davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
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. (AZ)

Experian failed to resolve dispute with XXXX XXXX XXXX they only have 3 reasons and three codes and none of these reasons fit they just picked one of the three and did not work because none of the three fit my situation. They did not file the dispute for the reason that I ask. They need to add more reasons. I have mailed Experian documentation supporting my dispute and they have not responded.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (VA)

Predatory lending : unfair, deceptive, or fraudulent lending practices, which imposes unlawful and abusive loan. 
Unlawfully foreclosure while on bankruptcy XXXX. Disallowing the property owners to get refinancing or lower the interest rate and mortgage payment after repeated request to Leander.

Adjustable rate mortgages, 8.0 % ( highest interest mortgages ), and balloon payment loans. Other predatory tactics include charging excessive and/or hidden fees in the amount financed,
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (PA)

On XX/XX/2020 I wrote out a mortgage check # XXXX in the amount of {$1200.00} and mailed the mortgage payment on XX/XX/XXXX. I have a two week grace period, up to the XXXX of each month before it is considered late. I received a letter from Provident Funding on XX/XX/XXXX stating that they did not receive the payment. I called Provident Funding on Tuesday XX/XX/XXXX and spoke with a representative about my {$34.00} late fee along with the missing payment. I gave the check number, and the representative on the phone looked in the mail to see if it had arrived and stated that it was not there. I called my bank and they checked if it was cashed, which it wasn't. For two days, I checked my account to see any account activity about check # XXXX. Thursday, XX/XX/XXXX, I canceled my check. Come XX/XX/XXXX, I wrote a new check # XXXX out for {$1300.00} and took it to the post office and paid for registered mail, so they had to sign when they received the check. As of today, XX/XX/XXXX, they have not received it and still wish to charge me for an unpaid mortgage, along with putting my name in credit collection.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

XXXX of America ( Chase Bank ) Auto Loan Account : REFUSAL TO REFUND EXCESS ACH PAYMENT On XX/XX/XXXX the final payment of {$560.00} for this loan was credited for a XXXX balance. Title has been released too. The money was taken from our checking on XX/XX/XXXX. On XX/XX/XXXX, 2 more payments were taken by Chase from our checking each for {$560.00} and only one was reversed that day, so we are still out {$560.00}. I have been trying since XX/XX/XXXX to get someone at Chase.com or the call center to act, resolve and refund. 

The standard answer is someone is reviewing and well get back to you. Its now almost 4 weeks since the error was made and many days since I was promised resolution and refund. Yet nothing from anyone Chase except a bunch of emails saying were sorry and a Chase email said dont write anymore -- we are not going to respond! 

Contacting to the call center is equally pointless. I made several calls : on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, and on XXXX XXXX promised refund on XXXX. On XXXX XXXX XXXX XXXX ext XXXX called and she said it is being elevated and I should check Secure Message for updates. On XXXX the date XXXX told me I was getting the refund I called and XXXX said its still open and elevated but no refund. 

On XX/XX/XXXX I again checked with XXXX XXXX and was told again " Payment services is working on it, there were systems errors and they can't refund until resolved. '' Chase suggested it was my banks error but since the transactions originated at Chase.com how is that possible? I have checked with my bank and was told nothing pending from Chase. 

I mailed a written letter to Chase Auto loans with documentation on XX/XX/XXXX and again no one has called, emailed or responded Calls/emails to XXXX of America get pushed back to Chase auto loan. Calls/emails to the local XXXX dealer ( XXXX XXXX ) where it bought it are ignored.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

I make my mortgage payment every month through my bank accounts online billpay service and have done so for years. I typically pay my mortgage payment early. My statements started reflecting that I was behind a few months ago. I made several calls and sent emails but Lakeview Loan Servicing has still failed to post the missing payment. I sent screenshots of my XXXX XXXX  account as well as the confirmation number from the billpay service. Recently I went to XXXX where they researched the payment and provided a debit trace number which I have now also sent to Lakeview Loan Servicing. The payment was made on XX/XX/XXXX in the amount of {$1800.00} and was for my XX/XX/XXXX mortgage payment. I made another payment using the same method for my XXXX payment on XX/XX/XXXX and Lakeview received that and posted it as my XXXX payment. I have made my payments the same way for years and never had this issue before. The debit trace number provided by XXXX is XXXX. Lakeview has been mostly non-responsive and emailed me that my issue was resolved after my XXXX mortgage payment was received and posted by them.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

XX/XX/2020 a fraud claim was opened on my Citi bank home depot card. I requested items on my account should be reviewed. Instead Citi bank home depot closed my card. Citi bank added a late charge payment on my account. The late payment is reporting to my credit report as a result.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX XXXX, I have requested from you and your alleged furnisher XXXX XXXX XXXX for documentation Proof of service my wet ink signature and you nor XXXX have furnished those documents I have asked for. a notice of fault is now presented to you, ten days to answer { AL } L the enclosed question, Not hearsay or copies actual documents my signature of service and the information of your company that I requested. The Hippa Violation need to be addressed also
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

They continually call my number harassing me and Im not the one that theyre even calling about. then, they refuse to tell me any information including their buisness name besides the abbreviation for it. I found out from XXXX that it is XXXX XXXX XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXccount XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

My Chase United Card ending XXXX notified me in XX/XX/2020 I had a delayed payment due. I logged in my online account, noted the delay, and was notified in my online account that my account was closed and I need to pay any outstanding balance. 
SO on XX/XX/2020 I payed the entire remining amount on my account of XXXX to bring this closed account to XXXX balance. I then destroyed my card. 

Last month on noticing my credit score go down, due to delayed credit card payment I went back to check my current and prior accounts - I noticed since XX/XX/2020, I was being charged interest and delayed fees on my closed and completely paid account. NO email, letter or notification of any kind was sent - delayed payment fees was continuously being charged. Having the account closed and paid off and with no notification, there was no reason for me to know I had an outstanding delayed balance. 

Since then I have repaid the outstanding illegitimately charged interest and delayed fees ( charged without any notification ) and verbally confirmed ( representative XXXX and XXXX XXXX ) that my account is definitely closed and there are no outstanding interest charges. 

Chase has behaved improperly collecting interest and late fees without notification so I was not aware of outstanding payments which further affected my credit score significantly. When accounts are closed and payed in full Chase fails to disclose that and keeps charging fees - this practice should not affect customers of hundreds of dollars and more importantly affect their credit scores due to unknowing " late payment '' as customers are not being notified
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

XXXX equity advertised 12 % return on money invested with them if held for 1 year. I agreed to invest the min amount of {$10000.00} ( XX/XX/2021 ) then later another {$10000.00} ( XX/XX/2021 ). The company was serve a cease and desist. They promised to return my investment but disappeared and never responded via phone or email. The company scammed me of {$20000.00} and i transferred the money to them through my Chase Bank account
Consumer complaint received 2018-10-27
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC (PA)

I was notified by irs that our income tax was going to be offset due to default student loan. I contacted reliant capital solutions llc I was informed my only option is to refinance and enter income driven repayment. I was directed to go to a website to print out application the website brought up a XXXX search. I googled the applications needed and filled them out. I was informed they would not be accepted I redid the applications with an employee of the company on the phone she again informed me they were wrong. I was asked to fill them out a third time. I was given 2 different fax numbers only one works the second one only worked after several attempts made. I have been receiving hang up calls from numbers associated with this company.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

In XXXX of 2016 I purchased a 50 week timeshare for {$13000.00}. I had 25 years to use it. I paid approximately {$3500.00} down and had a loan of about {$250.00} a month. I paid that {$250.00} for about 2 to 2.5 years. I went thru a divorce and couldnt afford it. 

I understand I had a loan. What I dont understand is Ive paid {$9000.00} and recieved essentially nothing except a right to use something I havent used. 

In addition to that the original creditor had it transferred to collections and the collection company is adding to the total each month. The balance is now {$9000.00} on my credit report. 

I believe Ive already paid {$9000.00}. In my view they got {$9000.00} free, giving nothing. 

Hypothetically would I even receive the 50 weeks if I do pay it off. I dont believe that the case. I feel this is unfair. Im ok walking away from the {$9000.00} paid. And getting nothing in return. Id like the item removed and blocked from my credit report and these tactics investigated
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (PA)

I have talked with the Waypoint Resource Group to have this removed from my credit report and all credit bureaus, ( XXXX, XXXX, XXXX  ). I have paid the bill in full and Waypoint Resource Group is working with me to send a payment for deletion letter for my records. Once I have that letter I will work having this negative item removed and stop affecting my credit score in a negative way.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (NC)

On XX/XX/XXXX, I started receiving calls at work from rent recovery solution about a debt from XXXX XXXX XXXX managed by XXXX XXXX. I finally spoke to them and ask them not to call me at work and gave them my phone number, they called me after that and I ask them to send me proof in the mail abouit the debt and they claimed they emailed it to XXXX but my email is XXXX. I made it very clear to them that if i dont receive detailed proof of the charges i will not discuss any payment arrangement. On XX/XX/XXXX, i receive a letter ( see attachement ) fom them finaly thinking it was the detailed list of the charges but no it was just a copy of my lease from the XXXX. The lease only proved i lived there but it does not prove i owe the debt i am being contacted about, i called them again today XX/XX/XXXX and spoke to XXXX XXXX and told her what i received in the mail only for her to tell me they sent correspondence to the above wrong email which i never got of course and said she will send me one via the post office then told me she was hanging uop on me so i called back and I asked to speak to a supervisor and one XXXX came on the phone and was very rude and told me they are not sending anything else and that she will mark my account as disputed. She also kept on insisting that i just confirmed i received the proof from them and i was very clear that i only received a copy of my mail and a cover letter stating the amount of the debt but nothing that actually tells me what iam being charged for. I am attaching the only mail i received from this compay. All i am asking is that they follow fair debt collection practices. They have already placed this debt on my credit while they have not verified it.
Consumer complaint received 2019-03-20
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: CORELOGIC INC (NY)

My credit was pulled from companies I did not authorize. 

Credco Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2021-03-03
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: Chime Financial Inc (NY)

Contact Chime via their in-app dispute to advise that I hadnt received an item purchased on my secured credit card. They refused to open a dispute in violation of TiLA and FCBA. I requested the address for billing errors and they will not be provide it. Have explained that not receiving goods purchased using the card is a merchant and billing error. The company is routinely failing to open disputes for myself and many others according to CFPB complaint database. Regulatory review is necessary here, we are under a new administration which values consumer protection laws.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I had 3 cards with Bank of America. I closed 1 due to a recurring fraudulent charge. B of A closed all 3! I've been a customer since 'XX/XX/XXXX & always paid on time, most of the time bringing balance down to XXXX. Contacted them - they had the nerve to say I should reapply! On 1 of  the accounts, I owe $ XXXX, but since they closed it, I now owe that amount to be paid in full!
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I HAVE A 30 DAY LATE ON MY CREDIT REPORT. I PAID ON XX/XX/2018 FOR THE AMOUNT OF XXXX IT WAS taken from my acoount. I called freedom mortgage. I spoke with a REPRESENTATIVE and they told me to email my supportive documents and a brief message and they should remove 30 day from my credit report. Freedom mortgage is starting that they never got my payment. I was told it never cleared from my bank. I have my online banking showing it was taken out. I did have two return checks but not for this amount. Then i was told i made a payment on XX/XX/2018 in the amount of XXXX. I never made a payment on XX/XX/2018 and never make a payment in the amount of XXXX.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I had a checking account with USAA and insurance. I had trouble paying my insurance, but when I tried to handle the situation I was dismissed from the company due to Bank fraud from XX/XX/XXXX. I had been with USAA and paying my insurance and all, but never contacted or emailed or even mailed a letter on bank fraud ever happening to my account. I tried to speak with customer service and fraud prevention as well. I was always passed around and put on hold for hours. I was told to contact the company in three days. I never could get any information on the bank fraud and why I was dismissed from insurance and USAA altogether. This year XX/XX/XXXX, I received two XXXX in the mail from USAA, and I found out that they are claiming I have received funds from them in the amount of {$980.00} and {$1900.00}. They also checked on the form I was personally liable for the debt and I had no clue I had any debt with the company. The only information the bak can tell me is that the fraud was done in XX/XX/XXXX. I did not find out about the fraud until XX/XX/XXXX, when trying to figure out what happened to my insurance claim and why I was dismissed from continuing business with the company. I am filing this complaint because this was not handled properly or even investigated by the bank.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (DE)

On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) Credit  Collection Services to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Consumer complaint received 2018-09-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for a debt I do not owe. I have asked for a contract with my signature, disputed with the credit bureaus, as well as verification that I am responsible. They just provided a statement and my name does not appear on anything they have. However, they are still attempting to try to collect from me because of an association with the people on any documentation. I am not responsible and they have not provided ANYTHING to prove otherwise. I thank you in advance for your help in resolving this matter.