davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

My Home equity Loan at Wells Fargo has gone from {$85.00} to {$160.00} per month. I Iost my retirement savings in the XXXX  crash ( over XXXX XXXX dollars ) and got stuck with a XXXX XXXX XXXX for {$25000.00}. I became XXXX soon after only been able to pay the interest for many years. I almost died from XXXX have been sick for XXXX  years. I have tried to refinance with Wells fargo but they can't really help me. Thanks, XXXX
Consumer complaint received 2023-01-18
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. (TX)

I want to be removed from Equifax high risk status from my credit report I longer need be transferred to fraud department or office of the the consumer affairs. 

They are not assisting me with my disputes and be rude to me and unable to transfer me to American customer service.. 

And disconnected my phone calls numerous of times
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (FL)

I constantly continue to request that all accounts and inquiries on my consumer report is incorrect and the result of identity theft but each time I submit a dispute they send me a letter literally the NEXT day saying they " verified '' it when I said the account was NEVER mine. I keep submitting the same dispute saying the same thing and they keep leaving it on there. I just want it all removed from the consumer reports. I am tired of being inconvenienced by other banks and being unable to open my own account because of someone else using my information to open fraudulent accounts and apply for things in my name.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

I requested PMI removal from Specialized Loan Servicing on the XXXX of XXXX. SPECIALIZED LOAN SERVICING LLC received and verified the paperwork XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no success in getting PMI removed.

After filing a complaint with CFPB, PMI was then finally cancelled. In the communication with SLS, provided below, it stated that I would be refunded any excess PMI payments after the request date. I never received any credits or refunds for the excess PMI payments. 

From SLS : On XX/XX/2022 we received such authorization, and on XX/XX/2022 we sent a letter advising that we had received sufficient information to review the account for PMI removal. As noted in the XX/XX/2022 letter, after further review of the account we have canceled the PMI coverage for the loan. As noted in the enclosed XX/XX/2022 letter, any overpayment of PMI has been or will be issued directly to you. We regret any inconvenience you may have experienced.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Fact, I, XXXX XXXX, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 XXXX XXXX XXXX is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his right as the debtor in this consumer credit contract against XXXX XXXX XXXX for unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Fact, I, the affiant, have reason to believe, XXXX XXXX XXXX which is a private for XXXX XXXX, regardless of XXXX XXXX, has participated in racketeering activity as defined in Title 18 U.S.C. 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends was an invoice for services provided by the utilities companies, which is embezzlement, theft by deception and extortion. Fact, I the affiant, have reason to believe and do so believe, XXXX XXXX XXXX is in violation of 18 U.S.C. 1341 by knowingly participating in the fraud through the XXXX Mail.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Bayview Loan Servicing is incorrectly reporting late payments on a loan that never existed. The line item on my credit report appears to be a duplicate of a XXXX XXXX XXXX XXXX. They have reported late payments of greater than 120 days as recently as XX/XX/XXXX. These incorrect late payment reports are preventing me from qualifying for a mortgage. I have no other negative items on my credit report. 

I have asked Bayview to review the account in writing and via multiple phone calls. They leave the erroneous information on my report, and typically add an additional late payment to my report for whatever the current month is when I file the request for them to investigate or a request/dispute with the bureaus. 

Months of incorrect late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Also of note - on my credit report it shows " account closing date '' of XXXX. Last activity date of XXXX.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (VA)

I made two purchases in XX/XX/2017 that fell under a promotion that Navy Federal Credit Union was running that advertised 0.0 % APR for 6 months on purchases of $ XXXX and 12 months on purchases over {$1000.00}. Since that time, I have made payments on the account that covered the purchases made that period with no balance forwarded other than the promotional purchases, otherwise referred to as the revolving balance by other credit card companies. Navy Federal Credit Union VISA is stating that because I didn't bay the statement balance ( purchases + promotional balance ) in full, I am subject to interest on the average daily balance minus the promotional 0 % APR amount.

VISA has " duped '' the customer by advertising a 0 % APR promotion and then charging interest on the average daily balance of the account when that promotional balance hasn't been paid in full because they are including it in the statement balance. 

I called the Customer Service Line inXX/XX/XXXX and the interest charges from theXX/XX/XXXX and XXXX statements were credited back to me. However, they continue to charge me interest because I haven't paid the statement balance, even though I have paid more than the purchases that period and contribute to the reduction of the promotional balance. 

Based on experience with other credit cards through stores such as XXXX XXXX and XXXX 's, I don't understand how I can be charged interest because I haven't paid off the balance of a purchase that has a 0 % APR. That promotional balance should be separated from the revolving balance, and if that revolving balance is not paid in full I would completely understand being charged the interest.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (RI)

Two years ago I responded to an offer from the Lending Club and I took a debt consolidation loan with them. The payments were {$950.00} and at the time it seemed like a good way to quickly pay off debt. Unfortunately my wife became XXXX and could not work. She applied for Social Security XXXX but that takes years to get. Nevertheless, I kept up the payments. Last summer it was becoming very difficult to make the payments and pay for health care and care for our son. 

I contacted the company and explained this to them and asked if they could reamortize my loan and that I would repay the entire amount once my wife 's XXXX award came in. They refused saying that is not something they do. I continued making the payments until I could no longer do so. The outstanding balance at that time was around {$10000.00}. They have sent my loan to collections, after one month, and when I spoke with them, their response was the same " too bad for you '' that I got from the Lending Club. 

I can not comprehend why, given the circumstances, they would not reamortize the loan. Many lenders actually forgive significant portions if not entire loans when XXXX strikes and all I sought was a reamortization.
Consumer complaint received 2017-10-01
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. (CA)

1. I provided the credit card company XXXX XXXX  and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXXXXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Consumer complaint received 2017-10-01
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. (TX)

I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.
Consumer complaint received 2017-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (ME)

Noticed this item on my credit report XXXX XXXX ). I never received letter from this company. Also, XXXX contacted me on or about XXXX XXXX, XXXX, in regards to this matter, and did not send me a conformation email, or mailed letter.
Consumer complaint received 2017-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have ready posted several documents of proof to CFPB for help. On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX XXXX sent notice of illegal default and demanded payment or they would push my account to foreclosure. I was illegally and without proof, extorted to pay all monies on said documented dates to bring my account current ... ... .. AND I DID. 
In response to the payment in full my account WAS NOT brought current but sold to Select Portfolio Servicing Inc. and NOW they are demanding the same amount stating I never became current. I even read a notice from Select Portfolio Servicing Inc., that mentioned dollar amounts BEFORE I paid the total amount to become current. On the one hand Select Portfolio Servicing is saying that they have nothing to do with the amounts owed to XXXX but on the other they are demanding those same and more dollar amounts. 
This is an illegal act of loan sharking. 
I have legal documented proof of the " cure '' notice and entire payment of said harassing " cure '' to XXXX paying off all pass threatening balances ; and at the same time proving that NOW Select Portfolio Servicing Inc. is the using the same harnessing and bullying tactics to push me again into the same intentional scamming default. 
I am now receiving notices at my private home pushed into my mailbox. 
I have made payments at the end of XX/XX/XXXX ... .accepted by XX/XX/XXXX, then again a second payment at the end of XX/XX/XXXX, a payment at the end of XX/XX/XXXX, and a payment at the end of XX/XX/XXXX. 
These payments have ALL been documented and made AFTER the payment in TOTAL of the threatening default " cure '' notice paid at the end of XX/XX/XXXX. 
1 - HOW DO I STILL OWE 2 MONTHS OF PAYMENTS and 2 - WHY IS SELECT PORTFOLIO USING THE SAME HARASSING TACTICS? 
Note : I am submitting another complaint form so that I can resubmit said documents previously submitted to CFPB with the same details as the above letter Very Sincerely, XXXX XXXX
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trying to get a credit freeze at TransUnion. I mailed in all the information they said I needed ( drivers license, current bills ], etc. etc. ). 

I tried to do it online but their web site would not work for me. 

I tried to call them many times, but of course that was fruitless. 

Finally I got a form letter with a form to fill out and submit all the information that I had already sent to them before. 

Clearly they do not want to help me. 

Of course I could not get through on the phone. 

I will let my congressman know of my problems also. 

This is the same experience I have had with XXXX and XXXX. 

They should be required to give everyone an automatic freeze and let us opt in.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

XXXX XXXX, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Consumer complaint received 2017-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

transunion credit report inquries that castumer servis did not help with XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all XXXX credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : XXXX. XX/XX/2017
Consumer complaint received 2017-09-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (TX)

During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. 
XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims.
I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday XXXX XXXX, XXXX.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AZ)

I previously filed a complaint on a related matter. However, this complaint is different. On XXXX XXXX, American Express advised that it had closed my account because I had used XXXX, while linked to American Express, to pay certain related parties. AMEX stated it was a violation of their agreement, although it was not. 

The above is by way of introduction only. Now, I have received a letter from American Express, a copy of which I am enclosing, stating that the reason that they canceled my account because I did not provide financial documentation and/or IRS information as requested. The only problem is that American Express is made no such request. 

I would hope that AMEX is held at least to a standard of behaving in an honest and forthright fashion. At this juncture, I have been provided to inconsistent reasons for the cancellation. In the first case, their document does not prohibit the conduct. In the second case, they canceled me because I did not abide by the request, which request they never made. In both cases, AMEX acted very improperly. 

I asked that American Express not be taken at face value this time around, as it is clearly promulgating inconsistent information.
Consumer complaint received 2018-10-27
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

I was contacted by Chase XXXX XXXX on XXXX XXXX, XXXX with an offer for a HARP refinancing with no closing costs, no appraisal, easy process. I met all the criteria listed in their email. I was told that I had a superb credit rating. As the process went forward I was assured by the Chase representatives that my refinancing loan was approved, and we were just looking for a date I could sign the papers. Everything was in place. Then I kept being asked for more information, and more information. I was told my loan was not being approved because I have a residence in XXXX. They had always known this information and knew it at the time I was told the loan was approved. I told them that I pay state taxes in Colorado, have an address there, and vote in Colorado. Yet, six weeks later, I was still told that a senior underwriter was turning down the loan.I have included the original email. I met and continue to meet all the criteria listed in that email. It looks like they created a way to turn down the loan that was outside their stated criteria. 

I had exactly the same experience with Chase in XXXX. At that time Chase again told me that my loan was fully approved, and did n't require any documentation. The Chase mortgage representative kept being puzzled when I was asked for more information, then more information, then more information. He said that nowhere in this loan was I supposed to even be asked for that additional information. Again, the loan was turned down. 

At the very least, Chase XXXX XXXX can not be trusted to follow through on their commitments. I wasted a great deal of time and effort providing all that I was asked to provide, signing all of the forms, etc. I was told the loan was fully approved, but Chase did not honor that commitment. 

There is an additional piece of information that I would prefer NOT be included on consumerfinance.gov. Several years ago I surfaced unethical behavior on the part of a senior Chase loan officer. It 's reasonable to wonder if being asked for additional information, and finally having two loans turned down after I was assured and promised that they were approved, may be in some way be payback.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I had been trying to applied for a citi bank credit card since last year, on Sunday XXXX XXXX XXXX I tried to applied for a credit card over the phone. And still got denied. I truly do n't understand why because I have an excellent credit score history. I called once to Citibank and all they told me was that I had too many credit card accounts open. Which is not true. I think their policy and procedures of getting a credit card with citi bank is horrible. I would like to get a more depth explanation of why I had been denied multiple times in getting a credit card? I will appreciated it