davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
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: JPMORGAN CHASE & CO. (CA)

I am writing this notice regarding a 30-day late payment that Chase Bank is reporting on my XXXX XXXX  and XXXX  credit report for the month ofXX/XX/XXXXXX/XX/XXXX. This is truly sad that I must use the services of CFPB to assist me with with an issue that I am having with Chase Bank, however after speaking with them numerous times, and written them they are not truly understanding the real story of my dispute. OnXX/XX/XXXXXX/XX/XXXX my mother lost her house due to the California Wildfires that occurred throughout the months of XX/XX/XXXX throughXX/XX/XXXX throughout the entire State of California.

I live 50 miles XXXX of the City of XXXX XXXX and had to drop everything I was doing to comfort my mother as she witnessed her house that she lived in for the past 37 years burn to the ground. I have no siblings and lost my father at the age of XXXX.

If you could only imagine dropping all your responsibilities to be with your loved ones in the time of absolute need and forgetting about everything as reality stares you in the face.

At the time of consoling my mother I did not think for a moment about my finances, employment, my wellbeing. The only thing that was important was my mother, her health and all her lost possessions completely destroyed in the fire. I stayed in the XXXX XXXX XXXX XXXX for a week forecasting the future for my mother, her displacement, medical needs and everything else an XXXX year old XXXX mother must due on day to day basis.

When I had learned about the 30 day late payment that Chase was reporting to the credit bureaus I panicked and immediately phoned and wrote them the attached letter which to this day they still have not responded to. The representative I spoke with could care less about my personal situation, my mother or even the wildfires that distroyed hundreds of homes. The representative went on to tell me Chase Bank is following the law and if I had automatic monthly payment set up this would not have happened.

I have worked extremely hard to maintain an excellent FICO credit score, I work hard and take care of all my responsibilities and live a normal life. I am shocked and appalled that Chase Bank is taking this position to report the 30-day late payment which is now costing my several thousands of dollars in interest as I attempt to purchase my first home and the lender will not give me the interest rate that was agreed to prior to the 30-day late payment being reported.

I am happy to say my mother survived the fires, however she is scarred for life of all the wonderful memories she had living in her house. She is now residing in an XXXX XXXX XXXX and will remain there as there is no need for her to rebuild.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Medical Business Bureau (IL)

This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and XXXX .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. XXXX refuses to delete it. The collection company has sent me a draft that they sent to XXXX to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later
Consumer complaint received 2017-03-04
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Nelnet, Inc. (CA)

My past students loans were all discharged and I have it in writing by the US Dept of Education/Nelnet XXXX unit. Yet they are harassing me demanding I pay the student loans in full and threatening to garnish my wages. US Dept Education XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (CA)

I am writing to dispute the following information in my credit files under Fair Credit Reporting Act. The items have been on my credit reports for more than XXXX ( XXXX ) years. GINNY 'S INCXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX tell : ( XXXX ) XXXX, Please investigate these matters and delete the disputed item as soon as possible.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I submitted a dispute with XXXX, due to an incorrect payment status with Carrington Mortgage Company ; however the dispute was completed and the status still reflects " At Least 120 days or more than four payments past due '', which is still not correct. The mortgage was included in an active Chapter XXXX bankruptcy, and the house was sold in XX/XX/2018 & the mortgage was paid-off. The credit reports for XXXX   & XXXX correctly reflect the status of the mortgage.
Consumer complaint received 2018-05-21
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. (IN)

I have contacted XXXX  in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.
Consumer complaint received 2015-05-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX, XXXX I paid off the mortgage and the check was made payable to XXXX XXXX XXXX XXXX. I have researched the property in the XXXX XXXX XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX, and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that in XXXX, XXXX XXXX and XXXX XXXX XXXX merged, and the mortgage company was renamed XXXX XXXX XXXX Mortgage. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX ) and they stated the following : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is not part of the XXXX XXXX XXXX, XXXX. XXXX. It was acquired by XXXX XXXX XXXX , XXXX which was acquired by Chase Manhattan. Chase Home Finance is handling those loans now. ( XXXX ) XXXX. 

So I contacted Chase, and XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Email : XXXXXXXXXXXX ), the XXXX in the Lien Release Customer Research for Chase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that he reviewed the request provided for a release of lien on the XXXX loan for XXXX. The servicing company listed is a company that Chase can sign for. However, in order to process a release for this loan I do need some additional information. Since the loan was never assigned, the memo note giving the check number and amount paid is not enough to move forward on this matter. Please provide a copy of this cancelled check or a paid in full letter to confirm the receipt of payment. 

Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX Bank checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX Bank was acquired and is no longer in existence today.
Consumer complaint received 2023-06-13
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. (OK)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

I received a letter from Suntrust, now Truist Mortgage. My original loan was with XXXX XXXX XXXX do not have an escrow account. I pay my own taxes and insurance every year on my own. SunTrust/Truist sent me a letter in XXXX, 2022 stating that they would be force placing insurance on my account in the amount of {$860.00}. I contacted Truist mutliple times in order to email my declaration page as proof of insurance. The email provided to me by the customer service representatives was incorrect, therefore they did not receive my declaration page. On XX/XX/2022, I contacted Truist again and stayed on the line until they verified they received my email. On XX/XX/2022, I received confirmation that they removed the {$860.00} from the force placed escrow account and acknowledged that I did not owe the money. On XX/XX/2022, Truist took not only my mortgage payment, but the {$860.00} in force placed insurance. This is the second time I have had a mortgage service company attempt to force place insurance on me. This is a major theft on the mortgage consumer. The companies force place these inflated insurance premiums, take our money, and create financial stress on the consumer. I have had to spend a significant amount of time in order to rectify this situation that was created by the mortgage servicing company. In the meantime, they have been sitting on my money, stealing the float and making millions of dollars off of this practice. This strips the consumer of valueable time and interest on our own money. This happens year after year. We are talking about 100 's of millions in stolen money and float that belongs to the consumer and mortgagor. It is theft plain and simple. There is multiple trillions in mortgage debt. The practice of force placed inflated insurance creates chaos for the consumer. There needs to be a deep and complete audit of this criminal practice. In addition to receiving my {$860.00} back, I want treble damages to compensate me for my time, lack of use of my money and all the chaos it has caused. Even when the mortgage company acknowledges the mistake, they take weeks to refund the money. Slick process for them, highway robbery for the consumer.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (NJ)

When I was first contacted by the collection company I responded within the 30 days to verify the debt I also asked to stop the phone calls that were repeat it every day seven or eight times a day. After they received the notice I did not receive validation to show that they owned the debt. The repeatedly called using different numbers and when I answered they would hang up. Under the fair debt collection practices act what they have done is harassment and this is why I am filing a complaint. Also after sending them a debt validation letter they did not remove anything from my credit report.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I filed a complaint with the CFPB about Equifax, complaint number XXXX. Equifax finally sent a free copy of my credit report, which I originally requested on XX/XX/XXXX. Then the CFPB just closed the case, without any input from me whatsoever about its resolution. 

I have asked Equifax multiple times not to print my social security number in full on my credit report, but they did it again anyway. In a letter dated XX/XX/XXXX, Equifax said they would mask the first 5 digits of my social security number. Then they unmasked it, and I had to ask them again in a letter dated XX/XX/XXXX. But, once again, Equifax insists on showing my full social security number in full, and I do not want them to do this. It is totally unnecessary! 

Also, I would like to know why the CFPB closed my case when I had not even had a chance to view the results. I tried to hit the feedback button, but it didn't work.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

When my loan was switched over to Navient i was never told that i had a deliquint balance because with XXXX i did not. When going to purchase a vehicle i discovered my credit score had been dropped from the XXXX into the XXXX. I have been faithful at paying my student loan. I was told that Navient was the company i had delinquency with. I contacted Navient to resolve this issue you and kept being told to just contact the credit bureaus and expalin the situation and maybe they could help me. I was so angry that i just hurried and paid the balance off and then after tried to dispute the delinquency with the credit bureaus. I have had so much trouble bringing my credit score back up.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (MD)

I have an account with chase that has been at 29.99 % since they took over my account in 2007. Every Time I call they just tell me that 29.99 % is the best rate they have to offer. I do n't understand how that can be true if 29.99 % is their default rate. I been trying to work with them they say they will review my accounts in 6 months. six months passes and its the same thing, I get no results and just the run around from them. I need some one to do something about this.
Consumer complaint received 2016-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I recently XXXX from an XXXX program with various loans managed by Navient. Things were bad from the onset remain unresolved. Navient released falsified documents and mailings blatantly lying to me about the start date for my loan repayment. All materials ( which was later confirmed by their " Department of Customer Advocacy '' after I called to complain ) stated that XXXX 2016 was the first month of repayment period, when it was XX/XX/XXXX. Accordingly, I was penalized and of my initial mandatory payment, XXXX % went to the additional interest that accrued - or Navient 's bottom line. I only found this out by meticulously analyzing each loan, payment and recalculating all numbers. In addition, I discovered that this is a relatively well-known, common practice within the firm. A Navient customer service representative confirmed this nefarious tactic during my initial phone call ( that was recorded ). The Navient representative stated that this intentional misinformation is part of their automatic billing and communication system and that he did not personally agree with the firm 's practice. Essentially, they have charged potentially every person with a student loan an additional month of accrued interest over a vast period of time. I had the money available ( and I currently pay well over double my mandatory payments ), but due to purposefully erroneous information I and tens and perhaps XXXX individuals have been cheated for investing in themselves, for getting an education and simply doing what is right. Navient, has not followed up on my complaint as they said they would. I was never given a case number, a call back or even respect during the phone calls. When I called to follow up the company sent me to XXXX additional customer reps that simply asked why I was calling and forwarded me to one wrong department after another ... until they finally forwarded my call to a voicemail box. Since we have no choice which firm handles our loans or form where they originate there is little this message can do to help. If you do have Navienvt, however, be very careful, they should not be trusted - which is incredibly sad for students and our financial institutions as a whole. Unfortunately, there is not a select all option for what is " my issue '' as this clearly qualifies as " trouble with how payments are handled '', " Do n't agree with the fees charged '', " Received bad information about my loan '', and " Having problems with customer service ''. I will simply select one option with the assumption that there are several issues at hand here.
Consumer complaint received 2021-10-24
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. (AL)

I found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : 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 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 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 XXXXXXXX REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.