davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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: WELLS FARGO & COMPANY (PA)

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, WF CRD SVC add a hard inquiry on my credit report per XXXX  and XXXX.
Consumer complaint received 2024-10-22
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. (FL)

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

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  # XXXX
Consumer complaint received 2019-04-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I obtained a mortgage from Washington Mutual Bank, FA., which is currently insured by XXXX XXXX XXXX  Title Policy XXXX. On XX/XX/XXXX, JP Morgan Chase Bank, NA, claiming to be the predecessor-in-interest to Washington Mutual Bank, FA, filed a foreclosure action ( index No. XXXX ) against me in XXXX XXXX XXXX Supreme Court. On XX/XX/XXXX, the XXXX XXXX XXXX Supreme Court dismissed JP Morgan Chases foreclosure action ; ruling that JP Morgan Chase Bank, NA did no prove it was the predecessor-in-interest of my Washington Mutual Bank, FA mortgage. 

Instead of adhering to New York Consolidated Laws, Civil Practice Law and Rules - CVP 5513 ( the appeal process ), on XX/XX/XXXX JP Morgan Chase Bank, NA arbitrarily entered into the XXXX XXXX   XXXX Department of Finance/Office of the City Register record a mortgage assignment, whereby assigning my Washington Mutual Bank, FA mortgage to JP Morgan Chase Bank, NA. On the same date of XX/XX/XXXX, JP Morgan Chase Bank, NA then assigned my Washington Mutual Bank, FA mortgage to XXXX XXXX XXXX XXXX as Trustee. Slighting the XXXX XXXX XXXX  Supreme Courts XXXX XXXX, XXXX foreclosure ruling, on XX/XX/XXXX, JP Morgan Chase Bank, NA secured XXXX XXXX Insurance Policy # XXXX on my Washington Mutual Bank, FA mortgage/property. To date, JP Morgan Chase has not recorded its XXXX XXXX  Insurance Policy  into the XXXX XXXX XXXX Department of Finance/Office of the City Register system. On XX/XX/XXXX, approximately seven years four days after JP Morgan Chase Bank, NA had filed its year XXXX foreclosure complaint against me, XXXX XXXX XXXX XXXX as Trustee followed suite and filed a foreclosure ( index no. XXXX ) against me in XXXX XXXX XXXX Supreme Court, which is currently ongoing. To date, JP Morgan Chase Bank, NA has not provided to me, XXXX XXXX XXXX Supreme Court, or the XXXX XXXX  XXXX Department of Finance/Office of the City Register any legal evidence that is in fact the predecessor-in-interest of my Washington Mutual Bank, FA, which I obtained on XX/XX/XXXX.
Consumer complaint received 2019-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I submitted a complaint recently in XX/XX/2019. My complaint number is XXXX,. The representative, XXXX XXXX, said he will provide me the payment history by XXXX-19 but I have not received the documents as promised nor have I received an update. 

I am not sure of the status of my initial claim or how to proceed? 

XXXX XXXX
Consumer complaint received 2019-04-07
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OH)

Navient has continuously attempted to collect a debt that I do not owe. This debt was originally owned by Sallie Mae and the Sallie Mae loan were deleted from my credit report. They can not collect a debt that hat been deleted by the original owner. I requested information concerning the original creditor and the original account number on XX/XX/2019. I have included a copy of that request and a copy of the promissory note showing the original creditor and a copy showing that It was deleted from my credit report. This has been ruining my credit. They are violating my rights as a consumer.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

Discover credit card my limited was {$4000.00} i always pay recurring from my bank account I have balance pay off never use the credit card for some reason credit get increased notice when login my account noticed discover continues taking money monthly call discover ask way continue taking money if pay off my balance customer service say the have very high balance I try to explain is impossible because a pay complete total amount with my tax. Customer service person said my credit was increased new car was send to my address never revive new card ask for investigation person send me new car never use this investigation went to south XXXX court district discover never presented to court day. XXXX and XXXX hotel send me letter apologize my information was Sposed never think some use identity moved get letter need to present to court. I try to login to my discover account to print my statement approved to see whenre this charged was made discover remove my access denial my privilege to login into account. I ask if that my account a have Right to get stamenst see what happen, I call discover multiple times asking for send me by mail old statement begins to the end was denied to send to me. Only need to pay the balance I submitted XXXX and XXXX nothing get resolved
Consumer complaint received 2019-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX {$6500.00} & XXXX XXXX {$750.00} There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from XXXX   XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (IL)

In XX/XX/2012, I went into a hospital in Wisconsin with XXXX related issues, I had XXXX. I have provided the original hospital with my XXXX number, which they say they " didn't have '' at time of service. I have called two other times and sent it to them directly, at which they said it was too late to go back and bill them now, so it was just " my responsibility now ''. 

Now it's been turned over to a collection agency for about 4 years and they have, in addition to refusing to remove it, seeing that I had insurance and it was THEIR mistake not to bill them, have also ADDED to the original bill, nearly {$300.00} in " mystery '' charges.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

This is a card from XXXX. I have contacted Citi in regards to the payments, i do my payments online and sometimes even though they withdraw the money from the payment they don't apply this amount. They say that the process takes 15 days, in some case i have asked my bank and create a joint call to show that the funds have been withdraw. 
The checking account is the same one and i have used this account for the last two years and always made my payments from the same account. 
i have to pay my credit card in small accounts because if i made a payment higher than XXXX, they hold the payment to reflect in my account for 15 days.
Consumer complaint received 2019-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a bill from Midland Credit Management dated XX/XX/2019, to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with XXXX. A couple of years ago I received a fraudulent call from someone claiming to call from XXXX for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX  XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.
Consumer complaint received 2019-04-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I called few times to remove this collection accounts from my Beureau- cfsi XXXX XXXX XXXX : csfi manager XXXX XXXX XXXX XXXX : on XX/XX/2018 She promised to remove it due to mistake. I have been identity theft victim. Never have been in hospital or any debt and they still reporting wrong and causing me damages I found that 46 like my name have in us but I cant do anything. I sue XXXX ans XXXX ans the paid compensation. I will give company XXXX / cfsi or whatever there name 7 days to remove or will sue them as well. Please advise them for the last time! 
My last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Advise to my email please : XXXX XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I XXXX XXXX am filing this official complaint to get reimbursed XXXX $ from XXXX XXXX and am this complaint also in conjunction of My current financial institution XXXX XXXX Bank XXXX Pennsylvania. I am sure XXXX is operating fraudulent. Upon signing up with their initial paralegal to start proceeding with credit repair I was verbally quoted a specific charge of XXXX $ per month. Then I was contacted by another paralegal to re-evaluate my case. This paralegal quoted a price of XXXX also she said she would transfer me back to customer service to see if they would honor afore said price when I initially signed up for credit repair. I am fully aware that the reason I was contacted the second time was because prior to XXXX charge I had shut XXXX XXXX debit ach for XXXX down. So in turn they reach out again and literally bully me verbally into reopening ACH for a totally different amount per Minth but yet My XXXX XXXX account is being ACH debited from XXXX every two weeks. I dont get it? And then they super imposed my signature to a new contract and XXXX XXXX Believes XXXX. Why? Because XXXX XXXX knows I tried to stop ACH and they are aware that XXXX are literally Robbing people. I wS asked by XXXX XXXX if I wanted to stop transactions on my account? What? And I would be a damn foul to keep that account open so XXXX can go in my account and take more money? The snow ball effect starts then I have more problems with XXXX XXXX overdrafts which are XXXX $ each. 
So very Sincere XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NRA Group, LLC (NV)

I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.
Consumer complaint received 2019-04-05
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: ID Analytics, Inc. (MI)

Applied for credit sale of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Initially I refused the purchase due to exceptionally high interest rate. This occurred XX/XX/2019. At the time they quoted a rate of 22 %. Received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX stating they must regretfully inform me that they were not agreeable to handling the proposed transaction due to their decision based in whole or in part on the two agencies listed. XXXX and XXXX XXXX. XXXX located at XXXX XXXX XXXX XXXX, PA XXXX with a toll free number listed as XXXX gave a credit score of XXXX with a range of XXXX to XXXX which to me seemed fairly decent. The other company whom I have never heard of XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX CA XXXX with a toll free number of XXXX gave a credit score of XXXX with a range of 1 to 999 which seemed to me to be very low in comparison to the three major reporting agencies. When I attempted to make an inquiry to XXXX. They were requesting way to much information about me such as a copy of my drivers license as well as other personal information. I refuse to provide personal information to some company Ive never heard of. Their key factors stated ; limited history for consumer at address and phone number which Ive had for over 10 years. Not enough debt experience which Ive had for 30 years plus. Too few bank card accounts which Ive maintained for 30 years plus and limited history for consumer at this phone. My complaint comes from the fact that upon checking for reviews concerning XXXX I found at least 25 reviews with all reviews stating the same thing, a low credit score from XXXX after receiving high scores from the three major credit bureaus, which generated a high interest rate. This seems like a scam from XXXX or XXXX Bank to artificially raise interest rates on unwary consumers who are applying for credit or loans. This is apparent from the fact that if I had accepted their terms at XXXX XXXX I would have gotten the credit based on a 22 % interest rate. But due to the fact that I declined them they are now saying that they denied me based of my credit worthiness. I also reviewed the XXXX and they were not a member, which to me is another red flag. Please investigate before this company can rip others off based on their methods of artificially raising interest rates.
Consumer complaint received 2019-03-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp. (NY)

My dad and I purchased a " XXXX XXXX XXXX XXXX '' in XXXX before he passed away. My dad was my co-signer. Since my dad 's passing I relocated to XXXX, XXXX. I fell back on some payments due to not having the finical help I had with my dad in XXXX. I began looking for employment in XXXX so I can start making payments on my vehicle and paying off my other debts. It took me some time to find employment. I immediately contacted XXXX XXXX to let them know about my financial situation. They asked me to fax my dad 's death certificate over to them to verify that my dad was deceased. Which I found rude and they were not compassionate and had no sympathy. 
I did as they told me. I faxed my dad 's information and my vehicle was towed anyway. 
My car was sent to an auction and I have been contacting XXXX XXXX to update me information about making payments but I keep getting the cold shoulder. 
I need some one to help me with getting my car back please. I have been getting to work late because I don't have my car. Thank you.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (DE)

I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. 

Horrible customer service who has absolutely no clue.
Consumer complaint received 2019-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX XXXX XXXX I paid {$200000.00} to my duplex for a {$60000.00} mortgage. They foreclosed on my property for a {$53000.00} balance XXXX XXXXselect portfolio servicing. 
I have paid {>= $1,000,000} to my house for a {$260000.00} first mortgage and an {$82000.00} second. They say I still owe {$250000.00}! 

XXXX I paid {$160000.00} for a {$33000.00} mortgage I assumed {>= $1,000,000} for XXXX I was given. 
{>= $1,000,000} interest and {$0.00} to principal Less than {$700000.00} total principal and interest due leaves {$860000.00} for taxes and insurance and credit card balances of about {$250000.00} total. 
There is at least {$650000.00} missing. 
And I owe {$0.00}. 

Of that {$650000.00} XXXX owes me {$50000.00} XXXX XXXX owes me {$160000.00} the extortionists at Select portfolio servicing owe me {$230000.00} The current statement balance is {$210000.00} I already overpaid to the other two {$37000.00} i never owed and {$10000.00} paid to shortages.
Consumer complaint received 2019-04-07
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. (OH)

XXXX XXXX sold this account to XXXX XXXX which are 2 accounts that does not belong to me. I called XXXX only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is these accounts not mine but XXXX XXXX is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX and XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved. I have been living at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX for decades until moving to XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XX/XX/2017 to present.
Consumer complaint received 2019-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is an account that does not belong to me. I called XXXX   only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved.