davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SD)

My Mom has a credit card with XXXXXXXX XXXX Credit card. She is XXXX years old. She fell at the beginning of XX/XX/XXXX and was admitted to the hospital. She was in the hospital for 3 weeks and now in a XXXX XXXX ever since. I live in another state and my sister lives an hour half away from my mom. We were able to get my mom close to my sister. Over XXXX XXXX weekend I was able to go home to pick up the mail and look at all the bills I have called all the outstanding bills including a XXXX credit card. They heard the story and XXXX  waived the late fees and I paid all the bills. When do called XXXX they told they were not able to change or make adjustments accrording to their policy. I was a little frustrated but I asked what the steps we can take to waive the late fees and get the bill paid. They instructed me to have my mom call and add me to the account and say that I can talk to them on her behalf. They said I will be able to talk to them about late fees change address etc.. I said ok I will see what I can do. I called my sister and instructed her the steps. She went to my mom at XXXX. She helped my mom get to customer service to add me to the accout so I can talk to them on her behalf. I then called back to request the late fees. They could see the notes from the previous week and that my mom called to add me to the account. However they were not able to talk to me about late fees because I dont have poa on the account. I was lied to the week before because they did not instruct me on that subject. I wanted to close the account and they told me they could not have all to me on the account. Im very frustrated with them and I have a bad feeling that they pursaded my XXXX  year mother in opening an account.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report. 
JPMCB - CARD SERVICE XXXX
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX XXXX for {$480.00}, and Capital One for {$190.00} and {$190.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 
I did as the lender asked and repaid the {$480.00} from my XXXX XXXX XXXX and the {$190.00} and {$190.00} from my Capital One MasterCard. 
The deposits were returned on XX/XX/2021 - over 30 days later. 
The deposits were made from a XXXX XXXX XXXX account. 
Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that XXXX XXXX could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Date Posted XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX misc.debit XXXX Contacted Chase XX/XX/XXXX to report fraud and received a temporary credit of XXXX while they investigated. I received a letter in the mail from chase ( XX/XX/XXXX ) that claim was denied and the temporary credit will be reversed on XX/XX/XXXX. Called Chase XXXX XX/XX/XXXX XXXX to escalate/appeal case and was told they were unable to escalate/appeal. Contacted XXXX ( XX/XX/XXXX ) location where charges occured, no managers available to resolve.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

XX/XX/XXXX fell in between the grace period, there is an unexplained late charge attached to my mortgage that needs to be removed. The company told me to have my lawyer explain it when I called. BSI does not credit your account until the money gets deposited in the bank. Not when they receive payment. It seems every time I file a complaint, I am penalized with an unexplained fee added to my mortgage.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

When I lost my job, I contacted Navient to ask for a forbearance and was told that there were no options available to me. I graduated from XXXX in XXXX. Unfortunately, I had requested a forbearance when I did not XXXX on the first attempt and had requested a forbearance again when unemployed in XXXX. According to Navient, I exceeded available forbearances and they would pursue collections against my co-signor who is now retired and on limited income.
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-06-05
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. (WI)

Equifax responded to complaint XXXX filed by me to the cfpb per their response equifax connects with XXXX XXXX and XXXX XXXX connects with pacer PACER. serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. 
Because court records ARE public, any person or organization can view them through the PACER system Equifax is in violation of the fair credit reporting act because Equifax did not verify directly with the Bankruptcy court. 
Pacer.gov is a third party entity that collects information and then sells the information to Equifax and other credit reporting agencies. 
Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccuracy because the information was placed on my report by a third party pacer system. I feel I am a victim of scrutiny.
Consumer complaint received 2024-01-25
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (CA)

This Account is not mines it just popped up out nowhere today never seen this account until today I've never opened or done business with the company / business... Please help this is affecting my life, stress, and keeping from taking care of my family affairs. this account is not mines. please remove right away please and thank you. 

Overview You have 100 % left to pay on this collection. 

Balance {$180.00} Highest Balance {$180.00} Opened XXXX. XXXX, 2022 ( 5 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

My mortgage was purchased by Pnc bank. The mortgage is is due the first of every month .. and I have a grace period until the XXXX I set up via Pnc online to have it drafted on the XXXX today on XXXX XXXX .. I get a call from PNC as an attempt to collect debt.. that I have paid my mortgage payment the call was harassing.. and I asked dont you see that I am set up to draft on the XXXX the individual said no he doesnt have access.. the call was harnessing.. I had to spend another half hour to confirm my mortgage is setup.. thank Gd I have always paid my bills on time..
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

During most of XX/XX/XXXX and XX/XX/XXXX, I would make my monthly loan payment and pay extra towards the principle amount of my loan. Santander Consumer Loans decided to take the additional money paid and put it into an Misc Fees and not apply it to my principle. It took months of phone calls, lies from representatives, and numerous arguments until I took my statements to my bank and called with a bank representative. It was not until then that my account was rectified. Now XX/XX/XXXX, the same issue is happening. I get told that " if I pay a day early, I get charged more interest '' or " we have no obligation to apply your payments they was you wish ''. I have a payment in XX/XX/XXXX with {$90.00} towards principle, XXXX towards interest, {$30.00} towards fee payment, and {$83.00} towards another fee payment. That's just the beginning of dealing this scam company. Please help. They truly need to be investigated.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Account was open on XX/XX/2014 I was late twice due to financial hardship and being unemployed. I have been current with my payments since then and they will not remove late payments stated it's against the law to remove reporting from credit bureaus and they can get in trouble with XXXX  XXXX and XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I started disputing an account that is on my credit report that is not accurate. There were mechanical problems with the car and when I took it back to the dealership to get it fixed, I went back a few days later and the dealership was closed up and gone! It's now another company and no idea where the car went that I had taken for repair. I should not be penalized for a dealership going out of business and taking my car with them!
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Sir, My XX/XX/2021 fixed-rate mortgage balance was {$35000.00} .I made a payment of {$590.00} in XX/XX/2021 which has been applied. Based on a simple interest rate of XXXX the interest deduction by Rushmore should be about {$140.00} and my principal should be about {$400.00}. My current balance should be about {$34000.00} not {$34000.00} as Rushmore has in their statement. As always I have asked them to correct this to no avail. I am not owing them an other money. Attached are printouts from their statement. Please intervene.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

One Main Financial aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Good afternoon as always, I make my payments on time XXXX usd,  over a 2.600 loan that I took back on XXXX, XXXX representative told me that I can pay more money in addition to my monthly payment in order to decrease the principal amount, the interest rate is 179 % insane but I agreed, anyway when I make a payment with extra money it never goes to the principal, and when it goes to the principal they take between 10 to 15 days even a month to be reflected in the principal amount, so when is time to make the monthly payment they charge me 179 % over the principal they had to has decreased already because I make an extra payment the last cycle, but I does not, they apply 179 % to the old principal amount, and once I make the payment days after the extra money appears and the principle never goes down. 
I pay XXXX usd every month in addition of that I always pay XXXX or more, supposedly the XXXXusd are interest for XXXX usd with 179 %, logical if I pay XXXX additional the principal should goes down XXXX or even a little be more, but with XXXX never happen you call them and they make up arguments, fees and a bunch of things that you never agreed with.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

A recent adjustment was made on my account and Bank of America removed {$.00} from my account that I had overpaid on my statement. Contacted customer service and was told a check was mailed to the address of record on XXXX XXXX, 2017.  Informed the representative that I had not received the check. He informed me he would do a stop payment on the check and they would reissue. Asked him to supply me with the check number and date of the check to prove to me that a check was issued. He said he could not provide me with that information. He nor his supervisor could not explain why Bank of America did the adjustment or where the funds went. This adjustment has happened to me in the past and I was told this was a system error and the problem was corrected. If the problem was corrected why did the adjustment happen again.?
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

To whom may Concern The XXXX reference number is XXXX amount of {$700.00}. 

I have no knowledge of this account from XXXX XXXX. I request that you please verify the following information to assist identifying whether this debt is valid : The account was first reported XX/XX/XXXX. 

On the following dates of XX/XX/XXXX the account was closed from my XXXX credit report and then added again. 

Also on XX/XX/XXXX the account was again removed from my credit report then added back again. Screenshots added. 


If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my FURTHER Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any ACCOUNTS which were opened without my knowledge, consent, or authority within XXXX business days. 
XXXX XXXXXXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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. (GA)

My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!
Consumer complaint received 2018-06-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

My husband lost his job in XX/XX/XXXX. I was a stay at home mother at the time and hadn't worked a fulltime job in 15 years, Pre-emptively, because my husband was having some XXXX XXXX issues, I contacted Wells Fargo in XX/XX/XXXX and asked for forbearance. I was told at the time, now I know better, that they " didn't do that ''. When I asked what recourse I would have, because I literally would have no income coming in until I could find a job, I was told that I would have to actually be behind on my mortgage and call back so that the process of modification could be started. I found a job, though making a fraction of what my husband made, and didn't make the next month 's mortgage payment. I eventually was told that I would need to submit mountains of backup paperwork and agree to make a minimum mortgage payment for a 3 month period. I went through that process over and over again until the next year. I asked repeatedly about what a modification actually was and whether or not my credit would be affected by the process and was told over and over again that it would not affect my credit. Eventually, a woman showed up at my house with only the signature pages of documents for the modification ( NO original documents of any kind were left with us ) and we signed while she notarized them. She claimed she was just a notary and had no access to the documents, she couldn't explain anything to us, she knew nothing. I questioned our loan representative about what had actually transpired and he explained that our principal had been modified and we would now make lower payments. Long story short I eventually found out that we had a " silent second mortgage '', I had never even heard of this. I asked if/when it would be released and was told first that if we made 12 months on payments on time we could ask for it to be forgiven. A year later I was told it was actually 24 months. Two years later, none of that was true and it will never go away, so I actually with all of the fees, interest, etc,. now I owe more on my upside down mortgage than when I started out. I am hoping that the phone calls have been recorded at Wells Fargo. Also, I received a letter in my husband 's name stating that an account had been closed, one that we never authorized and had no idea had been opened! My credit is ruined, because Wells Fargo continued to show our account as delinquent though we were making the payments on time. When I called about this, I was told I could always refinance with another company. Of course I couldn't though, because they ruined my credit. In XX/XX/XXXX, I requested a payoff letter and also spoke on the phone again with someone hoping to get forgiveness on the silent second and was told I didn't have one. I waited on the phone while he checked, and he claimed there was nothing in the file about a second mortgage and sent a payoff letter only listing the first. However, I checked the recorder 's website and it is still there!!! Help!