davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim XXXX XXXXXXXX Equifax has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following Tradeline in the resolution section have committed Constructive Fraud on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Equifax response they stated Information has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (TN)

I received a collection bill from XXXX. They are stating that I owe them XXXX due to breaking a contract, when I wasnt under a contract. I lived in XXXX for 3 years. During that I time, I used XXXX for internet and cable. I moved to TN  and XXXX does offer services in this area. When I spoke to XXXX, I asked from a copy of the agreement that I supposedly made but didnt hear back from them. They sent the collection notice to Credit Management in XXXX, TX.
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I opened a new Chase checking account at the XXXX XXXX, FL branch on XXXX/XXXX/XXXX. I had an offer for {$150.00} incentive for a new account. Yesterday XXXX/XXXX/XXXX I received a new coupon for a {$300.00} incentive for the same account I opened. I called customer service today to see if this can be credited to my account and the representative told me she did not handle that I had to go to the branch directly where I opened my account but XXXX did not foresee any issues with my request. I called the XXXX XXXX branch where I opened my account and spoke with the branch manager who said I was unable to get the additional incentive as I am past a 21 day period where this change is allowed. I find this to be wrong as I am a new customer who wishes to have an ongoing relationship with Chase and they can not override this issue? This is ridiculous.
Consumer complaint received 2017-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

My home purchase closed   XXXX   XXXX   XXXX    , with the first payment due   XXXX   XXXX  . My mortgage lender sold the loan to LoanCare , LLC for servicing. My lender tole me I would receive paperwork from  the servicing company a nd not to worry if there were " a little slow '' because I would n't be charged a late payment. Having received nothing by   XXXX   XXXX  , I contacted my lender, who tole me the correct payment amount and emailed me a copy of the notice of assignment. He recommended calling the company to verify the address to send payments. On   XXXX   XXXX  , still having received nothing fro m LoanCare, I called the number on the notice of assignment. The automated answer system a  sked for my account number, so I entered the loan number on the notice of assignment and was informed that was not a valid account number. I was able to continue by entering my SSN instead. I   was treated to an extensive automated run-around that lasted nearly 10 minutes. It finally gave me an option to speak to a live person, and when I punched that number on my phone, the system cut me off. I tried calling back and was cut off much earlier in the run-around. The phone system had informed me of a web address for LoanCare, so I tried th at next. The website also informed me that my loan number was incorrect, and it did not offer an alternative os using my SSB, so I could not proceed. I had no choice but to send my payment to the address on the notice of assignment and hope for the best. I included a somewhat tart letter outlining my significantly negative experience and suggesting the least the company could do would be to inform me of my correct loan/account number. They cashed my check but I have received no communication whatsoever. On   XXXX   XXXX   XXXX    , I again contacted my lender asking where I could file a complaint.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NM)

Pnc not closing accounts as ordered failed to return {$5700.00} put check on hold for over 1 year without any due diligence or any attempt to validate or dishoner check in question. Then after Pnc closed my account In XXXXXXXX XXXX XXXX withholding my funds this entire time until complainant filed with Cpfb and FDIC then Pnc without my authorization reopened account and removed hold on check but froze account due to alleged suspicions on account wich I cleared that up and took full responsibility as it was out of pure necessity for my survival And if due diligence in investigating check ownership and contacting issuer for clarification or validation of my transaction under creation of remote checks law I was within my rights and authorized by all payees to reset a remote check for redirecting funds according to previous contract between landlord and mr XXXX XXXX who are both payees on instrument wich all documents official letters etc have been provided to Pnc at Louisiana branch in XXXX and executive customer relations team please enforce law on institution or forward to agency of authority Note******* ongoing issue NOT a DUPLICATE complaint
Consumer complaint received 2015-07-16
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CITIBANK, N.A. (OH)

I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00}
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

Please Help! Nobody, explains the process and several " Homeowner Support Specialists '' have handled my file changing hands constantly, information gets lost and the process has been held up due to delays with the servicer for several months, waiting on modification for months ... this is a nightmare.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Reference previous complaint XXXX This is a follow up to the referenced complaint. An XXXX XXXX phone number XXXX contacted me to the effect that she was handling the complaint, she was going to listen to the phone calls etc. AND then she would send me a letter when the investigation was completed. I responded all well and good but what about changing my recurring payment to {$120.00} per month like I have been requesting and being told the change was made when in fact only a change for one month was made and not my recurring payment changed to {$120.00} She responds I did that already and a one time payment change for XXXX was made. At that point I lost it. She did the very same thing that the original complaint is about. Just made a one month change and just like the other customer service reps, not following instructions. She is as pathetic as the three customer service reps I complained about. Also she was rude and just kept saying it was under investigation, etc. She said a letter went out and sure enough I received it yesterday and it stated a one time change for XXXX and then it would go back to {$250.00}. I am going to write to the attorney general and the state banking commission.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WA)

After checking my credit report I found XXXX accounts that I did not open. I contacted the institutions involved and informed them of the problem. I contacted the local police and opened a complaint. I received a case number. My adult son opened these accounts while he was living in my residence. He has since fled to California. 
He restricted phone and mail access to cover what he was up to. 
He also opened a XXXX XXXX account, but when I contacted them they refused to cooperate and threatened me with collections.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (VA)

SOLD PROPERTY IN 2010,,, HAD XXXX WITH CHASE BANK, I WAS XXXX MONTHS LATE AND HOUSE DID SELL. ASKED FOR PAYOFF AND RECEIVED NO HELP WHAT SO EVER. WAS TOLD THE HOUSE WAS IN FORECLOSURE BUT I NEVER RECEIVED ANY PAPERWORK OR NOTICE FOR THIS. CHASE ALSO HELD OUT FOR XXXX MONTHS AND CHARGED ME PENALTIES AND INTEREST THRU THIS PERIOD OF SEVERAL XXXX DOLLARS. CALLED THEM AT LEAST A XXXX TIMES AS WELL AS THE CLOSING ATTORNEY ALSO. NEVER RECEIVED ANY RESPONSE. TO THIS DAY I HAVE CALLED AND ASKED FOR ALL THE ORIGINAL PAPERWORK AND STILL GET A RUN AROUND. THEY REPORT TO THE CREDIT BUREAU THAT THE HOUSE WAS FORECLOSED ON AND THAT WAS NOT THE TRUTH. CLOSING WAS DELAYED DIRECTLY BY THE BANK IT SELF AND I HAVE TO PAY.
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

PLEASE SEE ATTACHED 1 ) FTC FRAUD REPORT 2 ) POLICE REPORT 3 ) ID THEFT LETTER FROM FTC 4 ) COPY OF ID PROVING RESIDENCE IS NOT WHERE BILL IS COMING FROM
Consumer complaint received 2023-02-08
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. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (IL)

I have had a Chase Freedom card since 2007. My interest rate at the start was XXXX My credit was bad, I was lucky to get a card at all. Since them they have raised my credit limit three times, from {$4000.00} to {$13000.00}. I have made every payment on time as proved by my credit reports from all the reporting agencies. My last payment to them was {$9000.00} which left me a balance of {$760.00}. My credit score is XXXX. When I asked them to lower my rate. They said no. I pointed out my payment history, they said I had the lowest rate available at that time. On credit card sites, the highest rate listed for this card is 23.27 % I and paying XXXX points ABOVE that. Usury springs to mind.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I can not get into my online banking with Chase. I call and they told me my debit card is no longer good for me to go to the bank and close the account because it show XXXX balance. I went and they want all this information Social Security card and job pay stub. They refuse to close out the account even though it 's a XXXX balance on it.
Consumer complaint received 2016-03-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JMD,LLC (CA)

company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

In XXXX I had all my loans consolidated into direct loans and applied for and was accepted into the public service loan forgiveness program. I learned on XXXX/XXXX/XXXX that XXXX of these loans from XXXX ( which happen to be among the oldest loans ) were never consolidated. At that point, 2 years into the public service loan forgiveness program, I am told that they will have to be consolidated and the clock for these XXXX loans, which account for 20 % of my balance, will begin once this additional consolidation process is complete. 

This error leaves me with an additional two years of loan payments I would not otherwise have been required to make. 

I have presented this issue to Fed Loan Servicing via electronic submission and mail as well as phone calls made to the general customer service number and the ombudsman. The resulting communication from their representatives was that this has happened to others and the situation can not be helped. 

Thank you for time and consideration.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/2022 was a victim of fraud. Upon immediate transfer of funds, contacted PNC bank to withhold funds. We are talking within seconds of transaction. PNC said it was a temporary hold and had to wait until funds transaction took place. After more than 4 calls and 4 hours on the phone, PNC did nothing to assist with the prevention of funds or stop payment. 
Had to call back 2 more times, each time asking for proof of what information was used to handle dispute. 
XX/XX/XXXX, received letter from PNC stating : " Here 's what happened : You contacted us recently to request a copy of the documentation we relied on in making our decision regarding your disputed transaction ( s ). 

Any applicable documentation is included with this letter. Below is further information on evidence relied upon in decisioning your dispute : PNC Terms of Use for XXXX- You can access the PNC Terms of Use for XXXX form the XXXX Home Screen via your mobile app by Selecting Send Money with XXXX, tap Manage XXXX Settings, then tap XXXX Terms and Conditions. '' There is NOTHING attached or included otherwise to support their decision and I for one believe I have been scammed by this non-acting bank.
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NH)

It appears our property taxes have not been paid in full for our home by our mortgage company, US Bank. The property taxes are required to be paid through our escrow account. 

When we received a first notice about this in XXXX, I immediately emailed my loan officer and the servicer he works with. They said they would take care of it immediately. I emailed again on XX/XX/XXXX to follow up and never heard back. 

Today, in XXXX, we received a letter from our city collections office noting that there is an outstanding balance on our property and that it has accrued interest and will continue to accrue interest daily. 

( We have made all mortgage/escrow payments on time. )
Consumer complaint received 2015-06-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MI)

After being a member of PayPal for 6+ years at least, my account has been permanently limited for no apparent reason at all. I 've called and spoken with XXXX different employees of PayPal and I 'm only told that they 've made an executive decision to close my account because the rick is greater than the reward. I 've never done any illegal or fraudulent transactions and have had XXXX or XXXX disputes per year. They are holding my funds for 6 months and claim they are doing so to cover any charge-backs ( which I 've never had not once ).
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NV)

I resently had to pay some unnexpe ted legal fees over {$6000.00} i had to miss two payments with i made a small payment one week witch i started tp make small payments so i would not get behind, finally i started getting back on track, my accountant tried to make a payment off {$100.00} they told her that the could not accept a payment of that low amout and that i would personally had to call them, their offices are closed early evening, i got up extra early to contact them oddly enough a tow truck was in front of my house talking my car at XXXX XXXX taking my car, without any notice from them regarding that they would take those acctions. witch was also the day i get paid and was going to make a payment to stay current. it only reason my vehicle was repossessed was because i {$86.00} dollars. Witch they purpoIely they not accepted the XXXX dollar payment that would have taken care of that. And when i called them they told me that nothing could be done unless i paid the late fees, the repossession fees and retaking fees of XXXX plus the two late payments and the XXXX dollars plus the towing fees witch comes to a total of XXXX in 3 weeka
Consumer complaint received 2017-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Masters, LLC (TN)

I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OH)

AFNI is on my credit report again, after being removed, and have had been made contact with. I do not owe AFNI nor the company that they are claiming to represent any money what-so-ever. This company needs to leave me alone! I Want them removed from my credit reports in less than XXXX hours.