davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I had a debt in collection resulting from a visit to an emergency room. The original debt was from XXXX and was turned over to XXXX for collection. I paid that collection in full on XX/XX/2017, and notified both XXXX and Equifax of that on XX/XX/2017. XXXX removed the reference from my credit report 2 days later. Equifax, despite repeated requests on line, by mail, and by phone, has yet to take action 39 days later. They assigned a confirmation number ( XXXX ) to this, but a check still shows it as " pending ''. I submitted another request on XX/XX/2017, which was assigned confirmation number XXXX which an online status shown as " completed '' with the note " The following disputed account or inquiry is currently not reporting on your Equifax credit file : XXXX ''. I have checked and rechecked my Equifax credit file and this collection is STILL shown as open and it is greatly impacting my credit score ( by some XXXX points ). When contacted again about this, Equifax sent me a " Research Request Form '' which I promptly filled out and returned to them. To date, I have heard nothing back from them. I am attaching various documents related to this, including the documentation that this collection was paid in full back on XX/XX/2017, as well as screen prints from the Equifax online dispute website showing the times I have tried to resolve this, as well as a copy of the Research Request Form sent to me by Equifax which was filled out and returned to them. I just do n't understand why they can not act to close out this collection and remove it from my credit report. Again, with EXACTLY the same information, XXXX resolved this in 2 days.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. 
I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. 
It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? 
XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. 
Many thanks in advance for whatever you might be allowed to do by the current " administration ''. 
What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX unknown XXXX. Missouri Department of Chld Support
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

THERE HAS BEEN SOME UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT.I WOULD NEED TO GET A NEW DEBIT CARD, BECAUSE SOMEONE HAS MY CARD.THE WITHDRAWAL WAS FOR XXXX TWICE AND XXXX
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Bank of America reported the account to XXXX. I am accused of " suspected fraud ''. Again, I did not defraud Bank of America nor do I owe or have owed Bank of America for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX.
Consumer complaint received 2017-03-31
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (NJ)

I have been trying to get a statement from my Direct Express card for the year of XX/XX/2016 so I will be able to confront a medical insurance provider of proof of payment of my premium.The only answer I receive from Direct Express is that I will receive that information in seven to ten business days. As of yet after repeated requests is nothing.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Williams & Fudge, Inc (OH)

I am a XXXX veteran. I have been give student loan forgiveness. All Loans were supposed to be rolled into XXXX and then discharged. I disputed this with the XXXX. Upon checking my credit report today I noticed that instead of the company placing a dispute on the original account. They just created another identical account and added the dispute to that account, leaving now XXXX accounts on my report.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC (CA)

My creditor matured my car title loan 8 months before true maturity of my loan and had no choice but to refinance my loan i was told to send paper work back as soon as possible so they could help me. According to them I still owe them most of my original loan amount. I truly believe that something is very wrong and I would like some help
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase is preventing us from getting into our accounts online and not updating information in the accounts in a timely manner. When we travel, we use a different IP address to log into our accounts. Chase has taken it upon itself, without asking as other banks do, whether we want it to " recognize '' the computer/IP address we are using. It then locked us out when we logged in from another IP address. Recently, we were locked out of our accounts for 2.5 - 3 weeks because of this harassment. To add insult to injury, when we went into a local office of XXXX in XXXX, NJ, it demanded a new email address because its marketing junk email was bouncing. The guy deleted the old email that had been in the system for years and demanded another one. When he was told that we do n't use email, will not create an email account for Chase 's convenience, he said he would not restore the original email address that he had deleted without permission, then refused to restore. This obnoxious behavior typifies Chase 's actions : everything is for its convenience while it continues to deny clients easy access to their money and financial services it advertises and purports to provide. 
Similarly, last night or the night before I checked our accounts online. Nothing had been updated since before the XXXX XXXX weekend. Then this morning, a bunch of checks and payments showed up, bringing the balance very low. Had it updated the online information in a timely fashion, we could have easily transferred money into the account before this weekend. As it is, we will need to stagger a credit card payment because Chase withheld critical account information from us. This has all occurred while Chase owes us roughly {$130.00} for a credit on their credit card that has been on there for roughly 2 months. it is clear that first it denies us access to our money and bill payment services ; then it withholds account activity information ; followed by a bunch of checks it had been holding, hoping to overdraw the account. This kind of petty harassment and capricious cessation of normal operations needs to be sanctioned effectively and sufficiently to deter it. No bank should be allowed to offer services such as online access and bill payment services, then capriciously withhold them without warning, while trying to collect fees, should the account be overdrawn.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

XXXX of all, I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I came here at the invitation of the XXXX Government and when I got in the USA the financial / credit system was new to me. I 've learned that I have to build a credit history and credit points and I have to prove that I am an educated planner and responsible credit card user which I did. XXXX of the XXXX credit cards I obtained was from Home Depot and because the credit line was small I could n't use it very much, and my credit score at that time was not enough to request an increase and I was advised to wait some time and then to request an increase. Mean time I builded my credit points, I worked hard to pay always on time and here I am with an Excellent credit score after a couple of years. I constantly checked on my online Home Depot Credit Card account to see if there is any line increase available for me but all of a sudden my account was closed. There was no notice, no letter, no message about the closure, I just discovered that from the Credit Bureau that is a mark with an account closure and I had no knowledge about it. There is no limit in their terms and conditions for not using a credit card before it is closed. I contacted the Client Care and the person could n't give me a time limit for not using a credit card with them and it seems arbitrary - they choose when to close an account or not. I was advised to re-apply but that means to hurt my credit score. Then I asked to submit a complaint and I got no ticket number. The Client Care representative told me : " There is no way to provide you with a tracking number. I can not give you anything such as an email or notice. Your complaint has been forwarded to a specialist ''. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint.
Consumer complaint received 2022-01-05
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: Bread Financial Holdings, Inc. (NY)

I contacted the debt collector that was servicing the acts, I even had to pay even though I had explain my situation about a family member using my personal information. After going back and forth they made settle the account I was told they will remove it from my cred and they still affecting me although it shows the acct is clorases but keeps showing late
Consumer complaint received 2021-01-19
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: Santander Consumer USA Holdings Inc. (OH)

I am requesting my name be removed from a car loan with Chrysler Capital effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from Chrysler Capital. I was under the impression this issue has been resolved since I received a letter from XXXX  dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX  or XXXX. My credit score based on XXXX XXXX for XX/XX/XXXXis XXXX and XXXX credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from XXXX. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

I have Federal and Private Student Loans I repeatedly have been given wrong and different info depending on who you talk to. 
I needed to release my cosigner as she has XXXX. I spoke with a manager. She told me i just had to send a cease and desist letter. I wanted to stop the calls to the cosigner. I was : " behind in a payment '' The " Supervisor told me I could tack it on to the end.After 8 years of paying, I still owe XXXX dollars. After 8 years of sending the payment form to myself and the cosigner, last week they changed the address and sent it addressed to myself and the cosigner at the POA '' s address.On top of it ... they said I am still behind, the payment would not be tacked at the end. The cease and desist would only stop the calls for 2 of the loans, I need to also have a release the cosigner form filled out, as well as a XXXX form for the cosigner. And also the POA has to release her. 
I get different info every single time I call. 
Can anyone help? 
Tonight i spent 2 1/2 hours on the phone, they kept putting me on hold for 5 minutes, transferring me to different dept 's. They told me the person who changed the address this week was in the " Back Office Team '' and they do n't take phone calls. 
They have created multiple obstacles. 
Everything that I believed was taken care of by the " Supervisor '' was not taken care of and they made matters worse. 
Can I get any portion of this loan forgiven by the Dept. of Education? 
Thank You XXXX
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

My loan went into default 2 years ago. It was placed with a collection agency. I paid {$340.00} a month for 9 months-that was the agreement to get out of the loan rehabilitation program. On the 9th month they claimed I had failed to make a payment ( which is not true-because my payments were all direct payment from my checking account ) When I inquired they then said my paper work was n't complete so I failed the rehabilitation program. My loan was given to another collection agency. They called me and put me in another loan rehab program around the XXXX I recieved a letter from a completely different collection agency Navient that said I was XXXX payments late ( which is not the case because I had direct payment from my checking account ) Now it 's going on 3 years and Navient is the XXXX collection agency offering me a loan rehab program. I just want to pay off my loan and they are determined to sink me deeper while they collect fees. Please help!
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

Green Tree Servicing is foreclosing on my home when they DO NOT OWN THE MORTGAGE and legally can not foreclose long with the fact that they do not service the mortgage either. I contacted Green Tree they claim they are not foreclosing yet the law office claims that Green Tree is in fact having them proceed with the foreclosure even though they do not service it or own the mortgage not to mention that the documentation I have requested for the last 6 years regarding the note and payment I have not received
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NC)

Almost one year ago i contacted Navient about my student loan. The problem was that my payment was being raised from {$94.00} per month to {$300.00} per month. My income, {$XXXX} would not support such an increase. The Navient reps said that the account was up to dat e and therefore there was nothing they would do at the time. Once the account became past due they would reevaluate the account. During the summer I contacted them, usually speaking to someone in XXXX and the rep could not/would not do anything. Then when the account was past due, the res from XXXX would call, sometimes several times per day, including Sundays, and read from a script. When i asked a question that was " off script '' they became confused and went back to their script. I know it was a script because because it was exactly the same words every time. In XXXX XXXX I spoke to a female rep who said she was in Indiana and she suggested the income sensitive plan. She told me what I would need to do, where to send the info, and she assured me she was a supervisor and would make it happen. She brought the account up to date as her sign of good faith. The problem is that since that time I have received nothing from Navient. An email requested more forms, which were sent, but I never received a reply. Many times I spoke to reps and asked for the female rep who I had spoken to in XXXX. I was told that I could not be on an income sensitive plan because I was on an income based plan and would have to request to be removed from that plan. I did that and received a letter saying so. i also received a letter saying I was still on the income based plan and another saying i was on no plan. When I mentioned this to reps they told me that I did not have any such letters. It was not until early XXXX XXXX that a male rep, also from Indiana, said he researched the records and saw that what I was saying was true and that Navient had dropped the ball and failed to follow through. I have n't heard from him since. I have, however, heard from other Navient reps, including emails, threatening an a sundry of things since.
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (WA)

I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX.
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hello, This is my second complaint about PayPal and the second time they have held our fundraising dollars XXXX. They will not release our funds until we sign onto their " Giving Fund. '' If we don't sign onto this fund, they keep our money for XXXX days until they send a check. I have tried at least XXXX times to fill out the form but I keep getting an error message. I spent over an hour on the phone with a representative who couldn't do anything but " fill out a ticket. '' When I finally received an email from PayPal I again followed the directions but got the same error message. I would like our funds released. Thank you.