davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (IL)

I filed for personal bankruptcy in 2010. I understood from my lawyer that I would lose my mortgage because of the filing. This was not a problem since I did not think I had any equity in the home. And, a family member offered me free housing. A while after filing bankruptcy Chase Bank, my original mortgage holder contacted me and told me they wanted to give me a new mortgage so I could stay in my home. I explained that I could not afford the home because I had taken out all the equity with a loan from XXXX XXXX. Chase wanted to look into the issue, I sent them all the information they requested including all my bankruptcy documents. The bankruptcy documents clearly showed the loan from XXXX. A short time later Chase contacted me and said XXXX did not have a lien on my home. They said the loan from XXXX was not a home equity loan as I thought but rather some kind of personal loan that was dismissed in bankruptcy. This meant that I had enough equity to afford a new mortgage, although it would be a struggle to pay the mortgage. I accepted the new mortgage from Chase Bank. Five years later XXXX XXXX finally contacted me and told me that I owed them all the equity in my home and they wanted payment. They said Chase was wrong and I had to pay XXXX. I could not pay XXXX so they informed me they would be forced to foreclose on my home. 
Today I finally sold my house so I could pay off both Chase and XXXX. 
My complaint is that I feel Chase defrauded me. I would never have accepted a new mortgage from them five years ago if they had told me the truth about the loan from XXXX. I would not have struggled for five years to pay the mortgage and would have been staying with family for free while I finished school.
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I am XXXX I have XXXX and live on a fixed income. I have people that care about me. Call nine-one-one when XXXX they care. It 's not my fault that I go into the hospital for days sometimes weeks. That 's part of my illness and I 'm living with that I should not be billed for being sick. That 's the job of XXXX who is my insurance company that needs to pay whatever is left. I 've had XXXX since I was XXXX I am now XXXX years old. There are some days out of the month where I do n't eat because I do n't have enough money to eat because I have so many bills that I have to pay. Everything on this report is XXXX I do n't have XXXX outstanding bill from any credit card company at all. Everything on my report is due to my medical condition. They are all collections from Medical collection agencies.
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. (VA)

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 2016-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I am filing this complaint because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 days and can not verify this account, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " DELETE all information that can not be verified. '' Please make them do their job.
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Adjustment Bureau, Inc. (IA)

I am a victim of identity theft and someone stole and used my personal information to get unauthorized health care using my identity and personal information. I have received harassing and threatening telephone calls and death threats from Financial Adjustment Bureau in regards to XXXX different unauthorized and fraudulent medical accounts and debts that do not belong to me.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I originally had XXXX inquiries on my transunion report. I added XXXX more within the last two months for a total of XXXX within the last year. 
Every week, the entire XXXX inquiries are deleted for no reason. A week later, the XXXX inquiries are re added lowering my score. These same inquiries have been removed and re added several times. I am trying to rebuild my credit and this has dramatically lowered my score. This needs to stop. They need to stay on or stay off. It 's ruining my credit
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I built a home in XXXX of XXXX my escrow taxes that year was like {$97.00} and something I was told to put extra money to my escrow account the later for the next 6 months I receive a payment booklet from Greentree stating that my annual payment will be {$1200.00} and some change in XXXX of XXXX I received the escrow refund check of XXXX I asked him was this correct they told me go ahead and spend it everything 's right they 're not responsible keeping anything over 3 years went by I find receive my first in annual escrow disclosure statement and it shows that now I 'm behind XXXX {$3.00} XXXX Greentree has changed its name to Ditech. My mortgage principal and interest isXXXXXXXX escrow isXXXXXXXX in the beginning. New payment Effective as XXXX/XXXX/XXXX is principal and interest XXXX Escrow is XXXX Escrow shortage fee XXXX for next 48 months bringing my new mortgage to XXXX. This should never happen and it should have never took them 3 years to figure this out.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

My XXXX loans given to be while attending XXXX XX/XX/XXXX, were converted to loans because the XXXX I ended up working for was not low-income ; even though, this is ridiculous because teaching in math is a difficult task in itself. That was problem number one. Problem # 2 - Then years later, my other loans from XXXX were taken by XXXX XXXX and then passed on to XXXX. This past year when I applied for the Teacher Loan Forgiveness, my loans from Navient got sent to FedLoan and since then ( XX/XX/XXXX ) I have been dealing with XXXX. To begin with, my account showed 'delinquent ' for an issue that was FedLoan 's for not applying my payments correctly. Currently, after trying to consolidate, my payment is high because the paperwork I submit is never correct, but no one ever calls or sends email to let me know what the problem is even though I always call to make sure I am submitting the proper paperwork. It seems as though all the people working for FedLoan have different information and there is no office where I can personally talk to someone. I just keep having to call an obscene amount of times talking to different people to give me different answers to my problem. This consolidation is XXXX too since once I consolidate that is when the 120 payments will start counting towards the Teacher Loan Forgiveness even though I have been paying now for 8 years and I am near the end of my 120 payment. I think that it is ridiculous how difficult it is to teach ( especially math in any school ), and how it is so difficult to have part of these loans forgiven after giving back to the community by teaching kids. The school rates are ridiculously high and all the hoops that one has to go through just makes it seems as though it is nearly impossible to have Loans forgiven after 10 years. There is something really wrong with the system. It 's like being punished for going to school. Now I see how people see going to school : as a way to be in debt for life and feel like one just works to pay off loans for getting an education. I am so tired of paying these ridiculous amounts in which my debt never seems to come down since it all goes to interest. I hope more people feel the same so there is a way to change this ridiculous system.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The three main issues : ( 1 ) Mortgage payments for an ( 80/20 ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) XXXX issued an 80/20 mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating both loans ( 80 / 20 ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with XXXX XXXX, then both went to Bank of America, then to XXXX mortgage. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been trying to get a mortgage modification through Bank of America making homes affordable program loan # XXXX XXXX XXXX XXXX XXXX, MA XXXX This request has been going on for over 2 years. They have lost documentation, changed associates, change people handling my case several times. There is no clear cut solution at this or any point. Please look at the history of my case and the length of time. I will try this proses one more time.
Consumer complaint received 2024-10-03
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. (PA)

Subject : Notice of Dispute Compliance with 15 U.S.C. 1681n To Whom It May Concern, I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, as reflected by XXXX and Experian. This account has been deleted by XXXX and XXXX as due to the inability to verify it, yet XXXX and Experian are still reporting it as a charge-off account. I believe this continued reporting to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n.

Additionally, I note that both Experian are reporting the account with a credit limit, which is incorrect as the account has been charged off. Furthermore, the account is being reported as charged off in consecutive months, which is misleading and does not accurately represent the account status. 

I kindly request that Experian conduct an investigation into the accuracy of the reported information, as required by the FCRA. I expect this matter to be resolved promptly, and I request written confirmation once the investigation is completed. 

Please be aware that failure to comply with the provisions of the FCRA may result in legal action, including claims for damages under 15 U.S.C. 1681n.

Account Name : XXXX XXXX Account numberXXXX **** :
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This is written notice to Transunion that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the inaccurate, invalidated, disputed accounts information in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to TRANSUNION by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( TRANSUNION has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. TRANSUNION has failed to remove these INACCURATE, INVALIDATED, DISPUTED accounts outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and TRANSUNION has failed to legally VALIDATE these accounts information in the time frame allowed to them by law.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

XXXX XXXX XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 
I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Application processing delay — 
Company: WELLS FARGO & COMPANY (MI)

I APPLIED FOR A CREDIT CARD ONLINE ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

I have been Disputing XXXX XXXX credit card both for me and my husband as we both had our own accounts, during XXXX XXXX, our city was wiped out XXXX. called demanded payment said we were late, I have proof of the payments including the late fee 's they charged each of us, i have sent them to the cb, and all i get is investigating, then it says there valid, XXXX sold it to a collection agency i demanded to see proof of what i owe they sent me a copy of mine dated due XXXX/XXXX/11 new balance {$56.00} Balance due XXXX i paid on XX/XX/XXXX XXXX on XXXX and {$15.00} on mine then again they called me barley have power to phone as we had no electric for months said i owed more i was furious for the way we were spoken to and treated so i paid it not having a bill on XX/XX/XXXX {$290.00} on one and {$280.00} on another and demanded they close our cards i will never ever do business with them again, next thing we know there on our credit reports as owing XXXX plus and our credit limits were only XXXX each account, how can i owe something we paid many years ago all over again, and i sent all this evidence to all cbs demanding no more investigations as they are lying, they sent me proof this is what they claim i owe i have proof it was paid, it should be a end to this story and total delete, as the CBs have deleted it off a few times and it comes back on again, from XXXX and the collection agency they sold this too how is this fair to us, what are our rights, I closed both cards on XXXX/XXXX/2011 clearly remember as i said we were all in a fire house the entire community trying to share food and stay warm!!! im sending a sample of dispute but it was sent to all XXXX many times
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

In XXXX Bank of America responded stating that they had assigned me a resolution specialist, XXXX XXXX XXXX, and that I should make contact with her. I called the number ( XXXX ) a total of five times, and I left voice messages. No one ever contacted me, or responded to my calls. I recently received a letter via XXXX stating that I did not take advantage of the assistance from their company. This was not the case. Bank of America has a way of making their customers appear as being the wrong-doer. Bank of America appear that they are helping their customers, but in reality they are not. It is not by coincidence that there are many customers who are dealing with or who have the same experience with Bank of America as I have. 
In addition, I was a victim when I received this adjustable mortgage. I was part of the bad mortgages that was being approved back in XXXX when Countrywide sold my mortgage to Bank of America. I 'm XXXX with a reliable job, and is capable of making a reasonable mortgage payment as I always did prior to XXXX when my terms changed. The person who sold me my home ( XXXX XXXX ) who worked with the broker to get me such mortgage is now serving prison time in a federal prison for mortgage fraud. I feel that Countrywide and Bank of America knew what they were doing when they approved these adjustable mortgages to later foreclose on people 's homes.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX I purchase my home original loan amount with Chase bank {$100000.00}, in XX/XX/XXXX I was forced to do a loan modification with Chase Bank at that time my loan amount was {$100000.00} I just today XXXX/XXXX/XXXX realized that at the time of the modification Chase put another {$11000.00} on to my principle balance bringing the loan amount up {$110000.00} and even after XXXX years of making payments I owe {$100000.00} on a home that I have been paying on for fourteen years. Not to mention that they gave me a 40 year period in which to pay this. The modification was done in XX/XX/XXXX it is now XX/XX/XXXX how is it possible after making monthly payments for four years my principle balance has only come down XXXX dollars? and how is it that in doing a loan modification they are able to add on {$11000.00} to my principle balance? How is it that I owe more on my home now then what I purchase it for fourteen years ago? I have never received a loan against the property, I have tried to be responsible and do the right thing how could this have happened. The banks are really getting over, rip off. The Loan Modification I thought was put in place to help people stay in there homes, Obama created this mess he needs to step up and do something about it. I WOULD ADVISE EVRYONE DO NOT DO A MODIFICATION WITH CHASE BANK!!!
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

navient XXXX was told i could get my co signer off of it after paying 9 x in a row didnt happen, they stopped taking money from my account after the 9th month and still continued to call. split my loan into alot of small loans to subsidiaries and call me all day from all kinds of different companies that i do not know/trust and will not answer. Took my loan out of default, then it instantly changed hands to another company within navient and is currently harassing me with phone calls XXXX. paid a fee back in XX/XX/XXXX or XXXX, to consolidate my loans ( private ) into XXXX loan and they did nothing. Was told when i first started college that I would only have XXXX loan instantly had XXXX i didnt know about till i graduated ( mostly XXXX 's fault. )