davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

I kept getting calls from these 3rd party, morning, noon and night. XXXX, I just started a new job, I have not yet settled to pay back the loans. I was already in a hardship with sick parents, but the student loan 3rd party whoever they are, decided to garnish my wages, which they threaten me, calling my job and my family non stop. It was harrassment. And then XXXX, my federal refund was taken from me. I have nothing to help my family because of this. I hate you people for it. This is my official complaint.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have a home loan that is serviced by Ditech Financial. They have been ripping me off for months through an illegal " escrow account '' and will not respond to my multiple emails about the issue. They are applying {$88.00} of my monthly payment ( starting in XX/XX/XXXX  ) each month to an " escrow account '' for " earthquake/A, '' whatever that is. I did not initiate an escrow account with my mortgage for taxes or anything else, nor have I ever requested or authorized one. Nor is there any legal basis for them to initiate one unilaterally. Our taxes are paid, our private homeowners insurance policy has always been in place. 
I recently spoke to Ditech 's own insurance services group and they confirmed there was NEVER A LENDER PLACED POLICY ON MY LOAN. They had no information about my escrow account and directed me back to general customer services. 

It's near impossible to get their customer service people to answer the phone. When I have gotten through, on XX/XX/XXXX, I was told they would open an escrow account review and it would be done in 30 days. That I would receive a copy of the review. I never got any response, despite multiple follow-up emails via their website. It's now XX/XX/XXXX. When I call the other customer service people told me they have no information, they can't contact their own escrow department, I just have to wait, etc. When I ask to speak to a manager I'm put on hold for over 45 minutes only to finally give up. 

If you look at the customer reviews of this company on the consumer affairs website it's clear this company is ripping people off all over the country through their unethical and illegal accounting practices. Some have lost their homes. It's a complete disgrace. Someone needs to do something about this and hold the people running this company accountable. Individual mortgage holders don't have the resources. 

XXXX XXXX, XXXX XXXX CA I can be reached at XXXX XXXX. XXXX XXXX
Consumer complaint received 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

My student loans were transferred from Navient to XXXX XXXX on XXXX XXXX XXXX as part of my enrollment in the XXXX XXXX XXXX XXXX program. In this transfer, the history of my payments, and which repayment plan each payment was made under, was lost. I contacted Navient on XX/XX/XXXX by phone and an employee was able to give me a detailed summary of each payment I made and the repayment plan the payment was made under while my loans were serviced by Navient. However, this information has not been provided to me in writing and has not been provided to XXXX.
Consumer complaint received 2019-04-02
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)

To whom it may concern, my information has been compromise in equifax data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.
Consumer complaint received 2019-02-07
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. (NJ)

XXXX XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FCC Finance, LLC (OH)

His Name is XXXX. His direct number is XXXX. XXXX, TX. 
He has called me on several occasions. over 40. He has called and threatened my Social Security, My husbands SSI and Pension. He tells me what a terrible person I am. and how can I afford anything I have like a phone and not pay them. Now, he is calling on my phone but when I look it is my daughter 's number. It looks like my daughter is calling me and when I pick up he say 's " Hello. How's it going? I can still get you ''. 
I am being stalked by this man in Texas. He is scaring me.
Consumer complaint received 2018-03-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX, NMAC has sent me the attached written letter in which they responded to my CFPB complaint ( case # XXXX ). Within my response to this NMAC letter, please be advised that the 2 aforementioned credit inquiries ( dates : XX/XX/XXXX and XX/XX/XXXX ) that are currently reporting within my name are fraudulent. Also, and as per the request of this NMAC letter, I have attached the following documents for further investigation by NMAC : ( 1 ) Federal Trade Commission ID Theft Affidavit and ( 2 ) Identity Theft Police Report. NOTE : NMAC ( Nissan Motor Acceptance Corporation ).
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EAST WEST BANK (GA)

This company has changed the closing date 4 times now. Each time it was something different at the last minute of the deadline. They ordered the Appraisal 1 week before closing, then when a rebuttal was requested they completed it off of an incorrect address delaying the process 3 more days and they always wait till Friday to advise you of something they need. I have been VERY Agile when EWB needed something. While all other parties have worked due diligence in the appropriate time, EWB has dragged their feet and been very sloppy in their diligence. I have moved things wasting money based on information they have provided for me and now I was supposed to close XX/XX/XXXX just needing to sign CD on today, I haven't heard anything from them so I called and now Loan processor tells me something new, that the QC dept has to approve now, when he said a week ago that all was needed was for the UW to sign off on it, so now I haven't received and its COB for me meaning the 3 day period wont be Friday or who knows when being that they won't give me adequate answers. Their negligence has cost me tremendously and having to live out of boxes, my car and severely inconvenienced me, WHAT ARE THEY EVEN GOING TO DO TO RECOMPENSE FOR THE ERRORS THEY KEEP performing? I asked to speak to a manager today, XXXX comes back with a name and number ( XXXX ) that they never answered the phone after several attempts. I need something done immediately, cause if I wasn't in compliance id lose my money. I WANT RESTITUTION,
Consumer complaint received 2019-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (NM)

I have taken a loan from Bank of Albuquerque Mortgage as of XX/XX/XXXX for a total of XXXX. I was told after 5 years or 78 percent LTV what ever comes firsts is when i can get this removed. I have requested to remove the PMI on the loan, as I have been paying on this loan for 7 years. I was told that the value would have to go up which with time everything goes up in value. the county appraised my house Value at {$180000.00}. XXXX appraises my house at {$220000.00}. I have not missed a payment the whole time I have owned my house. I have also paid extra payments on to the house towards principal. The current owed amount is {$110000.00} which brings the original loan to value to 86 percent. 

I have contacted this bank in writing to remove my PMI as I am supposed to do this in writing in XXXX of XXXX. I have also submitted a copy of the property tax information from the county, as well as the appraisal from XXXX. I received a letter back from the bank and they replied saying I can not remove the PMI on the house until XX/XX/XXXX a coincidence that's its exactly 5 years from the day they received my letter to remove PMI. I know the new loans you have to have it for the life of the loan, but I am on the plan to remove the PMI after 5 years or LTV of 78 percent. I don't believe these people are doing this correctly. 

Also since I originally bought this house. It was 782 Square feet. I have added 120 square feet, and I also put solar on to the house. Tiled the whole inside of the house with heated flooring. Painted and textured all the walls, as well as added a 5 KW Solar panels to the roof of the house. I believe all of these things will increase the value of the house dramatically.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

Twice in 2018 Lowes charged me a late fee on payments electronically delivered to them a week prior to the due date ( they are on auto-pay ). They also billed me interest on in-store purchases that were paid off 5 minutes later with a cash transaction. I called in XXXX of 2018 and they said my account wasn't properly coded, but they fixed it so I was all set. The issue remained so I called back in XXXX of 2018 and again it " wasn't properly coded ''. Both times I was told I'd be credited back for interest improperly billed / the late fees I was billed. No credits were applied to my account for either of these issues. 

Another complaint, this is a Lowes Project Loan and Lowes abandoned the job. I am being charged interest on a job they abandoned.
Consumer complaint received 2019-10-24
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. (MD)

On XX/XX/XXXX {$1000.00} balance transfer was sent to XXXX XXXX, XXXX never received the payment or posted the payment to my account. Now I have a balance of {$1000.00} on my account. I never received a physical copy of a check or any type of verification from chase bank that a balance transfer was approved or completed. I called and spoke to a representative and advised the check was cashed, there was no check ever sent to me and its nothing to verify.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

the attached itens in my credIt credit report have been xharged iff as bad debt. Under united states federal tax law it is fraud to collect any debt ( see attached ) that has been writtteb off on their federal taxes. Im simply asking equifax and XXXX to follow the law and remove these items from my credit teport. If not i will file a complaint in federal court that both comoapanies are engaging in fraud.
Consumer complaint received 2019-04-04
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: Credit Karma (TX)

XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX   Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   deal Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been going through Navient for my student loans for a few years. I have consolidated my loans so that I could try and start paying them. I am a single mother of XXXX children with no help from family or their dad. I have asked them about my options over and over and what would be best for my situation since I am not working and when I am I barely get by. The only solution they offered was the income based payment plan that still gains an extremely high amount of interest. I have received calls from the companies that say I can have most of my loans forgiven if I pay so much money for 3 months then I can get on a XXXX $ payment plan like the income based but it lasts 240 months and I have no job. Navient hasn't tried to help me pay back my loan only keep the interest building so I owe more money in the end. My loans are now up over XXXX $ and I'm afraid I will never be able to pay them off. I would love to go back to school and finish my education and be able to get a good job but with these loans I can't afford anymore and I can't make a life for my kids without a good job. I need to know how they get away with keeping poor people poor and making it to where they can't even do anything to make a better life. I thought these places are suppose to help people so we can get back on our feet and make a life worth living.
Consumer complaint received 2019-04-05
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)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

Per FACTA and the Furnisher Rule, furnishers have the strict responsibility to supply accurate data. They are also obligated to furnish information in a way that prevents re-aging and duplicate reporting, In my case, case number #, the furnisher did not supply accurate data to my credit report. Wells Fargo failed to see that the information reported to my credit report was actually an account being re-aged. They were student loans and were just sold to a new servicer for the seventh time. As a result of Wells Fargo 's haste, other creditors, I was in good standing with, followed suit. Wells Fargo 's incredible mistake destroyed my credit in an instant. 

So I ask Wells Fargo Bank/Wells Fargo Home Mortgage, who picked up both of my mortgages with different addresses, on the secondary market, to which I paid them both off with no lates why? Including my Wells Fargo Auto Loan with the same defaulted student loan debt I was approved with when I obtained my mortgages ... .again to which I paid off the auto loan that had no lates too, ... Why? Why decrease my credit card limit? When I have proven to Wells Fargo I am a good risk ... that I managed my credit well. To which I did waaaay before Wells Fargo abruptly destroyed my credit profile on false information. I can provide documentation that my other creditors reacted in the same manner as well as closed my account. They may have the same policy but, they didn't react until Wells Fargo took the first move. 

I understand that Wells Fargo Bank can decrease my credit line for any or no reason. But Wells Fargo told me the reason ; and the reason turned out to be false. Again as a result, my credit rating had diminished and other accounts closed. 

Please note that each furnisher is required to implement their written policies and procedures concerning the accuracy and integrity of the information that they furnish to reporting agencies. 
In fact! FACTA Requires furnishers to have such procedures and policies to avoid furnishing inaccurate information ; most importantly avoid furnishing information in a way that prevents re-aging. 

But that didnt happen in my caseor did it? See Wells Fargo wouldn't know because they relied on some other furnishers reporting to be accurate ; and without hesitation Wells Fargo reacted without any investigation on their part of the truth to the reporting. 

Everything I have talked about in this letter is true and factual. 

XXXX XXXX XXXX - Consumer Depositor for 16 years Case Number : XXXX and XXXX Original Credit Card Ending in XXXX same account as XXXX
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (WA)

On XX/XX/XXXX I applied for a new XXXX XXXX BUSINESS visa card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.
Consumer complaint received 2021-07-29
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. (NV)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-04-02
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. (MA)

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX XXXX XXXX. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Consumer complaint received 2018-03-12
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. (CA)

I received XXXX Chase credit card with annual membership fee of {$450.00}. The card was stolen from my purse ( perhaps work of my house cleaners ) and fraudulently charged. I reported to Chase Credit Card Fraud department immediately, after investigating the incident Chase credited my account back and closed the Credit Card. However, the membership fee was never credited and up until today Chase is showing that I still owe membership fee plus late charges of {$490.00}, on the closed account. Chase has reported to credit bureaus over 60- days late and damaged my 20 plus years of credit history with no late ever reported ....

I have made several attempts to resolve this issue directly with Chase Credit Card customer service and their billing department and so far every agent that I have spoke with gave me run-a-round and promising answer - but with not resolution to resolve the issue. My problem is to understand - why I have to be responsible for membership fee if I never used the card, never. Chase bank closed the account after the fraud resolution, but they are still making me responsible for membership fee on the closed card.

I am asking for help in resolving this matter, to fully credit my credit card balance on Account Number : XXXX XXXX XXXX XXXX, and report the credit bureaus to correct the reported late payments on this card ...