davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I was contacted by an independent CPA that the Aurora mortgage company that serviced my loan had written off the mortgage with the IRS as part of a chapter XXXX bankruptcy. She stated that the deed for the property would be sent to me from Nation Star Mortgage as they were servicing the loans. When I contacted Nation Star as to the what the situation was with the deed, they told me the paperwork had been straightened out. The independent CPA that handled the Aurora Bankruptcy said Nation Star was illegally collecting on the properties. I have had several problems with the interest rates not being updated on my loan in addition to an employee of Mr. Cooper ( formerly Nation Star ) telling me they could not service the loan as others due to the fact that they did not have any documents for the property. Additionally, the Company XXXX XXXX XXXX wrote the loan documents and stated that the load had to be reviewed if sold more than three times. This loan had been serviced by XXXX XXXX, XXXX, Aurora, Nationstar and Mr. Cooper. What should I do? Do I need to get the Chapter XXXX information from the IRS for the Aurora Bankruptcy or hire an attorney to check the excessive loan sales that breached the original contract?
Consumer complaint received 2022-01-02
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: CORELOGIC INC (DC)

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXXXXXX XXXX XXXX XXXXXXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and EQ hasn't been able to compile my file properly to retain accurate information.
Consumer complaint received 2020-07-19
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I got a call from Chase Bank 's Fraud Department around XX/XX/XXXX asking if I was trying to spend {$100.00} at a XXXX in XXXX, FL. I said no, I was at home in XXXX XXXX. So they told me there was fraud on the account, and that they'd shut down the account and issue me a new debit card. In the meantime, I was locked out of any online access so I couldn't see what was happening with my funds. 

They told me to expect a new card within 3-5 days, so when a week passed and I didn't hear anything, I went to a branch of the bank on XX/XX/XXXX, and found out then that someone had turned the account back ON after they knew there was fraudulent activity, and the thieves in FL had drained the entire account ( nearly {$10000.00}. ) I signed affadavits saying that it wasn't me spending that money in FL. I also filed a police report. I was told that it could take 10 days to get a credit, and 30 days or more for them to conclude the investigation. 

On XX/XX/XXXX I got a call from Chase asking me to call them back. But when I called back, they said they couldn't tell me anything over the phone. ( Then why in the world would they call me only to tell me they couldn't tell me anything!? ) I have called the Fraud department, I have visited the branch several times. I am still locked out of my account and can't see any funds or transactions, I am unable to issue checks to pay my rent and credit card bill, and I'm growing increasingly frustrated at the lack of communication and transparency. 

I also have yet to hear the results of the investigation in terms of who turned on the account again AFTER there was documented fraud, and what is being done to address that error.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (AL)

I applied and was approved for the Chase Business Credit Card in XX/XX/XXXX. The promotion for this card offer allow applicants to earn XXXX  points after {$5000.00} or more in eligible purchases are made on the credit card within the first 3 months. In the first 3 months I made purchase over {$5000.00} with this credit card and paid off my balance on time and the earning point posted in my account. After I paid off I don't use this credit card and didn't check my account online. 

On XX/XX/XXXX I went online to Chase account and find out that my credit card have been cancel by Chase and Chase took all my earning point away. I call customer service and find out that my credit card have been charge over {$800.00} in XX/XX/XXXX and it past due. She said to able to reopen my credit card account I have to pay off the balance. 
I want to keep my points so on the XX/XX/XXXX I  make payment of {$400.00}, and another payment on XX/XX/XXXX for {$200.00}. On XX/XX/XXXX I pay off the remains balance of {$200.00}. However, after I paid off that unknown charge to my credit card, Chase refuse to reopen my credit card account and not give my back my earning point. 

The Chase representative tell me to apply another Chase credit card and when I receive the new card call the customer service give the reference as follow XXXX so they can post my earning point back to my new credit card account. I did follow his instruction to apply the new card. However, on XX/XX/XXXX I received letter from Chase with Reference Number XXXX to did not approve my credit card even though my credit score is XXXX show on the letter.
Consumer complaint received 2020-06-22
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. (GA)

Equifax continues to provide an incorrect address on my credit report. There's two addresses on my report from XX/XX/2017, one in GA and the other in UT. All of my other addresses are in GA and the UT address is false. Regardless, I'm not sure how Equifax is claiming I lived in two places at once. My identity was stolen because of their relaxed security procedures and now it's like fighting an uphill battle to get them to even report accurate information. I've submitted multiple disputes to the company to no avail. I've attached below screenshots of emails from my apartment complex in XX/XX/2017 in XXXX, GA as well as my bank statement from XX/XX/2017 showing my address as XXXX, GA and the rent payment I made to the apartment complex that month.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

NOTE : I previously submitted CFPB complaint # XXXX on XX/XX/2021. The Company, apparently in error, has responded to that complaint on XX/XX/2021 with the *exact* same response letter that they used to close a different case ( # XXXX ) on XX/XX/2021, even though the issues I raised on XX/XX/XXXX are completely different, and that letter is therefore in no way responsive to them. In fact, the very name of the document used to close both cases is the same, XXXX, XXXX XXXX XXXX XXXX. 

I must assume this was in error by Chase and not an intentional attempt to avoid responding to the CFPB complaint, and am therefore re-submitting the original detailed complaint below. 

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. 

Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

Also, subsequent to my prior complaint ( CFPB complaint # XXXX ), several actions have been taken that greatly reduce my confidence in Chases process, procedures, and oversight in this matter. To be clear, this complaint pertains to entirely new issues, as Chase, in its recent interactions with me, has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment.
Consumer complaint received 2020-06-22
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: EQUIFAX, INC. (WA)

Equifax uses " financial service '' questions to allow access to your credit report, freeze your report, etc. I don't recognize the answers to the " financial service '' questions and want to talk to an agent who can explain where they get their data. Their " Consumer Care Line '' is a joke. I pushed telephone buttons for ten minutes and was finally told by a robot that I couldn't talk to an agent.

As to past communications with Equifax, they mailed me a verification code to my home address. I entered the code and was sent the '' Welcome to My Equifax '' email of XX/XX/2020 ( attached ). 

When I was still unable to access my account, I tried their " Consumer Care Line '' and was unable to speak to an agent. I then sent them two emails on XX/XX/2020 and XX/XX/2020 ( attached ). They have not responded to either email.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I made a purchase using the XXXX XXXX. The item cost more than the balance of the XXXX XXXX so I used my credit card to pay the remaining balance. I ended up returning the item I purchased and all of the money went back onto the XXXX XXXX. The card was locked by the company and they refuse to give me access to the funds claiming it was fraudulent.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tri-Emerald Financial Group, Inc. (CA)

I applied for a refinance through LendPlus back in XXXX. The refinance was on a 4-plex that I own. I waited till the end of XXXX to get an appraisal done, and then the COVID shutdown hit in XXXX, and my application was turndown by underwriting. LendPlus did not communicate this to me till XXXX. LendPlus started the underwriting process over and I supplied additional supporting documentation in XXXX and XXXX. I was told that my application was approved by underwriting, but was asked for copies of my leases on my 4-plex. I live in one unit, so I supplied three lease agreements. Two of the three lease agreements are expired and are now on month-to-month lease agreements. The XXXX  do not intend on renewing their leases. LendPlus has indicated that the investor has issues with the lease agreements that are month to month ; consequently, as of XX/XX/XXXX, my refinance is not closed. I started this process late XXXX, and five months later, my loan still has not closed.
Consumer complaint received 2021-03-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I consolidated my loans in XXXX. I owed approx. {$40000.00}. I paid every month until XXXX where I was told my loan was sold and it indicated I did not make any payments and owed {$48000.00}. I was struck with XXXX XXXX and couldn't get to my loan. It was sold several more times. I was part of the XXXX XXXX Class Action in XXXX and the loan should have been cancelled at that point. My loan instead was sold to XXXX where I was told I owed {$59000.00}. I was part of the XXXX  lawsuit in XXXX with a personal validation number of XXXX where again my loan was to be cancelled. It wasn't. It was sold again to XXXX XXXX where I was told I owed {$96000.00} where the only record was of two loans from XXXX. I have never taken out a student loan since the consolidation loan in XXXX. My loan then was sold to FedLoan. In XXXX, I went to regulatory resolution services for the federal government and was given an email saying that I should give FedLoan this information that indicated I would be in the class action lawsuit for XXXX XXXX ( see attached email ). My loan was sold to FedLoan where it stands right now and am told I owe {$96000.00}. I sent that information to FedLoan but they say they don't care they paid for my loan and I owe {$96000.00}. I went to XXXX and had them do an investigation. After 2 months they agreed that my loan was cancelled due to the XXXXt Class Action Lawsuit. XXXX has taken the loan off of my credit report and the other two credit reports are in the process of doing the same. FedLoan still refuses to remove this loan that I no longer owe. Can you please make FedLoan remove the loan off of the student loan app and release me from this nightmare. I have not been able to buy a home or do most things due to the outrageous student loan that I did not take out. I paid on the loan for almost a decade and was told I didn't pay a XXXX and now I owe {$100000.00}. I'm in a federal loan nightmare and I just want out. Please please help.
Consumer complaint received 2020-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Recovery Services, Inc. (MD)

I am a XXXX XXXX Veteran suffering from XXXX other XXXX  related to XXXX I take XXXX medications and several other medications related to my XXXX XXXX XXXX. XXXX thoughts are a daily stuggle and my family is more than understanding in regard to the issues I suffer from. As a family we are really experiencing financial hardship. My wife and my best friend sought XXXX XXXXl XXXX  for me. My best friend and my wife contacted the " XXXX XXXX '' without my knowledge. I was unaware of the consequences for the help and I found out later my best friend paid the {$380.00} fee to put in in contact with a XXXX that specializes in XXXX and I was diagnoised with XXXX and several other ailments stimming from XXXX. Words could not express how benneficial the evaluation made me come to grips with what I have been experiencing for decades. My wife who is not an American citizen signed me up with " XXXX  XXXX '' in distress seeking medical help without my knowledge for a suffering husband. My wife is not well versed in the English language and did not fully comprehend the consequencies of the medical guidance " XXXX XXXX '' provide. I was informed this organization required payment from my VA bennefits for the amount of {$6700.00} and I was flabbergasted! The " XXXX XXXX '' are not a government approved organization which my wife was led to believe it was. This organization is taking complete advantage of XXXX Veteran 's desperation and it should be criminal to charge XXXX Veterans such a astronomical inappropriate amount of help for very little services provided. I put in a dispute with XXXX explaing I had not signed anything with this agency for their services but my wife checked a box on their site and this action obigated me to a {$6700.00} commitment without my consent.I am desparate to have this entry eliminated of my credits reports. Please help me!
Consumer complaint received 2021-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (OH)

I received these checks in the mail from this company and I deposited it and started a loan. For some reason it slipped my mind. I started in XXXX and by XXXX the company had sent me to the Ohio court system once that happened I am immediately paid my account to get it up to date. 
I apologized to them and advised I would not miss a payment going forward they said this was fine they advise the court documents would go away they advised they were no longer seeking a judgement. They also advised me I did not need to go to court. What happened next was weird because my credit score went down I am starting to show this account was now in collections and there was a past due amount of {$120.00}, which made no sense I called The local office they said your account is not past due youre actually paid up a couple months so I left it alone. I checked my credit report again and it still shows that the account was past due and collections. I attempted to file a correction with the credit bureau, that failed. I Filed a complaint with the XXXX  XXXX  XXXX  then the company contacted me back and says well your account is listed as collections any time it has to go through the court process which I was not advised before then they said even though your account is paid up were still gon na show its past due For court cost until its paid off which makes no sense at all if my account is technically paid up a few months why would you still show a past due balance that is actually lying. They say well its our system which is not fair to the consumer at all if they have a system issue they need to fix it. That can not be legal to reflect someone as past due mess up their credit for months and on top of that they got a judgment against me when they told me I did not need to go to court. I dont see how this is fair at all if I needed to show up to court to defend myself or put my statement in, I would have done so now it looks like I did not show up to court and they got just a simple judgment against me. I intend to pay this off in full as I have been doing. But for this to reflect this way on my credit report and for them to go to the courts and get a judgment when they lied its not fair at all and I would like this looked into. I even asked for official company documents that state if you miss a payment your account is reported as a collection and it will report as a past due balance on your credit report every month until it is paid off in full and no one at the company has sent this information to me. I can even attach a screenshot from my mariner account where it shows I dont even have a payment due until XXXX so how was his company allowed to mess with my credit like this.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Hello and how are you all doing? I hope very well indeed. First, I have been attempting to get a copy of my credit report for the last two years XXXX XXXX. Second, I was asked to send in my documentations so I did such as XXXX XXXX and an ID. Third, I sent it to them on XX/XX/XXXX. Fourth, afterward I receive a second letter stating the same thing as the letter I receive XX/XX/XXXX and XX/XX/XXXX. Fifth, therefore ; I called and the staff was unable to find my report on XX/XX/XXXX at XXXX. Sixth, I filed a complaint with XXXX XXXX and they directed me to you all. Seventh, I am filing a complaint against them because this is unacceptable. Finally, I just wanted my credit report that I have been getting every year. Thanks.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (GA)

Traded a vehicle that was financed thru TD Auto Finance on XX/XX/2020. The payoff check was received by TD Auto finance on XX/XX/XXXX. The payoff amount was overstated on the contract by {$10000.00} thus being an overage which TD Auto finance must pay back to either myself or the dealership. I was initially told by TD Auto finance that within 30 days I would receive the check for the overage. I waited and called after 30 days at which time I was told the check would be sent to the dealer where I traded my car and they would have to issue a check to me. TD Auto finance states that an internal request was sent to their accounts payable  department on XX/XX/XXXX to issue the overage check back to the dealer. The dealer and I have attempted to get an update each day since XX/XX/XXXX and have been told that it is waiting to be processed. My most recent call was today XX/XX/XXXX. The dealer is willing to cut a check back to me based on TD Auto finance acknowledging that a check has been cut and will be sent but they were unwilling to make that claim. The vehicle has been paid off since the XXXX of XXXX and they have been holding onto my {$10000.00} since that time. At this point I am concerned that TD Auto finance may be facing financial hardship and I will never see my money. Consumers incur credit rating repercussions if payments are 30 days late and it would be appreciated if the lender held themselves to an equal standard.