davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (HI)

XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. 
The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. 
I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. 
Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. 
I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-04-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Chase, I appreciate all of your assistance regarding mortgage and explaining XXXX XXXX XXXX handled the foreclosure process in XX/XX/XXXX 
XXXX XXXX XXXX - appears to not be aware of bankruptcy proceeding until recently. 
XXXX XXXX XXXX - appears details may have not have been provided regarding foreclosure. 
Improper transactionmistakes and errorsappears to be a void-able deednotary revoked for code violationsappears to be a void-able eviction/unlawful detainer has wrong title sale number XX/XX/XXXXeviction during bankruptcy XX/XX/XXXX - XXXX and agents presented no bankruptcy documentseviction filed using title sale number foreclosure that was rescindedrecession shows bank was working with meinterest remained in propertymy biggest regret not paying mortgage to WaMu - as WaMu stated this was the only way to obtain a modificationAs well as any notice that Chase took over WaMu XX/XX/XXXX- XX/XX/XXXX - this may have prevented mistakes and errors that occurred.
Consumer complaint received 2024-09-17
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. (AZ)

I have been Battling XXXX for the past 10 years and I have recently discovered that my medical care giver has been using my personal information to take out XXXX credit cards in my name fraudulently without my consent XXXX XXXX XXXX  XXXX XXXX account number XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX  XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX opened XX/XX/XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

My loans are consolidated with Navient. I was on an income-based repayment plan and was given paperwork that informed me if I did not annually sign up by competing the paperwork for the income based plan, that I would be automatically switched to a standard 10 year repayment plan. After a year, I contacted Navient and was told I was still on the income based plan even though I had not completed the paperwork in almost 2 years. I asked to switch to the standard repayment plan and was asked " well how much do you want to pay? '' and I had to then calculate how much I 'd like to pay monthly in order to pay my loans off in 10 years. In the last year alone, I 've put almost XXXX in to my loans in order to get out from under the crushing debt and 6.375 % interest rate. I could basically own a second home with how much I pay for getting a XXXX XXXX XXXX in order to XXXX ( where a XXXX XXXX XXXX is the bare minimum to be able to obtain a XXXX ). This company does not care about student well-being or even doing their job to assist us. They prey on young people with a poor understanding of their loan practices and then exploit them as much as possible. My story is just one, but I hear from friends all the time of similar situations where they were uninformed or taken advantage of by organizations that claim to help us manage the insane debt issued easily to us by the government. I will be following the Navient lawsuit and hope to see some compensation for myself, a hard-working XXXX year old with my XXXX child on the way who completed her XXXX and XXXX education as quickly as possible and found a job immediately after XXXX, and who has put her life on hold for 5 years while most of her income is given to companies who take home enourmous yearly salaries.
Consumer complaint received 2015-06-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

based on document received from chase mortgage servicing unit aka as XXXX mortgages in XXXX Ohio XXXX Ohio chase whistleblower employees have been sending me documents relating to violations of uscfpb regulations regarding mortgage loan transfers from XXXX chase to jp morgan chase bank as well as copies of forged documents for oh XXXX to use in a fraudulent foreclosure after manufacturing defaults by not applying payments. now they and district manager XXXX of XXXX wa XXXX XXXX chase bank district manager have discovered XXXX of dollars on these documents being reversed and illegal fraudulent transactions and in chase computer that are being laundered through my mortgage escrow account calling them mortgage misapplication reversals and then applying them to unapplied funds and elsewhere. now they discovered the charging of property preservation disbursements to my mortgage account which only takes place if the owner is not taking care of the property and or a foreclosure. neither of which is true in m case. this conduct is consistent with the occ sanctioning chase mortgage servicing management for failure to comply with the national mortgage settlements and is consistent with chase bank now being a XXXX by the u.s. dept of justice Attorney General XXXX XXXX. it is time for the uscfpb and occ to gets its examiners into chase and start auditing my mortgage loan numbers of which there are XXXX and my escorw accounts as in cash accounting and all mortgages in loss mitigation which is chase euphemism foreclosure mill run by XXXX XXXX s.v.p and XXXX XXXX ceo of chase mortgage banking. we need cash accounting of which there is none in chase mortgage servicing to stockholders or homeowners. these practices violate the consumer protection law federal mortgage escrow accounting act. I have been complaining about chase escrow dept for five years. chase employees have erased all escrow information on my chase mortgage website and have not issued a detailed escrow transaction statement since 2010. the online transaction listing is a fake since it does not have an y internal misapplication reversals on it. no display of unapplied payments and no display of property preservation disbursements. the whole mortgage is a fraud the escrow is a fraud and I have docs from chase that may show my mortgage servicing is just a money laundering operation to steal my escrow funds and mortgage payments.and then XXXX them to XXXX as the occ has charged chase and XXXX XXXX of doing
Consumer complaint received 2017-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian on at least a half a dozen times to let them know that an account that they have or that they are showing on my credit report is not correct it shows that I have a balance of {$930.00} to upgrade card but that card has been paid off since XX/XX/XXXX of 2023 there is no balance there is nothing owed to this company I keep putting him disputes what the company says that they are reporting that there is a 0 balance but for some reason experience is refusing to accept the. Information or something they keep saying that they've done their investigation. But they keep coming back with the same answer. Which means somebody's not doing their not really somebody Experian is not doing their job they are just sitting there pressing a button sending out the same answer to everything without doing any real investigation or getting up off their butts with one phone call they could have cleared this up having this account paid off and not being credited for it is damaging my credit and not allowing me to move further just in case I want to get a home a mortgage a new car them not doing their job and not updating my credit report properly is holding me back from doing these things and I need this corrected ASAP
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated 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. Please delete the account : XXXX XXXX XXXX ( Original XXXX XXXX ) XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Received XXXXXXXX XXXX  .... noticed numerous inquiries... asked XXXX XXXX XXXXo investigate .... was met with resistance and put burden on me ...... I reiterated that frca clearly states ... .. creditor needs to furnish evidence and XXXXXXXX XXXX  needs to provide evidence in a timely matter .... with reluctance they agreed but within hours ..... I start receiving negative results.
Consumer complaint received 2022-11-29
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

After my first inital complaint ( XXXX ) I was contacted on my cell phone by someone at WellsFargo. I missed the call and called the number directly back. After speaking to the lady who answered the phone I was transferred to another lady, only to be disconnected during that transfer. Luckly I had the phone number and extension and called it right back, only to get a voicemail. I left a message and it took 2-3 days for a recall call. After being told my home specialist was changed from XXXX, who never returned my calls and was rude I was told I have an XXXX. I called XXXX direct number and left a message on XXXX/XXXX/15 @ XXXX to return my call. After not being called back I called and left another messsage on XXXX @ XXXX pm.. I still was not called back. I left another message on XX/XX/XXXX @ XXXX, finally I called again at XXXX using a different method other than his direct line. Needless to say he answered. When he asked what I needed, I explained I just wanted to know what was going on with my account. He said I needed XXXX full payments or I could do a short sale or foreclosure. I had explained how I had left him several messages and had left XXXX several as well. I tried leaving a payment on XXXX voicemail a month or so ago since she never called back. XXXX explained they can not take payments from voicemail. I was never called and told that, so how would I have known. No one calls back nor do they care if a family is about to lose thier home. I had sent XXXX the paperwork she requested when she was over my loan and even a letter explaining how my husband at the time had lost his job. I have to wonder if by me doing these complaints, is Wellsfargo is going to make this worse for me? 
This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn.
Consumer complaint received 2015-06-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Moore Law Group (CA)

I received Declaration from The Moore Law Group in XXXX. If I fail to pay the amount of XXXX will enter the judgement. I don't know what's that mean. First of all my XXXX debt was already removed from my credit report because it's a long time credit starts somewhere 2001. Please advised.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I worked for a company called XXXX XXXX XXXX. The owner of the company, which is not me, applied for and received an XXXX payment corporate account that gave the office a credit card swipe machine for taking payments. The owner died and I took charge of closing the business for the surviving spouse. It came to my attention that one of the owners family members was swiping their personal credit card and then transferring the funds to her personal bank account. This family member then began to claim fraud on every credit card she had and XXXX payment issued her a refund. I complained to XXXX and showed them the proof. They did not care who did it and since my name was now on the account since I was the one put in charge to finish up unfinished business and close it 's doors, They claim I am responsible, I did not sign any agreement with them nor did the company use me as a personal guarantor. I submitted a letter to Experian giving them the proof I sent to Experian and asked them to validate this account or to remove it from my credit report. They validated the account and sent me a letter dated XX/XX/2016. Since I know they are in error, I sent them the attached letter on XX/XX/2016 asking for Method of Verification as required by the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) ( 7 ) or to remove this account from my credit report. They have not responded to my letter and they have not removed this account from my credit report.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted transunion because i had a collection that should not have been on there XXXX. XXXX was XXXX and the other XXXX. XXXX had supposedly sold the account to XXXX. I contacted XXXX regarding this hoping to pay for delete as i am trying to fix my credit they told me they couldnt as it was sold to another company. I was able to sign in to my account on XXXX and they are still requesting payment. I have documentation showing my account and request for payment from XXXX. I requested transunion remove due to i have XXXX collections on same account and XXXX still remains. If it was sold my sign in account should be closed no longer requesting payment. Please help me remove this item.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NJ)

I am reaching out for support on an issue I encountered when I attempted to open a new Chase credit card account using the online form ( United Explorer Card ) on XX/XX/23. 
After pressing the submit button I received an error message : " It looks like this isn't working right now. Please try again later. Thanks for your patience. '' ( Image attached ) A few minutes later I filled out and submitted the application again as prompted by the error message the first time. The second time I received a confirmation of a successful application. 
After that, I received two emails in quick succession with approvals for two newly created credit card accounts. 

It appears the first application which gave me an error did, in fact, go through and was accepted despite telling me the opposite. 

I have spoken at length with the phone representatives for account services, lending, and credit - including supervisors. I have had an open case with the Chase XXXX XXXX resolution team for over a month with no progress. Everyone seems to understand the issue but no one has been able to help me with this issue. I have been told that I should not have been approved for two separate accounts for the exact same card but no one can fix it.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent various online and telephone dispute to TransUnion in reference to my XXXX.in which they have placed my mortgage as Negative Adverse Account instead of Good Standing Satisfaction Mortgage Account History.They also have my account as 1 late payment in XXXX. I never ever been or paid late, I even called the creditor XXXX myself and they look back all the way to XXXX and they could n't find anything to confirm the late payment that was placed by the Trans Union .My Mortgage was transfered 3 times.1st my home was bought in as adjustable rate so every year the rate will go up XXXXpoint until the 5 years. Yes I bought my home as a FHA had to look around and had my home was refinance to secure it with a fixed rate. 3rd I had a Loan Modification, which shows XXXX different real estate Mortgage on my credit Report, However TransUnion, because of this inaccuracy my credit mortgage as a adverse account which is consider as a negative account. My Mortgage should be in the good standing, for this reason my credit has been suffering. I 've disputed in XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX also on XXXX/XXXX/XXXX. I 've disputed so many times and nothing has happened or all inaccuracy are still the same.I just want my XXXX XXXX to be taken out of adverse account, that the negativity on my mortgage for being late, when I was never late, current, paying as agreed and on time, be put as it should have in Good Standing Satisfactory Account on my credit report on XXXX XXXX. Please update all inaccuracy and place me where I should have been in satisfactory good standing account in my Credit Report.