davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXXXXXX {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$480.00} ; XXXX XXXX  XXXX XXXX  XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX  XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( XXXX : XXXX ) XXXX Balance {$420.00} ; DXXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX  ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX;
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

To Whom It May Concern, I have recently noticed a collections account on my credit report that is inaccurate and does not belong to me. Also, the collection agency pertaining to this account is Enhanced Recovery Corporation and they are not licensed to collect debt in my state, which is Tennessee. According to Tennessee state law, any company attempting to collect any type of debt, REQUIRES a license. I would like this account removed from my credit reports effective immediately! 
Thank you in advance!
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (DC)

My home was burgled in XXXX XXXX. Subsequently, XXXX credits cards were opened in mine and my wife 's name, most of which we have been able to dismiss at this time. However, a XXXX XXXX account was also opened in our name, and {$390.00} was charged to my account without my knowledge. In XXXX XXXX, I received a collections notice for this amount. I submitted an affidavit that my identity had been stolen, and I had not opened this account. I heard nothing about this account since, but received yet another collections notice in XXXX XXXX without hearing anything about my initial affidavit. I have tried calling XXXX XXXX multiple times, but get shuffled between Customer Solutions and Payment solutions, with no one taking ownership of a solution.
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ERC (MD)

I 'm complaining because I got a recorded call ( not a call from a real person ). The recording identified the company as ERC. The phone number of the incoming call was XXXX. The recording instructed me to call them and gave me a reference number of XXXX. I 'm not going to call them. Thank you.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (AZ)

After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I contacted Chase bank the issuer of my credit card. The Amazon prime card that I was provided was lost and used without my authorization at XXXXXXXX XXXX for 3 transactions totaling XXXX dollars. Upon contacting chase bank I was told the matter will be resolved. The amount was initially refunded to me. Today ( XX/XX/2023 ) chase bank has revoked my credit card for the amounts previously refunded. Upon contacting them. They said that they dont know why the transactions were billed. This is a clear violation of their policy. I requested these transactions be removed from my card but with no answer.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I made a payment on my Conns account XXXX XXXX, 2016. They applied it to the wrong account. The missed a number in the account number. I have sent the receipt to them several times, I have talked to them on the phone regarding this payment about 50 times now. They still do n't have it fixed. They have added several late fees on my account. I had a cash option til XXXX/XXXX/16 which has been taken off due to late payment. They have put it on my credit that I have a missed payment. I have made all my payments on time and every time that I talk to them they issue a problem ticket to the department to fix this. No one that I talk to can fix this and they wont let talk to them. I need this to be fixed and I do n't know what else I can do.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (ID)

On XXXX XXXX 2015 I went to Macy 's in XXXX. Tried to use my credit card. Denied. Said because I had n't paid the bill. I said I have n't received any statements. Told me I had gone paperless. Did n't think so. Went home tried to pay bill online, response was " not set up for online bill pay. '' Called Macys again, said I had not gone paperless, just argued with me. I told them this was a problem on their end not mine, would n't listen, said if I paid my bills on time I would n't have this problem. Paid my bill and {$50.00} in fees and closed my acct. How can they do that?
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

In XXXX XXXX, I received mail from Citibank with a promo code that if I opened a Citigold accound with them and met certain requirements ( maintaining min {$50000.00} in account or paying monthly fees on the account, using the account for automatic bill pay, using the debit card with some minimum spend etc ), that I would be awarded XXXX XXXX XXXX miles. I opened the account and met all the requirements by XXXX XXXX. All my paperwork from the opening of the account has the promo code and the terms of the promotion. I was told it would take 90 days after the requirements were met for the miles to post. On XXXX XXXX, XXXX, the miles had not posted. I was told to wait until the next cycle XXXX XXXX. When the miles did not post on XXXX XXXX, I was told that in fact, I was not registered for the promotion and would not get the miles
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (IL)

I did not apply for this in any way and they have a bunch of mashed up info about me when I looked what they were asking me for .... 
XXXX Thank you, Your Lightning Fast Loan Processing Customer Support XXXX XXXX Fax. XXXX
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIGY USA CORP. (GA)

In XXXX I bought a vehicle for my children in college the vehicle repossessed XXXX. About XXXX/XXXX/XXXX the debt turn up in the hands of some one called Main Street Acquisition Corp. they in turn hired a firm named XXXX to collect. Since XXXX/XXXX/XXXX I 've been paying anywhere from XXXX to XXXX XXXX XXXX. I feel taken because original creditors sold the vehicle in XXXX. I think I have paid enough on this old debt. Is there any help for me in this matter,
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

My loan was sold to Ditech on XXXX XXXX. I immediately started making my payments through my bank bill pay. I make the full monthly payment on or before the XXXX of each month. I also make a mid-month additional " principle only '' payment. Ditech is holding this mid-month payment until the first of the next month. I have called them and I have emailed a detailed request for them to apply my additional principle immediately upon receipt. They wrote me on XXXX XXXX saying that they needed 30 days to investigate and resolve the issue. I just received another letter from them saying they need additional time to review my request.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JMD,LLC (CA)

XXXX XXXX is reporting a collection account for a medical bill that was in dispute with original creditor and they were made aware that it was in dispute. I was injured in a car accident and the other party was responsible. I have an attorney and my attorney notified them that there were legal proceedings pending and they were to wait for instructions before proceeding. They ignored our dispute and reported this as a collection. I was in the accident XX/XX/XXXX and they are reporting it as being XX/XX/XXXX so they are also re-aging the account and providing incorrect, misleading and deceptive information to the credit bureaus despite our repeated communication to them that we are in dispute with the original creditor and that we did not agree with their validation of the debt.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

I called equifax to get the removal of all the credit inquiries on my credit report because they were tooken off but put back on and the representative that I spoke to said there was nothing that she could do when I know she could especially in this circumstance.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NC)

I have always had a good credit, until I 've had issues with Banana Republic credit card. There has been issues with BR reporting to XXXX credit reporting agencies without my knowledge. I 've been delinquent on my account, the reason being is I set up an automatic payment, but for some reason it did not work. I have n't checked my account in several months assuming automatic payment would be posted each month. Since the payment did not post due to the failure of automatic payment, BR reported my delinquency without contacting me first to resolve the issue. Once I found out about the issue I immediately made a full payment on my account and do n't have any outstanding charges.
Consumer complaint received 2016-08-24
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Razor Capital, LLC (TN)

I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016 I mistakenly made a payment of {$1300.00} to a closed Citi card ending in XXXX. I have called and requested a refund a number of times. Each time I call I am told something different. I have been told that my checking account was refunded on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. None of this is true. When I call ( at least 15 or 20 times ) I am told someone who can help me will call back in 24 to 72 hours, I have only received on call back on Sunday XXXX XXXX, 2016 from XXXX on team XXXX at ( XXXX ) XXXX. We talked about the lack of my refund, she said she would call my bank and get back to me in 24 to 48 hours. She has not gotten back to me in 8 days. I have called the ( XXXX ) XXXX number back twice and left messages, no returned calls.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

To whom it may concern : Can ANYONE help? I have fulfilled all requirements re Claim # XXXX dd XXXX Green Tree Loan Servicing, & I am being told that I MUST wait until further investigations are complete before the check which was issued by XXXX XXXX can be released to me for completion of repairs to the home I live in. 
I have an XXXX 15 year old daughter who is suffering in this HEAT WAVE -- -along with XXXX cats, a bird my wife and myself. 
No hotel will take us. 
My next step will be an attorney & the Media. 


XXXX XXXX
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (CO)

My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (NC)

someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect
Consumer complaint received 2016-02-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I signed up for a Citigold card in XX/XX/XXXX. Citibank said that they would give me a {$400.00} for signing up. I satisfied all the terms. Yet I have n't received the bonus. I 've complained to the brank about this over 15 times. They keep " investigating '' but no bonus for me. This is fraudulent and deceptive. I am XXXX years old. This is deceptive to seniors!
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (CA)

Received a robocall from " XXXX '' saying he was going to deliver a summons in the next 24 hours and to be available with XXXX forms of ID, etc and to call XXXX. I called. Spoke to XXXX, from XXXX XXXX XXXX, told him I dispute the debt, that it is time-barred, and that the kind of roboocall they are doing is illegal. He said hey, lets resolve this now, I will make it go away for {$1900.00}. I told him I dont have any money and they are not allowed to call that phone number any more ( it 's not mine ). He hung up on me. I called back asking for the company address and summons and court case number. He said it would be delivered. I told him I did n't want to wait, that I wanted the information so I could turn it over to a lawyer asap. He said it would be delivered by summons and hung up. The summons never came and they hang up on me when I call to ask for their info and the info on the courtcase they claimed they have filed and which I can not find on my Counted docket.
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (GA)

It appears JPMorgan Chase Bank N.A cancelled a student loan debt of {$7600.00} but failed to mailed a XXXX. I was notified by the IRS that the amount stated above was reported for the tax year of 2013 ; however, I never received a XXXX from Chase to report the amount as income. I called to Chase and advised I did n't receive the XXXX form and requested a copy of the dated letter thatn included the form that was sent. Chase stated they only could send me a copy of the form but could n't send a copy of the actual letter with the date the form was sent. Also, their records didnt ' provide an actual date/time the form was sent. Customer Service was very rude and condescending. It 's clear Chase never provided a XXXX as they could n't provide any proof it was sent
Consumer complaint received 2016-11-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

The bank own the house. The owner never told me nothing. I FOUND OUT WHEN WATER WAS SHUT OFF..cause he pay it. That was on the lease agreement. SO NOW I WANT TO STOP IT FROM BEING SOLD TO ANY ONE potential buyers
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CA)

Thank you for taking the time to read my letter. I recently pulled my credit report and noticed I have some derogatory terms from Nelnet regarding some student loans I had. I wanted to discuss these late payments and also the ramifications of them. 
I went to school to be a XXXX, because my entire life has been XXXX and that is true to why those late payments were not put into deferment earlier. My mother has struggled with XXXX her whole life and during these times in which I did n't pay my student loan on time, I was struggling with putting her into XXXX in addition to constantly moving. 
Specifically, I want to address, the reasons why I was late in during the time period of XX/XX/XXXX on ... This was the time my mother went to XXXX in Missouri and I was back and forth making sure she was okay. I made a mistake as we all have done in the past, and in fact paid a XXXX group of my loans off, to show the faith I have put into refocusing my attention to my credit and my mistakes. You can see as well that the moment I realized my loans were in collections I applied for a forbearance during these times. 
I want to also look at during the XXXX, XXXX period, I applied for a forbearance on XX/XX/XXXX and then again not even 6 months later but this is n't addressed in my credit report. I want the opportunity to develop a relationship with Nelnet, and be able to trust in you to be the administrator of my student loans. I was XXXX years old when I went to college, my annual income has gone up since then and in fact, I am continuing my education to get my XXXX 's and I want to eventually get my XXXX. 
I understand the mistakes I made when I was young and my life was in turmoil, but as an adult, my credit report is suffering, it says I have only made 88 % of my payments on time, and forces me to pay more for rent, for a security deposit, avoids the ability for me to get a small business loan and develop the company I 've started. It 's created a burden on my life, which I understand will go away after 7 years, but I would like to be considered to remove these late payment charges from my credit report and even pay some of the interest on my student loans. The money I currently pay for a security deposit on a rental could be going to Nelnet ahead of time, however, it has put me in a situation where my credit is n't good enough to afford a car, a home, or a reasonable situation. 
I would love to see this be removed and work towards rebuilding my relationship with Nelnet for the future, rather than destroy my credit and hurt me for something I did when I was young, in a crisis situation and made mistakes. Nelnet presented me the opportunity at XXXX years old to go to school and be a XXXX, I would not have been able to afford that if that was n't a student loan. I am now a XXXX for a XXXX. I want to do the right thing, but I also want to see changes to my credit to support my lifestyle and to support the person I am today.
Consumer complaint received 2017-02-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NH)

Hi, Payment in full was made over the telephone the banking account info was entered incorrectly and the payment was reversed, once we we aware of this we called to make payment in full being told that because of the error the late fees would be adjusted, each month when we got our statement, the late fee was never adjusted so each month for the last 3 months we could call and they would apologize guarantee us the fee would be adjusted and we have a XXXX balance. This last month same thing happened account shows a balance which is the late fee, we do n't pay the late fee because we are told it was going to be adjusted because we dont pay this fee, we are hit with another fee on top of it, we call again to get our fee adjusted and this time we are told they are not adjusting any more fees. I explain had this been done correctly in the first place I would not be calling for the fourth time to rectify this situation. I then asked to speak to a manager, not sure if this was a manager or just one of the reps colleagues to explain Final outcome they would not adjust and told me they could not give me special treatment. I explain this is far from special treatment this is horrible treatment, I was only going by what I was told on 3 previous occasions, I would appreciate any help you may be able to offer. Thank you for your time
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

Today, I went to CITIbank at XXXX XXXX XXXX. XXXX XXXX, CA XXXX to make a payment on my CITIbank master card. I gave the teller a {$100.00} bill and told her I wanted to make a payment on my card. She informed that the bank has a new rule that requires me to provide my social security number, my driver 's license and my occupation to make a cash payment. I asked if that was a bank policy or a new federal policy as I pay in cash each month and have never been asked for that information. The teller did not have an answer for me. It has been my understanding that a SS # is to be used for tax payer identification purposes only. I did provide the information requested to avoid a late payment but am very concerned about this new practice. I understand that transactions over {$10000.00} must be reported but my {$100.00} payment was n't near that threshold. In summary, is it legal to require this from an American citizen to make a cash payment? If so, can other institutions and business require the same ID? This is a very alarming policy and seems to be overly invasive.