davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Cogent Road, Inc. (CA)

I was Contacted by mail from XXXX about a ReFi, I spoke with a man there about rates and he asked to see my tax returns. I Asked him Twice not to run my credit but he did regardless because my social security number was on my return. He was extremely arrogant about running my credit telling me he had to to see what rate he could get. I asked him not to. I want to File A Complaint with this shady Business. FUNDINGSTE XX/XX/2016 FUNDING SUITE XX/XX/2016 FDNG STE XX/XX/2016
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (MI)

Hello, I paid off my credit card balance in full per their statement only to get a bill for a fee. I was carying a balance and had been charged fees for carrying that balance, which was my motivation to get it paid off. I called Chase regarding this fee and they basically said to bad. I argued the fact that I paid the balance in full according to their statement and should not have to pay the fee as it was not on my statement.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

my loan was referred to them to have lower payments and the payments were very expense and not fair because the school that i am repaying the loan for was closed down due fraud. I was looking for assistance with payments that was within my budget and the payments they calculated were very expensive. and they always suggested forbearance now i am behind because i could not afford the payments.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank has put on my credit report that I had a foreclosure on a property I owned in Florida. This loan was a short sale loan. The loan was a negative am loan underXXXX and Chase Aprroved the short sale. I need them to update my credit report to reflect late pay and paid as agreed, short sale specifically on the experian, it states XXXX. I am applying for a mortgage and all of the copanies are stating that I have a Foreclosure with Chase because of the XXXX. The other XXXX are correct.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

This is regarding an alleged debt of {$280.00} with XXXX XXXX that is on my credit report. I have reason to believe I do not owe this debt because I believe they have me confused with a different person. I have been requesting all of the following information be provided to me by mail since 2017 and have yet to receive this information. 

1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing they have verified that I am responsible for this debt including my original signature when opening this account. 

They have not provided me with any documentation that this debt is mine and refuse to take it off my credit report. I have contacted the said original creditor and they do not have my name on record or this debt. 

I would like this removed immediately from all credit reporting agencies.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Other — 
Company: Garner & Conner, PLLC (TN)

When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact XXXX so I called XXXX and the rep stated she could not help me and I needed to contact Garner and Conner so I called Garner and Conner and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

I used my lender 's online site this month to pay our monthly mortgage payment. I noticed that our payment had increased by {$120.00}. The increase was in our escrow. I had to call three times and still I do not have an answer that I understand or feel confident in. The first individual that tried to help me did nothing but babble and I soon discovered that she had no idea what she was telling me. I asked to speak with somebody else and she said, " I will be more than happy to help you with that '' and hung up. I had to call back, and maneuver through the labyrinth that is their automated system, and spoke with another individual who told me this was a mistake with the website and it would be corrected. I checked again later and the payment amount had not changed. I called back and was told that this was not a mistake, but the payment was increased because a check was sent to me in the prior month to cover that increase. I also found out I was sent two escrow refunds to us but I did not get it because the lender did not include my unit number on any correspondence ( which is ludicrous because THEY hold the mortgage to this unit ). The third individual said the increase was an accounting issue, updated my account, and assured me that our money would be resent to us. However, I still do not trust this and I really have little confidence in this lender. We have received no correspondence, phone calls, or emails from this lender regarding any issues with returned mail. In fact, they did not receive our renewed condo master insurance policy, and instead of contacting me by mail, email, or phone, they simply took a huge sum of money out of our escrow and sent me an email AFTER the fact. I was able to correct that issue, and the money was returned to our escrow. But these issues really make me question the competency of this lender and whether our account is really in good hands.
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services (TX)

I havr Federal Student loans that were serviced by a company called ed financial. My account was current for several years and also on forbearance. Unfortunately when the forbearance was up I was unemployed due to being layed off by my employer. Ed financial no longer serviced my loan and was transferred to whether company and I was unaware. Ed financial shows on my credit as 120 days late. 
Now I have taken the proper steps and have had all my loans consolidated. Edfinancial still shows on my credit 120 days late dated back to 2006. I have disputed thru the credit bureaus to have Edfinancial removed from my report as it have been over 10 years and they will not remove it. I want the item removed as I was unaware that the servicer was changed and also I got behind because of this and also this account is over 10 years old.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (OK)

In 2015, I ordered workout items from XXXX Co. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

XXXX continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.
Consumer complaint received 2016-11-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (KS)

Received a call from Np Group, stating I faulted on an online loan back in 2012. They told me my full social security number which I did not give to them and I tried to tell them I have never received an online payday loan. XXXX to a XXXX he hung up on my then spoke to a XXXX first time she hung up on me second time she said she can not give me any information by mail only online. I told her I do not due any business via online so she said she will contact cpap investors and note the account as unwilling to pay. This is a scam the number that called me was XXXX. I wish to be taken off thier list for I do not owe this debt and they threaten to contact my family members to get this resolved.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (NJ)

I recently read about Citibank being fined for unfairly charging its customers for extra products and also for unfair debt collection practices. I had a card with Citibank for many years, the balance of which was supposed to have been paid off as part of my divorce proceedings in XXXX. In XXXX XXXX I went to the bank to find my checking account had been frozen due to a lien placed by Citibank. I was never served copies of a judgment or received any communication at all either from Citibank or its attorneys. Calls to the law firm are not returned and I can not get resolution. They recently placed another lien on my bank account. After reading about CFPB 's fine of Citibank, I would like to know how to find out if I am XXXX of the millions of consumers that were affected by their fraudulent practices.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

In XX/XX/XXXX I lost my job. In XX/XX/XXXX I went back to work full time. Over the past 6-8 months I have been trying to work with PNC to get a loan modification and avoid a foreclosure. I have had a very difficult time with PNC. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. PNC always seemed to lose my paper work, which I constantly had to re fax. In XX/XX/XXXX PNC told me I was in underwriting with a complete package. Then in the end of XX/XX/XXXX, right in the middle of the holidays PNC asked for more documents. Which were the same ones I already sent. PNC 'S modification department is beyond dysfunctional. Then in XX/XX/XXXX PNC stated that I needed to resubmit and start all over. I then began to resubmit the modification and go through the dysfunctional system again. So now in XX/XX/XXXX when I had a confirmed complete package PNC said there is not " enough time '' because of a sale date on XX/XX/XXXX. Completely backed doored by PNC. I am now facing a bankruptcy and a foreclosure because of the dysfunctional train wreck that is PNC modification dept.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Creditor ( XXXX/XXXX ) continues to report past due payment although payments are managed by XXXX at a fixed monthly amount that creditor agreed to at initial contract. Previous dispute was not resolved and incorrect information has not been removed. It is not accurate, fair or ethical to claim a past due amount when that was n't the agreed upon monthly payment.
Consumer complaint received 2016-06-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo is not returning calls to my insurance company to rectify my mortgage insurance escrow due. XXXX XXXX and myself have even conference called Wells Fargo and no one is getting back to me or XXXX My monthly insurance escrow increase per state farm is $ XXXX/Mo NOT $ XXXX/mo that Wells Fargo is stating the increase is.
Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MO)

Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.
Consumer complaint received 2017-03-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (SC)

I was contacted by a collection agency. The agency information was incorrect. The address, visa card bank name and amount of {$5000.00} was definitely not me. The agency name and email is XXXX I will be providing my credit report from the beginning of the year. I am attaching my recent report as well due to cleaning up my credit report from the new year.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have been at arms with Experian for the better part of three months regarding the removal of a fraudulent/incorrect item from XXXX. I sent all XXXX credit bureaus the same evidence and the other XXXX removed the issue without any further hassle. When I contacted Experian regarding this in XX/XX/2017, I was instructed by a representative that they were going to remove the item without anything else needed on my end and that the process would take 3-5 business days. 7 business days later, I contact again to find this was a misrepresentation and that they did not remove the item. I requested contact by a supervisor and for them to report my issue as a formal oral complaint. To this date, I have never received acknowledgment of my complaint nor did I receive a call from a supervisor. I continue to be misled and completely lied to by this organization and they continue to hold my credit hostage by not accepting the evidence from the XXXX XXXX. I request formal contact and swift remediation of this issue including removal of this fraudulent negative item. I have included the letter from XXXX XXXX specifically absolving me of any type credit issue.
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (NC)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent  accounts be deleted and blocked from my credit file.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.
Consumer complaint received 2017-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I have a HELOC that is being serviced by DITECH. I am paying interest only payments right now and it is due to reset, ( pay principle and interest ) this year. When I ask DITECH what month will it start. 

I was told in XX/XX/2017 and most recently in XX/XX/2017. I asked for it in writing with payment amount and was told it could not be done because they did not know and it could n't be figured. I just " had to wait ''. 

I have friends whose bank gave them a written notice a year in advance. 

I would like my new payment information concerning the reset as soon as possible so I can plan accordingly. 
They know the principle balance due. I should be able to get an estimate and not be left in the dark until the last minute. I have heard of payments doubling and more. I do n't want to lose my home Is there anyone I can turn for help? I am afraid they are going to stick to me because this was ( is ) a predator loan bought from XXXX.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services (CA)

I am current member of XXXX, XX/XX/XXXX I received an alert stating I have a new credit inquiry. Since, I am currently in the process of pre-qualifying for a home, I was very curious to see why there was an inquiry on my report. The name of the company is Clarity Services, there is currently an inquiry from them on my report. I distinctly remember the day before I unsubscribed from a least XXXX places in my email that were asking me to finalize payday loans. I attempted to contact Clarity Services on more than one occasion, each time I was on hold to speak with a representative for at least 30-45 minutes. I want the company to provide me with proof that I authorized them to access my credit report.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I spoke with a representative from the company and asked about credit reporting. 
I asked if I would see it on my record because I had read online somewhere that it should. I was told it would show on there once it was paid off. 
I did pay it off and it never hit my report. For the disgustingly high-interest rates these robbers charge, they can at least give you a bump on your credit, especially since it is the only option for some people who need a loan.