davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait, wait, hold on, '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway, I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it.
Consumer complaint received 2023-05-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

A collection agency ( account # XXXX ) has reported inaccurate information to equifax, I have sent proof that the information is inaccurate but equifax refuses to delete this account which has caused serious damages to me. I am being charged for living in an apartment after my lease ended on from XXXX/XXXX/2015 to XXXX/XXXX/2015, I have sent proof that we ( XXXX XXXX and I ) actually moved out before XXXX/XXXX/2015. I have attached copies of new lease signed on XXXX/XXXX/2015 for both XXXX XXXX and I. This information is having serious adverse effects on my lifestyle.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I received Private student loans from Sallie Mae while attending college. Paying the loan back became nearly impossible, due to unforeseen issues, exploding interest rates, and other financial burdens. 
After several months/years of late payments and exhausted forbearances, I entered into a settlement agreement with Sallie Mae. The terms of the loan were intense repayment, but would relinquish the debt for a lesser amount. I agreed and fulfilled by end of the agreement, even though extremely difficult on me financially. 
Upon completing my end of the agreement, Sallie Mae had become XXXX. XXXX completely disregarded my settlement offer ( which I provided them proof of ), as well as, the fulfillment of the terms stated within the agreement ( also provided proof of payment ). XXXX continues to report these loans negatively on my credit, as well as, my fathers ( who was a co-signer ). The settlement offer includes him in the agreement. These years of negative credit reporting have costs me XXXX of dollars in unnecessary high interest rates on loans I 've been able to get for a mortgage, car, credit, etc. I have been repeatedly declined for credit due to these negative reportings, as has my father. 
I fulfilled my end of the agreement, only to be tormented, harassed, and penalized by this company. PLEASE HELP!
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC (MD)

XXXX XXXX, 2016 To : BWW Law Group CC : XXXX. XXXX XXXX XXXX XXXX : NOTICE TO CEASE AND DESIST Third Illegal Attempt to Schedule Sale of Property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Case # XXXX To Whom it May Concern : I just had a letter forwarded to me dated XXXX XXXX, 2016, notifying me that BWW Law Group has scheduled a sale of my family 's home on XXXX XXXX, 2016. This action is in direct defiance of judge XXXX disposition of this matter at the hearing held on XXXX XXXX, 2016. At that time judge XXXX clearly stated that the matter would be held sub curia. The hearing on XXXX XXXX constitutes judge XXXX last decision on this matter. 

Until the judge makes a decision, neither party may take any action governed by the sub curia status -- which means that the issue is clearly not decided. 

BWW Law Group must immediately cancel this sale scheduled on XXXX XXXX, 2016, as it is clearly prohibited by law. This is the third illegal act of this nature perpetrated by this entity. This is not behavior acceptable for officers of the court, and it is grounds for an official grievance process to be propounded upon all parties who have participated in this process. 

I have made a formal complaint with the CFPB and will continue to explore all avenues at my disposal to ensure that this sale is stopped. Not only does this sale flout the authority of the Circuit Court, it also violates dual tracking as my application for a loan modification has not yet been decisioned by XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc. ()

I am an XXXX citizen currently living in XXXX I had a phone account with XXXX. In XX/XX/2014, I contacted XXXX to turn my phone service off ; however, they continued to keep it on and after XXXX attempts of calling over a period of months they charged me for the time they incorrectly kept my line open, as well as a disconnection fee. Now, they have sold the " debt '' to a debt collector. I have attempted to contact the debt collector via email on multiple occasions, but they do not provide a phone number that I can call from a foreign number. They continue to send messages asking for the money, though. Please help. 

I feel like 1 ) This debt is heavy given the circumstances, and 2 ) The debt collector has made it nearly impossible for me to communicate with them from abroad so we can agree on a best way forward.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (LA)

I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.
Consumer complaint received 2023-05-10
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I was a victim of identity theft and noticed a collection from SYNCB/WALMART I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SYNCB/WALMART in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NM)

In XXXX 2016 my credit card was charged {$1600.00} on my XXXX account for a delivery made from XXXX. My credit union cancelled the card and subsequently closed its investigation of the case in XXXX 2016 affirming to me in writing that a merchant error was made. In XXXX 2016 I received a collection invoice from the XXXX XXXX XXXX for the disputed debt. I followed the dispute process ( responding in writing upon receipt of the notification ) and received a letter ceasing collection efforts dated XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a collection notice from Transworld Systems Inc. for {$1600.00} plus collection fees {$220.00} for a new total of {$1800.00}. I called XXXX to inform them of the notification and they told me to call Transworld Systems Inc. and to reference their invoice number in order to access an email that XXXX would place in the XXXX accounting system regarding my account -- -apparently to bill the correct account. I called Transworld Systems Inc. and spoke to XXXX XXXX and she accessed my account and stated that I had been billed in error. She had information on who sent the order and who received and signed for the delivery ( a company from XXXX to a company in XXXX, KS ). I called XXXX back to report my communication with Transworld Systems Inc only to be shuffled from one section to another ( recovery to billing to fraud ). I called Transworld Systems Inc. this morning at XXXX MST and spoke to XXXX XXXX ( XXXX ) and she stated that Transworld Systems Inc. has closed out the collection process on me and my account citing that XXXX billed the wrong account. XXXX XXXX stated that I should not be receiving any further collection notifications regarding this false debt claim. 

XXXX billed my account/credit card for this shipment. XXXX continues to send this disputed debt to collection agencies without due diligence to accounting protocols. I have called XXXX XXXX, XXXX ext. XXXX, and emailed ( at XXXXXXXXXXXX ) this XXXX agent handling my case and have not heard back from her. XXXX has not corrected its files and continues to pursue me for a debt that I did not incur. They are not responsive and their actions constitute fraud.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have been getting false credit report from all three credit reports companies. My name has been mixed up with another persons credit history. I was not able to get any loans or credit card because of this. It is also very hard for me to get an apartment for this very reason. For years I have been trying to get loans and credit card but failed because of wrongful credit report.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed an inaccurate reported item from XXXX, through TransUnion, twice. 
At both occasions TransUnion is stating that as a result of the investigation, XXXX has verified the account information as accurately reporting. As a second step towards having this adverse innacurate item removed, I have contacted several times XXXX 's department of dispute ; 1., they are saying they no longer handles disputes sent to XXXX and 2., they are saying that TransUnion has never contacted them in regards to this specific matter. 
In order to take a 3rd step towards XXXX and file a law suit, I need documentation from TransUnion showing that the investigation has been done, and what steps were involved during the investigation. However, TransUnion 's head department is refusing to provide me with any documentation showing the steps taking towards this dispute 's investigation, and at one instance I was even told that there 's no investigation, they only send a courtesy email to the creditor asking to review the information reported.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The issue is the Trans Union refuses to remove incorrect information off of my credit report. They say that they will reinvestigate and then give a response after 60 days. That is n't ethical. Their time frame is 30 days. That is it. I have already sent an intent to sue notification to the Bureau and I am now waiting for a court date. I know of several people that have sued and won because Trans Union has n't removed items where XXXX and XXXX already have removed the information. There are XXXX bankruptcies that should n't be on there. XXXX and XXXX have already removed them. TransUnion has been fighting me on this for the last year, and I am not going to deal with this a month longer. My plan is to sue for the amount that the law allows and not any less. The items that need to be removed are both bankruptcies, XXXX, XXXX, XXXX as they should have never been on there. I was told that TransUnion leaves items on there according to what the creditor wants which is illegal. The items have already been removed from the other bureaus, therefore Transunion needs to remove them. Also numerous inquiries need to be removed because those car dealerships did n't have my permission to run my credit. XXXX needs to be removed as well. Lastly XXXX needs to be removed lastly. This is the last time I file a complaint. My next step is to see them in court with all of my witnesses and documentation that I have showing that no one has validated any debt, nor shown any proof that it belongs to me, which it does n't.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Delta Management Associates, Inc. (TX)

I received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. 
In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.
Consumer complaint received 2016-06-27
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: KEYCORP (WV)

On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc. (CO)

North American Recovery has been harassing me and has failed to provide information necessary to determine if an alleged debt is valid. They have called me repeatedly and spoken to me in a combative and threatening manner and made numerous threats. I have multiple times provided them my correct address and requested a written description of my debt per my legal rights. I have received nothing from them. I recently discovered a negative entry on my credit report attributable to them that arbitrarily exceeds the amount they previously claimed I owe.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CA)

I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I was victim of ID fraud from XXXX. XXXX has confirmed via phone and also sent me correspondence agreeing the account opened with my information was not authorized by me. I initiated a dispute with Equifax and received the final disposition that the information was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX '' I have contacted XXXX again to have this inquiry removed. Additionally I can find no way to dispute with Equifax via writing, email or via phone. The only selection is to file a new complaint or get status. This is an abysmal process. It is obvious from the recent activity my personal information has been part of a compromise and therefore is now being used to attempt fraud but the bureau has done a cursory review and did not even validate with XXXX.
Consumer complaint received 2016-07-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of 2016 my wife and I entered into a mortgage agreement with Chase. In fact there were two mortgages the first was approximately {$220000.00} and the second was {$55000.00}. What we did not realize at the time is that the {$55000.00} dollar figure included a balloon of {$50000.00} due in ten years. I suppose the idea was that after a short time we would refinance the house once it appreciates and pay off the second. Of course that did not happen and now after never missing a payment on either we have paid over {$59000.00} on the second ( which obviously exceeds the initial loan amount ) and still owe over {$50000.00}. I am not blaming anyone for this situation. However, my question is this : Am I to continue to pay on this loan to my detriment even though the house is worth far less than the two mortgages? Chase is simply continuing to collect payments on a loan where of the monthly payment of {$490.00}, only {$65.00} goes towards the principal and refuses to allow any form of refinancing or restructure.