davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX 

Also I noticed inaccurate spelling & addresses. 

A total amount of {$23000.00} is reporting that are inaccurate.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I charged for XXXX XXXX despite insufficient funds and Chase accepted the transaction only to gauge me with {$68.00} in overdraft fees. So again Chase has overdrafted me despite my opting out ( this is now like the XXXX and XXXX time ) of overdraft coverage. Now, this time is a little different because it says in the overdraft fee that the XXXX charges were repeating charges, but this ca n't be the end of the story because XXXX checks every card it uses to authorize it when it uses it. It 's simply a slippery way for Chase to make an obscene amount of money off of a broke college student, again ... Of course they always check- that 's how the transaction gets processed. They have to because the charge is variable, just like a XXXX purchase ; it is NOT a uniform repeating charge, and Chase 's advertising is both slippery and false, and difficult to understand for the average consumer in this context. I do n't have the means to pay the extra charges, and the XXXX should 've been denied- I would 've just used my other card ( XXXX ) had I known that! I Needless to say I will be using another bank after this issue gets resolved, or a credit union. 

AND I understand that XXXX charges are variable and that makes the whole thing more complicated, but it turns out I had well UNDER the MINIMUM XXXX charge in my account, and so the transaction should 've been denied.
Consumer complaint received 2022-03-22
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. (MO)

In the beginning of this loan, we contacted XXXX because we were having difficulty paying this loan in XXXX and XXXX of 2021. My husband just switched jobs XX/XX/2021 and I was still looking for one because we relocated. XXXX told me to just pay when we can and we will figure it from there, they did not offer us the COVID relief program that they had in place which I later found out about. We had to switch jobs and relocate due to the lack of work available in our old home due to COVID.
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (NY)

I had gotten sick from XXXX which lead to me being out of work, i missed a payment with this company one time after several other positive encounters and payment history. I wasnt aware of the missed payments because I was sick and incapacitated to the point where I couldnt see for myself and it is being held against me although the account is paid in full.
Consumer complaint received 2016-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (GA)

Account Number # XXXX. 

Dear Original Creditor : I know that you must receive an overwhelming amount of mail so I will try to keep this letter as brief as possible and to the point. During XX/XX/XXXX to XX/XX/2014, I possessed student loans with your company that right now is up to date and subsequently been refinanced through another loan servicer. Unfortunately, I do have late payments that are showing from over two ( 2 ) years ago and I am writing to request if there is a way to have this information revised. 

At the time of these late payments I was unemployed and struggling to find gainful employment to make ends meet for my family. Furthermore, the student loans with your company had been in unemployment deferment however due to my own negligence I did not management the process of keeping up with when the deferment ended XX/XX/2014. I take complete ownership for the 120 days that the loans were late and have worked hard not to allow any of my loans to be late again. While these past events of being unemployed does not constitute payments being made to the applicable NELNET loans, this event did result in me falling behind in my bills. 

I am currently working on rebuilding my credit and in doing so have learned just how essential organizational and financial management principles are. I am in a considerably better situation today and take full responsibility for my actions long ago. I am asking for a measure of goodwill to delete the negatives off my credit report with all XXXX bureaus. I understand that you are under no legal obligation to respond to my letter, but this act of goodwill would not only help my credit repair tremendously but also afford me great opportunities in the near hopeful future. 

With this gesture of goodwill NELNET will forever have my gratitude. I thank you for your consideration in reviewing this matter and taking the time to read this letter. 

Respectfully, XXXX XXXX
Consumer complaint received 2015-08-04
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: JPMORGAN CHASE & CO. (PA)

A Chase private student loan cosigned for my son was paid in full XXXX of 2014. 
There was a letter from Chase for the XXXX and XXXX payment saying they could not process the payment, because they could not find my bank account number which was recorded improperly. They received payment for these months when I received notification of the problem. As I stated the loan is now closed and paid in full. Chase, however, has my credit report showing me 60 days delinquent with the XXXX and XXXX payment. This has adversely effect my credit and I have not been able to refinance my and another student loan that was cosigned for my son.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (AZ)

I received mortgage assistance from the State of Arizona through the Hardest Hit Fund program. As a result of this assistance my mortgage was brought current. However, through errors in application of the assistance payment by the servicer at the time XXXX XXXX XXXX XXXX the loan does not reflect as being current. I attempted to resolve this with XXXX XXXX but the loan was transferred to XXXX XXXX company and now it has been transferred to Shellpoint Mortgage Servicing. Yet after to CFPB complaints and a lot of time and effort this is still unresolved. Mortgage still shows as past due when it should be current.
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

For some unknown reason, Toyota Financial services canceled my online payment account. They were never able to explain why, but admitted it was their fault. I had been making online payments for years, but suddenly, I could n't, and was told that I could not reopen the account. This was in XX/XX/2016. One agent told me I could pay over the phone, using XXXX XXXX. I did. The same happened for XX/XX/XXXX : I paid over the phone. In XX/XX/XXXX, I took the time to try to get to the bottom of the problem because it was inconvenient. I was told I had XXXX accounts. I spoke to many representatives, often being on hold for long periods of time, only to be disconnected and have to tell this rather involved account all over. 
I found out that the payments I made over the phone had disappeared, and no one could tell me what happened. They informed me that I would have to go to my bank and get a merchant report to show that the money was indeed taken out, something my credit union never heard of. I spent countless hours on the phone and running around. I was told that because it was their fault, it had not been reported to a credit agency. I found out yesterday that it had. Even though they finally sent letters saying it was resolved, it has not been. Just yesterday, I was told that my account was past due again. It was n't and had not been. 
I was harassed on my job and tried to clear it up, but soon after that lengthy call, another representative called me at work to tell me my car was about to be repossessed. Each time that a representative could see from the account that I was indeed telling the truth, I was told that it had not been reported to a credit agency, but that was a lie. I have all of my receipts that demonstrate when the payments were made.
Consumer complaint received 2016-10-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

We have our mortgage and checking account with Chase. On XXXX XXXX, 2016, we mailed a mortgage payment to Chase bank, along with a Chase provided payment coupon with our mortgage information pre-printed on it. On Friday, XXXX XXXX, we realized that the check had not cleared. We called Chase to make a mortgage payment over the phone so that our mortgage payment would not be late, and to put a stop payment on the original check. We did not feel that we should have to pay the stop payment fee since Chase had not cashed our check in a timely fashion. After initially making the excuse that the US Postal service could have lost our check, the customer service rep agreed to waive the stop payment fee. After verifying twice that the transaction was complete, we ended the call. On Sunday, XXXX XXXX, we realized that we only had {$49.00} in our bank account. Both the check that we mailed and the phone payment had gone through. We called the bank. After approximately 45 minutes on the phone, we managed to kind of straighten out the situation. We were told that it could take up to 12 hours for our money to credit back to our account. We had to further argue that since we had planned to do our weekly grocery shopping that day ( Sunday ) and fill pharmacy prescriptions, that we did not want to be responsible for any overdraft fees. We were also told during the conversation on XX/XX/XXXX that the stop payment fee had been waived on XX/XX/XXXX, but the bank never actually stopped payment on the check, which makes no sense but does prove that Chase was negligent in it 's fiduciary duty, since our money was not available to us. It is apparent that the bank both had our check and failed to cash it in a timely manner. We acted responsibly to make sure our mortgage was paid on time, only to have our bank account nearly drained, and then had to fight to not pay any fees when Chase was clearly at fault. This scenario was n't just inconvenient, but just another example of Chase bank 's bullying and extortion of the American people. We were previously dual tracked when attempting to modify our loan with Chase and were only able to keep our home because we filed for personal bankruptcy, which was both demoralizing and embarrassing. We continue to be victimized and pushed around.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NJ)

My loan is serviced by Nelnet. ( Account # XXXX ). 
For my loan repayment, Nelnet is abusing the ACH transfer by not crediting my loan timely. On an average it takes 4 to 5 days to credit my loan. My funds are debited from my source account the same day when I initiated my ACH transfer. But my loan balance were not reduced till 4 to 5 days. While I was paying interest for the loan balance, Nelnet was enjoying the float fund for 4 to 5 days. This is not fair practice to the consumer. 

Also the interest rate on the loan is 5.96 %. I am using my HELOC loan to pay off Nelnet Student loan because the HELOC interest rate is 3.25 % which is less than Nelnet Student Loan. This delay tactics by Nelnet makes me to pay double interest for 4 to 5 days. 

I would appreciate your help to intervene in this matter. 
Thanks XXXX
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

In XXXX my husband and I purchased a mobile home and green tree is our financor. Our payments were prigamally XXXX a month. They have now I creased to XXXX. A month. Our home was only for XXXX XXXX. We ha e been paying for 15 years. Something is n't right. We are getting threats to vacate our home. Calls 7 times a day. It has effected my job, and my health. Something about this does n't seem right this home should have been paid off in XXXX. Please help!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

XXXX was transferred to SLS. XXXX stated that I was behind approximately 2 payments. During the transition I made XXXX payments 1 for {$700.00} and the other for {$1000.00}. I was told by XXXX that I had a suspense account in the amount of {$580.00}. I applied {$100.00} to my XX/XX/XXXX payment and paid the difference for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with several representative at SLS who stated that they would review the breakdown of my account. It was stated that they have most of the payment, however, approx. {$200.00} was needed for XX/XX/XXXX. SLS stated that they could not go back due to just receiving the account. SLS manager stated that they will reivew information regarding payments. Someone in charge in the sesearch department would contact the me. It was stated that the {$1000.00} was not found. I have receipts of the XXXX XXXX payment that was received by XXXX and confirmed through XXXX XXXX. I have caught up on all of my mortgage payments. I need to know which mortgage company has the amount that I have sent via XXXX XXXX and resolve this issue. I am receiving calls from SLS asking for the amount that I have already paid out to them. I am frustrated and stressed.
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc. (WA)

Have had several phones calls for a XXXX XXXX. This is totally not her phone number, never has been, nor does she live here. Why am I receiving her calls? I 've asked XXXX now to please not call this number again. It is the wrong number. Both times I was told this number would be removed, but no luck so far. Offending number this time was XXXX. Internet says it 's a debt collection agency.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coast to Coast Financial Solutions, Inc. (MN)

This company reported debt that belonged to a woman named XXXX XXXX in XXXX to my credit report for collections. It resulted in me being denied credit. Since I have lived in XXXX for almost 10 years and my credit report reflects that, they had to have known when they placed the debt on my credit report that it was not mine. Therefore, they are making illegal attempts to collect a debt that is not mine. Worse than that, they are XXXX of XXXX companies that is doing this to me.
Consumer complaint received 2016-08-02
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (CA)

I CONTACTED DIRECT EXPRESS ON XXXX XXXX, WHEN MY CARD WAS DECLINED. I WAS TOLD BY DIRECT EXPRESS THAT ON XXXX XXXX, DIRECT EXPRESS TRANSFERED FUNDS FROM MY ACCOUNT TO ANOTHER ACCOUNT WITHOUT MY KNOWLEDGE AUTHORIZATION OR CONSENT, MY CARD IS STILL IN MY POSSESSION BUT OTHER DETAILS WERENT GIVEN TO ME. DIRECT EXPRESS CANCELED MY CARD IMMEDIATELY AND TOLD ME I WOULD RECEIVE PAPERWORK IN 3 DAYS WHICH I HAD TO COMPLETE AND RETURN TO THEM WITHIN 10 BUSINESS DAYS FROM THE DATE WHICH I CALLED THEM, I RETURNED THE PAPERWORK VIA PRIORTY MAIL EXPRESS THROUGH THE USPS, SCHEDULED DELIVERY DATE WAS XXXX/XXXX/2016, DIRECT EXPRESS CLAIMS THEY NEVER RECEIVED MY PAPERWORK. I TRACKED THE PAPERWORK THAT I MAILED AND THE TRACKING STATES THAT IT WAS DELIVERED ON TIME TO DIRECT EXPRESS. THEY NO LONGER ARE ACCEPTING MY ATTEMPTS TO CALL THEM. WHEN I CALL I GET DISCONNECTED WHEN PROMPTED TO HOLD FOR A REPRESENTIVE OR IM TOLD DUE TO HIGH VOLUME OF CALLS, PLEASE CALL BACK LATER,
Consumer complaint received 2016-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage was sold to Specialized Loan Servicing LLC without my knowing. I had a bi-weekly payment schedule paying half the monthly mortgage every 2 weeks. The previous mortgage servicer had no issue with this. Once SLS bought my mortgage, without my knowing, they started charging me late fees. When I figured out what was happening, I contacted them and the CSR said that SLS does not accept partial payments at all. I even offered to make a couple of payments early so I would never be behind. The CSR stated that was not allowed. How can SLS purchase my mortgage without my knowing and then change and restrict my payment options? In looking into SLS, it seems that many people have had issue with them, and filed many complaints. Please look into this shady company.
Consumer complaint received 2016-08-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (FL)

Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.