davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (WA)

Hi I am writing to report a problem with GreenSky. Hi, I'm writing to you because I have a loan with the GreenSky company. I took out a loan on XX/XX/2020 from this company for roof repair. The roof began to leak from XXXX. I spoke my problem with the selling agent who helped me report the leak. I made my report on XX/XX/2020. I was sent by XXXX people who glued it. The leak continued to progress and I reported it again by calling and emailing. Now is XXXX and I have reported the problem XXXX times this month, and I have not received a response. I would like to know what I can do because they don't listen to me but I do have to keep current my payments. Today I decided not to make the payment to see if the problem will be fixed before winter begins. There are XXXX Companias and XXXX is called GREENsky XXXX XXXX XXXX located XXXX Georgia XXXX, and the other company is XXXX XXXX where I have reported the problem several times as well XXXX. I hope you guide me to see what I can do, thank you or report this in your reocrds. Thank you.
Consumer complaint received 2021-08-11
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. (GA)

I have called Experian and explained that my purse was snatched with all of my personal information & I recently noticed that inquires were appearing on my report. I was instructed to send in a identity theft report which I did & they say it was not there. I have attached that to this complaint.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, my wfie and I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I mad a reservation for the XXXX XXXX XXXX XXXX. The reservation was made in advance and posted to my JPMCB card on XX/XX/XXXX for {$830.00} for a 3 day weekend in XXXX ( XXXX / XX/XX/XXXX ). However, when I arrived my prepaid accommodations were not available. Hotel was sold out. Room shown was unacceptable and I have pictures. We needed to find accommodations in another City as XXXX NJ was sold out being Peak season in XXXX. I booked another hotel with the help of XXXX an hour away in XXXX XXXX. On the way to XXXX XXXX I stopped for gas and used my JPMCB credit card for the gas purchase. I further paid for the new hotel accommodations at XXXX in XXXX XXXX on my JPMCB card. However, JPMCB would not relieve me of my obligation to a hotel that I did not stay at and has caused damage to my credit account instead of taking this matter to an arbitrator where I could prove that my family was in XXXX XXXX not XXXX. 
I am seeking to have this delinquent charge placed incorrectly by JPMCB expunged from my credit report. I have documents to support my case and have attempted unsuccessfully to resolve this matter this Chase.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to withdraw {$900.00} from a Bank of America ATM with my XXXX card on XX/XX/2020 Sunday around XXXX and it didnt dispense nothing out of the ATM, no money, nothing. So I checked my account after and it said I did withdraw the {$900.00}. I called and made a claim on Monday XX/XX/2020. 
The location was XXXX XXXX XXXX is XXXX XXXX XXXX XXXX CA XXXX No update yet on the claim and I have been calling every day now.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with TransUnion and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX  because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and TransUnion did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX. Remove this now
Consumer complaint received 2020-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc. (GA)

They company XXXX XXXX emailed me a bill for services they say I received at the XXXX office that provided treatment to me. I have requested that an itemized billing statement be sent to me and of course I never received the requested info. I have no idea what this charge is for. The company XXXX XXXX also told me that they do not have an itemized billing statement that they send to their clients. I'm sure that is illegal if you are going to charge someone and report it to the credit bureaus..I have never received any documentation from Metro Collections the reporting entity. How I found out was being denied credit and requesting a copy of my credit report and researched the company. At this time my credit is being impacted and my score has dropped and being denied credit as well.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (NY)

Derogatory credit reporting was submitted by AssetCare, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of {$990.00} and {$640.00}. I have never had an account with AssetCare. Despite my father requesting information from them, these accounts have never been substantiated. Out of network charges are never approved and I am fully insured and covered under XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX My loan # XXXX was transferred ( sold ) to Loan Care and the customer service is terrible. The mortgage was transferred from XXXX after they went bankrupt. I still haven't received any papers in the mail from Loan Care on time, No received Welcome letter after mortgage is sold to them. If you need info about mortgage payment escrow and ask to speak whit Manager that will be not happen. I call few times and ask representatives that I prefer to speak whit manager because they never give me answer on my question or problems I have whit Loan Care. All times I call representatives promise that Manager will call me next day. HoweverManger never calls me yet. Probably this company does not have manager. XX/XX/2019 I receive letter starting that I need to pay two payments in one monthWhy According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out of any reason. Refuse to send me letter two weeks before my payment is due. Out of any reason they send letter one or two days before payment is due. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue I believe that Loan Care break the law. I am very disappointment and I will ask Government and FHA to provide me another mortgage company I do not want to be customer on this company any more. I will contact to NJ Division of consumer affair, Attorneys General FCC I do not want to be consumer on this worst company. This company breaks the law. I need help to get out from Loan Care. 

XXXX XXXX.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I've received targeted offers for the Amex Delta Card for at least 12 months. I finally decided the apply. I have a fraud alert on my credit report, so I was approved after they verified my identity. The promotional terms included XXXX bonus miles after spending XXXX in the first six months, a {$0.00} intro annual fee for the first year, then {$99.00}. 

Within the past month, I was charged a {$250.00} annual fee. On my first contact attempt with AMEX, I was informed the issue would be resolved, and it wasn't. During my second contact, I was told I was approved for a platinum card, not the gold one I applied for. I was offered no resolution other than to reapply. However, the offer I used has since expired.
Consumer complaint received 2021-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America allowed for a credit card to be opened as a result of identity theft in my name. Bank of America was notified about the credit card and checking accounts and never did anything about it. 

Bank of America was included in my bankruptcy chapter XXXX case filed XX/XX/2021. This was filed due to battling identity theft for so long I could no longer battle it. The card is discharged yet Bank of America still reports it as charge off owed debt. This is no longer collectible and the credit reporting should be updated. Also why am I listed as a bad customer because a thief opened checking accounts without my authorization? Also you said you linked the Bank of America checking to a XXXX XXXX  account in the past. That XXXX XXXX  account was also identity theft and has been closed as such. So that does not trace back to me. You can speak with them about that.
Consumer complaint received 2019-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

NAvient is profiting off consumers in Bankruptcy. Navient locked out both myself the cosigner and my daughter the signer since my spouse and I filed ChapterXXXX in 2015. Navient refused to accept payment requests. Navient has applied capitalized interest in over 30k now that the ChapterXXXX is discharged. My daughter had made payments up until being locked out, she is currently looking for work and on unemployment. My husband is a XXXX military veteran and I'm XXXX. We are using our home equity, our only savings for our elderly years to pay this off since the amount continues to grow at a rate greater than any investment. Navient has refused to reduce the mount. Our attny advised us through out the Bankruptcy that Navient was suppose to work with us but Navient never did.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX  and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my small company is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of my XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices. 
I HAVE NOT CLOSED, DO NOT LEAVE MY OFFICE DO NOT LEAVE MY staff that moves in commissions. PAY MY OBLIGATIONS AS IT SHOULD BE
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Empower Finance, Inc. (GA)

On XX/XX/2020, XXXX bank close my account with informing me and right after I fail a compliant against with the XXXX XXXX XXXX ( XXXX  ). Then I asked the representatives via as to why the bank closed my and she told me could not disclose. On XX/XX/XXXX, I did file a complaint against them because they locked my account because I traveled outside the US and used my card at a local ATM to withdraw cash. For a total of six days my account remained locked without me knowing why the actual reasons why.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (NJ)

On XX/XX/XXXX my Wife and I settled on a purchase money loan from AimLoan.com for  {$250000.00} against a purchase price of {$270000.00}. We were correctly obligated to pay PMI and did so with each and every payment. 

By agreement dated XX/XX/XXXX, AimLoan accepted us into a Loan Forbearance program established pursuant to the Federal CARES Act. Following a sale of of other property, were able to make a prepayment to AIM on XX/XX/XXXX in the amount of {$240000.00}, thereby reducing our loan balance to approximately {$13000.00}. 

We subsequently voluntarily terminated our forbearance agreement, and by letter dated XX/XX/XXXX, AIM confirmed that we had terminated our forbearance. We resumed our monthly payments via ACH. 

In early XXXX, XXXX, upon review of a statement from AIM, I realized that we were still being charged PMI despite the fact that our mortgage balance had been reduced to approximately {$13000.00} upon a property valued ( as of less than 1 year prior ) at {$270000.00}. I contacted AIM to ask for a review and an appropriate refund of the PMI payments, and have now received a letter from AIM refusing my request. 

The stated reason given by AIM is You had payments 30 or more days delinquent in the past 12 months. We were never delinquent in any payment. The only interruption in our timely payment history was the 2 month period of forbearance and, to my understanding, treating a borrower 's participation in such a program as any violation of the terms of a mortgage loan is prohibited by the Federal CARES Act. 

I believe that by construing payments subject to the forbearance agreement as delinquent is unfair, unjustified, and contrary to Federal Law. Refusing to abate charges for PMI following reduction in my loan amount to roughly 5 % of the property value is unfair, unjustified, and contrary to Federal Law. I ask the CFPB to pursue my complaint and, if I am correct in my legal analysis, to ensure that AIM reimburses me for prior unjustified PMI payments and halts all further PMI charges.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I received an alert on XXXX/XXXX/XXXX that there were missed payments being reported to XXXX relative to SPS Mortgage loan. Please note, the account was incorrectly reported as 150 days late to XXXX as of XXXX. I submitted an online dispute through XXXX on XXXX/XXXX/XXXX as SPS took over servicing of the account effective XXXX/XXXX/XXXX ; therefore, account could not be 150 days reported late if they only serviced the account for 60 days. XXXX dispute results received today, XXXX/XXXX/XXXX and SPS did not update their reporting information to reflect the accurate number of late payments. 

Further the account was previously serviced by XXXX. XXXX XXXX already filed record of 60 and 90 days late through credit bureaus. SPS Servicing is double dipping on the late payments recorded I believe as a result of my separate complaint filed with CFPB for the intentional mishandling and delay of my loan modification. I am respectfully requesting they remove these incorrectly late payments and update to match the time they have serviced the account XXXX/XXXX/XXXX. If they had not mishandled and intentionally caused a delay in my file handling - I would not be going through this long standing impact to credit file. Please note my first loan with XXXX Mortgage was modified back in XXXX within 60 days based upon the same information submitted to XXXX and subsequently SPS.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2022 Last 4 digit SSN : XXXX
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible