davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I wrote a check to the Internal Revenue Service on XX/XX/XXXX. It was properly cashed by the IRS on XX/XX/XXXX. My check and account is with Chase Bank. 

Two years later, on XX/XX/XXXX, the exact check ( now altered on the back ) was hand endorsed and improperly cashed at a XXXX  XXXX XXXX Branch ( unknown location ) without proper identification being presented. 

My bookkeeper had no reason to suspect any foul play as it is not uncommon for me to write checks to the IRS and since it was two years later, even the check numbers didn't seem odd since check numbers rotate through and I have several checking accounts with Chase. 

When my CPA was doing my XX/XX/XXXX Taxes, it was noted that there was a discrepency in my books of {$870.00} ( the amount of the check ). Upon a deeper look and investigation of the front and back of the cancelled check, only then were we able to see that the check had in fact been altered. This finding took place on or about XX/XX/XXXX, 1 year and 2 months after the XXXX  XXXX XXXX and Chase claim a statute of limitations on fraud. They now claim I am unable to get my money back from either institutution. 

My claim is as follows : 1. XXXX  XXXX XXXX should NEVER have allowed a check made payable to the Internal Revenue Service to be CASHED by an individual. The IRS doesn't cash checks. This was NEGLIGENCE on the part of XXXX and they are hiding behind a 1 year statute of limitations clause that I think any judge would throw out due to the negligence of the Bank and it's employees in this matter. 

2. Chase Bank is insured for loss. I am not. That's why I bank with an FDIC bank. I have held and transferred millions of dollars through Chase as I have been with the company for over 30 years, having my business and personal accounts with them all of that time. For them to deny an {$870.00} claim is unphathomable considering how long I have been a loyal customer. 

I want this matter resolved in my favor and am not going to stop until it is. I am prepared to go on social media, picket the banks if necessary and close all of my accounts if I am not treated properly in this regard. {$870.00} will not hurt the bank. It hurts me financially to lose this money because of a technical issue of me not finding the bank 's error in time. 

I am prepared to do whatever necessary to recover my losses, including, if necessary, go after XXXX for Negligence, Fraud and potentially even employee collusion.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (LA)

My name is XXXX XXXX and I have a mortgage loan with U.S. Bank Home Mortgage. A natural disaster occurred on XXXX XXXX, XXXX and XXXX XXXX gave a check with my name and U.S. Bank Home Mortgage for {$6400.00}. The contractors that repaired my home is XXXX XXXX and U.S. Bank Home Mortgage is refusing to pay the construction company for the materials and labor that was purchased out of the construction company budget. My home had damage from Hurricane XXXX and I was given Road Home and FEMA grants to place a new roof, the storm windows, air conditioning unit and repair the fence around the home. U.S. Bank Home Mortgage is withholding the money that belongs to the construction company. XXXX XXXX bought the material to repair my home and had XXXX employees that worked on my house for two days and U.S. Bank Home Mortgage is refusing to give the construction company the money from XXXX XXXX for the repairs of the home. The company bought all materials and use their employees and U.S. Bank is holding on to the repair money for themselves and the work on my home is completed. I am sending the receipts from the money I received from FEMA and Road Home to prove the claims the U.S. Bank did not sell me a new roof, fence and the XXXX building my husband and I add ten years ago. When I pay U.S. Bank every month it is only for the XXXX building I was sold in XXXX XXXX. They did not sell me the fence I added to the property, I added XXXX storm doors in the front and back of the home, air conditioning unit and the check they are holding is the money that the government gave me through grants from Hurricane XXXX. U.S. Bank is an evil company and is refusing to pay XXXX XXXX for the work and materials that they paid out of the company budget. THEY STOLE THE MONEY AND REFUSING TO PAY THE CONSTRUCTION COMPANY. The construction company is threatening to sue me and U.S. Bank Home Mortgage for not paying them the money for the tornado damages and repairs on the home.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (KS)

There is a Company for cryptocurrency trading platform called XXXX. 
I transferred money from XXXX and XXXX to the XXXX platform for trading. 
I built up over XXXX on this platform, recently due to a minor mistake, they froze my account totally and won't let me use my money for trading or withdrawing until I pay them XXXX dollars more. I want to report this scam or fraud for investigation. They are bulling me for an extra XXXX for no good reasons, If I don't pay them in 5 days they will take over the account and will delete my account, and will own all my funds. 
Please help me and I don't know what to do with this company. I was introduced to the company by my XXXX friend from XXXX XXXX who had never met her in person. Her name is XXXX XXXX and she claimed she is living in XXXX XXXX with her daughter XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2017-03-01
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (VA)

I have a federal debt that was taken out through XXXX at the time, which is now XXXX. The federal disbursement was through XXXX from what XXXX has told me. I was unable to keep up with this loan and it ended up in collections with GC Services, I was told by XXXX that I paid off my federal loan and it is no longer owed to them. However when I call GC Services they still say I owe {$13000.00} ( Estimated ), when on my XXXX account it says I have paid more than {$14000.00} ( estimated ). I just want my wage garnishment to stop and to know where the {$14000.00} has gone to.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I never have used another name besides XXXX XXXX, I keep seeing many versions of XXXX and getting offers for credit card : XXXX XXXX XXXX XXXX XXXX I also see a wrong address I have never been at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ... May we correct this? It worries me.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

Opened collection XX/XX/2013 when I was XXXX about a gym membership that was in my mothers name not mine. Have never once sent me any information but is on my credit score. Have looked at reviews on this collection and reviews say it 's fraud all asking for the same amount of {$310.00}.
Consumer complaint received 2020-07-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (NC)

Homepoint Financial is supposed to be handling the closing of our home on XX/XX/20 and they have not communicated or completed our closing process. Our real estate agent, title company representative, and the settlement lawyer have tried contacting Homepoint through email and by telephone over the past month and have received minimal responses. We have sent the same requested documentation multiple times and then are told we have to send the information again. The level of incompetence and mishandling of information is overwhelming and has caused our family undue hardship both financially and physically. Homepoint Financial needs to be held accountable for their completely unethical and incompetent handling of financial and personal information. We would hate to have another family go through what we have experienced with Homepoint Financial.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (CA)

Capital Management Service LP RE # XXXX ( XXXX ) On XX/XX/2016 I send a debt validation letter CMR # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed CMR # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (AR)

I submitted a payment with Berkley XXXX for XXXX on XXXX/XXXX/2015 through my credit union checking account. The payment confirms the last XXXX of the checking account number. My bank informed me that XXXX tried to run it through my savings account. The payment was declined and I was accessed a fee by my bank. My bank waived the fee as the fault was not mine and informed me I needed to contact visa and tell them to be sure to rerun it as a checking account. After numerous calls to Berkley all I get is that the payment was honored, they did not submit it through savings, and there is nothing they can do. The fact that the calling center is out of the country is only compounding the problem. I offered to resubmit the payment on my debit card if they would cancel the other payment. They said they could not do that. So at this point I am going to be assessed nsf and late fees on my credit card as well as be reported last to the credit bureau through no fault of my own.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

My husband & I applied for a XXXX Loan Modification that was approved in XXXX XXXX with XXXX XXXX XXXX. In XXXX XXXX we had trouble making the monthly payment due to a 2 week lag in pay due to a change in my job. We made a pmt of {$750.00} towards my {$1900.00} pmt by the beginning of XXXX to show good faith. Yet we received a Notice of Intention to Foreclose by XXXX XXXX. Then we made another partial pmt and again received a Notice of Intent to Foreclose the following month with 'legal fee ' of almost {$1000.00} added on. I contacted XXXX almost daily trying to find a way to bring the acct. current but I was told the total amount due including the legal fees were required and they would n't stop the foreclosure process until we paid the full amount including the attached new legal fees. Then they told me they WOULD NOT accept any partial pmts ; this all happened in a 3 month period. Frantic, we borrowed the money from my grandmother & paid the entire amount XXXX demanded. We were very upset at the time that after missing a partial pmt in XXXX, that XXXX would start foreclosure the following month and add on legal fees so quickly but, we felt completely helpless and at the mercy of XXXX. We can admit when wrong and we were wrong by making only the partial payment late but we were trying to make every effort to become current right away and we were trying to make partial payments to show good faith. Once the legal fees were attached, it was becoming impossible to catch up. I will remind you this all took place within a 2-3 months while we were still trying to making partial pmts. Anyway, once we borrowed the money to bring the acct current, we decided to put the whole disaster behind us. 
My problem now and questions are .... In XXXX XXXX sold our mortgage to Greentree XXXX Ditech. We received a letter from Greentree in XXXX XXXX informing us were eligible for the Pay for Performance incentive under XXXX. but then in XXXX XXXX Ditech sent a letter stating after an audit of our account we are actually ineligible for any of the incentives because XXXX told them we were 90+ days late back in XXXX. Ditech has now reversed XXXX credits we 've already received from a different incentive adding {$2000.00} to our principal balance and we are n't eligible for the {$5000.00} credit as well now. I have done some research and understand the incentive to be ineligible if : The borrower misses XXXX consecutive payments following the executions of the XXXX modification. ( That is, XXXX monthly payments are due and un-paid on the last day of the third month ) the, I would be considered ineligible for any of the incentives. We feel like we are being given the run-around and no one will give us straight answers. We were never 90 days pat due with XXXX in XXXX and we feel they were starting foreclosure proceeding very prematurely!!! Can you help?
Consumer complaint received 2023-03-16
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: I.C. System, Inc. (GA)

I have a collection on my credit from I C Systems. When I called, they said theyre a vetinary collection agency and theres a collection from banfield for {$630.00} of unpaid vet fees. I do not have a PET, so I am lost and confused on why I have vet bills. Ive never even been to a vet. This is inaccurate.
Consumer complaint received 2015-07-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?
Consumer complaint received 2022-02-07
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. (NJ)

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. Will you please remove from my Experian and XXXX report.
Consumer complaint received 2016-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MD)

I 've been trying to submit at economic hardship deferment since XX/XX/XXXX and have sent them via email my paperwork including pay stubs. I gey a receipt that they 've received it but when I call they have no record of it. I 've also usually made my payments using my debit visa ans apparently that 's changed because 2 payments ( with interest added of course ) were rejected and I was told over the phone I have to use my routing and account numbers. XXXX is an awful customer service rep. She set up a second deferment/forbearance request but could n't or did n't access my pay stubs and now my loan is in default. If there 's a way to consolidate my XXXX loans into XXXX with another company I 'd be willing to pay a higher interest rate because ACS is a TERRIBLE company to deal with and their people either do n't care or are n't trained well or both.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Intelliloan, Inc (CA)

In XXXX of XXXX I received a new escrow analysis for my conventional loan dated XX/XX/XXXX On this analysis they reported that my homeowners insurance was going to be {$11000.00} for the following year. It is actually {$1100.00} per year. This error in accounting by the servicer resulted in the monthly payment more than doubling effective XX/XX/XXXX. On XX/XX/XXXX I called Intelliloan the servicer for my loan and we had a three way call with my insurance Agent from XXXX. We explained and he faxed them the actual premium showing it is not {$11000.00} it is {$1100.00}. I explained that I could not afford the new mortgage payment as I am on fixed income. XXXX with Intelliloan admitted it was a mistake and said they would fix but that I must make the higher payment until they straightened it out. I again explained I could not afford the higher payment. My previous payment had been {$1300.00}. They want me to pay {$2700.00}. I paid {$1300.00} in XXXX and called them again to explain the issue. A supervisor, XXXX told me the new payment would be {$1300.00} and she would accept the payment and put a note on the file. I paid {$1300.00} in XXXX. This amount has put in suspense and they sent me my XXXX payment coupon showing I owe {$1300.00} for XXXX and I owe a past due amount of XXXX plus late fees. In a phone conversation with them they told be to just pay the past due and they would refund it to me later. I again explained that I do not have the money to pay it.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (MD)

Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (MI)

Good afternoon to whom it might concern ; I have a collection of an unknown bill that I did not take or do. Is IC SYSTEM it also says XXXX XXXX XXXX XXXX  and is for XXXX dollars. By law this company is reporting an account that was open fraudulently and I ask transition to erase it because they cant verify what I never open and by law Im trying to get a mortgage and is hurting my credit and not allowing me to get a mortgage and XXXX just lost a XXXX for doing This to customers and abusing and reporting wrong and fraudulent information and this is a second  year that I can not get a house for XXXX and the companies named above using my private information hurting me and abusing me. I will legally this time take actions because they have no rights to use fraudulent Information and placing it on my credit report without my consent.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frederick J. Hanna & Associates, P.C. (closed) (MD)

I have received repetitive telephone calls to my home phone from XXXX. The caller states their name followed by " this line is recorded. '' I immediately interrupt the caller and tell them they do not have my permission to record the phone call, nor will they ever have my permission.. The callers continue talking anyway. I advise the callers they are in violation of XXXX wiretap laws by continuing to talk. The callers still continue to talk. I hang up. 

I have received calls from this number 5 times in the last 10 days. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX. 

I am not the person the caller 's are asking for. I live alone. 

A google search reveals the following for the above listed telephone number.Law offices of Frederick J Hanna and Associates.XXXX, XXXX , XXXX.XXXX.XXXX. I do not know if business information is accurate. Please verify. 

I hearby authorize the Bureau of Consumer Financial Protection to file criminal and or civil charges against both the individual callers as well as the business ( whoever the business is ) for harassment and violation of XXXX wiretap laws.
Consumer complaint received 2023-03-16
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. (TX)

In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

15 U.S.C 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-16
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: FORD MOTOR CREDIT CO. (NC)

15 USC 1681 Sectiin 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 it also statr thatconsumet report agencies can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit account XXXX open end consumer credit plans late for any purpose. 

XXXX Account Ford