davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase Client for over a decade. The reason why I am reaching out today is because of the situation In regards to two of my current Credit accounts i have. 

First is my Chase Freedom account and my XXXX XXXX account. 

Backtracking to XX/XX/2020 both my accounts were closed. I hadn't noticed this fact until around XXXX when I went to go use one of said cards. I had set up Automatic Payments this way so I wouldn't miss a payment. For some strange reason, on my XXXX Account instead of the minimum payment being automatically paid, the full amount of the card was being paid and returned. Meanwhile on my XXXX card the minimum had been paid. 

Once I figured this out I went to the XXXX in XXXX and spoke with XXXX XXXX who had put in a complaint for me. a gentleman reached out to me and understood the situation and this conversation concluded with this case being classified as a technical error. During the conversation the gentleman and I made an arrangement that because of what happened I could not fulfill the {$900.00} or so minimum payment that I had been asked to pay. He then said he would put a note in the system for me about it. He told me because of Covid there was some sort of deferral program that would allow me to hold off making payments. During this time I still had made minimum balance payments on my XXXX XXXX which also closed because of what happened to my XXXX XXXX. 

Fast forwarding to now, Long story short, someone committed fraud with my social security number and when I went to apply for Unemployment it restricted me from doing so. I went and sat with XXXX again and I explained the situation to her again. She put in another complaint for me. Someone from Credit services reached out to me, I told 3 different reps this same story. They wouldn't allow my accounts to be reopened, when i told them about the note that gentleman had left regarding the situation, I was told that there was no note. I then asked to play back the recording of the phone call and I was told that there was no call and that the person who was assisting me didn't have access to this, after i got transfered i explained the situation again and was told that the gentleman may have given me false information. The rep then agreed that it could have been a technical error and false information given to me. This is when I was transferred to XXXX and she gave me an executive email to contact. 




Thanks again for your time.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

Ive had FFELP loans serviced by American education services ( AES ) since a few years. I also have other student loans which are direct loans with the department of education. When the cares act was announced back in 2020, I reached out to AES and they told me that my loans with them were not eligible for the benefits under the cares act. This information was accurate at the time. However, there had been changes and announcements made by the Biden administration in months following, and AES failed to inform me of any updated information. Specifically, this new information included announcements such as FFELP loans becoming eligible to be consolidated into a direct loan so that the benefits of the cares act could apply to my FFELP loans. Since AES never communicated these updates to me, my loans with AES not only continued to accrue internet, but I also made loan payments when I was unemployed and could not afford to do so. Also, because my loans were not consolidated to direct loans, I could not receive any benefits that were available with the CARES Act ( pause on payments as well as no interest accrual ). Since last week, I have reached out to AES and received conflicting information. One agent tells me that my loans with AES are not eligible for loan forgiveness ( whether they are consolidated to direct loans or not ). Another agent gave me different and opposite information. They also tell me that the payments I made during and since the pandemic can not be refunded because that would make my account delinquent. Even though they failed to communicate any information regarding loan consolidation eligibility. I feel that I missed out on maximizing my benefits during the pandemic when I most needed help, because AES did not provide information and announcements which applied to my loans in a timely manner or at all.
Consumer complaint received 2022-06-27
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 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 a account without my written instructions
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

Shellpoint mortgage has a firm offer for short sale with proof of funds and financing arranged they have all the paperwork required by them filed since last Wednesday, with foreclosure scheduled for tomorrow it seems unfair that they won't take my offer I am retired XXXX and in need
Consumer complaint received 2022-06-27
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. (SC)

According to the fair credit reporting act, XXXXXXXX XXXXl account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-20
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (HI)

I tried to send money to my mom in XXXX using XXXX. I accidentally connected my FNBO direct account to the XXXX XXXX account on the FNBO XXXX  website. FNBO directly held my account and told me to reach out to the company. I did call 5 times. The customer care agents just emailed the Fraud department requesting the information and reaching out to me for more information. but no one contacted me. I finally talked to a customer care agent named XXXX who reached out to the Fraud department. he said the investigation would take 1-2 months and I have no access to my money in the accounts. The process of investigation is not able to disclose and I will receive a check after the investigation. I did not know if this was a typical procedure to hold my money for XXXX months for just the simple mistake I made on the website. I would like to ask if you tell FNBO direct to speed up the investigation.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX Cc Federal Trade Commission. Cc XXXX XXXX XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NM)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (OK)

Jefferson capital systems LLC calls frequently and for the past week everday and after I have told them to stop calling me they continue to do so. they call from the following numbers XXXX and XXXX at different times of the day and I have spoke on the phone and told them to stop calling my number and have wrote to their company at this mailing address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Have not received a response yet they still call and they also use a robot dialer as when I do answer there is always a wait time before someone answers or the call will disconnect
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to the fair credit reporting act, XXXXXXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-20
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: Westlake Services, LLC (NY)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX  ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2022-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

In XX/XX/2022 my loan was approved for modification where the term was extended from 30 to 40 years and monthly payment was reduced by {$78.00}. However, this reduction is not significant and continues the issue for me to afford the payments. The rate remained the same 4.5 % when at the same time XXXX XXXX offered 3.125 %. When I asked Santander why I didnt get the lower rate, I was advised to submit a rate reduction request. I submitted the request on XX/XX/2022 via the loss mitigation portal. When I attempted to follow-up in the status, the portal indicated that my case is under review, but I didnt receive any acknowledgment of submission or resolution. I called Santander on weekly basis the entire months of XXXX, XXXX, XXXX and most or XXXX. My XXXX  from the approved modification wasnt available. When I was able to leave a VM nobody responded and most of the time the announcement stated that the VM box is full. Finally, when I got a hold of someone on XX/XX/2022, I was advised that lower rate is not available since I agreed to the modification despite it being told in XXXX to accept the modification and request rate reduction separately.
Consumer complaint received 2022-09-20
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: HCFS Healthcare Financial Services of TeamHealth (NY)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2023, when I checked my credit card statement, I saw {$7500.00} ( {$7200.00} transaction + {$360.00} fee ) was charged to my credit card account on XX/XX/2023 that I didn't authorize. I contacted Wells Fargo the same day to dispute this transaction. They told me that this transaction is a credit card convenient check so they sent me to their Credit card fraud claims department. I called Wells Fargo on XX/XX/2023 and provided them with my Police report and the Federal Trade Commission case number for identity theft, they didn't say anything and told me the investigation is going. But on XX/XX/2023, they sent me a mail and said that they found no evidence of fraud so I will be responsible for that transaction. They didn't provide any information to support their claim. From what I understand, someone will need to call in to request a credit card convenient check. And then a check will need to be mailed to an address. Then someone will need to physically go to a bank to cash it out or purchase something. I didn't even know about these convenient checks before this happened. Wells Fargo didn't provide any information about what happened but they said I did that. I didn't.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX OF XXXX XXXX XXXX {$3500.00} MEDICAL XXXX : {$140.00} MEDICALXXXXBalance : {$210.00} MEDICAL XXXX : {$210.00} MEDICALXXXX : {$210.00} XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX : {$1400.00}
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union ( NFCU ) has offered a misleading and deceptively marketed Visa Platinum credit card. 

The promotional offer for this product lists terms that drew me to apply to the product. I have excellent credit. Additionally, I have other lending products with NFCU with large lines of credit. 

I applied to a card with a promotional offer of 0.99 % APY with {$0.00} balance transfer fee. Upon asking NFCU for a $ XXXX credit limit, rather than contacting me before approving the application to inform the product wont meet my needs, they simply opened the account at an insultingly low credit limit based on my qualifications and existing lines of credit. When asked several times NFCU refused to provide sufficient explanation. Only that I may apply for a credit limit increase in 3-6 months. This period of time would occur after the promotional period ends, and would lock me into extremely high interest. 

Im a service-connected XXXX veteran, which is a demographic particularly targeted by NFCU. Ive also banked with them since XXXX. 

I believe that this credit product is a deceptive practice to lock customers into high interest balance transfer situations. I will be gradually ending my banking relationship with NFCU.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-09-20
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. (NJ)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} and XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Payfare International Inc. (MA)

I was charged {$150.00} on XX/XX/2023 and {$50.00} on XX/XX/2023. These were charges for incidentals at the XXXX. These were supposed to be returned within 7-10 business days and I have spoken to my bank and they assured me the funds would be released on XX/XX/2023 for the {$150.00} charge and XX/XX/2023 for the {$50.00} charge. The hotel claims they already released my funds. However they still remain as pending charges on my account. I have called their corporate office XX/XX/2023 and I was supposed to hear back on XX/XX/2023. I called again and was told to wait until XX/XX/2023 for a response and still nothing. The accounting manager emailed me saying he can not help me they have no access to my account. The fact is the XXXX is still holding my {$200.00} until XX/XX/2023. This is beyond a 7-10 business days policy.