was supposed to be zero percent for 24 months. Now we were told by the bank that because we did not pay off the loan within the 24 months, they are accruing all of the interest, at 30 % for the 24 months. To make matters worse, the bank stop sending us statements back in XXXX 2015. Since the loan is on automatic payments, we did not notice the missing statement.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CA)

I have been trying to get my payment set up to make a payment for the last two weeks with continental finance for my cards ending XXXX XXXX, XXXX, and XXXX. They said they have been doing system update and as such can not process credit card payments. I am now going to be late due to them not having an adequate system. Every time I try to make a payment by phone, they said they can not do it. Every time I try to make a payment online, they give me an API error and it could not be processed.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have a American express by bluebird prepaid debit card I withdrew XXXX $ from a atm that I went to because there were no fees to get cash so anyhow the money was never dispensed but came out of my account still the banthat I used the atm at said there 's nothing they could do and said I had to time a dispute with the card carrier so I filed one and the told me it would take 10 to 45 business days to get back in other words since they were n't going to review my situation for 10 business days and then once the review my situation they may have more questions that I half to respond to and then up 45 days to review the questions I answers back. I know the there are laws set by the government and they are breakimy them since they are n't largely regulated
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Cash advance — 
Company: JPMORGAN CHASE & CO. (FL)

I have had a credit card with Chase for 6 years, I have been current with this. Early on I took out a cash advance of around {$3500.00} Although I have paid on this card on time every month my cash advance balance keeps rising. The card APR is 4 % but the cash APR is 19 %. Non of my payments have been applied to my cash advance balance and the high interest is added to the cash advance amount. So although the card is being paid down, the cash advance is now over {$6000.00}. I contacted the bank and they said that the lowest interest rate is paid first and interest on the cash advance portion will keep being added to the cash advance portion until the low rate balance is paid. My low rate balance is {$10000.00}. How can this be legal?
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

On XX/XX/XXXX, the bank Chime processed a transaction at XXXX for XXXX and XXXX dollars. At that time I already had reported my card lost and the transaction should have never gone through. But the card company never ended up blocking my card causing the payments to go through.i called the bank multiple times to make disputes. I made two disputes. The first time I added information about me having masshealth and how I also did not have a card at that time. That wasn't enough so they canceled the dispute. I added my police report the second time and that was still not enough. XXXX I called asking for the report of when my card was reported lost. They said they couldn't give it but would have someone call me back. They never did so I called back on XX/XX/XXXX. They stated they could not give me access to when my card was reported lost so I can submit it for a new dispute. I would like my {$800.00} back. My card got lost at XXXX and someone at XXXX must have used my pin to get access of stuff that's {$800.00} in XXXX. I also have masshealth and wouldn't be paying for any medication as I am in XXXX custody. They should have the police report as I sent it to them through email. 
XXXX XXXX
Consumer complaint received 2016-06-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (NY)

I was alerted by XXXX credit reporting that mortgage company, Selene Finance, fraudulently changed my home address on my report XXXX XXXX, 2016. The address they listed is a realty company in XXXX, NJ. I 've contacted my lawyer concerning the issue since Selene will not converse with me because a " cease & desist '' order is in place. Selene is well aware of my current home property address. If they do not rectify this fraudulent act, I will seek legal remedies.
Consumer complaint received 2016-05-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In XXXX, XXXX your office assisted me in a very horrible experience with XXXX XXXX XXXX and the mortgage crisis that happened during this horrible time. I was a victim of this horrible fraud by the mortgage lenders and after a long two year battle, I successfully modified my loan, in XXXX, XXXX. I though that my nightmare which severely impacted my life was over. I guess even with {$63.00} XXXX dollar fines, this practice is rearing it 's ugly head once again and I need help. XXXX XXXX XXXX sold my loan to Greentree Servicing who is now called Ditech. I was a XXXX, Greentree now Ditech customer. Because of my loan modification it clearly states if I have any delinquent payments the agreement can become null and voided and obviously I would be in foreclosure and possibly lose my home which is a fear I will never forget. I have lived in my home 31 years, raised all my children here and now grandchildren. The emotional distress this is causing me is insurmountably hard, I have sleepless nights. 

I made my regular payment, as I have always done but noticed my payment was not applied. I contacted Ditech immediately to have this corrected. Ditech informed me that due to their new " system '' my auto pay was cancelled and never notified me that in writing. I IMMEDIATELY made a payment over the phone on XXXX/XXXX/XXXX for the XXXX payment, and their rep XXXX XXXX from the XXXX, NC office MISAPPLIED my payment to principle instead of my house payment. So you understand how serious this is to me as I have XXXX trust in the bank, I schedule my auto pay on the XXXX of each month in order for me to babysit the process and give them enough time to mess up so it 's not close to the final due date. I have been calling daily to have the payment reallocated from principal to house payment and backdated to the date it was paid to no avail. It has been 8 business days. They continue to tell me my payment will be applied, but again I do not believe them and feel that this nightmare is starting once again! I have an extensive phone long and recorded my calls to them as they will not give me anything in writing that shows I did make my payment on time and it will be backdated and reallocated properly. I have spoken to 8 supervisors who make empty promises and it is my fear that this will fall through the cracks, just like what XXXX XXXX XXXX did, say they are missing a payment and threaten foreclosure. 

I 'm not surprised that they will not put any of these conversations or complaints in writing. I sent them a written demand to investigate this but again, due to lack of trust and reading that this mortgage services IS STILL PRACTICING UNETHICALLY I am reaching out for your assistance. 

Thank you for any help you can offer. My fear is that this housing crisis that I lived through is slowly coming back. The internet has hundreds of recent stories that mortgage service companies such as Ditech as still doing this unethical practice.
Consumer complaint received 2022-09-04
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. (NY)

My identity was stolen, someone opened with XXXX XXXX XXXX an account in my name and take out a loan, I reported the fraud, they investigated, and come to conclusion that the loan name and soc sec is mine therefore is not a fraud, and I am responsible for the loan payment, the bank never provided me with a copy of id used to open the loan or a copy of the signature page. XXXX XXXX XXXX XXXX never tried to cross examine my address and picture id with the one on file. During the investigation period the thief made a payment which never raised concerns whom he is where the money comes from under middle of the investigation period. I seen it on my credit report, when I brought it to XXXX XXXX XXXX XXXX Fraud Departments attention, I was told that they aware is not me paying and they still investigating my case. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud Investigations Manager closed my fraud report without resolving the case. and I still have the fraudulent at this point delinquent loan on my name. With a thief using that account. I need help to resolve this issue of the identity theft and fraud.
Consumer complaint received 2023-03-22
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: Advanced Resolution Services Inc. (CA)

Advanced Resolution Services sent me a letter Log # XXXX File # XXXX. 
They said the opt out will be in affect for 5 years or until I notify otherwise. Then they say if I would like to turn the temporary into a permanent that I should send in a written request. 
I already sent them in a written request via their website. I used a digital signature and included my driver 's license, electric bill and picture of my social security card. 

It is a burden for them to send me this correspondence and ask me to do something I have already done. They need to put a permanent opt out on my file. I have requested that they complete a file disclosure and send me everything in my file. As a violation they have not done this in the 30 day request period. I told them I filed an identitytheft.gov report. They also know that the consumer is entitled to one file disclosure every 12 months yet they refuse to send the file disclosure to me. I would like to see if there are items I need to dispute. I never gave them consent to send my information to employers. 
I have a right to receive the contents of my file. I also have a right to ask them to delete everything in my file. I don't give ARS my consent to collect or share my data with anyone.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The CBE Group, Inc. (AZ)

They were unprofessional, I asked them to put me on do not call list, they said they do no have one informed I do not want calls at all. They refused instead saying are you this person and gave a social security number without verify who they are talking to. I asked for the manager and he did the same tatics was basically refusing to comply with my request not to call. Informed will report and ended call
Consumer complaint received 2015-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (PA)

Repeated recorded calls to my home. I returned call. Was told they were looking for XXXX. I very politely told them they had the wrong phone number - no XXXX name XXXX lives here. Furthermore I do not know a XXXX. Still calling my home repeatedly. I attempted to call & tell them again that they have the wrong number but was unable as I now get a recording that they will not accept calls from my number. This is harassment! They keep calling my home with no purpose. Leaving messages to call them immediately while blocking calls from me.
Consumer complaint received 2022-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ASSETCARE LLC for committing identity theft. I have never given ASSETCARE LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ASSETCARE LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ASSETCARE LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ASSETCARE LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ASSETCARE LLC continues its collection efforts, I will file for litigation for actual damages caused and ASSETCARE LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2016-09-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

1 ) About XXXX, 2016 ( when I XXXX became aware of their derogatory report in my Credit File ) I sent a mailed Request to the company [ Midland ] in XXXX XXXX, Calif. to remove the False & Derogatory Report with the ( XXXX ) Credit Bureaus. They Failed/Refused to respond. 

2 ) XXXX XXXX, 2016, I sent a Request to [ all XXXX Credit Bureaus ] to Dispute the False Comment by [ Midland ] and Requesting they Remove it. No Reply to date. 

3 ) XXXX XXXX, 2016, I sent a XXXX complaint on [ Midland ] to Calif. XXXX.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (PA)

They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but Experian says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On my credit report I have a property that show ( date reported:XX/XX/XXXX under XXXX ). This property was under Bank of America in which I went delinquent with in XX/XX/XXXX. According to XXXX they purchased the property from Bank of America on XX/XX/XXXX. Nationstar comments on my credit report ( Foreclosure ). This XX/XX/XXXX was three year later, when it should have been done with Bank of America around XX/XX/XXXX or XX/XX/XXXX. Now it look like instead of me waiting 7 years to clear my credit it 's going to take 10 years which will be in XX/XX/XXXX. This is not only affection my credit report it is also affecting my daughter 's credit report.