davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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)

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 XXXXXXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (PA)

In XXXX of XXXX, I had XXXX student loans that were in the deferment through J.P. Morgan Chase. At the same time I had an application pending for XXXX discharge of my student loans. I called customer service, of the servicer for the JP Morgan Chase student loan, numerous times to make sure that my student loan deferment was still in place while I was waiting decision on my application for discharge of the student loans because of the XXXX. They assured me I was fine and I did not need to make a payment pending decision of the discharge. Ultimately I was approved for the discharge and the loans were assigned back to the government and discharged effective back to XXXX. However I have 120 day late as of XXXX XXXX that should not be there and I can not get J.P. Morgan Chase to resolve this issue on my credit report. I was advised over and over that I needed to do nothing until the discharge went through. However they are showing a late on my credit report during the time they told me I did n't need to do anything and it was still deferred. I have disputed it numerous times with all XXXX credit bureau 's and they will not fix or delete the account. This is my last attempt, before I file a lawsuit for the damages I have incurred by higher interest-rate, to resolve this issue. This XXXX account is the only negative account I have on my credit report. I was told that it should not be on there numerous times by the customer service representative 's that were servicing the student loans before the discharge was approved. Thank you
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (KY)

I was the Chase card customer. My card was fraudulent used XXXX, Chase refused to remove those fraudulent charges off my account and hold me responsible for those charges. 
Chase should respect there 's pledge and should investigate and remove those charges from my account. 
I have sent Chase my travel documentation indicate that I was not in the country during those charges. 
I was pick pocket and only copy of my passport was stolen not my original passport which show that I was not in XXXX during those charges.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I filed against Chase Bank refused refund {$900.00} for unfair and deceptive banking service, new account, and general practices. In addition, I do not happy with declined checking account with unfit Oregon resident records. I do not interest in XXXX XXXX XXXX within Oregon resident telling to U.S. Senators in highest serious matters! 

I was not happy with XXXX, XXXX XXXX XXXX, and Chase Bank in having hidden discrimination against my appearances & XXXX addresses and they hated my appearances as they made bad threatened against my appearances as everyone does not like me when I walked in these banks in Oregon due of unfit Oregon residents. I filed against XXXX XXXX XXXX, Chase Bank, and XXXX refused refund {$900.00} for unfair and deceptive banking services, overdraft, general practices. In addition, I do not happy with banking services with unfit Oregon resident records. I complained must released to file charge against these banks whose refusal refund {$900.00} in highest complaints against XXXX XXXX XXXX as they made bad threatened against XXXX XXXX XXXX that I do not allow female employees handle in this case. I was not happy with these XXXX, Chase Bank, and XXXX XXXX XXXX in bad banking business against XXXX XXXX XXXX appearances. They do not interest in meeting with XXXX XXXX XXXX as they avoid XXXX XXXX XXXX addresses messages to U.S. Senators and XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX cc : XXXX XXXX XXXX
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: TekCollect Inc. (VA)

XXXX XXXX CT XXXX XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention
Consumer complaint received 2015-06-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I have a complaint with Ally Bank Automobile Loan. I have accrued late charges on a car loan totaling over {$130.00}. Each time I try to make the payment online, it is applied to the vehicle payment. I have called and they have told my to add to the vehicle payment. I have tried with no avail. They hung up on me during my last call even though I was pleasant but not understanding how the late charges work or are accrued.
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CMG MORTGAGE, INC (NV)

I fell behind on my mortgage when I became ill earlier this year and was admitted to the hospital. Now that I am fully recovered I would like to save my home. I hired an attorney to assist me in applying for assistance from my mortgage servicer, CMG Financial / CMG Mortgage. My attorney recently contacted CMG Mortgage to submit my application and complete financial package and they are refusing to accept my application for assistance. According to my attorney, this is in violation of RESPA Reg X. CMG referred us to their attorney, XXXX XXXX, and said they are handling the mortgage now. My attorney has left several messages with XXXX XXXX over the past ten days and that office has never called back or responded in any way. CMG Mortgage has now also filed a Notice of Default and they are simply avoiding any inquiries from myself or my attorney in regards to trying to resolve my delinquent mortgage and save my home. XXXX XXXX never answers the phone and messages left with them are not returned. I have submitted my financial information directly to my servicer CMG Financial by fax. I have not submitted my financial information to XXXX XXXX because they wo n't pick up the phone.
Consumer complaint received 2016-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (NM)

21st. Mortgage has been sending my house payment back to me each month no matter how I make the payment. Then I get a letter letting me know there will be a XXXX dollar late fee. Upon calling them to try and set something up so my payment gets to them any way they want they tell me I have to make 6 payments myself before they can or WILL set any form of auto payments up. Basically I call them to find out why my payment was returned to me and they just cuss me outt telling me there was no payment made!! I tried going over the persons head to see what could be done but was told they did not care I HAVE MY credit union paperwork showing my payments were made and returned!
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

In 2010, My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) Equifax, is refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Equifax continues their noncompliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (DC)

After my mother died in late 2015, I proceeded to close her estate. I was co-owner with her on XXXX bank accounts with Chase Bank. Since at least XXXX, the bank has refused to return the money I had put in the account amounting to roughly {$2100.00}. After some wrangling back and forth, the account was frozen and then closed due to a fraud alert, but that was straightened out months ago. Now, after at least 5 hours of phone time and writing letters and sending her death certificate which the bank then processed, the bank issued a check in my name to my mother 's former XXXX. Turned out, the check was returned because the mail at my mother 's house was not forwarded to my attention. The bank then destroyed the check. I was then told I needed to change my address. So, I did that over the phone. I 've live in XXXX. After a great deal more time had passed and I had no update from the bank, I called again and was told I needed to update my address IN PERSON. The closest Chase branch is in XXXX. This is the XXXX. I am not driving all the way to XXXX to change my address with the bank. Then, alternatively, they said I would need to go to a notary, call the bank, and ask the bank to fax an affidavit and indemnity agreement for me to sign. I told them I would go to a XXXX nearby to see their notary. Then the notary would fax back the document signed and notarized to the bank so I could get my check. I asked them to be sure and update their notes. That was before the holidays. I was dreading going to XXXX to follow up and close this matter since I was afraid Chase would fail me again. Last Friday, I mustered up my determination once again and called Chase before I went to XXXX. Sure enough, after being transferred to XXXX different people and being on the phone for XXXX minutes -- mostly on hold -- they said they would not send the agreement to XXXX for me to have notarized. They said once again I would have to go to a branch. I have never seen such gross incompetence by a bank before. Finally, I threatened to file a complaint with you, or file suit against them. The rep then transferred me to yet another person -- the first who sounded like she had authority -- and she said they would investigate my complaint. They said it would take up to 24 hours. That was a week ago. I 've still not heard back. How can I get my money back? This is ridiculous! I also want to be paid any interest on the account. Please advise.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (IL)

I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied for a loan with Rocket Mortgage. I was initially approved for a XXXX loan. I eventually was approved for a loan up to {$500000.00} with a 3 % interest rate and an estimated payment of {$2800.00}. During the underwriting process I received several documents showing updated estimates of various costs. I obtained quotes for wind loss and peril insurance as well as flood insurance. On XX/XX/XXXX I received the closing disclosure document which showed estimated taxes of {$1600.00} and annual insurance costs of {$3700.00}. However the information that I had obtained and provided to Rocket Mortgage on XX/XX/2020 indicated that my total annual insurance costs would be approximately {$5300.00}. The estimated taxes verified by the property appraiser showed that they could be as much as {$10000.00}. In discussion with Rocket Mortgage associates, on or about XX/XX/2020 XXXX XXXX disclosed that the estimated taxes based on information obtained from the property appraiser would be {$7700.00} without a homestead exemption. The difference in the costs for insurance and property taxes between what was listed on the closing disclosure will result in an increase of {$500.00} or more to the monthly escrow payment. Once this increase occurs, my debt to income ratio on the back end will exceed 43 %. I believe this exceeds the debt to income ratio for a conventional loan. I pointed out issues with the estimated taxes and insurance to Rocket Mortgage staff on multiple occasions including XX/XX/XXXX via email when I asked for an updated closing document with the higher more realistic costs for insurance and taxes included. Eventually I conducted my own analysis and determined that my debt to income ratio with the higher taxes and insurance costs would exceed 43 % and would be closer to 46 %. 

I expressed to Rocket Mortgage staff on XX/XX/XXXX via email that I did not wish to move forward with the loan because I expected my monthly payment would be much higher than estimated and would be somewhere around {$3300.00} possibly more. I requested not to move forward with the loan and asked for a denial letter to stop the closing process. It is my opinion that Rocket Mortgage staff has not been truthful in determining the true monthly payment. They have ignored evidence of higher monthly costs, and ignored the debt to income guidelines. I am being forced to either continue with a loan I can not afford or lose my deposit of {$11000.00}, because of their refusal to decline the loan. Their refusal left me no other option but to withdraw for my own financial safety.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Accounts, Inc. (WI)

a few months back I noticed a decrease in my credit score so I investigated.I hired XXXX to look and they told me there was a collection action placed against me in XX/XX/XXXX by a company called United Accounts Inc. XXXX. So XXXX XXXX filed challenges with the credit bureaus and one has removed the item two remain. I also contacted United Accounts and was told this was supposedly a debt from an old landlord from XXXX This debt was paid in full by my father. We actually traded my living room furniture to the manager and he cleaned the apartment and washed the carpets. 
United accounts told me they received this debt in XXXX I then asked why I did n't receive a letter informing me of this debt, allowing the 30 days to challenge/prove I did n't owe it. They then told me that they sent a letter to the address I vacated I told them I was a student and never used that address I only used my home address and it was on the lease and I stated that the creditor should have provided that, At the very least when the first letter if sent was returned to them. I was then told they were not required to and eventually I would be forced to contact them with a collection item on my credit reports. 
This is when I filed the first complaint with your agency. I called your office last week and spoke to a gentleman there asking what happened because I just heard from a collection company in XXXX called XXXX attempting too collect on this.They told me the company that sent it to them was United Accounts. He then told me they very briefly responded to the complaint on XX/XX/XXXX stating they will send a letter to me and then apparently that closed the complaint. I informed him of this action by them and he suggested I refile a complaint and state all of this. By the way I have to this day never received any contact from United Accounts. So to sum it up United accounts received a paid off year old " debt '' and chose not to confirm this debt with me and when I filed a complaint very briefly answered it and never followed through with there answer but instead chose to punish me for filing the complaint by forwarding the debt to another collection company. This is XXXX!!!
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2015-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NJ)

Applied for Chase saphire credit card. I have an excellent credit. Received a denial on the basis that if within 2 years I was approved for XXXX or more credit cards ( any bank ) I can not get the credit card. It 's very deceiving, because had I known prior to the application that that would be the case I would n't apply and waste a credit inquiry which negatively affects the score! Very disappointed, Chase should disclose and tell the customers PRIOR to applying that this is a condition.
Consumer complaint received 2016-12-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

I have missed XXXX monthly payments and the company is calling me 10 times a day, starting XXXX until XXXX, 7 days a week. I feel that this is not legal and definitely bordering on harassment.
Consumer complaint received 2016-06-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (MN)

This is probably my XXXX complaint on this same issue. We are on our XXXX bank because our loan continues to get sold. the complaint is with Selene Financial. We were working on a loan modification which would involve taking off the mortgage an ex wife and adding XXXX names onto the mortgage. It also involved reducing our mortgage to fair market value. After months and months of paperwork and waiting we finally made a deal and got the ex wife removed, and the mortgage reduced to {$270000.00}. This was the end of XXXX 2016. The stipulation was we have to make XXXX consecutive payments of {$2000.00} and after the XXXX payment the new loan would take effect. We made our payments as instructed and the day before the XXXX payment was due we were told our loan would be sold. When asking if they can get the modification done first I was told ( see attached ) the the new loan company would honor the agreement. That was the last I was able to communicate with our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the paperwork as there is no way we should have to do it all over again. We held up our end of the bargain now Selene needed to follow through with theirs. I found it interesting that they made the deal with us the same day the loan was sold even though we were not notified it sold until XXXX XXXX ... .This actually been a two year ordeal..the bank before Selene was horrifying as well and I had made a complaint to you about them. They conveniently sold our loan to Selene before ever doing a loan mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a company to follow through with their promises. We called the new bank, XXXX and they said they do n't have everything and they still have the old mortgage and the original names. Meaning nothing of the new deal that Selene promised us is in their records. What I want is our loan Mod that Selene agreed to be in place ASAP with no more paperwork! It should have just transferred over since we did what we were supposed to do.