davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (CO)

Monday XX/XX/XXXX STILL ON HOLD since XXXX its now XXXX my first answered call from XXXX  she was going to transfer me to ACCT rep XXXX and I repeated a number of time you transfer me you stay on the line till some one answers- She Transfered me and the line broke off THIS HAPPENS A LOT so back on the phone for a 93 minute WAIT WHAT WRONG my STATMENTS each a every month= for the last 6 month XXXX has finally sent me in my payment review for all of 2020= and it shows the LATE PAYMENT OF {$150.00} now this STATMENT AGAIN IS another {$150.00} in late fees IF I PAY THE LAST three month in late payment ( EACH of {$3500.00} ) that is {$10000.00} plus 4 late fees {$610.00} -- PAST DUE FEE of {$950.00} - total ( {$12000.00} ) THAT STILL IS NOT MATCHING WHAT THE STATMENT SAYS {$20000.00} and that I what I need for some to pay attention to '' '' '' '' and CALL ME by a MANAGER of GREGORY FUNDING THAT UNDERSTANS MY ACCOUNT ALL I GET FROM THE REPS ON THE PHONE IS DO NOT PAY ATTENTION TO TH STATEMENT JUS PAY WHAT YOU ARE SUPOSTE TO {$2400.00} and everything will be all right -- - NO SUCH LUCK -- GREGORY FUNDING at the end of this work out program is going to STICK ME with all the late fees and interest and a whopping $ XXXX bill to get current I want a written statement from GREGORY FUNDING ITS NOW XXXX still on HOLD AT GREGORY FUNDING-
Consumer complaint received 2020-07-17
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. (AL)

I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me
Consumer complaint received 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am currently trying to repair my credit with TransUnion. I sent my first dispute letter Certified Mail on XX/XX/21 and the second dispute letter Certified Mail on XX/XX/21. Both times Transunion have claimed they did not receive it. I have to call both times for an update. I do not see any updates on the website. All they did was send me a credit report.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NY)

I live in XXXX and I had a credit card with Chase, which I cancelled this summer ( I believe in XXXX or XXXX ) and paid off in full, as far as I knew. I remember that I called Chase and spoke to people on the phone to close a checkings, savings, and this credit card account, at which point I know I paid everything off, because that was the entire point of closing them -- my wife and I were consolidating our banking with XXXX. 

I recently got a notice that my credit score had dropped and then learned that Chase has been charging me late fees and interest on the card for months, so that I know have an outstanding balance of {$270.00}. In looking at my statement, it appears as though Chase, in XXXX, charged interest of {$130.00} on the previous balance AFTER I had paid the card off in XXXX, and then just kept charging late fees and more interest on top of that for months after the account was closed, without my knowing. I have received nothing from them formally notifying me of this outstanding balance, nor did the person I spoke to on the phone when I closed the account mention anything other than that it was paid off and closed in full. I 've only received generic 'Your statement is ready ' emails that make no mention of it, and which I viewed as spam since I had already closed the account. I paid off the balance just now so that the problem will go away ( hopefully ), but I also want to make sure it gets reported.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

One day in XXXX, I tried to make a purchase with my credit card and found that it was frozen. I called my creditor to ask whether there was a problem or not, and the creditor said that there was abnormal activity regarding my account. They checked the activity with me and concluded that there were two transactions from XX/XX/XXXX that were not mine : one at XXXX 's for XXXX and the other at Home Depot for XXXX. The creditor told me that they would investigate the matter and give me an answer regarding how the matter would be solved. I made another call to my creditor in XXXX to check the status of the matter, however, the creditor had no answer for me. They suggested that I make a police report. I tried to consult with the police, but they told me that they do not handle matters regarding credit card fraud. In XXXX, I made two more phone calls to my creditor to inquire about the matter. They did not disclose any details regarding the investigation and concluded that the two transactions were not credit card fraud and were made by me. They then closed the case. 

Because of the Coronavirus outbreak, my bank was not open and I was unable to make a visit to dispute the matter. I made another phone call to the creditor on XX/XX/XXXX to dispute the decision and they agreed to reopen the case for further investigation. The creditor required me to obtain proof from the two stores at which the transactions were made. Both of the stores stated that they do not accept personal inquiries. 

On XX/XX/XXXX, I received a letter from my creditor. They decided not to acknowledge that the two transactions were not mine, nor did they acknowledge that I was a victim of credit card fraud. 

I have tried many methods to solve this problem. After calling XXXX, I was given your customer service number and called. One of your representatives directed me to your website to make this complaint.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase inherited my bank account from Washington mutual in The 2008 financial crisis and begin charging servicing fees on what was a free student account at W AMU. Chase is refusing to refund the charges, which I have just noticed on my statements, and is being evasive and uncooperative. in the last two years they have charged XXXX {$25.00} servicing fees and are refusing to tell me how many fees they have charged since 2008. Also, they are only refunding XXXX of these fees and being uncooperative in both the branches as well as the customer service line. They have lied to me multiple times including telling me they would do a service review, when in fact upon follow-up, no review had ever been taken place or there was no resolution. I believe this is an attempt to placate the issue, extort fees from their customers without their customers consent or knowledge, and they should be investigated as well as published.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AL)

My loans were transferred to Nelnet for servicing over the summer of 2022. I set up my account and successfully logged in once. I went back a week or so later and was unable to get in. I reset my password and was able to access my account. About a month later, I tried to log in again, and was not able to. I reset my password again, and was able to log in. Fast forward to today and I can't get into my account AGAIN. Not only are my credentials not working, my verification " picture '' keeps changing and rarely gives me the correct picture. 

This is making it IMPOSSIBLE to keep up with my student loans and changes to payments/forgiveness due to President Biden 's student loan forgiveness and/or payment deferments.

I can't even imagine how difficult it will be to make payments consistently and on time once they start back with this servicer. Of the three or more different servicers I've had, Nelnet is by far the WORST. 

If I can't do sometime so fundamentally simple like logging into my account how can I possibly trust this servicer with protecting my bank account information and correctly managing my payments?
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Account Resolution has placed an unpaid medical collection account on my credit reports. On numerous occasions, I've requested proof of debt, a statement or breakdown of charges/fees owed from the hospital, and/or contract bearing my signature yet ARS have provided nothing of the sort. I received a response letter to my request simply stating my name, social security number, an amount owed of {$1600.00}, and the name of the hospital which is inadequate. I do not recall this particular hospital visit and is simply requesting adequate proof that can substantiate the alleged debt so that I may review all the charges to ensure that they reflect the services I allegedly received. This matter is seriously injuring my credit profile/scores, in the midst of a pandemic no less.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I was going over my credit report and there are several accounts that were closed and written off XXXX and the legal statue of limitation has ran on any legal collection of debt claim very old accounts XXXX XXXX XXXX  state that the accounts were opened in XXXX and that is not true at all. That the year they bought the old debt. This agency has some how went into court on a fraudulent Service of summons which they served paper at a home address that in no way is my home address at all. They never contacted me in anyway during the legal debt collection term,
Consumer complaint received 2020-07-17
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Choice Recovery, Inc. (NE)

On XX/XX/XXXX a letter was received at an address that belongs to my mother, and one that I have never been associated with. 

The document included amounts paid and owed in a judgment against me. 

I have never lived at the address that they sent the information to. I had previously received communications at my personal home address so there should have been no confusion as to what the proper address for me is. 

The letter received was sent from a law firm that Professional Choice Recovery had hired. The law firm stated that the address they used was provided by Professional Choice Recovery even though it was incorrect.
Consumer complaint received 2016-05-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern : Back in XXXX XXXX, I was laid off from my job at XXXX XXXX for a year. My last mortgage payment was XXXX XXXX. 
While urgently trying to seek employment I worked every week for over a year with BOA in hopes to secure some sort of modification and/or assistance, since I was unable to make my mortgage payments. For the first XXXX months, I depleted savings and borrowed money from family and friends. Unfortunately, after XXXX+ phone calls, emails and letters to the BOA , FL State Attorney General, Congress , XXXX, Office of the Comptroller of the Currency, etc. the list goes on and on I could not get anyone from BOA to assist me properly. 
Finally, in XXXX XXXX XXXX XXXX hired me back but the job was a project based in XXXX. I left the United States XXXX XXXX and returned XXXX XXXX. 
I hired an attorney to assist me as I was not getting anywhere with BOA to modify the loan. There were times I was told I was approved, I sent payments that would be returned. Then XXXX XXXX, we were due to go to mediation and BOA dropped the lawsuit stating my loan was satisfied ( see attached ). My attorney attempted numerous times to contact BOA to advise them of the mistake and no one would look into the situation. 
I then was contacted by BOA XXXX XXXX stating I needed to bring the loan current. I worked with my attorney and submitted several application packets. 
XXXX XXXX, XXXX we met for a response to complaint unfortunately I was faced with another lay off as of XXXX XXXX, XXXX and found a job in XXXX XXXX but recently changed to XXXX XXXX XXXX XXXX. 
I would like to retain my home and have recently had a motion to withdraw my council in hopes to work together more efficiently. I have a HUD counselor but I 'm not getting too much support. 
My intention was NEVER to drag this process out. I logged XXXX of calls, XXXX of applications and received promise after promise but now they have an XXXX XXXX, XXXX forclosure date. 
My loan was a no docs/interest only adjustable loan with Countrywide. There were XXXX class action law suits that I quailed for additional funding support and BOA has repeatedly ignored my request. 
If you have any questions or require further information, please do not hesitate to contact me at XXXX. 
Thank you for your consideration and I appreciate any help you can offer me.
Consumer complaint received 2022-04-01
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)

In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX ( {$19000.00} ) -XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) -XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo has continued to email me various Wells Fargo advertisements since XXXX, when Wells Fargo decided to close my checking account. For a long time, Wells Fargo emailed me advertising for multiple products, and I felt that this was going too far. What I don't understand is that my bank account has been closed for weeks, why is Wells Fargo still sending me multiple ads? Wells Fargo forced me into expensive financial products that I didn't need or even wanted. Wells Fargo 's behavior bothers me a lot. I hope that the relevant authorities can effectively monitor the business of Wells Fargo and no longer cause trouble to customers.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

You are reporting collections as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (WI)

I complained about LexisNexis providing fraudulent information not obtained by the current 3 credit bureaus and said information was provided to XXXX XXXX XXXX XXXX, they disputed two items on my behalf, one has been added to a current ongoing Class Action law suit being conducted by the CFPB on my behalf and the other regarding the fraudulent Judgement is currently under investigation by Legal Action. I received via US mail two copies of a unauthorized background check conducted by LexisNexis and provided to XXXX XXXX XXXX XXXX  which in turn they forward to me since no one requested this violation of my privacy. I was a victim of identity theft and they are reporting information they was deleted by all three credit bureaus, XXXX, XXXX, and XXXX. There are to addresses listed that I never resided at in this report they are openly displaying all of my personal information. The credit bureaus dont even do that, they block out the first five numbers if my social security number to protect my identity, my drivers license also is openly exposed subject to identity theft as well. They are listing three addresses I never resided at, 1. XXXX XXXX XXXX XXXX, XXXX, WI XXXX, 2. XXXX XXXX, XXXX, Florida XXXX with no street address. 3. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, which is the address to the XXXX XXXX. The report goes further exposing very private information regarding my personal property ( mortgage ), exposing phone numbers, email addresses, information regarding my vehicles purchased, insurance claims, and where I currently bank, including the miss spelling of my legal name which confirms indenting theft, this is clearly an egregious violation of my constitutional rights to privacy. This unauthorized investigation goes back more than 36 years. I am now a possible victim of identity theft again due to this violation and exposure of my personal information, this information now has been circulated to places that did not request nor were authorized to receive my very private information. 
I contacted LexisNexis about the unauthorized background check on me which is a violation of my constitutional right to my privacy. I was given the run around and no manager would take my call. I then asked the person by the name of XXXX how did LexisNexis get access to my drivers license number and social security number, which is not public information and she answered that they have ways of acquiring the information and I asked her how because that constitutes as identify theft, and a blatant violation of Federal Law.
Consumer complaint received 2020-05-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}
Consumer complaint received 2021-03-01
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: SYNCHRONY FINANCIAL (AL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, SYNCB/TJX CO DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-03-01
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: Bread Financial Holdings, Inc. (AL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired on XX/XX/XXXX, COMENITYCAPITALXXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-06-22
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: SYNCHRONY FINANCIAL (SC)

On my credit report, I have a hard inquiry by XXXX, whos description is National Credit Cards/Airlines. After calling XXXX XXXX, they kept giving me the run around, tons of transfers to different specialists, and finally given a fake number to call. Tried to get back in touch, a different operator told me the only thing they can do, is to have me call the bureau ( XXXX ) whom told me to call XXXX XXXX   and get an inquiry deletion letter and mail them the copy with numerous other things. Although XXXX XXXX will NOT give me one since they do not know me or have an account with me. 
Also, they have no clue about the description National Credit Cards/Airlines so that just made everything even more confusing. Im in a circle of being told to call people over and over.