davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Checkr, Inc (OH)

Checkr background reporting company has reported inaccurate information to XXXX and XXXX regarding an issue I had with USDA. The item was an administrative action that Checkr is reporting as if I am on a XXXX XXXX for criminal activity. This item is a dispute and was handled administratively, never adjudicated in a court of law, never a case or charge filed, and never a criminal or civil complaint filed against me in this matter. This was simple an administrative action to limit board members of the organization from using this service until the issue is resolved to satisfaction. 

Checkr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law. This was simple an administrative action, not a case, charge or any such. 

I request this item be removed from this portion of the report, and re-issued to XXXX and XXXX as correction of items reported in error. Also I request information on how I can pursue damages for the loss of income in the amount of {$1200.00}, to date for lost income from XXXX since XX/XX/18.
Consumer complaint received 2018-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I SENT THE FOLLOWING TO CHASE. NOTE* XX/XX/XXXX Chase on a recorded line told me to stop making mortgage payments. It due to my HOA stealing the title to my home and not allowing Chase to redeem my property. At present, HUD FHEO ( XXXX XXXX ) is reviewing my request for fair housing discrimination. 

CHASE has stayed every foreclosure since XX/XX/XXXX provided I could prove active and contentious litigation. I would not be in foreclosure if Chase had not told me to stop making payments. 

XX/XX/XXXX Chase encouraged me to stop making mortgage payments in its effort to support me as I defended my property rights. My HOA stole the title to my home XX/XX/XXXX and during the first quarter of XXXX Chase 's effort to repurchase those rights was thwarted. Until now, I have fought my HOA on my own. But due to limited financial resources and cognitive and other physical XXXX due to a near fatal car accident I had to get help. Attached is acknowledgement from the US Department of Housing and Urban Development. It includes a name, telephone number and email address of the person reviewing my matter. Please honor the word given to me by Chase representatives when they said as long as I could prove active and contentious litigation they would stall foreclosures. The reason Chase said this is because at the time, XX/XX/XXXX, it was unknown to me or Chase whether or not I would prevail in Court. The HOA already had the title and they despite knowing I was challenging the validity of their title seizure, was expediting a dispossessory in magistrate court. If the  magistrate court dispossessed me from my residence I would be evicted yet still financially responsible for the mortgage. If I won, then I would not have a problem - but if I lost, then the property would have also foreclosed due to nonpayment. Please do not let my home foreclose. I have been the victim of XXXX housing discrimination since XXXX. They have harassed me practically every day for 15 years. The documentation provided supports that I am telling the truth. If this were about money and not race - they why did they not simply take the money from Chase when it was offered during the first quarter XXXX. Please ask your legal department to file a tortious interference with a business contract lawsuit against my HOA. Essentially, the unlawful foreclosure of my title impeded the financial business relationship I have with Chase. The financial injury to Chase would be the missed mortgage payments that included interest income not realized by Chase that could have been received in a timely fashion and used to further its business interest. Even if you do not file suit against them, please do not allow my home to foreclose. I am doing my best to fight them.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have several loans in ibr with Navient. I was told that two of my loans do not qualify for Ibr and wont be part of the ibr forgiveness in 25 years because my income is too high. My loans  are also split up and being paid off in increments instead of a whole. So some of them will likely get paid off before the 25 year mark instead of the entire debt being forgiven at 25 years. Until I spoke to the customer service I had no idea that it was not counted as part of my total debt and to the IBR calculation
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am a member of Experian. I tried to access my account last night to check my report and was told that I had entered the incorrect username or password. I had not. When I tried to reset my password, it asked for my pertinent information : First Name, Last Name, Birthdate, last 4 numbers of my SSN and my mother 's maiden name. After entering this information, it told me that I was not in the system. When I tried to rectify over the phone, it hung up on me. It is all automated and does not give you the option of speaking with a representative. I finally called a number in California and was on hold for 15 minutes before I spoke with a representative. The rep told me that Experian was migrating old accounts to a new accounts and we could not log in to our account. They could not tell me how long it will take. I never received correspondence from them even though they said that they sent emails. They would not forward the email to me. I asked the rep to file a complaint and she said she would. I am concerned.
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (PA)

On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.
Consumer complaint received 2018-12-03
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: Fidelity National Information Services, Inc. (FNIS) (DC)

I have contacted Chexsystems on multiple occasions concerning a heavy file that needs correction. The first part of my complaint is all the different names and variation. 
The only name that should be on file is XXXX XXXX XXXX. I was unable to dispute this information by speaking to call center representative. I have saw and learned of over over 10 different  erroneous mismatch misspelled and unknowns name that I have never held. My birth name Is XXXX XXXX XXXX and I need all names to be corrected and removed They claim they have received documents that gave them authorization to merge files. I have not been provided any copies of any ID and Social Security card from all the alias. I need to know by law can they legally do this and combine fraudulent information on my consumer file. If documentation can not be provided by form of a legal court document of each linking the names. They must split the files. They must not violate the law Secondly, I need to dispute every inquiry on my Chexsystem file for the last 3 years since XX/XX/2009. I have not applied for banking services and not gave anyone or financial Institution permissible purpose to view my file and strongly deny this and require proof as my consumer right that I consented to any inquiry via FCRA section 609,605 and section 623. If no proof, deletion is required They also claim they may need a police report. According to the law, a police report is not needed to dispute inaccurate information and is not needed for inquiries that are not 100 % verifiable. A wet signature or document is required IF NOT. Please remove all the illegal hard inquiries
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (OR)

I was issued a Wisely card through ADP by my employer to receive my wages. 

I was unaware that I was not able to deposit funds onto the card at a local ATM location. 

When I attempted to deposit a sum of {$570.00} in cash to the card, the ATM dispensed a receipt which said " Transaction is not permitted '' but did not return the cash. 

When I reached out to the bank, the branch manager informed me that XXXX must file a dispute and that when the ATM was audited and shown to be {$570.00} over the amount it should, the funds would be returned to me. When I reached out to ADP I was told several times that there is no record of me ever having swiped the car or entered my pin, and that they are unwilling to reach out to the bank branch.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was left unemployed and unable to make any minimum payments back in XX/XX/2017 up until after XX/XX/XXXX when it was brought up to my attention that i was continuing to be assessed countless amounts of past due fee ( late ) and countless amounts of interest charges that basically brought me to an immense debt with Capital One. Then when i did finally get a job and made a rather larger payment of {$1000.00} ON XX/XX/XXXX when i had to borrow some money from my mother just so i would be able to somehow try and match the minimum payments. Up until recently i was trying to make payments to try and stay a float but recently had some unforeseen family issues as well as having to take time off from work with no pay i started ti get some membership fees as well as interest charges that are to high for me to even make a damper on the amount owed.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

I allowed my subscription to the XXXX XXXX  to lapse. They had said they were switching to Autopay, but I never agreed to it choosing to let the subscription lapse instead. Without ever even sending me a bill, I started to get nasty telephone calls from someone who claimed to work for the XXXX demanding money. I finally blocked the number and they turned me over to A.R.M. Solutions asking for {$72.00}. I called the XXXX to contest it and they said they couldn't make it go away and suggested I pay them instead of the collection agency. I paid the amount in full on XX/XX/2018. 

Now I have received another bill from A.R.M. Solutions, for {$5.00}. No explanation of what it is for, but they sure do want my credit card number. 

I believe this is fraudulent and that they will continue to threaten me and send false bills to me if I comply. 

How do I get this to stop. My credit rating hovers around 830, so this isn't because I am a deadbeat.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2018, I sent a letter along with documentation asking Experian to delete my old address and to update my credit report to the address that I lived at for the last six years ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX   ). Yet, I was advised by a CSR from Experian, that my profile had been mixed up with another individual and that my address was removed. I have been trying to resolve this issue with Experian since XX/XX/XXXX. In result, due to the negligence of Experian, I haven't been able to view my FICO Score on www.ficoscore.com, creditor 's have advised me that I don't have a credit profile with Experian, and I haven't been able to view a updated credit report.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 1 account that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following account that are reporting are : XXXX XXXX XXXX XXXX with a balance of {$730.00}
Consumer complaint received 2018-08-27
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: DISCOVER BANK (FL)

XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from Discover / XXXX XXXX XXXX. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX   was filed in XX/XX/XXXX they was only notified Discover closed my account in XX/XX/XXXX and reported me late and discharged through bankruptcy.

i reported them as inaccurate. I had a XXXX balance at the time that i filed in XX/XX/XXXX. owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XX/XX/XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX  case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed Discover any money never late and never was discharged under chapter XXXX/ XXXX paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment. 

I made a complaint here on XX/XX/XXXX, after which I received another letter from them, claiming charges made after the account was closed were waved and that I would receive a " refund check '' of money they do not owe me. No payment has arrived, but I am not looking for that. 

Today XX/XX/XXXX I received another letter from them claiming my account was closed, charges waived and payment sent to me ( it has not come ). They also reminded me that they will NEVER remove my records from their database, after I asked they do so by phone and in my complaint. 

Not sure how I make the bureau and the bank understand ; I do not EVER want to be contacted by them again, nor do I have any interest in doing business with them again, ever. Further, I do not want my information in their records so they may suddenly decide again that I owe them money, after my account was supposedly closed. How do I rid myself of this bank?
Consumer complaint received 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX  and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX   XXXXXXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have had a credit card thru Bank if America since XX/XX/XXXX. A couple of months ago I received a new card with an expiration of XX/XX/XXXX. In the letter they said there had been some type of breach on there end and was issuing new cards. 
Two months ago I tried to make an automated payment like I have done for years. A few days later I receive a letter saying it was turned down by my bank. I called the bank and was told that it had to be something on the credit cards end because my bank does not send my payments back. I had more than enough in the account but the bank don't send payments back on my account. I called the credit card company and got it paid after speaking to a human.Then I did another credit card payment this month. Few days later another letter. I called Bank of America again and spoke to someone. She told me they didn't have my whole account number even though I've been paying out of the same account for years. I've had the same account number for 34 years. 
I tried to use the card today,XX/XX/XXXX, for a XXXX purchase and it was declined. I called Bank of America and was told my card was cancelled because of the two payments that were returned. The returned payments were not because of something on my end it was the credit card companies fault. Just as soon as I received the letters I took care of the problem. It just seems like I should have some say in this after having this card since XX/XX/XXXX.
Consumer complaint received 2018-07-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Shellpoint mortgage has not complied with their agreement of assumption making it difficult for me to pay the mortgage to the account in which I assumed. 

They still have the account opened in my ex husbands name after the assumption was granted and an account in my name as well. ( please see document dated XX/XX/XXXX. ) I had to endure ongoing fax, email and calls, showing them documents from my bank stating only one mortgage payment was returned to my bank ; however, they placed account in delinquency. ( XX/XX/XXXX letter, outline my efforts ). 
I requested the online account access information be in my name only, which I was told the IT department will correct. Account not updated as of this date. 

I obtained an email last week to notify ex husband the mortgage is due. 
I am being harassed by ex husband because this information is still on his credit report. 

.They caused me financial hardship by taking two mortgage payments in the month of XXXX ; hence they have and still continue not to close the account in my ex-husband name. 


They failed to file the new deed in my name only with the City of XXXX deed department. They failed to send me a copy of the assumption paperwork after I requested on several occassions.