davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (LA)

I disputed with all 3 credit bureaus as I have had credit freezes and fraud alerts on them for years. But some how someone used my information for a company called XXXX and did a return check. I learned of this when XXXX XXXX alerted me of a collection added to my credit report. I have filed a police report, identitytheft.gov report. I sent letters to Payliance collection and never heard from them... I reached out to XXXX and spoke to a supervisor named XXXX who reviewed my information and said it was identity theft and that he contacted Payliance to remove the collection bc of fraud but yet its still on my credit report. I emailed them today with the police report, the letter that I mailed to them on XX/XX/XXXX and a new letter from today. Im mentally exhausted trying to constantly protect myself from people trying to use my identity. I just want this nightmare to end.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. the interest rate is excessively high or was increased unexpectedly, it is an unfair or predatory lending practice. 
the terms of the interest rate were not clearly disclosed and rate was increased without proper notification or for unclear reasons, If not resolved, I will sue for damages.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I have been trying to open a Well Fargo bank account. When I have to do it online, it reads unable to verify please go into a bank w. identification & the amount requested to deposit. When I go to the bank, I am still unable to open the account & am not being told why or how to rectify what ever it is that is causing this. I have attempted to figure this out & open an account over & over again & am being denied w/o any information nor indication as to why.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received two fraudulent charges on a CapitalOne card ( for {$39.00} and {$360.00} ), which I did not make and challenged as unauthorized. The company initially reversed the charges, but re-instituted them. When I called to inquire, they said they were made with the chip, and thus werent unauthorized, and were put back on because I needed to say the card was stolen, not that the charges were unauthorized. They said they would file an appeal. I have heard nothing further.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (WA)

I have XXXX loans from undergrad and graduate school. The loan providers changed from XXXX XXXX to Nelnet to XXXX. During XXXX my loans were transferred from Great Lakes to Nelnet. During this time, my undergraduate loans increased by the amount of {$4800.00}. I contacted Nelnet who said they were unable to provide me with a history because loan was transferred to them by XXXX XXXX. XXXX XXXX no longer exists to contact for my full history. I contacted XXXX who is unable to provide me with a full history of my payments with loan balances and interest. XXXX reports that there was a capitalization of interest of my loans in the amount of {$4800.00} when the loan transferred between XXXX XXXX and Nelnet. This capitalization of interest occurred during the XXXX XXXX. I have also contacted Department of Education who is also not able to provide me with a full history of my payments with loan balances and interest.
Consumer complaint received 2015-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (RI)

I have applied for a Home Affordable Mortgage Program ( HAMP ) with Nationstar several months ago and have continued to make payments on my mortgage however Nationstar has delayed addressing my HAMP application and continually requests documentation that is not relevant to process my application. I wrote Nationstart long before I had a problem making payments on my mortgage after I lost my job and warned them that I would have problems due to a loss of income. I have provided documentation requested in the HAMP application process and have repeatedly followed up to request the status of my application however I have not gotten a response on the status other than requests for information that is unrelated for approval. I have looked on my account and no longer see the documentation that I submitted through there online application process but have emails with the documentation that I provided. I feel like Nationstar is giving me the run around because I have a huge amount of equity in my house and would rather take the home in foreclosure if I ca n't pay as opposed to processing my HAMP application and taking a reduced mortgage payment. I have owned the home for 13 years and have never had a problem making payments until now. I only ask for fairness and due process for my HAMP application. Lastly, I have put my home on the market, as of XXXX 2015 and expect to receive a reasonable sale price if given the time. My home is quite expensive, especially in the Rhode Island market, and will take some time to sell but the HAMP program will allow me to make payments until the home is sold.
Consumer complaint received 2023-11-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company (FL)

I was in forbearance with FREEDOM MORTGAGE and in XXXX of XXXX I filled out, signed, and returned the loan modification documents. XXXX of XXXX I was informed they got the maturity date wrong and I needed new documents. XXXX of XXXX I received the partial VA claim to resign and they wrote my wife 's name incorrectly. I did not receive another remod documents until XXXX of XXXX and now the interest rate has doubled. Mind you I called EVERY SINCE MONTH PAYING AND ASKING FOR UDPATES AND NEW PAPERWORK.
Consumer complaint received 2024-08-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (OK)

Delete from Consumer report agency XXXX XXXX XXXX / XXXX XXXX XXXX 
XXXX XXXX DEPT OF ED / XXXX Reported : XXXX. XXXXXXXX XXXX {$3000.00} + In good standing DEPT OF XXXX / XXXX Reported : XXXX. XXXXXXXX XXXX  {$7500.00} + In good standing DEPT OF ED / XXXX Reported : XXXX. XXXX XXXX {$3900.00} + In good standing DEPT OF ED / XXXX Reported : XXXX. XXXX XXXX {$5000.00} In good standing DEPT OF ED / XXXX Reported : XXXX. XXXXXXXX XXXX  {$8400.00} In good standing DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX  {$6000.00} + In good standing I never received a recession form I've the right to recession and it wasn't disclosed of the consumer credit transaction. Under 15 usc 1635 15 usc 1611 LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part A 1611 Quick search by citation : Title enter title Section section 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both Under truth and lending disclosure We know for those that have been here for some time you guys are fairly new the finance charge is the sum of all charges some of them are charges me the total payments I need the total amount of all charges but granted they're still looking to continue to make monthly payments on something that's already been financed by someone that's already getting credited that's why we talk about the lending misuse of one 's credit and that's why they talk about that you know let 's see it is the purpose of the subject to assure a meaningful disclosure of credit terms so that the consumer will need to prepare more revenue various credits and avoid the uninformed use of credit by why are we talking about avoiding the uninformed use of credit because on the use of our credit we would understand that we are the creditor do every single transaction with these that collectors and financial institution as one from and the rights therefore extend credit.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

This relates to XXXX different XXXX Card Accounts : XXXX XXXX card and XXXX XXXX XXXX by Barclay. Barclay took over from XXXXXXXX XXXX who originally had the card, and with whom I never had a problem. In fact, I never had a problem like this with any other credit card I've had. With XXXX, I signed up for a free trial on XXXX and cancelled well within the time limit, but they charged my card {$89.00} for a one-year subscription ( XXXX, XXXX ). As soon as I saw the charge, I called the only phone number I could find ( corporate, I think ) and left a message saying that the charge was wrong. I let Barclay 's know and started a fraud dispute with them ( XXXX XXXX & XXXX XXXX, XX/XX/XXXX ). In XXXX I tried to buy an airline ticket from XXXX to XXXX through a company called XXXX. I received an alert from Barclay 's saying it was fraud or a scam. I immediately cancelled the transaction through the credit card company and let XXXX know I wanted to cancel everything immediately. I also started a claim against XXXX through Barclays on XX/XX/XXXX ( XXXX XXXX & XXXX XXXX ). Barclays said they contacted both companies and that the company claims were legit! They sided with the fraudulent corporations! I tried calling Barclays on many occasions and wrote them a number of letters which included proof of the XXXX company being defunct. I sent copies of emails from both companies. XXXX said they would put the money back on my card and Barclays said they never did. I sent them proof of the confirmation from XXXX and spoke to supervisors with both the company and Barclays. The same XXXX. I both mailed and faxed the information from XXXX stating the company did not exist. XXXX all these months, I have explained repeatedly the fraudulent charges on these cards and Barclays should never have paid out these claims. They should have listened to me. In both cases, I wrote to them asking them to reopen the cases and including proof of the fraudulence of the charges. They have never listed to me on the phone or through the website when I have tried to communicate nor through the letters and faxed I have sent them. They have continued to ignore me and blow me off and now they're falsely hurting my excellent credit by saying I have not paid these fraudulent charges. XXXX even put some money back onto my card for the false airline ticket, and still Barclays doesn't recognize it it a wrong charge. I'm fed-up with trying to communicate with them and with XXXX. Please help take this off my report and restore my good and rightful credit. Thank you, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the excessive delays and repeated documentation requests in the processing of a mortgage assumption application. The original application was submitted on XX/XX/XXXX, and since then, Chase Bank has requested additional information on the following dates : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Throughout this process, the representatives at Chase Bank have exhibited incompetence, providing little information and often conflicting updates. On XX/XX/XXXX, Chase Bank made a counteroffer that required the payoff of two accounts as a condition for moving forward. This condition was met promptly by the borrower, with the accounts being paid off and verified, and the corresponding documentation sent to Chase Bank. Despite these efforts and the completion of the counteroffer conditions, Chase Bank subsequently issued new requests for information that had already been provided. Furthermore, there were delays in the process due to requests for documentation, such as paychecks, that were dated after the request was made, adding to the confusion and frustration. 

It is apparent that Chase Bank has demonstrated no sense of urgency, fiduciary responsibility, or commitment to customer support throughout this process. The bank 's representatives have failed to make the process understandable or clearly communicate what is truly needed from the beginning. This lack of clarity and support has compounded the delays and added unnecessary stress to the borrowers. Additionally, Chase Bank has performed a hard-pull on the borrowers ' credit four times each, further impacting their credit scores without adequate justification or explanation. 

It is important to note that both borrowers have experienced improvements in their financial situations since the original application, and the borrower has a flawless payment history with Chase Bank, never having missed or been late on any mortgage payments. 

The repeated delays and requests for updated documents have placed an undue burden on the borrowers and seem to reflect a pattern of procedural inefficiency. As a resolution, we seek the immediate completion and closure of the mortgage assumption loan under the agreed-upon terms. 

We request the CFPB 's assistance in ensuring that Chase Bank resolves this matter expeditiously and adheres to fair and transparent lending practices. 

Thank you for your attention to this matter. We look forward to your assistance in resolving this issue.
Consumer complaint received 2024-07-04
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
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: DISCOVER BANK (NY)

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1XXXX ( Cancellation of Debt ) from the following charged-off account listed below : DISCOVERBANK XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX  is report an account that is more than 7 years old on my credit report. This information is old and reporting more than 7 years.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (IL)

I got an an alert of duplicate charges from XXXX XXXX. Immediately contacted US Bank. To dispute the duplicate charges they refused because the transactions were pending. But will charge an over draft fee it it doesnt fall off as duplicated charges. I informed the technician no charges should be made if the funds are not there.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I opened a XXXX Rewards credit card in XXXX XXXX, issued by Comenity Bank XXXX XXXX XXXX. After trouble accessing account information and poor customer service, I closed the account and paid the only statement that I received. Since that time I have received many collection calls, sometimes daily, demanding payment for an alleged debt of {$44.00}. I requested a copy of my statement showing what I owed. I was told it could not be provided. After several requests, including calling customer service, I could not determine what the charges were for. 

Since this time a derogatory rating has been placed on my credit report. Despite multiple attempts to validate the debt, no proof has been provided. Attempting to contact customer service for this issue has resulted in " we can't do that '' and " it's out of our hands '' and no other remedy has been provided.
Consumer complaint received 2023-03-17
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: LEXISNEXIS (IL)

According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that you hold about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA ( See attached Supporting Document # 1 ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my C.L.U.E Report with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (TX)

XX/XX/XXXX again attempt to work out payment arrangements for mortgage payment VA loan. Rocket Mortgage asked issue for non payment. As usually from XXXX I have told these people theft of mortgage payment, escrow over payment and refund money, theft of Paperwork for VHA loan change from closing. Many times these people have refused me entitlement information for the handling of my money for my land. And again excuses to investigate why and whom XXXX XXXX Missouri is listening to about me buying land in Missouri on that lot. The AZ certified of eligibility woman told me in XX/XX/XXXX VA will use my equity and then distribute me my property assets from the house pay Rocket Mortgage and mail the remaining money. I called Rocket Mortgage to tell them XXXX XXXX Missouri refuse me my mail from my address so if they plan to send me anything I am not allowed to get my mail. So I will not get any money for m Rocket Mortgage. And They have been cutting checks back toe and I have only gotten one check and that was not my request. They just refunded the moneyXXXX.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation (WI)

On XX/XX/year>, I sent a letter to World Acceptance Corporation, which was delivered on XX/XX/year>. To date, I have not received a response. In my letter, I requested a 1099-C form for tax purposes, as I settled the account and the amount in question exceeded {$600.00}.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were accounts that were opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication.