davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NC)

In early XX/XX/2016, I tried logging into my Chase Bank credit card account. I was notified that my email address had been changed, and was asked if it was me. I was not notified of this until I tried to log into my account. I changed the email address back to my actual one and was able to log in. At that time I saw that a Chase Amazon card had been issued in my name, that I never requested. I also saw that there were 4 fraudulent charges on my Chase Sapphire credit card, all small charges to Amazon digital services. I spoke to Chase 's fraud department -- they took off the charges, and closed the fraudulent Chase Amazon credit card. I put a 90 day fraud alert on my credit report. However, I just learned last night, after deciding to reinitiate the 90 day fraud alert for my safety, that there have been TWO more hard inquiries on my credit report, all from Chase Bank. One in XX/XX/2016, and one in XX/XX/2016. How did this happen, if I have a fraud alert on my credit reports? I was never notified by Chase, I was never called by anyone. And yet, two more hard credit inquires from Chase Bank on my credit report, thereby negatively affecting my credit score. I called Chase Bank, spoke yet again to the fraud department. I found out that the two latest inquiries were also for Amazon credit cards. Chase did agree to contact the credit bureaus to remove the fraudulent inquiries, but in terms of any protection for me, could NOT explain why this happened in spite of the active 90 day fraud alert with all XXXX credit reporting agencies, NOR could they offer me any additional protection from having new accounts inquiries or cards with Chase. When I asked specifically what other layers of protection Chase could offer, such as freezing my account so that no more inquiries would be allowed, or needing additional information from a person if they try to apply for an account ... they offered nothing. Just reading from written materials to me, the same thing I 've heard before about putting a fraud alert on my account. Which has not helped me AT ALL with Chase. Considering someone got into my Chase account and changed the email address, and I 'm not being notified when new inquiries are happening, in spite of a fraud alert being on my credit reports ... this certainly seems like an inside job, with Chase and perhaps with Amazon. When I asked to speak to a manager, someone higher up, I was denied that request.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. ()

I have been filling out paperwork for the Income-Based Repayment plan for Navient for 3 years. The first year I had filed for an IBR XX/XX/XXXX the process was relative easy and they processed it quickly although I was forced to declared forbearance during the process twice. This past year for XX/XX/XXXX-XX/XX/XXXX was an absolute nightmare. They failed to process my paperwork for roughly 4 months straight. I called nearly everyday to speak to a supervisor and they would only put my loans on forbearance. Every time. I was told over and over again that the paperwork was received and was being processed and I kept asking them how does it take so long to process it if you have had it for months. I was finally able to speak with someone competent and he was able to put through the IBR for me by just changing something in the computer. 

I did not know we had the opportunity to send in a complaint to a higher order, had i known this would have been reported ASAP. I thought I was just at mercy to my loan servicer. 

If something can be done in regards to all the interest I accrued due to FORCED forbearance that would be greatly appreciated. If anything I would like this to act as a complaint to fix the issues with this servicer so other people do n't have this issue. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (ID)

I found forged XXXX also other settlement documents I had never seen before. 
I also had asked for XXXX insurance be placed on the loan and did n't discover it was n't on the loan or any type of protection until I had received copies of some of the documents that are obvious forgeries. I had also had been turned down 11 times for a modification before I was approved. I still do n't know what is missing that could also have been forged. These forged documents have also been notarized by the title company.There are many laws and. Clearly many laws and Federal regulations have been broken. He seen the documents. I just now learned of the XXXX XXXX dollar settlement that my lender or servicer was apart of. The servicers should have contacted me to let me know of this settlement. I called National Mortgage Settlement and they said too late nothing I can do. I am in a huge mess and do n't know if there is anything that I can do.
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is claiming our escrow account has a shortage. Our county, local and school taxes did not go up. Actually, our school taxes went down according to Wells Fargo, but I ca n't find the exact amount. Our homeowners insurance increased by {$53.00}. When I add the monthly escrow amounts, we only have a shortage of {$41.00}, but Wells Fargo claims it is a shortage of {$62.00}. I asked customer service to re-do the yearly analysis since it is wrong, and she says they wo n't redo it. They mailed our coupon for XX/XX/2017 and now have us paying a shortage of {$100.00}. I 'm willing to make up the shortage of {$41.00}, but I 'm not willing to pad my escrow account and have an extra {$60.00} for Wells Fargo to use for their interests. My escrow account should balance {$0.00} when Wells Fargo is finished paying our taxes. Wells Fargo makes money on our mortgage, not on our escrow account.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OH)

There was an account in my name through XXXX and about 5 months ago this account was resolved and XXXX put in writing to remove his account from ALL XXXX credit bureaus. XXXX did that and then now a new collection agency decides to try to get a commission check and putit right back on to my report. I spoke with XXXX XXXX on XX/XX/2016 he claimed to be a supervisor but did nothing to look into ths. He just wanted to get me off the phone and transfer the call. It took me a long time to get this resolved and now this bogus company is trying to get a pay check
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
Product: Credit reporting 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. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

The mortgage in question was foreclosed on in 2013. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Ocwen mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted Ocwen several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-07-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

To Whom it May Concern : On or around XXXX XXXX, 2016, I contacted Rushcard Prepaid Debit Card Services to report my prepaid debit card lost ( in addition to losing my Rushcard Prepaid Card, I lost my photo id which I told the police officer about ). On or around XXXX XXXX, 2016, I submitted a dispute in writing to Rushcard Prepaid Debit Card Services for XXXX unauthorized charges including one for {$480.00} at the XXXX XXXX. On or around XXXX XXXX, 2016 Rushcard Prepaid Debit Card Services granted me a credit for XXXX out of the XXXX unauthorized charges. But on or around, XXXX XXXX, 2016, Rushcard Prepaid Debit Card Services denied my claim for the last and final ( XXXX ) disputed unauthorized transaction of {$480.00} at the XXXX XXXX, stating that no Error occurred which is inaccurate as I did not authorize that charge.i would like Rushcard Prepaid Debit Card Services to refund me {$480.00} immediately before I file an arbitration complaint against them pursuant to the cardholder agreement. My name is XXXX XXXX and I can be reached at XXXX. I look forward to Rushcard 's kind and prompt phone call. 

XXXX XXXX
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have been sued by XXXX XXXX and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted over 5 complaints to the credit bureaus. They have refused to investigate the discrepancies in my credit report. I have attached a 3 bureau table showing the errors in my report. Please assist in making sure XXXX, Experian, and XXXX do their job. Thank you
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX You have this account balance as {$24000.00} but the current account balance is XXXX XXXX have attached a screenshot of this account information below
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently found out that I was a victim of fraud. I have previously disputed these items, but they got reinserted on my Credit Profile. Please remove them as they are affecting me negatively. This account I just recently found out : XXXX XXXX - XXXX XX/XX/XXXX. I never had a joint account. This is not mine. You have already removed this from my report and I don't understand why this fraud got reinserted. Please remove these inquries too from my credit reports as they are fraudulent : XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX / XXXX XXXX XXXX - XXXX - XX/XX/XXXX.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

I have a private loan through Sallie Mae, now XXXX. I acquired the loan for my semester starting XX/XX/2010. They lied, from the very beginning and being a young and impressionable kid, I did n't know any better. They told me my variable loan would n't go above 6.9 % interest when i signed, it is now at 10.25 %. ( I now understand the difference between fixed and variable ) I tried to get my co-signer released multiple times, and was told at least 2 of those times they " had n't received my fax in regards to my income/XXXX etc. when i had the fax confirmation etc. ) Just overall constant run arounds with their services. I called 2 years ago asking for an income based repayment plan or interest rate reduction because it was at 9 % then and got bounced around multiple times, was told to call back in 2 weeks so they could " get things in order, in regards to my finances etc. '' I called back in 2 weeks, that person, XXXX i think? switched departments, I then had to go over my whole situation again, although I only got halfway through when the customer service agent cut me off mid sentence saying " Well your mother is a co-signer, you should just let her pay. '' I was never so irate or upset, and had n't called back for a year after. Tried to get her released again a year later, submitted XXXX 's etc., got the fax confirmation, I know it was the right number, etc. and they still tried to give me the line " they had n't received it ''. I 've been waiting for a lawsuit with this loan service and my prayers have hopefully been answered.
Consumer complaint received 2016-08-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (NV)

Got call/voicemail from " legal courier '' XXXX XXXX from protected number who stated that he will be delivering legal papers to my home address on Firday and to make sure that I am available. This papers are filed against me in case with my SSN and provided me with reference number ( XXXX ). He also said that I need to contact issuing office at XXXX with any questions. Same voice mail message was left at my parents home phone number and I never listed that number as my phone number. I called given number and it was anwered by XXXX XXXX from Lion Stone Holding LLC who state that they filed case agains me for debt of {$1400.00} and if I do not pay it immediatelly I will be subject to legal case and possible arrest. I end up paying XXXX i have copy of " receipt '' as well as voicemail message available for further reference. After doing some research no " legal courier '' XXXX XXXX exist. I beleive it was a scam.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OK)

In the beginning of XXXX XXXX we contacted the Oklahoma XXXX XXXX to inform them that our unpaid income tax would be paid by the end of the month and to ensure a lien would not be filed. They assured us the lien would not be filed unless the income tax was not paid by XXXX XXXX. Two weeks following that conversation we received the lien in the mail which was paid in full the following day. On XXXX/XXXX/XXXX, I filed a dispute with XXXX and Equifax stating the same since this lien had appeared on my reports. On XXXX/XXXX/XXXX, XXXX confirmed and deleted this from my credit report. Equifax submitted their results today, XXXX/XXXX/XXXX and has refused to remove the lien from my credit report. It is obvious from my attached credit report that I am a financially responsible consumer who continually makes payments on time and is never late and satisfies each and every loan that I take out. This is the only negative thing listed on my report and it is hindering me from refinancing my home into a conventional mortgage which will save my family and I tens of thousands of dollars in the next decade.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (UT)

After running into some steep medical bills we fell behind on the mortgage payments. Wells fargo offered to rewrite the loan at a higher risk interest rate ( 9.5 % ) and roll the over due payments into the revised loan. They also told us that after 3 years of on time payments the rate would be reduced ( 6 % ) and we would be returned to the regular risk pool. It has been 4 years now since we have had a payment more than 10 days overdue and because the high risk department was collapsed into the general bank during the mortgage crisis, no one will even discuss that provision with us. Every phone call is redirected until it is cut off or gets to a message machine that is ignored, with no return. At the same time there is a {$300.00} balance in an unassigned funds category on my statement. which when asked about I am told they have n't been paid yet. The fact is that I usually overpay some and they are just holding that overpayment instead of paying the principle down.