davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (TX)

XXXX XXXX  opened XX/XX/XXXX amount {$7400.00} -FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX  XXXX opened XX/XX/XXXX amount {$320.00} - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hi my name is XXXX XXXX and I just recently opened a Chase banking account and was excited about it! I received my ATM card I was using it for deposits everything was good and then I get a letter saying that chase is closing my account because they found out that I live in a hotel! I explained to them that I'm a resident of the hotel and that's I'm getting housing next month and I will have a different address for them but they still wouldn't accept that I live in a hotel even though I had a written form saying that I'm a resident at my hotel and my manager signed it they said that they needed it witnessed and my manager needed to go down to the bank! I don't know any managers of the hotel that are willing to do that for anybody! I just feel I was discriminated upon and that it's wrong I'm going to close my account all because I live in a hotel!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I believe my loan is direct ( Sent Straight to XXXX XXXX XXXX XXXX ) but im a little confused. Payment kept going up and changing. The rate a was n't ever the same. I called and they " fixed '' It but I still do n't seem to be making a dent. I 've paid a significant amount in six months and probably only got XXXX off my loan. Not sure what to do.
Consumer complaint received 2019-06-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (GA)

I took out a 2nd Mortgage on my house on XX/XX/XXXX, through XXXX XXXX , XXXX Later it was sold to XXXX XXXX XXXX , XXXX XXXX , then to Real Time Resolutions, who currently holds this loan. The original amount loaned to me was {$15000.00}. After paying on this loan for 14 years now, I still owe {$12000.00}. 

I called XXXX XXXX ( XXXX ) on XX/XX/XXXX, and spoke to XXXX XXXX. I told him of my issue, requested an amortization schedule showing how my balance is still so high ; he stated that he would have someone call me within 30 days. 

I never received any sort of response from my first phone call. My 2nd phone call was made on XX/XX/XXXX. I again reached and spoke to XXXX XXXX. He says the loan boarding department reviewed my account and that their figures are correct. I again requested an amortization schedule or any other document that will show me how my payments have been applied and why my balance is still so high. XXXX stated that he would " escalate '' my issue and that I would be contacted within 10 days. 

Over 4 months later, XX/XX/XXXX, I STILL HAVE RECEIVED NO RESPONSE in regards to my requests. I called today and spoke with XXXX XXXX. He was beyond rude, talked over me repeatedly, then advised that I did not " correctly state my request in my two previous phone calls ''. He also stated that his notes show that my loan, which was set to be paid in full as of XX/XX/XXXX, would not be anywhere near being paid off. He told me that he would request a document showing how my payments have been applied, but followed up with " but I can not confirm that you'll actually get such document ''. 

I have been paying on this loan for over 14 years at {$210.00} per month and per Real Time Resolutions, I have only paid off a total of {$2500.00}. I would like to know where my money has been posted and how I could still owe so much. I did contact the original loan holder, XXXX XXXX, and since they'd sold the loan years ago, they were not able to help me. 

I appreciate any assistance you can give as I feel I am NEVER going to get out from under this debt. 

Kind regards, XXXX XXXX
Consumer complaint received 2020-12-18
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. (FL)

XXXX and Experian have continuous ly put wrong error on credit reports even after sufficient evidence was provided to remove grom file. XXXX XXXX and XXXX XXXX XXXX submitted b as f document through courts which caused a lot of problems for me and my family. XXXX XXXX XXXX and XXXX finance agreed to remove from court documents and credit report. Ive also sent court documents to experian and XXXX but they have failed to remove
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CO)

About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this matter.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I called earlier, because I am missing points and was charged excessive fees. When I spoke to the agents, they would not listen and transfer me. When I called back, I asked for a supervisor. The male agent who answered the phone was incredibly rude and refused to transfer me an agent. He transferred me back to the main line before repeatedly refusing to allow me to speak with a supervisor to resolve the issues. He was incredibly difficult to understand and speak with. So I am hoping to get alternate help to resolve the issues
Consumer complaint received 2019-04-12
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. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1.XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation (LA)

I do not owe the amount TeleRecovery is trying to collect on behalf of XXXX XXXX XXXX. My lease was up XX/XX/XXXX-- I moved in on XX/XX/XXXX, moved out on XX/XX/XXXXdue to circumstances beyond my control ( I LOST MY JOB ) ... So if I moved out with 1 month remaining, how do I owe {$2.00}? No where in the contract/lease does it state " if lease is broken you are still responsible to pay '' send me proof of that. I am also requesting proper verification and breakdown of this you are claiming that I owe, a bunch of numbers scribbled on paper is not a breakdown of charges.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Loan # XXXX I submitted forbearance package 4 time. The 4th time I had to get a supervisor on the recoded line who confirmed they had all my information and if anything was needed i would get a call. This was around the XXXX of XXXX when I made my payment. On XX/XX/XXXX I recieved a letter dated XX/XX/XXXX that I submitted an incomplete package, and my loan was closed. When I called back, they told me my loan was sold and there was nothing they could do about it. I had to request goodbye letter and I have not received the welcome letter from the other servicer My entire issue started with Covid and all we were asking is for the balance 3 months to be moved to the back of the loan or payment arrangements.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry SPV, llc and attorney XXXX XXXX XXXX delivered lawsuit paperwork to my building and left it at the front desk for all employees to read. It was not enclosed in an envelope or folder. All details were exposed to several people where I live. 
Paperwork left on XX/XX/2019 

Front page clearly showed a XXXX XXXX  woth my name. 

This is a violation of my privacy.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX Bank of America took over {$1100.00} out of my account with no notice in any way by allowing someone named XXXX XXXX to make fraudulent XXXX claims that he didn't make transfers to my account in XXXX XXXX. This almost caused me to get evicted. Bank of America also made it extremely difficult ( over 10 hours on phone in 1 week ) telling me non stop that I will not get my money back, finally someone allowed me to send in text message proof. This person ( XXXX XXXX ) made claims of over $ XXXX between myself and 2 other people due to him losing his job and essentially making tons of false claims to try to get as much money as possible. I luckily had text message proof that I provided to get my funds back. Once I received my funds, weeks later in XX/XX/XXXX my account was frozen for 5 days around XX/XX/XXXX leaving me stranded with NO MONEY also causing tons of NSF/Returns from outside merchants. One in particular was my XXXXXXXX XXXX XXXX XXXX. It was closed due to returned payments bc of Bank of America 's negligence. I have requested time and time again proof that XXXX requested from Bank of America and they still ignore my requests and refuse to assist.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines.
Consumer complaint received 2024-02-10
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. (IL)

i I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC (IL)

Over the past year I have received various non stop calls, even after telling them to please stop contacting me via telephone. They keep callinf from different numbers. 
the debt that they are trying to collect has been removed from my CR due to XXXX violation.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, XX/XX/XXXX, around XXXXXXXX XXXX PDT a charge for {$10.00} appeared on my Bank of America credit card from XXXX XXXX. Ive been on hold with Bank of America for over 35 minutes and they have not answered. 

There was also a {$1.00} charge and reverse from XXXX XXXX XXXX. 

There are reports of both of these companies for fraud scams starting around XXXX.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BELMONT FINANCE LLC (CT)

On XX/XX/XXXX, I called XXXX to discuss paying off my account after several calls before this day 's call. XXXX XXXX XXXX  their rep ( XXXX ) began a text conversation only to acknowledge the debt was approaching past due status. I proceeded to state I was aware and that unless I could get an amount of payoff the contract should cease. I ended the discussion because she could not provide a payoff amount. Later that day ( XX/XX/XXXX ) another rep ( XXXX XXXX began texting that Belmont is only the finance company for XXXX. Preceded to redirect me to contact XXXX about any issues. Noted that at this point I had made autopayments for the past 6 months. Long story short, XXXX presented an offer by asking me to pay {$3000.00} ( original debt ) which I turned down but agreed to the final payment of {$2500.00} as payment in full. An email confirmation was to follow with a letter from Belmont stating paid in full. He agreed but once payment was processed. XXXX was immediately processed but no email confirmation. Called and texted but no response from XXXX. Called Belmont and supposedly got his XXXX XXXX who refused to acknowledge the payment in full but emailed the payment confirmation. Next, the credit reporting repeatedly stated nonpayment, delinquent and past due balance, and hard credit inquiries dropping my credit XXXX XXXX. I did a review and they made a correction but then returned to reporting past due balance closed account and derogatory payment history 3 times in a day on XX/XX/XXXX and continued as recently as XX/XX/XXXX.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (VA)

We received a letter, dated XXXX, from CMG stating that we met the requirements for removal of Private Mortgage Insurance. We then received a lette from CMG, dated XXXX stating that due to the recent cancellation of our Mortgage Insurance policy, attached to this letter is a check in the amount of {$97.00} which represents a refund of an unused premium from our MI company. On XXXX we deposited that check. On XXXX our bank reversed the deposit of {$97.00} calling it a deposited item returned. Our bank also charged us {$20.00} for a Returned Deposited Item Fee. 

We then received a letter from CMG, dated XXXX, stating that due to the recent cancellation of our Mortgage Insurance policy, attached to this letter is a check in the amount of {$41.00} which represents a refund of an unused premium from our MI company. We have not deposited that check pending the resolution of this complaint. 

We then received a letter, dated XXXX, from our bank with a detailed listing of the returned check for {$97.00} and the {$20.00} return fee charged to our account. 

On XXXX, i called CMG Customer Service and talked to XXXX. He told me that there had been a Technical Error requiring CMG to stop payment of the {$97.00} check and the subsequent reissuing of the refund check for {$41.00}. XXXX said that CMG would not refund to me the {$20.00} fee from the bank when CMG stopped payment. He suggested that I ask the bank to refund the {$20.00}.
Consumer complaint received 2019-08-29
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. (NY)

XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC (MD)

Good Afternoon, I graduated from  XXXX   XXXX  in      XXXX   2 011    . About 6 months to a year afterwards I start receiving calls from a company called  XXXX  ' who at the time I thought was a branch of  XXXX  or  XXXX   XXXX   . I   may  have given them some  XXXX  which led me to call the  XXXX  all to be advised that they were a separate entity.     I need support due to the fact that I never authorized  XXXX   XXXX  to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private.      XXXX   XXXX  reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process.     I would have Never taken out private loans.  XXXX   XXXX  as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.
Consumer complaint received 2022-01-08
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. (OH)

This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXX & XXXX # XXXX
Consumer complaint received 2022-09-02
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items. which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.