davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later XXXX XXXX XXXX XXXX make a move with XXXX XXXX XXXX XXXX XXXX , XXXX a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and Black list for ever atleast in your Department.
Consumer complaint received 2019-07-04
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: EQUIFAX, INC. (AL)

There is incorrect information listed on my credit report that does not belong to me. I have disputed this information with the company and creditors with no results. I am receiving alerts and information, phone calls threatening my taxes & paychecks etc. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also the following address are incorrect and I have submitted the correct information XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX al XXXX, XXXX XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX la XXXX The following inquires are listed as well XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NM)

In  XXXX   2012, I w ent to   XXXX   XXXX    XXXX  on  XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX  for   XXXX   XXXX   appointments. I agreed to a total of  XXXX  appointments for a total of {$3800.00}. After the first appointment, I found that the service was unacceptable and never took advantage of the remainder services. I was advised that the service would be removed or it could be transferred to other services. As I did n't transfer the services, I assumed it would be removed. Now I am applying for a mortgage only to find that now only was n't it removed but it was referred to collections without having any notification. I want the amount refunded, the account removed from collections and the negative reporting removed from my credit report.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2015 I applied for a home loan through Wells Fargo Mortgage, my loan representative/officer was XXXX XXXX, Branch XXXX, Wells Fargo Mortgage in XXXX, CA. The home I purchased was a new condo being built with a completion estimated at mid to late XXXX, 2015. First off, I had never met XXXX personally so for him to refer to me as bud, which he did often when responding to texts/emails ( if he responded at all ) was very unprofessional. He often ignored texts/emails/phone calls and lacked proper communication skills. He rarely kept me informed of my loan progress and only provided updates when requested and sparsely at best. As earlier stated the completion was set for mid to late XXXX so I had 7 months to get all the necessary information to XXXX. I was always prompt providing the necessary information/docs to XXXX as to avoid any miscommunication/setbacks/delays in the loan process. I asked for updates on a weekly/monthly basis ( which often went ignored ) and I was assured by XXXX XXXX that we were on schedule, at XXXX point he stated we were 2 months ahead of schedule. We were scheduled to close on XXXX XXXX, 2015, but due to XXXX 's inability to perform his job the closing was delayed to XXXX XXXX, 2015. When XXXX was unable to perform his job I requested another XXXX to handle my loan, at which point XXXX stated " you 're not going to want to hear this but no one in this office can do what I do '', at which point I requested his supervisors name XXXX XXXX XXXX XXXX and number. I contacted XXXX at which time XXXX took the lead on my loan process and without XXXX efforts I do n't think my loan would have closed when it did, if at all. On XXXX XXXX, 2015 I received a text from XXXX regarding an issue with the tax rate. During a telephone conversation between XXXX, XXXX and XXXX XXXX stated that the rate utilized by XXXX during loan approval was 1.5 % not the actual rate of 1.9 %. When I informed XXXX that I had provided XXXX that XXXX XXXX openly lied to XXXX and I, stating he did n't know the tax rate was at 1.9 %. However ; XXXX was provided the tax rate information via email on XXXX XXXX, 2015. This lie, XXXX 's inability to perform his duties and his unprofessionalism cost me an additional {$7800.00} in closing costs and placed unnecessary burden on several others who had to work unnecessary hours to insure my loan closed by year end.
Consumer complaint received 2019-09-19
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. (OR)

Experian is reporting incorrectly a foreclosure proceeding started, as well as reporting that I am ( 150 ) days late on the XXXX XXXX   MTG partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) The property was sold at auction in 2017 and all lates that are currently being reported are false. This account should be reporting a {$0.00} balance and the late payments need to be removed. This incorrect reporting is harming my credit score. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (TX)

Around XX/XX/XXXX I sent the following letter : Dear Sirs ; I am, by this letter, disputing your stated balance of $ XXXX XXXX on Loan Number XXXX and informing you that correct balance is {$0.00}. 
I believe your erroneous balance is the result of the following three errors : 1. Incorrect Balance Transfer from OTHER $ XXXX 2. Interest Charges Related to carrying the Additional $ XXXX $ XXXX 3. Interest Calculations Made Using Due Dates Not Payment Dates $ XXXX On XX/XX/XXXX I received a letter dated XX/XX/XXXX from OTHER informing me that my loan was being transferred to Capital Mortgage Services of Texas ( see attachment 1 ). I sent to you on XX/XX/XXXX a letter stating that the balance OTHER was carrying was in error ( see attachment 2 ). I advised you in that XX/XX/XXXX letter that I would not accept any amount other than $ XXXX XXXX transferred from OTHER on XX/XX/XXXX as the amount that I owed to Capital Mortgage Services of Texas. 
As I received no response to this letter I called your office and spoke with one XXXX XXXX on several occasions. During these conversations I expressed my concern that interest on my payments was being calculated based on the Payment Due Date and not the actual payment receipt date. After several telephone conversations and email exchanges Firstname assured me that you had my letter on file and both the incorrect balance transfer and the interest calculation variances would be resolved when the loan was to be paid off ( see attachment 3 ).  That Day of Reconciliation has now arrived. 
Please review the attached payment history with my interest calculations shown ( see attachment 4 ) and forward to me any comments or questions you may have. 
Thank you for your help on this issue. 

Sincerely, My Name
Consumer complaint received 2023-03-20
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2019-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I spoke with a Capital One representative in XX/XX/XXXX and was told that my account would be in good standing for 28 days. I scheduled my payment on XX/XX/XXXX. I got behind on my auto loan due to downsizing with my employer. I communicated with Capital One that I wanted to keep my vehicle and was making strides in restoring my account. On the call I made on XX/XX/XXXX, I was told that I would be able to make arrangements on my auto loan to by a modification as soon as my payment was received. With my account in good standing. On the XXXX I was emailed documents to complete and was instructed to fax them back once they were completed. I completed the forms and fax them back as instructed. I contact Capital Once on the XXXX to ensure that my forms had been received. However, I was told that they weren't received. I re-faxed back several times unsuccessfully. I asked if their was another way for the form to be submitted and was told that I could email them. I emailed the documents and they were received. The representative told me I would hear back from someone in two weeks. I NEVER received a call. On XX/XX/XXXX I received a letter informing me that Capital One had attempted to contact me & that I had to the XXXX to respond. I didn't receive the letter until the XXXX .Also, I have no voicemail from Capital One & was informed that my voicemail wasn't set up when it indeed is. I never have had a problem with them contacting me until now. Since I received the letter on the XXXX th & the XXXX was on a Sunday. I asked them if they would be willing to work with me since I just received the documentation and had no other contact from them and was told that the modification was denied. I asked to speak with a supervisor and was told that their was not a supervisor for that department. I continually asked if their was someone else I could speak with to assist me & was finally transferred to escalation department. When transferred the representative was rude and interrupted me frequently not allowing me to speak. The representative was not at all helpful.My vehicle was repossessed on XX/XX/XXXX. I have been trying to resolve. This is not the information I was given when I spoke with a representative.
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MI)

I received a letter dated XX/XX/2018, indicating a collection account for {$680.00}, has been placed with XXXX XXXX XXXX  for collection by XXXX XXXX XXXX College District. I do not and never have owed any money to this College nor have I taken out a loan of any kind with this College nor in any form in connection with this College. This debt is a fraud and does not belong to me. Furthermore, before a student can attend any course within this college, payment must be paid in full before any class can be attended. Therefore this debt is a fraud and does not belong to me and this company has received false information.
Consumer complaint received 2024-03-30
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: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-09-19
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX XXXX XXXX XXXX reported two new accounts on my credit visible on my transunion credit report based on collections from original creditor of XXXX XXXX  XXXX. I have not had any services or contact with XXXX XXXX XXXX since XXXX. This account is not new nor is it newly delinquent. This is XXXX reporting from the company for both amounts of {$3300.00} and {$1100.00}. Additionally it does no comply with reporting standards, six year statue for Massachusetts nor the 7 year reporting status for credit. I have worked hard to resolve my credit history and to make progress and for a company to behave in a such an unethical way by posting a delinquent account over eight years later as new is despicable.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

On XX/XX/19, I went to purchase {$400.00} itune gift cards at XXXX. I used Citibank credit card first, but XXXX said it did not go thru, so I then paid it in cash. But the charge still appears in my account. I then dispute the charge with Citibank and went several times to XXXX  and Citibank to resolve the issue. XXXX showed me their sale list and told me there was no charge against my credit card and gave me a copy of it which I sent to Citibank. After that Citibank still insists on the charge. I was caught between them, one said no charge, the other said a charge exists. So I have to pay twice on the same item? I have tried to resolve it with them 4-5 times but to no avail. There must be a computer system problem on both or either company and also their business practice!
Consumer complaint received 2023-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

I Paid an extra payment to keep my account current till XXXX. Instead of crediting the payment. Freedom Mortgage put it on the balance, so I would still owe a XXXX payment. I have to go into the hospital, that is why I paid ahead. This is a constant occurrence with freedom mortage, so they can add on fees on payment you have already made and attempt to try and get your home.
Consumer complaint received 2022-12-14
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-09-19
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 RECENTLY REVIEWED MY CREDIT REPORT AND I DISCOVERED SOME INACCURATE ACCOUNTS REPORTING ON MY CREDIT FILE. THOSE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT REPORT AND BECAUSE OF THIS I HAVE NO CHANCE OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. ()

I am a XXXX citizen but my loan was through gm financial in the states, a 5 year term, no missed payments, no late payments. My car is paid off. When I call it says title released XX/XX/2019, I owe nothing. I was unaware of a policy that states I have to wait 15 to 30 days to sell my vehicle I paid for, for 5 years, this is unacceptable as a consumer, even more unacceptable as someone who sold their vehicle not knowing of this 15 to 30 day policy that is not written anywhere for anyone to see or none about. I now have a very angry car buyer who cant put the car in her name as the lien is still there due to the policy that is not written anywhere for anyone to know about. I have dealt with gmf via phone and also written complaint for the last two days being told they cant send me that policy as its an internal policy. Wait, what? So how is a consumer to know that you have to wait 15 to 30 days to sell a vehicle if its not stated anywhere? Written anywhere, not notified as such a policy? Its not a policy, if its not written! I have a my account through gmf and asked that they send me a letter stating I owe nothing and they release the vehicle. They wont do that, I have to adhere to their policy that isnt written anywhere or I wasnt aware of. I am here to protect future consumers from this company who dont end up like me, paying a car off, selling it and having one angry buyer as I wasnt aware of some internal policy. I was also told by XXXX ID number XXXX that they didnt have to tell me of this policy as its an internal policy. Please do something about this policy they have that is not written anywhere!!! Yes Im XXXX, but my loan was through an American institution, how that happened is beyond me!
Consumer complaint received 2021-04-19
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. (FL)

All 3 credit bureau 's are reporting XXXX DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted Equifax, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached XXXX I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, XXXX can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if these XXXX DISMISSED XXXX filings will be removed along with XXXX incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2019-07-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

For the last 16 months I have been receiving unsolicited marketing email from JP Morgan Chase ( JPMC ) and a third party company called XXXX XXXX XXXX ( XXXX ), which is financed by JMPC. Despite repeatedly requesting by phone and by email not to be contacted with non account related email, I continue to receive marketing offers inviting me to " save money on my mortgage '' and " download the app ''. As an XXXX XXXX  with experience in digital financial products I can confidently attest to the fact that the content of these emails is only pretextually related to my mortgage and it is marketing garbage. What is especially concerning is that JPMC has passed on personal, private information about myself and my mortgage, including email, interest rate and mortgage balance to XXXX. I am appalled at their disregard of my privacy.