davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

My problem is unusual. I previously had, but no longer, rewards program credit cards with Chase Bank. They have now evidently blackballed me from qualifying for their credit cards that offer good perks ( e.g., Chase Sapphire Preferred Card and Chase United MileagePlus Club ) - perhaps because I have no outstanding debt, therefore, not someone they can make much money off of, while meanwhile enjoying the perks at their expense ( i.e., not the sort of person their marketing is aimed at ). The stated reason repeatedly given is that the credit bureaus indicate I have too many recent applications, but lengthy time does not change the situation and there is no way to find out when I'll be clear again. I believe that this is a disingenuous practice. I've tried discussing this over the phone with Chase representatives, to no avail. It is also impossible to reach a person at the credit bureaus to discuss the details of one 's credit file, which is also not right. How can I learn where I stand? As you well know, credit ratings have a huge impact on peoples ' economic circumstances, and proper access should be required of those companies.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I'm in the middle of refinancing the Mortgage. The new lender looked up the title on the home and said that there's a property tax payment due in the next few weeks on the Title and they want to see a proof of payment.

The current mortgage company ( Nationstar Mortgage LLC, d/b/a Mr. Cooper ) claims that they can not make an early payment and they plan on making the tax payment two weeks prior to the due date, which could fall under the 30-day rate lock period.

I've requested them to at least confirm in writing that they can't make an early payment but they refused to do so over the phone and asked me to send an email to their Research team. But I have limited time before which the rate lock expires and they are refusing to issue me a quick letter confirming their policy.
Consumer complaint received 2021-11-27
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. (FL)

I have submitted 4 separate disputes with TransUnion and 5 Disputes with XXXX regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.A.. XXXX XXXX XXXX agency has had 17 different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are TransUnion and XXXX doing so? XXXX took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXXwo times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - 3 letters, XXXX - 5 letters, TransUnion - 4 Letters XXXX - 5 Letters
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

Received a tax bill from XXXX County in the amount of {$300.00} due by XX/XX/XXXX. Spoke to mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX and asked if I should pay the bill. Representative told me PNC Bank would pay the bill because they received it. Spoke with mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX. PNC Bank DID NOT pay the bill. Spoke with XXXX County Tax Commissioner 's office on XX/XX/XXXX and there was a {$12.00} penalty fee attached to the account. Received second tax bill for the city in the amount of {$54.00} which has to be paid.
Consumer complaint received 2023-02-25
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that they items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (ID)

I believe that I have been financially damaged due to a Predatory Mortgage loan. In XXXX of XXXX I was sent to Guild Mortgage by my realtor. Guild Mortgage pre-qualified me for {$200000.00} to purchase a home. On XX/XX/XXXX I purchased a home for $ XXXX@ XXXX % interest. My income at the time was $ XXXX. I also provided them documentation regarding my auto loan payment & other debts. This is my first home purchase. I have very little debt related experience and trusted my realtor and Guild Mortgage. 
My current income is now is $ XXXX and I still can not afford to make full payments. They have told me they will foreclose on my loan XX/XX/XXXX if I do not pay {$2200.00}. I am selling everything I have including the lawnmower in order to prevent it. 
Guild Mortgage has been aggressive and misleading to me regarding the status of the loan and what possible options available to me throughout this ordeal.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (TX)

I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights XXXX XXXX XXXX XXXX ... ... ... XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (SC)

On Wednesday, XX/XX/2019, at approximately XXXX XXXX EST, my brother XXXX XXXX called customer service to make a payment toward my XXXX Mastercard credit card account, I requested he only make the minimum payment of {$27.00}. XXXX spoke with a customer service representative by the name of XXXX, unfortunately XXXX not only confirmed the minimum payment due amount of {$2.00}, she also chose to provide my brother whom IS NOT an authorized user on my card with ; my total account balance and confirmed that my account is an interest baring account. None of this information should have been given to my brother, ONLY a proactive payment should have been accepted by this representative.
Consumer complaint received 2021-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I have a collection on my credit report from LVNV funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from Resurgent Capital saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called XXXX and XXXX, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either LVNV or XXXX and XXXX. Ever. I have never done business with them not have done any business with Resurgent Capital. I just see LVNV on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.
Consumer complaint received 2017-10-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kirschenbaum & Phillips P.C (NY)

debt collector sent me and my friend a letter about a lawsuit against use for XXXX dollars but the thing is we never got served papers.i called XXXX XXXX clerks office an there was a lawsuit filed in XXXX/XXXX/XXXX but they say they served use on XXXX friend says he never got anything from them but a letter in the mail a month ago.for me they said they served me but i was n't living at the address they said they served me at for almost 2 years.in the letter it says to file an answer to the court i just got a letter on XXXX/XXXX/XXXX, why do they keep asking me to file an answer after 5 months if they know that there in the wrong. i did n't have a chance to file a answer or dispute it, they are known to pull this kind of illegal tactic before on other people.
Consumer complaint received 2017-10-02
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. (SC)

Equifax has continuously been deleting inquiries off of my report and reinserting them without legally notifying me and there are several inquiries on my report that i have disputed and requested to be removed due to identity theft. They refuse to remove them even after a fraud alert has been placed on my account these inquires are causing me constant denials in obtaining any type of credit because there are over 60 of them. I have disputed them on several occasions only to have the results back within 24 hrs stating that they are accurate. How are these " investigations '' being done so fast?? I would like the inquiries removed ASAP or investigated the PROPER way. they are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 auto finance XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX/XXXX/XXXX Via Section 611 of the FCRA I am to be notified within 5 days of any changes to my credit report . They have REPEATEDLY refused to remove these from my credit. PLEASE REMOVE ASAP.
Consumer complaint received 2017-10-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My monthly payment is set up on auto pay, in addition to that payment I 've been making principal payments to the loan and requesting that the due date not be advanced. However, the due date was advanced anyway and is currently XXXX 2018. I have contacted Nelnet twice in regards to this, the first and second week of  XX/XX/XXXX and have not received a response back. This is not the first time this has happened to my account, the mistake to the payment application or Nelnet 's  complete lack of response to my inquiries.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.
Consumer complaint received 2017-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My husband and I requested a credit investigation in late XX/XX/XXXX. Equifax and XXXX XXXX have not responded yet, despite follow-up attempts.
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Russell Collection Agency, Inc (KY)

on my credit report RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX I was n't in XXXX mi. only in XX/XX/XXXX untill XX/XX/XXXX and i never had XXXX work done an never when to that place. there was a XXXX man name XXXX XXXX XXXX they stolen all my stuff birth cer. my daughters birth cer. my medical records on my health problems and more and there is changers on my credit report i did do from XX/XX/XXXX till now and i do n't know them people using my sscard or my identie but i am for sure XXXX XXXX are doing it
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I closed on my mortgage in XXXX 2016. It was a new building construction. At the time the closing they only escrowed my taxes based on the property value without the building. So my taxes were around {$63.00} based on the land only. They came back to me in XX/XX/XXXX and are now collecting back taxes. My monthly payment has now gone up by {$600.00} which I can no longer afford. The relator and title company never explained this to me. The condo building is only at 10 % capacity.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2021-11-27
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: Eastern Account Systems of Connecticut, Inc. (CT)

I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so
Consumer complaint received 2021-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

The agent from Chase purposedly providing falsified information, misleading the customer and engaging in unethical business behavior. Per our phone conversation on XX/XX/2021, the agent informed me the interest rate and XXXX are the same or 2.0 %. This is very rare and I double checked with him. He confirmed more than once over the phone that the XXXX is 2.0 %. The Closing Disclosure shows the XXXX is 2.192 %
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I recently received an alert from XXXX that Diversified Consultants, located at XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX ( XXXX ) XXXX, placed a collections on my credit report. The collections is from XXXX for XXXX dollars. I have spoken with XXXX representatives with XXXX and am told I have a zero ( XXXX ) balance. I have tried multiple times to contact Diversified Consultants to no avail. My XXXX XXXX had dropped due to this erroneous information and am seeking legal action against Diversified Consultants and XXXX for allowing this to be put on my credit with no just bases or regard for my personal welfare and credit worthiness. 

XXXX XXXX, GA
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WY)

I have been making payments on my federal student loans since XXXX XXXX. Navient continues to utilize my payments towards interest more than principal even though every month I make more than the minimum payments. After contacting Navient several times, the only answer I can seem to get out of everyone is that they do not know how much will be applied toward interest or principal until after I make the payment and they can see it under my account history. After telling me to look on my monthly statements how much is actually going to each part of my loan, I then go back to my monthly statements and that information is nowhere to be found. I ask Navient to help me find this information on my statements and all their representative can tell me is that she said it 'may ' be located there but that does n't mean it has to be. I have also asked several times for some type of spreadsheet or printout so that I can see ahead of time exactly how much of my payments are being allocated toward principal v. interest and have repeatedly get told I can make one myself but they do not provide that. 

Most recent call was XXXX.
Consumer complaint received 2021-11-27
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)

My name is XXXX XXXX XXXX and I recently Apply for a business credit for my start up company XXXX XXXX through an online application with XXXX. I did not give XXXX permission to run my personal credit If in fact they did run my personal credit it was done without my consent. My company is a limited liability corporation in which I am 100 % stakeholder in and I do not sign personal guarantees on behalf of the company. This hard inquiry that was place on my Equifax credit report should be removed because I did not authorize them to run my personal credit. 

Thank you for your time
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Control Technology, Inc. (LA)

On XX/XX/XXXX, this account was reported to the credit agencies and added to my credit report as a collections account by Account Control Technology for a debt, in the amount of XXXX. On XX/XX/XXXX, I spoke with representative, XXXX of Account Control Technology. I advised XXXX that this debt was reported to the credit agencies in error and was discharged in bankruptcy in XX/XX/XXXX. There was no agreement from Account Control Technology to remove the inaccurate information from my credit report.