davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

Dear Sirs, Please help me! I 'm XXXX-year old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys. I tried working with Chase and when I wanted to send payments to them, they would not accept them and would n't talk to me or my son. I could n't find an attorney who would go up against JP Morgan Chase so I went by myself to the Court in XXXX County, XXXX, and did the best I knew how to fight against the attorney there representing JP Morgan Chase. Of course I lost. There 's a silent relationship between Judges and attorneys. I have been fighting for 2 and a half years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it. Please come to XXXX XXXX, VA which is only an hour and 15 minutes from XXXX and see why I 'm so devastated about having to leave my home of 37 years and have to move in with a stranger somewhere. It 's just a 130-year old house needing lots of repairs sitting on the XXXX XXXX. It 's incredible sunrises and breath-taking moons hanging over the river. It 's awesome! Nobody wants to hear about the emotions and memories connected to our homes. Come stay for a couple of days in my home and you will see why I 'm so passionate about not wanting to leave. It 's XXXX running investment companies in XXXX XXXX who now own my home. Why did the government give XXXX dollars to the mortgage-banking businesses, like JP Morgan Chase, XXXX XXXX XXXX, XXXX, etc. to help individuals like myself out of the XX/XX/XXXX crash, only to give top executives XXXX dollars as bonuses? We the middle class have no rights or they try to tell us we do n't. Why has this huge fraudulent crime been allowed by our President and government? Our foreclosed homes are being dumped into thousands of hedge funds only to be sold over and over and allowing lenders to write-off XXXX dollars again and again as a new investment firm buys the whole package of thousands of homes as quickly as every other month. All I wanted to do was run my little business of renting out my home, in the XXXX and XXXX, to busy, stressed out guests who will discover the peace and tranquility of this little town of XXXX XXXX, XXXX. At XXXX, I had a business and place to live until I die. Will you help me go up against JP Morgan Chase? The court says I have to get out by XXXX XXXX, XXXX. At this point, I just want to rent my home. Please help me do that. Thank you so much for listening to my complaint. XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (CA)

I took out a loan with rise credit in the amount of {$2600.00}. I had made a payment in XXXX and was planning on making my payment when I had another paycheck coming in. After only 60 days Rise Credit underhandedly charged off my account and sold it to a debt collector. I tried calling them and emailing them to set up payments. They refused to take a payment under a non-charged off status. This company illegally and underhandedly sold my debt and collected a profit from selling this to another company by a difference of {$1000.00}. They are doing this to everyone and it needs to stop, profiteering of America and making our debt structure unstable. This has now put a mark on my credit for SEVEN YEARS. They should not be allowed to do business. Their dispute department will not resolve anything and they seem to just want to do things there own way. That is not legal or ethical and I am very upset about this whole thing. I took this loan out and planned on paying it back this year. Now I have to deal with a charge off for SEVEN YEARS and a debt collector calling me. Why should RISE credit be in business and allowed to manipulate people in such a faction? I want answers. 

Thank You
Consumer complaint received 2016-04-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blueshore Recovery (TX)

Blueshore Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX was notified on XXXX XXXX XXXX to cease and desist contacting family and third parties regarding this debt They have all current contact information on myself. Phone, address etc. XXXX XXXX XXXX XXXX they contacted my husbands ex wife, asking for my step son in regards to this debt ... .. I spoke with supervisor XXXX XXXX on the XXXX after they had harassed my sister at work! 

XXXX issue. This debt was paid off in XXXX of XXXX to the cash store XXXX. I do not owe this debt!
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blueshore Recovery (PA)

I was told I had to pay over the phone and sign an email statement. They would not send me paper mail and they do n't take paper payments. This is a copy of " visual voicemail '' threaten to contact my employer ; '' Good afternoon XXXX XXXX this is XXXX XXXX over here would XXXX how you did speak with XXXX of my representatives back on XXXX XXXX regarding your case in your account here in the office you supposed to contact them back to stop my client from proceeding forward for further action but we have yet to hear back from you at the present time they sent your account down to my department if I do fail to hear from you I will assume that you are forfeiting your legal right to resolve this matter on a voluntary basis and at that point in time or notify my client they can proceed to move forward. First I fax it over employment verification to your employers office once employment is verified the client will proceed forward to the next level. The number you would need to contact if this if this is something you would like to still resolve. ''
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that midland funding did not report this to you but a data Minor did there is a not a court in the country that verifies the stats of a Judgment. I called the Circuit court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka A data Minor the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (NH)

We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

The IRS filed a lien on our credit on XXXX XXXX, 2014. The lien was subsequently withdrawn XXXX XXXX, 2014. The Credit Bureaus did not report the with drawl and has caused our once good rating to suffer for over two years. How can the credit agencies be so quick to pick up the negative reports, but fail to report a positive. Also we see that the credit bureaus reported bankruptcy verbiage on our report. We have never filed bankcruptcy. I request these XXXX issues be corrected immediately,
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I first contacted Equifax XX/XX/2016 disputing inquires that I did not authorize. As of this date I have yet to have Equifax honor my request. I advised Equifax to please provide me a copy of the documents that were used during there investigation process so that I can verify its validity. Equuifax is knowingly and willingly using delay tactics to assiste me regarding this matter, Furthermore, Equifax if in violation of the FCRA. Equifax actions have negatively impacted my credit worthiness and credit score causing me great distress.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien. 

Equifax states that they have investigated the information and found the information to be accurate, which they would find it is not if they verified the information through the Ohio Attorney General ( lienholder ). 

What method of verification is Equifax using? Are they using an automated system or actually calling the Ohio Attorney General to verify the information that I 've previously stated? A tax lien is a big deal and it 's inappropriate for due diligence not to be acknowledged for the sake of saving time. 

My complaint was not whether or not the lien could be verified. The complaint was that the agency has not abided by the lien holder 's request to remove the lien from my credit report, as XXXX and XXXX has already done. 

The agency is using simply using a program to scan for information as to calling the Ohio Attorney General 's office directly and verifying that they have, in fact, requested that the lien be removed from all credit reports -- again to which all have complied except Equifax. 

The Ohio Attorney General can be reached at ( XXXX ) XXXX to verify that the lien should be removed. Please do the due diligence required in this matter.
Consumer complaint received 2016-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MA)

This company : -Does not provide customer contact information -Does not send notifications -Does not notify specifically when your repayment status changes ( e.g., when deferment ends ) If you are late in making payments for the above reasons, the company : - Continues reporting your account as past due EVEN AS YOU MAKE PAYMENTS on time - Continues marking your account as delinquent so that you can never get ahead - Does not provide documentation of past payments - Does not offer payment plans to take care of past due amounts I would also like to emphasize that reaching them is nearly impossible, so you are effectively sending money into a black hole with little verification.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. Experian XXXX and XXXX are the violating companies.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I originally disputed with Experian on XXXX/XXXX/15, I received a response dated XXXX/XXXX/15 stating that my dispute was " suspicious '' and was not sent by me. I 'm not sure how they verified this information when I even included my drive'r 's license, a current utility bill, my signature, social security number on the letter. What more do they need from me? You will see all of this in the documents that I am attaching with my complaint.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have a hard inquiry reported on my Transunion credit report from XXXX XXXX XXXX XXXX. My children have savings accounts with this institution but I have no dealing or accounts with this bank.I have not, at any point, authorized any credit inquiry on my behalf from this institution.
Consumer complaint received 2016-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

A company calling themselves 'National Credit Adjusters ' has made seven calls ( and counting ) in one day to me, XX/XX/2016 all from my local area code of XXXX. This is spoofing, which I know is against the law and though they are not leaving a message only one number rang back to them which was listed as XXXX.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, NY XXXX : XXXX XXXX of SS # ( XXXX ) Drivers License : New York # XXXX : Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Whom It Concerns at XXXX XXXX XXXX : I have noticed that you have placed an inquiry on my Experian credit file dated XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Experian file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within XXXX ( XXXX ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

how long does a late payment history remain on a credit? ... i have a acct on all my credit reports from all XXXX credit reporting agencies since 2003 ... NO ONE CAN TELL ME WHEN THE ACCT IS GOING TO BE REMOVED ... I THOUGHT A NEGATIVE ACCT. REAMINS ON YOUR CREDIT FROM THE DATE OF THE FIRST DELINQUENCY ... BUT EXPERIAN INFORMED ME ITS THE LAST DELINQUENCY ... PLEASE HELP THIS NEG. INFO IS RUINING MY CREDIT.I HAVE DISPUTED THE ACCT WITH ALL XXXX CREDIT REPORTING AGENCIES, AND MY CREDIT REPORT HAS REMAINED THE SAME WITH EVERY DISPUTE.THE ACCT IN QUESTION IS A STUDENT LOAN ACCT FROM XXXX.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian update a fraud alert on my credit report but did not send me an updated report as promised. 

We have received a letter from Experian today concerning a " FRAUD ALERT '' placed on my credit report by a financial institution. The letter does not include an updated credit report as promise by your customer service person. I would like an updated credit report as promised.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was unemployed for three months and asked for a payment reduction so I would not fall behind. The XXXX XXXX/Navient Rep said they would not help me even a little with any sort of reduction in payment. They ENCOURAGED me to file Bankruptcy so I could get rid of my other debt in order to be able to make my full payments to them ( since they know their loan is not dischargeable ). This is a " XXXX '' loan, but apparently not able to be consolidated because it is " XXXX ''. They also made me pay {$150.00} for each XXXX XXXX loan I have with them ( {$450.00} every six months to defer the payments when I XXXX got out of XXXX in 2006 and could not find a job ). All of my other loan companies deferred without payment. My other loans were all able to be consolidated as well. After encouraging me to file bankruptcy, they have called me around XXXX times per day ( even after I would talk to them ), called my mother and father and sister and have been asking everyone where my new job is. It is unbelievable they are allowed to treat people this way- and now they want to harass me at my new job?!? So I can get embarrassed and XXXX after looking for this job for over a XXXX and a XXXX?!? No other loan company does this and everyone else worked with me for the few months I was out of work. I went from perfect credit and XXXX missed payments to the worst credit ever in three months. They made me want to XXXX myself because of the way they treat me- purposely calling me all day so I can not talk on my phone and encouraging me to ruin myself financially so they can get paid more quickly. Going to graduate school with XXXX XXXX loans is the biggest regret of my life. They are called " student loans '' and they reap all the benefits of not being XXXX, but they will not allow me to consolidate them or defer or forebear them?!? All of my other loans are consolidated and the companies do not harass me like Navient/XXXX XXXX.
Consumer complaint received 2016-06-14
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XXXX XXXX, 2016 I leased an Infiniti XXXX from XXXX XXXX, California. My monthly payments are {$370.00} which I have been paying on time to Infiniti Financial services. On XXXX XXXX I received a letter from Financial services stating that I was delinquent in one payment. Upon reviewing my records I found out that I HAD NOT RECEIVED the XXXX invoice, instead I had received a recall notice from Infiniti stating that there were some issues with the passenger airbag which could increase the risk of injury to the passanger.I DID NOT RECIVED THE INVOICE. However Infiniti Financial charged me two months " or else, My account would be deemed delinquent.On XXXX/XXXX/16 I sent the requested payments in the tyiotal amou nt of {$740.00}, check # XXXX. On Sunday XXXX XXXX, I received a couple of phone calls from Infiniti Financial collections agency. A gentleman who identified himself as XXXX XXXX, stated that " this is a call from a collection agency attempting to collect a delinquent debt ''. I explained to him that XXXX was a Sunday and very early in the morning. I also explained him that I had already made the payment and that I rejected these tactics from Infiniti. He went on demanding me to provide him with other telephone numbers I may have and confirming my address. I told him that these tactics are illegal and that I would lodge a complaint. That was the end of our conversation
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have carefully reviewed my credit report in XXXX, XXXX and TransUnion credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX