davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (NY)

original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - XXXX XXXX file number XXXX.
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I bought our home in XX/XX/XXXX, Mortgage holder was XXXX XXXX XXXX XXXX  
Principal was {$110000.00}. 
It was eventually sold to BANK OF AMERICA. 

IN XX/XX/XXXX, I lost my job and filed for MODIFICATION, I was granted a Trail Period plan effective XX/XX/XXXX, the trail period plan indicates I was past due on my loan from XX/XX/XXXX through XX/XX/XXXX, which I probably was a month or two periodically behind on my loan. 

Another part of the MODIFICATION indicated the total amount due was {$32000.00} which included, delinquent principle, interest, escrow payments and late fees. 
Immediately below that statement it said, I experience a financial hardship and am unable to repay the past due amount and continue to make my current monthly mortgage payments of {$1100.00}. I was under the impression this amount would be forgiven, I signed the Documents and returned them to BANK OF AMERICA, once I realized they added this amount to my balance, and complained to them on many occasions, they sold my loan to XXXX XXXX XXXX  
I was desperate for a resolution to my Mortgage issues to save our home. 


XXXX XXXX XXXX
Consumer complaint received 2017-12-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (FL)

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with callss. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started
Consumer complaint received 2022-04-27
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-05-04
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. (NY)

original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - trans union file number XXXX.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CT)

I started in XX/XX/year> with my SAVE plan request. Every 3 to 4 months I got an email that my request was missing information. I called and asked what was missing each time. I suspected it was because by the time my documents were reviewed the items were more than 90 days old. I was always told that was not the issue. 

Once I was told they didn't receive all of the documents even though I saw them in my account online where I had submitted them. After that I was told several different reasons my self certification letter of unemployment had too much information or too little information, however it aways had the information required per the instructions. Also, they had my layoff notice from the beginning. 

I get letters stating documents are missing but customer service can fins them. I have been told differing payment amounts, different plans I am enrolled in, and different instructions every time I call. There is no consistent answer. No one follows up and I start all over after every resubmission. 

After the last submission, I received a notice that my case was aged out and they closed it and my payments were restarting. It has been 3 or 4 months and I have XXXX idea how to resolve this. I also have to recertify in a few months and can only XXXXmagine how that will go.
Consumer complaint received 2024-05-28
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: JPMORGAN CHASE & CO. (MA)

From XX/XX/year> to XX/XX/year> I have 7 inquiries on my credit report not made by me. They are with the companies XXXX XXXX XXXX, XXXX with XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card. None of these were made by me.
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I am not liable for the debt that this collection agency is trying to collect from me. I do not have a contract with this company. I requested a copy of the purchase agreement or contract with the creditor that authorizes them to collect on this alleged debt. They did not provide me with the requested information.
Consumer complaint received 2022-04-27
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: JPMORGAN CHASE & CO. (CT)

I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX XXXX  credit cards. XXXX date XX/XX/XXXX JPMCB bank credit card. Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dare XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

So I have been on forbearance for the past year like everyone. In XXXX, the COVID Relief act passed {$9.00} XXXX to help homeowners. When I try to apply for these funds to help bring my mortgage current, there seems to be no money available. So is this a lie? Why cant we apply for help from this {$9.00} XXXX. I NEED HELP ASAP. My forbearance ends soon. 

See XXXX XXXX XXXX XXXX XXXX  " The bill also provides {$9.00} XXXX to help homeowners struggling with mortgage and utility payments. To apply for mortgage assistance click here. " but when you apply it just takes you to a page that says you have to apply for a forbearance. ARE YOU KIDDING ME??????? 

please eXPlain why this money is not really available to help homeowners stay in their homes when it was put in writing that it was.
Consumer complaint received 2021-02-03
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. (NY)

This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NV)

I currently have a mortgage with Freedom Mortgage. I am trying to refinance my home loan and requested a Verification of Mortgage from them. The VOM is incorrect and states that I have been more than 30 days late 2 times last year. When in fact I have never been late. I have called everyday for the past 3 weeks with no resolution. Freedom has been unable/unwilling to assist in fixing this issue or letting me talk to someone who can fix it.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There was a XXXX credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MI)

Issue : I booked travel through Chase XXXX XXXX program through chase.com website to redeem rewards - Chase sold a ticket which can not used. Chase is not able to take back the product. 

The sequence of events : XX/XX/2017 : Booked ticket for XXXX year old from XXXX XXXX XXXX. Got email confirmation. 
See attached. 

XX/X/2017 : I called Chase to confirm regarding {$150.00} fee to Airline for XXXX XXXX program. 

XX/XX/2017 : I called Airline to pay the fee. Airline declined stating that unaccompanied minor can not travel alone on connecting flight.

XX/XX/2017 : I called chase to refund the money since they sold a product that can not be used. Chase declined to help and said that buyer beware. This is clear cheating the customers of selling a product that you are NOT allowed to.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I did an online hotel booking thru XXXX for XX/XX/2021 to XXXX XXXX and XXXX XXXX XXXX XXXX. 
The finance company Affirm has harassed me via phone and has turned in to the credit bureau I have late payments on a booking that never happened. XXXX XXXX refunded XXXX and XXXX only refunded the Affirm company XXXX on XX/XX/2021. I ow no one for anything and let Affirm know their issue is with XXXX as I NEVER gave Affirm permission to pay for a booking that never took place. XXXX will not contact me about the due monies to Affirm that they have been paid back by XXXX XXXX. This is defamation of character to myself and also blatant harassment. XXXX XXXX XXXX
Consumer complaint received 2020-11-21
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: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2020 Midland MCM Collection Agency added a deragatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

XXXX data breach left me in financial Ruin. And the information on my XXXX and Experian   reports or not accurate. This is a nightmare. I want my score and reports to be fixed.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I am a victim of identity theft and have been since XXXX. My social security number was used and is still being used to a person in XXXX XXXX FLorida, This person was able to obtain a drivers license, create credit card accounts, was able to and still is able to rent apartments and even own a business with my SSN. 
I received a debt collection bill indicating that I have not paid the apartment complex. I have never lived in XXXX XXXX Florida. This person also has skipped out on medical bills along with the balance owed to the apartment complex. 
Needless to say I am very bothered by this situation. I contacted National Credit Systems regarding the {$2900.00} outstanding bill that was reported and on my credit report. 
I filled out all of the paperwork requested and necessary to take this off my credit report since it is affecting my scores and my report. 
I sent a 109 page packet that included all information needed as proof that this identity thief has been using my SSN for their identity. I also included a copy of my Social Security card, birth certificate, marriage certificate, copy of driver 's license and IRS documents that have been cleared of my name. 
I reached out to National Credit Systems in XX/XX/XXXX to inquire if they had received my 109 page certified packet. 
Mr. XXXX XXXX the collections manager informed me he would help me, but as of today he has not come through. I called many times just as he requested and encouraged, but I have not received a call back. 
I wanted to know two things : if my package was received by him and if he sent the package to the identity theft department. He has not answered my calls after repeatedly leaving voicemails with him. 
I need the the debt that was not mine to come off my credit report. I feel violated. I also need to know if my sensitive information is at the identity theft department. 
This is unfair and I feel disregarded when indeed nothing has been done on the part of National Credit Systems.
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC (FL)

Company is marketing a loan offer, but appears to be trying to provide credit counseling services instead. When I asked the representative if this was a credit counseling program, she said no it's a loan and it's not like credit counseling programs which damage your credit. 
The financial product that was described to me sounds exactly like a credit counseling program. I asked for the contractual terms of the program, so I could review them to ensure this program would not damage my credit. The company refused to send me the contractual terms stating that I had to go further in the process according to the FTC before they could send me anything. I only wanted to confirm this isn't a credit counseling program and now based on my last email with them, they do say this could damage my credit. 
My concerns are that 1 ) the company is falsely marketing their financial product, 2 ) the company is actively trying to deceive during phone calls on what financial product it is offering, 3 ) the company is refusing to send contractual terms for consumers to review the product until they have verbally agreed to proceed.
Consumer complaint received 2021-05-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

My mortgage was sold to Freedom Mortgage and they offered to refinance to a lower rate, so I took the offer. From there, they were quite difficult to deal with. They do not answer their phones, return voicemails or emails, do not properly schedule closings ( scheduled and no-show ), and keep you on hold for hours/do n't call back with option for call back. If this is how they act before they get your money, imagine how they'll act when they already have it.
Consumer complaint received 2021-02-03
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. (NY)

There was a chase credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

hello, back on XX/XX/XXXX, I ran a credit check on my credit score and realized that a credit agency had placed a collection on my credit for XXXX The following days I called the collection agency, Collection Bureau Hudson Valley , Inc, and inquired on the charge which they stayed it was from a past-due bill from XXXX that was for XXXX  for equipment and XXXX for past due service. I asked the agent to provide me with a bill explaining the charges, to which the agent replied " you would have to call XXXX and request the bill from them ''. I called XXXX and requested the bill which they stated the bill could not be provided to me because it was an old bill and to request from the collection agency because they have a record of it. On XX/XX/XXXX, I went to XXXX and returned the equipment, and requested from them the bill that determined I owed them XXXX. The agent had a difficult time coming to the final calculation but provided me with the XXXX last bill statements that showed a final balance of XXXX as of XX/XX/XXXX. The bill for XX/XX/XXXX, showed XXXX, and the bill for XX/XX/XXXX, showed XXXX. The agent said the equipment was for XXXX which was cleared because I was returning the equipment which brought me back to the XXXX. I asked how did the bill get to XXXX, which she stated she was not sure and believed I got a credit. I left XXXX without a clear understanding of how I still owed XXXX. On XX/XX/XXXX, I received a notification from XXXX XXXX saying my credit went up and that the collection agency had taken out the collection. I called the collection agency for proof of the bill being wiped out, and they stated that it was not wiped out but instead sent back to XXXX. I called XXXX and asked for proof of the bill again, and they stated that I still owe the XXXX which I asked for an explanation of XXXX which I was on phone for about an hour and at the end of the call lady, was not able to explain the XXXX just saying I received a credit for something that she didn't understand the code of. I asked for a bill showing the final XXXX and she said she could not provide me with a bill because the bill is too old. I still have not been able to see a ledger showing that I owe XXXX other than them, XXXX  and Collection Bureau Hudson Valley , Inc, telling me I do.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Central Kentucky Management Services, Inc (KY)

Collection Agency collected on a bill that was not owed. Agency confiscated state tax refund in 2018 - that is first time I knew of ANY bill from hospital. I phoned collection agency and disputed the bill immediately. Asked for verification of the debt. Agency could not verify debt. Agency then levied bank account. With NO JUDGEMENT. I got Medicare involved and they contacted agency stating this debt is not owed. Agency admitted they made mistake but will not return my money. Agency is guilty of illegal billing, double billing, and theft of my bank account.