davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I have been with CHASE BANK for more than XXXX years. 
I had my account overdrawn several times and been able to put money into my account to cover the debt in the day or XXXX never been charged for overdrawn. 
Now if i do n't put money into my account the same day before XXXX i get charged a fee of XXXX dollars. But i do n't receive any call or email that my account is overdrawn for me to be able to cover in time. i get charge XXXX dollars for a payment of XXXX dollars that did n't go through when my check are pending ... 
This is frustrating how bank become so unpersonnal and does n't work with us but feel like they are happy we are doing bad!!! 
What kind of society are we in?
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc. (FL)

I recently applied for a home loan. On my credit report shows a medical balance of {$210.00} with SCA collections XXXX XXXX. I disputed the information as I had never received a bill. Apr XXXX XXXX XXXX sent a bill. The first person I spoke to last week threatened to call my landlord. I tried again with my husband talking to them. They were very rude and stated they had mailed a bill I never received in XXXX XXXX. I also doubt this to be true as I updated my address with the bureaus last month. I asked if I paid the bill in full without even knowing if it was mine can they remove the collection. They stated no. I am being denied a loan because of a medical bill I never received. If a copy of the bill is needed I can upload it. I understand medical billing is a complex issue and outsourced lab work and so forth often do not know the insurance to bill. I was an employee at XXXX and most procedures if done in network, the hospital waives the charges beyond my co-payment. I am only asking them to remove the debt from the bureaus if I pay it in full and to send a complete medical itemized bill so I can see if insurance was billed properly. They declined when I disputed the bill.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Sentry Credit, Inc. (SC)

Contacted Sentry Credit located at XXXX, XXXX, WA XXXX in late XX/XX/2017. A phone call for information was made on XX/XX/2017 to the office located in XXXX, WA and the collector that answered yelled and claimed NSF fees have been incurred. I held my composer and asked to speak to a manager and was transferred to a male representative who did not know anything related to credit reporting and the random account that was placed under my name. After being yelled at by this company and not getting any information pertaining to a {$260.00} amount hanging on my credit I am requesting removal of the account from my credit report. The Company did not act within legal parameters by threatening me verbally on the phone and later changing my commentary and statuses on my credit report. There is obviously something wrong with a company if they start adding random commentary on my credit report. I received no information about this debt within the legal time-frame. Under regulation 809 as stated within the Fair Credit Collection law, Sentry Credit did not respond to the consumer within five days after the initial communication in connection with the above debt. The credit needs to be removed immediately due to noncompliance with FCC law and FCRA.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (CO)

I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LendUp Loans LLC (CA)

According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (IL)

I AM LOCATED IN XXXX ILLINOIS. THIS STATE SEEMS TO HAVE FALLEN OFF THE RADAR FOR REGULATORS. IT ALSO SEEMS THAT OUR STATE REGULATOR- THE IDFPR, DUE TO FEE REVENUE, IS IN THE POCKET OF THE REAL ESTATE ASSOCIATIONS. 

OVERSIGHT AS A WHOLE SEEMS WOEFULLY INEFFECTUAL REGIONALLY. I SEE A GREAT DEAL OF COLLUSION BETWEEN REAL ESTATE BROKERS AND MORTGAGE COMPANIES IN AN ATTEMPT TO NOT DELIVER VALUE BUT TO CAPTURE MORE REVENUE SHORT FULL DISCLOSURE. 

WE HAVE MANY COMPANIES THAT ARE TIE INTO EACH OTHER USING 'MSA 'S AS A FIREWALL OR FRONT IN DIRECT VIOLATION OF CONSUMER INTERESTS. SOME OF THE FIRMS I WOULD LIKE TO MENTION ARE : GUARANTEED RATE, HOME STATE BANK, XXXX XXXX XXXX XXXX REAL ESTATE, PROSPECT MORTGAGE, XXXX WITH XXXX XXXX AND PILLAR MORTGAGE DIVISION OF XXXX XXXX XXXX. 

GUARANTEED RATE SEEMS TO BE PROLIFIC. THE COMPANIES THAT CHANNEL BUSINESS TO GR FOR PROFIT ARE, TO NAME A FEW, @ PROPERTIES, XXXX XXXX AFFILIATED, XXXX XXXX AND MANY XXXX OFFICES. 

CONSUMERS ARE NAIVELY DIRECTED TO THESE XXXX MORTGAGE COMPANIES AS THE REAL ESTATE BROKERAGES PREFERRED LENDER AND IN 99.9 % OF THE CASES NO DISCLOSURES IS GIVEN TO CONSUMERS THAT A FINANCIAL BENEFIT EXISTS BETWEEN THE FIRMS.
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RICHLAND HOLDINGS, INC. (NV)

My employer has taken the initiative without validation of debt in garnishing my wages from XXXX, I do n't even know who they are and now I am on the verge of becoming homeless not able to cover all bills including my entire rent. I know as a consumer I am very aware of the guidelines under the FDCPA and the supervision of the Federal Trade Commission and I am not to be garnish anything without seeing a judge in court. I am ready to take legal action against them if first XXXX does n't validate the debt, I will pursue to file a complain against them ASAP
Consumer complaint received 2016-10-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IL)

I have been trying, unsuccessfully, to get a loan modification for my mortgage with US Bank. Even though I meet some, if not all of the criteria to obtain such help, I was denied ANY and ALL help, even though they signed an agreement with the government to offer homeowner 's assistance to prevent foreclosure on their mortgages. I have done some research and there are thousands of people in my same situation with this bank. I think US Bank Home Mortgage should be investigated for their failure to provide homeowner assistance.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I am writing to complain about a penalty charge of {$89.00} put on my sole current account at US bank. 
On the morning of XXXX/XXXX/2016, I checked my account which showed a balance of negative {$20.00}, while in the process going to the bank to deposit the {$20.00}, I was told that my account was actually negative {$89.00}. I attempted to call customer service for assistance, but was scolded about what : my job '' is as a customer. There was no valid explanation about why the account showed XXXX different balances, within hours apart. I am requesting assistance from the Federal Reserve Consumer for help. bill. transaction. I do not understand this as I was not overdrawn on my account at that time.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}. I then immediately call up Wells Fargo and issue a claim on the scam. Through transfer after transfer, I finally get my claim issued, after multiple telling me that ill most likely get my money back through the claim due to the information on the scam. Today, on XX/XX/XXXX, I follow up on the claim and here that the issue has been closed and declined due to it being XXXX related, this ofcourse after a countless amounts of transfers once again. According to Wells Fargo employees, XXXX claims never come back approved, so why even issue the claim in the first place, in addition why would multiple tellers tell me that they were confident in receiving my money back. In addition, apparently any XXXX account can be created with any phone number, and not the one thats tied to the bank account, which sounds like a total security hole. The money should be issued back from Wells Fargo as a refund due to the fraud protection, with money transfers are included in, which includes XXXX.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNTRUST BANKS, INC. (NC)

1 ) Please provide the name ( s ) of guarantor ( s  ) for loan #  XXXX .      2 ) Provide the name ( s ) of ind ividuals whom applied for credit for loan #  XXXX .     Thank you -  XXXX   XXXX
Consumer complaint received 2017-01-09
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) (MD)

I declared bankruptcy in 2013. I was approved for bankruptcy. This company continues to call me, my family, and my place of employment threatening me with lawsuits and arrests. I have given them by lawyer 's information at least 10 times, and they continue to harass my family and I.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NH)

After filing for a Chapter XXXX bankruptcy pro se on XX/XX/XXXX, I consulted with a bankruptcy attorney, XXXX XXXX of XXXX, NH, to help me. I was advised it would not be in my best interest to proceed with the bankruptcy, and I should immediately file a motion to dismiss the petition. On XX/XX/XXXX, Attorney XXXX filed a Motion to Dismiss, and Chief Bankruptcy Judge XXXX XXXX XXXX granted the Motion on the same day. During this time, I continued to pay my monthly bill to Synchrony Bank/XXXX 's from my own personal checking account. Needless to say, the various credit bureaus began reporting the bankruptcy petition and I soon noticed the information being posted from Synchrony Bank/XXXX 's was incorrect. After repeated attempts to show I am not in bankruptcy and that all scheduled monthly payments to them were being made, Synchrony Bank has made little or no effort to send the correct information to the credit bureaus. Now it appears my account may have been sent to collection.
Consumer complaint received 2015-03-24
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (MN)

The student loan debt was collected by my tax refund offset for the full amount. ConServe withheld a total of {$92.00} between the XXXX loans by not paying the full amount offset. I believe this was to keep me in default so that I will pay the {$1200.00} in fees and costs they say is owed to them. But as far as I know once a student loan in collections is paid by tax offset they can not collect fees for collecting it because the debt is satisfied.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I was written a check from my former room mate to cover her rent and I wen to ACE check cashing to cash this check. The check was bounced and now Ace is calling me to pay the money back. Its beginning to be harassing and takes minutes from my phone with each call they call at least three four times a day. I dont think I should be the XXXX they go after regaurding this matter it should be the person that wrote the check. I live on a fixed income and I feel like a victim in this case I am loosing minutes and i only have a government phone I use it for my doctors because I have a life threatning illness. I just lost and wish the calls stop.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (TX)

I took out an installment loan with a company called Big Picture Loans ( XXXX ). The loan was for {$800.00}. The company required automatic payments in the amount of {$280.00}. After making XXXX such payments with no issues, I received an email from them saying that they would take out an additional withdrawal in that amount ( I had already paid them {$1100.00} ). When I called to ask how much I had remaining to pay, they told me I still had to pay {$1000.00}. When I pressed them for details, they told me that the {$280.00} that I paid each month was for finance charges only, and that I had been required to make additional payments over that amount to reduce the principal balance ( that in order to reduce the principal by {$200.00}, I would have to pay {$480.00} ). The loan agreement did not state this extremely high interest rate, and was not informed of this until after the fact. In addition, I told them that they were no longer authorized to automatically debit my account, and they told me that they would be unable to stop the payment, which was " pending '' for the next day. This forced me to have my bank stop the payment after the fact.
Consumer complaint received 2016-05-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (MN)

I took out a XXXX loan and I called Big Picture Loans and asked if this was a " payday '' loan, they stated no, They stated the Finance charge would be XXXX. I agreed to that thinking XXXX Time or over the first XXXX payments, I was not told it was going to be XXXX x XXXX payments for a total of XXXX. 
Nor was I told or had access to the truth in lending document until after I agreed and the document was uploaded to my acct. the annual percentage rate is XXXX the Finance charges will cost me {$2600.00} for a loan for XXXX the grand total would be XXXX
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (MD)

Update to credit file not being applied to my report for more than 30 days, balance is reporting as unchanged by Credit Karma, although my credit union reports it monthly on the XXXX none of the credit reports is showing correct information on balance for past 45-60 days.
Consumer complaint received 2016-04-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Red Cedar Services, Inc (NY)

after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CT)

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and equifax ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( equifax ) was nearly the same and the third score ( XXXX ) was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, equifax, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score XXXX times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I filed for Bankruptcy on XXXX XXXX, 2009 but changed my mind and it was dismissed on XXXX XXXX, 2009 by the courts. Equifax is the only credit reporting agency that will not remove this from my file even though it was never processed and the court sent them the Dismissal order. They intend to leave this on my report which lowers my scores for 10 years as if a Bankruptcy took place. According to the courts the dismissal order should have eliminated that. I tried speaking with a representative at Equifax to find out why they wo n't remove it and she kept saying the court sent it. I 'm trying to get my credit back on track but this is a major setback. Is there anything else I can do to get this off of my report?
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I have decided to write XXXX complaints a day against Equifax in order to try to get them to follow the law and stop violating my rights. As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXXn did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I went to the bank and was encouraged to open a platinum banking account, as I was told it was a more appropriate match for my banking needs. They left open the old account and opened a new one. I then learned XX/XX/XXXX that the bank, without my written or verbal permission, at the same time also opened a line of credit directly linked to my bank account. Due to the multiple accounts and confusion with which account was being debited, there were charges which overdraft one of the accounts. Instead of covering the overdraft with another one of my bank accounts which had plenty of available funds, they instead paid the charges using this line of credit I was completely unaware was ever even open. I never received letters about this either. I found out years later that I had a balance of over {$2500.00} in this line of credit thanks to the over 20 % interest rate. I never would have agreed to this line of credit, never signed for it, and it was opened completely against my will and without permission. I let the bank manager know of the situation and asked that she investigate the matter and try and get the interest waived or at least partially waived given the fact that it was opened without my consent. I even provided the paperwork I was given when I did open my account and it shows nothing of this line of credit. After waiting until XX/XX/XXXX for this to be investigated, I had received no assistance so I paid the balance in full and asked that they continue to try and handle this. I found out today that they not only did n't follow up on this matter or contact me but never even closed the account. I asked that it be closed and that a credit be made. I am willing to bet that US Bank opened hundreds in not thousands of these lines of credit without ever notifying customers or getting their permission. US Bank has probably made an enormous amount from interest from accounts they opened with no permission or knowledge of their customers.