davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with AMERICAN EXPRESS and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Sent in amount that I was told would pay off my bank of america credit card but still getting bills ( see full description in attached documents ).

Also : 1.Wait times on phone are way too long.

2.I was switched from paper to paperless billing without me being aware of it.

3.e-mail " paperless settings confirmation '' is not adequate for the customer who is unaware that they have been switched to paperless billing.

4.Bank of America is unwilling or unable to show me how I got switched to paperless billing so that in the future I could avoid that trap.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NJ)

I applied for the amazon credit card associated with Chase bank in the early morning today ( XX/XX/2022 ). Later today ( Sunday, XX/XX/2022 ), I called Chase customer service in an attempt to see if I could expedite the verification process, I spoke to a female representative named XXXX. I gave my social over the phone because she asked for it to verify my credit card application, and I was told that I would have to wait until Monday for the verification team office to be open so I can contact them. The call ended. A few hours later, I receive 2 phone calls from an " unknown '' number and a voicemail from a lady claiming to be from the " Chase Fraud Prevention department servicing Amazon XXXX  credit card to verify information '' and that I had to call back. This was still the same day, Sunday. I strongly believe this was clearly fraudulent and that the employee XXXX at Chase Bank provided my personal information to this person. I am worried about what personal information of mine this employee has provided the thief. I have not reached out to Chase due to not wanting the employee to be on guard. I don't know how many potential victims this employee under Chase banking, XXXX, has hurt financially and emotionally. This is a huge breach of trust and Chase should take it very seriously.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (FL)

I had an account XX/XX/2015 with XXXX/ Cont Finco. I closed it and then settled it as paid in full for less. I ask them to remove the account after i settled it. they said they could not.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

Freedom Mortgage has our property tax in escrow and will not pay it. The courthouse says they will sell our house on the courthouse steps if its not paid. Plus our name gets put in the newspaper, etc.

Our property taxes have been escrowed since day 1. We have never missed a payment. They lie every time we call. First they say they paid it. Then they say the paid the wrong parcel. Then they say they paid for the wrong person. All lies.

This mortgage company has horrible reviews and should be shut down. It is illegal for them to keep our money and not pay it to the appropriate parties.
Consumer complaint received 2019-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a new vehicle in XX/XX/XXXX or XX/XX/XXXX. The car was financed through Santander Consumer USA. I am not sure what kind of financing practices they use, but after 5 years, and seeing that the principal was still extremely high, I decided to just let the car go back because there was no way I would be able to pay it off. The car was originally around {$24000.00}. After 5 years, the payoff was still over {$20000.00} as of XX/XX/XXXX. I believe their finance practices are illegal and so I am reporting them at this time. In XX/XX/XXXX, I tried to trade the car in but owed so much that the dealership told me to keep it. At the time I attempted to trade it in, the value was only between {$8.00} to 10,000.
Consumer complaint received 2019-01-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX started a mortgage with Washington Mutual for a mix use property, this a commercial mortgage with this being our primary residence / owner occupied. the mortgage was sold to another bank before lastly Chase Mortgage holding it for the last approximately 9 plus years. The mortgage had a balloon after 12 years as originally written for {$590000.00} that matured on XX/XX/XXXX. We never missed a payment as well as our taxes and insurance. We always keep up on the maintenance of the house and the property. When it was time to pay the balloon payment Chase Mortgage told us that the " property did not fit their business plan. We bought your mortgage in a portfolio. We won't refinance your home. '' We thought it was implied that since we are in good standings in every area that Chase would refinance the balloon. We kept paying Chase after XX/XX/XXXX until XX/XX/XXXX Chase stopped taking our payments and returned our payments and are hitting us with legal fee of over {$40000.00}. We are in forbearance with foreclosure proceeding being threaten by Chase Mortgage if we don't find a new mortgage.We feel that we have been discriminated against and red lined in the process of trying to obtain a new mortgage for this property. I can not see any other reason why Chase Mortgage will not refinance this loan. Please help we are going to loose our home and our investment. My wife is sick over this. 
Thank you Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2019-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

I have applied for XXXX  's XXXX XXXX XXXX  XXXX Discharge through Nelnet, which " assists the U.S. Department of Education ( called 'the Department ' throughout this site ) in administering the XXXX XXXX XXXX XXXX ( XXXX ) discharge process. '' I have been deemed eligible ; however, there is a catch. There is a three year ( 3-year ) post-discharge monitoring period from the date the discharge is approved. Why so long? Why does the discharge go into effect immediately as most financial institutions would do? 

The monitoring period is unethical and unfair to people with XXXX trying to manage a daily life. The monitoring period hovers over my credit report for three years. Also, I am expected to earn no more than {$12000.00} per year in the State of Florida. 

This is well below the poverty line, unethical and unjust to expect an individual, human being to have some type of life on {$12000.00} per year. What about food, rent, gas, transportation, medical, XXXX, automobile insurance, etc.? I believe XXXX and/or NelNet should update their policies to reflect anyone deemed eligible for XXXX should have their student loans waived outright from the date of approval. 

It is unjust, unfair, unethical and stressful to allow these types of financial abuses to continue.
Consumer complaint received 2024-02-05
Product: Mortgage — FHA 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: LD Holdings Group, LLC (MI)

I requested my mortgage company, Loan Depot for forbearance assistance on XX/XX/XXXX, thru email and thru their customer portal. I was told to fill out their assistance documents. And submit them. I filled them out and submitted them on XXXX forbearance assistance I was requesting was due to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX above and beyond medical insurance caused this financial distress. Also, in XXXX of XXXX I had XXXX XXXX XXXX XXXX which I later added to my forbearance request. The forbearance assistance offered by Loan Depots Loss Mitigation Department was a reduction of {$91.00} a month My monthly loan amount was being raised by {$200.00}, a month, due to taxes and insurance from {$1600.00} to XXXX. Starting XXXXMy loan is a FHA loan and I requested this assistance thru the CARES act. I resubmitted an appeal, to Loan Depots Loss Mitigation Department on XX/XX/XXXX I received a letter from Loan Depots servicing department on XX/XX/XXXX stating that, because my loan was current and that I was seeking a borrower 's advocate, that I did not qualify fort forbearance assistance. This letter I received was not from the Loss Mitigation department where I had mailed a certified letter to. But the servicing department instead. I had gone above and beyond to supply the documents requested. Under the CARES ACT, I supplied more than necessary information.
Consumer complaint received 2019-01-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (TX)

Suppose to close on XX/XX/XXXX they foreclosed XX/XX/XXXX the documents are falsified and not real. I was scammed and dealing with XXXX XXXX and XXXX. Have left me hanging when this is time sensitive and we had a contract on a sale with contingent. My buyer sold their property to buy mine then we were left in limbo. Also had a claim that they will not honor. Giving me the run around nonstop. This was from 2005 I was inherited this house and debt. I was frauded with this. This isnt right Ive lived here 10 years this is my homestead. I went through probate court. Have all documebts to back this up. Noone will respond to me.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE
Consumer complaint received 2022-08-28
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. (MS)

XX/XX/2019 Original balance XXXX and now they saying the balance as of today is XXXX The balance amount has changed over time I filed a dispute but credit company sided with them Dont know anything about the company that has this account The company repoed my car years ago
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RFNA, LP (LA)

I was contacted at my new place of employment, but was busy at the time. My coworker took a message. The name XXXX was left and a number. My coworker asked if it was a business call or personal call because we can not accept personal calls while at work. XXXX said it was business. Im a branch Manager, but didnt get around to returning XXXX call. The next day I was out of work, and XXXX called. My coworker told XXXX I wasnt there. XXXX asked to speak to the manager, and my coworker explained that I wasnt in. XXXX then began harassing my coworker for more information as to contact numbers within the company that my coworker doesnt have access to being I am the branch manager and those needs are handled through me. XXXX also explained she needed to speak with me and left the name of her company. This was not only embarrassing, but hurtful to my employment being I work in money services and have had the same debt collector call consecutive days. My cell phone is not out of service, and my voicemail is set up and not full. I have been reprimanded at work for not only having personal calls come through, which XXXX was deceptive about on day one, but for having my coworker feel harassed on her job.
Consumer complaint received 2022-08-16
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. (CA)

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 account 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 account listed on an id theft report. 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.. 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 account/item which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX 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.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (NC)

Since helping a friend and cosign for a car, I've noticed my credit has plunged. Payments are up to date and paid on time if not well in advance and over the actual payment needed. After investigating further into this, I was made aware that only three of nine payments made are being reported to credit score. I have tried everything to get off this loan, refinance, trade, simply take my name off and everywhere says the same. North state acceptance is not reporting to credit and I am simply stuck at this company and at their discretion which is illegal.
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-08-16
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (NY)

In accordance with fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lustig, Glaser & Wilson, P.C. (MA)

I overdrafted a bank account years ago. For about roughly 1200.00 . It was XXXX XXXX. They closed the account and on my credit report it was put into collection but was marked closed at consumers wishes. It said I had XXXX $ in collection but XXXX  was due at the time. There was never any agreement worked out or anything. XXXX XXXX  ended up selling the debt to a lawyers office called XXXX XXXX XXXX. I have been harassed brought to court, have received over 30 letters and its still an on going matter. Im a single mother and Im doing the best I can. Im not in a position right now to pay that debt. However this lawyers office will not leave me alone and I dont know what to do? Please help!
Consumer complaint received 2022-08-28
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. (NJ)

Ive sent Id with my correct name spelling well as birth Certificate and Social Security card drivers license.they are still reporting inaccurate information on my credit report..Ive sent theses Documents in XXXX XXXX and they still havent corrected it..
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2019-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I sent money to my daughter on XX/XX/19 via Moneygram. I received an email at XXXX XXXX  stating transfer sent and ref # XXXX. My daughter went to pick it up around XXXX XXXX  on XX/XX/19. She called me and said the transaction had been cancelled. I said let me log in and see what is going on. I could not log in to the website and I still can not log in to the website. I have screenshots from two different web browsers showing the error. I finally was able to track the transfer with the ref # but it just said cancelled no other information. I call Moneygram and was told Moneygram cancelled the transaction and will not give me any further details due to security purposes and that I will never be able to use Moneygram services ever again. I can expect my REFUND in 3-10 days. ABSOLUTELY UNACCEPTABLE. If they cancelled the transaction due to security reasons and reasons they won't  tell me, they should not have touched my money. The transaction was cancelled, therefore the authorization to access my account was also cancelled. I want these thieves held accountable and this pursued to the full extent of the law. False advertisement of a service they could not deliver, theft of funds from my account, withholding the reason why my transaction was cancelled but my money was still taken. I am also filing with the Attorney General. I need to know who to contact to file theft charges and damages for their deceptive practices. I want to hear from someone on this complaint - I have filed a complaint before and no one ever contacted me so I doubt it was ever investigated. The thieves in this country need to be held accountable just like with any other criminal.
Consumer complaint received 2022-08-16
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint # s XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS, 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, FL XXXX XXXX