davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
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. (FL)

my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX XXXX XXXX {$8600.00} 09 XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (NM)

I already filed a complaint against the issuer JP Morgan Chase. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

My student loan increases day by day because Department of Education institution are adding {$5.00} dollars each day. I had to ask to the Treasury Department that they deduct from my Social Security retirement benefit check as survivor of my deceased husband a XXXX or XXXX quote because I could not afford the amount that XXXX XXXX first and NAVIENT later was requiring from me.
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I contacted my current mortgage company to refinance my existing home loan. I have provided all the information necessary. I had my property appraised and they were able to lock a desirable interest rate. I was following-up on the status of the refinance since I have not heard from them and found out that the employee handling the loan has left the company. I called customer service and it took them a while to get back at me. I was finally able to get a hold of the right person. They were responsive for few days and have now ignored me. I had to apply to another financial institution. With the move, I have to get another appraisal. The worst part is I can not get the same lower interest rate. Why do I have to suffer because the Company has no policy in transitioning client files when an employee leaves. Also, why are they now ignoring me after realizing they are unable to provide the same lower interest rate that was locked but expired because of their own doing.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I have a Chase checking account, mortgage account, and 2 credit card accounts. I had XXXX reward points. My account was hacked and the points were transferred out of my account. XXXX identified that as fraud and restored the points. Months later I wasn't using the card that had been hacked so I thought it best to close it. I called and did that. There was no mention of my points being at risk. When I logged back on a few weeks later my points had disappeared again. I contacted XXXX. They said it was because I closed the account. I asked to have the account and points restored they said they couldn't. I complained. Nothing happened. I called back and complained again. 2 weeks later I received a letter saying their decisiion was final- they will not restore the points. 
If this was a matter of a couple hundred dollars I would just accept the loss. But this is a cash equivalent of {$6700.00} dollars I have been counting on being able to use for a trip planned in XXXX. Had they told me when I closed the account I would lose the points I would NOT have closed it. I'm happy to have a card I don't use if it means holding on to {$6700.00}. Please help me get those points back.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2019-10-21
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: EQUIFAX, INC. (FL)

Please remove these accounts which I listed in Identity Theft. Some of them payed in a good standing but all of them I did not open and never used. Some one opened them used my ssn and personal information. I do not want that all pf these accounts are reporting because they are not mine.
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (AL)

BETWEEN  XXXX    XXXX ,2017  THRU  XXXX    XXXX ,2017  I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
Consumer complaint received 2022-08-04
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. (WV)

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 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I am XXXX and on SSI. I informed Navient of this and instead of offering me the Zero pmt option, they have given me a forebearance for years turning XXXX to now XXXX with over XXXX in interest. They just today notified me of the XXXX balance. I am currently trying to get a dismissal of the entireloans, but never did they teel me how much the forebearances would cost me!!! I am XXXX therefore have NO taxible income and I notified them of this 5 yrs ago, yet they continued to rack up interest making me own double now!!!!
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/2021 I applied for a mortgage with Associated Bank. A few days later I received a letter indicating my FICO score. This letter indicated they were sending it to me because it is required and that they would contact me with further details about my application. On Monday XX/XX/2021 I sent an email to the loan officer introducing my self and asking if anything further is needed on my part. I did not recieve a response, through email or phone. After a few days had passed, on XX/XX/2021 I called customer service, specifically the mortgage center and spoke with them about my situation. The person stated he " can see from the computer that I applied 45 days ago '' and couldn't tell me why there has been no response. He said I can apply at another bank if I wanted to. He gave no other options or assistance. The following day, XX/XX/2021, I sent an email through the Banks " contact us '' section. I received a response stating that the complaint was received and will be forwarded. As of XXXX, 2021 I still have no response. No communication from the Bank or request for documents. On the day I applied they checked my credit score and that's it. If I didn't qualify, a simply courtesy note would have been fine. I could have gone somewhere else but I didn't want additional hits on my credit. I don't know why, after emails and phone calls they have not responded. Not a notice to cure or any response. I thought there was a law or something about that. Thank you.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (CA)

XXXX XXXX  sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from Ally Financial Inc in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and XXXX XXXX should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

Per XXXX XXXX and Nationstar ( attached affidavit total of claim ( s ) total of claims paid ) {$28000.00}. 
Currently the mortgage company states I owe XXXX XXXX but if we take the {$28000.00} above and per attached and add the missed payments since they would not allow me to make a month payment. 
That sum will not equal anything close to $ XXXX needed to reinstate my loan.
Consumer complaint received 2021-01-19
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting that XXXX, EQUIFAX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

This is the same complaint but I realized without the reference number I would not get a response. Please note that I'm resubmitting this complaint now with the Pay Pal Reference ID from PayPal ( Ref ID - XXXX ) I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an XXXX XXXX XXXX on XXXX XXXX in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided.

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the XXXX pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Paypal account XXXX, XXXX Ref ID - XXXX
Consumer complaint received 2015-10-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by XXXX XXXX, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from {$1700.00} to {$970.00}. I sent this in on a timely basis. In the midst of this XXXX XXXX was removed as my assistant but I was not aware of the change -- no one called. Then I got messages from someone from a collection group saying that I was expected to pay {$1700.00} and the {$970.00} could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged {$69.00} late fee. I protested. My case was escalated to a manager at Chase who tried to help but who continued to misread the contract. Eventually I was told that I had been kicked out of the Harp program because I had paid my bills on time. So I wondered if this were the case, why should I pay {$69.00}. In the meantime I had paid another payment of {$970.00}. I was told by the manager that I would be refunded the {$69.00} which did occur. The manager told me that even though my payments were reduced to {$970.00} and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for {$3400.00} to cover the XXXX reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NC)

The car was totaled out in XX/XX/XXXX of 2020. A check for the car was sent on XX/XX/XXXX for an amount of {$8400.00}. When the check failed to arrive the first time a second check was sent out on XX/XX/2020 in the same amount. I have contacted Hyundai Motor Finance about this on numerous circumstances and was given a run around. Today when I called I was told that my insurance needed to still send in a couple of documents still. I emailed my adjustor and he said that they were already sent in to HMF. I called back within 30 minutes and was told that they were closed. I had my father call and he was given the same run around that I was just given and know can not get in contact with them again as well.