davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both Transworld Systems Inc and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since  XXXX  of   XXXX  . Transworld Systems Inc is claiming that I owe a debt of {$35.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Freedom has refused to lower my credit card interest rate for the last two years plus from their highest obscene rate of 29.9 %. I have n't missed a payment or been late with a payment in three years. Last time I asked they said the rate was based on my original application guidelines. I 've had this card since 1990. How is it possible that I 'm tied to guidelines from 26 years ago when everything else in banking and credit card regulations has changes numerous times.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IN)

Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have disputed with experian/XXXX/XXXX that I have identity theft on my credit report with XXXX accounts that were opened fraudently. I also contacted the companies directly to report this information. XXXX XXXX did an investigation and I received a letter stating the investigation was done and it was proven that someone stole my identity and the information will be removed from my reports. To date this information has not been removed. I also have XXXX store showing on my report that also has been a part of identity theft. These credit reporting agencies are doing nothing to remove this information. I have been disputing this for months now and it is affecting my credit score. I am complaining because I have made numerous phone calls to the credit beaurous and ca n't reach a live person to speak to with experian. Along with this complaint I am also complaining because there are a few ( XXXX ) accounts that are showing as negative ... ..when in fact I have valid proof from the bank that these accounts were never late and should be showing as satisfactory on my reports.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

Beginning on XXXX/XXXX/XXXX I had left my company and was out of work. At the time I had funds to continue paying my student loan, but then I needed to find some time of full-time job since my bills started adding up, which I was able to secure in XXXX. However, the job I am currently working does not provide me nearly enough money to pay all of my bills and I had requested to Navient for a forebearance/reduced loan grace period during late XXXX XXXX XXXX. After I thought I had submitted everything correctly to Navient, I was given a letter back saying that I had needed to submit my information again, which was confusing. I wound up not re-submitting and am continue being charged the full amount for my monthly student loans, which I ca n't afford at the moment. 

I am requesting to get the money I had paid in both XXXX XXXX and XXXX XXXX back into my account, since I do not want to work with Navient anymore on repaying my student loans. I am aware of the issue going on between the Government suing Navient for the unethical actions towards their customers. 

Unfortunately, I do not have the supporting documents from Navient, but I 'm sure they can provide my submission request or a background check will show that I was out of work from XXXX to early XXXX XXXX. 

Please let me know if any further information is needed here. 

Thank you, XXXX
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

A representative from Chase Commercial Services by the name of XXXX XXXX called my cell phone on XX/XX/2016 and was impersonated to be a lawyer representing XXXX XXXX.After several attempts he also mentioned he worked for CHASE BANK. He then went on to try to collect the wrong amount for a difference of $ XXXX I actually send XXXX XXXX and email with the indication that what he was trying to collect was the wrong amount. He continued to send me text messages where he is using my social security and sending me a text message with my social security. I have asked the representative by the name of XXXX XXXX to stop calling me and to stop calling my landlord.
Consumer complaint received 2017-01-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: STATE FARM BANK, FSB (CA)

I have a checking account with State Farm Bank that earns interest on the balance in my account. I pay checks with their online checking service. Some payees, like a utility company, are sent their checks electronically. Other payees get their checks by US mail. On the day that State Farm sends the check, either electronically or by mail, my account is debited. This procedure is unfair because the checks sent by mail may not be received by the payee for several days and the payee may not deposit the check in their account for credit for many more days. This means State Farm has used my money for a lengthy period of time between the debit to my account and the credit to the payees ' account and I have lost interest during that period.
Consumer complaint received 2015-07-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (RI)

My name is XXXX XXXX XXXX .I have been a loyal payer of my mortgage for the last nine years.I have requested help for the last six years and they did nothing cause I always paid them.XX/XX/2015 I told them I will no longer pay them until they do something to help, now they are foreclosing on me.I had perfect credit, they have ruined it.They now are telling me I only qualify for a short sale or deed in lieu.Why are they allowed to do this? ( XXXX ) XXXX, please help me, interest rate isXXXX.XXXX, other mort rate isXXXX.XXXX both are interest only.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (PA)

i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NC)

I received an Amazon.com Chase credit card on XXXX 2016 and just received another letter that an application was submitted for another Amazon.com Chase credit card ( letter dated XXXX ). Both times, I did not apply for either credit card. The first time I received an actual credit card in the mail, canceled it immediately and ensured the card was removed from my credit report. The second notice of an application was actually denied. Called Chase immediately, they canceled the card and also removed it from my credit report. The agent from Chase asked if I was a frequent shopper at Amazon.com. We are and have a XXXX membership. He indicated that applications can be easily submitted when you have an account with them. But find it very upsetting that this happened to us twice when we gave no authorization for a card to be opened. I called Amazon.com and submitted a complaint with them directly, but feel that this is the best way to ensure this is taken seriously.
Consumer complaint received 2016-01-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

My loan debt is zero. I 've received all letters stating this and I 'm out of default status. I 'm beginning college at University XXXX next week and this negative impact on my financial aid is Ludacris. I have proof all loans are not default or have a balance. They harass with calls even though I owe nothing I 'm going to sue if I have to. I want that negative impact information removed asap my credit is suffering because of these greedy collection agencies and I wo n't stand for it.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/15, I completed the terms of a settlement agreement offered by chase on my account ending in XXXX, but it was never appropriately reported to the credit reporting agencies. When I made my payment of {$730.00} to settle the account I was informed that chase will report my settlement to the credit reporting agencies reflecting a XXXX balance due. However, my credit reports are still noting a balance of {$970.00} even after I called all 3 credit reporting agencies to dispute account/presented the proper documentation and also called and spoke with a representative of chase to report the issue but I informed it was going to take more time to get resolved. This issue is affecting my credit scores and my ability to get credit at this time.
Consumer complaint received 2021-11-25
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. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WA)

I have my home loan with Citi mirtgae since XX/XX/XXXX my house has been worth less ans less every year since then at one point about half its original value. I have made all my payments on time and never missed a mortgage payment. They adjusted my rate XX/XX/XXXX to a lower fixed rate but my house is still under water. Im thinking qbout walking away drom my loan.
Consumer complaint received 2016-07-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a call that there will be a warrant out for my arrest of I did not pay a delinquent payday advance loan from ACE cash express a few years ago. I was willing to make payments towards the debt however they told me if I did n't pay half of the full amount or {$500.00} then I will be arrested. Since the loan I have moved a couple times and have had a change of numbers this is the first time I am hearing of this and am being given little to no time to respond or make payment arrangements. Can they arrest me if I did not receive any information until now?
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (HI)

Wells Fargo used fraud to push through a settlement agreement without the remediation for water damages on a condo they assumed with the 2006 bank mortgage melt down. The civil case is 6 years old and in the Appeals Court. 
My opening brief is attached.
Consumer complaint received 2017-08-15
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. (IL)

As of today XX/XX/XXXX a chapter XXXX bankruptcy was taken off of my account a week or 2 ago and readded today withou a proper t day notice and its showing illegally from when i first disputed this information. The courts do not give out thia i formation to verfiy this document. I want verfication with my signature of this debt! Other qise it is 2 be removed immediately!! Because 2 laws have been broken.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

my XXXX credit card account was transferred to Citi without my permission or knowledge. My american express was on quto pay for many years. Since I was not inforrmed by Citi that my balance was transferred to them and I never received a bill or statement from citi my payment was late and citi sent a late payment to my credit report. Meanwhile my autopay to XXXX was made. When I found out about this 6 days after my payment was due to citi I called them and they said there is no grace period and I was out of luck, my credit report will show the late payment. I thought there was a 60 day grace period when credit accounts were transferred from one creditor to another but citi said no. I would like citi to remove the late payment fee and to remove the late payment from my credit report. the payment was made in full right away on the phone when i called citi and found out about this problem
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.
Consumer complaint received 2016-05-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JMD,LLC (CA)

XXXX XXXX XXXX XXXX sold my information to High Desert Creditors Services I sent a verification of debt for the High Desert Creditors Services to provide me with a contract where I contracted with High Desert Creditors Services they responded to me onXX/XX/2016 where they stated that was a verification of the debt just to be clear a verification of debt has to be sent by the original creditor and it also has to have my wet ink signature the letter that was sent to me there is no wet ink signature where I contracted with the original creditor with that being said
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I am filing a compliant in regard to the Lawsuit filed against Navient. I too was told to take a " forbearance '' on my Loans. My original Loan amounts totaled $ XXXX. Due to long term forbearance my current outstanding balance is {$170000.00}. This is outrageous and criminal.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX, a check was mailed for {$55000.00} ( the full account balance ) from XXXX XXXX XXXX XXXX XXXX, IL. This check was cashed on XX/XX/XXXX, however was not credited to the account until XX/XX/XXXX. Due to the delay in processing the payment on Navient 's end, there was a {$260.00} late payment/additional interest on the account. This late payment should not have been added to the account as the check was received on time, but the delay was on Navient 's end while processing the check.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (NC)

I have a credit card account with Barlcays Bank. I have had the account for 2 years. When they opened the account it was for {$5000.00} credit limit. Over time it was increased to a {$7000.00} credit limit. I have never been late on this credit card at all. Always paid it on time. Today I receive a message that my credit limit was lowered because they did a review on my application. They lowered it to XXXX. Which was lower than what was originally offered to me. Keep in mind about 8 months ago I paid this account down to a balance of XXXX. In that time I was offered to do a balance transfer on my credit card. I took the offer and moved debt from other credit cards over. Now the card balance is at XXXX. The fact they lowered my limit is going to make my credit score look worse. What I am asking for his for them to raise my limit to at least XXXX. The amount they originally gave me for the credit card.
Consumer complaint received 2016-08-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

I was contacted online by a person claiming to be private money lender for Real Estate deals. I sent from my banking establishment an application which he requested, {$1500.00} to his banking institution with a promise of financing a Real Estate deal. After further consideration, I opted to not go through with the loan and requested a refund of {$1500.00}. I was told the money would be refunded in 42 weeks, which is unacceptable unless all his customers are treated this way.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I had a credit card with Banamex. My account is closed. The company contacted me to inform me that the company was closing and they needed to send me {$310.00} ( refund ). They claimed they mailed the check but had the wrong address. I updated my address via phone and completed/mailed the required loss declaration paperwork in XXXX and I still have n't received my check. I called several times. This is my second complaint. This company is extremely unprofessional. I would like my check so I can officially termite the relationship.
Consumer complaint received 2016-06-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (MN)

I have already paid them XXXX on a XXXX dollar loan I called for my payoff balance and they say I owe XXXX they never told me my interest rate before I got the loan!!! I never received any paperwork only my payments schedule
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (DE)

2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

On XX/XX/21 I received an email from Brink 's Money Prepaid Mastercard that stated that my card was on its way in the mail but I had never actually signed up for the card. I tried to call Brink 's Money but could not get through to an actual person. I have recently been a victim of identity theft and I'm not sure if someone else tried to order a card or if this is just marketing.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NY)

I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.
Consumer complaint received 2015-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

XXXX XXXX XXXX sold my loan to Nationstar Mortage LLC. It is almost impossible to deal with this company and took pulling teeth to finally find out how to pay my mortgage. Now I receive a letter from my insurance company ( XXXX ) that even though I am paying my mortgage that XXXX is not receiving mortgage insurance premiums. I am paying for insurance with XXXX but XXXX is keeping the money and not paying my insurance company.
Consumer complaint received 2020-04-17
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2016-09-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (AL)

The financial institution that pulled my credit information in error has disputed the issue and asked that it be removed from my credit report. However, that does not excuse the fact that a mistake was made with in that bank which has caused me anxiety, inconvenience, frustration, and the decrease of my credit score due to the " hard inquiry '' being submitted ( with out my authorization ). I spoke to an attorney today and filed a police report.
Consumer complaint received 2015-07-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I was denied a fha loan with quicken loans. I believe the reason was descrimination. I meet the income, length of employment, and credit requirements and still was denied. I was told on the phone it was because i didnt make enogh income. Then i received a letter of denial saying it was because of excessive debt.