davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : 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 under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX/XXXX/2015 XXXX XXXX ( XXXXXXXXXXXX ) XXXX XXXX. This is a HARP loan refinancing reservation number XXXX. All the paper work has been completed ( see attached ). After 45 days I got a letter saying the loan had been declined because : Ineligible Subordinate Financing. I called XXXX XXXX XXXX they have no problem in signing a subordinate Agreement.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

An overseas representative at Chase Bank illegally and illegitimately flagged my account for fraud and charged off my account after I requested to speak to a supervisor. Chase now refuses to correct the issue, and has been holding my money for more than a week. Chase refuses to investigate this employee or undo this. Chase 's rogue employee has severely damaged my business, my credit, and has violated innumerable laws. The complaint originated because Chase has not been recognizing deposits or transfers from other banks in a timely manner, and has thus charged overdraft and associated fees. Additionally, Chase was requested multiple times to stop charging an administrative fee which did not even apply to my account. Since this fee was never removed or credited, all of the other overdraft fees are invalid, since once reapplied, the account was in a positive balance at all times. Additionally, at the time of the closure and charge-off, Chase was in receipt of more than {$3000.00} in direct deposits and instead of recognizing them in a timely manner as proscribed by law, they instead closed and charged of the account, and only recognized the deposits at XXXX, subsequent to them flagging, and charging off my account. This all happened in a XXXX hour period overnight.
Consumer complaint received 2017-02-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. 
She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. 
I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. 
They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. 
I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. 
I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. 
Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! 
I have no idea what to do anymore.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TN)

My complaint is that WellsFargo does not disclose how payments are applied to balance transfer fees or other fees. There is no written document that explains the process. They also do not provide information on the credit card statement that indicates how payments were applied to the account. For instance, how much of a payment in excess of the minimum was applied to fees, balance transfers, cash advances, or regular purchases. 
This practice has caused me to incur interest charges on my purchases. On XX/XX/XXXX, I made a payment of {$460.00}. Upon calling the company and speaking to both XXXX and XXXX on XX/XX/2022 I was informed my payment was allocated as follows : {$73.00} to minimum payment ( which was only supposed to be {$71.00} ), {$160.00} to purchases and {$220.00} to a balance transfer fee that is 0 % interest. These representatives also told me that payments are applied as follows : Minimum payment, highest to lowest APR, promotional balances, fees, and lastly principal. I filed a case XXXX and was assigned to XXXX XXXX In the executive offices. She never called me. I always had to call her. She no longer answers my calls. On XX/XX/XXXX I called her and was told that she asked another department how the fee should have been applied because she could not find any language in the documents. I called again XX/XX/XXXX and she told me that department did not know, so she was waiting on another. On XX/XX/XXXX I left another message. When I never heard back I called the main number for XXXX offices and spoke to XXXX. He said XXXX mailed a letter on XX/XX/XXXX explaining the decision. I had specifically requested the findings in an email. I asked for a manager, someone above XXXX and was told they were all in meetings and XXXX would call me the next day. She never did. I received the letter on XX/XX/XXXX that said they could not document any conversations with any representative about fees. I know the exact date, time and person I spoke with each time I called. She enclosed the terms and conditions for a credit card, but it was not for my type of card, as mine was an existing card, not a new account. Nevertheless, it did not mention how fees were paid. In fact, it specifically says higher interest rate balances are paid first. She did not disclose how she determined that fees are supposed to be paid first. I have since reopened the case.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I reached out to this company and filed a dispute for a account opened without my consent the company did there investigation and replied to me they spoke to a female which stated she opened the account and referenced me so they held me liable for someone else requested another dispute this investigation resulted that a plane ticket was purchased with the card but they never did a thorough investigation to see if the tickets were in my name just a transaction on the account my Credit Rights and Civil Rights are clearly being violated
Consumer complaint received 2020-11-26
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: EQUIFAX, INC. (IN)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Credit Systems,Inc. (FL)

On XXXX XXXX 2016 at XXXX am i received a phone call from debt collector call National credit systems inc. That lady call me ( XXXX ) she told that she called about a debt that I own XXXX apartment i told her that I do n't own XXXX apartment and i told her what is the debt about and she said that for carpet removed and painted the apartment i said i do n't think so cause i do n't own them and told that what argument I have to support my case, I did n't gave her my arguments because she talked like the XXXX XXXX office. After a week i received a letter from that debt collector, i call to dispute the case right away and i received that same lady name above she forced me to give her my arguments explain to her A thorough Z to support my the case. She put me on old and never came back i hang up the phone after a hour i call back and she changed everything everything about the debt i said ok send me the document that XXXX send to collect the debt and she says no she ca n't send to she says that she gon na send me another letter to send her document to support my statement and i told her XXXX did n't gave me that option to have those documents. ..
Consumer complaint received 2015-07-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A. (OH)

XXXX, ( XXXX ), has contacted my husband and I many times the past year to collect a debt that we did not know we owed. We got a pack in the mail issuing us to go to court so we called them and they said if you send in a paper stating a payment plan that could be set up, have it notarized, send it back within a week than we would n't have to go to court. We wrote out a paper stating that we would pay {$150.00} a month till it was paid off that same day, had it notarized and faxed it over and called to confirm they received it. While paying them they were very rude about any questions that we had and regularly gave us the run around when trying to find out how much we had left to pay or even if they were getting the payments. Many times they hung up on us or would simply put us on hold till we hung up. We had one gentleman that works for them call us at XXXX at night to ask if we sent a payment in and when we asked who it was he hung up on my husband. The law office works very strangely and is not very nice. We eventually got in contact with who the debt was originally through and made a settlement offer through them. When they approved the deal, they contacted XXXX and told them we could pay off the loan in the amount of {$2000.00} on XXXX XXXX 2015. We made the check out and sent it in and asked for a paper just stating that the debt was paid off and we did n't have to worry about it anymore and they never returned our calls or sent us anything in the mail. A receptionist called my husband 2 weeks ago on XXXX XXXX 2015 and asked if the debt was paid off. He said yes and we are still waiting on a paper confirming it. The lady rudely said that it was cleared up on their end and hung up the phone. We still have not received a paper confirming the debt payoff.
Consumer complaint received 2018-03-16
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: EQUIFAX, INC. (CA)

XXXX XXXX  XXXX  is showing a school loan on my credit report. This is NOT a school loan. It is not through the XXXX XXXX XXXX. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT XXXX XXXX XXXX. The amount of {$730.00} is incorrect, the Account name of " XXXX  XXXX XXXX '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, Equifax and XXXX already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I was an Authorized user on a Navy Federal Credit Union ( NFCU ) Credit Card the account went in default, I requested that all XXXX major credit bureaus remove this negative information from my account because NFCU refused to do so even after they acknowledged that I was only an Authorized user. XXXX and XXXX removed the negative information immediately. XXXX will not remove any negative information regarding NFCU I have tried twice with no luck please help.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

BSI Financial Services purchased our loan from XXXX XXXX XXXX. We were and are in an active Bankruptcy. For over a year, BSI Financial did not apply payments made to the loan, they put them in the escrow account. Since they did not apply payment correctly, they are charging interest and penalties on the loan that was paid. For 6 months we have been trying to work with the bank to get an accurate balance. We have had a lender that was willing to pay off the loan but BSI has been unable to get the payoff amount or balance due in 6 months. They are also continually reporting the loan incorrectly to the credit bureaus since they have not applied payments correctly. we have had a few discussions with our representatives and they always say they are working on it. Recently we have had update calls scheduled but they do not call. The person at BSI who says he is going to resolve the issues is XXXX XXXX. I believe the loan is now paid off, but they have fraudulently added more than is owed to the loan and are fraudulently collecting on a mortgage debt we no longer owe.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Fidelity National Information Services, Inc. (FNIS) (WV)

On XXXX XXXX, XXXX, I applied for a bank account with XXXX XXXX Bank in order to receive discount on a new vehicle loan. The account was initially approved but then refunded due to a report from ChexSystems. I knew of no reason for the report so I contacted ChexSystems via their website XXXX XXXX, XXXX. I asked for VALIDATION of said dispute on their email system. They sent me a letter dated by them XXXX/XXXX/XXXX, however it was the XXXX that I received it. Letter stated they would investigate and return information within the required 30 days. A letter dated XXXX/XXXX/XXXX was then received by me saying they had verified the information and it would not be removed. It did not explain their procedures or validate the accuracy. I received the letter in mid XXXX. I was able to finally get a phone number ( not from their site ) and called, the person had a foreign accent and was rude. I then verbally and in writing demanded VALIDATION. I received a letter in XXXX, dated by them XXXX/XXXX/XXXX, stating again that they would investigate and get a response within the 30 days as required by law. Finally I received a letter dated by ChexSystems XXXX/XXXX/XXXX saying they now could not verify the information and it was removed. I have all these letters. Also, in my state, they withdrew their bond and their license was terminated in XXXX. The paperwork is too much to scan and send but I can provide it. They obviously stalled and obstructed the compliance procedure. Simply though, they broke the law by not providing accurate information of their verification process and doing so was not in legal time frame and they are not a legal entity in my state, with no Resident Agent ( which I asked for and never received name thereof ). It took from XXXX to mid XXXX to have it removed, clearly not within 30 days.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

Citi mortgage viciouslly pull my credit report without my approval, I did approved once not twice. I want them to stop this, also misspelling my name and incorrect address on important forms. Not responding to my calls. I send emails and they have no idea way this happensXXXXXXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX this is his contact informationPlease I need them to stop this unfair practice.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
DPT EDXXXX XXXX Balance : {$9500.00} ; DPT EDXXXX XXXX Balance : {$1600.00} ; DPT EDXXXX XXXX Balance : {$9600.00} ; DPT EDXXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT EDXXXX XXXX Balance : {$6400.00} ; DPT EDXXXX XXXX Balance : {$4000.00} ; DPT EDXXXX XXXX Balance : {$2400.00} ; DPT EDXXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT EDXXXX XXXX Balance : {$2000.00} ; DPT EDXXXX XXXX Balance : {$9100.00} ; DPT EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$4200.00} ; DPT EDXXXX XXXX Balance : {$6500.00} ; DPT EDXXXX XXXX Balance : {$2700.00} ; DPT EDXXXX XXXX Balance : {$5400.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (CA)

This company called Credit Protection Association , L.P has been calling and sending me letters regarding a {$100.00} debt of unreturned equipment to XXXX. I am a current XXXX customer, and have contacted XXXX. XXXX customer representative at the collection department told me I do n't owe them any debt, and even told me that they do n't work with a company called Credit Protection Association , L.P . They suspected this is a scam and recommend me to block the call. I am still receiving letter about this debt, and also received a notice of report to credit bureaus from this company. I also noticed online many scam complaints regarding this company. Please help!!
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Acceptance Solutions Group, INC (TX)

I have asked to move one payment to the end, or end the loan and they will not let me. TheyXXXX tell me the amount varies each time i call, and the only thing they will offer is more money. I have already paid them back more than what i was loaned out. They have terrible customer service