davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

During my bankruptcy period, my mortgage company did not itemize my mortgage payments. I was told it can only be done after I am discharged from bankruptcy. Nearly four months since my discharge, Ditech is yet to itemize my mortgage payments into interest & principal. I have called as many as six times ; attempted to even talk to a supervisor to no avail. I have been informed no supervisor is available. The customer reps. have apologized for the problem ; promised twice it would be taken care but still unresolved.
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. (OH)

In accordance with the Fair Credit Reporting act XXXX the following accounts listed below has violated my rights. 

15 U.S.C. 1681b ( a ) ( XXXX ) states any consumer reporting agency may furnish a consumer report WITH the written instructions of the consumer to who it relates.

15 U.S.C. 1681b ( a ) ( XXXX ) states a consumer reporting agency has to respect consumers rights to privacy. 
15 U.S.C. 1681c ( a ) ( XXXX ) ( XXXX ) states consumer reporting agency can not make any reports containing accounts placed for collection or charged to profit and loss. Any other information other than records of convicted crimes. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Solutions XXXX XX/XX/XXXX
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Education Servicing, LLC (DE)

My student loan company is increasing the payment amount from XXXX to XXXX under my IBR plan. Despite that the fact that my income actually decreased from XXXX in XXXX until XXXX in XXXX. My wife is XXXX and I am the only breadwinner. I have over $ XXXX in student loans. This is not right. I have had to make 4 attempts to apply for IBR. I have repeatedly tried to resolve this issue with them but they continually insist they are bound my law.
Consumer complaint received 2015-04-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MO)

I filed bankruptcy back in 2011 and it was discharged in 2011. I have not received any information regarding the property at XXXX XXXX XXXX, XXXX XXXX, MO XXXX from chase. I contacted chase and they advised me that they will not be foreclosing on the property, want nothing to do with it, and that it has been charged off and basically the property is my responsibility. I have asked if I have any options for a deed in lieu and I have not received anything but the run around. I would like for chase to do something besides tell me that they have washed their hands with the property but I can only pay the balance in full after I 've already filed bankruptcy. They have provided me with no information as to what is going on.
Consumer complaint received 2020-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (UT)

I have now requested that the amount being held for overpayment to be sent to me. After multiple attempts the company continues to advise me that it could be up to 40 business days to issue a refund of the amount I overpaid at closing. The amount is over XXXX dollars and is being held by the company. I have requested it be overnighted to me and they refuse. I have attempted to request this payment to be reissued and sent out to me, and they have delayed and delayed and still have not sent the check that was supposed to be issued to me in XXXX. It is now XXXX and they still refuse to send the check back to me. Please assist me with this matter. Thank you.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX sent a refund from a subscriber savings account ( SSA ) to me in my name but to my ex-wife 's address, with whom I hadn ; t lived in 11/2 years. My ex-wife, XXXX, put her account number in the endorsement section on the back of the check with the notation, " For deposit.only. '' We do have a son, but he is XXXX y/o and his name is XXXX. He may be on her account. This was XX/XX/2016 ; though I have talked to Chase Bank officers, they have not taken any action to correct their mistake and satisfy my complaint. I have filed a forgery complaint with XXXX police. No response to date.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NJ)

Recently I submitted a dispute against XXXX ( XXXX ) -transaction date XXXX XXXX, 2016 for {$930.00} and received notice from Chase that my claim was rejected. My dispute is BECAUSE XXXX ADVERTISED COMPLETE WOOD SETS, UNDER THE WOOD SET TAB AND DELIVERED RESIN. 

I am escalating this to you because I have proof that my correspondence to Chase on the matter was ignored and hence do not believe my case was handled correctly. Please see the attached wherein I layout to Customer Specialist XXXX XXXX how the merchant misrepresented their product and why I want a complete refund.
Consumer complaint received 2016-12-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (PA)

Chase bank has hit my credit bureau twice in 2 months without my approval. I called them. they said I applied for credit cards. I informed them I did not. and do not want a credit card. they would not delete the inquiries from my credit. told me to contact credit bureaus which I did. XXXX said to contact chase and ask for letter of deletion. I have not received any help from chase. I 'm afraid they will continue to hit my credit without my approval. I want them to stop accessing my credit. 
I had fraud alert for past 90 days and yet chase was able to access my credit without my knowledge.
Consumer complaint received 2015-11-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AR)

Chase Mortgage : I was behind 2 mortgage payments. Chase recommended a loan modification. After 6 months, and request after request for documents, we were denied. The reason : the home is not our primary residence. We have a USDA backed loan. USDA loans are not eligible for modification if it is not your primary residence. This is a fact that was discussed with Chase from the very first conversation concerning the modification, yet they still allowed us to go through the process. So, Chase had us go through a loan modification we were never eligible for to begin with. This has resulted in thousands of dollars in foreclosure fees and late fees and has ruined our credit. Other bad practices by Chase : they returned a check for payment on the mortgage as it would opt us out of the modification, they lost over {$2000.00} of our money for nearly 2 months following payment, in full, of a reinstatement quote to bring the mortgage current following the failed modification, they refused to speak to me when I asked to escalate the issue of 2 late payments as a result of them losing the money, failure to explain withdrawals from my escrow account in the amount of {$200.00} and {$720.00}, I could go on ...
Consumer complaint received 2020-10-08
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)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

I have sent many disputes to the Credit Reporting Agencies and to Chase JMorgan in regards to the XXXX accounts that they are reporting in error on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that Chase JMorgan verified that these items are accurate. But it is ironic how Chase JMorgan will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Chase JMorgan. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a 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. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item 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 XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-11-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

It appears that information on my report is being reported inaccurately. I have XXXX  accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

victim of a predatory loan, have been trying to work w/the loan servicing company and they have been unable to help resolve the situation. Ocwen stated they are only the servicing company and the owner of the loan does not participate in any of the Home Affordable Modification programs, XXXX/XXXX/2016 conservation w/relationship manager was still delay in processing deed in lieu of next appoint is XXXX/XXXX/2016, but if we make a payment of {$7800.00} by XXXX/XXXX/2016 they can call us with the deed in lieu status by XXXX/XXXX/2016. We have been told that at this time the deed in lieu has not be approved by XXXX XXXX and they are pending the Titling information.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo due to unarthurized Charges proved I was a victim of a identity theft by sending proof of police reports and also a claim for my stolen merchandise they denied my claim XXXX when I really dident arthurize any transaction its been a tough year for Y family and I during COVID I want my money back they are stealing people money
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R & B Corporation of Virginia (IL)

On XX/XX/XXXX2016 I was alerted on my XXXX XXXX account that Credit control corporations had opened a collection account on my credit profile dated XXXX XXXX, 2016. I have received no correspondense on this account totalling {$210.00} on XXXX and {$250.00} on the other. Credit control corporations has not provided:1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent
Consumer complaint received 2022-08-05
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

In accordance with the fair credit reporting fair collections & Out has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written permission.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (SC)

I have been receiving repeated calls at my workplace from the phone number XXXX. In the last week, they called on XX/XX/XXXX at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, and XXXX, when I was finally in my office and I answered the phone, there was no repsonse, and they hung up. I returned a call at XXXX on XXXX/XXXX/15, and found that the number was for a Dillard 's credit card provided by Wells Fargo. I have never had a Dillard 's credit card. The system asked for an account number, and eventually ( when I did n't provide an account number, since I do n't have one ), I was connected to a representative, I provided the work number, she verified that I do n't have an account, and said a note would be created and the phone number would be removed. I then received additional calls from them at XXXX and XXXX on XX/XX/XXXX. Today ( XX/XX/XXXX ), I tried to call at XXXX to again request for the calls to stop but was told by the system that call volume was too high and they could n't answer my call. 

I have worked at this college since XX/XX/XXXX, so it is possible they have the number from whoever had the extension before me.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I called XXXX XXXX on XXXX and spoke to a loan originator, XXXX. He explained that my LTV was 77.54 % and my valuation was {$390000.00} ; making me eligible for dropping PMI. We discussed the options : PMI drop or refi- both of which would eliminate the PMI. However, it will take 10-12 months to recover the costs of the refi so I decided to simply request elimination of PMI. 
I called Pennie Mac on XXXX after sending secure messages on XXXX requesting PMI elimination. Several times I was given holds over 15-20 min and never transferred. Finally, I spoke with XXXX PMI specialist and her manager on XXXX. There are several phone # 's and not even the loan originator was truly sure which to call. The PMI specialist told me Pennie Mac calculates LTV as original value divided by LTV, and they only use an appraised value if I pay for the appraisal and only Pennie Mac can choose the appraiser even though I pay.

I explained that the loan originator was willing to refi me at 77.54 LTV which would eliminate PMI, and the manager asked for his name so she could research options/validity of my information. Once the manager researched my file ( previously discussed with me through the loan officer ) she suddenly had several options to talk about : including a {$150.00} appraisal or Numbers provided for Pennie Mac on refi letters, websites, and given by employees : XXXX, XXXX. During these difficult times with Americans struggling- large mortgage houses should NOT be allowed to make processes difficult. Try using Pennie Mac 's website ... .to eliminate PMI. It is near impossible and buried at least 10 clicks deep. Hardworking Americans should not bear a burdensome task that is not protecting the financial underpinning of our country. 
I did NOT choose Pennie Mac and I will not select them again.
Consumer complaint received 2017-10-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I tried to resolve the issue with XXXX XXXX but they informed that they no longer have the account. I requested for it to be removed since they no longer have the account. I was told that it was given to a lawyer so i will like it to be removed because im resolving it with the lawyer who now has the case.
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. Portfolio Recovery have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Portfolio Recovery, never signed a contract, nor do I owe them any money.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation (GA)

Performant Recovery XXXX Inc. has been collecting on my student debt from XXXX for over a year with a set amount of {$63.00} that is automatically taken out of my checking account each month. They have not taking out a payment since XX/XX/2016. So my complaint is that since they have not been taking any money out to pay on my debt it is not getting taken care of. My current amount that is left is {$3800.00}
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On approximately XXXX XXXX I opened a checking account at Chase bank. On XXXX XXXX somebody made XXXX unauthorized purchases with my debit card for {$90.00}. On XXXX XXXX Chase informed me that my account was on restriction pending closure. They said that they will not provide me a reason. This is very unfair because I have not done anything wrong. 
I went to different branches 4 times and I called up 5 times but they refuse to give me an explanation. I want an explanation why they are closing my account.
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Merchants' Credit Guide Company (SC)

I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l. 

I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached. 
And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.