davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (DE)

Our mortgage company XXXX Rocket Mortgage XXXX has repeatedly contacted us about refinancing and/or borrowing against the value of our home. Since the value of our home has increased, we asked if could have the PMI removed since the loan-to-value ratio was estimated to be below 80 %. We were told ( and I have this in writing in the form of a text ) that as long as an appraiser estimated the value of our home at a price that made our loan-value ratio lower than 80 %, we could remove the PMI. We got the house appraised, submitted the appraisal to Rocket Mortgage, then followed up and asked them to remove the PMI. They then said that we had to go with an appraiser of their choice ( something we explicitly asked them ) and they could not remove the PMI until that point. The text I received had a number and when I called that number, they claimed they had no record of that communication from Rocket Mortgage. Instead I was told I would have to make a principal payment of {$38000.00} do have the PMI removed.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (IL)

Ally financial have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (FL)

I have called Netspend several times Over the coarse of 2 to 3 months regarding fraudulent activity on my account. Ive had almost XXXX representatives lie to me, Ive had representatives hang up on me and put me on hold instead of filing the charges. As of today, Netspend has told me that the fraudulent activity on my account was me! This is ridiculous and it is fraud at its finest. This company does not need to be in business. The charges were as follows I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Amount Merchant Name {$53.00} XXXX XXXXXX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXX/XX/XXXX {$16.00} XXXX XXXXXX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$93.00} XXXX XXXX XXXX FL XX/XX/XXXX {$23.00} XXXX XXXXXX/XX/XXXX {$240.00} XXXX XXXX XXXXXX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$130.00} XXXX XXXX XXXX FL XX/XX/XXXX {$80.00} XXXX XXXX XXXXXXXX MA XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$81.00} XXXX XXXX XXXXXX/XX/XXXX *NETSPEND PURPOSELY HAS REPRESENTATIVES MESS UP CLAIMS JUST TO DENY YOU AND TELL YOU THEY ARENT FRAUDULENT. I will be seeking a lawyer.
Consumer complaint received 2019-05-28
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. (MI)

InXXXXofXXXX,Ibegantoreviewmyannualcreditreport.Atthistime,IbegantonoticeseveralinaccuracieswithmystudentloansservicesthroughXXXX.Fromthattime,therehasbeenover27changesregardingthebalanceaswellasthepaymenthistory.Atthistime,IamunclearofifANYoftheinformationfromXXXXisorhaseverbeenreportedandcalculatedcorrectly.Thishasmadeaverynegativeimpacttomycreditscoreandmyabilitytoobtaincreditfrompotentiallenders.Idonottrustthatanytheinformationhasbeenreportedcorrectly,or,thatmybalancetodateincludingthecalculationofinterestiscorrect.

Iamrequestingaformalinvestigationtakeplaceonmyaccount.Iwanttohaveallstatementsandledgersprovidedtomeshowingeachpaymentthathasbeenmadefromtheinceptionofallloans.IalsorequestthatIbeprovidedwiththemethodiswhichtheinterestisbeingcompoundedandappliedtowardsmyaccountfrominception,andaledgerindicatingthisinwriting.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (IA)

We had a mortgagee loan through Mr Cooper aka Nationstar Mortgage. They have failed to report my mortgage to the credit bureaus for a number of years? Both my wife and myself. I have been denied credit because of no mortgage history. We no longer have our loan with them but they definitely affected us adversely. I tried on multiple occasions to get them to fix it!!
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX  Balance.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OR)

My last complaint was closed. This is an addition to it. 

No matter how much paper they throw at this issue it is very simple. 

I NEVER authorized the use of my card for the charge in question AND the company ALTERED the receipt to justify using my card. NOBODY can show a receipt with my signature that authorizes discover to pay this bill!!!
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (MN)

Ally Financial is discriminating against me by denying me credit and an opportunity to open up a checking account online. Ally Financial is also discriminating against me because of my race, me being XXXX American ( XXXX ). Ally Financial is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB :XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

I have an XXXX XXXX XXXX XXXXXXXX issued by Chase. In early XXXX, I was contacted by Chase about two charges that they suspected were fraudulent. I confirmed that I had not made these purchases ( XXXX delivery orders on the other side of the continent ). Chase then canceled my credit card and mailed me a new card with a new number. So far, so good. But when I received my written monthly statement today, it included these two charges, for a total of {$53.00}. I called the number on the back of the card, explained the problem to a " customer service '' representative. She said she would have to transfer me to the fraud department ; I was left on hold, and informed that the wait would be about 20 minutes. I hung up, and called back. This time the " customer service '' representative clearly recognized the problem, said that she was powerless to help and that she would have to transfer me to the fraud department. This time, I did hold, but after about five minutes the line went dead. I am filing this complaint with the CFPB in the hope that ( 1 ) you will be more effective in getting Chase to reverse these fraudulent charges and ( 2 ) you will investigate to see if my experience is part of a regular pattern and practice by Chase - who may have consciously concluded that many or most customers will decide that it is easier simply to pay the fraudulent charges than to spend an unknown number of hours dealing with Chase 's unresponsive " customer service '' department.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I have been trying for the last week to lift a credit freeze with Equifax. I have tried using the telephone and the computer. The system tells me they cant find me and will not continue when I have given my social security number, date of birth and full name. Also they seem to require that I have a cell phone to continue. I do not because we live in an area without cell service. I have a PIN number from when I established the credit freeze in XXXX. They no longer honor it since they changed the system in XXXX but did not inform me. I have spent a number of hours trying to lift the freeze for 30 days but can not get through the layers of roadblocks they have imposed. On many occasions the system simply goes dead, or says we cant find you or some such. I have had zero trouble with the other two major credit agencies. Equifax is a disaster that we all depend on.
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MD)

I have been disputing this account with XXXX XXXX XXXX XXXX Equifax, and XXXX for months. The bureaus claim XX/XX/XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/XXXX and again XX/XX/XXXX If such information was provided under this order that is grounds for District Court withXX/XX/XXXX and all 3 credit bureaus for obtaining medical  information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX  per violation per company (XXXX XXXX XXXX XXXX EquifaxXXXX and XXXX.
 Defamation
 Negligent Enablement of Identity Fraud
 Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
Consumer complaint received 2020-01-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NC)

Hello, We began falling behind in our mortgage payments due to hurricanes and medical issues. This began in XX/XX/XXXX. We continued to file for a loan modification and CMG Financial sent us a letter saying our only option was a repayment plan in the amount of {$2900.00} each month until we were current. They decided this amount based on our financial information and our GROSS income. Our mortgage payment went from {$1400.00} to {$2900.00} each month. We were forced into accepting because we did not want to lose our home even though we were going to struggle to make that monthly payment. Fast forward to XX/XX/XXXX and we are now behind again because they REFUSE to take a partial payment. We can not afford the {$2900.00} at the beginning of the month and they will not allow us to make a payment of half at the beginning and half again at the middle of the month. My husband called to make the XXXX payment of {$2900.00} on XX/XX/XXXX. They accepted the payment and told him our new monthly payment for XXXX XXXX-XXXX XXXX will now be {$3900.00} each month. If we can not afford to make the {$2900.00} payment we certainly can not afford to make the {$3900.00} each month. When we look at our monthly statement it shows we are behind 7 payments of {$1400.00} which totals {$10000.00}. We also have late charges of {$180.00} and " Other Fees '' which they will not explain to us of {$1800.00}. We have asked if we can try and pay those first and then chip away at the other payments we could work that. They will not help us at all. The amount of money they say we owe on the statement does not match up when you divide it all out. We do not want to lose our home but they are putting us in a situation where we can not pay them. They refuse to accept any payment except the past due amount. My husband is XXXX XXXX XXXX   from the military and we are trying to make ends meet but can not without some help. 

This company is CMG Financial and they have been horrible to work with!
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

A checking account with Chase bank was opened in my name without my permission. I found out after receiving a debit card in the mail on XX/XX/2021 I called their customer service line immediately, to report the fraud and I was kept on hold for 3 hours and no one responded.
Consumer complaint received 2022-08-01
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. (PA)

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 2020-01-18
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (FL)

I disputed inaccurate reporting by Citi Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, Citi Student Loan has sold the debt numerous times and at the same time continued to report the debt under Citi Student Loan SLC. I contacted the company Citi Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the Citi Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to Citi Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records Citi Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that Citi Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under Citi Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe Citi Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from Citi Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by Citi Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with Citi Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted Citi Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against Citi Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to Citi Student Loan and its Creditors is something they have yet to provide me.
Consumer complaint received 2019-05-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I went to XXXX University where I applied for Federal Financial Aid and was granted grants and Loan. After graduation XXXX XXXXI was contacted by American Education Services claiming payments with threats to sue, I end up paying to be left until XXXX when I found out that I wasn't paying for the Federal Student loan instead I was paying for a private student loan that I never took. My first complain against XXXX  XXXX XXXX was denied because they said they didn't issue a loan on my name, they were investor on the National Collegiate Trust. 

XXXX XXXX XXXX provided me the National Collegiate Trust phone number and I tried unsuccessfully contacting them. I never took a private student loan at XXXX University, they need to refund me all payments I made since XXXX after graduations received on their behalf by American Education Services.
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

This company - NAVIENT ( phone XXXX ) - called me about 5 or 6 Months ago. They said I owed money to a service company in XXXX, Tx. ( I forgot the companies name, I believe it concerned some financial service. I immediately called the service to be sure I did not owe them anything. I don ' t believe I had ever done business with them, they agreed that I did not owe them. Navient has continued to call 2 or three times a day, and usually around XXXX XXXX  ( central ). I have not answered for several months, I simply hang up. I would like to stop them from calling, am I at the right place? Thank you for a response.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX HEALTH Date Updated : XX/XX/2021
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. 

By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. 

Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. 

Thank you.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2021-01-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (CA)

In 2011, I applied to the University of XXXX, XXXX send the student loan directly to the University of XXXX. I took 3 classes and realized that my online course was not taught by licensed professionals and canceled. 
I kept paying until I realized three classes do not cost {$10000.00}. I wrote the department of Education a letter about that I had paid almost half of the loan and that three classes do not cost the amount I had already paid. However, I did not get any response and filed a docket within the Federal Court in XXXX. This case was dismissed, yet the Department of Education contacted me three years later from the headquarters of the Department of Education from Kentucky. This issue is in my credit reports since 2011. 
Because of this issue my credit scores are down and I suffered personal damages. I was misrepresented and misguided because I was told I have to file a Loan Borrowers defense in order to have it removed. Can you be of help?
Consumer complaint received 2022-09-28
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. (NJ)

Their investigation results verified this account but did not provide the procedure of description on how they verified this account. Under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) it clearly states A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency I am requesting the description of the procedure used to verify this account. 

Account name : XXXX XXXX