davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

XXXX paid Loan Care the back arrears in XXXX of 2022 and they also paid 3 months mortgage payments in advance. They sent an award letter to Loan Care letting them know the amounts that they were paying at that time which they stated were {$620.00} per month which Loan Care agreed to, but the payment amount was actually {$920.00}. So in the meantime the mortgage amount of the mortgage being in default has been steadily growing each month so that now it is {$5300.00} behind. Now keep in mind that I have called Loan Care several times and XXXX has sent them several letters asking for XXXX XXXX letters but they are ignoring the requests. 

XXXX has now said that there is nothing more that they can do and I do not know what to do. If Loan Care would just send them the Loan Modification letter it would be straightened out.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MI)

My account was opened XX/XX/2023. My account closed on XX/XX/2023. At the time my account closed I did NOT have any balance. I received no statement for XXXX, no balance prior to my statement closing. I have no payment due in XXXX because when my statement printed in XXXX I had no balance. Discover improperly reported a balance on my credit report on XX/XX/XXXX, if though I did not have a balance nor a statement showing a balance or payment due. Discover must remove the improper {$210.00} balance that is reported to my credit report!!! LENDERS ARE ONLY SUPPOSED TO POST STATEMENT BALANCE!
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TN)

I have chime mobile bank and my phone was stolen I notified chime on the XXXX and an hour before the fraud arcade that my phone was stolen and I had to send in documents verifying my identity to change my email and phone number on my bank to gain access to my account and in the process of emailing chime my information some one accessed my bank account and sent XXXX dollars to there own account I found out on the XXXX the money was stolen I notified my bank and from there I have been getting denied my money I sent in the police report and all the emails showing that I had no access to my account at the time of the transaction but my bank will not refund me my money and its there security team that did nothing to freeze my account at the time I notified them of my stolen phone
Consumer complaint received 2023-01-07
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: CITIBANK, N.A. (GA)

I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : 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 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
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (AZ)

On XX/XX/year>, I received an email from MOHELA stating " MOHELA has placed an Administrative Forbearance on your account while processing your Income-Driven Repayment ( IDR ) request. You may decline or request to end the forbearance by contacting us. Read this notification carefully, which can be found in your online account, regarding the forbearance period for your loans. '' I am unable to view this information on my account, it's an endless loop on MOHELA 's website. On XX/XX/year>, the U.S. Department of Education said, " We see that you may have recently missed a payment on your federal student loans '' which is untrue during my forbearance. On XX/XX/year>, MOHELA sends a " Cascading Delinquency Letter - 30 Days '' which again, does not match up with the date I was given forbearance, even if it was temporary. On XX/XX/year>, MOHELA says " Your federally owned student loan ( s ) serviced at MOHELA is more than 60 days past due, '' again inaccurate given the dates of when the forbearance was applied. They have not stopped processing my application thus ensuring the ongoing forbearance during this time. 

Unfortunately, there is absolutely no information available to me letting me know that my application was completely reviewed and accepted or denied. There is an endless loop on the MOHELA website where it says I can download the PDF letter stating, " IDR Request Received, Temporary non-capping forbearance applied during processing. '' I was never told it stopped processing, I'm assuming it is still being processed. I have explained numerous times that I am unable to pay my student loans at this time. I don't make enough to sustain myself let alone the student loans. It was stated when I had applied that I most likely would have my payments go down to {$0.00} a month under the SAVE plan which I applied for. I have gotten nowhere with MOHELA and have no idea what's going on. I am powerless and have been sent numerous letters that are unviewable due to MOHELA 's website loop when trying to access letters under the " Documents we sent you '' tab.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MA)

I applied for the new XXXX program on XXXX and according to the XXXX site everything was complete, received by Nelnet, and processed. I never received any updates from Nelnet and I called on XX/XX/XXXX. After waiting XXXX hours to talk to someone, I was told they needed proof of my income. I was never notified of this. There was no email communication, phone call, etc. I also had given permission for my tax info to be transferred on the application. The representative said they needed it and that I won't be on the XXXX program for XXXX which means I'll begin accruing interest. When I pointed this out they said there is nothing they can do and that " it wouldn't be that much interest. '' I submitted my tax information and they then said application was received on XX/XX/XXXX and processing and would take 15 days according to an alert on my account dashboard. I have logged into my account regularly and last week ( XX/XX/XXXX ) it said it was processed and to expect communication. I have not gotten any communication. I still am not on the XXXX plan, but I was placed in forbearance until XXXX. 

A note, that according to the Department of Education website, my application was received XXXX and processed XX/XX/XXXX. Again, nothing from Nelnet. 

I just want to be put on the XXXX plan and begin repayment. I have tried to call multiple times this week and last week and I am just put on hold endlessly and never get through to anyone.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Lender : Pentagon Federal Credit Union The bank repossessed our XXXX XXXX XXXX. Even after the bank found evidence that our car had a repayment contract and the information was filed incorrectly, the memo was sent to management within the bank and the repossession department, the supervisor stated that we have to repay {$1500.00} to get our car. The bank/lender failed to file our paperwork in the accounts correctly. We made a payment towards the repayment contract on XX/XX/XXXX. My husband calls the bank every month to pay and update the records and we were not notified of any potential for repossession. We were told everything was good and set for our cars after using the repayment contract called a BUMP program at Pen Fed. I have proof of emails sent and the contract we entered with the lien holder, and was notified that it was not supposed to be up for repossession. 
Please help. 

Sincerely, XXXX and XXXX XXXX.
Consumer complaint received 2017-05-17
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: Experian Information Solutions Inc. (MD)

I sent this company  2 lett ers asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/year> - Chase rejected external transfer of {$15000.00} into bank from XXXX XXXX XXXX  after transfer verification process without notice or reason. 

XX/XX/year> - Chase rejected external transfer of {$7000.00} into bank from XXXX  XXXX XXXX Bank after transfer verification process without notice or reason. This XXXX  XXXX XXXX account was the funding account previously used to fund the Chase Account. 

XX/XX/year> XXXX XXXX will call me back within 2 day. 
XX/XX/year> XXXX XXXX Fraud XXXX - Relief Lead '' XXXX XXXX, OH. '' XX/XX/year> XXXX ( XXXX ) XXXX XX/XX/year> At XXXX XXXX  XXXX XXXX XXXX couldn't explain why transfers were rejected. Asst XXXX and JP Morgan rep didn't know external transfer existed outside or bank wire. XXXX corrected them with her knowledge of external transfers. 
XX/XX/year> XXXX XXXX XXXX ) XXXX XXXX Team XXXX Team Escalation Case # XXXX XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Team Escalation Case # Case # XXXX L/M. 


Chase never notified me of their rejection. How did they expect me to maintain my required {$15000.00} minimum required balance if they won't let me fund the accounts? 

Chase, on every occasion, refused to explain their rejection or lack of notification. Their I was treated poorly at the XXXX, MD branch and felt like they discriminated me due to the color of skin/ethnicity. Their branch assistant manager and JP Morgan did not know they supported external transfers.
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I am paying for a loan with credit acceptance I was told that I could refinance for a lower interest rate. The amount financed was XXXX. 
My finance charges was XXXX for a total XXXX. On a XXXX with XXXX miles subtract my down payment of XXXX I am still left owing XXXX. I had the truck XXXX months maybe and had to sink another XXXX because of the mechanical issues. I have been paying on this truck my credit isnt any better they not reported anything XXXX cant get refinanced. I cant trade it in be Ouse of what I owe
Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Letter of validation and request of 1099c was sent to company due to reporting of charge off. there was no 1099c sent to me nor did i give consent to furnish any data on my consumer report. it is illegal to report debt that suppose to be earned income to a consumer report.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-15
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (MD)

I sent this company 2 letters asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with XXXX and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Was denied by Nationstar for a HAMP ( XXXX loan ) because " No divorce, XXXX or divorce. '' My income has been reduced and continues to be reduced due to elimination of overtime. I included my husbands income ( non-borrower ) but his overtime also has been eliminated. I am going to " Appeal '' the decision and hope Nationstar will reconsider that there is in fact HARDSHIP.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I was informed by a Capital One credit card fraud department representative my personal credit card ( ending in XXXX ) was closed yesterday on XX/XX/XXXX. I asked the representative why the card was closed, and the representative said because it had been used for personal use. I informed the representative I am a victim of previous identity theft, and that the card is not a business card, therefore, it can be used for personal uses. On XX/XX/XXXX my CapitalOne Spark business card ( the representative would not provide the last 4 digits of this card on the phone today ) was closed by the company due to the same fraudulent reasons, and the card had not been used at all. I informed the company I had resolved all existing issues regarding fraudulent activity on my accounts dating back to XXXX and ( XXXX ) that involved my maiden name XXXX XXXX and/or my social security number. Since then, I have been approved for business and personal credit cards for them to only be closed by someone or something ( CapOne 's system ) at the company.without good, fair, or ethical cause.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NJ)

Spring Oaks Capital LLC has continued to openly participate in illegal debt collection, extortion, and racketeering with XXXX XXXX Spring Oaks Capital LLC has a non-certified copy of a contract purchased from XXXX, as well as a copy of an electronic image of a promissory note purchased with the intent to deceive with a security of the United States . I attempted to resolve this issue with them several times but they refused to cooperate. Their activities have created actual damage and have harmed my credit reputation and personal reputation. All I was asking is for a permanent removal from all consumer reports. Reference number # XXXX a
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

These accounts are in violation of15 U.S. Code 1681A. The investigation took more than 30 days XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On the evening of XX/XX/XXXX I received a phone call from someone who was posing as a Wells Fargo employee, calling from the XXXX Wells Fargo number. I was told that there were fraudulent transactions on my account and an order to keep my funds safe I needed to move them away from my checking account until the issues could be resolved. 
I was instructed to move five increments of {$2000.00} totaling {$10000.00} to an XXXX XXXX card that the perpetrators had attached to my XXXX. 
As soon as the transactions were made I called Wells Fargo. I have also filed a police report, reported this to the FTC, all three credit bureaus etc. 
Wells Fargo contact me and told me that my claim has been denied. They told me I needed to file a claim against XXXX which I did but I am not hearing back from anyone. 
I believed that as I thought I was speaking to a Wells Fargo employee and that employee seemed to be speaking from a script like they would read to any customer That I could trust them. 
As I am retired, {$10000.00} is half of my living expense for the next year. I am in hopes that my funds can be recovered.