davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: Westlake Services, LLC (NC)

I purchased a XXXX Mitsubishi Montero XX/XX/XXXX. It was financed through West Lake Financial XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I found out XX/XX/XXXX that they were not reporting to the bureau. I called to correct this problem, I was told by West Lake staff that they did not have my social security number. I sent the necessary information, which was requested by West Lake in order for them to begin reporting. I called XX/XX/XXXX because I was informed by the credit repair company that I was working with at the time that West Lake was still not reporting, mind you I have been in good standings with them throughout the duration of my loan in attempt to rebuild my credit. So I was told to send the same information again so I did. I went to purchase a newer car last week and to my surprise West Lake is still not reporting. I called and spoke with numerous customer service reps and supervisors and this time they told me they have my information from when it was sent XX/XX/XXXX but I need to send it again via fax and call back so they could pull it and add it to my file. I was told after this they would begin posting immediately. I did as I was advised, however once I called back the story changed I began getting the run around and was advised to email it because they can not receive fax. I emailed the information needed and they still refuse to report my credit.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

Several years ago we submitted a request for a loan modification to JP Morgan Chase. At first we tried on our own but go no where so we retained an attorney to assist us. The problem is that while we ( and the the law firm that was assisting us ) submitted EVERY piece of documentation that was requested of us in a timely manner and evidently they sat on someone 's desk or somewhere in the JP Morgan Chase office and not done anything with. Then they turn around and deny the request stating that they did not receive the requested documents in a timely manner. AND they also accuse me of lying, when I told them that I was making the temporary payments that were set with for us ( which is documented ) I called them in and after making several payments I tried to call one of the consecutive monthly payments in and the representative that I spoke with said that she could not accept the payment since the loan was under modification review. Wth?, That is why we had temporary payments set up. I provided them with the name of the person that I spoke to and the telephone number that I called but they will not even research that. 
I am so over them accusing me of lying and the fact that all they do is claim that the foreclosure on our home was legit and by the guidelines. Well, it really was n't when we did everything that was requested in order to save our home. 
They also sent mailers on a regular basis stating how they wanted to help us " save our home '' but did nothing to help and ended up leaving me homeless. 
They offer no resolution for their lack of doing anything to honor our request when we did EVERYTHING that was requested of us and in a timely manner. If they were never going to help us ( as they evidently knew they would n't ) they should have just let us know that there was not a chance of obtaining a modification. 
Since then they have sold our home to someone else after the erroneous, inconsiderate and unjustifiable foreclosure. I have reported this numerous times and will continue to do so until a satisfactory resolution us offered to us. We have nothing left to lose since they made me homeless so I will continue until something is done about this. They are a money grubbing XXXX company that screws people over that are trying to save their home and should have to answer for their horrible customer service and lack of investigation of reported claims rather than accuse me of lying about what I am reporting. 
All we want is an offer of a satisfactory resolution. It will continue to be reported and I will not stop until one is offered and accepted!
Consumer complaint received 2017-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Loan Application for a HELOC was started approximately XXXX weeks ago. After numerous delays we cancelled the application on XXXX XXXX XXXX. 

We then applied for a refinancing with XXXX XXXX due to a better interest rate and faster service. After less then a week we were approved by XXXX. XXXX just needed " proof '' that we have terminated our loan application with Wells Fargo. 

Wells Fargo originally stated that they can NOT terminate the application for XXXX weeks. Then, when we told them about XXXX needing a " termination '' letter Wells Fargo said we could NOT get a letter for at least a month. 

We are now jeopardy of loosing our {$10000.00} we put down as earnest money on a property we are buying. 

Wells Fargo is behaving like a mad child and we do n't think it is right. 

The XXXX loan officers involved are XXXX XXXX, NMLSR ID XXXX, Phone number XXXX XXXX XXXX, XXXX ID XXXX, Phone number XXXX ext XXXX Wells Fargo Application number : XXXX
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I need to deposit a house insurance check in the amount of {$12000.00} to my Chase account and they are refusing to accept it because they say ( 1 ) the amount is too large, over {$10000.00} and since it was issued to my husband and myself and XXXX XXXX XXXX ( the XXXX company I hired ) and XXXX, and duly endorsed by all parties, Chase 's internal rule indicates that the check must be deposited to the business account holder in detriment of their own personal clients ( my husband and myself. ) Chase gave me two suggestions : ( 1 ) return the check to the insurance company with the endorsements and ask that they issue a second check only on behalf of my husband and I, or ( 2 ) have the check deposited in the XXXX ' banking account. Either of their solution is unacceptable to me as it exposes me to credit risk since ( 1 ) the insurance company may actually reject the check since the money was deposited by a third party and not the insured and ( 2 ) the fee to the XXXX is only {$2400.00} for which I already issued and delivered a check. By having the company deposit the check I need to wait for their bank to clear the balance of {$9600.00} which exposes me to the credit risk posed by the XXXX company for a week or so. Additionally, if my bank can stipulate what kinds of checks it can receive in the branches for small amount of dollars or any other internal rule, they are not doing their basic job of clearing checks! I have been a banker all my life, most recently as a Banking Center Manager at XXXX XXXX XXXX, and can not understand how a duly endorsed check, including with a signature guarantee on the part of the XXXX bank can not not be processed by the banking system. What would happen if I had a check issued for {$20000.00} with another payee such as a mortgage company as Chase wants, where would I deposit this check? Is this not the most basic of services a banking institution should provide? I am attaching the settlement agreement with the insurance company and my written communication with XXXX as well as the fully endorsed check for your review. I can not believe that even if this is once-in-a-life-time occurrence I do n't have a bank to deposit this check because of some internal rules of an institution with a charter approved to operate as a bank. An additional and final note, in speaking with a personal banker at Chase who was consulting over the phone with her back office manager, I was informed that if I had a Chase mortgage things would be different ... Is that so? I am being held hostage by my own bank for a simple banking transaction without a logical or reasonable explanation. The Consumer Financial Protection Bureau should not permit banks such intrusive and arbitrary internal rules which destroys the very reason why a bank exists.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

Case number : XXXXThe so-called response from Chase is NOT even signed so there is no way to identify whomever is involved in solving this problem. The lack of a signature suggests a lack of accountability and therefore a lack of integrity which only adds insult to injury. In the meantime the problem has not been solved!
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

letter from EQUIFAX shows that XXXX acct # XXXX and XXXX account # XXXX were deleted from the credit file on or before XX/XX/2015.the letter is attached here. 
both accounts have reappeared on the credit file.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

Please have Equifax remove XXXX off my file. They arte collecting for XXXX and has been on my file before as XXXX- XXXX dollars. XXXX has also had several companies to report this item with the same XXXX balance. Account not known to me.
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (AZ)

I have been dealing with Discover Student Loans since the took over the XXXX XXXX Student Loans. I have had repeated trouble with my accounts. Often they do not reflect the payments made, and I am reported to the credit agencies. At one point I had to send a cease and desist letter to keep them from calling me 10 plus time per day while I was at work. That was in XX/XX/XXXX.
Then in XX/XX/XXXX I called Discover to ask the status of my accounts as I was selling my home and trying to buy another home. I was told all was good, but he had to look to why he saw I was current, but I was seeing online that my accounts were reporting late. I was told by the Discover agent, that I was good. I also informed that that I would be paying off the remaining loans over the next few months as we sell our home. Then on XX/XX/XXXX XX/XX/XXXX I got an alert from XXXX and Transunion that Discover was reporting me as delinquent. I called Discover on XX/XX/XXXX to try and find our what was going on. They told me I would get calls back, and emails they never came. Eventually on XX/XX/XXXX I got XXXX  and Discover Student Loans on a three way call and they finally admitted in that call to XXXX that I was current, and that I was current when I was reported as delinquent.
Now as of today XX/XX/XXXX I still can not tell the status of my loans, or when payments are due or if they are. The website has me listed as in deferment for school, but I have been in XXXX XXXX at XXXX XXXX  University since XX/XX/XXXX. This would mean I should have been in deferment for the last 13 months. With that fact, then I am not required to make a payment, thus I could not be late as they reported me.
The bottom line is that I can not get information about my accounts, and this is effecting my credit. I am unable to callas they tell me to write them, when I send the emails via the secure server I get responses that tell me to call, then on the call they tell me I must write. How can I get information? How can a company be allowed to report negative when they do not report all payments and positives? How can a company who 's own web site states, " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. " ( https : //www.discoverstudentloans.com/XXXX  XX/XX/XXXX ) On XX/XX/XXXX my accounts all showed on the Discover Student Loan webpage as current, yet I was reported as late after this date. See Attached I and my family is at a lose as we were about to get a home now we have nothing, as Discover reported negative when I was not negative. I know I am not perfect and my credit shows that, but when a company is not giving the consumer or the credit agencies accurate information in a timely manor, how can they be trusted at all?
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NE)

An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Equifax. I disputed this account with Equifax , twice, but XXXX times they have refused to remove it. I have attached the dispute results information from Equifax as documentation.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IA)

I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

TitleMax states that they sent by certified mail, a " notice of our plan to sell property '' regarding information about the sale or redemption of the vehicle. 
I recieved nothing regarding this and will request proof at trial. 
TitleMax states that regarding their recovery vendor listed items in my vehicle as " pens '' only. That is false. Your recovery vendor is dishonest and fraudulent, and this will be added to the lawsuit for theft of property.
Consumer complaint received 2016-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

When I took a XXXX mortgage on my house the loaner insisted we pay the loan in full and we did. Great Lakes XXXX.mygreatlakes.org XXXX is charging us interest from after the loan was paid off. They wo n't stop calling and emailing. This is harassment. I have sent them a copy of the check 3 times and they wo n't stop.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc. (CA)

I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (VA)

XXXX XXXX, XXXX I bought a XXXX XXXX. First payment due XXXX/XXXX/XXXX. ( 72 month loan ). The sticker cost of the vehicle was {$31000.00} on my paperwork from XXXX states " Cash price {$32000.00} '' plus it was an " end of the year sale '', which should have lowered the sticker price. I traded in a XXXX XXXX that I had paid for in full with this same dealership. They only gave me {$7200.00} for my car which I was not satisfied with! XXXX kept me there for over 3 hours and past their closing time ... in the end I do recall wanting the XXXX XXXX {$800.00}. but do not recall the extended service for {$2500.00}, although I did sign the paperwork, but exhaustion had set in by then. This is an interest free loan. The amount financed was {$29000.00}. including a {$7200.00} deposit from my trade in. I need to sell the vehicle now ( most months I paid extra on the payments as I could afford to ) I still owe {$22000.00} I went to the dealership and asked what my options were for getting rid of the car and their Trade In/ Retail Breakdown only allows {$14000.00} - {$17000.00}. I 'm a single mom & a XXXX. I 'm starting a business and need to curb my debt. I 'm very frustrated and feel that I have been taken advantage of!
Consumer complaint received 2016-03-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: KEYCORP (CA)

I got a loan from Key Bank for a pool in XXXX. I ended up short selling the house in XXXX, and stopped paying the loan. The loan was sent to collectors and I arranged automatic payments with them in XXXX. I noticed after about a year that the amount owed was n't going down, so I called and spoke to the collection agency and they told me that Key Bank was still charging interest, as they did not and could not charge interest. I called Key bank and they had no idea how that happened. The interest charges stopped after that. In XXXX, my automatic payment stopped, so I called the collectors and asked why, and they told me Key bank took the debt back. I called Key bank and was told the want the entire amount owed, not the little payments I was making, so I said send me a bill. The bill never came, and I got a call from XXXX XXXX on XXXX/XXXX/XXXX at XXXX, and he had no records of my previous contact with Key bank. I requested my proof of payments from him, and I gave him my address, and I 'm still waiting. Key bank has my address and phone number, but they keep calling my mother and harassing her. I need proof of payments from them to show that they were charging interest on a debt they had transferred to collectors, please help, thank you.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-10-01
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. (AZ)

I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).