davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

I have been going through this situation with chase bank for over a month I deposited XXXX $ into my account the atm took my fund and my account was not credited I filed a complaint they investigated the atm but did not check the camera to prove I deposited the funds they waited three weeks to search the atm they told me that my fund were not located and the atm did not show any funds deposited I explained to the investigator that it was an error  message that showed up on the screen when I deposited the funds I immediately called the bank without leaving the scene the agent told me he saw the error and it took up to ten days to resolve the  issue my case was investigated multiple times I had two different investigators none of them checked the cameras or any of the phone conversations I need my funds it's no way possible that my funds weren't found the bank has basically stole my money if I had took one dollar from a bank I would be in jail my case was not  properly investigated my fines were stolen and I need to be reimbursed I don't know what else to do after this accept get a lawyer and sue I pray this resolves the problem my name is XXXX XXXX my email is XXXX please contact chase bank and return my funds please
Consumer complaint received 2017-10-16
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. (MD)

On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXXXXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX XXXX. Therefore, I was XXXX XXXX in the Spring of XXXX by the Department XXXXf Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted Equifax, XXXX, and XXXX about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX, XXXXt, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per Equifax, I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
Equifax has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (MD)

XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

Quicken Loans approved my loan on XXXX XXXX, 2017 and the process has put me and my family in a catastrophic position. The process went on in excess of 120 days, during which time there were request for the same information ; 3 requests for Transcript for Tax Return, 3 Re-disclosure packages,4 requests for information on the same debt. My loan balance was {$77000.00} and the property was appraised at {$160000.00} by Quicken. Although I was advised the average period to close a loan was 25-30 days my wife and I continued to be asked to provide payoff information on 4 debts included in the refinance. After 90 days of the loan process, I was garnished for one debt to be included in the refinance leaving me unable to make the {$1900.00} mortgage payment which caused my credit score to fall below XXXX 's acceptance. Quicken refunded the {$500.00} fee they charged, however the promises of a reduced mortgage of {$900.00} per month and {$15000.00} cash back have cost me over {$29000.00} in losses in the first year. Their inefficiency has me behind on my mortgage, garnishment costing me {$800.00} per month and a total lack of faith in any organization Quicken is involved with
Consumer complaint received 2022-01-04
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I started a XXXX XXXX on XXXX to get rid of my inventory. I was selling my inventory at a loss, but I don't know why Paypal took my money XX/XX/2019 PayPal - negative {$2600.00} XX/XX/XXXX Transfer P PayPal - negative {$2600.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$2600.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$2600.00} Transaction ID XXXX Seller info PayPal Note {$2600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). 
also under the National Mortgage Settlement there is not a provision on the amount of delinquency or that 3 years being delinquent is reason to disqualify the file from review. The lender stated the because the Borrower applied and was denied in 2014 and they are 3 years past due making the borrower permanently barred from loan modification services. 
Pursuant to Regulation X, 12 C.F.R. 1024.41 ( h ) ( 4 ) we hereby request that you leave this modification offer open until a minimum of 14 days after a decision is made with respect to this appeal. We simultaneously ask that foreclosure be suspended in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.
Consumer complaint received 2021-10-04
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: JPMORGAN CHASE & CO. (FL)

IHAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I am trying to pay off my mortgage early by paying extra principle. Every time l log into my account and pay the extra principle, my mortgage company ( Mr.Cooper ) takes out an additional mortgage payment for the following month. I have called them on several occasions and stated to them that there is a glitch in their accounting software. I also ask to have my money returned to my account as soon as possible. They investigate the issue and always apologize and state the money will be returned to my account in 24-48 hrs. This has happened 3 times now, and l have to call several times to get the money back. It never comes in 24-48 hrs, but takes up to a week or 10 days to get the money returned to my account. This latest incident has gone long past the 48 hours. I called again yesterday and the guy l spoke with stated he was going to escalate the matter to his manager. As of tonight XXXX XXXX, the money still has not returned to my account. This situation leaves my bank account vulnerable to overdraft for my other bills and financial commitments, thus affecting my credit rating. In addition, they have my credit score listed in the low 700s. All of my credit card accounts, XXXX XXXX and XXXX XXXX  have my credit listed in the 800s. I am tired of dealing with their ineptitude and thus filing this complaint. Thanks, l hope you can help XXXX XXXX
Consumer complaint received 2019-10-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (CA)

I never agreed to authorize this loan. The loan was agreed upon by the co signer. I did not sign any loan to give my approval to commence such loan. I have contacted Discover student loans to explain that I had nothing to do with the origination of this said loans. I do not have a way to pay back any loans and at the time of said loan I was not capable of paying a loan or can sign for one. I had no credit to sign for one nor do I have credit today to acquire a loan. I demand a signature by me approving this loan. Thank You
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Public Record needs to be removed from all three credit bureau 's based on unverified information. Account is suppressed and frozen with XXXX. Court does not verify with the credit bureau. Please remove bankruptcy from Equifax, XXXX and XXXX.
Consumer complaint received 2017-08-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (WA)

The problem is that the loan I took out with USbank is an Installment loan. With no future advances. That the deed of trust that USBANK does not reflect this.
The Deed of trust that USBANK recorded says in clear english that I have line of credit. It also says that I can make future advances.
Even after USBank has reviewed this they still say they have done nothing wrong even the DEED OF TRUST and their letters are clearly are in conflict with each other.
I am Requesting that USBANK make an amendment to what they recorded to CLEARLY reflect that the loan I have is an INSTALLMENT LOAN.
This is needed because 5 different title companies have reviewed the current Deed OF Trust that USBANK sent to their title company to be recorded. All 5 of the title companies that I had review the Deed of Trust inturpeted the current recorded DEED OF TRUST to say that I have LINE OF CREDIT with future advances not an INSTALLMENT LOAN. All 5 companies state a letter from USBANK that says it is an installment loan does not change what they had recorded and all 5 companies said that could offer title insurance on the property with the loan recorded as and Installment loan.
As a result of USBANK interpetation of what they recorded and refusal to amend what they recorded to more clearly reflect that I have an installment loan has kept me from being able to get a Home Equity Loan and has cost me 5 months delay in getting a loan and has currently cost me .25 % on any loan that I will get. This quarter point will cost me {$5300.00}.
Consumer complaint received 2017-08-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

Reference : Ally Bank Case # XXXX -- XX/XX/XXXX -- Spoke with Ally Bank Rep regarding incorrect monthly interest payment based on my current annual interest rate of 1.5 %. I was told that in 10 business days I would receive the interest payment, in arrears, from XX/XX/XXXX.
-XX/XX/XXXX-I followed up with Ally Bank Rep since I had not received the interest payment in arrears. I was told that nothing was done, but that it would go out this day, XXXX, at Ally 's expense, and that I could call back after mid-night for a XXXX XXXX tracking number, and that I would receive my check in 3-4 days.. 

-- XX/XX/XXXX-I followed up again to obtain the tracking #, but an XXXX Supervisor said  the recalculation was in process and that there was no tracking number yet. 
I was also told that I would be contacted by XXXX within a day with an update as to tracking number and check amount. 

-- XX/XX/XXXX-No update received
Consumer complaint received 2017-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MA)

I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. They charged me XXXX fees for not having insurance coverage even though I have maintained full coverage for the entire period of the loan so far. When I refused to pay the extra fees, they began applying my monthly payments to the erroneous fees and then charging late fees. Finally they have charged off my account and will not correct their errors despite over 10 phone calls, email exchanges and discussions through the mail. They are also inaccurately reporting the incident to the credit bureaus, which show that I have not been making payments even though I make the agreed-upon payment ( from the initial contract for the auto loan ) every month and have never missed a payment.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (CA)

I have been a new Ford customer for the past two years. My first two vehicles I leased a XXXX Ford Focus and returned it with no issues. On my second vehicle, a XXXX Ford Fusion, I traded in my lease early X/XX/17 being advised I was eligible for an early bird trade in. I traded the Fusion in and picked up another XXXX Ford Escape Titanium. 

I periodically checked in with Ford Credit 's website to see that payment was still due but I was assured by the sales rep that all the paperwork was completed that day and I had nothing to worry about. When I received letters that payments were missed, I followed up again and going forward I have made no less than a dozen calls into Ford Credit and half a dozen calls into the Ford Dealership in XXXX, CA to get the issue resolved. 

Ford Credit made contact with the dealership and confirmed the details with the GM and the sales rep, yet still continued to bill me the remaining 3 months as well as report to the credit agencies that I am delinquent on my payments. 

There have been several lease end managers that have been handling my case who have made contact with XXXX XXXX 's dealership. Each time they have stated I would receive follow up phone calls to update me on the issue and promised me that it would be fixed. However, each time I have had no follow ups done. I am on the phone again now with XXXX and she has again promised me to accomplish what all the others have promised me. 

The error seems to be that XXXX did not send the early bird termination papers and payment or that Ford Credit lost that information. But even with contacting the dealership, confirming that it was an early bird termination/trade in, I am still being asked to pay Ford and Ford has done nothing to repair my credit. 

The aggravation, distress, and time at work spent on dealing with this matter during working hours must be worth something. Additionally is this common practice at Ford Credit and lease end returns? It does not seem like there is any competency at Ford at the Credit department and at the dealership which makes a consumer suspicious that this is widespread.
I now turn to CFPB to see if we can get some movement on this as 3 months later they are still looking for papers ( even after the leased vehicle has been inspected, traded in, and facts verified ).
Consumer complaint received 2017-08-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY (GA)

My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2017. {$2900.00} was issued by Chapter XXXX Trustee to Wells Fargo to clear my auto title. This amount was sent to the wrong address and returned to the Chapter XXXX Trustee. Now Wells Fargo will not release my vehicle title. Wells Fargo claim that they have not been paid. 

I have a copy of the Trustee 's Final Report and Account, which states Wells Fargo Financial was paid {$2800.00} plus {$150.00}. 

Can you please intervene.
Consumer complaint received 2017-08-23
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. (IL)

In XXXX XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XXXX XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XXXX XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XXXX XXXX and still found XXXX XXXX  reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XXXX XXXX XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help