davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

AFFIRM INC IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 ACCOUNTS : XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, i was told that my account was closed. The reason is that i do n't have utility bill to prove my address is active. Chase closed my account. Until now, nearly a month, i did n't receive the reset of my money. It is very terrible experience. i do n't know when can i get my money back. It is a big amount of money for me.
Consumer complaint received 2015-10-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

Account Service : NavientAccount Name : XXXX XXXXAccount Number : XXXXAfter making on time payments for more than 4 years, this firm refuses to remove cosigners name from my account. Every time after my request to remove cosigners name, they have come up with some other excuse not to remove cosigners name. I have provided all kinds of documents to them, such as, copies of my graduation, pay stubs, XXXX 's, recent tax returns, citizenship papers. All those documents have been ignored. 
My cosigner is XXXX years of age and have no income.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, My mother found a home listing from a company named XXXX XXXX for a home in my area. We spoke with the landlord of the place and he was on the phone with me for hours guiding me through a tour of the home virtually. he talked me through how to sign up for a company named XXXX and told me that he just wanted someone that would take care of his home since he travels in and out of the states. He told me the deposit is {$500.00} and then i pay {$1300.00} for the first months rent and that makes the rent for XXXX free. He said we pay through chime because we have to have a signed lease and deposit before we can gain access to the resident portal for monthly rent payments. 

We were sent the lease via email and signed it. The landlord also sent me a copy of his ID and said he would meet me at the property at XXXX to give me a receipt and the keys. He called XXXX XXXX and then proceeded to tell me i had to pay a {$250.00} administration fee before he could have me in the system. After it was paid the call randomly ended and he text me saying " Im on my way to the property '' and never showed up. I waited for hours in my car with my XXXX year old for him to show and he did not. Both numbers he called and text from had been disconnected. 

After this happened I realized I was scammed. My mother who was there with me the whole time called XXXX XXXX and I called the police. An agent from XXXX XXXX made my mom aware that we are victims of a scam and that they are unaware of who the guy is that said he was the landlord. They reported the scam and told me to have my bank call their treasury department. 

I filed a police report and called chime to dispute the transfer transactions that were made with all evidence I had including text messages, screenshots, a copy of the fake lease, The Id the guy sent me, the emails, the phone numbers used and offered written statements by 2 witnesses, and an email given to me by XXXX XXXX so they can provide information proving the leaser is invalid and i was scammed. 

Chime Denied my dispute and refused to give me and reason why. Two of their agents hung up on me when i was asking for my claim to be appealed and reopened. They showed no sympathy and sent me a second denial letter in my email. My dispute decision was made within 2 days. No proper investigation was done and i don't believe My supporting documents were evaluated properly. I should not have been denied. I have all the evidence they need and more. Chime did not support me or carefully investigate. I lost {$2000.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FC HoldCo LLC (TX)

Yes hello this is regards of credit not reporting nor it not showing payments in the system besides flagship credit acceptance end.They have not been reporting their credit to the credit bureau as stated. Flagship credit acceptance customer service been promising me for the past 5 months that my credit will be resolved and it hasnt they said I would received a letter regarding why it hasnt been updating as spoken an I still have not received no information nor email as promised, they have not solve my case, I am upset for the promises that flagship has promised it has not came to truth. I am dissatisfied as customer for the fact that it not even showing up in the system for XXXX, trades union or XXXX for 5 months going into my 6th month, I am loyal customer thats been paying everything in timely manner but now I am depending to even pay for this month for the fact that It hasnt not been fixed, they said this issue will resolve in 30 business days that date was XX/XX/23 it been way surpass, I would want some sorta incentive for the fact that of the inconvenience I will making dispute every single day until this is fixed. As stated an there actions as customer we do not need to report to the credit bureau its just an incentive for the customers reviews on XXXX for flagship credit acceptance with same issues.
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NY)

National Credit System reported someone else 's collection accounts ( account number XXXX ) to my XXXX credit report. They admitted on the call that the account belongs to someone else but they refuse to clarify this information to XXXX or clarify this situation in writing so that I can clarify with XXXX. XXXX also forwarded the dispute to them and they have been sitting on it and refusing to settle this. 

This mistake they make has caused my rental application to be denied and I have been incurring damages as a result. They need to settle this ASAP.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC (MD)

XXXX of XXXX Loancare send me a letter saying I no longer owed any money on my mortgage and to stop all auto payments. I tried to send the money anyway and they sent it back. I even called to verify the letter. Almost a year later I received a letter saying i was XXXX behind in payments. They then offered a refi and I said send me the paperwork. Loancare failed to do so. I send a message to the CEO in linked in about it and an exec contacted me. He said they would fix my credit report and send me another package to refinance. They then send a loan modification letter saying I had 3 months to make payments then they would modify my loan. Just found our in XXXX of XXXX that they took me to court to get my house in XXXX of XXXX and that it was in foreclosure. In XXXX of XXXX they sold my loan to XXXX which I just found out is owned by Loancare. XXXX again tried to force me into a loan modification in XXXX on XXXX. They told me that I had to make 3 payments again. Then they started reporting on my credit that I was not making payments. In XXXX they told me that they would fix my credit report to show correct data if I sent them my XXXX XXXX. They have not fixed my credit report even though I have been making the payments. I told them that I have a XXXX XXXX and will lose my job if they dont fix. They still keep falsly reporting no payment on my credit report.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our Bank of America account XXXX reported a charged-off balance owed of {$4700.00}. After numerous attempts to have this removed legally, we decided to pay the reported balance owed. On XXXX/XXXX/2016 we received confirmation # XXXX from Bank of America for payment of debt. I havre also retrieved the cashed check showing the debt paid on XXXX/XXXX/2016. However, the XXXX credit bureaus of XXXX, XXXX, and XXXX are not reporting this account correctly. The account should be reported as {$0.00} balance PAID IN FULL account closed. However, for example, XXXX will no longer allow me to dispute this account because of past attempts to resolve it. This is in direct violation of my rights as a consumer and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ). The account needs to be reported correctly by all three reporting agencies so that I can move forward with my life now that this 6 year issue with Bank of America has finally been resolved.
Consumer complaint received 2024-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

USBank is stating I had a 60 delinquency as of XX/XX/23. However, the HELOC was paid in full and closed on XX/XX/23. 

In XXXX, I paid the minimum amount due using the online payment system. USBank is stating I was short {$16.00} on that payment. I paid {$1000.00} and USBank says that I should have paid {$1000.00}. At time of payment, my checking account had over {$4900.00} and paying the additional {$16.00} would not have been an issue. 

I filed a dispute, they said what they are reporting is accurate. I spoke to my bank manager and she escalated to the Regional Manager in XXXX Colorado. They stated I needed to again dispute with their team and provide additional information. 

I am trying to refinance my home, and these two 60 day delinquencies are impacting my credit score very negatively and I will not be able to re-fi and will cost me thousands.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (CA)

Flagship claims they have no files or any oof my personal information but have an. hard inquiry furnished on my credit repots. Since they claim to have no records I am officially opting out of ay and all consent ( verbal, written, electronic ) of any reporting of any of my personal private information IF YOU FAIL TO CO\OMPLY I WILL BE FORCED TO CONTACT THE SEC FTC AS WELL\L AS THE IRS
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

In 2018, I took an apartment tour with XXXX XXXX XXXX. I never signed a single document or agreement. I took a tour of this apartment but I could not afford it because I had no job or money. I never gave my signature away for any type of lease agreement. I NEVER verbally or physically signed any document or rental agreements. A few months later, this company ( XXXX XXXX XXXX ) sent a debt to collections for {$3400.00} saying I owed them for a lease agreement. 
I tried multiple occasions to reach out to XXXX XXXX XXXX for proof of signed documents from me. I had a lawyer reach out to this company as well demanding for proof of signed lease agreements. This company has declined and avoided every attempt to provide evidence. To state once again, I never signed a rental agreement with XXXX XXXX XXXX. Therefore, this company has frauded me for {$3400.00}. 

I hope to see this issue resolved and off my credit debts. Thank you in advance.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FC HoldCo LLC (TX)

Yes hello this is regards of credit not reporting nor it not showing payments in the system besides flagship credit acceptance end.They have not been reporting their credit to the credit bureau as stated. Flagship credit acceptance customer service been promising me for the past 5 months that my credit will be resolved and it hasnt they said I would received a letter regarding why it hasnt been updating as spoken an I still have not received no information nor email as promised, they have not solve my case, I am upset for the promises that flagship has promised it has not came to truth. I am dissatisfied as customer for the fact that it not even showing up in the system for XXXX, XXXX XXXX  or XXXX for 5 months going into my XXXX month, I am loyal customer thats been paying everything in timely manner but now I am depending to even pay for this month for the fact that It hasnt not been fixed, they said this issue will resolve in XXXX business days that date was XX/XX/23 it been way surpass, I would want some sorta incentive for the fact that of the inconvenience I will making dispute every single day until this is fixed. As stated an there actions as customer we do not need to report to the credit bureau its just an incentive for the customers reviews on XXXX for flagship credit acceptance with same issues.
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I have been harassed by Navient every two hours from XXXX to XXXX for over six months. I have spoken with them trying to work them on my monthly payments and they are not willing to work with me. I have been unemployed for over six months and Navient will not supply reasonable payments ( no Deferment and Forbearance available to me ). They have proof of my income and still not able provide affordable payments and to live. Please help!
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation (FL)

I opened a " free '' " no fee '' account with Albert that claimed to provide a no cost " advance '' between $ XXXX {$250.00}. I took a small loan of {$30.00}, for which I was charged a fee to have money sent to me ( {$2.00} ). At NO POINT was I told that to open this account Albert would sign me up for " genius, '' a subscription for " money saving features '' that is automatically added to ALL accounts without consent for XXXX XXXX yearly if you have enough funds for them to withdraw from your checking account, otherwise they charge $ XXXX until you are successful in getting them to cancel the service, which requires a FULL payoff of any loans and removal of any funds from the " service ''. Albert charged me {$140.00} on XX/XX/2024, which was marked as FRAUD by my bank. I disputed the charge and on XX/XX/2024 Albert then charged me an additional {$36.00} with no notice, or explanation. 

I spoke to multiple " account specialists '' who just told me that EVERYONE has the " genius service '' and that while it is " confusing '' to customers that they are automatically signed up for this $ XXXXmonthly service ( {$140.00} annual ) that they have a fine print disclosure on the website so it is totally legal and valid. I asked for the account to be CLOSED and no further charges against my account to be processed, as they have now taken {$180.00} from my account for a {$30.00} " advance ''. Albert refuses to assist with any real solution beyond telling me to wait a week or more for them to " Settle '' a " deposit '' that THEY initiated without my consent.
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America sold my VA Home Loan to XXXX. The official loan transfer date was XXXX XXXX, 2015. Bank of America failed to pay city taxes to the town of XXXX, CT in the amount of {$2000.00} by the due date of XXXX XXXX, 2015. Consequentially the town charged an interest penalty. Bank of America refused to pay the {$62.00} payment. 

I spoke with XXXX from the Bank of America tax department at XXXX extension # XXXX. He was unable to help me and said XXXX XXXX should pay even though the official transfer date took place after the payment was due. 

I just got off the phone with XXXX and they said they have paid the payment out of my escrow account and have paid the interest penalty from lender funds not my escrow account.
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I applied for an Income Driven Payment option in order to drop my monthly payment from {$250.00} a month. I submitted the proper online form and aloud them to acquire my income tax information through the IRS to go into processing. I discovered that they based my payment on only my income and household and based on their algorithm they increased my payment to {$260.00}. I am currently trying to save to get a new apartment with my girlfreind, I make {$39000.00} a year and by XXXX XXXX standards that is right on the poverty line. I find it unfair they only considered the variables that I was a single male with no dependents to base my monthly payment without even considering the double city tax I have to pay, the {$900.00} a month in rent and I have another loan under XXXX XXXX XXXX that I pay an additional {$100.00} a month on.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION (TX)

ACCORDING TO MY CREDIT REPORT THIS ACCOUNT WAS OPENED ON XX/XX/year> FOR THE AMOUNT OF {$1000.00}. I DO NOT RECALL EVER OPENING OR TAKING OUT A LOAN NOR DID I GIVE PERMISSION TO ANYONE TO USE MY INFORMATION AND OR SHARE IT. 
Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the SOL period *Prove that youre a licensed debt collector *Show me your license numbers and registered agent.
Consumer complaint received 2017-10-01
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: JPMORGAN CHASE & CO. (CA)

This Chase Card account showing Charge Off on my XXXX Credit report is not my account. I am listed as an authorized user. I have sent letters to XXXX and Chase and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.