davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA XXXX states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that Experian XXXX and XXXX are neglecting to accurately investigate and report. Experian has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MA)

I cosigned a student loan for my daughter with Sallie Mae in XX/XX/2020..I requested paper billing statements to pay my monthly payment as I do not pay any bills online. Since then I have not received any loan documentation or billing statements as requested. I have contacted Sallie Mae five times via phone and my daughter contacted them by phone as well. Each time I was told billing statements would be sent out the next day. The only thing I have received from Sallie Mae is 4 threatening letters regarding my " nonpayment '' and the impact it will cause on mine and my daughter 's credit score. I also have received phonecalls from them threatening the same..AS WELL AS ... overnight XX/XX/XXXX deliveries of more threatening letters ... but still..NO BILLING STATEMENT OR LOAN DOCUMENTATION!!! Please help before they attempt to harm my daughter and my credit score ... I have been trying to pay yhis bill since day one and they wont allow me to!! 
Thank you ... .XXXX  XXXX
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I closed on a HAMP modification for my mortgage in XXXX with JPMorgan Chase. Since then I have been having difficulty getting my 2nd mortgage modified under the 2mp program with XXXX. XXXX claims they never received an notification that my 1st loan was modified and that my 2nd loan is eligible. I believe Chase has to input my HAMP modification in to the servicing HAMP system. I believe the system is called the XXXX XXXX matching system. I need the 1st loan to match with the 2nd loan in the system. I tried calling Chase but most telephone representatives do n't understand what i 'm talking about. I desperately need this modification.
Consumer complaint received 2024-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MECHANICS BANK (IL)

Mechanics Bank XXXX XXXX has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Mechanics Bank XXXX XXXX in the past or present, If Mechanics Bank XXXX XXXX feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Mechanics Bank XXXX XXXX can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I made a payment receipt XXXX to my credit card XXXX on XX/XX/2022, but the payment is not reflected in the statement, now I have interests and and the principal unduly charged in my statement. 
There is an unresolved dispute with XXXX since 1 month ago.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

They purchased my mortgage from my old mortgage company. I paid my mortgage on time, and they recorded that I was 30 days past due. I called them to try to resolve, and they opened a case, but called me back today to inform me that they would not change the credit reporting.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA (MO)

In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Gatestone & Co. International Inc. (NY)

They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year>, I deposited a {$75000.00} cashiers check at the XXXX XXXX Truist branch in XXXX, GA. The check was drawn on XXXX XXXX and purchased at the XXXX GA XXXX branch across the street from the Truist branch. I was told that a hold would be placed on the funds until XX/XX/year>. I inquired about the details of the hold with a woman who identified herself as the branch manager. She said it was bank policy to place a hold on the full amount with no immediate availability of any funds. When I asked for the rationale of this policy, to educate myself, she shrugged her shoulders and told me I just work here. 

On XX/XX/year>, my wife ( also on the account ) called the Truist corporate support line and spoke with a representative who agreed that, in accordance with federal Reg CC guidelines, the first {$5500.00} should have been made immediately available. He transferred her to a supervisor, XXXX, who she spoke with at length. She requested to be directed to where she could find the policy regarding holds on cashiers check in our account agreement. This was not provided. XXXX told her that holds were the discretion of the branch and only the branch could release the hold. She provided the contact information for the branch. My wife called the branch, and after 7 no answer attempts over 20 minutes, XXXX finally answered the phone. XXXX stated that a partial hold was not possible, and that he would send the issue to his XXXX XXXX Truist branch manager, but warned that our recent overdraft status would probably prevent him from releasing the hold on any of the funds, regardless of our 20 year relationship with the bank. 

In our communication with friends who are bank officers at other institutions, this violates federal Reg CC guidelines regarding holds on deposits of cashiers checks. It is our understanding that the first {$5500.00} should be made available immediately or within 2 business days.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

for several years I tried to refinance my home. ( which I have been in for over twenty years. this is a mobile home, myself and wife are both XXXX, we also have a adopted son which is XXXX. every time we sent in paper work there was always something else they needed are they say they did n't get it? we sent certified mail?? now we have been fourclosed on and are living in a travel trailer. select port folio is a doing this to all there customers, and XXXX XXXX XXXX XXXX XXXX XXXX is backing them up. after being put out they have my home up for sale for less than 20 thousand dollars, yet said I was still liable for XXXX? this company has complaint after complaint made against them and they still seem to get away with ripping people off and taking there homes.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (MD)

The account being reported on is closed from a public sale of foreclosure on XXXX/XXXX/XXXX. Currently you are reporting that there is an outstanding balance of {$62000.00} which is inaccurate as well that a 90 day late payment was made in XXXX which is also inaccurate. I am asking that each of these be removed immediately.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Applied for checking account and credit card. Denied stating by phone that my account was frozen due to report of fraud. No release of who is holding the reported the fraud alert. Violators fair credit reporting by both the credit union and the party submitting the action.
Consumer complaint received 2022-08-14
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: EQUIFAX, INC. (TX)

I have disputed the following accounts several times and Equifax has failed to delete or correct these following accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX  XXXX XXXX. XXXX XXXX was deleted by XXXX on my credit report but still remains reporting inaccurately on my Equifax credit report. These accounts including but not limited to XXXX XXXX  were disputed on the following dates. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, XXXX, XXXX and XXXX of XXXX. Equifax has failed to maintain accuracy on my credit report.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Last week, I had deposited a check into my Santander account in the amount of {$250.00}. Unfortunately, the account from which it was drawn decided to hold funds longer than I had expected, thereby causing the check to bounce. This set off an avalanche of overdraft fees ( 15+ in all ) that were assessed against my account to the tune of {$520.00} as of this writing.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

I, wish to report in this complaint Ocwen Loan Servicer for fraudulent business and predatory lending practices. The aforementioned has harassed and threatened me in it 's attempt to have me to enter into a Mortgage Loan Modification, that they have no authorization to do so. They have provided fraudulent information to support their attempts, misleading and inaccurate, outdated data that has no bearing on this matter. The DEED of TRUST that I entered into was with Litton Loan Servicing and when they went out of business that agreement was legally null and void, and non-transferable. I have not entered into any agreement with the aforementioned entity, and will not do so at this time. They have no authority or standing, to pursue this matter which has now become predatory in nature in their relentless pursuit.
Consumer complaint received 2021-01-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX, 2021 I recently applied for the Freedom XXXX  card and was denied for the following reasons : one or more Chase cards have recent delinquency, charge-off or bankruptcy insufficient credit information. I received this information in the mail on XXXX XXXX, 2021 I want to know why they are discriminating against me? I have never had a Chase card so for them to state that I have been delinquent, charged off or another other such thing that does not appear in my credit report due to the fact that my credit report reflects the following : Account Summary as of XX/XX/2021 Balance of {$4000.00} Payment of {$80.00} Credit accounts 1 Open accounts 1 Closed accounts 0 Delinquent account 0 Inquiries ( 2year ) 1 Derogatory 0 Public Record 0 FICO XXXX Since I did this in good faith because my credit is better than good and they are denying me based on anything but what they stating I am going to assume they are discriminating against me. Remove any inquiry that you have made to stain my credit ASAP. 
They did an inquiry on my XXXX report.
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I 've been paying Navient consecutively every XXXX of the month for a few years now. Not until XX/XX/XXXX did I check my bank account and notice that the usual payment {$300.00} + did not come out. I called navient & spoke with a represtative, she explained that they no longer excepted payments via credit card this is why the charges did n't go through and that I will have to set up the payments through auto debit. I agreed and she proceeded to explain that the monthly payments for both A & B private loans will be a total amount of {$160.00}. Fast forward to XX/XX/XXXX I obtain one email from XXXX XXXX at navient stating that I should contact them due to an error in my account. When I called I spoke to XXXX and I explained everything above. She understood my issue and said she will pass it to a mgr who will call me back in a week. No one called me, so I followed up today on XX/XX/XXXX Only to be told by the mgr XXXX that even if I pay the back balance today i will 1. still be charged a late fee, 2.the late fee will remain on my record & this will disqualify me to release my consigner in the future, and 3. to make matters worse I now have to pay interest on top of the principal increasing my payments to {$350.00} & change instead of the {$320.00} I was paying for years. I find it to be ridiculous that I now have to be penalized with extra fees due to the reps mistakes. I was only recently notified this month, and they tacked on all these fees, placed me on forebearence because of it. The reps were rude and not helpful at all. I understand this may not seems like a huge increase in payment to some, but it makes a huge difference to me, and hurts me financially. I 'm hoping that the forbearance can end and my regular payments can be eplimented. Many thanks in advance
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BMO Bank, N.A. (GA)

I submitted a mortgage application with a mortgage banker, XXXX XXXX, who works at the XXXX XXXX Branch of BMO Harris Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ). He mishandled the application so badly that we would have been unable to close on our home at the already agreed upon date. As a result, we withdrew the application and secured a mortgage through another bank. The current issue I have is that XXXX XXXX and BMO Harris Bank ( including his supervisor, XXXX XXXX, and the branch manager, XXXX XXXX ) refuse to return my {$490.00} application deposit. As unprofessionally as my application was handled, at this point, I simply want my money back.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (VA)

Paypal has not been impartial when facilitating disputes. In my case, a merchant ( XXXX ) mailed merchandise that was too small. The product came from their warehouse in CA. However, Paypal told me they sent an email on XXXX/XXXX/17, asking me to return the items to XXXX, I never received that email. I did receive an email asking for a confirmation of mailing so I quickly returned the items to the sending address, in XXXX XXXX, CA. However, despite the XXXX indicating the package has been delivered, they have refused to return my monies of {$120.00} until the merchant affirm. This is not appropriate given the merchant is using a XXXX address to make it difficult to return items not usable. Instead, Paypal is working on behalf f merchants instead of the average US consumer in this matter. I ask for assistance in regards.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (NE)

on XX/XX/2024 I received a job offer from XXXX after a background check was submitted the company first advantage. Ran my background check and came back with stuff on my report more than XXXX XXXX XXXX. Of course I didnt put this on my application because I thought at most XXXX  years would be as far as they go back. These are XXXX  XXXX  that happen when I was XXXX I will be XXXX next month. I feel like my rights are being violated due to them reporting this, XXXX has now revoked my offer for employment, I find this to be really unfair. At this point theyve made it to where I might as well be a XXXX.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.