davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

I paid equifax XXXX to unfreeze my account permanently. Last week I applied for a mortgage and found out it is still frozen. When I called I could barely understand the woman. but I Think she said I temporarily did it twice ( after saying there was no record ). I never did this. all I want is for it to be unfrozen like I asked them to do. not try to get another XXXX dollars out of me and ask for some code no one gave to me. I do not know what to do. THank you for your help and time.
Consumer complaint received 2023-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I received a notification of a debt that I do not recognize. I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. Additionally, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the account in question is as follows : XXXX XXXX XXXX
Consumer complaint received 2017-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XXXX XXXX, XXXX, I discovered that XXXX XXXX account number XXXX opened XXXX XXXX, XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XXXX and XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (AL)

XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

Starting XX/XX/XXXX I called to see how much my loans would be. I was referred to student aid dot com for my repayment status. I attempted to find out how much my loans would be by using the calculator stimulator. I received the correct info to repay. Then I had to apply to repay. I found out I'm already in a payment plan. The amount I'm being asked to pay is high. I don't have $ XXXX to pay for my loans. I tried to call to speak to a representative. The only info on the phone is directing us back to the website. I need to speak to someone so I can be on track instead of falling behind before XXXX. I can't log in. When I try I'm being taken through authentication ao i process. I have to wait all day to receive a email just to login. It seems as though we as the borrower are being taken through the wringer just to pay these loans back. I need help. I can't afford to fall behind. I provided a picture of me waiting and no password recovery. Nothing came to my email.
Consumer complaint received 2017-08-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

I am currently working with Quicken Loans for an FHA mortgage. My issues started on XX/XX/XXXX with this company. 

In the contract from the seller, it states that I have already made a down payment of {$10000.00} dollars. Which means I would not need an additional down payment. Quicken Loans refuses to accept this. 

On XX/XX/XXXX, I was told that all of my asset verification documents were not accepted. I was given {$3000.00} dollars by my parents as a gift to use for the additional down payment Quicken Loans was requesting. All documentation was verified. And Quicken Loans rejected it. I have sent 3 months worth of bank statements, was told this was n't acceptable because they could n't verify where the money from my parents came from, when documentation and proof were given as they wanted. So I was told they needed 60 days worth of documentation from my bank again. I had {$2500.00} in my account, and they knew exactly where it came from, between my employer and my parents and refused to accept it. They keep changing how much I have to have in my account. I have to have {$2200.00} dollars in my account to close. I have over {$2500.00} dollars in my account and they refuse to accept it. Told me to wait two weeks so I could get two deposits from my employer and that would be acceptable. 

I have done EVERYTHING they have asked and they keep jacking me around and denying everything I send. I feel they are scammers. I never, ever had this issue buying a house before.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Performant Financial Corporation (NY)

I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Performant Recovery. I had federal student loans that were being collected by XXXX, I could not afford to pay them at the time and defaulted. In XXXX of XXXX, I spoke with XXXX XXXX and agreed to a nine month XXXX program with Performant Recovery for my defaulted federal student loans. Performant Recovery , Inc. is located at XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX XXXX 's telephone number is XXXX. After making my ninth payment XXXX XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within 72 hours. 72 hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have be in a position to rehabe my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want Performant to honor the contract to which we agreed. 

Sincerely, XXXX XXXX ( formerly XXXX XXXX )
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (GA)

I am writing to formally file a complaint against EQUIFAX, XXXXXXXX XXXX XXXXXXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE EQUIFAX, XXXX, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from EQUIFAX, XXXX, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, XXXX, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served
.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX, I submitted credit applications for Capital One. Each and every one was denied. However, I never consented or submitted a credit application knowingly with my personal information for XXXX. I received an email from Capital One on XX/XX/XXXX stating that a credit card was shipped out. I was completely unaware of any credit applications submitted with my personal information.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

There is currently a property tax placed on my credit report that is fraudulent and preventing me from renting an apartment. The original creditor is XXXX XXXX. Upon moving out they claimed there were many damages that did not exist. It is now owned by Credit Bureau Associates. The amount is {$1800.00}. I can not get housing because of this. I had no chance to defend myself. The damages they claim simply do not exist and there is no evidence of it. I am currently XXXX and need to obtain low income housing. I need to have this removed from my credit report.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, Experian and XXXX  credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (WI)

This is regarding online purchase of a product from Amazon, USA. I am prime member of Amazon and I was planning to buy an XXXX for self and proceeding to check out. 

When I added the item to the cart, XXXX website prompted me with a offer to Apply for a credit card to get instant XXXX $ discount upon approval. System showed me the details Product price is {$240.00}, after approval I would be eligible for {$70.00} discount immediately and final amount I would have to pay is {$170.00}. 

I found the deal interesting assuming that I would get an instant approval or rejected option and purchase the item. 

Then I went ahead and filled all details on Amazon website to apply for the Amazon credit card to avail the discount. 

When I submitted the application, to my surprise I got a message that my application would be reviewed and the status would be notified within 30 days. 

I think this is clear case of misleading the customers. Website says instant discount upon approval. So any normal mind person would think the status would be notified immediately. If it has to take 30 days then why would someone wait for 30 days to purchase a product. Hence I wanted to cancel my application. 

I made multiple calls to amazon customer care and spoke with XXXX ( team lead ), XXXX, XXXX and XXXX ( Lead ). 

They were helpless and connected me to XXXX. XXXX executives asked to contact Chase Bank. Chase Bank executive ( XXXX ) said she is helpless. My application is still in pending status and ca n't be canceled. She asked to circle back and contact Amazon customer care to get a clarity on such discount information displayed on their website. 

Since 1 hour I am struggling with everyone to get my application canceled. I do n't want my credit card get approved as I ca n't take benefit of the deal after 30 days. 

I believe this a clear misleading information to encourage customer to apply for credit card and once it 's submitted, customer does not get any benefit since card goes for an approval process which may get delayed by 30 days. 

I request you to please help and get my application canceled and also please ensure such misleading information is controlled.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NH)

going back about 5 years ago, navient reported to the XXXX New York state, that my parents plus private loan was in default, and the following amounts were garnished from my federal tax returns, according to the XXXX : XXXX XXXX, 2014 {$1000.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$1700.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$190.00} XXXX principal XXXX interest XXXX other? 

For a total amount of {$2900.00} This was illegaly taken from my taxes as we put all my sons loans in deferment, and this should have been included. the loan went into default and they took the money. Navient and XXXX XXXX, told me that these loans could Not be put into deferment or forebearance and since they were not paid they took my tax return funds shown above. 
My sons current loans INCLUDING this loan are now in forebearance or deferment, which is troubling. This all started when the entities above, XXXX and navient, said they could NOT be included in the XXXX actions refered to above.I WANT my money returned and the amount re-added to the current loans all in deferment, as it never should have been garnished. these loans should ALL have been in deferment or forebearance since day XXXX XXXX This has caused a financial hardship during that time, and started many arguments with my son. Navient sent me letters sometimes XXXX4 times a week demanding money and being very unprofessional and rude to put it mildly..
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is stating that I still am delinquent on an account I never opened account # XXXX. I have disputed this with XXXX, Experian and XXXX itself. Please help! Date opened said date XX/XX/XXXX. with a balance of {$2300.00}. My question I keep asking them as well would be how could you ever get a bill that large ..they turn off accounts after 1 month of no pay which leads me to someone giving fraudulent amounts. Thank you so much for your attention on this matter XXXX XXXX
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Been trying to get 2 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened a credit card with HSBC bank in XXXX had insurance on this card to cover if I lost my job or was ill. In XXXX I got really ill was unable to pay no help from the insurance part the card was switched to XXXX XXXX because HSBC did away with credit cards so it went to collection. In XXXX I had a collection company contact me I paid XXXX for this account the bank account that I had I no longer have nor is this card on my credit. Now I have a company calling me saying I am being sued over this account that it was open in XXXX which I ask how do cards get reopened when it isn't on my credit report nor do I get notifications. When I called the number I am being contacted from I ask how every 7 to 10 years I am being contacted and it's no longer on my credit and they should look at the collection company that took my money for this card.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I signed up online for a new checking account at 5/3 Bank under a promotion which offered a {$200.00} bonus after making 3 online bill payments and setting up a direct deposit. The offer states that a {$50.00} minimum deposit is required to open all checking accounts and obtain bonus. I made the 3 bill payments on XX/XX/XXXX and a {$50.00} payroll direct deposit on XX/XX/XXXX, thus satisfying all of the necessary requirements. The terms of the promotion stated that the bonus would be paid out within 6 weeks of completing the requirements. As of XX/XX/XXXX, I still have not received my bonus payment despite multiple phone calls to customer service. The bank is claiming that the offer required a {$500.00} minimum direct deposit, however the terms of the offer displayed online when I applied made absolutely no mention of {$500.00} minimum. The only minimum deposit amount mentioned in the terms was the aforementioned {$50.00}.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

My student loans were with Nelnet. I lost my job and requested a deferment. I got another job paying much less than what I was making, however, I know I still need to pay my responsibilities. I have been trying to get on the IBR income based consolidation repayment program. Nelnet just kept giving me the runaround. Then they made me think that I was speaking with them but was transferring me to a collection agency. I kept calling them. Now they tell me that they sold my loan to XXXX a collection agency. XXXX is not bonded to collect in my state. I have been a victim of identity theft in the past and it was hard overcoming that. Now my identity has been compromised and I am being denied my rights to be on the IBR PROGRAM due to their mishaps. Nelnet have a moral obligation to be honest and if they are selling my information, they need to know that it is with a legal entity. PLEASE HELP ME