davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I have a FHA Loan, after pass thru a forbearance plan due to be affected by COVID-19 pandemic ( Income reduction including unemployment claim ) I am requesting to my mortgage company ( XXXX XXXX XXXX XXXX ) to exit from that plan and start paying my monthly payment again but also I am requesting an Loan Modification in order to get a better rate but mainly to put my missing payments to the end of the loan. What I received from the company was a NON-Approval letter and they only evaluated my case using this 3 alternatives : Repayment Plan, Unemployment Forbearance and FHA HAMP Modification Trial but did not evaluated me for COVID-19 Partial Claim that can help me to resume the payments but putting the missing payments at the end of the loan, instead of that they are requesting me to pay the full amount immediately.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

In XX/XX/XXXX I sent in the paperwork to have my employment certified as an eligible employer for the XXXX. On XXXX XXXX, XXXX Fedloan sent me a letter saying they could not certify my employment since my employer had not listed my start date in section 3. They stated my employer needed to call Fedloan and provide the missing information. My employer, specifically our district clerk XXXX XXXX, called and spoke to Fedloan. On XX/XX/XXXX they sent me a letter totaling the payments that I had made that would count towards XXXX. This letter did not count the most recent year on any of my loans. It just stated the number of payments I had previously made. It did not add any payments for the loans they had acquired after I consolidated my other loans. I did not change jobs so there should have been no reason to not certify the new year 's employment. On XX/XX/XXXX they sent me a letter saying they needed additional time to determine if my employment qualified. On XX/XX/XXXX they once again sent me a letter totaling eligible payments, but still not adding the payments for the last year and not including any payments made on the loans they acquired after my consolidation a year earlier. 

I received no further communication from Fedloan so I resubmitted the form in XXXX of XXXX. Fedloan sent a letter on XXXX XXXX, XXXX saying they had the application but needed time to determine if my employment qualified. Again, I was and still am, employed buy a XXXX  school, XXXX XXXX  qualified. On the XXXX they sent me a letter saying they needed more time to determine if my employment qualified. I did not receive an answer after this so I sent the form in again in XXXX of XXXX. On XX/XX/XXXX they said we have your application. They were reviewing the application to determine if employment qualifies. Now, at the end of XXXX I still have not gotten the certification of employment, they have not communicated about the number of qualifying payments. When I called and asked what was the delay I was told " it's the government, it takes a while to get an answer.
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klarna AB (TX)

XX/XX/XXXX have reached Klarna last week today, XX/XX/XXXX as they refuse to connect me to a manager to solve issues. I also called last XXXX as they refused to connect to a manager as the reps are clueless. They will tell you to wait XXXX days for someone to call and no one calls. This company is running fraud transactions when I have returned MULTIPLE items and refused to credit my account, continue to bill me when I have informed them repeatedly of these transactions and some over XXXX weeks ago. They continue to debit amounts from my card when items returned and ignore the issue. I have overpaid and paid on items returned months ago as they refuse to acknowledge. All reps are foreigners and speak poor English and don't have a clue as to what's going on and could care less and cant comprehend XXXX. They are aware and poor service with incompetent workers. Refusal to assist. They need to remove their phone number as they refuse to help and direct you to text, go to the ap and never speak with a live person. They should not continue business if they feel like they cant address issues and their illegal transactions. Now they sent me a message and stated it didn't go thru for # XXXX and they never sent it per my bank. They are fraud.
Consumer complaint received 2021-03-31
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. (FL)

I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

Good day. After receiving several pieces of correspondence and having my credit report damaged with what I know to be inaccurate information, I called XXXX XXXX to pay the debt listed on my credit report. The original debtor is listed as XXXX XXXX. I called XXXX and they could find no old, outstanding bills of mine. I disputed this account once last year and it was removed and then reappeared. I then disputed twice and lost both disputes. 

Today, XX/XX/XXXX, I called the collection agency to pay and they indicated that unless I state verbally that I no longer dispute the account, they could not accept my payment! I refused to state what I dont agree with, yet I was willing to pay the {$130.00} debt. The call with a manager, XXXX XXXX ( not sure of spelling ), was a mentally draining and demeaning experience because he wanted me to say that I no longer dispute the account and if not, they could not take my payment. I advised him that I would not dispute the account any longer with the bureaus or CFPB but that I personally do not agree. I just want the account information updated and removed from my file after I pay. 

XXXX became dismissive and unhelpful, so my only recourse is to contact you. This company wants to control how a person thinks even if theyre willing to pay. If CFPB can do nothing to help me, this will have to remain, unfairly, on my credit report. Ive worked very hard to improve my credit over the years and this is a blemish that has reduced my score and gives an unfavorable view to lenders and now my payment is being rejected because I wont say what the debt collector wants to hear. Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (AL)

Dear [ CFBB Representative or " To Whom It May Concern '' ], I am writing to dispute inaccurate information listed in my credit report related to my former mortgage account with Freedom Mortgage. My name is XXXX XXXX, and I am seeking your assistance in addressing this matter promptly.

The records show late payments '' or " outstanding balance '' ], which is incorrect. I sold the property associated with this mortgage, and the mortgage was paid in full at that time. Furthermore, I was never late on any payments during the life of the loan, and I often made payments in advance.

I have attached documentation to support my claim, including : 1. The final payment confirmation from Freedom Mortgage.

2. The sale agreement for the property.

Please investigate this matter and remove the incorrect information from my record. Accurate credit reporting is essential, and I trust that you will resolve this issue expediently.

If additional information is required, please do not hesitate to contact me at XXXX or via email at XXXX. I appreciate your attention to this matter and look forward to your confirmation of the correction.

Thank you for your prompt assistance.

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

My student loans are currently in deferment as I am studying part-time. I did not choose to have my loans in deferment nor donI want my loans in deferment. 

I have been unable to cancel my deferment through Nelnets online service not through the phone. 

I am accruing interest in loans I want to pay off. I have made XXXX payments which were returned to me and I have made XXXX payment where the money was not allocated to my loan balance and was not returned to me, stolen.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXX threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Consumer complaint received 2020-11-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$0.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6300.00}, {$1800.00}, {$450.00}, {$6300.00}, {$5900.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNT 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

15. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Consumer complaint received 2020-11-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at WESTLAKE FINANCIAL SERVICE . 

This letter is in reference to a NO DATA PAYMENT with the account number XXXX. XX/XX/2020 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the no data payments I was simply financially not able to pay my bills. I have since gotten back on my feet and brought my account up to date with your company. I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a no data payment on my credit file. I am hoping that your organization will consider removing this NO DATA PAYMENT from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

I have had multiple accounts with Netspend for many years, and my most recent account for almost two years. I filed a dispute with Netspend over a {$36.00} charge through XXXX on XX/XX/2020 for a charge paid out for no delivery. The dispute was investigated and closed without Netspend contacting me. I called and emailed Netspend on XX/XX/2020 to re-open the dispute because no one contacted me regarding the response, or to provide me with the follow-up documents from XXXX for me to respond to. I requested a manager call-back to speak with someone about the dispute, and was told the request would be escalated and someone would call me within 24-48 hours. I never received a call back. On XX/XX/2020, I received a text message that I needed to contact Customer Service about an issue with my account. When I called them a few moments later, I was told that Netspend had closed my account without contacting me, with over {$3000.00} of my money tied up in my account without a way to access my funds. I have made multiple calls, was told multiple times that someone would send a follow-up and escalate, and each time told it would take 24-48 hours for a call back. I was also told that someone tried to call me and that they had left messages, but my call records show that no call was made to contact me and no voice messages were received. The company is refusing to open my account for me to withdraw my money, or to contact me back. Since this account is my primary account and all of my funds are tied to this account, I have had no access to my money, and the company is refusing to allow me to withdraw, access, or transfer my money to a different account which is now causing financial hardship by the inability to pay bills, rent, or purchase fuel for my vehicle to even get to work. When I try to call them, I get hung up on, transferred back to a queue, or refused any action to resolve the issues. I am at risk of losing my job for not being able to get to work, and of being evicted for not being able to pay my rent. I want resolution, and I want my money.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (OR)

I opened an account with Chase Bank. A couple days later the account was suspended because Chase couldnt verify my Inmigration status. ( What does it have to do with opening a bank account ) so I went back to the bank and asked why? It turned out to be that they couldnt verify my address, so they asked me bill on my name to the address I live in ( which I have to them ) then the account was closed. Supposedly to my own request. I went to a different location and brought all of my legal documents ( just in case ) then they opened a new account. That was Friday XX/XX/2019. Then today Tuesday XX/XX/XXXX I try to open my account on my mobile app, and it doesnt work. A message pops up telling me to go to chase.com to log in and fix my log-in credentials. So I did and then it wouldnt let me log in there either. A message popped up telling me that my account was suspended for my security bases on my account activity. At this moment I decided to go to the bank location closest to me. So I give all my information again. The lady whom I was talking with then calls someone on the phone, then the payday on the fomnteles me that the account is restricted and that it will be close, any pending transaction will be renounced and wat Heber balance I had would be mailed via a check on my name. Then I asked the reason why this is happening and the lady on the phone said she couldnt tell me because its confidential information. At this point I asked how is it confidential if is my account the one that is being closed and no one is telling me why. And I need to know. At this point XXXX she said is because of the bank. So I just Hebe the phone bank to the other lady and walked away because she wouldnt help me. Nor tell me a reason why this is happening. Then I called customer service again and all they told me is that they couldnt disclosed that I formation with me, even tho I am the customer, and this information is about me, technically making it mine. Information they should disclose with me but they chose not to. At his point I ask to talk to her boss which she said she count do. And then go on to tell me no one inside of chase could disclosed that information with me. Then I asked who outside of Chase would. And she said that that information is only kept within Chase. Then I asked what department is responsible or that information. To which the lady responded that there is no department for it, its just the bank that decide to do so. That I have the right to stop using chase whenever I wanted just as Chase had the right to not have me as a customer whenever they wanted. But no one would actually tell me why I cant access my account or why I wont be able to have a chase bank in the future.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (AL)

We sold our home to a buyer on XXXX or XX/XX/2020, and the mortgage company XXXX XXXX is reporting that we foreclosed on the home, then XXXX XXXX put this incorrect and inaccurate information me and my spouse 's credit report, according to the XXXX XXXX report. This incorrect and inaccurate information is preventing us from getting another Home Loan with several companies waiting for this information to be removed. We have already lost two or three homes we were interested in purchasing, but XXXX XXXX 's incorrect and inaccurate information continues to impact and hinder this process. 

We have all the documents and forward them to XXXX XXXX, but it appears the left-hand does not what the right hand is doing. In fact, we were told by a loan officer that XXXX XXXX did not know the loan was paid in full. This only requires checking the acct. number, unless their XXXX system is not providing the correct about home Mortage accounts. I don't buy it! This is a dishonest practice by this company and I am almost sure they are doing this to many other homes mortgaged accounts with XXXX XXXX. 

We have provided them with all the documents, yet they prefer to do nothing. 
Please us get this resolved as soon as possible. I will be reaching out to my personal lawyer as early as next week!!
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I recently had a loan modification with them and I was a bit iffy about it because I didn't know they would be cutting basically nearly over half my morgage.Wt the the current moment apparently i owe over about {$14000.00} to them out of no where. And i really dont know why and how it got that high.I try every month to make these payments and they now my current situation.i have XXXX kids a wife that cant find a job still at this very moment.And they still could even offer me a long term loan modification because of my situation.My income at work is what goes towards bills that i pay over average amounts of a average family XXXX people in told including me and i have to work hard to try to support them and now this morgage company is now telling me i have to pay a total of {$14000.00} and this is now stressing me out.So please try to find the best way to help me find a way to pay my propertie so i can support the family.At this current moment i mentally dont know what to do.I lean my help to you guys.i dont maybe a new loan modification or something to relief these house payment and i dont want to lose my house.My XXXX bless you guys because my hopes are on you guys.i havent been able to sleep since the news of me owing them over {$10000.00} after a short term loan modification.So please help a poor man out.i dont want to lose every thing at my current situation so please find a way to resolve this issue for me.