davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (IL)

To finalize the closing of the sale of my house, my real estate agent requested ( she went personally and paid the fee ) my bank First Mortgage ( First Bank Puerto Rico ) for a Cancellation balance letter on XX/XX/2020. I also request it sending a letter by email on XX/XX/2020 and on the Bank Digital Banking Platform on XX/XX/2020. Today XX/XX/2020 we have not received it yet. Both my agent and I have called and carried out all procedures according to the procedures, rules and requirements of First Mortgage PR, and we have only been told that we have to wait. I never had a single delay in my payments, I have always been responsible and trusted that it was reciprocal, but no. Some other papers are about to expire, and the buyer can change her mind and walk away.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I was charged {$1900.00} for XXXX theater tickets by XXXX. I wanted to look for the prices for XXXX tickets to see XXXX, XXXX XXXX show on XXXX XXXX, 2016. I emailed XXXX and was taken to XXXX site. I saw XXXX tickets in the XXXX but the cost was written within a range. I wanted specific information. In order to find out the price of the tickets I had to enter my e-mail, name and address and credit card information. When I saw the tickets would cost over {$700.00} I quickly left the site without clicking the purchase button. To my surprise I received an e-mail from XXXX thanking me for ordering XXXX tickets. No cost was listed in the e-mail. I immediately tried to call XXXX but their phone was not answered so I e-mailed them about correcting their mistake. I finally spoke to XXXX representatives who said all sales are final and to sell the tickets on XXXX or XXXX List. Since I did not buy any tickets I could not sell any. I went to my Chase Bank online account and found I had been charged {$1900.00} for XXXX tickets. I called Chase Bank Cardmember Services and disputed the charge. They gave me a temporary credit on XXXX XXXX, 2016. I heard nothing more until XX/XX/2016 when I received a call from Chase Bank saying they were charging my card again for {$1900.00} due to information received from XXXX. They said I purchased the tickets and Chase believed their statement. I do not want this to happen to anyone else which is why I am fighting this illegal charge. I would appreciate any help you can give me. Thank you.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

EVERBANK was included in a chapter XXXX BK Case XXXX THAT WAS CONFIRMED. Immediate after confirmation the attorney advised that they had made an error and wanted to reopen the case due to transposing a number that would only bring additional hardship to the borrower. I made payment as ordered and they were returned due to the attorney providing the incorrect address. The servicer stopped taking my payments under the advisement of the attorney who wanted to reopen the case to attempt to force me to increase the agreed upon balance and therefore would not allow me to modify the escrow payments which they did not include in the confirmed BK payment for the mortgage or advise of escrow shortage or overage. 

My records show a payment each month made and being returned so the servicer attorney could request a stay of relief to correct the transposition error of a XXXX to a XXXX and thus move to foreclosure and not allow me the protection afforded by the Chapter XXXX. 
The servicer also has failed to provide me a reissued insurance check for the claim for roof damages and denied the last wind storm claim on their forced placed insurance.
Consumer complaint received 2020-01-15
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. (MN)

I am a victim of identity theft. I been receiving death threats, threats of been sent to jail or prison, harassing, profane and abusive telephone calls from XXXX in regards to a debt of {$560.00}. The XXXX credit card account is a fraudulent account and not my account. The debt is not my debt. I did not apply for a XXXX XXXX credit card account. The account is a fraudulent account and is not my account or debt.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MD)

The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

In XXXX of 2020 I was XXXX  for 26 days. I hade XXXX XXXX XXXX XXXX XXXX XXXX within a matter of 2 weeks. I applied for XXXX and it was approved for XX/XX/XXXX of 2020. But for the 2 weeks of XXXX I was not covered. Now on my Credit Report, from Progressive Management System, there is a collection debt of {$310000.00}. There is also another collection for {$1600.00}. There is one from XXXX XXXX XXXX for {$810.00}. These are all on my credit report. I have tried to get help from XXXX XXXX XXXX applying for Retroactive assistance, but no answer yet. I have read about applying for 15 USC 1681 A3. Is this something that will help?
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX XXXX  XXXX / LoanCare My mortgage includes escrow account for payment of property taxes and property insurance. Ample funds were in the escrow account to pay insurance premium. Servicer had all the correct information but Mortgage servicer did not make premium payment when due. Insurance was canceled for non-payment. I suffered a loss for which I called my insurance company only to discover I did not have coverage due to non-payment of premium. 

Mortgage servicer offered {$880.00} for my loss of {$8100.00}. The loss occured on XX/XX/2021 and I have been communicating with mortgage servicer trying to resolve the issue.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/CreditoXXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

I received an offer from Chase XXXX Mileage Plus explorer card that offered XXXX " free '' miles after spending {$3000.00} in the first three months. The problem is that I use the internet link to apply and it only offers XXXX miles. I called customer service and they said they were unable to help. They suggested applying and the calling back to get a " premium match ''. I 'm not interested in calling back and begging for the miles.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the equifax data brech and may have gotten into the hands of the wrong person
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Transunion XXXX has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXX, TX XXXX The incorrect address are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

The original total on the Joint Consolidation Student Loan promissory note shows : $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$58000.00} total. However, in an email I recently received from Nelnet with an account summary there is a different ( higher ) amount showing under the original loan amounts that shows : $ XXXX $ XXXX {$65.00}, XXXX There is a discrepency in the original amount on the promissory note and Nelnet 's original amount. When I called Nelnet, the customer service agent said it was due to interest, but interest should not affect the original amount. 

I am attaching the original promissory note and Nelnet 's account summary.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NJ)

At beginning of XX/XX/2022, I requested of Wells Fargo consumer banking to transfer full value of XXXX XXXX balance to XXXX XXXX in XXXX NJ, XXXX. After initial creation of the check and written request by XXXXXXXX XXXX  for the XXXX processing request, XXXX XXXX still did not receive requested funds in almost one month time.
Consumer complaint received 2016-12-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (IN)

I have tried to set this Wells Fargo account on autopay 5 times ; three times online and twice on the phone. The first time the page indicated the account was set for autopay. Two weeks later I received a very unfriendly call threatening to take the account to collection and report the account to the credit bureau. I paid the bill over the phone. I again set up autopay online and called to confirm that the account was on autopay. I was told the next payment was not due until XX/XX/2017. I thought that was odd because the date I set the account on autopay was early XXXX. I received a statement XX/XX/XXXX ( with a mailing date of XX/XX/XXXX ). The account was due on XX/XX/XXXX and had a late fee added. I mailed a payment on XX/XX/XXXX. I called XX/XX/XXXX to ensure the account was up to date. It was not. I was transferred to 5 different departments. I asked to speak to a supervisor and the line disconnected after the agent spent 45 seconds yelling that we had a bad connection. I could not set up autopay because the account was not up to date. One agent offered to send autopay enrollment through the mail. Each agent repeated the same information to me and tried to collect the bill. Each also said autopay would take 30-60 days to be effective. I have to go online each month to check the account and find out if the autopay is in place. My credit score has dropped 50 points because of Wells Fargo.
Consumer complaint received 2022-11-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AXOS FINANCIAL, INC. (TN)

Axos bank called multiple times after XXXX XXXX, and multiple times per day from XXXX to XX/XX/2022. They were notified of this multiple times, and never communicated back or placed me in contact with legal or compliance. I have screenshots and documentation submitted directly through their portal that has been ignored. It appears a lawsuit is the next step.
Consumer complaint received 2022-02-22
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. (OH)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX  account # XXXX. 
XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXXXXXX REC account # XXXX 15 U.S.C 1981 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

I pulled my credit report on XX/XX/XXXX and notice account that was not mine. On XX/XX/XXXX US Bank representative opened up a credit card in the amount of {$420.00} without my consent. I contact US Bank see attached letter. I have called the bank several times, they said they are investigating, NO ANSWER
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.
Consumer complaint received 2015-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AZ)

This is the XXXX time I am contacting the CFPB in an effort to assist with my short sale. I have ha an active office into Chase since the end of XX/XX/XXXX. It is now the beginning of XX/XX/XXXX. 
Over the last five months my husband and I have provided every piece of information requested promptly and have attempted to help this process move along. 
As of XXXX we had not received any update from Chase for close to two months, at which time we submitted a CFPB complaint. XXXX XXXX from their Executive Office contacted me within two days. After some back and forth she advised me our file was " lost '' within underwriting and it had stalled their for 30 unnecessary days. She assured me the file had now moved on to the next step and she would assist us throughout the remainder of our process. 
At this time, I have left XXXX messages for XXXX, none have been returned. The last time we spoke was toward the end of XX/XX/XXXX. I called the Executive line and attempted to speak with anyone, but I was told only XXXX could assist me. The gentlemen I spoke with said he would email her and CC her manager with a request to call me back ... That was the beginning of XXXX. No word from XXXX. 
My file moved to a negotiator, XXXX XXXX, XXXX XXXX. On XXXX XXXX he spoke with my realtor advising we needed a new evaluation on the property. This have been completed but now XXXX is advising that our file has been pulled into some mysterious internal audit. He is very cryptic stating he does not know what the audit is for, why it was pulled and that he nor his manager can speed it along. I have spoken to XXXX XXXX times within the last ten days, each time he states he expects the file that day. 
My husband and I did not make the decision to short sale lightly. It was with a heavy heart that we realized we could not maintain the home or provided the needed repairs due to it 's age. We wanted to do the right thing my completing a short sale versus just foreclosing. However, Chase is prolonging this process at every turn and almost seemingly forcing us into foreclosure after months of negative credit reporting due to their poor internal processes. 
My husband and I have been maintaining utilities on this property and general maintenance since we moved in XXXX. With it now being XXXX, this is becoming a large financial and emotional burden on our family. 
All I am asking for is your assistance in finalizing this short sale process. I have called every number available to me and get no where. Again, please acknowledge that even the individual assigned to assist me in the Executive Office has failed to maintain contact. 
Please, any assistance you can provide in finalizing this process once and for all would be welcome. I am fearful this buyer will walk if the process goes on much longer.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account XXXX XXXX  XXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically XXXX, XXXX.
Consumer complaint received 2018-05-27
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. (GA)

On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX, XXXX, and Equifax about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (CA)

American Home Mortgage was the original company on file in the courts. There was a Bankruptcy Chapter XXXX filed by an Bankruptcy Lawyer on XX/XX/XXXX which included the home to be surrendered. The Chapter XXXX was discharged. Then to followup the Bankruptcy Lawyer filed Chapter XXXX on XX/XX/XXXX which again included the home to be surrendered. The Chapter XXXX was completed XX/XX/XXXX. During the 7 years of bankruptcy Ocwen Loan Servicing has been sending me mortgage statements. I kept asking them why they are not foreclosing on the home because no one was living there and we had surrendered the home in all of the court documents! 
Now after multiple phone calls from them they are telling me they have reinstated the loan XX/XX/XXXX ( to which the Bankruptcy Lawyer said they can't do that because the courts relieved me of the note/mortgage ) now my credit score is being attacked by over 180 day late reporting and on XX/XX/XXXX they reported a Deed in Lieu/Bank liquidation on the credit reporting and sent me XX/XX/XXXX a Notice of Default and election to sell under Deed of Trust. All of this should have been done  after 3 years into the bankruptcy now it is over 7 years and they are now going thru the process and reporting it all on my credit! 
What can I do about the reporting and getting it off my credit report do to there negligents.