davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I have been calling and emailing Navient regarding a {$20000.00} loan amount owed from a college that closed due to fraudulent activity. 
Dates of communication : XX/XX/21 XX/XX/21 XX/XX/21 Repeatedly requested having loan information and what school each loan applies to mailed to me with very little response. 
They listed an incorrect school on one of the loans - one I have not even attended so I wanted a paper copy. 
The school has been closed for years and was scamming students like me. I do not feel I owe any more money for a degree that is now tainted by association.
Consumer complaint received 2023-07-26
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. (MA)

Equifax told me that the bankruptcy information that they are reporting on my credit file was provided to them by the XXXX  house but that isnt true, I called the XXXXhouse and they told me that they do not provide any XXXX information to any of the credit bureaus, now for some reason, equifax keeps telling me that they have been able to verify this XXXX  if that is true then I would like the name of the person that they spoke to at the XXXXhouse and also the phone number of the same person, I would also like equifax to provide me with any information that they have from the XXXX house, proving that they provided this XXXX  information to them. I received a letter from the courthouse that tells me equifax is lying when they tell me that they have verified the XXXX
Consumer complaint received 2022-03-29
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: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.
Consumer complaint received 2021-01-19
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX, XXXX  and XXXX  per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, JPMCB Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX. 
XXXX has been taking small amount of money out of my account for almost a year. Last 2 month it has grown to {$1000.00} over the last few times.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (GA)

MrCooper sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I am a customer of Chase Bank with a personal checking account ( with debit card ) and two different credit card accounts. 

On XX/XX/XXXX I was review my account statements/details for XXXX XXXX and noticed a recurring charge in the amount of {$15.00}. The recurring charge was for XXXX and had been processed the last business day of the month since XXXXXXXX Per Chase the charge was made with the debit card ( XXXX  brand ) through a digital wallet. 4 recurring charges for a total amount {$63.00}. 

I contacted Chase to dispute the charge because I have not at any time signed up for or used the XXXX service, therefore the charge is unauthorized and fraudulent. 

I was informed by the Chase agent that the 60 day liability rule as described on my statement would limit my claim to 3 charges for a total of {$47.00}. 

There is not language to defines a XXXX debit card transaction the same as another electronic transaction. As a XXXX debit cardholder I am entitled to initiating a dispute for fraudulent charges. The language on the Chase statement does not clearly articulate that a XXXX debit card is considered an electronic payment transaction and not eligible for dispute beyond the 60 day time period. 

Here is the lingo on the statement : IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS : Call us at XXXX or write us at the address on the front of this statement ( non-personal accounts contact Customer Service ) immediately if you think your statement or receipt is incorrect or if you need more information about a transfer listed on the statement or receipt. 

For personal accounts only : We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to give us the following information : Your name and account number The dollar amount of the suspected error A description of the error or transfer you are unsure of, why you believe it is an error, or why you need more information. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days ( or 20 business days for new accounts ) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (PA)

XX/XX/2020-Discovered I was paying a surcharge on my policy because I was deemed at fault based only on the cost of damages after my low deduction that I paid more for. XXXX told me to call LEXISNEXIS after I got the accident report from the police department and pulled my drivers record. 1st call XX/XX/20 went through the automated phone menu-suppose to receive something 5 to 7 days later. Nothing. Asked XXXX for the report # thinking it would help and made 2nd call XX/XX/20 and again got nothing. There is no option to talk to anyone and are given 2 websites so fast I had to call several times to get it. Again nothing. Called XXXX  yesterday and they just told me that they can change my policy if I can just get them to change their report. 3rd call today. I have basically had to pay for all damages in raised rates for something I didn't do.
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (AL)

We purchased our home in XXXX with the mortgage originally serviced by XXXX, XXXX and XXXX which was sold to XXXX XXXX XXXX in XXXX - and never reported late by either company. 
With XXXX XXXX XXXX, we were not considered late until the XXXX of the month. We paid no later than the XXXX of each month. 
The mortgage was sold to Selene Finance who has reported us as being 30 days late on multiple occasions. We have attempted to pay within the 15 day window via their website - which regularly throws error messages or logs us out. I 've worked as a XXXX XXXX for more than 10 years and can say without a doubt, it is the most poorly constructed public ecommerce site I have ever encountered. We have called them on several occasions and are told that we are on the same pay schedule as when XXXX XXXX XXXX serviced the loan and to " pay just as we did before ''. 
We receive threatening statements in the mail stating that we owe a " corporate advance '' of {$1000.00} in addition to our regular payment - yet when we log in to selenefinance.com our account appears to be current. 
I am requesting that Selene Finance remove all delinquencies from my credit report and stop mailing threatening statements with erroneous charges.
Consumer complaint received 2022-08-25
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (FL)

I am writing about Synchrony Bank 's " Card Security XXXX '' fees and charges. I opened an Amazon credit card back in XXXX and ever since I would continue to make monthly payments. As time went on the payments and charges were normal and expected. But as of today once I go and check my past statements there is a card security fee every single month with every single payment. I called the number and they tell me I enrolled in XX/XX/XXXX, which i absolutely do not recall doing. The supervisor whom I spoke with on the phone said there were charges in the year of XXXX and XXXX and so on until now etc. I've been trying to pay this card off ever since i opened it or at least get the balance lower than 30 % but it hasn't happened and now I can see why. Between the interest charge and the security fee my monthly minimum payment is about {$2.00}. This is simply a scam for which I did not opt for. Today. XX/XX/XXXX I called and cancelled my enrollment in this bogus service, hopefully my call actually went somewhere and the proper action will occur.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (OH)

I was approved a for a trial modification with Mid America mortgage on XX/XX/XXXX ( see attached documents ) I agreed to the terms and made all payments as required to do so on this 3 month trial modification. After making the 3rd payment as stated on the agreement Mid America Mortgage was to send out the permanent loan modification documents which had to be signed and notarized. In XXXX of XXXX after making my last trial payment I called Mid America several times to ask about the finalized documents and they stated they where working on the documents. It took Mid America mortgage almost 18 months to get the documents out to me. Once I received them I notarized and returned them using Mid Americas prepaid Fed envelope. When Mid America received them they advised me they needed my Ex XXXX to sign the documents as well, I advised Mid America XXXX my ex is not on the loan and is not on title she should have to sign them since I am the only one on the loan and title. So because of this Mid America did not accept my documents and had me resign them, this took a few months to get the documents out to me, once I received the new package my ex XXXX and I signed the documents and Fed ex them once again to Mid America, ( Tracking # XXXX ) TRACKING NUMBER DELIVERY XX/XX/XXXX at XXXX XXXX ) after I calling them weekly for document acknowledgment, they claim to have lost them. Now they wont allow me to reapply and have set a foreclosure on my home for XX/XX/XXXX and refuse to stop it even though I complied with the 3 payments as directed and even continued for over 18 months with no closure on there end. I have attached all documents showing proof of my complaint. We also submitted for help in XXXX but Mid America mortgage refuses to acknowledge the documents I sent them
Consumer complaint received 2022-01-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial (MD)

A Company called XXXX, XXXX, and XXXX called saying they are collecting a debt. I wrote the name and said I will have to look it up they slammed down the phone. I called back after calling the XXXX XXXX XXXX and found out they were bad news I called back. They threatened to call my job and file papers. When I said go ahead and file papers and don't call they said they would keep calling and they would call my job. They were very rude. So I actually called back after the slammed the phone down asking if they were a scam city. 

XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big City Finance, LLLP (TX)

I received a text message advising that Power Finance accepted my loan request. I tried to call them to report fraud and advise that I never applied. I could not get to anyone and they advised they would charge me to speak to a supervisor. I receive a name of XXXX to speak with, left her a voice mail on XX/XX/XXXX with no return call. Then on Monday XX/XX/XXXX I receive another solicitation asking if I could finalize my loan. I advised them that this was fraud, I never applied, and that they should remove any application they have under my name or social security number. She advised she would note my file accordingly. Today XX/XX/XXXX I received another call asking if I wanted to finalize my loan. Not only in this fraud, but it is continuous. How do I get to the bottom of this, so no loans can be taken out in my name?
Consumer complaint received 2021-04-22
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XXXX at XXXX P.M. I authorized Wells Fargo Dealer Services to withdraw my car payment from my Wells Fargo XXXX Account stating the funds would be withdrawn XXXX hours or the next business day. On XXXX at XXXX I purchased XXXX XXXX tickets using my Wells Fargo XXXX Account XXXX {$220.00} XXXX. On XXXX I was debited from my checking account a NSF Fee of {$35.00}. 

I contacted Wells Fargo and they were unwilling to refund the {$35.00} and could not explain how I was overdrawn by XXXX, but able to purchase my XXXX tickets on Friday, even though I was overdrawn. I OPTED OUT of the courtesy payment when I opened the account. This appears to be quite predatory and a money grabbing scheme to cheat depositors out of money.
Consumer complaint received 2023-07-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (TX)

I financed XXXX XXXX XXXX XXXX with XXXX XXXX XXXX spa on XXXX. They closed their company permanently without notifying me. I am still having to pay the finance company and have not received the services.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: M.A.R.S., Inc. (OK)

M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related. 
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of.
Consumer complaint received 2020-06-21
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: I.C. System, Inc. (WA)

So a collection account went on my Credit report in XXXX showing I owe {$950.00} to a collection company IC SYSTEM. I have disputed it multiple times with each Credit reporting agency but have not had any help in resolving this. It will get " Closed '' then they just open a new one a couple of weeks later and XXXX  up my credit. Today a new hard inquiry appeared from a XXXX XXXX XXXX. I have never heard of them, I XXXX  the company and they are in XXXX XXXX. I am in Washington. There is another one for XXXX. Another XXXX. Another XXXX XXXX XXXX. Another XXXX XXXX XXXX XXXX. Another XXXX XXXX. It continues ... I do not know how to fix this but I am hoping this agency can help me.
Consumer complaint received 2020-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (VA)

This loan is on its third processor in two year ( ACS to XXXX XXXX to XXXX ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " re-amortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now XXXX is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.
Consumer complaint received 2022-08-25
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. (SC)

This is my XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022