davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I have been a victim of identity thief for 4 1/2 years now. I have been reported by XXXX and XXXX and I was n't not able to open the account for very long time. 
I tried to solve the problem with XXXX XXXX, Chase, XXXX XXXX XXXX through out the whole time and they have been saying I need to wait XXXX-48 hours everytime I call and find the status. that XXXX48 hours have became over 4 years and still not have been solved. 
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to, and they can not tell me what the reason is '' and they also said " they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue, and have my normal life back.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Cochren Bailey & Associates, LLC (TX)

These people call 3 to 5 times a week, they do n't mention a person to be contacted, just that if we do not contact them the " matter which they do not mention '' is going to go into litigation. I know this is a scam! STOP THEM! the number to contact them is as follows.XXXX Apparently I am not the only one. there have been numerous complaints about this number on the net trying to collect money for charges or accounts that never existed.
Consumer complaint received 2020-10-16
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: FC HoldCo LLC (IL)

The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. Flagship LLC # XXXX First you published inaccurate
balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with flagship LLC. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally

XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications. I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match.

XXXX XXXX  # XXXX  First you published inaccurate balances of XXXX  and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent. 
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower. 
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity. 
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I disputed to XXXX, XXXX and Equifax the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state XXXX to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but XXXX and Equifax continue to not delete the item from my credit report.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I was pressured into student loans by XXXX for a for profit school that is no longer in business. I was XXXX at the time of the initial conversation. My step father consigned. The loan was initially for XXXX dollars, and 12 years and XXXX dollars later the amount due is at XXXX dollars. The education I received from this loan has not benefitted me at a single point in my life and making payments on the loan have caused me to make decisions in life I would have not made should the loan not never existed, and I blame my XXXX on this financial burden. XXXX has robbed me of my livelihood and continue to rob me of the money I work for to this day. These loans have also caused serious tension between my parents and I due to my inability to pay at times. They do nothing to help except offer forbearance. And they only ever day " these are the terms that were agreed to ''. This company has successfully crippled an entire generation.
Consumer complaint received 2015-10-13
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc. (WA)

I received a call on Friday from Renton Collections saying this was their XXXX attempt to collect a debt. I had not received any notices so asked that they send me the information as I was not willing to pay something without doing my due diligence to make sure it was handled appropriately. The supposed manager got extremely rude, was telling me to just pay the debt and was completely hostile. Keep in mind I had just paid a {$1200.00} bill that was removed from their queue because it had been wrongly sent through our insurance. I wanted to insure this was billed properly since I had n't received notice, not to avoid payment and she continued with the verbal abuse. When I asked to speak to her manager she informed me she was the manager and the only other person above her was the owner and they would n't send me to them. I have no issue paying a bill I owe, but wont just send someone money without any sort of paper trail. Extremely unprofessional and after reading all the similar complaints online, I ca n't believe they are allowed to be in business. Verbal abuse is not ok.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

We signed a purchase contract for a new house on XX/XX/XXXX with tripointe homes. I was told by the sales rep that they had an in house lender ( tripointe connect ) which is partly owned by Loan Depot, and would receive a lender incentive toward closing costs of {$7500.00}. I spoke with a loan officer who quoted me a rate of 2.99 % with no points on a 30 year fixed rate mortgage. We called around to other lenders and all including tripointe connect were within .125 % of each other. We elected to use tripointe connect to take advantage of the {$7500.00} incentive. We were told that the longest lock available was 6 months and would include a one time rate float down that could only be done within 45 days of closing. Until then the rate would be floating. In XXXX we locked the loan for 6 months at 3.25 % with a rate adjustment of .25 % to account for the 6 month lock. Therefore our rate was locked at 3.5 % with an anticipated closing date of XX/XX/XXXX. The 6 month lock gave us extra time to account for any delays. Our lock expiration was XX/XX/XXXX. On XX/XX/XXXX We contacted the loan officer to see inquire about excersising the one time float down. We were told that rates had risen and were above 3.5 %. Loan Derpot 's rate sheets were available on the internet and showed that we should have been able to float down to 2.99 % with no points. I asked why we weren't being quoted the 2.99 % rate that we were qualified to have. We were told that the branch manager would contact us to discuss our concerns. When the branch manager called he told us that I wasn't understanding what I was reading. I was in the mortgage business for several years and understood perfectly how to read any rate sheet. Our belief is that we were quoted a low rate to entice us to to use tripointe connect. Once we were contractually obligated to use the in house lender there was no longer an obligation to quote a proper rate. They had no idea that there rate sheets were available to the public. We believe this is an ongoing problem with this lender that could effect hundreds if not thousands of borrowers. We believe that their actions constitute fraud and a violation of the fair lending act. We have attached a copy of the rate sheet for the date that we contacted the loan officer regarding the float down/
Consumer complaint received 2020-11-26
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. (VA)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I have a few not authorized or fraudulent inquiries on my EQUIFAX credit report. I have tried on many occasions to have the inquiries investigated and removed online and in less than 30 minutes get the response from Equifax that they have investigated the fraudulent and or not authorized inquiries and that they will remain because they are true record. I happen to call EQUIFAX on XXXX XXXX, 2016 and explained my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not dispute inquiries at all and that I should call the bank that placed the inquiry to have them remove it. I explained to XXXX that I had already called the bank and that they no longer had the account application and that I needed to file a dispute with EQUIFAX. XXXX CSR then called a supervisor named XXXX to try to help. After explaining the situation to the supervisor she said she could n't help me in disputing the inquiries because EQUIFAX new policy is to not dispute inquiries. So i explained to XXXX how does EQUIFAX protect the consumer from fraudulent inquiries. She then stated that I can put a Fraud alert on my file, but in my case how did she know that I am just calling in to try to remove inquiries I had placed on my own file as being fraudulent, implying that I was applying for credit and then calling EQUIFAX to have them disputed. At that point i decided to end the call and file a complaint with CFPB for further assistance. Attached is a pdf of most recent credit report from all XXXX credit bureaus showing the inquiries listed. The ones circled in red are the inquiries I am disputing as being fraudulent and not authorized.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

One week ago, I applied and was approved for a {$5000.00} payroll business loan through XXXX by PayPal. I requested the funds to be wire transferred to a third party bank, XXXX XXXX Bank, due to my bank, XXXX XXXX XXXX, uses this third party to receive the funds. I provided the document that has specific instructions for the transfer to the Account XXXX XXXX, XXXX XXXX XXXX He informed me that he can not perform it and that I will need to do it myself via PayPal app. I put XXXX information where appropriate. I chose to have it within XXXX hours. Everyday since, nobody has seen the transfer. Not XXXX nor XXXX. PayPal keeps saying they don't know where the money went and that it must have been something I did incorrectly. I have asked twice to show me proof that it left PayPal 's account and went anywhere. Not only have they not provided any evidence but they will not comment on showing proof. I need help.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NORTHWEST BANCSHARES INC (OH)

I was charged a Title fee in my paperwork from the dealership. The bank Northwest actually holds the tile but want me to pay this fee again to get a replacement Title.

If I am to pay this Title fee again Northwest Bank will need to refund me {$15.00}. I paid this fee once Northwest Bank is in procession of my original title.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MS)

XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase/Southwest credit card with a {$0.00} balance balloon to a balance of ( {$320.00} ) without any charge being made. 
Being paperless statements, I got my first overdraft notice after 4 months. I immediately called Chase Bank Customer Service in XX/XX/2022 and pointed out that I had placed no charges on the card. They agreed then to close the card. 
In XX/XX/2022, I received another overdraft notice and immediately called Chase Bank Customer Service. They again looked at the record and agreed that I had made no charges on the card and agreed to close the card. 
In XXXX, I sent 4+ messages to Chase pointing out that I had made no charges on the card and that Customer Service had twice said they would close the card. The card has now been sent to Collections. 

I feel preyed upon and elder abused in that a card with a {$0.00} balance turns with fees and charges into a stealthy money maker for Chase/Southwest .
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX XXXX sent to collections {$680.00}, now XXXX XXXX  XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX sent to collections {$680.00}, now XXXX XXXX XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (FL)

I am continuously receiving phone calls throughout the day from a company by the alleged name of National Credit Adjusters. They continue to leave some sort of robotic like message stating that they are attempting to collect on a debt. Sounded very suspicious in nature. The recording sounded foreign like, with broken XXXX.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

on XXXX/XXXX/2013 my wife and I closed a short sale on a condo mortgaged by Chase Bank. Until that time we had faithfully made our mortgage payments including the final payment made on XXXX/XXXX/2013. Recently I changed auto insurance, and was informed that I did not qualify for their lower premium because of a Derogatory late payment status date XXXX. 
Description : '' A payment status of 30 days late ( or worse ) was reported 2 years and 1 month ago. ( This excludes accounts for which the payment history was not reported. ) ''
Consumer complaint received 2022-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

I think the private loans from Navient need to be forgiven. XXXX XXXX is no longer a school and I have an Outrageous amount of student loan debt. I was lied to. I was promised job placement after I graduated and had no help. I am not using the degree I am paying for. I had to have a co signer while attending school on a loan or I couldn't continue so I got someone he signed for 1 loan and ended up with several in his name. I also got married before I graduated and the financial aide personal didn't want to change any paperwork. This school was shady and the loan company was. The school was not accredited and I am unable to further my education. I pretty much have to start all over again. 

My email address is XXXX.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I XXXX XXXX was under a forbearance under my mortgage company Carrington Mortgage from XXXX to XXXX. It was then auto renewed automaticity without me knowing. Although I continued to make payments the forbearance was still reported on credit report. I am trying to now close on a home and because of the second forbearance being reported I can not close.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NC)

Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company.