davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX To whom it may concern ; My name is XXXX XXXX XXXX. I have a student loan with NelNet. In XXXX my loan went into collections. I contacted the collection agency and did everything they advised me to do in order to have the loan go back to NelNet. XXXX explained to me the program called Rehabilitation can only be used once. After my account went back to NelNet, in XX/XX/XXXX. I contacted NelNet and applied for the Payment Based on Income program. I am a XXXX vet and the only income for my family. My repayment amount was set to XXXX. I Sent them all the paperwork, as well as, my Income tax for that year. I spoke to a representative towards the end of XXXX or around XXXX and confirmed they have everything needed and everything was good. 

On XX/XX/XXXX I received a letter from National Student Loan Program stating that my account went into collections. I proceeded to contact NelNet about this to ask if I was supposed to reapply for the program. I was told by the rep. that the account went to collections because I did not send proof of my wifes income. I explained to them that my wife does not work. I stated that on the application and I also sent in my Income Tax showing proof. They then continued to tell me that they tried to inform me by letters and email and gave me an address to verify that was from 10 years ago. This was an outright lie as I have paperwork showing my current address which I have been at for 8 years. I also searched my email history and did not show anything or any attempt there either. I then called Nation Student Loan Program and explained this to them as well, and asked if I can do the Rehabilitation program and they explained that it is only once in a lifetime to use this and was already used in XXXX. I contacted NelNet and explained this and asked if they can just pull back my account and process my application since they have all the paperwork needed. I asked to be transferred to a supervisor and explained everything to them. He stated he will open a complaint for me. As of yet I have not heard anything. I also filed an online complaint with Nelnet as well. 

I am only asking for my account to be sent back to be able to be set up with the payment based on income as I am currently XXXX and the only source of income for my family. I am currently waiting for my XXXX XXXX XXXX from the Veterans Administration as well to send them this information to them as well. 
Please assist me in this situation. Thank you for your time. 

XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX Ca. XXXX Phone : XXXX NelNet Account number : XXXX NelNet : XXXX
Consumer complaint received 2020-07-20
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: Regional Management Corporation (GA)

XXXX. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including Regional Finance. 

3. At approximately, XXXX XXXX, I received a call from the Regional Finance branch in XXXX, Georgia, phone number ( XXXX ) XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from RFC XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (OH)

TD Bank USA/Target Credit XXXX XXXX XXXX XXXX MN XXXX Ph : ( XXXX ) XXXX Acct # XXXX Date Opened : XX/XX/XXXX Address ID # XXXX Credit Limit : XXXX Status : Account Charged off. XXXX $ written off. Past due of XX/XX/XXXX. 

Dispute processed in XX/XX/XXXX. 

Notes : Target said that it issued a credit card to me, but admits to sent it to wrong address. They charged the credit as unpaid collection account as seen in my XXXX XXXX Report. 

Target has proved to be deceitful in presuming that it does the right thing destroying customer credit reports. Due to this, I have to face a steep penalty of not getting home loans due to the company 's negligence. 

I request your kind attention to penalize Target for ruining my credit report. I also seek punitive damages from Target, for the trouble caused to me.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (CO)

Seterus, Inc. was transferred a mortgage from XXXX. The said mortgage was surrendered in Bankruptcy No. XXXX and was discharged on XX/XX/XXXX. Seterus began reporting this mortgage as collections in XXXX. In trying to obtain a new mortgage this came up on the credit report and is hindering us from obtaining the mortgage. Several letters from my attorney were sent advising of this situation and we have had no resolution and they advise it will take 30-45 days to even get a letter from them indicating they were incorrect on their reporting.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from XXXX XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible  Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.
Consumer complaint received 2021-02-21
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: EQUIFAX, INC. (OR)

In XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have previously asked Equifax to update 3 accounts that were chargeoffs but were paid. These accounts were updated to show XXXX balance and the term " PAID-CHARGEOFF '' was added to the Remark section of the accounts. This is not an accurate display of my credit history. These accounts should read PAID-CHARGEOFF in the " payment status '' field not Collection/Charge-off because FICO uses this filed to calculate FICO scores. The " account status '' is of course CLOSED but the status of payment is PAID. Am I wrong??? I think not. 
Another issue unrelated to the previous one is that my credit score dropped 43 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. This with NO ACTIVITY at all in my file for that time span. How is this possible??? 
I'm going to attach all relevant documents to these problems.
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

I open this account approximately a year ago I was told when I opened it that my credit would be evaluated every six months and if I was worthy of a lower interest it would be lowered by Chase. After six months I contacted Chase to ask if my account was evaluated for a lower APR and I was told by a representative that because the Fed had raised the rates several times in the recent past they have not evaluated my account. I called Chase today ( XX/XX/18 ) and spoke with a supervisor and I asked him if my account has been evaluated since it is now been a year and it supposed to be evaluated every six months. I also asked him for which date it was evaluated and what decisions were made about my account. The supervisor named XXXX could provide no date that my account was reviewed nor could he give me any answers about why my rate is staying the same and not going down. I recently read an article From a case your agency just settled with XXXX XXXX and I believe that Chase is also violating the truth in lending act by failing to reevaluate and lower APRs therefore causing the consumer to pay higher rates. I would like someone to look into this please. I understand that a reevaluation of my account does not mean I automatically get a lower APR however my credit score ( high 700s low 800s depending on which credit bureau is viewed ) has went up considerably since I open this card and I have payed down debt. It would seem to me that I am worthy of a lower rate and Chase should have lowered it already on their own as they state they reevaluate account every six months but can not prove this. Essentially the supervisor told me that I just have to trust that he is telling me the account has reviewed every six months but he could not provide me with any dates or decisions made about my account based on the supposed evaluations. The lowest rate on this card when I spoke to the supervisor today is 17.49 % and the high is 29.74 %. I am currently at a 24.74 % rate.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

company involve is experian they are reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX experian did not enter notice of dispute this is a violation of section 623 of FCRA
Consumer complaint received 2021-03-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

Im a first time CASH home buyer and I've been trying to purchase a bank owed property from PNC bank for a YEAR now!!! I've been in touch with my realtor, my title agency and PNC bank weekly and yet Im still a sitting duck. 
Last XXXX I was One day to closing on a Doublewide mobile home on land and there was a title issue. The banks attorney did 90 % of the work to clear title. All that needs to be done to clear title is for the paperwork to be submitted to XXXX ( XXXX ) since a mobile home is considered a vehicle. I DON'T understand what the hold up is. Instead of the banks attorney submitting the final paperwork to clear the title and get me to closing he tried to pawn it off onto my title agency. Since the attorney offered such a low amount of money to the title agency to go into an Escrow acct. to finish his job if he " can't " clear title the underwriters turned him down and that leaves me at square one again. 
The banks ' attorney has very poor to no communication & hes NOT doing his job to get resolve this to get me to closing!
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX   XXXX   My wallet was stole with my driver license social security card and other items now I 'm being sent a bill for {$600.00} for   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   that I did n't open also a Kohls credit card with {$400.00}.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commercial Acceptance Company (NC)

For several months now, I have been receiving harassing phone calls and collection notices from a collection agency named Commercial Acceptance Company, in regards to a debt that's owed to a fire station in the state of DE. I am quite aware of the debt, and it was included in a Chapter XXXX bankruptcy that was filed a year ago. I have told the collection agency this several times. I have also given them the name of my attorney, and the number to the bankruptcy trustee ; but for some reason they continue to harass me directly. Bankruptcy law is supposed to protect individuals from harassing collection agents. I included the debt in my structured repayment plan ; however this collection agency believes that they can operate outside the bounds of federal law. I am attaching a copy of the latest threatening collection letter I have received from Commercial Acceptance Company. It will be the first page of my attachment. You can clearly see their latest letter is dated XX/XX/XXXX. The rest of the attachment is my bankruptcy filing paperwork from XX/XX/XXXX. If you look at page 5 of the list of creditors, you'll find XXXX XXXXe XXXX XXXX  XXXX as the 5th creditor from the bottom. That is the original creditor that Commerical Acceptance Company claims to be collecting for.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX, 2020 To Whom it May Concern : I had a promotional plan for a purchase at XXXX on a Comenity card. I had to pay off the purchase by XXXX 2020. The balance to be paid off was {$450.00}. I paid {$450.00} on XXXX/XXXX/2020. They did not apply the {$450.00} to the purchase. Instead applying it to the amount due in later that month. They then in XXXX charged me {$410.00} in interest. I contacted them and spoke with four separate people and spent hours on the phone. Although each person I spoke with said that the payment had been received to pay off the promotional plan they said that I hadn't paid the " current amount due '' of {$35.00}. That {$35.00} was not yet due and when it came due they applied some of the {$450.00} to the {$35.00}. That then allowed them to charge me the {$410.00} in interest. No one would correct the problem. This is wrong and they refuse to correct it. I need help please from someone. They will not fix the problem. The highest level I spoke to was XXXX ID # XXXX. 
XXXX XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

Covid Assistance program, with Chase Mortgage and then sold to a severing company. XXXX. Went on covid assistance in XX/XX/2020, with Chase. They told me that my mortgage was XXXX XXXX and they would take any payments will be put on the end of mortgage end of covid assistance and my payments should continue as normal. The mortgage was then even to spserving. Covid assistance ended XX/XX/2020. Thats when asked to modify my mortgage and start normal payments. I sent all of information to them that was needed. They have said they can only do a repayment plan thats over {$1000.00} per month more than normal payment {$2600.00} per month, normal {$150000.00} per month. This not any assistance program. They all so said that foreclosure should start in 30days.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (OH)

I moved from XXXX to XXXX in XXXX. I had to apply for a new card because I didn't trust some ppl in XXXX. After receiving my card in XXXX a family member in XXXX got access to my account and withdrew money. I applied for another card and have received it. My problem is I'm in a XXXX home and need my account and routing number. I have called direct express and they told me to call social security because I get ssi. Social security told me to call direct express to get it because they cant give it to me direct express has to. I called direct express back still nothing. IRS told me they need it in order to put my stimulus on it. Please help me. I really dont know what to do now. This has happened most recently XX/XX/2021 XXXX
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VT)

In XXXX, XXXX I filed for a loan modification with XXXX XXXX, the manager of my mortgage at the time. XXXX is the holder of the mortgage. After I missed 3 payments in XXXX, XXXX and XXXX, my mortgage management was transferred to SPS ( Select Portfolio Servicing ). This effectively let XXXX off the hook for dealing with my loan modification request, for which all requested documents had been provided. SPS took over the management of the mortgage in XXXX, XXXX. They began a process of requesting documents over and over again, and I provided them. Due to the time involved, I reached a point in my finances when I was unable to pay my real estate taxes for XXXX. I have now provided the last of the requested documents, but am faced with a new problem. They paid my real estate taxes, and added the amount to my balance. Then they created an escrow account, with my new monthly payment amounting to {$8900.00}. My average monthly income is {$9000.00}. As you can see, the combined mortgage and real estate escrow payments would leave me without any income to pay any other bills, including food. Rather than assisting me, they have made my life more miserable.
Consumer complaint received 2015-05-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

I pulled my credit report on XXXX XXXX, 2015 after being denied a credit card due to my XXXX score being low as XXXX which is impossible only to find that Procollect who has never sent me anything in writing indicating they even had a debt for me has placed more than XXXX collections items on my credit report repeatedly. Some XXXX and XXXX times the same account. This has cause my score to suffer drastically.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (CA)

XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX and Experian. 

My credit reports are frozen at XXXX and Experian, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

XXXX XXXX is not authorized by me to access my credit information. XXXX and Experian are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or XXXX and Experian are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill 2 past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a stressful situation.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion continues to report XXXX at XXXX XXXX account as a collection without verifying ownership.There is no rental application, approval letter, income or leasing verification, ledgers, rent receipts, court documents, or other data to validate this account being mines. I have disputed it but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX refuses to verify ownership.Therefore this account is fraud and identity theft is an issue. I am asking to have it deleted from my TransUnion and XXXX credit reports.