davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$20000.00}.
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

In XX/XX/XXXX, my township tax office was contacted by Loan Care ( who serviced my XXXX XXXX ) and was told that a tax payment made on my property earlier in XX/XX/XXXX was not intended for my property and needed to be refunded. At Loan Care 's request, the tax collector issued a refund ( equal to XXXX quarter ) back to Loan Care - thus making my property taxes delinquent. The initial tax payment was paid from MY escrow account and was then refunded to Loan Care and NOT back into my account. I was not notified of this until my tax collector contacted me several weeks after the request was processed. 
In reviewing my detailed escrow statement, these funds were never returned to my account, although I had made all escrow payments as scheduled while Loan Care serviced my loan. The loan was since closed as I refinanced through another company, but this was never resolved. 
Over the past several months, I have contacted Loan Care 's customer service at least XXXX times and submitted XXXX requests for a " customer advocate. '' To date, I have received ZERO response or resolution to my multiple requests. The fact that my requests are being completely ignored is beyond comprehension. I need a response. As far as I can tell, Loan Care owes me a significant amount of money and is refusing to acknowledge that fact.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

the company loan care took out a double payment and will not refund it. they told me 3-5 day and then i called back and they said they could not refund it. they have cause my bank account to be over drawn and a ripple effect. my payment is XXXX they took out XXXX of them. the second issue they are trying to raise my house payment by charging me a closing cost and mortage insurance that i already have ..theres is more money, might i add. my house is worth {$68000.00} and i have it insured for {$210000.00} which is way more than enough. XXXX which is my insurance company tryed to call them twice and Loancare told them to mind there own business.who treats people like that? we live pay check to pay check and im XXXX and we have XXXX small children.it has caused us panic and unnessary stress.please help us
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TN)

1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Experian, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

I am having a problem with Chase Card. They are reporting an inquiry to XXXX that was not authorized by me. Someone accessed my Amazon account and applied for an Amazon Credit Card. I have contacted XXXX and Chase card and neither company will remove this fraudulent inquiry from my report.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

credit card for XXXX rewards card was opened in my name. Called and had card cancelled, Chased put it down as identity theft. Would not give me any details from the credit application ( ISP, alternate mailing address, etc ). Have since received two ( 2 ) more notices from Chase that I was turned down for an XXXX rewards card. Notified them both times that I did not apply for one and they marked them as identity theft. Chase will not give me any details, have n't yet tried to call XXXX. Chase says they will not attempt to block any future applications, they have to process them. Issue started in XX/XX/XXXX. & XX/XX/XXXX, then XX/XX/XXXX
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (DC)

After loosing my Camera, I call the number on the back on my card. They said my purchase is covered by purchase protection under the " accidental separation '' clause with my Ink card. Chase They said I must file a claim at XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX says under no circumstances are any " accidental separation '' covered.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I opened the freedom credit card with Chase bank XX/XX/2014. I used the account once, but my account was compromised - with someone using my account at different points, once in XXXX, XXXX. The freedom credit card was linked to my checking account and Chase withdrew money to cover charges I did not make. They refunded some of the monies, but a portion is outstanding..
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

We purchased our home in XX/XX/2016. In XX/XX/2016 our mortgage was transferred to another bank. In XX/XX/2016 it was transferred yet again to another bank. Our last payment to the second bank was misapplied onto principal instead of to our monthly payment. Since XX/XX/XXXX we have been in continual contact with the second and the third mortgage company trying to get the XXXX payment put back onto having been XX/XX/XXXX payment instead of some random payment to principal. We were worried about our credit looking bad and finally made a payment to the newest lender with their assurance it would be applied to XX/XX/XXXX ( not reapplied to XX/XX/XXXX, as that payment was trying to get fixed ) but it was n't and we are now repeatedly coming up as weeks behind on our mortgage. The chain of our mortgage was : XXXX then XXXX and now Loancare. We have done all that we could and decided to reach out to you for help.
Consumer complaint received 2016-06-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

I put {$7000.00} in an IRA CD at .5 % for 19 months. I never was told of any maintenance fee when iniating the CD. 9 months later ( XX/XX/XXXX ) I was sent a letter from US Bank wanting a yearly fee of {$30.00}. At most I will actually have the meager {$35.00} go for fee and federal taxes this year, and as I complete the remaining 7 months of the CD, wo n't make enough to pay fees and taxes. In addition, the letter said that if I do not mail in the yearly fee, US Bank will take it out of the CD. If I had been given this information on the cd document of the fee, there would have been no transaction. No other bank that has my IRS impose such a fee, especially in this concealed manner. I would be financially ahead by putting my {$7000.00} under my mattress! I complained to US Bank. They say that they will waive fee. I wait to see. However, how many retirees suffering from low interest rates are actually only paying back banks with maintenance fees that should have been meager interest in the retirees income? State the amount invested, percent interest, term, and disclose any maintenance fees on front of cd at minimum. This the first bank to do this in all my years of participating. 
been given information on the cd document of this fee, there would have been transaction.
Consumer complaint received 2015-06-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (FL)

Dear Sir or Madam, On XXXX XXXX, 2012 I signed a contract with US Bank to lease a vehicle for XXXX years. As of today, I decided to buy the car. I have called US Bank in multiple occasions requesting a clarification about the pay-off amount that does not reflect the exact amount stipulated in the contract. When I go over the clauses of the contract they mention different amounts that have not been reflected on the contract. The purpose of this letter is to report the abusive practices from US Bank. This financial entity makes up numbers and inflate the real amount due without providing any reason. For example : the residual value is always equal to the purchase price plus tax or any fee. In my case the residual value was different to the purchase price without applying any fee or tax. In the contract appears reflected that if I exercise my option to purchase the vehicle no additional fees will be applied. US bank still charges additional fees in a clear violation of this clause. As I have already mentioned, I have called XXXX times and they never provide any explanation. I would like to report US Bank for abusive, usury and misleading practices.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

Premise : I ordered book of checks via US Bank web-portal service. 
Few weeks went by, still not having received the checks, I called in to find out that they have sent it to some random address. The rep then proceeded to cancel the incorrectly mailed checks, and issued me new ones with the correct address. 
Here is the caveat : the rep issued the new checks with EXACTLY the same number of the checks he had canceled therefore rendering all newly issued checks useless. 

Result : All the checks I had wrote ( lot outstanding keep in mind as I had to wait about 2 months from the initial ordering date ) were bounced. Out of all the bounced checks, XXXX was actually to the XXXX, where we had paid higher premium to have an application expedited for a family member. What was suppose to be the tail end of 2-3 month process had to start ALL over, not to mention penalties that came along with it. 

Actions taken : I called multiple times and was assured multiple times that a supervisor would call to discuss reimbursement of the penalty fees applied for parties that deposited the incorrectly issued checks on behalf of US Bank. 
Even to their request, I had emailed over two attachments illustrating all the bounced checks/fees and even the rejected application letter from US Government due to bounced check. 

To this date, I still have nothing resolved. No reimbursement of the bounced check fees for my other parties. Nothing was done at all, other than an apology letter that says to call their XXXX number for any questions. 

Extremely frustrated, unprofessional and simply unacceptable for a banking institution to mess up to this degree and leave it unresolved.
Consumer complaint received 2017-02-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

I received a XXXX int from U.S. Bank for XXXX. I do not have a interest beaRING account with this bank. Neither have I ever. I had a mortgage loan with them in which I sold the property in XX/XX/2015. Mortgage account XXXX was closed in court on XX/XX/2015. I have never any account other than a mortgage. This XXXX XXXX is for interest income. I '' ve tried calling to no avail. I am XXXX.. I do not want to have to pay somebody to do taxes because the IRS didnt get the XXXX dollars they are owed on this money. I did n't receive it I not paying taxes on it. If I have to I will report to the IRS but under fraud. Because any fool knows you would not get a XXXX int on a mortgage. Maybe a XXXX but not a XXXX.
Consumer complaint received 2016-04-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I have a bank account with US Bank and created my personal account there. I was told there would be no charges, and there were none for a while. However, recently I have been getting charges on XXXX accounts. I opened XXXX because I was doing the personal banker a favor by opening accounts they called me out of the blue to open. They told me they needed them for the quota for that month. I stated as long as I do not get any fees I will open them I am getting fees on them like monthly maintenance fees and getting coinage fees. I can not afford these fees and I do not apreciate them charging me without my knowledge.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (TN)

I had a line of credit with this company and went to close the account about XXXX months ago at the branch I applied for the credit at. I had a balance of about {$5.00} at the time due to a previous bank error with a different bank. I wanted to pay the deficient balance but wass told not to worry about it. I was told they would wave this fee and that my account would be closed. Today I received a letter in the mail advising me my account was over XXXX days past due. I called the XXXX number listed and was informed that the local branches can not close the account and that there was no attempt to credit my account the deficient balance as previously stated. I was not informed of this at the branch I went to. I did not even receive any phone calls or any other letters at any point to inform me my account was approaching XXXX days past due.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (KS)

On XXXX XXXX, XXXX, I order XXXX Vitamins via their website and selected " Rush Trial ''. After which the website added several additional products, XXXX and XXXX XXXX, to the order that I did not intend to order nor did I want. I immediately called the number listed on the website and cancelled the entire order. The customer service representative assured me the order was cancelled. However, I received a shipment of items from the company via mail. I refused the shipment and it was returned to the original sender. I was never issued credit for the XXXX items. I then filed a dispute case with my credit card issuer. The card issuer, US Banc Corp, issued provisional credit on XXXX/XXXX/XXXX. However on XXXX/XXXX/XXXX, the provisional credit was reversed and they indicated that the shipment was never returned nor was it cancelled. The history of the tracking number clearly indicates that the original sender received the item back and that the items were indeed refused.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (TN)

I pull my credit file and I saw this credit card company on my credit report that I did not apply for ELAN FINANCIAL SERVI Acct # XXXX. I reach out to this company about this credit card and ask them to provide me with proof and to verify this is my account. Also the company has not provide me with any proof and this is still on my credit report please help me with this matter..
Consumer complaint received 2017-01-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (MD)

I was contacted by BB & T 's XXXXXXXX branch. In particular, I was contact by XXXX XXXX, the Mortgage Loan Office for BB & T at the XXXX branch. A number of years back I had financed a property with BB & T so, obviously, I was in their database for telemarketing. After a discussion with XXXX, I agreed to begin the process of refinancing both my primary residence and a rental unit. 

After providing all the documentation, I was assured by XXXX XXXX that I would have no trouble getting approved. I have over a XXXX in liguid assets, I earn XXXX per year plus bonus. I have an XXXX XXXX score, and a flawless employment history. So I was n't surprised by XXXX XXXX 's assurances that I would be approved. In fact, I could secure the loan with hard assets if needed ( I was n't asked ). After being assured by XXXX XXXX that there were no issues with my loan application, I decided to proceed with obtaining the necessary appraisals and paying the requisite fees. 

Incredibly BB & T denied the loan because I am currently working as a XXXX XXXX for a company in XXXX and not a XXXX employee. Prior to proceeding with the loan application, I submitted my contract outlining my fees ( XXXX per year + XXXX bonus. At no time, did XXXX XXXX indicate that this would be a problem. BB & T verified my employment agrangement with the company. So, based upon assurances from XXXX XXXX I proceeded with the loan application. The appraisals and fees were in excess of {$1000.00}. 

I firmly believe that XXXX XXXX 's actions were a gross violation of her fiduciary responsibility to advise me that a XXXX arrangement with a company would be a problem for their underwriter. I also firmly believe that their actions are reckless in pursuit of increasing their profits by failing to advise clients of the potential issues that may be raised for employment situations such as mine.
Consumer complaint received 2016-12-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc (MD)

I filed a complaint against United Consumers stating that these bills from XXXX were disputable and I wanted them to send the bills back to XXXX because their were details I wanted them to explain, and I did not want United Consumers to share in my medical information. Not only did XXXX share my personal information with United Consumers, they put XXXX accounts on my credit reports. This is a violation of HIPAA. I have notified the Centers for Medicare and Medicaid Services as well as the Department of Health and Human Services that is in charge of HIPAA violations.
Consumer complaint received 2016-07-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JMD,LLC (CA)

High Desert Creditors has placed a collection account on my credit when they never once contacted me and attempted to validate this debt. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I have lived at the same address for 11 years and not a single notice has come to that address yet it is on my credit report. I am a XXXX and this is impacting my employment.