davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

we have owned our home for several years. We have been good about not using too much of our equity but we did take out a HELOC on our home. This HELOC now is foreclosing on us. We have applied to keep our home several times, last time being XX/XX/XXXX. My file was closed XX/XX/XXXX due to being incomplete. I have sent everything to ChASE everything they ask for, they would say that they never receive my faxes, give me other faxes and now I am losing my home because of this problem. I was told that my package was complete I thought I was under review, months later when my documents expire CHASE just asked me to resend the package again, over XXXX pages over and over. This is because they never review what I send them, they wait until it expires to ask for more- and now instead of helping me keep my home they wish to foreclose and evict me. I have even tried to do a short sale for HAFA and they are giving my agent the same problems with the fax, they resend things over and over but never can get CHASE to ackn receipt. I do not know what else to do- I often request to speak with a XXXX speaking representative but chase just assigns me to people that only speaka XXXX, I did not understand that I was supposed to resend everything again because it is old now. instead i get a denial
Consumer complaint received 2017-02-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Since the XXXX switch, I have had issues with this company, from minor to major. I had difficulty with navigating the website, costumer service was rude and not helpful making me feel uneducated on how to service my loans and they made paying off principal, not just interest impossible, even though I tried to allocate my payments to do so every month. I felt as though I would never get ahead.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I applied with Quicken Loans to purchase a home in XXXX. Our current residence is XXXX and I am a XXXX, XXXX employed for over XXXX years. We have high credit scores, a low debt to income ratio, and we are paying almost XXXX percent down. The reason for our decline is that Quicken is stating they will not do a loan for a XXXX employed person moving out of XXXX. This is quite a statement coming from a company who markets all over the United States. I can do business in XXXX or any State from any location. Our company has the tools to use the internet to conduct our business without having to meet face to face. My wife and I have been discriminated against based on a XXXX employment income. We have a ten thousand dollar deposit on the house and may very well lose that deposit.
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WI)

Due to being the first person in my family to go to college and zero help from my high school, university or FAFSA, I was not prepared or educated on how to take out student loans, etc. There 's way more info out there now than there was when I started school, but at the time, there were no good resources or helpful info. So I ended up with almost all private loans, with interest rates anywhere fo rm 7-9  %. Originally, my payments were going to be $  XXXX  - luckily,  Firstmark was  able to consolidate my debt i nto one paymen t each month. Unfortunately, since they 're a private lender, they 're pretty unhelpful and provide no options for repayment methods. So now, over half of my earnings each month go to pay back these overpriced loans, and after paying rent, I 'm left with a very small amount for anything else that comes up. I have no savings account. It 's sad that I was essentially forced to take out these loans to get a job, and now that I h ave one ( and a good one at that ), I 'm still  struggling with no option for income-based repayment or any sort of forgiveness.
Consumer complaint received 2017-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

ON  XXXX   XXXX ,   XXXX  , I SUBMITTED A DISPUTE FOR EXPERIAN TO CONDUCT AN INVESTIGATION OF INACCURATE ITEMS ON MY CREDIT REPORT. THEY PARTIALLY RESPONDED ON  XXXX   XXXX ,   XXXX  . WHICH IS WELL PAST THE ALLOWED TIME TO INVESTIGATE MY DISPUTED INFORMATION I SUBMITTED. THEY DID NOT CONDUCT A THOROUGH INVESTIGATION NOR DID THEY PROPERLY SHOW ME A METHOD OF INVESTIGATION WITH PHYSICAL EVIDENCE. THEY JUST RESPONDED WITH WHAT SEEMS A COPY AND PASTED ANSWER WITH THE WORDS FCRA BUT NO ACTUAL TANGIBLE EVIDENCE THAT WHAT THEY ARE SAYING IS TRUE.     IN  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . THE PLAINTIFF SUED THE COLLECTION AGENCY FOR FAILING TO CONDUCT A REASONABLE INVESTIGATION INTO HER DISPUTE REGARDING ITS ACCOUNTS ON HER CREDIT REPORT. EXPERIAN IN THIS CASE HAS CONDUCTED NO SUCH INVESTIGATION.   UNDER THE FCRA CONSUMER REPORTING AGENCIES BEAR GRAVE RESPONSIBILITIES TO ENSURE THE ACCURACY OF THE ACCOUNTS THEY REPORT ON AND THEIR RESPONSIBILITY MUST CONSIST OF SOMETHING MORE THAN JUST SAYING IT WAS INVESTIGATED. THERE IS NO PROOF OF ANY REASONABLE INVESTIGATION BECAUSE THE ACCOUNTS REMAIN INACCURATE AS STATED PREVIOUSLY. THIS IS A LAST GOODWILL ATTEMPT TO REMEDY MY SITUATION BEFORE I PROCEED LIKE THE PLAINTIFF IN THE CASE ABOVE.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

It has been the longest while since I have had problems with JP Morgan Chase N.A.. First they discriminated against me and closed my account and they reopened it, then closed again. After arguing for it and proofing my innocence they accepted the fact that people can be Victims of Identity Theft! Now when applied for credit card, I received letter asking to lift my security Freeze from XXXX, which was done so. I contacted chase landing services and my credit bureau file was pulled by the representative. Due to personal level of dislike against me or discrimination, the representative has refused to move forward with the application and requested to have my XXXX file to be lifted. Chase representative has provided false information and unethically/unprofessionally treated me. I am tired of being a victim of discrimination by Chase. Just because of unfortunate fact of being a Victim Of Identity Theft, it does not mean that they can discriminate against me.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NY)

Between   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     I was charged {$390.00} in overdraft fees. I contacted customer service and asked for leniency. I was waiting for a check that was several days late causing my account to overdraw. In addition some of the overdrafts were for {$10.00}. I was charged {$36.00} for an overdraft of {$10.00}.   I truly believe its predatory to charge someone {$36.00} when they over draw by {$10.00}.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (SC)

CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX.
Consumer complaint received 2015-08-06
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Aqua Finance, Inc. (TX)

Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I have attempted to lift a security freeze on my credit report with Experian numerous times both online, by phone, and via mail and I never am able to have the freeze removed. There is no person to speak with by phone and the company never correspondence concerning the matter. This causes much duress in attempting to transact when all  XXXX  bureaus are needed for a report.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I XXXX and am on a XXXX month contract. I was crunched with fewer XXXX classes and tried to contact Citimortgage about any type of help I could get within their system. 

After a XXXX month process of speaking to multiple Citimortgage representatives and receiving different answers and interpretations about the same procedures ( possible outcomes and the best timing for initiating which procedures ), I have come here to complain. 

I have two problems with the system currently in place at Citimortgage. 

1. It is reactive rather than proactive. Apparently, the bank will refuse to help unless the customer falls behind and skirts the edge of default ( but paradoxically will not offer a deferment of payment until AFTER the situation has been resolved ). I tried to do the responsible thing and contact them before the issue became a problem of my not being able to pay. 

2. The Citimortgage associates to whom I spoke each had different understandings and misconceptions about what I was trying to do, why I was trying to do it, and how I should go about handling my particular situation. Though I understand that they must follow company policy, each of the representatives should have had the same understanding of how that policy was to be implemented. After having spoken to XXXX different individuals over the course of two months and received multiple possible answers to the same questions, I am EXTREMELY frustrated.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/23 received another late payment in my XXXX XXXX on a situation of fraudulent activities on XXXX account ending in XXXX XX/XX/23 called Barclays and they claimed account is closed and at XXXX balance they have no explanation on to why and receiving letters and late payment. I have another XXXX point in late paying I will like to be erased from my credit score. This is making my score go down XXXX points all points where clear in XXXX
Consumer complaint received 2022-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and XXXX  being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XX/XX/2017. 

- I Found an Unknown Fraudulent Account with XXXX - Account Number XXXX being reported only on Experian Credit Bureau - I Sent Experian a Dispute Letter and request for validation on this unknown account on XX/XX/2017 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XX/XX/2017 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown account and Updated on XX/XX/2017, they claim to have verified the information in the record and identified the provider of the information as XXXX. 

- On XX/XX/2017 I Contacted XXXX and questioned them about this Fraudulent account, they denied having this or any other account in their records that will match my name and social security number. 

- As of XX/XX/2017 Experian is still Fraudulently reporting this Account in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown XXXX - Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent XXXX - Account Number XXXX be permanently removed from my Experian credit report immediately.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I spoke with Experian and my report updates from XXXX never took place or uploaded to Experian 's system. There is massive fraud in regards to my personal and professional information being reported by Experian. Name XXXX, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XX/XX/2017 I spent close to one hour reviewing the fraud and Experian was helpful to have me contact a local police department in regards to the Fraud. It looks like all 3 credit agencies are not correlating information timely or have been able to do so do to this fraud. XXXX was supposed to clarify these matters with Experian, and they got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.
Consumer complaint received 2023-01-05
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

i just retired from the XXXX how can i have a medical bill of any kind when XXXX pays XXXX % for me and the family XXXX. my insurance is still XXXX and the VA. Could some one please explain, this does not belong to me. Thank you for all your help.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (NC)

On XXXX/XXXX/XXXX, I fill out and mailed a paper credit card application from Citibank and was approved for a card. On XXXX/XXXX/XXXX, I filed out a second paper application from Citibank which was denied. 
On XXXX/XXXX/XXXX, Citibank 's credit card division made an unauthorized inquiry against my XXXX credit report. This hard inquiry did NOT originate due to a THIRD credit application. I sent a letter to Citibank 's customer service department asking the reason for the XXXX/XXXX/XXXX credit denial. However, I did NOT ask for or suggest another credit pull. No one at Citibank even contacted me to advise of the third credit pull. A legal compliance statement is provided to the consumer upon pulling of credit and this process was completely disregarded.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank / Care Credit / XXXX XXXX XXXX. I filed a complaint against them for not complying with requesting a validation with a signature from my attached letter. Now after my dispute I get an alert from XXXX that the collection was put back on my reports with this in comments ( Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department / At least 120 days or more than XXXX payments past due Comments : Subscriber reports dispute resolved - consumer disagrees ). I am trying to fix my credit, and it as looking better, now this happened. Is there anything that you can do to fix this. I want to have Synchrony bank Care Credit and XXXX XXXX XXXX deleted from my credit reports totally.