davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I did a loan modification with Chase Bank under the federal HAMP program on XXXX of XXXX, during that time, I had financial hardship and was approved for the loan modification. During the signing of the documents, I noticed a clause of a balloon amount of {$210000.00} at maturity date, I asked the processor about the clause and the answers was, not to worry, that was the accumulation of interest during the life of the loan. During the following years I called the bank to do the same questions about this balloon amount and the answer was always the same, not to worry this is the accumulated interest for the life of the loan. 
Recently I received an offer from Chase Bank to recast the loan, the bank sent documents for me to sign, I noticed the same clause, but now with additional notes, ( attached the recast documents ). In my curiosity, I called the Chase Bank to ask about this clause, but this time they informed that this was an amount that I needed it to pay if I were to sell or pay the property off. 
My Complaint is as follows, I looked to Chase Bank for help under the federal program HAMP to save my property, instead of helping me, they deceit me, with malice and purpose. From day one, their purpose was to defraud and gain from a home owner in hardship. I came in with a debt of {$360000.00} and came out with a debt of {$530000.00} just by signing this contract. Chase Bank did not help me at all, instead they defrauded me as they have done with thousands of customers. 
I plead to the federal government to put these greedy thieves in jail and make them pay for all the suffering and stress they have caused to the honorable people of this great country.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My account had become overdrawn for a short period of time and was placed with their collections department. I ended up bringing the account current and was under the impression my account was still open and able to be used. XXXX days after bringing the account current, on XX/XX/XXXX, I went into a local branch and deposited {$9000.00} cash, brining my account to a {$9000.00} balance. At the time I made the deposit, I had received no indication that there was any issue with my account, but when I attempted to use those funds later that day, all transactions were being rejected. 

Upon contacting the bank, I was informed that my account was in a " credit only '' status and I was given several answers as to how I could get access to the deposit I had just made ; however, all of them were incorrect. I was informed by their collections department that I had to go into a branch to be informed of how/when I can get access to the funds that I had JUST deposited ; but when I went into the branch, they made several calls and sent emails as I sat there for over an hour ... only to be told to go home and someone would call ... later. They were unable to tell me when that call may come through. 

MANY days later, I received a call from someone at their HQ who said they were looking into it and they would call me the following week ( today ) with more information. When they called today, they again informed me of " work '' they were doing ( or going to do ) and that they hoped to be able to contact me this Friday with more information ; and hoped that the account could be closed and hoped that a check could be cut to reconcile the balance of account. 

How is it possible that my account status could be changed and they could accept CASH funds without informing me of the change in my account status? How can they possibly accept a cash deposit on XX/XX/XXXX without informing me that I would not have access to those funds? How is it possible that they can keep me from accessing those funds for 15 days without being required to inform me of whether or not those funds will be released ; and/or when they may be released ; and/or why they are being withheld? 

They should have rejected the cash deposit or at the very least, informed me that once deposited, those funds will not be accessible until some review is conducted and the decision is put up for review.
Consumer complaint received 2020-07-12
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 — Investigation took more than 30 days
Company: Capio Partners, LLC (FL)

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

The following account is inaccurateXXXX XXXX XXXX {$200.00} The following account is inaccurateASSETCARE {$1800.00}
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month. 
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all.
Consumer complaint received 2021-04-21
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. (UNITED STATES MINOR OUTLYING ISLANDS)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except XXXX, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (TN)

I offered a settlement of {$1000.00} I turned in the police report, the estimates, all paperwork needed to have a settlement, off a settlement of {$2300.00}. I was told that because I did not have the accident., but the police report showed that I did not or was not at fault. I would like the calls ran because I was told by XXXX XXXX that everything would be fine once all documents were submitted. I find this constructive/ set up, and need actions handled. The car I own was in the accident and we were not at fault. That should not be a reason of denial. I have paid well over the 60 month agreement. These are late fees attached and 2 payments behind. I gave a fair solution were we all would come out on top.
Consumer complaint received 2017-09-27
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. (GA)

The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

starting around beginning of XX/XX/XXXX I started receiving phone calls from a company called Midland Credit Management. this company has called my parents number leaving multiple messages ( I have never used my parents number for my credit applications ). I called and spoke to a representative and explained to them that they have my contact information and that they are to only call the number for me that I have on file and to not call my parents home again. now starting XX/XX/XXXX, XX/XX/XXXX and every other day from then on they have called me and told me they were going to sue me and take me to court. they have now started calling my brother starting XX/XX/XXXX and XX/XX/XXXX 8 to 9 times a day until he finally answered and they assumed he was my husband and stated they are looking for me. I called the company again and told them that they are not allowed to call every family, friend or work to state they are looking for me. I also told the company to mail me proof and documents of the account and balance as to which I have yet to receive. then I was told I was being discriminative towards him because I refused to let him get a word in edgewise and I was very upset over the harassment they are giving my family and friends. I do not know how legally they can look for anyone associated with you and continue to call them and harass them. this company has pushed the limits with harassing calls and threats of suing me. I have done research on this company and they have horrible reviews and they are considered a third party entity. This company should be addressed and shut down for the harassments and threats they have made to numerous people. I refuse to work with a company that can not prove anything about a debt or even prove that they are legit.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

early warning services provided me with a copy of requested consumer report. Consumer # XXXX was sent. After careful review of the FCRA, FDCPA protections for consumers, early warning services is in direct violation of Title 15 UCS 1681b ( 1 ) ( 2 ) PERMISSIBLE PURPOSES. EARLY WARNING SERVICES DOES NOT HAVE A FEDERAL COURT ORDER, OR WRITTEN PERMISSION FROM THE CONSUMER TO HAVE SUCH REPORT COMPLIED AGAINST CONSUMER. EARLY WARNING SERCIVES HAVE VIOLATED PRIVACY LAWS IN REGARDS TO CONSUMER PRIVACY. 
EARLY WARNING SERVICES HAS AN AGREEMENT WITH THE INDIVIUAL BANKING INSTITUTIONS BUT NOT WITH CONSUMER. CONSUMER HAS NOT GIVEN AUTHORITY TO ANY BANKING INSTITUTIONS TO DISCLOSE ANY OF MY CONSUMER DATA. ACCORDING TO THE TERMS AND CONDITIONS AND AGREEMENTS CONSUMER MADE WITH XXXX, XXXX XXXX XXXX, XXXX ( CLOSED ) AND XXXX XXXX STATES ALL CONSUMER INFORMATION IS PROTECTED AND WILL NOT BE GIVEN TO THIRD PARTYS. EARLY WARNING SERVICES IS A 3RD PARTY COMPANY. HOLDING MY INFO IS IDENTITY THEFT AS I DID NOT GIVE PERMISSION. CONSUMER HAS RECORDED AT LOCAL COURT HOUSE A VALUE FOR ALL CONSUMERS DATA. CONSUMERS DATA IS CURRENTLY ON RECORD TO BE VALUED AT XXXX USD DOLLARS PER MIN.
Consumer complaint received 2017-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I checked my Transunion credit report and noticed there was XXXX hard inquiries. I did contact Transunion and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted Transunion to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. Transunion need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that Transunion offer to their consumers.
Consumer complaint received 2022-03-29
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 have been contacting XXXX since last year about the inaccuracies within my credit file that have not been removed from my profile. EQUIFAX IS PLAYING GAMES WITH ME!!! There are inquires on my credit report that do not belong to on my credit file that needs to be remove. I have been ignored for a whole year!! According to the FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report must be 100 percent accurate or the account have to be removed and that's the truth I PROMISE I'M NOT MAKING THIS UP!!!!! Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. LOOK IT UP ITS THE FCRA!!!
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. 
Sps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. 
someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

XXXX XXXX has no way to separately apply late fees for payments on their app or on their website. Paid the full amount including late fee and they do n't apply it properly, then send late fee notices, make calls for collections and then I say it they have been paid with my total amount. They still do n't apply the payment properly. Finally send an email to them to fix it, they communicated back they applied it properly after months. They instead added them all together, charged {$30.00}, sent me another bill to collect the late fees, when I already paid them. I called them again today and the conversation went no where. They asked me a like 10 questions about my account and they still could n't help me. It has been a terrible customer experience. 

At this point, I need help to resolve this current matter, but for the future they need have a way to appropriately apply payment amounts to the proper buckets like late fees, extra principle etc.
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NV)

Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below. 

In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues. 

1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I  was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why? 
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234? 
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices. 



XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared. 

In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX. 

When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX. 

Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard. 

TSI has refused the settlement.
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (IN)

I tried to pay off the loan but they do not accept credit cards. Very unreasonable to work with and hard to understand. On hold for long periods of time and talk to several different people to try and work with. I ca n't download my documents either
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

I am writing to you regarding a concerning discrepancy in the reporting of my credit history by Mercedes Benz Financial Services ( MBFS ) to XXXX, one of the major credit reporting agencies. My account number with MBFS is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that MBFS 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, MBFS is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by MBFS. 

Furthermore, in accordance with 15 U.S. Code 6802, MBFS is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by MBFS, as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in MBFS 's reporting. I also request that MBFS be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX