davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Few years ago my mother, XXXX XXXX, contacted Chase Bank to ask for an Authorized User Credit Card for me, because I was going to college. I just found few months ago that Chase Bank has been reporting this account in my credit as a join account. How that could be possible? I never signed any documents authorizing that. Since I got the card I tough it was being reported as an authorized user account. I have contacted Chase several times asking them to fix this issue. Their answer is : " There is nothing we can do, sorry for the inconvenience ''. Really? 

Here is the account information : Account # XXXX ( do not have the last 4 digits ) My SSN is XXXX
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.
Consumer complaint received 2017-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

I need clarification on the loan balance currently being reported to my credit by Wells Fargo Dealer Services. I have tried to get answers from Wells Fargo directly but I am not getting the information I need from their representatives. The loan number for the account is : XXXX. This is for the vehicle I had through Wells Fargo that was totaled in 2015. The insurance should have covered the loss of the vehicle but there is still a balance of {$8300.00} being reported as my remaining loan balance on my report. I have obtained copies of the insurance payouts and the numbers are not adding up to what is being reported on my credit. I am including a letter from XXXX XXXX XXXX which shows that a check for {$5500.00} was paid out to Wells Fargo in XXXX 2015. In addition to that, My GAAP benefit from XXXX XXXX XXXX XXXX was valuated at {$1000.00}. I need to understand how this was applied to my remaining loan balance and why the credit bureaus continue to report that the balance is {$8300.00}.
Consumer complaint received 2017-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This dispute regards an open collections account on my Transunion credit report - an account that is not mine. I have no records of having a credit card with XXXX XXXX XXXX, the original creditor. In XX/XX/2017, I disputed ( via CFPB ) a closed account noted on my Transunion credit report under " XXXX XXXX XXXX. '' It was removed from my credit report. This particular dispute is in reference to the still open collections account, XXXX XXXX ( for  {$700.00} ). XXXX XXXX XXXX had sold the account to a collection agency, XXXX XXXX, and this information remains on my credit report. Again, I have no records of ever opening or owning the credit card from which this collection sprang. Therefore, the XXXX XXXX collection is not mine.
Consumer complaint received 2017-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

There are currently three items on my credit report that are being reported by a collection agency by the name of common wealth fin in the amounts of {$870.00}, {$590.00}, and {$65.00}. I have repeatedly tried to dispute these three items due to them not being my debt to no avail.
Consumer complaint received 2017-07-21
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. (NY)

I have been trying to have this account deleted from my Equifax report XXXX XXXX XXXX XXXX as this account is passed the Staute of Limititations for reporting. Equifax continues to re-age the account. Which is false reporting.
Consumer complaint received 2017-07-21
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: Experian Information Solutions Inc. (VA)

XXXX XXXX charged off a credit card account on which I had fallen behind on payments. I do not dispute the legitimacy of that credit report entry. XXXX XXXX transferred my debt to XXXX XXXX XXXX and I paid the debt off in installments culminating in a payment of {$980.00} in XX/XX/XXXX. In XX/XX/XXXX I disputed the content of my credit report as it did not reflect that I had paid the charged off amount in full. Experian reported the charge-off on my credit report as happening again in XX/XX/XXXX. My credit score fell 26 points as the delinquency now appeared on my credit report as a new event. I disputed the report again as a new report of an old debt which had been resolved. Experian reported the charge-off again as having happened in XX/XX/XXXX I called Experian and was told there was nothing they could do and that I had to contact XXXX XXXX to get them to remove the reported data. I call XXXX XXXX who told me they were no longer reporting to Experian. They referred me to the collection agency XXXX XXXX XXXX XXXX, who represents XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent me a copy of my paid letter and told me they were not reporting anything to Experian. Experian is basically penalizing me for trying to dispute the completeness of a credit report entry by making a delinquency appear on my report as much more recent than it is. I would also like to comment that neither XXXX nor XXXX are reporting the charge-off in XX/XX/XXXX or XX/XX/XXXX so this appears to be specific to Experian 's systems or practices.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (UT)

My ex-husband and I have a mortgage with Santander/Sovereign Bank. For the past 10 years or more, we have been receiving a statement that says we owe over {$5000.00} in mysterious " Financial Fees ''. These are in addition to the mortgage payment, late fee charges, tax fees, etc. For years my husband and I have been trying to get Santander to explain what the fees are for. After hundreds of calls and certified letters requesting explanations for these fees, we have never received a response. Each time we call, we are put on hold or transferred over and over again. Usually, we just get hung up on. My husband and I recently got divorced and I am trying to re-finance our home through another company. This morning, with the phone on speaker so my loan manager at the new bank could hear, I called Santander/Sovereign again. I was put on hold and transferred over 5 times. Finally, a woman named " XXXX '' was able to tell me that some of it was attorney fees dealing with our bankruptcy over ten years ago. The other {$4000.00}, she admitted she could n't explain. She then transferred me to a woman named " XXXX XXXX '' that is supposed to handle all questions dealing with bankruptcy fees. I have called this woman numerous times and I always get her message machine asking to leave a name, phone number and short message. I have left numerous messages asking her to call me back. I have not received a response from her. Our bankruptcy was paid off and finished over ten years ago, and never was there ever anything about bankruptcy fees from Sovereign/Santander in any of the documentation. Also, when talking to " XXXX '', I asked her when my payment was due each month and how long of a grace period until a late fee was charged. At first she told me ten days then she changed her mind and told me fifteen days. Then she backtracked and said ten days again. When I asked her to make sure so that I could send it early enough, she got mad and said it does n't matter when I send the payment, it 's when they accept it. I have been paying electronically each month on the XXXX of the month. She says that Santander has n't been receiving it until the XXXX or third of the next month. She 's claiming that it must take over 15 days for the electronic payment to go through! My bank that I pay from says that it only takes XXXX5 days. Yet Santander keeps charging me a {$30.00} late fee each month. I ca n't win with them. I think everything they are doing is dishonest and possibly illegal. I am on disability/social security with a fixed income. The woman, " XXXX '' told me that if I wanted answers to what the " mysterious fees '' were, I would probably need to " seek legal counsel ''. I do n't have the money to do that. They should be able to provide me with that information upon request. I should n't be responsible for paying for fees, that even they can not or will not explain.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX is stating that I have missed eight payments and I opened this account. I have informed every agency about my identity being used to open this account. Please correct on my Equifax report that I have not been late and that someone has used my identity to obtain this account for credit. This has severely damaged my credit reports. The fair and honest outcome is to correct this information/account with Equifax, XXXX and XXXX.
Consumer complaint received 2017-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! Capital One XXXX XXXX XXXX
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continues to report negative information status on this account. I have disputed this account with Transunion, XXXX, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

In XXXX 2017 I noticed an account on my credit report that had an error and asked verification of debt from XXXX, and XXXX. Because they could not verify the debt the account was removed from the report. Then another company, Portfolio Recovery, bought that same debt and reported it to XXXX  and XXXX without sufficient verification of the debt. Once again, I wish for it to be removed.
Consumer complaint received 2017-07-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2017-08-28
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. (CA)

XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS EQUIFAX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MT)

XX/XX/XXXXI contacted Navient stating that I have been paying my student loans for over 5 years now and my principle has not decreased. The loan was sold to the from XXXX XXXX which was previously owned my another company. I requested the original paperwork so I could see all of the transactions and payments I have made. Navient was not able to provide me this information. I then asked to change my repayment status so that I could qualify for Public Service Health Forgiveness. I was instructed by Navient 's representative to not change my repayment plan and that as long as I continued to make 120 payments the remaining portion of my loan would be forgiven. XX/XX/XXXX - I contacted Federal student aid and was informed that I did not change my repayment status, the last 7 years of payments did not count towards forgiveness. I called Navient and asked for a copy of the transcript of our conversation from XXXX. Once again Navient was unable to help me.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

My student loans were in default due to my inability to repay and Navient 's refusal to enroll me in an income-based repayment program. My credit report shows that my first missed payments on all of my student loans occurred in XX/XX/XXXX, but I had been in contact with Navient since XX/XX/XXXX regarding my high payments. Flash forward to XX/XX/XXXX-XX/XX/XXXX. Navient was calling me and my cosigners at least 10 times a day, even though I told them that I work as a teacher and could not receive phone calls at work. I am a teacher and will lose my job if I answer my cellphone while teaching. I stopped answering their phone calls because they had sold my account to collections and refused to work with me. My parents signed off as cosigners, which was never presented as an option to me, by paying {$540.00} on XX/XX/XXXX, {$22000.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. I was also enrolled in the Three Pay Plan to bring my account current. I made three payments of {$100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have continued to make payments of {$120.00} since that date ( XX/XX/XXXX & XX/XX/XXXX ). I do not know who owns my debt at this point. According to my XXXX  credit report, I have 51 missed payments to Navient, including a payment on each loan in XX/XX/XXXX. My online Navient account says that I still owe them {$1000.00} with a past due amount of {$620.00}. I do n't understand how this could be true since my credit report states that I 'm current, and they continue to auto debit a total {$120.00} each month. They no longer call me, but I 'm afraid that they will start up again because I do n't even know who owns my debt anymore. They have destroyed my credit and made me regret becoming a XXXX. I have included as many dates as I can still access, but this has been a constant back and forth since XX/XX/XXXX. Why was I never told that I could get a cosigner waiver? Why was I told that I did n't qualify for income-based repayment despite having an XXXX of under XXXX and a student loan payment of over {$600.00} each month ( not counting federal loans )? Why was I misled, harassed, and basically told that there was nothing that could be done? Where is my money going now? I 'm terrified of what could happen if I 'm kept in the dark any longer.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MT)

I received a loan modification offer unsolicited from Seterus. I spoke with a representative on XX/XX/XXXX about the terms of any modification, and she offered no information whatsoever on the terms only that the payment would be XXXX/mo lower, and simply offered a wait and see attitude. This wasnt a mistake that the terms were not revealed until mid-XX/XX/XXXX ( to add 40 years to the balance of the loan ). I also never asked to be in the program in the first place, I simply logged in one day to discover I was in the program, without notice. Most importantly, the program/staff fail to mention that if the offer isnt accepted the reduced monthly payments that were being accepted and also reported as current on their site would then, and without notice, retroactively NOT be accepted or applied as monthly payments and used instead to manufacture a default, thereby fraudulently generating thousands of dollars in fees and missed monthly payments that must be paid as a lump sum reinstatement under the threat of foreclosure with the ultimate aim to capture my equity in the property. Seterus then stated I was in foreclosure and demanded on XX/XX/XXXX {$5800.00} to bring the loan current through XX/XX/XXXX with no mention/accounting of what  happened to my reduced loan payments made during the trial period. I paid the money but the reinstatement amount and the tactics used to arrive at this figure were unfair, deceptive, fraudulent and a clear example of predatory mortgage servicing.