davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NE)

FedLoan Servicing took over as my student loan service provider after I submitted paperwork for Public Service Loan Forgiveness. I did not receive notification from FedLoan Servicing until XX/XX/XXXX, which was in the form of an email that only provided information on setting up my account with them. On XX/XX/XXXX, I received information in the mail from them describing repayment options and student loan forgiveness. They also provided information about my first payment, which was scheduled to be due on XX/XX/XXXX. The letter detailing this information was dated for XX/XX/2016, three days before that first payment was due. 
After setting up my account to see if it was possible that it was a typo and actually meant XX/XX/XXXX, I noticed that my student loans were labeled as delinquent. I contacted FedLoan Servicing today and spoke with a customer service agent, who notified me that my delinquent status would not affect my credit score or my chance for student loan forgiveness. The person I spoke with also notified me that FedLoan Servicing provides a 15-day " grace period '' for payment. This information was not provided to me in any of the documents I was sent via mail or email. 
I do not believe that I was given sufficient notice for payment from FedLoan Servicing, nor was I informed that there is a 15-day grace period to pay until after I called to speak with someone.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MO)

XXXX XXXX, of Prime Lending Mortgage, was a lender I was speaking with about possibly buying a home in XXXX, 2015. She disclosed to a real estate broker who I fired that I was buying a home - permission I did not give her - this real estate broker was her friend and her name is XXXX XXXX -and XXXX XXXX threatened to sue me if I used another broker even though she violated our real estate contract. XXXX XXXX violated confidentiality. Both XXXX XXXX and XXXX admit in email they exchanged private ifno about me. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I keep calling and emailing of writing complaints about chase Bank not providing me information about any credit cards with balances under my name or social security number. I am a victim of identity theft and Chase has not been helpful proving information. I would like to know if there are any closed credit cards with remaining balances under my name or social.

Chase continues to not respond to these complaints. They are saying they have already responded and that is not true. Chase Bank has not responded to me letting me know if there is a fraudulent credit card with a balance still remaining.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reached out the the all three major credit bureaus. I requested they remove the balance off a credit card I was added to as a Authorized User. They investigated and verified the account was accurate. The issue is that since I am a authorized user I am not responsible for any debt obtained. the account was closed but the balance has yet to be remove. 
in accordance with the FCRA, the creditor and the credit bureaus have violated my rights under 15 U.S.C. 1681a sec 603. states only information on credit issued to a consumer is allowed 15 U.S.C. 1681a sec 604 A sec 2. States a consumer reporting agency can not furnish an account without proper written consent 15 U.S.C. 1681a sec 602A. states i have the right to privacy
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (GA)

XXXX  XXXXXXXX XXXX XXXX Date XX/XX/21. I did not give this company permission to access my credit report because I was already approved by XXXX. The dealership used my Social Security number without my consent. I had no knowledge of this inquiry.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

TD bank credit card has charged me cash in advance in number of transactions which I did only and no cash withdrawn was made I have been making the same transaction with the same card for two years they never changed my any cash in advance fess for them until recently they started doing without notify me of any changes and never sent me any documents to make me aware of any change which is violated the terms and conditions I agreed about when I open the account with them .nevertheless, I already stop making the same online transaction once I noticed the fess they started charging me and a week later before all that happened I wasnt charge any cash in advance fess in I did the same type of transaction .also they charge me at the end of the month another fess again for the same transactions two fess difference time for the same transactions
Consumer complaint received 2019-02-15
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: The Satterwhite Law Firm PC (MA)

I XXXX my job during the global financial XXXX  between XX/XX/XXXX-XX/XX/XXXX and as a result could not keep up with my bills. I was summoned to court in XX/XX/XXXX for credit card bill which accumulated interest, penalties and other fees totaling {$10000.00}. Nine ( 9 ) years later after the fact I received a couple of threatening letters letter from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX at my work place threatening to sue me of my property and more court action against me if I do not pay the debt. The case was again brought to court on XX/XX/XXXX and after the hearing the judge issue a verdict in my favor that the case is closed and no discovery is allowed. Please see the attached verdict. 
Two ( 2 ) years later after the verdict I have again received a letter on XX/XX/XXXX from the plaintiff XXXX XXXX, XXXX. The Shatterwhite, Law Firm, P.C / XXXX XXXX, XXXX As Assignee of XXXX harassing me to sue me in court if I do not pay the debt incurred in XX/XX/XXXX even though the case is closed and no discovery is allowed.
Consumer complaint received 2022-08-19
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

I applied for two refinances with XXXX XXXX, and I decided I would go with another lender due to the slow response so I withdrew the loans. I had given my credit card so an appraisal could be ordered BUT when the XXXX called I told him I was not going through with the transaction so he cancelled the order and I also notified XXXX. The Processor called me over 3 weeks ago and confirmed she would confirm when they were going to credit back my credit card since the appraisal was never performed and I have never heard back and I also have left two messages for the XXXX to please contact me back on when I will be getting my appraisal fee refunded and have not heard back. I have two other loans with XXXX from previous refinances but now no one will get back with me on crediting back an appraisal fee of {$720.00} on these ( again never was done, XXXX was told when he called to schedule I was withdrawing the loans so he cancelled the order )
Consumer complaint received 2019-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I have been trying since XXXX XXXX, 2019 to get the second disbursement of my NFIP flood claim funds. My contractor is out of money and we are trying to get back in our home which was destroyed by Hurricane Florence. 
My loan number is XXXX and tracking number XXXX. 
The company is PennyMac, XXXX XXXX XXXX, XXXX XXXX, Ca. 
XXXX and XXXX www.pennymacusa.com
Consumer complaint received 2019-02-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

RE : JPMorgan CHASE Loan # XXXX Case # XXXX FHA Case # XXXX XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager,  Mortgage Assistance Reapplication Review Team, on XX/XX/XXXX @ XXXX. He missed the call he called back ( XXXX ) gets transferred to Mrs. XXXX XXXX She asks him if there have been any changes since ( XX/XX/XXXX ) circumstances. XXXX doesnt have that file or documents pertaining to that request for short sale to answer if there have been any changes that reflect the current request for short sale. 

What I dont understand is why is CHASE deflecting back to their ( XX/XX/XXXX ) decision not addressing my request to answer the SERVICING AND LOSS MITIGATION, FHAs Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), the ( minimum 31 days delinquency ) period and marketability of condemned property. My property is not condemned. 

Mrs. XXXX stated to XXXX that he needed to address and wait on XXXX XXXX return call on any FHA Guideline issues : XXXX XXXX, XXXX, Executive Office Research Specialist, Case # XXXX, this is the same response XXXX got from,  XXXX XXXX , Escalations Case Manager on XX/XX/XXXX, to which my loan per Mrs. XXXX is not under Reapplication Review. 

XXXX asked for her Supervisor she stated XXXX " XXXX XXXX XXXX, was the Supervisor. Ive gone from Case Manager to Relationship Manager to Supervisor, Mortgage Assistance Reapplication Review Team. A listing agreement has been submitted to XXXX XXXX. Will anyone address CHASEs apparent violations? 

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners-Borrowers
Consumer complaint received 2019-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

We took out a loan for a condo in XX/XX/XXXX. In XX/XX/XXXX, our mortgage was sold and we had to send documents ( insurance policies and such ) to the new mortgage company. In XX/XX/XXXX our mortgage was sold again to TIAA. They also requested that we provide documents again relating to the mortgage. We have never had an escrow with this mortgage. We just received our first coupon book which includes an escrow amount from one taxing authority ( county ). It also includes an amount for a shortage in this account ( most likely to provide for a surplus since the account balance is XXXX ). My wife spent 45 minutes on the phone with them being switched to multiple people. I finally got on the phone and told them to correct the statement and send us a written document of what transpired. 

We did not ask for or consent for our mortgage to be resold. I selected our original mortgage company based on review of many options, and I am not happy with having to submit documents each time the mortgage is sold. These companies should make sure that any transition does not affect the consumer, and they should be penalized for errors. I have contacted Congressman XXXX XXXX 's office about the larger issue here - mortgages sold and packaged as derivatives.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Lambert LLC (OH)

I have an outstanding judgement for a credit card debt from XXXX XXXX XXXX. I have been trying to resolve this since I was notified by mail that I was being sued for a judgement. The debt collector is Couch|Lambert. I have repeatedly called and e-mailed. No one ever answers the phone ( I stayed on for 6 hours one time ) or responds to e-mail. I would like to discharge this debt, but am concerned about the inability to communicate with anyone and do not want to pay on-line without assurances of resolution. It feels like the company doesnt actually exist. I contacted the court and XXXX. The court just has Couch|Lambert and XXXX no longer has the debt on their books. This started in XXXX XXXX XXXX I have been trying to contact Couch|Lambert at least monthly since then. I have not received any communication back to repeated e-mails and voice mails. Please advise on the best way to resolve this issue. 

Thanks, XXXX XXXX
Consumer complaint received 2019-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was told by a navient representative that if I made XXXX on time payments and sent in all the proper information that I could get my co-signer released. I've made these on time payments. Last XXXX there were fires in California where I live. I got a message from Navient saying that because of the fires they were giving a disaster relief forbearance. I called them to make sure this wouldn't effect my co-signer release and I'd be able to keep my XXXX consecutive payments with no problems. They assured me it wouldn't effect me negatively. Fast forward to now. I sent them all my tax info, my diploma and proof of citizenship. My XXXX payments have been made and now they're telling me that I do not qualify because last XXXX there was a late payment. My loan history shows nothing of a late payment and this is contradictory to what I was told when I called in to make sure I'd be ok if I accepted the disaster relief. I'm stuck and they are not helping. I've been paying on these loans for 16 years, I just want my co-signer released. Please help
Consumer complaint received 2023-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX XXXX a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services of XXXX MA, has sent a notice of debt from a company I have never dealt with. The cable company does not even do business in my area. I have lived at the same address for over 20 years, so did not recently move leaving unpaid bills. The letter states that if I do not notify them that I dispute this erroneous bill, they will assume this debt is valid. Apparently this company is known for the practice of sending out claims to anyone with a similar name. I have notified them in writing by certified mail that the debt is not mine. ( The cost of a certified letter, return receipt is now {$6.00} ). Credit collection companies should not be allowed to shift their burden of locating debtors to the general public. Their inclusion of a payment slip and return envelope for payment is misleading and deceptive to those who may not recognize the claim for payment is bogus. The debt collection company should be required to send documentation proving the basis or validity of their claim with the letter. For example, if this is a cable bill, state the address where the service was received. Thank you.
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (TX)

I was reviewing Free Credit report today XXXX/XXXX/XXXX and saw a description someone tried to apply for XXXX service. 

XXXX XXXX, XXXX I was in XXXX XXXX, Texas. 
I had just arrived from XXXX XXXX. 

Please clear this up. 

XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to file a formal complaint against Experian regarding their continued verification of multiple accounts on my credit report despite multiple disputes and a previous complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2024 I sent a letter for the XXXX time to Experian and they have updated in my Experian account that the following items were verified. 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 I have diligently followed Experian 's dispute resolution process by submitting detailed documentation and evidence to support my claims of inaccuracies in my credit report. However, Experian has repeatedly verified these disputed accounts without conducting thorough investigations or providing satisfactory resolutions. 
This persistent failure by Experian to address the inaccuracies on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must promptly investigate and correct any inaccuracies in consumer credit reports. 
Despite my efforts to resolve this issue directly with Experian, including filing a complaint with the XXXX, they have failed to provide a satisfactory resolution. I am therefore filing this complaint with the Consumer Financial Protection Bureau in the hope that you will intervene and assist in resolving this matter. 
I request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure that Experian complies with its obligations under the FCRA. Specifically, I request that Experian be required to conduct thorough investigations into the disputed accounts and take immediate steps to correct any inaccuracies in my credit report. 
Additionally, I request that Experian be required to provide me with a written explanation of the actions taken to address these disputes and ensure the accuracy of my credit report within the required timeframe specified by law. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute and hold Experian accountable for its failure to comply with the FCRA.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-02-15
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: Experian Information Solutions Inc. (MO)

Requested validation of debt from Experian credit bureau and was advised by 1 representatives, lets say my name is XX/XX/XXXX a supervisor XXXX that the information was verified but they could not provide proof of the debt. I asked for removal of the creditor, XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX   and was denied. If validation of the debt can not be provided, I request removal of the inquiries.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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