davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (IL)

Around the first week of XX/XX/XXXX I initiated contact in person with Chase, branch located on XXXX XXXX in XXXX. It is very close to my house. I have several accounts with them. 
I explored my choices on getting a loan and the types of product. 
At the end I was given a contact person and the possibility of two products. Refinance or HELOC. After a lengthy conversation over the phone with the bank representative I chose to apply for the HELOC. 
In the next few days I collected all the documentation they requested from me and took it in person to the branch, and in person gave it to the branch manager who was as always very proper, receptive and polite. 

A few days later I received by mail Chase disclosures on the loan and my rights under federal regulations. Also, someone from Chase left me a message. Her name, XXXX and I called back before XXXX, but she was not available. I left my number. The voice mail did not allow for a message, just a number. 

A couple of days passed, now it is XX/XX/XXXX, morning, I answered since I was in my free period between classes. I work as a XXXX. XXXX explained that she was the person I had to deal with for the loan. And needed me to do the application with over the phone and if I had 10 minutes at least. I explained to her I had already done the phone application over a week ago. She said it needed to be done with her. 
I was mortified that I had to do the application again. To add insult to injury, she recorded some of my responses I guess on the documents she needed. I explained all of those documents were delivered in person at the branch. She claimed she never received them either by fax or email. The minutes were running. As far as I knew the only thing missing was the appraisal which they had to schedule. 
She continue with questions, in a very discourteous manner. She wanted details on why I needed the money, exactly what I planned to do in the house and if I had already a contractor for the work. We hit several uncomfortable topics during this uncalled for interrogatory. Finally she told me that there was already an offer from Chase, at a lower amount. With the need to go back to work I told her all this had been a waste of time. Why not start where she ended and why all the inappropriate type of questions if they had already decided on what to offer me and according to her own words without seeing my documentation and an appraisal of my property. 
I am a long term Chase customer, have a mortgage with them, a checking and saving account as well as 3 credit cards. A Fico of XXXX and 21 years of employment with the same employer, XXXX. At the end this felt as pure and simple discrimination on the part of this division of Chase, or its employee.
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX/XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.
Consumer complaint received 2019-12-04
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. (UT)

Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

on XX/XX/XXXX i book a hotel and paid with my XXXX XXXX  card, i call the hotel to cancel, res was made XXXX : ..XXXX  and cancel XXXX 3 hrs later. It was well within their cancellation policy, The hotel even said if it was cancel within 24 hrs they honor it
Consumer complaint received 2022-09-29
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. (GA)

On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (MN)

Waypoint Resource Group is attempting to collect a debt that was charged off by the creditor. I received a letter demanding payment or my credit would be affected if not paid. Waypoint sent me a deceptive form as if the creditor was attempting to collect the debt. This is untrue. The creditor states the alleged debt was charged off XX/XX/2021. I spoke with several reps from Waypoint who assured me this was untrue and the debt was not charged off. That the creditor was still trying to collect. They lied. The letter received by Waypoint had the companies symbol which indicated that they were indeed a debt collector. In the letter they also stated I owed a debt and listed an amount of the alleged debt.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. After reviewing my credit report I have notice several accounts & inquiries being reporting on my report that I did not apply for. I would greatly appreciate if those ACCOUNTS and INQUIRIES could be removed.
Consumer complaint received 2021-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CA)

GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the XXXX XX/XX/2021 payments ). 
The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX. For XXXX months I had no insight into how payments were being applied or my loan balance. 
When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ID)

This summer, back in XX/XX/XXXX, XXXX XXXX at the Wells Fargo Home Preservation office, XXXX, started the modification process on my home. We had to get our paperwork notarized and sent in. She sent me an email titled " agreement '' in XXXX ( I deleted my email after they withdrew my first modified payment of {$790.00} on XX/XX/XXXX. ) The email said they had gotten the paperwork and the auto payments would start in XXXX, which they did. In XXXX I made a check payment at the branch that they didn't attempt to cash, and haven't sent back so far, but on XX/XX/XXXX they put my home in a trustee sale and sold it to XXXX at XXXX XXXX XXXX XXXX XXXX. I am guessing they sold it for approximately {$100000.00} because that's what we owed on it. I know there were probably some closing costs, taxes, etc. on top of that. Monday XX/XX/19 approximately XXXX XXXX we received a notice from XXXX hand delivered ( not notarized ) that we have 10 days to move out. THIS WAS THE FIRST WE KNEW OUR HOUSE WAS BEING PUT IN A TRUSTEE SALE AS A FORECLOSURE. I immediately called Wells Fargo to attempt to contact XXXX and instead had to talk to a third person. They informed me she had put it in the trustee sale because I never sent in our agreement. The agreement that was notarized and we mailed out. Then they started taking our payment out in XXXX. We never received a notice saying there'd be a trustee sale on our property on XX/XX/XXXX, or we would have had my XXXX year old son ( who still lives with us ) use his pre-approved home loan of {$150000.00} to buy it from Wells Fargo so we could all stay in the home. I reached out to XXXX XXXX XXXX XXXX to see if we can buy our home back for what he paid for and he replied that he has a job to do, and Idaho is not required to let the foreclose ( victims in this case ) residents to be able to have 60 days to buy it back. He also told me that my home is worth {$250000.00} at least so that's what he wants for it. I understand that is the law. But the foreclosure proceedings were not done by Wells Fargo, and when I received a ten day eviction notice I was completely blindsided, two weeks before XXXX. I contacted XXXX   XXXX XXXX this morning and they recommended submitting this complaint and contacting a lawyer. I am meeting with a lawyer at XXXX XXXX today to see if I can have them file a Lis Pendens motion to stall until we have the opportunity to get Wells Fargo to fix this. Wells Fargo needs to fix this- and get the home back in their financing, at which point we will get a loan through a company that isn't horrible with no ethics, and buy our home back. Why would they have sent me a copy of my statement on XX/XX/XXXX and then foreclosed ... I can't open that now because the loan is no longer a Wells Fargo account, and it isn't their problem anymore. I am positive that Wells Fargo did not follow the foreclosure proceedings according to law.
Consumer complaint received 2019-12-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation (AZ)

2 days ago I looked into loan options. Zoca was one that offered options but I was not interested. They called around 10 times in 2 days. After blocking the number, I called them back and was on hold for 15 minutes to speak to someone to tell them to stop calling. I then emailed the company to tell them to stop calling. They then called 2 more times last night. I called them back and told them again to stop calling. They have called now 3 times today. I want to be left alone.
Consumer complaint received 2019-12-04
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. (WA)

The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.
Consumer complaint received 2018-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

Today, XX/XX/2018, I called my student loan servicer, Navient ( XXXX ) to report I was back to work but because my wife 's deductions were so high on her pay that making payments was a hardship. I was advised that I was out of deferrment time, as well as forbearance time ( which I have no problem with ), and was advised that I did not qualify for income driven repayment plans. The rep advised me that if I gave Navient my bank account information and allowed them to take auto debited payments she could make my account current. I advised I didn't want to give out that information as I have been an identity theft victim in the past. So the rep advised that my only option was to make partial payments in amounts I could afford until the account was current. I clarified with the rep that if I had understood correctly, that if I provided my bank info, she could make my account current, but if not she was unable to help. I find this to be nothing short of blackmail.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Two separate E-Mail request/notifications received that {$600.00} will be " automatically be deducted '' from my PayPal account XXXX dated XX/XX/2022 and XX/XX/2022 from an E-Mail address # XXXX and another from " XXXX XXXX XXXX XXXX ) '' with a telephone contact number to reply. I DID NOT MAKE ANY SUCH TRANSACTION and called the E-Mail senders contact telephone number ( XXXX ). The contact telephone was only a scam to get more of my personal information. Upon trying to research a legitimate telephone number none was listed for XXXX XXXX XXXX XXXX Many many years ago I had an account with PayPal. Paypal Company should not use my account!
Consumer complaint received 2020-02-28
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)

XX/XX/2020 I TRIED TO CALL XXXX XXXX, XXXX, EQUIFAX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL
Consumer complaint received 2020-02-28
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. (OH)

I have submitted multiple dispute with Equifax. Equifax is reporting late payments on my credit file for a XXXX XXXX account that was closed and paid in full in XXXX. I have also contacted XXXX XXXX who indicates they have not submitted anything to Equifax. Each time I file a dispute which has been three times, Equifax adds another month to the late payment. This has been devastating and is impacting my credit reputation. I submitted a letter to Equifax asking for written documentation and proof that XXXX XXXX is submitting this information. Equifax will not provide any written documentation and keeps indicating that XXXX XXXX is submitting this information. I have attached written letters and disputes that were mailed to Equifax. I am very concern that Equifax is not accountable for these errors. 

I have attached a follow up letter with XXXX XXXX to show on XX/XX/XXXX they responded after I reached out regarding the late payments posted to my Equifax Credit file on XXXX and XX/XX/XXXX. To date this is the only documentation I have received from XXXX XXXX via mail.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

In the spring of XX/XX/2019 we received an extra charge that was put on our monthly mortgage invoice in the amount of {$2600.00}. After Multiple phone call attempts to Lakeview Loan Servicing customer service, someone finally told me the reason the extra charge was added was because of attorney fees related to the sale of our neighbors property. I was confused as to why we would be charged attorney fees when we had nothing to do with the sale of our neighbors property. I called my neighbors attorney to inquire and he confirmed we should not have been charged any sort of fee. He created a letter to state this and I sent it to my mortgage company. It has been almost a year and the fee has still not been reversed.
Consumer complaint received 2020-02-28
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. (FL)

XX/XX/2020 I TRIED TO CALL XXXX XXXX, EXPERIAN, XXXX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL
Consumer complaint received 2020-02-28
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-02-28
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: EQUIFAX, INC. (TX)

ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FACTUAL DATA CORP. (NY)

My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX Factual Data XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

NewRez became my loan servicer in XX/XX/XXXX ( mortgage was originated in XX/XX/XXXX ). My first payment was due to NewRez in XX/XX/XXXX, which I made. I subsequently made a payment in each of the following months. 

Suddenly in XX/XX/XXXX I was contacted by NewRez to inform me that I am 1 month behind on payments. As I had made a payment is each month, I thought this must be an error. I have called and emailed NewRez a dozen times at this point and can not obtain any clear information. I was able to learn that all the payments that I had made to NewRez were reversed on XX/XX/XXXX and reapplied. One representative told me that their appeared to be an error with the reapplication of the payments, but needed a " supervisor '' to review my account. The supervisor was supposed to call me back, but I have received no such call. Instead I have received several collection calls. 

I mailed an Notice of Error to the address posted on NewRez 's site in hopes of finally getting some information on this matter. If there is anything the CFPB can do to help me, I would welcome the assistance.