davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I am a XXXX representing a seller involved of the short sale of th their property. The second lien holder ( a member of the HAMP and HAFA ) program is refusing to approve acceptance of the short sale with the amount of {$12000.00}. afforded to them by the first lienholder in compliance with HAFA rules. Instead, they are using this as an opportunity to collect a debt for much more than that ( {$41000.00} ). 
I have written them and talked to them on several occasions and they have advised me that the loan has been charged off. In my point of view, they are in violation of HAFA guidelines.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Arbor Residential Mortgage LLC (MA)

XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, Chase contacted my wife about suspicious purchases on our joint credit card. Chase asked if we had purchased a little over {$8000.00} worth of items from XXXX XXXX. My wife confirmed that we did not make the purchases, and that this was a case of fraud. We then closed that credit card with Chase, and were sent a new card. 

On XX/XX/XXXX, Chase contacted my wife and said they had concluded their investigation into the fraud claim and that XXXX XXXX said the items were sent to our home address. We told Chase that this was untrue -- we never made the charges, nor did we ever receive any items. We told Chase we didn't even know what items were purchased. We asked Chase where the purchases were made -- they told us it was at a XXXX XXXX location in XXXX XXXX XXXX -- and we told them we had not visited a XXXX XXXX store in years. We also told Chase that we have made purchases from XXXX XXXX ( all online ) prior and subsequent to the fraudulent purchases on XX/XX/XXXX. We also confirmed that XXXX XXXX would have my wife 's name and address on file because of the other purchases. Chase said they would re-investigate the situation. 

On XX/XX/XXXX, we saw that all of the fraudulent charges were put back on our credit card, dates as purchases made on XX/XX/XXXX. In addition, we received a letter on our account from Chase explaining the amounts were being applied to or account because " You received benefit from this transaction ''. This is wholly untrue, of course, as we have nothing to do with the transaction. We called Chase to resolve the case, but were passed on to the disputes department who could not help us, and were told that we should call the fraud department again ( even though they had already ignored our report the day before, and applied the amounts to our card ). Meanwhile, there is a more than {$8000.00} charge sitting on our account gathering interest... 

Overall, we are absolutely shocked at our treatment by Chase, both because they have imposed this huge charge on our account ( which is essentially seeking to reward criminal activity ), and also because they are in effect accusing myself and my wife of being lying fraudsters. As a long-standing customers of theirs, it feels even more personal.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. ()

I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in XXXX navigate the website for me while I was skyping him and we could n't get through the security questions for Experian and XXXX. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from Experian and XXXX, this is the XXXX time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a XXXX so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NH)

Chase has a credit card labeled Chase Sapphire Reserve. I have applied for the credit card and was rejected due to having too many cards opened in the last 12 months. They wouldnt tell me how many " too many '' was. My credit is clear and I have been a customer of Chase for over a decade. I asked them not to increase their credit exposure by reducing the limits on one of my other cards ( total of {$34000.00} ) and they would not stating only that too many cards were open. I do n't understand why if their exposure is unchanged they are able to deny me a superior product advertised to present clients.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested capital one auto XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

In my divorce papers my ex-husband assumed all debt and responsibility for the XXXX XXXX that is in both of our names. I requested that Ally Financial ( lender ) remove me from the loan account/debt as mentioned in the court documents and order acknowledging it to them. Yet they have declined to remove me and his lack of payment is affecting my credit which the court order mentions should not be happening since he assumed full responsibility in XX/XX/2023.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EMCC Holdings, LLC (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Flexible Finance, Inc. (FL)

Flexible Finance is an app that utlilizes a line of credit through XXXX XXXX XXXX  XXXX. to assist renters in paying their rent by splitting the rent payment in half. 

I attempted to close my line of credit with them following the instructions provided in the app, essentially pausing automatic my automatic payments to them. The app does not provide a way to terminate your relationship with the creditor and provides instructions on how to stop payments by " pausing '' on the app. The company does not adequately disclose that this does not terminate your credit relationship. I " paused '' my relationship with them in Late XXXX of 2023. 

I was not provided a statement of balances XX/XX/XXXX as required by law for open lines of credit, so I thought that my credit line had been closed. 

I was also issued an update to terms statement on XX/XX/XXXX ( confirming i still had an open line of credit with them ) and was not provided with an option to opt out and cancel my relationship them as also required by law. 

I emailed the company on XX/XX/XXXX requesting a termination of my credit line. I was emailed back an automated response on how to " pause '' payment again. I immediately responded and requested that the relationship be terminated. I was emailed an automatic response stating to submit questions via a form on the website. I was emailing XXXX XXXX XXXXXXXX which is the email listed and provided in the relationship and credit line agreement as the only method of contact to submit a request for termination of your relationship with them. I have not received a response from them regarding my cancellation request other than that the automated statement that it will be ignored and the ticket closed unless I submit a request through their app. 

I have also emailed them requesting my balance amount and have received no response. My last statement from XX/XX/XXXX shows a negative balance of XXXX and I have emailed them inquiring about this as well. 

This company does not respond to inquiries. 

I would like this resolved
Consumer complaint received 2022-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (AL)

I currently have an account with Net Credit and I was told that I was in collections due to a past due amount. However, in their system it says I made the payment on the due date, and I have records from the bank. I called the company and was told they would fix it, and the issue has never been resolved. They are adding XXXX statement fees which keeps me in the same debt. I pay XXXX a month for a XXXX loan and the balance is still XXXX. I have phone recordings of the agents saying I dont owe anything but yet their forcing me to pay more and saying if I dont get the issue fixed it could be reported to the credit burues. However, how am I able to fix a issue that wasnt created on my behalf.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have sent in disputes before and did not encounter this issue, so I am very confused to say the least. 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (LA)

Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I recently pulled a copy of my credit report and noticed information in error. Credit Inquries : FCRA states that the only permisable purpose for pulling someone 's credit is a ' firm offer of credit b ) insurance c ) employment or d ) court order.The following inquiries are related to none of the aforementiond permissable purposes : XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. I have written letters and been calling for a few months and told them I did not authorize these inquiries. The responded via mail stating that were not going to do anything about it. I have been hung up on several times by their customer service even though I was nothing short of nice and professional.
Consumer complaint received 2023-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

When I started receiving phone calls from Portfolio recovery in 2020 in continually told them to stop calling me but send all correspondence by mail only but they continue call my phone at least 5 days a week even on Sundays I have yet to receive any letters showing proof they own my debt. 

I have now received a summons from the XXXX XXXX courts that they intend to sue me on behalf of A XXXX, XXXX XXXX XXXX. They have not supplied any proof that I have signed a contract with Portfolio Recovery or that they own this debt. In their proof attached to the summons it only shows an account statement from XXXX XXXX. 

Portfolio Recovery is using this tactic to receive money I do not owe them before the statute of limitations end for my state of California. 

They have not complied to the Fair Debt Collection Practices Act,
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

Capital bank is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX Bank which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (VA)

As the subprime mortgage crisis was peaking during XXXX, we relocated to XXXX in XXXX, XXXX, for employment purposes and executed a home mortgage on a residence here. With the increases in loan demand due to easy initial lending practices during that period, housing demand was sharply stimulated to exceed housing supply and, unbeknownst to me at the time, my XXXX mortgage was based on an artificially-inflated property appraisal value. 
This subprime mortgage crisis was a nationwide banking emergency that coincided with the US recession of XXXX XXXX - XXXX XXXX. In XXXX and later, financial settlements with homeowner mortgage relief components were reached with major financial institutions, regulators, and credit agencies to settle claims related to unfair, deceptive, and fraudulent predatory lending practices during this period. A list published in the XXXX XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements. 
I, like thousands of other Americans, still need your help with mortgage principal reduction programs. We 've paid every monthly payment so far, but now that I 'm recently retired, my monthly mortgage payment has become an increased burden for us at nearly XXXX percent of my monthly budget. 
In XXXX XXXX, XXXX XXXX took on HUD and FHFA for their failure to act : " These XXXX XXXX investors made money by crashing the economy, got bailed out and now they 're back to feed at the trough again, scooping up these loans at rock-bottom prices so that they profit off them a second time - and it is up to us to stop that! '' She scolded FHFA chief XXXX XXXX for postponing action on principal reduction for struggling homeowners. 
We need your help to restore the middle class and promote " true '' economic growth by returning " stolen '' money to those who were " robbed '' by greedy financial companies during the subprime mortgage crisis. You can make a real contribution to the American middle class, rather than to Wells Fargo Chief Executive XXXX XXXX 's {$19.00} XXXX in compensation by acting NOW. 
To date, I have n't received a letter, telephone call or any contact information explaining how any of these and other settlements with financial institutions, regulators, and credit agencies will provide my family with mortgage principal relief on my bloated XXXX home mortgage. I 've been contacting my elected officials about this issue for more than three years and they have been unresponsive and dismissive. Now I read in the XXXX ( XXXX XXXX, XXXX ) that accumulated US Justice Department fines from these settlements might be diverted quietly to other budgetary needs. 
Apparently the Consumer Financial Protection Bureau is our only hope. Where are all the funds from these settlements now? How can I access the funds from these settlements for mortgage principal relief? 

Attachments : 1 ) XXXX XXXX XXXX ( XXXX ) shows the Biggest Bank Settlements 2 ) XXXX XXXX, XXXX XXXX took on HUD and FHFA 3 ) XXXX ( XXXX XXXX, XXXX )