davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Last year, I completed my special program account ending in XXXX. When I first enrolled in the program several years ago, my phone rep advised me that any negative items would be removed or modified, once I completed my program, as an incentive. There are five derogatory items that should already be removed since I completed the program. I have tried to resolve this matter with the creditor 's corporate office but unfortunately, no one has assisted me with this matter. With all due respect, it is shady and unacceptable that I was initially misinformed when I enrolled in the creditor 's repayment plan.
Consumer complaint received 2017-08-24
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2017 I received another alert on my credit report about a late payment to CHASE CARD SERVICES. Last month this bill was sold to a third party vendor, so how is it possible that CHASE is still reporting to my credit reports? This false reporting is damaging my credit score. 
I have filed a complaint before and company said it sent me a letter. They company has 30 days by law to respond to validation letters, it has been over 4 months, and I sent another out last week. I received no letters from Chase, however I received ( attached ) a settlement offer from XXXX XXXX, XXXX
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OR)

My divorce was final in XXXX of 2021. My ex-wife who was awarded this house took a forbearance without my knowledge. I am the primary signature on the loan with my ex-wife being the secondary. I got phone notifications from Rocket Mortgage that I needed to contact them but when I called they would tell me that everything was fine. Once the forbearance passed the 120-day mark my credit was severely affected. I contacted Rocket Mortgage and they then informed me of the forbearance. They informed me that the decision to get a forbearance only needed to be communicated to them by one person on the loan and my signature was not needed to make the adjustment. So now because of an adjustment made to the loan without my approval, my credit score has tanked and made it so the home can not be refinanced, they want me to participate in documentation to get the loan on track but signing accepts that I was a part of the decision. On top of it all, I am experiencing financial issues related to my horrible credit score. I have supplied the document showing the general judgment of dissolution of marriage and details that the home was to be sold if not refinanced in 90 days. I understand that technically we are both on the loan but they allowed the change to happen without my consent which then negatively affected my credit.
Consumer complaint received 2022-10-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. Here are the list of items that needs attention in my credit report : XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-08-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Someone hacked my XXXX XXXX  account and made an order on stuff that I will not by and sent me e-mail gloating about it. I did not know ebay had stored my debit card information. After disputing the charges with the credit union and card turned off, pay pay bypassed the deactivated checking and pull using an ACH from my saving account. One of the vendor agreed to a refund, the other one has not responded. Did a refuse delivery and return with the hacker wad putting the order in my name. The tracking shows the vendors got the items back. Strangely the XXXX account I used was closed and I have no access.
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AR)

- I am in the pr
ocess of relocating, and have been paying my bills on-line. My mortgage with Seterus has always been paid on time, I have no financial difficulties, and on only one occasion has it been paid within the 15-day grace period ( my most recent payment ).
Seterus processes its payments through a XXXX XXXX site via a pop-up that bypasses any need for, or inclusion of, a XXXX XXXX account. Last month 's payment did not process, an Electronic Funds Transfer " bounced '' and, in spite of the fact that both XXXX XXXX and Seterus have my phone email address, and Seterus also has my phone number and current home address, nobody called me to notify me of the issue. Instead, Seterus sent me a form letter via mail that got to me two days before the grace period ended. My attempts to talk to both XXXX XXXX and Seterus were a waste of my time.
On multiple occasions, when trying to access the payment utility on the Seterus web-site, I have gotten caught in a software loop that will not advance me to the payment page. I have also had their web-site crash multiple times when trying to use it.
Today is XX/XX/XXXX, and I made my payment due XX/XX/XXXX last night. I checked my bank account today at XXXX, and the payment has still not processed. Seterus says to allow 24 hours for payments to process. I have 6 USPS days till my payment is due, if the money still has n't been transferred from my bank account by tomorrow XXXX, I will have to mail my payment, and it may not arrive on time.
There is NO email address for Seterus ' customer service on their website.
I got my mortgage with XXXX because their policy was to NOT sell their mortgages ... and my mortgage was sold to this company which acts like they do n't want my money.
Consumer complaint received 2021-04-22
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: JPMORGAN CHASE & CO. (NY)

Chase Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with XXXX XXXX
Consumer complaint received 2017-08-24
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. (OK)

Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XXXX XXXX, XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XXXX XXXX, XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX, 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Regards to Navient and a statement they made in an article : These documents clearly show that Navient educates our borrowers about income-driven and other repayment options any suggestion otherwise is a distortion of the facts, XXXX XXXX, general counsel for Navient, told the XXXX  XXXX. After a nearly six-year legal process, the CFPB has failed to produce a single student loan borrower to support their baseless claims against Navient. 

They pushed me into Forbearance and also their Income Driven program is a sham. They tried to state that all calculations called for $ 600+ dollars a month. This was out of control.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-03
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

1. Derogatory Information : XXXX - XXXX/XXXX - Revolving - Never Late, requested to correct error. 
2. Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX : Never Authz to run credit requested to remove. 
3. Inquires : XX/XX/XXXX - XXXX XXXX XXXX - Never Authz to run credit requested to remove. 
4. Inquires : XX/XX/XXXX - XXXX XXXX - Never Authz to run credit requested to remove.
Consumer complaint received 2017-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

NSLDS.GOV shows for school year XX/XX/XXXX-XX/XX/XXXX I was awarded 2 Pell Grants each amounting to {$4000.00} The 1st is from a college and campus I never attended : Grant dispersed amount : {$2700.00} XXXX COLLEGE - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The 2nd I did attend : Grant dispersed amount : {$1300.00} XXXX COLLEGE -  XXXX XXXX XXXX XXXX XXXX NJ XXXX NSLDS.GOV also shows missing data ( lines A-M, see attached ) All of the loan interest rate or repayment information is missing. 

XXXX XXXX navient was the original loan servicer and is currently the servicer for the newly consolidated loans. 

XX/XX/XXXX I requested copies of original individual promissory notes from navient. They have been unable to locate the individual promissory note and requested information. Without the information on these individual promissory notes pertaining the loan interest rate and repayment agreement the loans can not be verified because this information was never reported to NSLDS.GOV When consolidating NAVIENT sent the loan payout to the wrong school and subsequently preventing me from attending XX/XX/XXXX fall semester term B XXXX XXXX XXXX was both the original loan servicer and Loan Service serviver for my consolidation. 

I have attach a document which contains information from the NSLDS.GOV along with further questions and comments regarding this information I would like to have answered.
Consumer complaint received 2022-10-03
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: VW Credit, Inc (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

the first progress report account that's reporting on my credit report account number XXXX XXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in XXXX it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

To Whom It May Concern : I have lived in the XXXX County area for 24 years and want to spend my retirement years in my XXXX XXXX XXXX. I have always been heavily involved in community service, the last time being when I helped XXXX Link ( a non-profit organization ) market to people with XXXX that need help. 

I worked for XXXX XXXX for 10 years and then transitioned into marketing in XXXX. I was doing fine until my hardship hit in XXXX. My XXXX began to fail prior to XXXX, and after struggling for quite a while on the job I was finally forced to retire after my first XXXX in XXXX. After XXXX more XXXX ( the last in XXXX of this year ), I am now considered XXXX and on permanent XXXX. And on top of the fact that I could n't work anymore, I also had the cost of my prescriptions skyrocket as well. All of this caused me to fall behind on my mortgage payments. 

Unfortunately, I may be forced out of my home by my current lender ( Greentree XXXX since lately they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but the assistance I have been offered has been minimal. 

Since XXXX, I 've been trying to get Greentree to modify my loan. I even tried with the help of other agencies including the XXXX. After dealing with Greentree on my behalf, all of these agencies trying to help me said it was " ridiculous '' how poorly Greentree was treating me. Every call made to Greentree resulted in having to leave a message that was never returned. When we did reach someone, we were told to submit paperwork -- -then literally the next day, I got a denial letter in the mail and/or that person was transferred to another department. When Greentree finally acknowledged my need to modify my loan, they came back with an offer that significantly raised my monthly payment!! Is n't it obvious with my hardship that I need a modification that makes it easier to make payments, not one that eats up over half of my fixed income? I know they have guidelines to follow when it comes to how much of a borrower 's income should go towards their mortgage payment ... .why would they make such an unreasonable offer? It sure seems like they are just going through the motions so they can put it on me that I did n't accept their offer of help, justifying their foreclosure on my house. 

Furthermore, my property value has severely declined as well. But I still want to keep my home!! I 'm not looking for a handout. I want to get back to normal and not be facing imminent foreclosure. It 's stressful not only emotionally, but physically as well. I just need someone to assist me in getting Greentree to use some common sense to solve this problem. I would be forever grateful for any assistance that can be provided towards that goal.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (HI)

I owed a credit from Citibank. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, CBNA/citi bank still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually CBNA will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (NC)

Freedom chase credit card did not let me to pay the balance from the same bank account with XXXX separate payments on the same date which led to inconvenience for me as I used other bank account which was not intended for that purpose. There is nothing on the disclosure form that can support the denial of several payments from the same account to pay the balance.
Consumer complaint received 2022-10-03
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. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was 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. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}