davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2016-01-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (PA)

In XXXX XXXX, I entered into a modification agreement with M & T Bank, a modification I believed was to make owning a home affordable for those who have had trouble in the past making mortgage payments, all it did was start my mortgage over again as if I 'd just walked out of settlement. I 've gone through bankruptcy trying to keep this property out of foreclosure and all this bank tries to do is sabotage this mortgage every chance they get. I received a notice telling me that I have not fulfilled my modification agreement and that the property will be entered into foreclosure. I have spoken with an M & T Bank representative and have asked for the latest date my payment can be in that bank, I was told no later than the XXXX. My XXXX XXXX payment will be made via walk in branch on XXXX XXXX, XXXX or via electronic online delivery, nonetheless, it will be in office before XXXX XXXX, XXXX. However, I do n't recall reading my agreement and seeing that M & T Bank is required to call me every month to ask me when I plan on forwarding payment. One month, I believe XXXX XXXX, they tried to tell me they had n't received payment ( typical M & T bank procedure ) I also noticed that for that month, a date was n't stamped on the check they cashed, things that make you go hummm?, why was that? I have made every payment since the agreement and XXXX XXXX will be no different.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - I am REPEATEDLY solicited weekly to turn in my XX/XX/XXXX leased XXXX, and guaranteed a full service package if I leave that lease early AND enter into a new lease of a XX/XX/XXXX XXXX with XXXX. I get into contract and leave the XX/XX/XXXX at the dealership. 

XX/XX/XXXX - XXXX were to payoff the previous lease. 

XX/XX/XXXX - Late Notice from Chase. I double pay both, concerned the new lease payment was not properly applied. 

XX/XX/XXXX - Another late payment notice. I contact Chase, they tell me XXXX Dealership has not paid the car off. 

XX/XX/XXXX - I get Delinquent notice from California Department Motor Vehicles, that the XX/XX/XXXX XXXX ( turned in XX/XX/XXXX ) is overdue. XXXX has still has not paid off the car, nor legally reported the auto registration as agreed in new contract, and my law. 

XX/XX/XXXX - XXXX ASSURES me they are : taking care of the payments, making sure my credit report is corrected, paying off the vehicle fixing the registration. 

9 MONTHS LATER XX/XX/XXXX - I check my credit and the vehicle still shows OPEN and unpaid. 

XX/XX/XXXX - I have several excruciating conversations with both Chase and XXXX. They promise to update the account as paid in full. 

XX/XX/XXXX - XX/XX/XXXX XXXX Credit Report shows the account reported 60 days overdue XX/XX/XXXX - XX/XX/XXXX XXXXCredit Report shows the account reported 30 days overdue XXXX and Chase are completely incompetent. I am looking to join a class action lawsuit.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (GA)

There are two complaints. One against XXXX Mortgage, and the other against M & T Bank. XXXX sold the mortgage to M & T.XXXX stated in their response to my complaint they are waiting on documents showing my payments since XX/XX/XXXX and insurance amounts to M & T in order to resolve the issue of not paying my escrow account in full in XX/XX/XXXX. M & T signed the certified request I sent asking for the documents ( XXXX, signed by XXXX XXXX M & T ) .M & T told me on XXXX they have not received any letter from me.I have the certified return reciept # XXXX.Both compaines have caused grievous harm to me as a homeowner.XXXX violated their obligation to me when they did not pay my insurance in full. Then sold the loan because the insurance was canceled.XXXX and M & T have no quality controls to identify errors in their business, they are both " severely flawed '' and " ineffective '' .The problems are excessive and the error rate on my loan is unacceptable.I have been able to stay in my home with the help of family members.My fixed mortgage continues to go up due to the forced lender insurance and the tacking on of illegagle fees.I spoke with 4 people on XXXX attempting to get from M & T what XXXX say they need to resolve their part of the issues with my loan.M & T in their response stated they need 60 days to review this.I want the Attorner General to review the case
Consumer complaint received 2016-08-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Premier Portfolio Group (LA)

They constantly call saying I they are attempting to collect a debt from XXXX XXXX XXXX from 2011. They say I applied online and received the money into my checking account at XXXX. I have NEVER had an account at XXXX and I have NEVER applied for an online loan or received one. I have never received any letter or legal items and I ask them for a verification of debt they say they send it and I have NEVER received anything from them. They say I have 24hrs to return the call and pay before legal action is taken but I cant even get a proof of debt. AND ... They are very rude and constantly try to use threatening tactics to get my money but I know the laws, I know my rights and they are not getting a XXXX thing from me! They are SCAMMERS!
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I would like to know the reason why Experian declined my request to remove an item that was inaccurately placed on my credit report. An apartment management company sent my final move out statement to a collection agency and the collection agency reported the account as delinquent to all the CRA 's before I was aware of any amount due. In essence the collection agency dinged my credit report before I received any notice of an amount due from the original creditor. Not to mention that the original creditor failed to properly apply all my credits and payments and thus reported inaccurate information to the collection agency. According to my accounting I had no money due to the apartment complex and I should be receiving a return of my deposit.I received, from the original creditor, a move out statement in the mail on XXXX XXXX, 2012, the envelope had a date stamp of XXXX XXXX, 2012. The Move Out Statement states that I have 15 days to respond or my account may be forwarded to a collection agency. I responded to the original creditor the day I received the move out statement. On XXXX XXXX, 2012 the collection agency had already reported my account as delinquent to the CRA 's, please note that the collection agency reported on XXXX XXXX, 2012 that they had properly notified me of a delinquent account and that they have, in good faith, verified the accuracy of a delinquent account. Yet the collection agency did not generate an " initial letter '' of a reported delinquent account to me until XXXX XXXX, 2012, and according to the date stamp on the envelope they did n't mail it until XXXX XXXX, 2012. It is blatantly clear that this whole scenario is a violation of my right to Fair Credit Reporting Practices. In my dispute to Experian I clearly stated that, if not in federal law, in California state law, where I reside, there are credit reporting accuracy laws that have been violated. This item should have never been reported to the CRA 's. I can not fathom why such a clear violation of my rights has been shoved aside. I would like Experian to give my a legal explanation of why this item will continue on my credit report.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I paid off the past due balance on a credit card through the assigned collection agency in 2011 ; however, the original creditor shows that the debt is still owed - this is incorrect on my Experian report. XXXX XXXX needs to indicate that the debt was sold. The collection agency shows correctly that the debt was settled in full in 2011.
Consumer complaint received 2016-08-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (VA)

Cash Call presented radio advertisements on predominately XXXXowned or XXXXlistening audience. The advertisement stated that the loan company was owned by an XXXX and operated quite differently than payday loan companies. I called to apply for $ XXXX and was told I only qualified for {$2500.00}. I was also told that if I did n't accept this loan, it would show up on my credit report as " declined. '' They played on the emotions of a person in need of assistance. The interest rate is nearly 300 % which was not disclosed prior to accepting the loan. 

While I was the XXXX one in this situation, these type of companies should be regulated and/or shut down and stop preying on minorities.
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (NJ)

On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Choice Recovery, Inc. (OH)

COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Choice Recovery was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Choice Recovery placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and XXXX XXXX ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly validating the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
Consumer complaint received 2015-09-05
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation (CA)

Attorney debt collectors are attempting to collect a debt that is not mine and can not furnished how I owe them under the law. I do not have to communicate with them as they have not given me the required original documents of how and why I owe them. The debt is not mine.I am really poor and have no money and a XXXX I do n't have money and I can not pay for a debt that is not mine
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.
Consumer complaint received 2017-01-31
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: URS Holding, LLC (VA)

I had fallen behind on payments with a XXXX XXXX account. I paid AllTran debt collector XXXX on XXXX/XXXX/XXXX which brought the account up to date. I was able to continue making payments on XXXX XXXX website and have done so every month since XXXX. I have been contacted in an attempt to collect the debt every month. I have told them I am not behind on the payments and am making payments as agreed with XXXX. They agree each month that they should not be calling. Last month I informed them I was beginning to consider the phone calls harassment as there was nothing for them to collect on. They agreed. I asked that I not be contacted again. Today ( XXXX/XXXX/XXXX ) I received a voice mail from XXXX at All Tran ) again regarding this account which is showing current and no payment due until mid XXXX.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased a XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX for {$990000.00} in XX/XX/XXXX and obtained a {$680000.00} mortgage from Washington Mutual Bank ( now Chase Bank - Loan # XXXX ) at the time of the acquisition of the property, Washington Mutual said that I DID NOT qualify under their guidelines but Washington Mutual would still qualify me through their subsidiary bank namely -XXXX. Payments on the mortgage were made regularly to Wasahinton Mutual ( Chase Bank ) until the economic downturn at which point, I could only keep 50 % of the units leased and consequently fell behind in in mortgage payments. Propert values dropped drastically as I commenced negotiations with Chase for a loan modification. I was in the midst of the modification process, when another branch of the bank seized the XXXX and took it over in XX/XX/XXXX. I was at the bank a month ago and inquired about getting my property back ... The clerk advised that the property was still in my name.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (WA)

I have a Chase XXXX Visa credit card, which I 've had for a few years now. On the card anniversary, Chase promises to give the cardmembers a hotel award night, which is placed in the cardmember 's XXXX account. My anniversary was some time in the fall of XXXX, and I did not receive my hotel award. I did n't realize that my award was missing until XXXX of XXXX, at which time I called both Chase and XXXX on various ocassions asking for my hotel award. XXXX companies blamed the other company for the issue, but eventually Chase sent me a letter indicating that I should have my award within 10 business days from XXXX XXXX, XXXX. It has now been approximately 40 business days since XXXX XXXX, and I still do n't have my award.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

Chase lien release complaint. 
We 've now spent well over six months battling with ChaseBank over their proper title lien position on our property. 
We ca n't refinance, sell our home, or even procure another equity loan at a lesser interest rate unless they do so. 
So far they have been nothing but obstinate and evasive, in regards to solving this issue. 
Chase has been paid, in full, by XXXX and we have proof of that. It now seems evident that Chase wo n't relinquish their erroneous first position lien as they can use it on their financial statements as an asset. 

Here is the acquisition of banks regarding our property : XXXX Inc acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX We now have a second lien which is our current mortgage held by XXXX. XXXX should actually be in 1st lien position since our 1st was paid off when we re-financed. 

Six months ago we filed an application with XXXX XXXX XXXX to procure a business equity line of credit. XXXX XXXX XXXX discovered that Chase still has a first lien upon our property that should have been released in XXXX. XXXX XXXX XXXX contacted them and requested the lien to be removed. XXXX XXXX XXXX has our signed limited power of attorney to make the request on our behalf. Chase bank told XXXX XXXX XXXX that no such lien existed and asked XXXX XXXX XXXX to prove that one did indeed exist. 

XXXX XXXX XXXX has had several months of correspondence with JP Morgan Chase. Chase would not move forward and so XXXX XXXX XXXX could n't move forward either and our request of an equity line of credit was denied. XXXX XXXX XXXX 's title department stated at this point it that we would need to request the lien release personally. 

On XXXX/XXXX/XXXX I called the Lien Release Department at Chase and asked them to provide a copy of the recorded Release of Lien. 

The Chase Lien Release Customer Research department finally admited that they had failed to release the first lien on our house in XXXX. 
At that point I was told that Chase does n't have a proper power of Attorney in order to file for the lien release Again here is the acquisition of banks regarding our property : XXXX acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX So essentially Chase is now trying to get a Power of Attorney, from themselves, so they can release the lien that they should have already released back in XXXX. 

As it has become obvious that Chase is purposely stalling the release of this lien on our property for there own gain ; we are asking that you grant us assistance in resolving this issue.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I have excellent credit and usually pay credit cards in full. It has been my experience in my 35 years as a consumer, that when you pay your balance in full, no additional interest is charged. That changed today when I called Chase and asked why interest was being charged after I had paid my balance in full. I accused them of using, suddenly, two different ways of calculating interest on my XXXX year old credit card with them. The representative confirmed they are using two different methods of calculation. I do not understand how they can make this material change to how they calculate interest on a credit card. Or, how there can be two different ways of calculating interest on XXXX card. I will not use credit cards that I consider to be usurious, but I think they are doing this to a lot of people without people 's knowledge. If this is illegal, I hope they can be stopped.