davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc. (MN)

A representative from Total Card , Inc., who would n't identify herself, repeatedly called me in reference to a debt owed for {$450.00} for a credit card account that 's is fraudulent and do not belong to me. The representative repeatedly harassed, oppressed and verbally abused me and threaten me with violence, death, arrest, seizure of my property, wage garnishment and total embarrassment, if I did not pay the debt owed. Total Card is in violation of Fair Debt Collection Practices Act and Minnesota debt collection laws. I told the representative countless times, that I am a victim of identity theft and the account do not belong to me, but my answers and requests, was disregarded. SSN : XXXX, DOB : XX/XX/XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.THESE INQUIRIES ARE on my report and I did not inquire any of them
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (IN)

I was dealing with a loan officer thru Prospect Mortgage. My loan officer left in the middle of loan process to go to another mortgage company. We had the inspections and appraisal completed. We were waiting on the sellers engineer report and either my work transfer paperwork or a job proposal letter. Once the engineers report came back XX/XX/XXXX, I was told that I had until XXXX XXXX to get either transfer paperwork or job proposal letter. The new loan officer called the sellers agent and told her he was denying my loan because I did not have either transfer or job proposal letter on XXXX XXXX or XXXX. He then calls me and gets all XXXX with me and informs me that he had a responsibility to sellers agent to let them know that I did not have what I needed so he was going to deny the loan. I begged him not to yet as I did not think it was being fair that he had given me until XXXX XXXX to produce one. I had a good possibility at that time on a job offer but did n't want to mislead anyone. He was aware though that I had had a few phone interviews and I was hoping to have an off before XXXX XXXX. Come to find out while he was threatening me to call the sellers agent, he had already called her prior to talking to me and she had relisted the home, they got another offer on it and accepted it. They never cancelled the contract in which I had with them. I immediately called my agent. I did in fact get a job proposal letter by Monday XXXX XXXX, 2016 I had the job offer and sent it immediately to the loan officer. He said it was too late and that he was denying my loan. That was totally wrong since he had specifically given me until XXXX XXXX to get the info to him! He and my agent had a conversation concerning the fact that I was never given a denial letter, nor did I get a cancellation notice from the sellers agent. When she asked him if he was giving me a denial letter he did not respond.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (FL)

Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The Thomas Agency, Inc. (ME)

This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary. 
I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed. 
I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please. 
XXXX
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( 2 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ( 5 ) XXXX ( 4 ) XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX ( 3 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) i would like them removed from my credit file
Consumer complaint received 2016-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (NC)

Transworld Systems Inc on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Transworld Systems Inc still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I 'm XXXX today. I lost my job of 15 years back in XXXX due to a company downsize, and was thrown back into the workforce to try to start over. What a journey it has been. No one wants someone my age. So now I only work part time, with a loss of over {$1200.00} per month in income, and barely surviving. With all my bills, I do n't have the money to afford food any longer, and so I starve. My mortgage company is aware of my situation, and yet continues to charge me a late fee every month, because I am a little late in getting the payment in. And now they want to increase my monthly payment, Which I ca n't afford now, because they need a buffer on my escrow account. It 's a 30-yr fixed rate/payment, so how can they just change the payment to what ever they see fit. I think it 's time to simply walk away, and let them have their home back. It 's a hard pill to swallow at XXXX, but did my best.
Consumer complaint received 2017-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CO)

I paid my federal student loan off in full on XX/XX/XXXX with a payment of {$26000.00} to Nelnet. I watched my account each day to wait for it to clear. Apparently interest was still accumulating during the bank processing fee. On XX/XX/XXXX the charge had posted to my bank account but not my Nelnet account, so it looked like I had paid nothing, yet I was still accumulating interest! After I called them the interest went down from about {$20.00} to {$9.00}. They are charging me {$9.00} for interest on my loan I paid in full after the XX/XX/XXXX date. I took to XXXX and social media being very angered, because this is one shady practice, it 's unethical and it 's deliberate. If I submitted to pay my loan off on XX/XX/XXXX I should not being paying for interest on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I understand why they are doing it, you XXXX XXXX XXXX kids over for an extra $ XXXX- {$10.00} you can make a lot of extra money. But it 's unethical and wrong. It 's not about the money, it 's a matter of principle. Essentially I paid the XXXX loan off and they came back five days later asking for XXXX bucks, down to {$9.00} for the interest during bank processing time AFTER I paid the loan. Let 's see what your agency does, or if your are in with the corruption and greed. Believe me I will make the results of this known.
Consumer complaint received 2016-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (SC)

I have been disputing student loan debt with NELNET for about two years and as of to date XXXX XXXX, 2016 the debt has never been verified. I have sent numerous letters asking them to please verify this debt to no avail also I have previous file complaints to no avail. And according to the FDCPA if this debt can not be verified than they can not collect on it, nor report it to the credit reporting agency. I have recently sent an AFFIDAVIT OF TRUTH ( private statues ) on XXXX XXXX certified mail receipt XXXX XXXX XXXX XXXX. I have yet to receive an response and they are still reporting these accounts on my credit profile. I am currently seeking to sue for violation of the FDCPA and FCRA. I would like for them to please verify these debts or remove them from my credit profile ASAP.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (MD)

i got a car loan from Westlake financial, and contract end XXXX but i got XXXX deferred payments which accumulated more than {$2000.00} worth of late charges and fees. I only burrowed {$8300.00} at XXXX % {$280.00} payment since XXXX. its been XXXX years and still asking for additional {$2400.00}. already paid in total {$16000.00} in total.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

Became aware that a Chase credit card was opened under my identity on XX/XX/2017. Immediately contacted Chase thru Chase Card secure message service. Initial response from Chase confirmed a new account was opened but Rep refused to provide info, citing security reasons. Chase agreed to place a temporary hold on this account upon my insistence. On XX/XX/2017, I received a card in the mail for this account. I again contacted Chase Services and informed that under no circumstance should this card be activated. 
On XX/XX/XXXX, I received a letter from Chase, dated XX/XX/XXXX, informing me that a new application for a Amazon.com card was declined for being " a duplicate application. '' I have given Chase written notice thru their secure message center and have also called Chase Service to report this fraudulent activity and have consistently received conflicting info from their representatives. If I am not reporting this fraudulent activity in the proper way to assure that my identity is safe guarded or that fraudulent charges do not appear under my credit reports, please provide me with more specific instructions. I am also requesting copies of the applications that Chase used to open this fraudulent account.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (HI)

Chase phone XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX had no right to decrease my available credit and pull a credit reportOn me or can they periodically check? I have never had that happen to me in XXXX years, always paid them on time. They said my balance was high. So what? It 's not over the limit, from {$1500.00} avail credit and they lowered it to {$330.00}. Limit from {$8000.00} to {$6600.00}. Very very upset what are my rights? And they are so bad with my profile ca n't find any past accounts which I paid off because needed the account numbers. I have another card with them feel they will do the same. Very upset because what if there was a pending purchase before their act was done and NOW I 'm over the limit? Unbelievable ... .XXXX XXXX, 2015 XXXX consumer in Hawaii ( at the mercy of THIS creditor )
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check using the Chase mobile banking app, on XXXX XXXX, 2016. The app deposited the check twice. I called to make sure everything was okay. They deducted the amount of the check from my account. A few days later, the check bounces due to it obviously having just been deposited. The check was deposited, but I 'm out the amount of the check - Chase took it from me and is not returning it.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OK)

I have initially filed a complaint against Chase Mortgage. Chase continues to report the complaint as being solved and closing out the case. Please re open. Chase Bank has failed to credit my account. There has been an great amount of corporate advance fees and other unexplained fees. The initial modification was a permanent modification and there are in excess of two years payments that went to a " phantom account. '' Chase has no explanation and continues to send computer generated letters stating " They are investigating the matter ''. This has gone on for a number of years. My current mortgage payment is over XXXX dollars more than what it should be. I believe Chase is using unscrupulous and unethical measures to attempt to accelerate on my home. I need immediate help and intervention from Consumer Financial Protection Bureau. Please hold this giant liable for preying on middle class wage earners and obligate them to make the necessary credits and adjustments on my account. If you have attorneys that are willing to look into this matter, I will cooperate fully. I would like to " blow the whistle '' on the strategies they are using.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

We are formally writing complaint, and an appeal of the denial for a modification. The main complaint we have to the modification denial is the clear dysfunction of the CHASE modification review system. We have it documented that on XXXX XXXX 2015 CHASE declined us for a modification based on the GROSS income of {$6200.00}. Again, this is documented. In late XXXX and early XXXX we discussed this grave error made by CHASE. We were told by CHASE that if our income is actually higher then we should re apply for a modification and start the whole process over. We thought this was unfair because it takes 4-6 months to get through CHASES ' dysfunctional system and this was there mistake. But we are over our hardship, can afford our mortgage and want to keep our home. My husband, XXXX XXXX is XXXX years old and moving is something that could be to much for him. On XXXX XXXX we submitted for another modification review with the CORRECT income. We had our friend XXXX XXXX help us with under writing to make sure we made no mistakes and received the correct review. On XXXX XXXX 2015 we were notified we were declined based the income had not changed? We submitted income of {$10000.00}. This is a huge error. CHASE is basically lying saying now in XXXX the income was NOT {$6200.00} when we have it documented that what was used. Our attorney has advised us that we have a law suit based on these documented errors, and elderly abuse. WE WANT AVOID THAT. We are not trying to lower our mortgage payment or our interest rate. We are not applying for HAMP. We have had medial hardships and a loss of a son over the past year. We are elders who are over our hardships and simply want a modification to get back to current. Please review us for an in house modification to get back to current so we can make mortgage payments to CHASE.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC (FL)

I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep..
Consumer complaint received 2015-07-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I was studying abroad in XXXX. During my time I was at a club XXXX night and my debit card was stolen out of my wallet and was charged about {$1500.00} XXXX dollars. I filed a claim to Chase right when this happened. They initially refunded me the money that was stolen from me and XXXX weeks later they claimed the transaction was correct. I have tried multiple times to work with them. I followed all requirement s to submit the claim and they continue to tell me it was correct. They state I had signed for it and I had them mail me the receipts of my signature and the signature is not mine. I even went into Chase and provided them with my signature, my passport signature and license signature to show them the signature does not match. They continue to tell me the charge is correct when it was not. I called numerous times and sent them numerous letters to handle this and they continue to tell me the charge was authorized by me when it was n't. I have provided photos of emails I sent them, the police report I filed and the letter I wrote to Chase.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

I am the executor to XXXX ( deceased ) estate in XXXX, Alabama. A part of the estate is a house located at XXXX XXXX XXXX, XXXX, Alabama. The house had gone into foreclosure even though my niece was making payments. My sister 's will was never probated by the attorney to transfer the property to her daughter. Automatic deductions were made from her account up until XX/XX/XXXX Without any discussion or notice, Chase Manhattan stopped accepting automatic deductions after XX/XX/XXXX. In XX/XX/XXXX mortgage payments were made by money orders by her daughter. Chase Manhattan never returned the money orders or contacted my niece to inform her if there were any problems. 
In mid XXXX a notice was placed on the door of the property from Chase Manhattan stating the property was in foreclosure. We contacted Chase Manhattan with our attorney in XX/XX/XXXX to discuss and determine what transpired and what we needed to do to resolve the foreclosure matter. After our attorney had a discussion with CM, we were told by Chase that certain fees had to be paid in order to remove the property from foreclosure and transfer the property to the heir. We paid {$2600.00}, the amount Chase said was required to make the mortgage current and cover fees associated with the foreclosure. We also provided the necessary documents, death certificate, will etc. that Chase required to change the name on the mortgage. We were told by Chase Manhattan that ownership would be transferred and my niece could continue making payments. We received another notice in late XXXX that the property was in foreclosure and XXXX XXXX owned the property. XXXX XXXX had hired a law firm to manage the foreclosure. It stated that XXXX XXXX now owns the property and any occupants would be paid a certain amount to vacate the property by a certain date. The family was totally shocked and in disbelief that this was happening. Particularly after working the attorney and Chase Manhattan to resolve the situation. 
The actions taken by Chase Manhattan and XXXX XXXX are unscrupulous, unwarranted, and illegal. The family request that the foreclosure be reversed and property transferred to the heir without any additional fees. I would also like for Chase Manhattan and XXXX XXXX to be held accountable for their illegal and unscrupulous actions. The family has sunk XXXX of dollars into the upkeep of the property. We desire to keep the property in the family.