davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (AP)

I am a XXXX yr old military spouse living overseas. I work for a credit union and teach college part time. I 'm educated, and proud of my education, but have a huge issue with my final student loan ( I 've paid off 5 others ). The purpose of this email is to call out student loan companies and how they gouge students in the repayment process. Example, my student loan is through Great Lakes. The details are below. 
Original Loan amount : {$18000.00} Amount Paid : {$11000.00} Remaining Balance : {$20.00}, XXXX Those numbers might not mean a lot to you -- but when this loan was taken out in XX/XX/XXXX and it 's now XX/XX/XXXX -- it 's more than disheartening and sickening on how much I 've paid vs. how much is still owed. While my husband and I do ok for ourselves, imagine the younger generation being stuck with a loan such as this after years and years of repayment. Yes, I went into deferment twice, yes I delayed once -- but have been paying solid for several years. You can see that just by the amount that has been paid back. It makes me ILL knowing they are allowed to do this and my balance is not even XXXX penny lower than when I took out the loan now nearly 11 years ago. If anyone needs I would be MORE THAN happy to provide statements for the past several years. 
I 'm not asking for a hand out, I will pay my debts. If I do n't pay -- I 'm at fault. When I 've paid that much toward this loan that only rises ... it 's simply not fair. Imagine if car companies, credit card companies, home lenders were allowed to do this..but for my student loan it 's ok?? 

Thank you for your time,
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc. (FL)

Received a letter from XXXX XXXX XXXX that I was denied for a loan of XXXX that I did not apply for. When I called they told me they received my application from XXXX XXXX. I did not consent for a hard pull from my credit report, and I did not apply for a loan. When I attempted to resolve this with XXXX XXXX XXXX they refused to help. When I wanted to dispute this, they would not transfer me to the disputes dept and stated they would see if they could find someone that wanted to talk with me. 

The application they received was from XXXX XXXX, who received the information from XXXX XXXX. I did not consent for a loan application on XXXX XXXX
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

Turned in lease early bought a new car from same dealership in XXXX 2017 they were supposed to pay the rest of the car off and the time the dealer ship did created late payments I was never late on a payment the removed it from 2 credit bureaus but have not removed it from XXXX I 'm trying to buy a house and this is really causing a problem for me I have spent hours on the phone with them and I can not get anywhere
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I contacted Equifax about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with Equifax twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

XXXX and XXXX were contacted because of the same issue and all 3 still report similar information in error. 

I make a six figure income, have well over XXXX credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?
Consumer complaint received 2016-09-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (WI)

An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.
Consumer complaint received 2018-10-03
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. (CA)

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, Equifax and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, Equifax, and XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Consumer complaint received 2023-08-24
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. (AL)

I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and Experian, XXXX and XXXX have all neglected and refused to remove fraudulent account.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

On or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with CHASE BANK ONE CARD. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was XXXX and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 CHASE BANK ONE CARD SERVICE report for the first time to the three credit bureaus XXXX  XXXX  AND XXXX  a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On the date of XX/XX/18 someone used my debit card information and made a transaction of {$230.00} at XXXX at XXXX in the city of XXXX without my authorization. I immediately went to Chase Bank and told them I didnt authorize that transaction. They notified the Customer Claims Department and told them that I wanted to dispute the transaction. They said the dispute will be declined and that theres nothing I can do for the reason that they used my actual PIN number thinking it was me who made that transaction. I went to XXXX and asked for any possible evidence but they told me I was unauthorized for them to release any type of evidence. And now Chase Bank is charging me fees on top of that for a transaction I never made.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

On exactly XX/XX/2018, I sent a letter to each company listed on XXXX, EQUIFAX and XXXX  regarding inquiries on my credit profiles that were not authorized. I never received a response back neither were the inquires removed from my credit profile. 

On exactly XX/XX/2018, I sent a letter to XXXX  XXXX and Equifax requesting assistance in removing the inquiries not authorized by me, informing all three bureaus that I contacted each of the creditors by phone as well as by mail. No response has ever been received by XXXX  or XXXX regarding. 

Equifax responded back informing me that the inquiries were valid and will remain and although a proven signature document with my information and signature were requested, Equifax failed to provide this information to me.
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (CA)

I received in the mail from NETSPEND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A bank card with my name, and a routing number XXXX and account number XXXX a bank name : XXXX XXXX. 

I had never contacting this bank and have no desire for a new bank card and account with a company I know nothing about and have no relationship with. 

Looking at the one page letter with this information and physical card, which has a XX/XX/year> expiration another account XXXX -different from the earlier bank account, suggesting this is an additional credit card account. 

This letter has no 'contact us to remove your name from our database ' or any way to confirm an account is actually no already in existence. That is to say, it is saying this account exists, going as far as to state " provide this rounting number and account number to your employer to set up direct deposit. '' To me this whole letter sets off a chain of concern about identify theft and what actions now I need to take to figure out if there are other accounts in my name -as well as how this NETSPEND/ XXXX XXXX  XXXX bank have my personal information and created a credit card in my name. For context, this year our mail was stolen, including a bank statement, and with just that statement, theives started direct withdrawals from our account having just our account number and routing number. We had to close our account, open a new one, and update all our direct payment services for water, garbage, energy, credit cards. This is to say having a routing number and account number to a bank account I have never establish arriving in the mail is a serious concern. Especially since I have no way to contact this company. All the paper has besides the po box address is a QR code to " Scan to Verify Your Identity '' This is to say, I am sure if I try to contact them other than by snail mail, they will have to 'verify my identiy ' to talk to anyone, and thereby inadvertently trick individuals to confirming I am a willing partner in their scam to establish a unsolicited account and credit card. 

Please take action against this company. While I am a savvy individual, I am sure other people are trying to contact this company to say they do not want to receive further communication and thereby from this company 's perspective via an 'identify verification ' setting up the account.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/year>, XXXX XXXX and XXXX XXXX went to Rooms to Go and purchased furniture. The purchases were made over several orders. Some of the orders were supposed to be charged to XXXX 's card and some to XXXX card. 



After reviewing and comparing the documents that you provided with the documents that Rooms to Go provided, we believe the problem occurred with the order ending in XXXX. A copy of the full XXXX XXXX received from Rooms to Go is attached as here as Exhibit A. A review of Exhibit A, shows that XXXX XXXX was revised three times with the final total amount of the Order being {$2600.00}. It appears from Exhibit A that Rooms to Go agreed to apply a store credit of {$1200.00} to the Order leaving {$1300.00} owed on the Order. Exhibit A shows that XXXX signed the Order on XX/XX/year>, and agreed for his Synchrony Rooms to Go Card ending in XXXX to be charged for the {$1300.00} that was owed for the Order. Exhibit A contains XXXX signature and an approval number of XXXX for the {$1300.00}. 



Although this transaction was approved on XX/XX/year>, XXXX Synchrony statement issued on XX/XX/year> does not include the charge. XXXX XX/XX/year> statement is attached hereto as Exhibit B. ( I did note, however, that the statement appears to reflect that his available credit was reduced by {$1300.00}. ) Instead of being charged to XXXX Synchrony account, a review of XXXX Synchrony statement issued on XX/XX/year> shows that the {$1300.00} owed for Order XXXX was charged to XXXX account on XX/XX/year>. XXXX XX/XX/year> statement is attached hereto as Exhibit C. This unauthorized charge put XXXX over the limit and caused her to incur over the limit fees. Rooms to Go has not provided any evidence that XXXX ever agreed to have Order XXXX charged to her card.
Consumer complaint received 2018-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SD)

The amount of XXXX was taken from me by XXXX. There was a claim filed then I got the money back. The bank reversed the claim and forced me to pay it back. The claim was filed XX/XX/2018. Wells Fargo gave the money back then claimed it wasnt fraud by forcefully taking me into saying it wasnt.
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (WA)

This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court. 

Someone knocked on my door XX/XX/2018, to deliver a pleading allegedly filed by XXXX XXXX XXXX, XXXX : " Complaint for Money Due on Credit Account '' and " Summons ''. While the Complaint does describe the credit account purchased by XXXX ( a debt collector ), in the amount of {$2600.00}, and is apparently signed by an attorney at Machol & Johannes , LLC, the documents did not include a copy of the Proof of Service and neither the Complaint nor the Summons include a Case Number given by the Court nor the Court Clerk 's stamp ; thus, the Complaint does not appear to have been actually filed and is not an official document or official copy of a document from a court. 

Additionally, both pleadings are dated XX/XX/2018, even though they were " served '' on me much later. Without a Proof of Service, I have no evidence that my response to the Summons would be filed in time. I also have no Case Number. Further, at the bottom of the Complaint, below the attorney 's signature, reads the statement, " This communication is from a debt collector and is an attempt to collect a debt ; any information obtained will be used for that purpose. '' That statement is not typical of legal pleadings of any kind. 

The attorney 's office also included a document to set up payment arrangements with Machol & Johannes regarding the debt. Wouldn't you try mediation before suing me?
Consumer complaint received 2018-11-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

I was contacted by mail that I was a part of a class action lawsuit brought against Chase. 
The details are the case has been settled and I never received my portion from the settlement. I have contacted several organizations related to this case and have not received a response. 
To compensate the estimated 50,000 XXXX and XXXX  borrowers who paid higher rates and fees than similarly situated white borrowers, CHASE has agreed to create a settlement fund in the amount of approximately {$53.00} XXXX. CHASE has further agreed to retain an administrator  to manage the settlement fund and to locate borrowers who may qualify for compensation. Borrowers who are XXXX XXXX   and/or XXXX and who obtained a mortgage through CHASEs wholesale channel from XX/XX/XXXX through XX/XX/XXXX should be contacted by the administrator in the next several months, or can contact the United States Attorneys Office directly, by contacting the Civil Rights Complaint Line at ( XXXX ) XXXX, using the Civil Rights Complaint Form available on the United States Attorneys Offices website http : //www.justice.gov/XXXX or by sending a written claim
Consumer complaint received 2018-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK (AZ)

Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. 

It is unclear why they will not honor their own policy to their customers.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

My name is XXXX XXXX and i reside in XXXX XXXX Nevada i have been here sinceXX/XX/XXXX, i am a registered voter and i have my Nevada identification state cards fromXX/XX/XXXX to present XXXX which i just provided to Cfpb. There is a chapter XXXX bankruptcy on my credit file for US bankruptcy XXXX Alabana from XX/XX/XXXX But there are no accounts on my credit reports to support this. I contacted the courts and they advised me to take up with the courts. Also the US Bankruptcy Clerk advised they do not disclose information to 3rd parties. Such as lexisnexis who provided this inaccurate information to XXXX  and XXXX I did not file a chapter XXXX in Alabama in XX/XX/XXXX. I was living and working in Nevada in XXXX. Also there isnt one account on my credit report that shows included in Bankruptcy to support their findings. I am asking for supportive documents to proove its mine, accounts included, and how verfied. lexisnexis possibly have me mixed up with my daughter. similar names can be mixed up and reported in error. My daughter has same name as me .and she resides in Alabama XXXX How can i obtain a residence, drivers license, and job, voters card, lease from XX/XX/XXXXshowing my residence here in Nevada and file a bankruptcy in AlabamaXX/XX/XXXX. doesnt makes since.