davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: JPMORGAN CHASE & CO. (CA)

I received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called XXXX after I purchased a credit report from XXXX XXXX  dated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: TekCollect Inc. (TX)

I owed XXXX dollars to my previous dentist. 
They sent it to a collection agency with wrong contact information, wrong phone number and wrong address. 
afterwards as I was applying for home mortgage, the bank figured it out and gave me the collection agency phone number. 
I paid the balance in full the same day. 
After that I asked the collection agency to remove it from the credit reporting they hung up the phone on me. This is the only incident that negatively affected my credit history all my life.
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( TBOM/VT ), account # XXXX, Amount {$300.00} has violated my rights! 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Sometime between the  XXXX  of  XXXX   til  the  XXXX  of  XXXX  in   XXXX  , Chase closed  5  of my credit card accounts ( Chase   XXXX     XXXX ,  Chase Freedom ,  XXXX ,  XXXX , and  Chase Freedom   XXXX  ) that I have with them without any notice. I did not receive any emails or letters about why. On the  XXXX  of  XXXX , I called  Chase  and they informed me that they could not provide me with any assistance. I spoke with  XXXX . I attempted to get her employee ID or her last name in order to reference the call, however she hung up on me. She refused to escalate my call to someone who could possibly help. To this date on the  XXXX  of  XXXX , I have mad e 3  separate phone calls to Chase and it ranged from not providing any information to having too many credit cards. However, I find this incredibly hard to process because they recently just increased  one  of my cards from  XXXX  dollars of credit to  XXXX  and also approved me for  2 o ther cards, which they could have just denied. I have never missed a payment, always kept my utilization at less than 2 %, and paid off my balances before the statement. I would at least like to keep my oldest cards with Chase so that it does not severely impact my credit as I only have about 2 years of credit history and one of my oldest accounts is with Chase.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc. (GA)

I HAVE BEEN PAYING ON THIS ACCOUNT AND IT IS STILL SHOWING NEGATIVELY ON MY ACCOUNT. ACCORDING TO THE BALANCE ON MY CREDIT REPORT I ONLY OWED XXXX. I HAVE PAID THAT BUT WHEN I CALL ABOUT MY ACCOUNT THEY CA N'T FIND IT.
Consumer complaint received 2016-10-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (MD)

I saw a XXXX XXXX commercial on television for a payday loan. 

I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. 

On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. 

My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

{$750.00} finance charge for a 30 day loan of {$1500.00}! 

Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

It was very difficult to pay my loan due to hardship times and when I would call they would not work with me at all. All they would say is " we would garnish your wages ''. So now I had no choice but to dip into my XXXX to pay my loan off with sallie mae.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (KY)

In my original dispute regarding Navient, I indicated that I wanted promissory notes and was given one and then my direct loans application. In the response from the company, they indicated I also requested to consolidate a XXXX loan when on the application it clearly states that loan under loans I do not want to consolidate. I still do n't see my promissory notes with totals for what was actually consolidated other than my application which appears to have been processed incorrectly because they notes I consolidated a loan I did not.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -XXXX account ending XXXX ( they are saying late on XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late
Consumer complaint received 2017-01-23
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (AR)

I have a forbearance on the debt until XX/XX/XXXX, with emails showing such, from the company. They are continually harassing my co-signer ( not me, oddly ) about payment on the loans. They provide the most absurd hoops to jump through in order to even contact them about it. The only email listed on the website is for a department called " XXXX, '' and any phone number goes to a machine which, shockingly, does not understand the command " stop harassing the cosigner, any more calls will be met with a lawsuit. ''
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have my loans through navient and they have not been helpful at all with working with me to pay my loans. I have had to put my loan in forbearance twice. They wanted me to make a payment of {$1300.00} a month. I am a teacher and barely make that every two weeks. They told me to take a forbearance for a year which I did. When I explained I could n't afford that they told me to me I could do income base payments the income base payments were still to hire. They said there was nothing they could do. So once again I 'm back in forbearance.
Consumer complaint received 2017-02-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

Collectors from Navient Loans have called every day for 6 months for someone named XXXX who had this phone number previously. 

Repeated attempts to explain who I am and my lack of connection to this person have resulted in aggressive tactics. I have blocked their previous numbers only to have them use alternative numbers to contact during my work hours repeatedly. 

The last number they called from was XXXX. 
Prior to this : XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Navient parent loan is out of control with excessive interest charge, late fees, and lack advise/assistance from Navient in loan direction and to set plan to eliminate. Many times ( after each deferment ) I would receive many predatory calls and emails from independent help outfits to reduce or eliminate the loan payment. I did not feel comfortable with the feedback received from these independent help outfits and I found it uncanny that these sources were quede to call a couple days after deferment. Really need help in resolving issue and loan reduction.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OK)

XX/XX/XXXX-Received Citi Card in mail which I had not applied for. The other authorized user was someone I had never heard of. I called Citi Card Fraud Dept, they cancelled the card and will be sending me a fraud affidavit in the mail.
Consumer complaint received 2015-03-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (VA)

Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.
Consumer complaint received 2017-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I work as a   XXXX   XXXX   XXXX   at a   XXXX  (  XXXX  ) (  XXXX  )    XXXX   XXXX   XXXX   XXXX   XXXX  . We are funded in part by  XXXX   XXXX   XXXX . In  XXXX  I submitted certification to participate in  Public Interest Loan Forgiveness  and my employer,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and m y employment was certified on   XXXX   and   XX/XX/XXXX   respectively. My employment was certified and I was given credit for 8 qualifying payments made between my start date at my job   XX/XX/XXXX  and m y certification end date of   XX/XX/XXXX  .     Absolutely no information has changed. My employer is a  XXXX  (  XXXX  ) (  XXXX  ) organization and clearly qualifies for PSLF for its employees.     On   XX/XX/XXXX   I submitted an employer certification to track my progress and on   XX/XX/XXXX   I received an electronic noitce with a letter titled " WE COULD NOT ACCEPT YOUR PUBLIC SERVICE EMPLOYMENT CERTIFICATION '' The letter then states they have " determined that you  may  not participate in employment and payment tracking for PSLF or that we need additional information to complete our review '' It then tells me my certification is under review, but does not give any reason why my certification was rejected and does not ask me to submit additional information. It gives me no options to address this absolutely bogus response to my legitimate employment certification.
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MO)

I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RevSolve, Inc. (OR)

The debt was the result of a Dr. who had performed an XXXX on me by billing the wrong Insurance Company. The service was performed through XXXX XXXX XXXX in XXXX Oregon - Patients check into an ADMIN office who gather all insurance info. This info is then distributed to individuals doctors. Once I was aware of the error ( which I had absolutely no control over ) I gave them the corrected insurance info, my insurance was billed and debt was paid in full. Revsolve Inc refused to remove from my credit report. Administrator for doctor ( who may have been covering her own error ) also refused to help. Bottom line is this bill was properly paid, should have never been a debt collection, debt collector was given all the information proving payment and still refused to remove from my credit report.
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (AL)

I have been paying ChaseXXXX XXXX of my total Gross income ( which totals XXXX of my Net income ) each month for XXXX years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK WHOM I HAVE BANKED WITH FOE XXXX YEARS TOOK MY {$10000.00} WHEN I ASKED TO CLOSE MY ACCOUNT AND NEVER CLOSED MY ACOOUNT. AND THEY HAVE CHANGED MY STATEMENTS TO SHOW THAT I OWE THEM XXXX WHICH DOES N'T CORRELATE BECAUSE I HAD XXXX PLUS XXXX IN CHECKING AND SAVINGS ACCOUNT RESPECTIVELY. 

NOW WHEN I WENT TO THE BRANCH AND FORCED THEM THE MANAGER PRINTED OUT XXXX PRICE OF PAPER SAID NEGATIVE XXXX DOLLARS AND THEN POSITIVE XXXX EQUALS XXXX ENDING BALANCE. MEANS IT 'S XXXX NOW SO ATLEAST NOW MY ACCOUNT SHOULD BE CLOSED WHICH THEY ARE NOR CLOSING. THEY MADE MY INFORMATION PUBLIC AND BECAUSE OF CHASE BANK I AM VICTIM OF ID THEFT. THEY HAVE DISCRIMINATED AGAINST A MINORITY WHIXH IS SIMPLE AND STRAIGHT FORWARD AND I THEN LEARNED HOW MANY OTHER PEOPLE HAVE BEEN HURTED AND LOST EVERYTHING BECAUSE OF CHASE BANK. I WANT MY MONEY BACK VIA CHECK AND CHASE BANK NEEDS TO BE SUSPENDED FOR XXXX WEEK ATLESST. FIRST, I WANT MY XXXX PLUS XXXX BACK IN XXXX HOURS AND A LETTER STATING MY ACCOUNT BEING CLOSED IN END OH XXXX WITH ENDING BALANCE IN CHKN XXXX AND SAVINGS ACCOUNT {$2200.00}.
Consumer complaint received 2015-09-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages XX/XX/XXXX XXXX a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called XXXX and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( Chase ) had the info. When I called Chase they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called XXXX back with the findings they told me that they owned the debt and Chase should not have told me any thing when I called Chase back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

My bank ( chase Bank ) contacted me to report there was fraudulent activity on my account. They froze my card ( and called me to tell me there was suspicious activity ). I contacted them and reported I did not recognize transactions done in XXXX. They credited my account, then 2 weeks later, reversed the credit and informed me that since it was a chip, they had to deny the claim. I do not understand how the fact that it was a card chip, means that it was not fraudulent. I am disputing this still.
Consumer complaint received 2016-03-20
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO. (CA)

I short sold my home in XXXX and a company masquarading as Chase telling me that I owed them for an equity loan that I thought had been paid off in the short sale. I paid them - to date $ XXXX.+. 
The payments were always made from my bank account - I was asked to give them routing number, account number and they recorded me saying that they could take the payments for 6 months - then they would call me again to ask for the same set up. 
I had someone working on my credit rating and they realized that this debt was not showing up in my credit report. Because of that I went to Chase to alert them that this may be a fake Chase company and they were very un-interested. 
They did say that I had no such debt on file but that I was to take a pamphlet and report it to all these other agencies - that were covering Identity Theft - which this is not. 
They are still hounding me every day and now they have sent a letter - XXXX of XXXX I have recieved over the years since XXXX. 
The letter they sent looks exactly the same as Chase but it has different phone numbers.