davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AL)

I am a co-signer on a loan that is with Navient, formerly XXXX XXXX. When XXXX XXXX was in the picture, everything went very smoothly. When Navient took over is when all the trouble started. I have paid off many student loans in the past 20 years, never missed a payment and never had any problems. In XXXX I contacted Navient to get my payoff balance and the lady gave me my amount and said it would be good for 6 days. I immediately wrote my check for that amount and mailed it in. I track my accounts very closely so the amount I was given on the phone was what I was expecting. A week later, I got on line and checked my balance and to see if my check had processed. My check did process and was applied, but my balance was not XXXX, instead it was {$29000.00}. I immediately called them knowing this was just a clerical error and would be cleared up easily. I was told that it was my correct balance and that I now owed that much. Of course I was not going to leave this alone because I kept very accurate records. Very long story short, It is now XXXX, the problem is still not resolved. I have been passed back and forth between many of their departments with no clear answer as to why my balance is such. I 've been ignored when I try to press the issue and demand that someone research my account history. Once I was told that the change in my balance was done internally and I had no choice but to pay it. I challenged that statement and was passed back and forth between departments. The last contact I had with them was almost a year ago and I left a message for someone to call me back and I also sent an email to a contact I had there asking them to call me back. Til now I have not heard back. I am tired of trying to track someone down that will give me a real answer. Meanwhile, I know that I have paid this loan off.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My husband and I did a modification on our loan. I signed all the papers. Now since my husband passed away XXXX/XXXX/2014 a Veteran ( XXXX XXXX, they refuse to give me any information stating I am not on this loan and have NO financial obligation to them. This is my home for over 38 years. I would like to refinance this loan to lower my monthly payments to be able to handle my monthly bills, etc. I have had an attorney look up all the public records and I am on the recorded properties. The attorneys are baffled themselves.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NY)

on XX/XX/XXXX, I am trying to use my credit card rewarding points to book a flight from XXXX to XXXX XXXX I saw in XXXX credit card App has a rewarding flight on XXXX with XXXX points, then they asked me to transfer points to get that ticket, then I transfered all my points to XXXX XXXX XXXX XXXX, then I am not able to find the flight as I see from the app, now I lost all my points as they said the points can not be reversed.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.
Consumer complaint received 2015-10-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK (NY)

Astoria Federal Savings Bank now know as Astoria Bank on or about XXXX XXXX, 2003 and XXXX XXXX, 2003 accepted Powers of Attorneys on behalf on my late now mother XXXX XXXX which are questionable and exposed me to serious damages in an amount of {$110000.00} and other loss of home, property. 

The bank exposed me as well they failed to disclose the XXXX XXXX, 2003 power of attorney that was a joint XXXX with XXXX agent residing in XXXX which would cause issue if she left and other. It did cause a problem then was revoked but what was found out is that the joint power of attorney dated XXXX XXXX, 2003 was not effective it was not properly notarized, dated and acknowledged the attorney who prepared it wronged my mother and me as well. Why did the bank not reject this at said time but rather allowed us both to withdraw funds that then my sibling sue me over how so. 

Then the XXXX XXXX, 2003 power of attorney was missing a page the Affidavit of Attorney in fact, why did the bank accept it if a page was missing and or not effectuated at said time. Please inquire I gave them ample opportunities but they chose to ignore again and again only having my sibling XXXX go into court to sue me said powers that may HAVE XXXX BEEN QUESTIONABE, NOT EFFECTIVE NOT PROEPRLY DRAFTED OR OTHER, THE BANK ACCEPTED MAINLY THE FIRST POWER OF ATTORNEY THE JOINT XXXX THAT WAS VOID HOW COULD THEY DO SO, AND EXPOSED ME TO SERIOUS INJURY AMOUNTING IN THOUSANDS.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (MD)

My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX. 
Thank you, XXXX XXXX
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MA)

I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX  has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. 
They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at XXXX
Consumer complaint received 2016-02-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Continual calling and harassment on a debt, which they admittedly tell you, they can not enforce because it is over 6 years. It appears that their practice is to harass you until you resolve the debt, even though it is legally unenforceable.
Consumer complaint received 2015-10-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC. (IL)

Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX
Consumer complaint received 2015-11-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery calls me 2 to 3 times a day even after I told them the case was dismissed in court and I asked them not to call me anymore. I was told they would keep calling me until it is resolved. 
It was a credit card debt and I went to court, it was dismissed XX/XX/2015 because I am XXXX and on XXXX.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in resolving a matter that has been causing me tremendous distress for over a year. A XXXXXXXX XXXX  account ( Account Number : XXXX ) has been fraudulently opened in my name and has been negatively affecting my credit report. This account was opened without my consent, and I have already filed a police report ( Report Number : XXXX ) detailing the fraudulent activity. 

Despite my repeated attempts to dispute this account with XXXX, XXXX, and Experian, the account remains on my credit report. My previous message regarding this matter has been ignored, causing me additional stress and frustration during an already challenging time. 

The persistence of this fraudulent account on my credit report has severely impacted my life, including my ability to find a place to live. I have previously requested the original contracts for the disputed items but have not received any response. I am now prepared to take legal action to resolve this matter if necessary. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If you are unable to provide signed, original contracts correlating to the account in question, you must delete the items from my credit report. 

Once this investigation is complete, I kindly request an updated copy of my credit report. I have been under immense stress dealing with this issue for months, and I ask that you carefully review my case and provide a resolution where this account is deleted from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution. 

Sincerely,
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have given the bureaus proof of items being included and discharged in bankruptcy. The first delinquency is 7 years old and the items should be deleted from my file. The late payment from years ago are still effecting me to start my life over and all I get is to keep giving proof of my residence and ID which I have sent. The following should be deleted from my credit file XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. The XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  In addition my credit report was pulled several times without my permission and should be deleted. I have several alerts showing my Identity is on the black market including my SSN. 

XXXX XXXX XX/XX/XXXX was out the country XXXX XXXX XXXX XX/XX/XXXX was out the country XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply Please have this looked into because I am getting nowhere
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX  no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate. 
Please provide information on the steps taken to prove the information is 100 % accurate.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (CA)

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WA)

I just noticed this accusation on my credit report from XXXX and know absolutely nothing about it. It 's a {$70.00} open collection from State Collection Service Inc. I have medical insurance and always pay my copay, this does not show up in XXXX. I 've never received notification or a bill.
Consumer complaint received 2016-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I have 4 lays payments from student loans, but they mistakenly did n't see that I was still in school, and thus can not be billed yet. I called them and got it fixed, and faxed them my credit Reports and they said they would take them off my report because they were indeed wrong to report that. This was months and months ago and they have n't done anything so I 'm disputing here now.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I got a new phone number at work, and Portfolio Recovery is spam calling it every day. I do n't have any debt, and I want them to stop calling. 

I have submitted multiple complaints and they close all of them claiming I have n't given my phone number so they ca n't check on it. PLEASE VIEW PHONE NUMBER ON THIS COMPLAINT AND STOP CALLING IMMEDIATELY.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MA)

XXXX 2014 I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. I was told the vehicle I purchased had only XXXX previous owner and was a clean no accident car. It had a retail value of XXXX. I purchased the vehicle and took a loan with Wells Fargo for {$14000.00} I currently owe ( {$9700.00} ) I went to trade this vehicle in after visiting XXXX XXXX Book to get an approximate value. XXXX XXXX pulled up the XXXX to find that I was the XXXX owner and there had been XXXX record-able accidents and the current trade in value of the car was {$570.00} Wells Fargo never should have issued a loan on this vehicle as at time of purchase it was only valued at {$2500.00} I can not trade this car in, and selling it privately is a night mare. I feel Wells Fargo should " Forgive this debt '' and either allow me to sell it at a much lower price, paying them what I receive or take the car themselves to sell. I currently have Gap Insurance on this vehicle. Its very obvious that Wells Fargo 's Auto Loan Practices are in question.
Consumer complaint received 2015-06-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

I keep getting daily calls between XXXX-XXXX including weekends from a Midland Credit Management calling XXXX leaving messages looking for a XXXX or a XXXX, depending on the accent of the caller. They started calling me about two weeks ago. I have had this home phone number for nearly four years, and no one even close to that name has lived here.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am submitting a formal request for the removal of items from my credit file that are attributed to said fraudulent actions. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that any such items be expunged from records no later than XXXX business days following the receipt of my last communication. I have previously submitted my identity theft report ( # XXXX ) and hereby reiterate its inclusion for your reference. Additionally, I must emphasize that the details associated with these items are unfamiliar to me and have been successfully removed by other bureaus, casting doubt on their validity. It is imperative that the following entries be removed from my credit report as part of this complaint : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX : XXXX  XXXX Balance XXXX : {$3300.00} XXXX XX/XX/2022 XXXX : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1100.00}. This notification serves to inform you that failure to remove the aforementioned items will compel me to initiate legal proceedings. My legal representative has been apprised of this situation and is prepared to pursue action for willful noncompliance. Consider this a final warning to rectify the issue by removing the items stemming from alleged fraudulent activity.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (OH)

Before applying Chase Sapphire Reserve credit card at the branch, I had the Chase Private Banker to call the lending department to see if special consideration will be provided to Chase Private Client when the customer has opened many credit cards over the last 24 months. The lady from the lending department told the Chase Private Banker that special consideration will be provided to Chase Private Client but no guarantee of approval. Based on this piece of information, I decided to apply the credit card and it came back as a denial. When the Chase Private Banker called the lending department to request special reconsideration, then we were told special consideration for Chase Private Client was terminated XX/XX/2016.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I have sent them request for more information regarding the debt they claim I owe them but they have ignored me letters. I have finally sent them a certified letter ( XXXX ) and waiting. I have disputed it with the credit bureaus but they did not remove this debt.