davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP ()

This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three years.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (CA)

I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband  asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that Velocity LLC has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX XXXX Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what Velocity is doing is unlawful. I need some help in determining what they have done was illegal.
Consumer complaint received 2022-05-05
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

I would constantly Wonder where my funds were going. I knew there was no way that I would spend as much that was coming out of my account. I would go in check my savings check my my checking and I would not see any sign of where the missing money was. Until recently when I started to notice transactions like this XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX payments XXXX XXXX XXXX XXXX XXXXXXXX. Now I know the XXXX merchant ID varies from XXXX to XXXX but I use it as an example as to how merchant IDs can be confusing and the nefarious ones can go unnoticed. I put my money with Wells Fargo because they were supposed to put protection on it I paid them monthly to do this they use my money to give out house loans car loans student loans that they could not protect my account. I've been caused undue stress made homeless and soon enough he'll have to sell the only thing I have left which is my car to survive.
Consumer complaint received 2015-06-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

I got hurt at work and took a 60 % pay cut. I had a 9 % loan on the house that I could not afford the 9 % after I took the pay cut. I applied for a modification and US Bank said that I qualified for it so in the process of going through multiple surgeries I had to hire a third party to help with the modification which US Bank would NOT coroporate with would n't acknowledge than after months of going back and forth with them they finally gave us a point person to work with. The point person said that they were going to include the back and future property taxes and had told me to hold off on paying till the modification went through or approved. Basically, I got strung along without getting a straight answer for about 3 years. Then they refused to take my payment for 8 months. Finally the modification was approved only for 54 months and it did not include the back taxes like they said it was going to be only future with the loan. Because of this the XXXX I owed in back taxes ended up being XXXX ( due to the 80 % charge penalty from city ) US Bank did not include them in the loan. Now they paid the back taxes and want {$5500.00} plus the loan payment of {$1500.00} which I signed an agreement of XXXX to pay with the taxed included. I went to them for a modification to afford the house. At that price I do n't who can pay {$8000.00} a month for a mortgage. It 's not like I said I could not pay them it was the 9 % and paying the taxes on my own that I could not afford. It seems odd that I am paying {$1500.00} a month for a {$45000.00} loan for 4 years. Than I received another letter stating my new payment was {$2300.00} for 54 months. I still can not afford that. I just need the loan for 10 to 15 years so that I can afford the payment and stay in my house.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid 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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I placed an order on XXXX XXXX 's website number XXXX for an XXXX XXXX mini, overnight shipping, and two years of service. I was charged {$1000.00} to my Citibank credit card. I requested cancellation of XXXX XXXX order XXXX on XX/XX/XXXX via online support chat prior to my order being shipped. The XXXX XXXX support agent during that conversation, XXXX XXXX, claimed to have cancelled the order and told me my money was refunded already. This was not true, because it took over 3 other support conversations to learn that my order was in fact NOT properly cancelled. 

After not receiving my money back on XX/XX/XXXX, I filed a dispute claim for " cancelled goods '' on XXXX website. After many cycles of back and forth and various support agents telling me my refund was approved and I will get my money, Citibank ultimately refused the dispute because I was unable to provide email evidence from XXXX XXXX of the cancelled order. 
I have repeatedly asked XXXX XXXX for email evidence for this purpose and was denied, with XXXX XXXX support agent 's claiming that there is no way to get email proof of order cancellation and the only way is to interact with them is via online chat or by phone call. I was also unable to use XXXX XXXX XXXX website order status because it shown my order as incomplete/indeterminate status, which was insufficient for Citibank. 

After 90 days back and forth being told to " wait two weeks '' by various XXXX XXXX support agents, Citibank closed my dispute citing it was outside of the XXXX dispute window and that the charge is final. 

During this time, I have over 10 conversations with various support agents at XXXX XXXX and written documentation from XXXX - XXXX XXXX XXXX Social Media escalation representative. At this point, I am no longer able to mitigate this directly with XXXX XXXX, because XXXX has passed this information onto me indicating that XXXX XXXX will not return my money. " Alright, I have received the department 's response. Upon further and deeper review, I confirmed with them that this order XXXX has a chargeback. Therefore, we are unable to further assist with a refund due to this. If possible, please confirm this with your bank as once a chargeback for an order is made, we are unable to process a refund. XXXX. ". 

It has been 156 days and I still have never received my {$1000.00}. Citibank refuses to return my payment. 

I believe XXXX XXXX has fraudulently and willfully impeded my chargeback despite their agents claiming to approve my refund, and intentionally prevented me from having the documentation I needed from them to process a chargeback with my bank. I have multiple chat logs explicitly requesting this information. 

I have bank statements showing that my money can no longer be returned by Citibank and I am prepared to file my case in PA XXXX XXXX XXXX for XXXX XXXX, District XXXX.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I believe I am victim of mortgage servicing fraud. 

On XX/XX/XXXX I requested a copy of the assignment of mortgage from the servicing company On XX/XX/XXXX I requested a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

On XX/XX/XXXX I received a copy of the allege assignment of mortgage but I have received a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

I am current on my mortgage. Sixty days has passed since I submitted the RESPA request and Mr. Cooper has failed to reveal it's rightful claim to collect my mortgage payments. 

XXXX was fined for committing mortgage service fraud and I believe that Mr. Cooper is a conspiring party as well. 

Please help.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (FL)

I am reporting to you a Complaint against Selene Finance XXXX XXXX XXXX - Loan # XXXX ) who has fraudulently reported me to the Credit Bureau for a mortgage loan debt that was discharged on XXXX XXXX, 2013. The Chapter XXXX case number was XXXX. The Honarable XXXX XXXX XXXX was the United States Bankruptcy Judge granting the dismissal. This loan has been transferred to three different Servicers in the last year. Selene previously reported it to the Credit Bureau but removed it after being informed by the Trustee of the Case. They just reported it again. It has caused me to be turned down for an auto loan, and to be approved for a lease on a new apartment. Their reporting dropped my credit score XXXX ( XXXX XXXX points. No other Lender has done this to me accept for this non-bank Servicer, inexperienced in Loan Servicing Matters. The are also guilty of " Dual Tracking '' as they are considering me for a HAMP MOD, while continuing to move forward on foreclosing on my property. Please help me resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Mailing XXXX XXXX XXXX XXXX Florida XXXX : XXXX Financial Loan Number XXXX
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NJ)

I was reviewing my ( 3 ) credit reports and found an error. It was information from Chase Auto Finance ( Chase Bank ). The reports states Paid, Closed. {$1300.00} written off. I contacted Chase in the earlier part of XXXX XXXX, stating that my car note was paid in full and not charged off. I received a response on XXXX XXXX, XXXX, indicating that I have paid off my loan and the title was also sent. By XXXX XXXX, XXXX, my credit report was still indicating " Charged Off. '' Chase sent me another letter on XXXX XXXX, XXXX, indicating that they would research and review the issue. On XXXX XXXX, XXXX, I received a refund check from Chase indicating that I overpaid on my car note. However, my credit report is still reflecting as " Charged Off '' and it 's listed as a negative account. I am only requesting that the information be updated and as paid in full and not " charged off. ''
Consumer complaint received 2022-06-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to Portfolio Recovery Associates , LLC tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/16 I accessed Chase website to check status of my mortgage payments. I noticed corporate fees accessed on my statement dated XXXX/XXXX/16 and XXXX/XXXX/16. My loan is currently due for XXXX/XXXX/16. Chase is in violation of Respa Act and FDCPA Act. I need to know what are the fees for. I have attached a copy of the statement reflecting these fees accessed on my account. 
Your help in resolving this matter would be appreciated. 

XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MO)

MyGreatLakes lender keeps inappropriately allocating my payments. Every month I make the minimum payment due plus an excess amount and I ask them to allocate the excess amount 100 % to the 'unpaid principle balance ' of a sub loan that Ive chosen. Instead they continue to NOT do this and place the excess amount towards my next due payment, thus delaying when I have to make the next scheduled payment and failing it apply it directly towards the 'Unpaid Principle Amount. ' When I then talk to them on the phone about this mistake they give me false information and a run-around conversation tactic claiming they do n't know how to explain this too me and refuse to fix the issue. They continue to tell me, there is no on else available to talk to, and they end end the conversation with me, saying that they are finished talking to me, and place me to a voicemail. When I searched the name of the finance manger whose vociemail they connect me to it dose not even show up on XXXX, which leads me to believe that this is a fake person : XXXX XXXX
Consumer complaint received 2021-06-08
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: AFNI INC. (NV)

I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my signature.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo account was closed by Wells Fargo - I was told it may be " suspicious activity in which the account is compromised '' - no other details. When asking for additional details, I was told I needed to step into a branch : I did so and they told me to call the number, which in turn told me to step into a branch. Ultimately I just want documentation on why my account was closed ( I understand it is their prerogative to close the account - all I was requesting was documentation as to why ). 

All of this happened after, suspiciously, meeting the requirements for the " banking bonus '' that was offered upon opening the checking account. Right after meeting those requirements, the account was closed and I did not receive any additional information as to why it was closed.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I purchased a mattress from XXXX XXXX order # XXXX online using my Syncrony/Paypal account XXXX On or near XX/XX/XXXX, the mattress was delivered and refused by me and cancelled the order due to unforeseen circumstances. The merchant gladly accept the return and full refund as their policy stated. Paypal entered the refund on my account statement and never adjusted the outstanding balance on my Paypal account. I have disputed this with XXXX, they said they have been trying to submit a refund but Paypal kept rejecting it. I spoke with the team leader division and Paypal. Paypal states the purchase is not cover under their buyer protection. After several disputes, Now Paypal says I still owe the outstanding balance of XXXX and charged an EXCESSIVE amount of fees and finance charges which I do not owe. They are in direct FTC and CFPB violation of not accepting and crediting a refund from a merchant for a returned item. Here is a breakdown of the statements I received. XX/XX/XXXX XXXX {$1100.00}. XX/XX/XXXX XXXX {$1100.00}. XX/XX/XXXX XXXX {$1100.00}. XX/XX/XXXX XXXX XXXX XX/XX/XXXX Refund {$1100.00} ( same day ) my last payment of {$220.00} was made on XX/XX/XXXX and I closed my account with a fraudulent balance of {$1100.00}, which I do not owe. Since then, they have reported my unpaid erroneous balance to all 3 credit boroughs and has negatively affected my credit and have charges excessive late fees and penalties.
Consumer complaint received 2022-09-25
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)

Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws.

Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course 6000 rule.

Wet Signiture Notarized Legal in the first place
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-07-30
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2016-05-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX, 2016 I have been working with JP Morgan Chase on a my loan modification ( Loan No. XXXX ). They have not credited all my payments to my loan, they forced me under threat of foreclosure to sign a subordinate XXXX loan, then told me by phone that I did n't need it. When they verified that I did n't need it by reevaluating me for my loan modification they did n't have me sign new loan modification docs to correct the error they admitted to they just sent me a copy of the originally signed loan mod docs without a copy of the XXXX Subordinate Loan docs I signed and they did n't send me a cancellation of it in writing. They told me verbally but did n't give me anything in writing. I have called four times and not one person is calling me back. 

Please report this to the correct agency for assistance. ( FTC, TILA ) Please contact Chase to help me with resolving these errors. 

Thank you, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a Chase credit card and was told that I was denied when I called. The reason for denial given was because I have a charged off credit card with chase. I have never had a chase account of any sort. The rep on the phone was unable to give me more details other than what she provided. 

My social security # is XXXX
Consumer complaint received 2015-06-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I am a retiree on a very small pension and bank with Chase bank. There are times I will incur insufficient funds for no more than XXXX days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than XXXX hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.