davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This was an original that with Capital One, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last XXXX years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CT)

I purchased XXXX cosmetic creams from an ad I saw on XXXX. After doing so I told my friend about it. She said it was a scam and that I should call my bank right away. I emailed Chase Bank that same day and told them this and instructed them not to allow any further charges to my account. They told me to contact the merchant which I did. The merchant said they would only give me a 50 % refund of XXXX charge ( there were XXXX charges altogether for only XXXX items received ). The ad said pay only shipping. The first XXXX charges were {$1.00}, {$5.00} and {$4.00} which I figured was shipping charges ). On XXXX/XXXX/16 they charged the XXXX additional charges of {$94.00} and {$89.00}. I was told I would have to call another number to dispute the {$89.00} charge. I refused to accept only 50 % refund and hung up. The girl called me right back and left a message on my answering machine that she would refund 75 % of the {$94.00} but I did n't call her back. I contacted Chase Bank again and told them about this. I was told that they could not help me. I contacted the merchant again through email and was told that they have no record of my information or orders. The bank went ahead and paid them the additional amounts of {$89.00} and {$94.00} and charged me XXXX insufficient fund charges of {$34.00} each.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

My name is XXXX XXXX XXXX Transfer No R XXXX I sent {$570.00} on XX/XX/2020 Still I didnt get deposited to my account. I called them couple of times but they didnt pick up the phone. There is no customer, chats and Email Services is available at all. I want my money back from Remitly.
Consumer complaint received 2015-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.
Consumer complaint received 2022-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

This loan was a fraudulent loan. In which a law suit has occurred. I would like them to remove the loan from my credit history. And repay me any money that I have already paid to them, they ordered me to pay through my employer.
Consumer complaint received 2016-06-28
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

Loan has passed 7 year period on credit, date of 1st delinquency was XX/XX/2009 and its still showing on my credit report. I called and disputed it with credit bureaus and I was informed that it is reporting as a good debt and will not be removed. Wells Fargo has updated my credit file by changing the reporting date which may be causing account to remain on credit even longer. Status of this account was foreclosed and sold and reporting as a foreclosure this is not a good debt.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I reported the below XXXX items at least 7 times to Fraud Dept. immediately and never received the credit : Confirmation numbers of reported the Frauds : XXXX done with XXXX XXXX, XXXX Manager, XXXX done by XXXX, I also spoke with XXXX XXXX in Fraud Dept., And I sent a Facsimile. 
Again, I have the original documents with notes : XXXX XXXX XXXX, XXXX, CA XXXX/XXXX/XXXX {$54.00} XXXX XXXX XXXX, MN XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$23.00} Although I reported these immediately no credit was issued. 
I have original documents and above are some emails sent to the prior manager, XXXX XXXX.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (PA)

This is an on-going saga with a home foreclosure that was the result of a divorce. The first mortgage was transferred through several financial institutions and is recently being serviced by Shellpoint. My ex-husband stopped paying on the mortgage years ago and rather than start the foreclosure, XXXX XXXX XXXX sold the mortgage which ultimately ended with Shellpoint. The original mortgage amount when it was originated in 2004 was {$120000.00}. In XXXX, the balance reporting was {$120000.00} and in XXXX the balance is reporting {$150000.00}, a full {$26000.00} more than the principal balance. It seems abusive for a lender to transfer and delay the foreclosure of a property only to continue to accrue interests and fees. I 've practically begged for both XXXX XXXX XXXX and Shellpoint to complete the foreclosure, yet to no avail and now the account is being assessed an additional {$26000.00}. I am at a loss to what I can do at this point.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

XXXX XXXX MD, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXXThis dentist filed a delinquent report on my credit report. He my dentist and I have never used him.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. 

The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. 

This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. 

We have submitted another appeal and we will continue to push this with Ditech
Consumer complaint received 2022-09-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureaus on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously submitted a CFPB Complaint last XX/XX/2022, requesting the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureaus chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (TX)

I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Andreu, Palma & Andreu, PL (WA)

I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.
Consumer complaint received 2017-02-23
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Regional Management Corporation (AL)

I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion did not investigate any of my disputes. I submitted disputes to TransUnion about XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have contacted both companies and neither XXXX or XXXX XXXX has received any notice that I am disputing the entries on my credit report. I believe TransUnion is lying about actually investigating my complaint and the have NEVER sent me any proof that they were investigating. They also refused to put a 90 day alert on my credit report.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I had called to try to make arrangements to catch up my car payments, so around XXXX/XXXX/15 i called my car company and asked the representative to setup a payment on my account and to take out XXXX payments on XXXX/XXXX/15 ; I realized that she had included late fees, so I called today to adjust the amount because I could n't pay the late fees but was able to pay the XXXX payments as scheduled ; The representative said that she needs to get a managers approval ; Then all of a sudden I think her name was XXXX jumped on the phone ( now this isnt the XXXX time me and her didnt see eye to eye. She wanted to know the reason i was reducing the payments ; advised that i was trying to get the payments caught up and then i will pay the late fees ; she told me that according to my history I dont stick to my arrangements that I set up ; I then got upset and advised that she can cancel the payments all together and I will just come in and make the payments ; she was irate and belittling ; i ended the call because advised her that I will be late back to work soon. I called back to try to speak with her manager and to cancel the payments ; I was xferred back to her and I kept asking for her manager but she wouldnt give him to me ; I asked his name several times and she sd XXXX ; I asked to speak with him but then she was asked if I was going to terminate the call again. I dont want to deal with them as my car company any longer and am trying to catch up on payments so that I can try to make XXXX payments and just pay it off sooner, I feel like she was belittling me and kept referring to me being a collector myself I should know how it is ; I then told her I am not giving her permission to take any payments out of my account then and sd tht I cant stop them from taking what is owed. I will be seeking legal advise as well.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.
Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

Hi my name is XXXX XXXX XXXX XXXX XXXXXXXX I have went in on XXXX XXXX XXXX to purchase a XXXX XXXX in XXXX toyota in XXXX XXXX XXXX XXXX. in which I put down a {$1000.00} payment for a XXXX car it was a lease at the time because it was what we could do between my mother and I a year later she advise me to finance with my then partner because we could use the car for financial gain and it will be a great investment so we went ahead and put in the paperwork and we finance they ended up putting the registration of the car solely on partner name who was there to support me financially to be able to finance the car but they left me out of the title which has been a nightmare to be able to register the car because they need to release the title to the DMV We have not been able to being that he has issues w his license. both my them partner and I have went to the DMV countless of times wasting gas risking getting arrested driving this car there to be able to try and resolve this problem and Toyota has done nothing but continue to want to collect payments from my partner. We've been holding our end of the contract and on the XXXX Time that I went to the DMV they tell me that this car is not financed it's lease I am extremely upset because I lost my job due to the pandemic and this car was supposed to be something that I can use for XXXX to be able to pay my credit cards and keep afloat and pay the car we have not been able to successfully keep paying this car on time which has done damage to my credit and my partner 's credit it also has become a nightmare because I have not been able to find a job in these hard times and inflation hasn't helped much because we had had to put the car payment on the back burner to be able to keep our family of XXXX afloat I am thoroughly disgusted with the treatment that I've been getting I have a bunch of products on my payment that I don't use, the car is showing me signals of electrical issues and we have been threatened by the state police that they're going to tow the car back to the dealership on top of that it has cost XXXX XXXX  and stress dealing with Toyota we can't refinance we can't get out of the loan and now we realized that I just paid {$24000.00} on a car that we can't see a benefit from we need help we need to make sense out of this we want our money back I want them to fix whatever is wrong on our credit because they ran out credit four times for whatever reason on top of late payments because of not being able to make the payments. We will not be paying any taxes on that car at the DMV we want them solely responsible for the nightmare these people have been a nightmare
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least five days before it appeared on my credit report.
Consumer complaint received 2022-02-13
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. (LA)

I've tried to dispute a XXXX account that a fraudulent account because I was in XXXX also a account with XXXX XXXX  and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks please help
Consumer complaint received 2017-03-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WI)

I am a co-applicant on an FHA home mortgage through Chase bank. The primary applicant was discharged under bankruptcy in 2016 and did not reaffirm the debt. Chase bank is telling me that I am bound under the same terms of the primary applicants bankruptcy and no longer responsible for the mortgage debt. I did not file bankruptcy. They have stopped reporting to the credit bureau and telling me I have no rights to the loan because of the bankruptcy. They can foreclose. I ca n't refinance or sell they tell me. Please help and advise.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it with my signature. Look on my credit report for the last day of activity and date reported, they are violating my rights they are reporting only to XXXX XXXX XXXX and the last activity date is reporting to transition as updated recently but last time it was reported on XXXX XXXX XXXX XXXX have attached a copy of how it is reporting to bureaus and it is not accurate across all 3 bureaus and the statute of limitations in 3 years in my state, they don't have rights to collect any debt