davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-19
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (AZ)

dear sirs, I have owned my home, in XXXX, AZ out right, for 4 years and 6 months. I am on a fixed income on XXXX, social security. I have gone to XXXX or XXXX lenders, such as JP Morgan chase, XXXX XXXX XXXX XXXX, I have also inquired through lending tree.com and have had no luck in obtaining a Home Equity line or credit. I need a small amount of money to pay out my debt and this way, I can just have the bank to pay off, however, everyone wants to blame my credit scores, for which are not too bad, but although not as before my XXXX, I firmly believe that I should still be able to be approved for something. Everytime I discuss this with other people in the industry, I hear the same thing..illegal practices via discriminatory lending. Well, JP Morgan chase now also has taken my social security funds and have me on a XXXX right now because they keep insisting that an urgent care company insisted that I ran up a bill of {$150.00} for which I did not. I had my health insurance company also call their claims department to verify that I was wrongfully charged and that they were going to submit a cease and decist letter to the urgent care office which keeps dipping into my account without my consent. The bank clearly knows that my direct deposit comes directly through via social security and yet, they are not protecting my funds and also trying to accumulate interest and late fees on top of that too. I am furious, broke, I have bills piling up and now I have no more money for food for the rest of this month for XXXX. my son lost his job and we are in dyre need. Chase also was responsible for having me lose XXXX 3 years ago from an investment made to XXXX XXXX and never fully had any explanations for my losses. I am suffering with this because Now and rainy day monies I may have had, is completely gone because of them and now they are still doing this and getting away with it. Can someone please tell me who can help me with this problem and what are my chances on getting this dilemma settled.?? I pay all my creditors every month, with the exception of a few creditors because of this situation that has put me on the brink of unable to also being able to claim bankruptcy. I can not lose my home, which is, fully paid for outright just because of medical bills or creditors that were also conducting predatory lending knowing I was on XXXX but still sending me credit cards. I really need help with this. Why ca n't a XXXX single mother get a fair amount of a Home equity line of credit just to help me get back enough where I can breathe and sleep better at night? I can not file for bankruptcy because this state will force me to sell my house because they can only protect a certain amount of value of XXXX. My house has gone up in value, but I am in no position to move and I should not have to be put out just because of the unfairness of these lenders and these states that are failing to protect us fairly. please, please tell me where I can go for help? 
sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-24
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Credit Service Company, INC (CO)

A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (LA)

This is the second time this has happened to me. 
I received my monthly statement from home depot which has a due date on the XXXX day of the next month. I usually pay at the local store on or before the XXXX of the month, However, i paid by us mail on XX/XX/2017 for the due date of XX/XX/2017, total bill of {$27.00}. On XX/XX/2017 I received a notice that my account had been assessed a {$26.00}. late fee plus {$1.00}. interest. The {$27.00} was posted XX/XX/2017. 10 days from XXXX XXXX to XXXX XXXX -- XXXX did better. . interest on what???
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MI)

Date Reported to XXXX XXXX XXXX : XX/XX/2024 Account Number : XXXX Action Taken : Opt Out Letter sent on XX/XX/2024 Balance : {$3100.00} The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling my information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). As a consumer, I have the right to control my information, as outlined in the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 ). This act mandates that financial institutions, which may include XXXX XXXX under FCRA definitions ( 15 U.S.C. 1681a ( e ) ( 2 ) ), must protect my non-public personal information and obtain my written consent before sharing it with non-affiliated third parties ( 15 U.S.C. 6802 ( b ) ). 

Since XXXX XXXX never obtained my written consent to furnish my information, and I have revoked any prior consent ( verbal, non-verbal, written, implied ), their actions violate the FCRA and GLBA. I have the right to opt-out of information sharing at any time under GLBA regulations ( 12 CFR 1016.7 ). Their failure to inform me of this right further strengthens my argument. 

Furthermore, because the reported account XXXX is an adverse item and XXXX XXXX has continued reporting it without my permission, it is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). The FCRA requires consumer reporting agencies to maintain procedures to avoid such violations and limit report sharing to permissible purposes ( 15 U.S.C. 1681e ).
Consumer complaint received 2015-08-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.
Consumer complaint received 2015-08-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

In 2014 I lost my job and am now in a new job making {$XXXX} less per year. My wife and I have struggled to adjust our budget accordingly. I have been faithful in paying my mortgage every month. We are now looking for relief from a payment of {$1200.00} per month based on a salary that was {$XXXX} per year greater.
Consumer complaint received 2019-02-26
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. (AL)

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX  XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (KY)

My home mortgage was with CitiFinancial and Iwas never late on a payment. I refinanced with XXXX XXXX, who paid off my CitiFinancial mortgage on XXXX XXXX, 2015. CitiFinancial cashed the XXXX XXXX payoff check on XXXX XXXX, 2015. On that same day, XXXX XXXX, CitiFinancial took an additional mortgage payment from my bank account, an overpayment of over {$1600.00}. XXXX XXXX and I are attempting to resolve the overpayment with no success with customer service at the CitiFinancial XXXX office. The customer service representative is " XXXX. '' XXXX is not cooperative and crass. 
Today, XXXX XXXX, 2015, I received a CitiFinancial letter from XXXX XXXX XXXX, XXXX Center Manager. The letter begins : If the present delinquent condition of your account is not corrected, it could result in foreclosure and the eventual sale of your home to satisfy this debt. 
CitiFinancial is threatening to foreclosure on a customer who has never had a late payment, from whom they collected an overpayment, and they cashed the XXXX XXXX check closing the CitiFinancial account on XXXX XXXX. 
Your kind attention to this matter is greatly appreciated. 
XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2024, three fraudulent purchases were made with my GAP credit card, which is provided by Barclays. I was able to cancel/reverse 2 of the 3 transactions but not the 3rd. I have called Barclays three time to try to resolve the issue, but it is still showing that I owe a balance. I have reported the charges as fraud multiple times and Barclays is refusing to acknowledge this.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (OH)

Company name hunter warfield amount attempted to collect is {$2000.00} dates appeared on credit agencies  XXXX   XXXX ,2017. Balance is invalid coming from a previous apartment complex that I moved out of and put in a 30 day notice due to someone repeating breaking into my home, called the police several times due to the break ins. I have spoken to the  landlord and was informed that the balance will be taken care of due to the circumstances of why I moved out. Hunter warfield continues to call me after I have explained that the situation has been taken care of and the rental company will be contacting them. They call everyday all day from different numbers. They are   XXXX   my life with the calls as if the break ins was n't enough  XXXX . Just want it to st op so I can move on.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TN)

Have been working with you and Equifax many months. Several items have finally been removed. I have requested several times a corrected, updated copy of my credit report and score but still have not received it. 

SEND MY CORRECTED/UPDATED COPY OF CREDIT REPORT WITH SCORE
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (VA)

I fell behind. On my car note I was starting a new job. I spoke to an advocate at Mercedes-Benz . She stated that II fell behind. On my car note I was starting a new job. I spoke to a advocate at Mercedes-Benz . She stated that I had a certain amount of days to make a payment or try to catch up. But within the timeframe that I was given, the car was picked up from my job site with a lot of personal items inside the vehicle I still do not have possession of the vehicle full amount of the loan is still on my credit report and I was told that the vehicle was sold in an auction, but I received no paperwork, and the balance is not reflected as to that on my credit report
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Despite spending the better part of two days trying to communicate with Experian, I still can not communicate with a real individual. As a result, I am locked out of my credit report, my credit is frozen and I can not proceed with the purchase of a new car. On several occasions, the automated system said it couldnt transfer me to a live agent. The issue is incredibly simple in my case I have a new phone number, so the extra security protocols do not let me access my account and it would take only minutes to resolve the issue. Given the importance of credit reporting agencies and their gatekeeping function, it is astounding that they have so walled-off access to real agents. 

For reference, I am a XXXXXXXX XXXX who generally understands how to find right person to contact in these situations.
Consumer complaint received 2019-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a mortgage with XXXX XXXX and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the XXXX XXXX has saw fit to remove this from MY credit history and refuses to put it back on, the Transunion Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since the last 8 months I am being charged a monthly fee on my Bank of America savings account.     I have been Bank of Ameri ca Checking account customer for almost 22 years and have had a Savings account sin ce around 10 years. I have never had a monthly fee charged for these years excep t the one  they started 8 months back.     I visited the  XXXX  BofA branch today (  XXXX / XXXX /  XXXX   ) and I was told that the fees are charged as I did not meet the conditions of my account. But when asked, the br  anch manager could not produce the original agreement I signed with these so called conditions.
They are doing a bait and switch. A condition get put on my account without any notification to me of the same. Instead of producing the paperwork and accepting there was a change in account requirement, the manager is questioning me why I did not come earlier. This is looting in broad daylight - ready to stiff even a long tenured customer!!!
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-02-26
Product: Mortgage — VA mortgage
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: Mr. Cooper Group Inc. (MO)

As a veteran, I feel XXXX XXXX XXXX is no help to us veterans on VA loans programs. 

After a bad car accident and a huge stack of medical bills, we completed our application and was granted a VA Forbearance program. Under the program we were not suppose to be charged late fees, or any late payments reported to the credit bureau. We successfully completed the special VA Forbearance program only for XXXX XXXX XXXX to ruin our credit by reporting late payments to the credit bureau which was not part of the forbearance program. 

We even offered to make partial payments during the special forbearance program and all were refused. We notified them many times that we were making arrangements to bring the loan current and they refused to waive their late payment charges and took rapid action to foreclose on our property. 

They processed a rapid foreclosure even after notifying them that we would be bringing the loan current. They rushed into foreclosure without any discussion with us and the first time we knew about it was when the county notified us of the date. 

We finally convinced them to take our payment to bring the loan current only for them to later sell our mortgage to XXXX XXXX  XXXX dba Mr. Cooper probably to avoid the headaches and press about their underhanded process. 

We sincerely hope that no one else is treated this way by XXXX XXXX XXXX or any other lender.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

CFPB Case # XXXX regarding CareCredit ending XXXX did not see Care Credit Corporate response until after I submitted my dispute. I would like to add the following response to my file please. I have faxed CareCredit with the dispute today and also sent response to Corporate Consumer Relations XXXX XXXX XXXX. Again I am very disappointed as she did not return my calls after XXXX and I believe Care Credit has NOT been fair in their responses to me or verifying the XXXX claims for treatment that I did not authorize or receive. 
Thanks you Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NY)

I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late. 

I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.