davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

Hello - Please assist in forwarding this dispute to Executive Office of Chase and Legal Department for another review. I would like to dispute the decision for my dispute claim denial. Per my previous complaint, I have also sent my charge dispute directly to XXXX multiple times and also have filed a complaint via XXXX, but XXXX still could not provide me the breakdown of the fees they charged for cancellation of the sale. Per Merchant 's policy ( clearly stated on their website ), it states : " If you 're unable to deliver tickets on time and as promised, your payment method may be charged an amount generally equal to XXXX % of your ticket cost. ". The ticket price was {$800.00}, so XXXX % should be {$160.00}, instead of the {$480.00} that they charged ( without any explanation or breakdown of the difference )! Please see attached for my initial charge dispute with XXXX. I 've also provided them with proof that the ticket was available, but XXXX refused the ticket. Hence, XXXX forced me to cancel the sale because they did not accept the ticket. Furthermore, XXXX still could not provide me with a specific breakdown of this 'difference ' from {$800.00} to {$480.00}. They agreed to provide courtesy refund, but only {$120.00}, instead of the {$480.00} that they charged directly to my Chase account. So Stub Hub still could not provide the breakdown on how the {$360.00} was determined. 
Additionally, the temporary credit {$480.00} has been removed from my Chase account, so I just need some assistance in fighting this illegal charge with the Merchant. Especially since it was charged by XXXX directly to my Chase checking account. So this dispute should serve as protection as Chase debit/credit customer, and also Chase 's protection to prevent anymore illegal charges from this merchant XXXX. 
Please escalate this matter for further review and more research. Greatly appreciate your assistance and look forward to a better resolution. Thank you.
Consumer complaint received 2016-05-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo foreclosed on my home and it was sold back to them on XXXX XXXX XXXX. It was valued at XXXX and was purchased for XXXX. The amount we still owed was approximately XXXX. I separated from my husband in XXXX XXXX. He allowed our home to go into foreclosure without my knowledge. I called Wells Fargo around XX/XX/XXXX and that 's when I learned about the foreclosure. I was told the loan status was going from pre forelosure to foreclosure. The right to cure had passed already in XX/XX/XXXX with no action from my husband and I could not be granted the opportunity given to him to cure the loan. I gave the representative my current mailing address where I could be served any papers and my contact info. I still have not received one piece of paper on this foreclosure, the sale, or have I ever received notification of any kind.I was told by the county recorder In XX/XX/XXXX they used publication in a newspaper to notify me when they had my address to serve me 2 months before this. I was trying to sell the home but was blocked from doing so by my my husband 's refusal to allow the realtors to show it. I was told I must pay the full balance to bring my home out of foeclosure. A wells Fargo rep told me that home loan modification was for those staying in their home not selling it. I did n't realize it would have bought me some time to sell the home. I learned of the sheriff 's sale in XX/XX/XXXX by realtor XXXX XXXX, a realtor my husband hired in the XXXX hour, who opted to not actively sell the home due to the pending sale. I was passed from person to person within the Wells Fargo mortgage department and their local law firm. The home is in a hot selling neighborhood and if given some more time to remove my husband I could sell the home and receive back my nearly XXXX in equity. I was told by the XXXX brown law firm who represented the bank to send the delay of sale to Wells Fargo mortgage help by fax ultimately it was denied and the sale continued. I later learned the request should have been sent to the sheriff 's office. I was a XXXX XXXX XXXX on a full scholarship when i separated from my marriage so I simply could not afford an attorney. My name was on that loan and still to this dayI have never been served or mailed anything on the foreclosure, sale, mediation ect.. I understand publication can only be used after a diligent search and they had my address for two months at the time they published my name. I was mislead about loan modification and the bank never worked with me to find a solution. My equity was a substantial amount and I feel I have been cheated out of it! I am located in Iowa
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX TRANSUNION AND XXXX HAVE THE INCORRECT INFO )
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-10-26
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. (FL)

I paid off a collection account in the amount of {$3000.00} on XXXX/XXXX/XXXX. On XXXX XXXX I noticed Equifax was still reporting a balanced owed of {$3000.00}. I submitted a dispute through Equifax. The investigation resulted in the creditor agreeing the account should be deleted from my credit report. I was told it could take up to 30 days for it to be removed. In XXXX, I viewed my credit report again and the balance/account was still included in my credit report. I called Equifax and they said I had to dispute again and that the creditor was responsible for reporting the update to Equifax. I called the creditor, XXXX XXXX, and they informed me they had reported it paid to Equifax. XXXX claimed they never received the data. According to the resolution provided by Equifax on XXXX/XXXX/XXXX, the item in question was to be deleted from my credit file, the same result as the initial dispute. However, the item is still shown on my credit report. 

To date, this item still shows on my credit report. I reached out to Equifax again today and was told I would have to file another dispute. I called XXXX XXXX and they informed me they have reported the balance paid in full to Equifax once a week for the past two months.
Consumer complaint received 2017-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (VA)

I applied  XXXX / XXXX / 17  which I was declined due to incorrect information on my credit file. I then applied again on  XXXX / XXXX / 17 . I contacted  Wells Fargo explaining the information on my credit file was not correct. I challenged the information on my file which was removed, contacted Wells Fargo Executive Office, and  was told to re-apply thus they would pull the corrected credit report. I did so  XXXX / XXXX / 17 , I explained this to the agent on the phone and assured me that this would happen. Upon calling back, I was informed that I was declined for the same reason as the original with the incorrect information which had been removed and verified that  Wells Fargo had not pulled my updated credit report. I called back and spoke with a manager. He th en escalated the issue to underwriting who refused to pull the corrected information. Thus, in violation of the FCRA, I was placed in contact with  XXXX  from the  Executive Office at this time. I did inform Wells Fargo that this would be escalated to t his office.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.
Consumer complaint received 2023-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Mohela became the servicer for my loans at the end of XXXX. Originally XXXX. I had paid a substantial amount during covid, over XXXX dollars. After debt relief was announced I requested a refund. Still no refund, but my loan balance has returned to the original amount. Mohelas website provides XXXX information about the transactions/refund. I didn't request a refund for the full amount. I only requested a refund for a certain transaction made during that time. I've not received a check or a deposit.
Consumer complaint received 2022-09-06
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. (TX)

on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX  i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (SC)

I paid a debt with the Law Office of Brett M Borland on XX/XX/2021. They were collecting on behalf of XXXX XXXX XXXX. Original creditor was : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the amount paid was {$1500.00}. They refuse to either report the debt as paid in full
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (CO)

I am a co-signer on a student loan for my son but he is not able to pay so I 'm making the payments. Wells Fargo failed to send me the statements and refuses to setup online access to the account so I can make the payments. They managed to send me one statement but they have stopped coming. They have damaged my credit and have refused to fix it. I have called them on the phone at least three times. All I want from them is to send me statements, give me online access to the account and fix the unfair credit remark on my credit report.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK (PA)

I was contacted by phone after applying on line, and the caller agreed to loan me {$1000.00} if I would wire him {$150.00} in lieu of a written contract to ensure him I could repay the loan. In desperation I did so, and he assured me that money plus the loan would be in my account within XXXX hours. After XXXX hours, I called him back and he said due to my poor credit rating, I would need to wire {$200.00} more for insurance. I did not. I want to provide phone numbers, places, and transactions to help stop these people from stealing. They were all XXXX, and I worry about terrorism. I 've learned, and realize most people would n't be that dumb, but a lot of people are in a bind like me. They have all of my personal information. 
These are the numbers and places the calls came from : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

We were charged overdraft fees on multiple transactions from our checking account with TD Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with TD Bank, at the point of sale. 

Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our TD Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. TD Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. 
About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Discovery Systems, LLC (WI)

Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one has the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.

they sent me their investigation and stated these accounts are complete and accurate.

I checked my report and everything is still the same. And according to the 15usc 1681 i 5, they are supposed to do this ( XXXX ) treatment is inaccurate or unverifiable information. 
( A ) in general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly remove that item if information from the file of the consumer.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2016-04-02
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories, devaluating my rewards by XXXX %. Over time the monetary value lost in rewards may be higher than {$500.00}. 

I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition, but I was not given any option.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN PACIFIC MORTGAGE (WA)

I was told my mortgage company would be America Pacific Mortgage through the whole loan process by my loan officer XXXX XXXX XXXX of XXXX. Loan went through alls good then I get a billing statement from a company called XXXX who told me they bought the loan yet I am still getting mail from America Pacific Mortgage. XXXX also ran my credit before the loan was even finalized. I tried calling American Pacific Mortgage but could only leave a message and no one is calling me back. My first payment is due XX/XX/XXXX and I do n't want to pay the wrong company. What do I do?
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MI)

I filed a complaint to CFPB about  US Bank a nd without any proof provided by company ( records, bills any proof ) you closed account agreeing with Bank while not basing your closing on any evidence which I alone provided. The company lied as proved by my attachment which showed that account was n't closed and still listed as open with credit available to this day. This immoral acts done against consumers always happen wh en GOP in  power. It 's too bad that the CFPB has been housed with people who do n't believe consumers should have any power versus banks.