davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NV)

REF Case number : XXXX Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed XXXX payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (SC)

My dad and mom had an account credit card with Chase. He died in XX/XX/XXXX. My mom filed bankrupt in XX/XX/XXXX. Account # XXXX. Now the account is on my credit report showing as mine in XX/XX/XXXX as a charge off. Chase has already been guilty of this practice before of selling bad debt.My SSN somehow got tied to this account. Ive never had an account with these Chase people. Contacted Chase and given the run around. Sent them my dads death certificate and moms bankrupt papers with no luck.
Consumer complaint received 2018-03-21
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. (CA)

I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO EXPERIAN AND XXXX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... EXPERIAN AND XXXX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NC)

while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

I responded Yes ( put my loan in forbearance ) to Nelnet 's automatic text message system when I missed my payment date.

I have had friends do this and they told me that is all they had to do so I assumed I was okay.

Approximately 90 days later, I get a credit monitoring alert on my credit card saying I had a multiple accounts being reported 90+ days late. Come to find out, it was Nelnet not claiming I was in forbearance. I immediately put my loan in forbearance to prevent any more negative action.

Nelnet claims I did not do this. I have no record of this text message. I tried to obtain it from XXXX but too much time had passed.

I do not understand this logic. I had and still have plenty of forbearance time left, why would I not put my loan in forbearance if I had time left??

All I can do is continue to file report after report, I can no longer afford to have this on my credit profile.
Consumer complaint received 2020-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Upgrade, Inc. (IN)

My upgrade card has a personal line of credit. For XXXX it showed it was Past Due, although I made 3 payments in XXXX and 4 payments in XXXX before it would show it was current. Now, all re-occurring charges to the card are declined and I can not withdraw cash from the account. I can not get anyone over there to correct this issue. They called me several times when the account showed past due but every person acknowledged there was a problem and there was a ticket in to get this fixed, once they looked at the notes. I was not past due. 

I called several times within the past two to 3 weeks and was told there was a mistake and it was going to a supervisor and nothing has been done. I can't get a call back. I had to pay so much more extra for the month just to make it current, so it would not go to collections. I can not wait for them to correct the problem because it seems as if they don't care. 

Address of Company XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX, XXXX
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

On about Monday XX/XX/XXXX, I received a credit card statement from XXXX - XXXX XXXX XXXX XXXXXXXX. The balance to be paid was listed as {$4900.00}. I thought that to be too high of a figure. 

On XX/XX/XXXX, I called XXXX to question the total and requested Staements from XX/XX/XXXX thru XX/XX/XXXX. During the phone call I stated that I would pay down that statement total of {$4900.00} to {$0.00} within 24 hours. I would review the past 3 months of charges once I received the requested months of account activity and contact XXXX  if I found a discrepancy. 

On XX/XX/XXXX, I had XXXX XXXX print a bank tellers check for {$4900.00} with XXXX - XXXX XXXX XXXX XXXXXXXX as the creditor. ( This WAS NOT a hand written personal check, it was a guaranteed printed BANK CHECK ). I sent the {$4900.00} payment PRIORITY MAIL OVERNITE to XXXX - XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX ( 7 days after the {$4900.00} Bank Check was received by XXXX  ), I tried to use my XXXX  - XXXX XXXX XXXX XXXXXXXX and was denied. 

After calling XXXX, and speaking with 3 reps and 2 supervisors for over an hour, I was told the following : I would not be able to use my XXXX  - XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX - as it must clear first & because I paid the balance in full and the amount of the payment was so high, it would take till the current billing statement period closed til my card could be reactivated. 

I'm angry! I paid the full balance using a bank issued check and it takes almost a month for a check to clear? 

Please look into this incredibly odd business practice and fix it for everyone.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (LA)

FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Hello, my name is XXXX XXXX. 
I have tried to contact Citibank after they suspect there was a fraudulent activity online. 
They blocked online access many months ago. I went into a branch to sort things out but even then employees could not help me. 

I tried calling them and get access granted again. However, they won't solve my issues at all. I have spent so much time on the phone to verify my identity to get access. They said they will send me a reference letter but I haven't gotten it for weeks. My phone number on the file is an international phone number, which they can not verify it. And they won't accept my second phone because it's not on file. I want to access my account.
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I have a loan through Navient and I am unable to pay it because they do not have my correct birth date. I can not log in because I have to validate who I am and it doesn't have my correct information. I've tried to call so many times over the past couple of years and they tell me they can't even talk to me because they can't verify who I am. They just keep pushing my account into forbearance and I keep gaining more debt from interest and ruining my credit. I've been trying to fix this for so long and I'm feeling completely hopeless now.
Consumer complaint received 2016-04-29
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.
Consumer complaint received 2018-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A. (FL)

I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX, for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in XX/XX/2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of XX/XX/2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.
Consumer complaint received 2018-03-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (KY)

opened XX/XX/2014 in the amount of XXXX dollars. I have disputed this account and they have yet to remove it. THIS IS NOT MY ACCOUNT and they will not send me verified paperwork of the original account SIGNED BY ME.
Consumer complaint received 2015-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (IN)

My XXXX year old daughter is getting phone calls daily during school hours threating her when she has answered the phone stating she is not the person they are trying to contact and messages left daily on her phone. They call her daily and continuously, I have called and asked them to take her off their call list on multiple occasions, left messages and to no avail. I do not believe my XXXX year old should be harassed when clearly she is NOT the person that owns this debt. Harassing a minor can not possible be condoned for the collection of a debt. Causing undue stress to a young XXXX girl should be considered bullying!
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Finance Company, LLC (DE)

i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (AR)

I made 2 separate deposits on XX/XX/21 and XX/XX/21 into the account at Binance.us that I set up in order to trade cryptocurrency. I was informed that I would not be able to make a withdrawal for ten days after each deposit. It has now been much longer than ten days since my first {$1000.00} deposit and I have not been able to withdraw any USD or ADA from my account. They do not have a phone number to reach them at, and I have attempted multiple times to contact them with their messaging service to no effect. I have since searched around on the internet and have found several other complaints about them seizing people 's funds for no reason.
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (VA)

Dear Sir/Ms. : For the purpose of introduction, I am a XXXX. In XX/XX/XXXX I completed a XXXX, in support of Congresswoman XXXX XXXX XXXX, ranking member on the committee on Science and Technology. 
In XX/XX/XXXX, I decided to complete a XXXX degree ( started at XXXX XXXX University in VA ) so that I could XXXX after over 35 years of XXXX. Due to a busy travel and work schedule I decided to use XXXX University ( my mistake ), and XXXX Department of Education ( DOE ) Federal Stafford loan as a matter of convenience. After acceptance of my application, The DOE, under XXXX XXXX, put the management and control of the loan into the office of the XXXX University Office of Financial management, and the largest alleged debt is now from WELLS FARGO? 
I received a communications from the US Department of Education dated XX/XX/XXXX ( please see attached file ). In that communications is further evidence of fraud. In the first table is a stated total of {$23000.00} from a Lender XXXX, XXXX, WELLS FARGO. I have never, ever, in my life applied for a loan with WELLS FARGO. I have never done any business with WELLS FARGO or talked with any representatives of that organization, yet the largest loan is stated as from WELLS FARGO. 
After passing the XXXX and continuing to the XXXX, fraudulent issues concerning mounting debt became so confused and exasperating, I realized that the school is about stealing money and not education. Therefore, XX/XX/XXXX, I notified XXXX University of my displeasure with their operation and that I will not continue with their program. I then started to repay the XXXX loan I made with the Department of Education ( DOE ), while trying to get answers to serious matters that indicate mishandling of the loan process by XXXX U and WELLS FARGO. A XXXX PLUS Loan is among my many complaints, it appeared at over 7.4 % interests when the DOE loan I applied for was 6 %. Thinking I made an error I paid it off in full. I continued making payments thru XX/XX/XXXX until I believed that all payments due were satisfied. I now have no confidence that the money I paid was ever received by the Lender, the DOE. The loan is now in default. 

After many attempts for assistance in resolving the issue, I submitted a letter of complaint to the new US Attorney General XXXX XXXX,, the department of justice responded with a letter, dated XX/XX/XXXX ( ID # : XXXX ), acknowledging they received my communications and will act on it. I am presently waiting, waiting, waiting for a response from the Department of Justice.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

I, XXXX XXXX, am a consumer in fact and I am writing to provide written notice to the creditor of a billing error contained in my statement. Pursuant to 15 USC 1666B ( 1 ), I have identified a credit balance error.

I am writing this compliant because of an error in the posting of a credit to my account, pursuant to 12 CFR 1026.10 of the Truth in Lending Act ( TILA ). I understand that I made two payment on my account, but the credit was not posted in a timely manner, resulting in an inaccurate account statement.

Under the provisions of the TILA, creditors are required to properly credit payments made by consumers and to provide accurate account statements that reflect all payment activity. It appears that Discover have failed to comply with these requirements.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes XXXX, XXXX XXXX XXXX and EQUIFAX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated XXXX parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. 

Not to mention Webbank/fingerhut, XXXX, XXXX XXXX XXXX and EQUIFAX an are reporting income to my report which illegal according to the IRS publication XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Webbank/fingerhut is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against me.
Consumer complaint received 2021-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Received an invoice from XXXX XXXX XXXX in XXXX, Florida for " Emergency Services '', indicating the service date was XX/XX/2020. During this time I was covered by health insurance with XXXX XXXX XXXX of Washington. XXXX XXXX XXXX neglected to XXXX XXXX XXXX XXXX and has reported this invoice to Transunion, XXXX, and XXXX as unpaid medical debt. This is severely affecting my credit score and has caused me to pay higher interest rates on my mortgage and car loan. I have attempted contacting them and working this out to no avail for nearly XXXX months now. Please help me. 
There are XXXX credit agencies reporting for the same date of service ( XX/XX/2020 ). One reported to XXXX is for {$1500.00} and another to XXXX XXXX for {$1100.00}, which is actually a XXXX XXXX  from the same date of service, XX/XX/2020. Neither of which have been able to provide any proof that this is actually a valid debt to begin with. They have provided no documentation with my signature or identification.