davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is still reporting a incorrect balance from a defaulted card loan thru XXXX XXXX. The car was sold in XX/XX/2018. The deficiency letter was never mailed to me from XXXX XXXX. but I have definitive proof via my XXXX XXXX report that the vehicle was sold. I have a partial account number. XXXX. I'm asking that balance be updated the same as XXXX and XXXX have already done. my Ssn is XXXX
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

1. I made student loans during period XX/XX/XXXX-XX/XX/XXXX. After graduation on several occasions I was unable to make payments. Particularly during since mid to late XX/XX/XXXX to this present, I made multiple requests to refinance to XXXX and in the latest years Navient ( took over XXXX ) to obtain lower interest rates available. I was repeatedly ignored through the years and denied the opportunity to refinance and save XXXX of dollars in interest payments. Several times I also asked over the phone and was told I simply " could n't do that '' without any real reason or explanation. 
2. Two months ago Navient decided to change my loan to deferment/forbearance staus WITHOUT my request or consent. After my complaint over the phone and threats of filing a federal complaint, they rescheduled my payments to a lower amount, a whooping 8.25 % interest rate, and now I have payments until XX/XX/XXXX! 
3. In addition, they consider the action described in above item # 2 as a " Consolidation '' and of course they have not applied any of the current interest rates which have been below 3 % for the last 8 years or so. 
4. I request to be included as a plaintiff in CFPB 's current federal lawsuit against XXXX/Navient.
Consumer complaint received 2019-05-25
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: JPMORGAN CHASE & CO. (DC)

On XX/XX/2019 I received a notification from XXXX XXXX that according to my XXXX credit report someone added me as an authorized user to their JPMCB CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with JP Morgan Chase ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with XXXX but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MO)

I would like to begin by thanking you for your time and attention to address my concerns. This letter is to explain my recent financial difficulty with paying my mortgage. It started 2013 when I learned my mortgage was increased from {$700.00} to {$1900.00} which is a significant increase. 
This was done without any notice that an increase was going to occur. This caused late payments associated with late fees to my account. I have to mention that I have not received the kind of assistance with saving my home I deserve. I was n't provide all the information regarding loan modification, debt forgiveness, or short refinance which would have certainly taken my loan from inflated to XXXX more manageable within the fair market value of my home. During the time I considered a short sale your on appraiser listed the value of the property as {$80000.00} when I owe at least {$200000.00}. Being that I currently reside in the home it would make more sense to work a person living there than to have it vacant. It seems that there has been a personal attack against me and discriminatory practices by Caliber against XXXX XXXX citizens. When I was in court going through the chapter XXXX deposition a young XXXX female explained to the court recorder that she was forced to surrender her property which was secured by a loan from your Caliber Home Loans as a condition of her bankruptcy. I 'm also aware that a class action lawsuit was filed against Caliber Home Loans Mortgage which has been and still is associated with my account. 
I am seeking Loan Forgiveness, or a mortgage that is in proper standings with a fair market value of my home. As with many people today, it is difficult to maintain a reasonable standard of economic viability when dealing with predatory lenders. 

As recently as the last two months they have been negligent with responding to inquiries from XXXX XXXX / XXXX ( XXXXXXXXXXXX ). She can be reached at the email provided for verification.
Consumer complaint received 2016-05-19
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CURO Intermediate Holdings (WI)

I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC ID Theft Affidavit ( # XXXX ), XXXX County Sheriffs Incident report ( # XXXX ) and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my report. This has NOT been done. I have made countless calls to the Speedy Cash/XXXX XXXX, and XXXX with no results. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX XXXX. This is the lone problem on any of my reports.
Consumer complaint received 2015-12-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Collections, Inc. (AZ)

I disputed a collection account that is on my credit report. This agency has no authority to collect on this account as they have not proven that ownership of the original account was transferred to them. I have never agreed to nor are there any legal documents that state I am liable to pay Cascade collections. I never entered into an agreement to pay Cascade collections and they have failed to prove that. Therefore I do not owe a debt to Cascade collections. The credit bureau did not review the authenticity of the attestation.
Consumer complaint received 2015-09-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau (TX)

I did not receive corresponding documentation pertaining to what i owe or why I owe. Please provide the EOB date of services, medical bill charges, what was covered, how much money the insurer considers to be reasonable and customary, the amount that went towards your deductible, copay and how much money you might be responsible for. I have NEVER received any phone calls, emails, letters ( certified or regular ). I have XXXX people in the city of XXXX as well as XXXX, Texas with my name. I have continued to receive phone calls pertaining to him. I am not him. I am a XXXX.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. 

Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. 

FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. 

SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. 
I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. 

This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. 

Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. 

My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. 

Thank you
Consumer complaint received 2016-02-04
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (IN)

I had a contract to purchase a home in XXXX 2015. The morning of what would have been closing, I wired nearly {$270000.00} to XXXX XXXX XXXX XXXX. The afternoon of 'closing day, ' my real estate agent and I did a final walk through of the home only to find that the seller had defaulted on the terms of the contract by not having inspection repairs made and habitability standards met. Upon learning of the seller 's contractual default, I cancelled closing that day. I later approached XXXX XXXX XXXX to request my wired funds be returned to me due to our failure to close. XXXX XXXX XXXX XXXX has refused for multiple days to return my wired funds. My real estate agent and I formally gave notice to XXXX XXXX XXXX, XXXX XXXX ( regional manager ), and XXXX XXXX ( escrow coordinator ) that I expected my funds to be wired back to my account within 24 hours. We are well beyond that timeframe and my funds are still being held against my will by XXXX XXXX XXXX XXXX. XXXX XXXX seems to be afraid of losing repeat business from the seller 's Realtor, and therefore refuses to return my monies. My monies are being held against my will by XXXX XXXX XXXX XXXX in hopes that I will succumb to their bullying and close on a home that does not pass inspection so that they can maintain a business relationship and profit from their acts of coercion.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (PA)

I received a pre-approved card offer from PNC Bank in the mail without a way to opt-out anywhere on the mailing. PNC Bank insisted that it was on the mailer, then said that a 3rd party was responsible for the mailer,  then said it must have been a misprint.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I have an outstanding debt in collections I noticed on my XXXX XXXX statement. The company claims that I owed for an apartment when I was never on the lease and the address that they are claiming i owe money to is wrong. The apartment has reached out to me in response and said there is no record of owing anything. This lease is not legitimate because I am not on the lease and the address is wrong and there is no record of me owing debt from the apartment complex.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is charging me an additional 1 % of my balance and adding it to my minimum payment due. This is not listed on my statement. The fees listed did not add up to the break down they show on my statement which prompted me to call call and speak with a rep named XXXX at XXXX ( Eastern Time ) about this and he informed me that is how the minimum balance was calculated. I asked why is this not shown on my statement. He did not have a reply but only that this is how they charge people and they do it to help customers pay down balances faster in addition to the minimum payment required. I stated that this should be at the customer 's consent to do and not automatically done for them on top of not showing this on their bill. This is unjust and unfair. I should have the ability to choose to pay more if I am legally meeting the minimum balance due and that a complete break down of the fees should be shown on my statement.
Consumer complaint received 2018-12-29
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. (MO)

My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) XXXX, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX ( XXXX ) {$130.00}
Consumer complaint received 2016-10-07
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Roycroft Management (CA)

Received phone call early XXXX stating that I court papers have been issued & papers will be served at my employment. Also stated that I will need to be present along with supervisor to sign papers. Has called my work place including mangers and family members several times in the day. Finally spoke with them and stated that they are collecting a debt from a previous loan from XXXX and if not paid, will include a {$6000.00} fine to pay for attorney fees. Phone number is listed at XXXX under name " Central mediation Services ''. Address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When calling, I keep getting the same woman. Have already made XXXX payments in the sum of {$300.00} before realizing it was a scam and have cancelled my debit card.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (OK)

On XX/XX/2016, I paid a collection agency named XXXX XXXX XXXX XXXX or ( XXXX ) on behalf of the doctor office named XXXX XXXX XXXX for the total debt owed of {$170.00}. The confirmation number given to me to verify the debt was paid is XXXX. On the XX/XX/2016 I receive another bill for {$170.00} dollars from a collection agency named Medical Revenue Service on behalf of the same Doctor office named XXXX XXXX XXXX.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MS)

I applied for credit through Ashley Furniture, who unfortunately uses Synchrony Bank, when we purchased a mattress in XXXX. We were financially prepared to start making payments a little higher than required. My wife, XXXX, handled the setup, but despite this, we received a late notice the following month. She contacted Synchrony Bank, paid the outstanding monthly payment bringing us current, and re-enrolled in automatic payments. Yet today, I received another message saying we're behind again even though an email dated XX/XX/year> says I'm enrolled for auto-pay. Our bank account is never in arrears. 

This situation is damaging my credit, adding late fees, and jeopardizing our ability to pay off the balance before the XXXX-percent financing period ends. I suspect this may be intentional, as we've had similar issues with Synchrony Bank in the past. Had we known Ashley used them, we would have avoided financing through this option. I'm extremely frustrated that this continues to happen. 

To make matters worse, when I called for assistance tonight, I was transferred to the wrong department twice and still received no help. 

I do not have exact dates and amounts because they never send a bill. Our amount due now is {$5300.00} My only option was to reach out to you. 
.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account.
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

I HAVE XXXXCHASE CREDIT CARD AND ON XXXX/XXXX/XXXX I NOTICED AN UNAUTHORIZED CHARGE ON MY ACCOUNT FOR XXXX AT THAT TIME I CONTACTED CHASE TO HAVE THE CHARGE REMOVED WHICH THEY DID .THEN I RECEIVE MY STATEMENT FOR XXXX/XXXX/XXXX AND I NOTICE A CREDIT FOR XXXX SO I CONTACT CHASE CUSTOMER SERVICE ON XXXX/XXXX/XXXX AT XXXX AM AND I EXPLAIN THAT I HAVE A CREDIT THAT DOES NOT BELONG TO ME AND I WOULD LIKE IT REMOVED. THE CUSTOMER SERVICE REP TOLD ME THERE WAS NOTHING HE COULD DO AND THAT IT WAS AN ERROR BY XXXX AND THAT I WAS ENTITLED TO KEEP IT SO I SAID TO HIM THAT DOES NOT SOUND RIGHT HE SAID TO ME TO CONSIDER IT AN EARLY XXXX PRESENT FROM XXXX. I SAID TO HIM I AM NOT GOING TO ORDER ANYTHING MORE FROM XXXX SO HE TOLD ME THAT HE WOULD SEND ME A CHECK FOR XXXX ON MY XXXX/XXXX/XXXX STATEMENT I SEE THAT THE CREDIT IS REMOVED. NOW ON MY XXXX/XXXX/XXXX STATEMENT THERE IS A REBILL FOR XXXX SO I CALLED CUSTOMER SERVICE ON XXXX/XXXX/XXXX AND THEY SAID THERE IS NOTHING THEY COULD DO TO HELP ME .I ASKED THEM TO LISTEN TO THE RECORDING OF THE CALL ON XXXX/XXXX/XXXX THEY SAID THEY WOULD GET BACK TO ME AT A LATER DATE THE CHECK HAS ALREADY BEEN SPENT I DO NOT THINK IT IS RIGHT FOR CHASE TO TRY TO COLLECT ON THIS PAYMENT BECAUSE XXXX OF ITS EMPLOYEES TOLD ME I COULD KEEP IT.
Consumer complaint received 2015-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE!
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Previously deleted items were added onto my credit report without prior written notification. Per FRCA section 611 all items must be removed. 

Inquiries : XXXX XXXX XXXX/XXXX/14 XXXX XXXX XXXX/XXXX/14
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (WI)

can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. 
I need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement