davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I recently reapplied for mortgage assistance this month. I was denied because Chase said that I was offered 2 trial payments, which I did not accept. First, I made and completed the trial payment of {$500.00} during XXXX to XXXX. I was told that I would be locked in at that payment. However, every time I called Chase I was told to reapply and reapply and that documents were missing. This nonsense went on for some time. Over the years, I have been wrongfully denied modifications. After I contacted Consumer Financial i believe in XXXX, Chase fictiously created a trial payment plan to cover their tracks. In XXXX, I think, I was given an outrageous modification plan that I could not afford. Around XXXX of this year, my relationship manager, XXXX XXXX, told me to reapply with my new income since I was now working. I was denied this month and I called to speak with the ReApp team. One guy told me that the investor which was FHA said no to the modification request. I asked him for a contact number so I could speak with someone directly. He gave me the number on the Website, which doesn't offer any information. After having to research a number on my own, I spoke with a rep from the Service Center. I told him that I would like options to leave the house and I was told by the lender to speak with FHA because Chase indicated that FHA made the deciding decision. The FHA representative told me to call Chase back and ask for them to consider me for options that involve leaving the home such as short sale and deed in lieu. The rep also said I should consider selling the home myself. When I called back, I was told that since I was recently denied this month and no change in circumstances, I don't qualify for a new application. I tried to tell her that FHA said to consider me for other options. I was then transferred to Escalation Team who reached out again on my behalf. The decision was the same. As I stated in numerous complaints against Chase, Chase has lied many times over. Now, Chase is using a fictious trial payment against me. I completed 1 trial payment successfully. I think I deserve an extension of my foreclosure so that I can explore short sale or deed in lieu. I would like to leave this property.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NM)

I am a XXXX veteran, I have been XXXX XXXX since XXXX. I went to school back in XXXX. I applied for student loans and was given student loans by the department of education. I finished and graduated. I was contacted by a student loan provider to make payment on my student loans. No problem I made my payments from roughly XXXX until currently. I was never late. Kept everything current. I was contacted in XX/XX/XXXX by my student loan provider ( Nelnet ) that I may be eligible for XXXX ( XXXX XXXX XXXXXXXX ). In XX/XX/XXXX I filed the paper work. On XX/XX/XXXX, I was awarded XXXX. Because I was permanently XXXX before I went to school I was informed that the current balance would be forgiven as well as repayment of all the payments I had previously made. I contacted Nelnet, they stated yes I was to be repaid all of my payments but there was no time table for when that was going to happen. I waited. I have not received anything, nor been contacted. It has been 40+ days since I was awarded XXXX. I recalled Nelnet. They informed me I needed to talk to the department of Education. I called them they redirected me back to Nelnet. And they stated they do owe me my payments ( $ 15,000+ ) but they did not have a time frame of when they will repay that. This is ridiculous!!!. If I owed them money I have interest, late fees, and it affects my credit rating. But when they owe you money their is no recourse.
Consumer complaint received 2018-08-23
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. (CA)

Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- Experian , XXXX and XXXX XXXX .
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit & Collection, Inc. (IL)

I went to XXXX hospital around XX/XX/XXXX. After receiving treatment and leaving the hospital. I provided the hospital with my medical insurance information. After about a full year later I received a letter attempting to collect a debt from said emergency room visit. Attached to the letter was a voucher where you input your insurance information and send it to the hospital for manual processing. I completed the form and submitted it to the hospital ( on TWO separate occasions via USPS business reply mail ) About 12 months ago was the last time I sent a written business reply including my health insurance policy for the billing dept to bill my health insurance so they have had AMPLE time to process the request. Their department is now criminally negligent. 

I called the XXXX XXXX XXXX ( in two separate quarters of XXXX, Q2 & Q3 ) and provided them VERBALLY in addition to, in writing, my insurance information, TWICE, over the phone with a customer service representative who stated that I was on a recorded line and she was representing the credit department at XXXX XXXX XXXX. I was verbally informed, TWICE, that the insurance company would be billed for the visit to the Emergency room. 

After contacting my insurance company to identify if there was a clerical error in paying out to the hospital I was informed that the hospital NEVER FILED AN INSURANCE CLAIM with my carrier XXXX insurance. Nor did I authorize a company name XXXX XXXX XXXX to operate on my physical person. I authorized XXXX XXXX to provide me with emergency care after an incident and they have clearly failed me as they must be failing other patients in a similar fashion. 

After they attempted last month to file this collection account I filed a separate CFPB complaint with the original creditor that they attempted to fool into pursuing this debt. The previous debt collector immediately dropped the case. I also filed complaints at the state level, and I filed consumer complaints on XXXX and social media. The hospital has not reached out to me with a comment or to resolve the issue. I retain audio recordings of my conversations with customer service reps where I provided them my insurance information for the final time.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Tried to obtain report after credit denial.Equifax online services led me to print what was titled Equifax Credit File which was more advertisement for their credit score service rather than my report. Apparently my access to the report was timed out before I realized this wasnt my report at all. Customer service is a hamster wheel via online or telephone. I started an online chat today XX/XX/18 with customer service agent XXXX whos service provided me with a link back to the hamster wheel, then ended the chat. I thought I was entitled to a mailed copy my report should I be denied credit. Thank you for any help you may be in this matter.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2018, an ACH debit of {$10.00} was presented to my account. With a balance of {$1.00}, it was denied and subject to overdraft fee of {$29.00}. Then on XX/XX/2018, a deposit of {$210.00} was credited to the account and the overdraft fee was posted ( {$29.00} ). Now on XX/XX/2018, I reached out to customer service via email to reverse/waive the overdraft fee ( {$29.00} ),  because to change me {$19.00} more then the original overdraft ( that was denied ) was extreme for such a small amount of the denied overdraft. I'd like for the fee to be reversed /waived, so that I can continue my banking relationship.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There are numerous errors on Experian Report XXXX we have been attempting to correct since XXXX. Below are the contact dates. These errors were corrected easily with XXXX and XXXX. 

Experian Contact Date of request ( s ) from Experian Website, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Text below is from the most recent letter sent XX/XX/XXXX. Along with this letter, images of proof of payment were provided. As of right now, it is impossible to talk to a living person at Experian for assistance. 

XX/XX/XXXX To : Experian Re : Inaccuracies on Credit Report XXXX From : XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX Please correct the following errors on my Credit report. I have attempted uploads of the attached files online on XX/XX/XXXX and received confirmation of the upload. 
On XX/XX/XXXX received an email indicating the investigation was complete but the account info was not updated. 
I followed up with a phone call to XXXX from XXXX XXXX on XX/XX/XXXX. She asked that the files be uploaded again but could not access the uploaded files. I am mailing hardcopies since the online system does not work. The attached proof of payment is irrefutable. These inaccuracies were corrected with minimal effort with the other two credit bureaus months ago. 
A hardcopy of this letter will be sent certified mail with return receipt. I will file a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX if these are not corrected promptly. Please contact me at XXXX or email XXXX with any questions. 

Please correct the 4 errors that follow. 

Proof of Identity attached : Image of NY state drivers license. 
Bank records. 





Error 1. XXXX XXXX account XXXX, XXXX opened XX/XX/XXXX was paid in full on XX/XX/XXXX. The Experian report still shows a balance of Error 2. XXXX XXXX, acct # XXXX date opened XX/XX/XXXX, was paid in full XX/XX/XXXX Error 3. XXXX XXXX XXXX, acct XXXX, opened XX/XX/XXXX, was paid in full XX/XX/XXXX. 











Error 4 XXXX XXXX XXXX, acct XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, paid in full with check dated XX/XX/XXXX. Acknowledged as such by creditor in letter dated XX/XX/XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been in the process of correcting my credit for the past year. I opened an account with Experian paying $ XXXX per month each for both my husband and myself in an effort to stay current with the information as it is reported. I got my credit from XXXX up to XXXX and I have been very attentive. On XX/XX/XXXX, I canceled the subscription with Experian and received an email of confirmation. By XX/XX/XXXX, my credit score went down with them to XXXX with no reported incident. I keep everything, I mean EVERYTHING paid either on time or ahead of time. I called experian and the representative could see where my credit score went up to XXXX, but couldn't see anything else. Which I do not believe, because if she could see where it had consistantly gone up, up to that point, why couldn't she see the XXXX. I have screen shots of my credit score with them at that XXXX. My husbands is down to XXXX in that same time period. It seems that they are penalizing me for stopping their service. I would like a full investigation and a response.
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (NJ)

So I was having struggling to make payments as usually winter months I don't make as much due to my profession. I informed Upgrade regarding this and asked for some help or deferment of some kind. They informed me that there was but just to do it online which I did. I set up it up back in Late December I believe for both credit lines. I always had auto pay set up so I didn't think there would be a problem with that. 2 months ago by and I get a call from upgrade saying no payments have been made. I was unaware of this and found out through the rep that auto pay was not turned on during deferment I needed to make a payment manually. Also I was not notified I was late or calls made to me at all After this they sent me email about settling both accounts. Gave me different options and had a deadlineby XX/XX/XXXX to answer. I call about week ago from today ( XX/XX/21 ) and ask about this and if I can talk about a lower settlement at least with 12 months payments. A lady then a manager who is a younger guy both proceed to tell me that I do NOT qualify for settlement just yet. One account needs to full go into charge off at 120 days late and another needs to go 90 days late. Making my credit even worse, So not only because auto pay was not set up making me miss payments and was not notified I was missing payments or calls NOTHING, but settlement offers I'm getting I don't qualify and need to wait longer to settle. Deadline is XX/XX/XXXX for them. Essentially I have to wait til XX/XX/XXXX to do something on both accounts. I also got another email after this call with another settlement offer. 

I did not want to do this but I am not happy about this process and would like a better and immediate resolution to this.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Yesterday, my XXXX  Mastercard ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. A police officer returned it after it was recovered in a stolen car and returned it to me. I then reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about 20 minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least 2-3 times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As I recall, the last purchase I made on this card was for a XXXX membership in the amount of {$120.00}. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/2018 I called Experian and spoke with XXXX and noticed they added somebody else 's address on my credit report today, I do not live in that state and was told it would take 30 days to remove. 

I was told by XXXX that this address was added yesterday and i should have received an alert. I did not receive an alert ... .This address did not appear yesterday only today. If i'm in North Carolina how could i be in Florida at the same time? 

XXXX would not provide me any information about that address, so i am left in the dark.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I am submitting " Special Payments '' to be applied to Principal. Navient is pulling 30 % of each payment for interest. I really thought this would stop after the Law Suits I heard were filed. But it hasn't stopped and when I call them, I am told that I don't understand. no, I sure don't understand how payments can be current and these amounts of Interest can be pulled from a principal payment that is marked exactly how they request it be marked.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is a follow up to complaint IDs XXXX and XXXX. 

No sooner than I completed filling out this complaint, the company called me back on XX/XX/18 at XXXX and left another message saying I am about to be served with papers. I called them and told them of their error ( please see previous complaints ) but they told me that I am the right person and the numbers will not be removed. I begged the woman to look at the account because the last person I spoke with said there were notes on the account stating that my number was removed, the phone number for my mother ( who is a XXXX patient ) was also removed, and the ssn was wrong. She said the social is right, it's my account, and refused to look at the notes and hung up on me. 

This company states they will continue to call me and all numbers for skiptracing of me. Even though they don't have to " look '' for me because I am actively trying to work with them to straighten this out.