davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. XXXX of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX XXXX Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Transunion but they fail to delete these cards stating that XXXX on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my XXXX or XXXX time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX/XXXX/2016 I contacted the credit bureau to request validation of the debt they are reporting on my credit report from XXXX XXXX XXXX. I was unfamiliar with the balance due so I requested statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

This account was paid in full to the original creditor before entering into collections and I requested the account be closed. In the past I have provided Transunion with copies of my bank statements showing payment of the balance due in full at the time of the account closing. I requested statements from the original creditor to show how the balance came about. The creditor has not sent me any documentation displaying how the balance was accumulated.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$130.00}
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (IN)

On XXXX XXXX, XXXXThe Office of the Comptroller of the Currency ( OCC ) today announced an enforcement action against JPMorgan Chase Bank, N.A., XXXX, Ohio, JPMorgan Bank and Trust Company, N.A., XXXX XXXX, California, and Chase Bank USA, N.A., XXXX, Delaware ( collectively, the bank ), for unsafe or unsound practices in connection with the bank 's non-home loan debt collection litigation practices and the bank 's non-home loan compliance with the Servicemembers Civil Relief Act ( SCRA ). The enforcement action requires the bank to provide remediation to affected consumers and to correct deficiencies in the bank 's practices and procedures related to the preparation and notarization of affidavits and other sworn documents used in the bank 's debt collection litigation and its SCRA compliance program. The OCC 's action also directs the bank to improve its debt collection litigation policies, procedures and practices to ensure that affidavits and other sworn documents used in connection with non-home loan debt collection litigation are accurate, based on the personal knowledge of the bank employee signing the documents, or other applicable standard, and are notarized in accordance with all applicable legal requirements. The OCC 's action also directs the bank to conduct a review of all non-home lending debt collection litigation at the bank from XXXX XXXX, XXXX until present, and all non-home lending SCRA accounts at the bank from XXXX XXXX until present, to identify consumers eligible for remediation as a result of the deficiencies and unsafe or unsound practices cited by the OCC. Furthermore JPMORGAN and it 's collectors filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as " robo-signing. '' These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims. The agreement also ensures that Chase will fulfill {$50.00} XXXX in consumer restitution through a separate XXXX consent order reached with the Office of the Comptroller of the Currency. I believe I fall under this criteria being my account was absorbed by JPMORGAN from WAMU during XXXX. And the premium I paid for my card at the time, that had a hardship relief clause for an emergency that if you lost your job. Which was not honored, once the account was taken over. Once it was taken over it was put into collections. And my account was sold and handled by at least three different companies. I know the amount I owed to wamu, was far less than that which I paid in court. By about XXXX dollars. Prior to the lost of my job my account was at XXXX and in good standing.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine 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 Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-28
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

The financial company ( Ditech Financial LLC ) acquired my mortgage, so I am not familiar with the company. They received and processed a payoff on XXXX XXXX, 2016. I have received from Ditech my escrow analysis statement dated XXXX XXXX, 2016 and received on XXXX XXXX, 2016 which shows the overage and escrow amount due me in a refund of {$3200.00}. I have also received a statement of recorded satisfaction or release of mortgage dated XXXX XXXX, 2016. 
I have not received my refund of {$3200.00}. I have made four calls dating from XXXX XXXX, to XXXX XXXX, 2016. Each time I have been given a different response about my refund. 
The first response, the check was mailed to me on XXXX XXXX, 2016, so wait a few days. I waited a few days and placed another call, this time I was told the first response was not correct, the check will be sent out on XXXX XXXX, 2016, thirty days after the payoff, I waited, no check, my third call, XXXX again said I should have received the check sent out on XXXX XXXX, 2016. I waited placed another call to CSR, this time it was back to XXXX XXXX, 2016 when the refund was processed and sent out. 

It has been forty two days ( 42 ) since the payoff and I can not get a straight answer or my refund from Ditech Financial LLC I am seeking your assistance in helping me with this matter. 
..
Consumer complaint received 2023-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I graduated college in 2013. I have been dealing with these fowl people for 10 years now. Initially they told me when I couldnt pay my loans back upon first graduating, that I quote, should eat more peanut butter and jelly. But now, I am trying my hardest to pay what I can, making barely above minimum wage and still raising a child and paying day care and all my other bills. I am enrolled in the rate reduction program with Navient. They make me call every 6 months to re-enroll. Occasionally, it seems THEY mess up and schedule the new date to where I skip a month. But they are the ones creating the dates. So, the calls start. I got 7 calls JUST YESTERDAY, 5 earlier today, and several the day before that. While at work, I am unable to pick up, IN A XXXX  These calls are harassment. When I do answer, I have to sit on hold and go back and forth with rude arrogant men most of the time who when they realize they are wrong, like to be VERY nice. But, they dont need to speak to anyone like that to begin with. They are not only calling me this many times, they are calling my co-signer. So in 3 days, we got almost 30 calls. And this is not the first time. I am SOOO SICK of having to stop making dinner for my daughter, the only 2 hours a day I have with her because Im working my XXXXXXXX XXXX to try and actually pay these people, to argue about my loans that I am indeed paying on. Its insane to me. Im being treated like a criminal. NAVIENT ARE THE CRIMINALS and if I could press charges for the way they treat me as a consumer I would, but I dont have the money to do that, because I am actually paying my bills.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I have several stuent loans through navient, some of my student loans are about 20 years old. Over the past few years I have made several attempts to get into a repayment status I can afford. I was never told about IBR until I researched it online because I could not afford the monthly payment of almost {$800.00} they wanted me to make. Prior to me researching and learning about the IBR I kept putting my accounts in deferrment where they would gain all this intrest. Once I applied for the IBR, Navient would take longer than normal to process the paperwork and still would send out a bill until I called them continusoly to process paperwork. Also my balance is not being reported accurately under my credit report. Also I filed a bankruptcy in 2014 and was advised there was nothing that could be done when later I found out I could have included this in my bankruptcy.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

I paid a collection off in 2019 which was less than {$200.00}. The collection agency was close enough to drive there and pay in person. I paid in person and was told that it will be removed from my credit report in a few weeks. It has yet not been taken off my credit report.
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MS)

They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, has not dealt with our loan modifications in good faith. In the past, they claimed the investor never approved the loan modifications. On XX/XX/XXXX, Bank ofAmerica responded to our complaint, and they claimed I filed for Bankruptcy ( BK ) protection in XX/XX/XXXX. I did not file for BK protection in XX/XX/XXXX. Furthermore, my attorney has researched the federal records & my name does not appear in the federal BK database for this period. In the same letter, they claimed to have granted a loan modification on XX/XX/XXXX, which was not accepted by me. It would have been impossible to accept their offer since we never received their letter with their favorable decision. 
I would have accepted their proposed modification immediately upon delivery. I have invested time and capital to secure a modification, it is not logical to for us to not respond to a favorable offer. At this moment, I request Bank of America to reinstate their offer and mail the notification via certified mail. The foreclosure of our home would have a devastating impact on our extended family. Please treat us fairly and negotiate in good faith.
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (FL)

Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CO)

BMW Finance is reporting an involuntary repossession - charged off account with a balance owing of {$9800.00} on my credit report. I recently spoke to XXXX, a collector, who stated the repossession in question was on XX/XX/XXXX - and first became delinquent in XX/XX/XXXX - more than NINE years ago. I have tried to reach XXXX, XXXX 's supervisor to no avail. I have repeatedly disputed this account, yet BMW continues to report it beyond legal time limits and simply state that I need to start the dispute process " again '' and email a canned letter ( attached ).
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (MN)

Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (RI)

I made my payment on Paypal 's website on the XX/XX/XXXX, which is the due date and due to the way their system works they did not process the payment until the XX/XX/XXXX. They claimed I was late by a mere 15 minutes. I have called to ask them to waive the late fee as I am making only XXXX to XXXX a week right now and they are unwilling to assist even though I actually submitted the payment on time on my side. All I have asked for is a fee waived due to my financial status and they refuse to do so, making my payment more than I can afford and setting me up for failure and a revolving door of fees and bad credit remarks from which I can not currently escape from. This is predatory at best.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.
Consumer complaint received 2015-06-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

I have been receiving letters from Midland Credit Management for a XXXX XXXX Account that is not mine. I have sent XXXX different letters to them stating it 's not mine and they have not stop harassing me. I do n't know what to do anymore.
Consumer complaint received 2016-06-07
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (TN)

I had an issue with a purchase in XXXX and filed a charge back with my bank in XXXX. The transaction was supposed to be refunded however my prepaid card company kept part of that money {$54.00}. The company in question is netspend
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2015 I called into Bank of America to stop a payment on a check that I had written because I did not have the funds in my account to cover the check. The check was created using the Bill Pay system and had not yet arrived to the merchant. The rep I spoke with entered some information and said it was done. 10 days later on XXXX XXXX, 2015 I checked my online bank account and noticed I was overdrawn XXXX because Bank of America decided to not stop the check and then charged me XXXX in overdraft fees. As the time as progress Bank of America is still charging me overdraft fees even though I made a deposit of XXXX to cover my fees. After making a deposit my account was XXXX. The very next day on XXXX XXXX, 2015 I was charged another XXXX because my account was overdrawn XXXX.