davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase closed my checking account and is holding {$15000.00} in a suspense account. I have reached out to their loss prevention team and they told me that those funds can be held up to 3 years. Not sure what will happen after that. Please help in resolving this and getting funds returned back to the account holder.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eastpoint Recovery Group, Inc (OH)

Eastpoint Recovery Group is a collection agency located in XXXX, New York between XXXX and XXXX I was relentlessly harassed and threatened until I filed a complaint with the New York and Ohio Attorney general 's office as you can see from the document I'm submitting they not only called and harassed me but they called and harassed my elderly father and brother threatening to have me thrown in jail. The outcome was that Eastpoint Recovery Group put a cease-and-desist on my account and no further contact was to be made with me and when I would decide to settle the debt when I could. As retaliation EastPoint Recovery Group sold this account to another credit agency XXXX XXXX XXXX without my knowledge. XXXX XXXX XXXX is now suing me for the debt. The original creditor of the debt is XXXX XXXX XXXX for the amount of {$2200.00}. In the court summons XXXX XXXX  XXXX is threatening garnishment. I have had no contact with XXXX XXXX XXXX regarding this debt until I receive the court summons on XX/XX/XXXX. There has been no attempt to collect the debt from XXXX XXXX XXXX. I don't even know who they are. Last I heard the debt was with Eastpoint Recovery Group. In the court summons XXXX XXXX XXXX submitted a bill of sales for this account on or about XX/XX/XXXX not from Eastpoint Recovery Group but from the original creditor XXXX XXXX XXXX XXXX to XXXX XXXX XXXX which is untrue. It just seems like the debt is being bought and sold from XXXX debt collection agency to another without my knowledge until finally it got to a debt collection agency XXXX XXXX XXXX who would who would sue me for the balance this company is known to sue people and EastPoint Recovery Group knew what they were doing when they sold the debt to them. XXXX XXXX Bank did not want to resolve debt. On multiple occasions I made attempts to settle the debt before it went to collections with no resolve. The debt was sold XXXX XXXX XXXX to Eastpoint Recovery Group without my knowledge then it was sold from Eastpoint Recovery Group to XXXX XXXX XXXX without my knowledge who is now claiming that they've bought the debt from the original creditor XXXX XXXX XXXX which is a lie.
Consumer complaint received 2022-10-24
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (VA)

I found out I am a victim of identity theft, I contacted the company but they have yet to fix this fraud that has hurt me. Please see attachments. My ssn and dob are XXXX and XX/XX/1995.
Consumer complaint received 2022-10-24
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: LEXISNEXIS (NC)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights. XXXX5 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours (OH)

Im trying to enter my bank information and I have tried every way possible. I called my bank and they said I have to get ahold of them and enter it in manually but earnin is saying they cant do that. I cant not connect my bank to use it and dont know what to do at the point and its getting aggravating.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

XX/XX/2018 and XX/XX/2018 I spoke with some one in regards to options to repay the loans. The loans are under me and a co signer. I tried to explore options since the calls every 30 minutes on my voicemail stated there were other options available since the last time I spoke with someone. I called again and was not told any more options than what was previously mentioned. I asked if the loans could be extended out for payment and the representative was hesitant to say that was an option. I informed if I can not pay the entire monthly payment, why aren't all options being given to me. I know that the loan customer service representatives received a bonus initiative for getting payments over the phone and the higher the payment the more the bonus. Yet to not assist someone who is trying to explore options to pay is unacceptable. She was very rude making comments like " I don't like to give that option '' and a sarcasm " ok '' when stating the co signer is an XXXX year old man with no income when it was asked " what about your co signer ''. If it was easily obtainable for me to pay the requested amount, I would never call to explore options of payment. It is terrible that you get someone on the phone trying to gain a buck, not for the purpose of your sake but for their own. Then when I reiterated the person or someone calling me telling me there were other options and could even lower the payments ; of course there is no record of this. I was asked how much can you pay '' I stated the amount and " oh yeah no we can not accept that. '' You cant or just don't want to? I was told " you already have a low interest rate so I cant go any lower ''. last call in XX/XX/2018 I was asked to provide all the bills I paid with my income and when it calculated with about 20 dollars left. I was just told " oh well '', can you borrow the money from someone ''?. The statements that are made is unprofessional and inconsiderate.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have contacted Kohl 's and the credit bureaus regarding the reporting of my accounts. When I last retrieved my credit report, I noticed that Kohl 's last reported my payment history in XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my XXXX  report and XX/XX/XXXX on my  XXXX  report. I reached out to Kohl 's and they stated that the bureaus were at fault for not reporting my current, up-to-date payment history. To that end, I contacted each credit bureau and they stated that the issue was with Kohl 's. I would like for my payment history on this card to be updated on all 3 bureaus so that it reflects current and ok payments.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper. Mortgage is trying to take my home from me. I have paid over 74 % on this home and have been here for over 33 years. 
I was up on all of my payments, but because of Covid and losing income. I stupidly took the " COVID Forbearance '' I now owe immediately, {$23000.00} I've applied and in the ( process/review ) for a relief from CalifRelief fund. and I am XXXX recently also. I do not walk and use a mobility scooter to get around close in town. The doctor office that I just recently got my insurance back ( XXXX XXXX ) is literally behind my house on the main street. I've owned this house or at least have tried to pay for this home for over thirty years. I don't plan to go anywhere. I had an excellent job/career for over 24years before XXXX. Then my life has turned to XXXX because of the so-called economy that has only made the wealthy wealthier! 
Now it's hard to find work sitting in a wheelchair because I couldn't get a XXXX  XXXX because covid closed the hospitals down. Now, I have more than just the hip that is XXXX XXXX XXXX. This is going on to two years. and I have tried since XX/XX/XXXX to contact this company. I wrote many notes on my mortgage portal to Cooper because I can not even get a voicemail. and they have DENIED me twice in the month of XXXX for any help whatsoever. This is Fraud! they are liars and they do not want to help me at all. They just want to kick a women who purchased her home at age XXXX in California only to have the whole system fail her, including the judicial system. 
I obviously have to send a written letter to this company in which is b.s. 
Because They REFUSE to answer any of their 3 phone numbers and the automation is a complete runaround and then they hang up. 
- I had the forbearance from XXXX XXXX XXXX After I agreed to a very EASY button on my billing statement because " They are here to help! '' Really? When, after you kick me to the curb or before? 
Mind you I have been with the company for over 10 years. 
I went to make a voluntary payment a few months later and ALL of my billing and checking information had been deleted. I had to add it all back to make the payment. In which they added immediately to unapplied funds. Since XX/XX/XXXX, my only phone number has received hundreds of companies and people asking if I am selling. But, I have tried to call Mr. Cooper ALL 3 numbers and the agent supposedly working on my case. Called ONCE and 4 minutes later her phone had NO Voicemail box setup. Does this make sense to you??????????? 
At XXXX XXXX  today XX/XX/XXXX. I received a letter at my door from Mr. Cooper oh and as I type this letter. My phone just rang with a man asking to buy my house... 
This is beyond stressful, when you can just " feel '' someone messing with your livelihood
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

I applied for a loan modification through Chase, sent all of my paperwork and they will not review it. Chase advised that they will not review my information since i was previously offered a trial plan. Unfortunately, the trial plan that was previously offered was not affordable. Since the trial plan offered, my circumstances have changed and i am now receiving more income. I am in a position to accept a trial plan if offered. Now, Chase is telling me they will not re-open another loss mitigation workout for me. Please help.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

I have been paying on a student loan since XXXX. My wife and I are both XXXX  in XXXX XXXX XXXX  from 27 years. ( I retired last year as a XXXX and went back to XXXX in another state ). The amount was originally I think around {$32000.00}, I have copied and pasted below what is currently on my servicer 's website and it goes backwards from current to XXXX. I have been making {$330.00} per month payments on this loan since XXXX and currently owe MORE money on it than I did when I started??? I don't understand why this loan is not paid off yet? When I've asked questions, I am told it's because it is not a direct loan so it can not be forgiven. I was told by the current servicer ( Nelnet ) that I would have to " first be consolidated into direct loans to qualify as it is a direct loan program. '' and that " unfortunatey if the loan would be transferred, you would have to start over and make ANOTHER 120 payments and work for ten MORE years!!! My wife is XXXX and I am XXXX. I am trying to understand how this could happen to us, could you provide us with any answers?? I feel that i have been a victim of some kind of predatory lending as my service transfers me to other companies all the time and then apparently I didn't realize I had to start over on the ten years? and it wasn't even my choice, they just transfer it. Please advise if you could help me in any way. 


XXXX XXXX XXXX ' XXXX XXXX and Below is my account information : Account : XXXX Current Balance : {$38000.00} Past Due Amount : {$0.00} Current Amount Due : {$330.00} Payment Amount : {$330.00} Due Date:XX/XX/XXXX Group : C Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$15.00} Last Payment Received : {$110.00} on XX/XX/XXXX Outstanding Balance : {$13000.00} Principal Balance : {$13000.00} Loan : 3 Due Date : XX/XX/XXXX Loan Status : REPAYMENT Loan Type : CONSOLIDATION Interest Subsidy : Subsidized Original Loan Amount : {$19000.00} Interest Rate : 5.250 % Accrued Interest : {$15.00} Capitalized Interest : {$0.00} School Name : Lender Name : NELNET ACADEMIC LOAN Principal Balance : {$13000.00} Convert to Repayment : XX/XX/XXXX Disbursements : {$10000.00} on XX/XX/XXXX Disbursements : {$8500.00} on XX/XX/XXXX View Benefits Group : D Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$29.00} Last Payment Received : {$210.00} on XX/XX/XXXX
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NJ)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XXXX XXXX ) Recently, I, XXXX XXXX, XXXX XXXX an extension of credit by Childrens Place On ( XXXX XXXX, I applied for ( Childrens Place Credit Card ). 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Childrens Place XXXX XXXX ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( Childrens Place ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-10-24
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: CBC Companies, Inc. (NC)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (CA)

On XX/XX/2018 I received a collection notice from Grant & Weber , Inc collecting on behalf of XXXX XXXX, XXXX, a physician from whom I have never received services. I sent a letter dated XX/XX/2018 requesting validation of the debt. I never received debt validation nor a response to my letter at all. I gave the traditional 30 days to respond and they did not. Instead, on XX/XX/2018, Weber & Grant , Inc reported this debt as a collection account to XXXX, thus damaging my credit, with no proof of validation of the debt prior to reporting. My letter to them is attached.
Consumer complaint received 2022-10-24
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: Fidelity National Information Services, Inc. (FNIS) (NC)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # /ref # XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-22
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. (GA)

Since filing chapter XXXX bankruptcy nearly five years ago, XXXX XXXX XXXX XXXX is still reported as a charged-off account on my Equifax report despite several disputes. XXXX refuses to acknowledge its participation in my chapter XXXX repayment plan. 

As a result of my latest dispute, the personal statement which appears on my report is erroneous. The statement is applicable only to the XXXX account.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (IL)

I had the same loan with Crosscountry mortgage for over XXXX. XXXX months ago, they increased my escrow amount used to pay my property taxes and insurance by 64 %. However, my property taxes and insurance have not gone up. I tried calling them to get an explanation and they keep telling me there is a " shortfall '' but when I ask them for specifics on this " shortfall '' they refused to give my any information or evidence that the escrow expenses have went up by as much as they are saying. I am concerned I am the victim of a fraud.