davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (IL)

Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've have yet to hear back from the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (OR)

Due to a financial hardship ranging from early XXXX to XXXX, I fell behind on my mortgage payments. I worked with the mortgage company and they gave us a new payment amount. We signed a contract and took all the steps required. Even started making payments. But then the mortgage company said that we couldnt have that payment anymore and stopped excepting payments. We have been struggling to get them to communicate with us and they put our house in foreclosure.Im in the process of resolving that with them getting a new payment contract setup, but they keep telling me they cant find the documents I sent in. Multiple times.had to restart repeatedly and all the while falling deeper in debt, even though I can make the payments now. It seems they are purposely trying to take our house.
Consumer complaint received 2022-07-09
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. (TX)

This is reported with inaccuracies. It's been reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence. I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. This is an inaccurate address. 

According to the Fair Credit Report Address : XXXX XXXX XXXX XXXX TX XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 








XXXX XXXX XXXX XXXX TX XXXX XXXX Single family XXXX
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

I am about to go the 30 days late on my loan and I have made several attempts to ask the institution to honor deferred extension due to natural disaster but they somehow expect Me to pay them Before they can assist me with the extension whereas if I was able I would need no extension.. 

The destruction due to recent wildfires in California has impacted the lives of many of our account holders. If you have been personally affected and are interested in assistance with your Mercedes-Benz Financial Services account, please call us at XXXX. 

I am in XXXX California and we qualify for this help but they want us to pay to get the help and thats just not possible under these circumstances..
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (TX)

I contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (WI)

I seen this debt on my credit reports and previously disputed it because I had no idea what it was. A few years later, I pulled my credit report and seen it was still on there. I disputed it again with the credit bureaus and also sent a letter to National Credit Adjusters asking them to prove the validity of this debt. They mailed me the original contract that was electronically signed, however this wasn't me. I sent a second letter explaining that my previous name was involved in a data breach with XXXX and requested proof of identity when this loan was originated ( i.e. copy of drivers license, etc ). The date this contract was signed ( XX/XX/2018 ), I was married, had a different last name, and never resided at the address that is stated on their paperwork. This collection is reporting negatively on my credit reports, claiming that I owe {$1100.00} for a debt that I never took out.
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: EQUIFAX, INC. (PA)

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXXXXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

On XX/XX/18 I paid XXXX in full for my student loans. XXXX refuses to report or update Experian that I paid my student loans in full. XXXX still reports that I haven't paid my student loans in full and Experian continues to display the outdated information in my credit file for profit. I disputed the information but I never got a decision from Experian and now Experian refuses to let me dispute anything in my credit file. Also Experian never sent me a " frivolous dispute '' notice. Presently when I contact Experian the Reps hang up in my face preventing me from disputing or asking for my credit report.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Financial (TX)

On Friday XX/XX/XXXX I received a call from a person named XXXX with a company called XXXX XXXX. He stated he was trying to serve me and I had waived all my rights and needed to inform me that the following day I would be serviced between XXXX and XXXX. Never happened. He called agian on Monday XX/XX/XXXX. I soon determined that this was tied to a company called American Credit Financial. Their numbers are XXXX & XXXX. I was told my Claim Number was XXXX. Upon calling this place I was quickly transferred to a XXXX XXXX to which informed me she had a case against my social security number from XXXX XXXX ( I figured out is now owned by XXXX. She told me I had broken federal banking laws. Then transferred me to a XXXX XXXX or something like that. He proceeded to tell me that he was processing a claim against me for XXXX XXXX. I explained to him that this had bee discharged in a XXXX Chapter XXXX. He then told me he needed my attorney number and because I didn't have it on me would tell the client that I was not making any arrangements and would move forward. Then he disconnected the call. I contacted XXXX ( XXXX XXXX ) only to be told they do not associated with this company and have no record of dealing with them. To me this sounds like a SCAM! 

I just want them stopped. 

XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (NY)

I was called by Quicken loans because I had used their mortgage calculator online. I told them I couldn't talk because I was busy with my daughters, they asked when I could talk, we agreed on a time, they continued to question me, I informed them I was just playing around with numbers, I was not sure if I wanted to buy a house, and if I did it wasn't going to be for at least 6 months. They asked for my social security number, I asked if they were doing an application, they said no, I gave them my number, and within an hour or so I got a notification that they had approved me from a loan, and one from XXXX   saying that I had a new hard inquiry. They did not have my permission to pull my credit report.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OK)

I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
Consumer complaint received 2018-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My then husband and I applied for and received a line of credit/second mortgage. At the time of our dissolution, he agreed to and was then ordered by the Court through our Marital Settlement Agreement to pay the first and second mortgages. In XXXX, he and I tried to modify said second mortgage. During that time of waiting for the modification, my ex-husband became delinquent in the payments and the house fell into foreclosure. At no time did Chase notify me that the payments were delinquent. I was not notified of the foreclosure and only heard about it on the day the house was sold at foreclosure. The ONLY reason I knew that a foreclosure sale was happening is when a man knocked on my front door and asked to do a quick walk through 30 minutes prior to the sale. I subsequently learned that a second mortgage foreclosure sale in not reversible in California. 

On or about XX/XX/XXXX, my ex-husband received a letter and check from Chase. A copy of which I am attaching to this complaint. 

I have tried to contact Chase to discuss this but was told that because I was not on the account, they would not talk to me. I am on the Deed of Trust, a copy of which I also enclose. 

I believe that Chase had a duty to notify me that the payments were delinquent AND that a foreclosure sale was eminent. They did neither. 

When I was forced to move I incurred hotel room rental, moving, and storage expenses. Because I was only receiving Social Security XXXX at that time, I had to borrow money to pay for all of the above from family and friends. I am still working to repay those personal loans.
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (TX)

I had repairs completed on a vehicle and was approved for financing through XXXX XXXX. I was told that the initial payment of {$40.00} was due at the time of signing, which was paid. The agreement signed for their company also indicates that this {$40.00} as in initial payment. However, the payment amount of {$40.00} was not deducted from the total amount due. When contacted, the company states this was an application fee. However, there is no documentation or notification that this was an application fee that would not be a payment deducted from the amount due. The company refuses to deduct this {$40.00} from the total amount due. On review of their website under FAQ, question XXXX asks about an application fee and the company response is " At the time of application, a small hold ... will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released. '' No indication of any application fee.
Consumer complaint received 2018-08-23
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: JPMORGAN CHASE & CO. (CA)

This is in regards to a dispute for {$700.00} with the merchant " XXXX XXXX XXXX '' on my Chase Freedom Unlimited card. I brought my dog in to this merchant for XXXX XXXX and, ultimately, this merchant was negligent and caused my dog to get a 106 degree deadly fever. Full verification from a licensed and practicing veterinarian can be found with the documentation attached to this complaint. A full explanation regarding this incident can also be found within the attached documentation included with this complaint.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit card does not pay off the higher APR when you make a credit card payment. So a {$900.00} cash out transaction I got 10 years ago has accrued interest to where my entire credit card balance is now considered all cash out at an APR of 26 %!!
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (CA)

In XXXX of XXXX my husband ( XXXX XXXX XXXX and I filed for bankruptcy. We did NOT include our auto loans with Consumer financial and XXXX XXXX in that bankruptcy and payments to both lenders were made outside of our trustee payments directly to the lender. Both loans have been paid in full as of XX/XX/XXXX. We have received both payoff letters and the titles for both vehicles. However, both lenders topped reporting our payments to our credit in XX/XX/XXXX and both lenders have our status listed as " Debt included in or discharged through bankruptcy XXXX XXXX ''. Neither of which is true. When I reached out to XXXX portfolio, they stated that even though the loan was not included and was paid in full, they report it that way because we filed. They refused to update that the account was PAID. When I reached out to XXXX XXXX, they informed me that they had purged our account from their database and therefore could not help me but also stated that they didn't see that the account was 'discharged ' but could not view any other account details. They also refused to update our credit report. This is creating credit issues for us because not only did they stop reporting to our credit in XXXX, which prevents our credit score from improving, but also show that the loans were XXXX. The entire purpose of us not including them in our bankruptcy was to try and preserve our credit by continuing to pay the loans as agreed which we did. Not only did we pay as agreed, but we paid the loans of EARLY! Attached are our bankruptcy docs showing that the loans were NOT included, the payoff letters from both companies, and how they are currently showing on our credit reports. We need to get these updated to be ACCURATE because to lenders, it looks as though we did not pay off these loans and can not get a new car loan because of this.
Consumer complaint received 2022-07-09
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. (MO)

Experian says they are looking for an agent to conduct an investigation, but no agent contacts me, and I have called several times. I know the errors and can save the agent a lot of time. Basically I believe I am either a victim of identity theft, fraud or Experian has my report mixed up with someone else. They don't even have XXXX of the XXXX of my real creditors, but they do have a lot of creditors that are not mine and are never paid. 

I have a XXXX Relations Dispute Reference Number and case number, but I want to talk to or communicate to a real person.
Consumer complaint received 2022-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I opened up a dispute with Capital One against XXXX XXXX XXXX in the amount of {$2900.00} for a piece of furniture that was never delivered. The company has no proof of delivery, nor signature. Moreover, Capital One is denying my request for the chargeback. Capital one has offered no reason as to why they are denying the request. I have called them multiple times and have not gotten any resolution. I have submitted all the paperwork in a timely matter for review.
Consumer complaint received 2018-08-23
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. (PA)

Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my EXPERIAN, XXXX XXXX & XXXX  credit reports. ECPERIAN, XXXX XXXX & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, EXPERIAN, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (TX)

To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XX/XX/XXXXat a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XX/XX/XXXX/XX/XX/XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my  Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( 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 ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX