davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2019 at approximately XXXX XXXX ( est ) I contacted Chase Bank regarding an email I received and thought it to be suspicious. The email stated that my personal phone number had been deleted from my account and if I did not request this change to contact Chase immediately. I did not request my number to be deleted so I contacted Chase. I spoke with one representative and to a supervisor regarding my concerns. The supervisor for online was XXXX and she could not answer me if this email was indicating fraud on my account. I told her repeatedly that I did not request my number to be removed but she kept saying she could not confirm that it was Chase or someone else that removed my number.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2019 I sent a certified letter to XXXX Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

OnXX/XX/19 I received a letter back from XXXX Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/2019 I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/2019 stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

XXXX Mgt failed to delete my account from 2/3 Credit Bureau 's.
Consumer complaint received 2019-05-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (GA)

My student loan was deferred but even making minimum payments at the end of the year with penalties and interest charged I was going nowhere. I was contacted by XXXX XXXX XXXX and advised them at the time I could not make payment arrangements. After filing my tax return I received a letter from the IRS that my refund would be deducting my student loan amount owed. So I received less in my federal tax return. Maybe a month or so after that I got a call from XXXX XXXX XXXX stating I owed XXXX I explained that the IRS had just kept my return and how could I owe more money and the representative stated they never take the full amount after the conversation I received a letter stating my pay is in review for garnishment. Now I scared because I dont know whats true.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I'm unable to access my Equifax credit report online because the 4 identity verification questions that Equifax asks me are always incorrect. The correct answer for each of the 4 questions is " None of the above, '' but the website tells me that the answers are incorrect. The questions are about loans that I've never heard of. I've tried at least ten times over the past 6 months to access my file online but the random " identity verification '' questions are always ridiculous nonsense that has nothing to do with me or my credit file. I can only request my report in writing from Equifax with 2 forms of ID every time. I think either their " identity verification '' system is completely broken, or the data is mixed up with someone else 's information. I've contacted Equifax customer support numerous times but they say there's nothing they can do about it. I've tried using XXXX and equifax.com directly, but the same problem happens. I've written a letter to Equifax customer relations but did not get a response. I haven't had any problem whatsoever accessing my credit reports from XXXX, XXXX, or XXXX online -- just Equifax. I XXXX " equifax identity verification questions wrong '' and there seems to be thousands of other consumers with this same issue.
Consumer complaint received 2022-02-11
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. (MA)

I have additional information regarding my request from XX/XX/XXXX to BLOCK account, XXXX XXXX, fraudulently furnished on my EQUIFAX credit file. Be advised that I do not have any liens in my name related to this account and have attached the MA Secretary of State 's certified report reflecting such. 

With that said, in response to EQUIFAX refusal to block the fraudulent account, on XX/XX/XXXX I submitted a CFPB complaint # XXXX in which I requested that EQUIFAX provide me with the material proof that led them to determine that the XXXX XXXX account is actually mine. In response I received a letter by mail on XX/XX/XXXX, dated XX/XX/XXXX, falsely stating that they will not block the information because I need to provide proof of identity, specific information that is the result of identity theft, and a copy of FTC identity theft report. Note that I have submitted the following to EQUIFAX on three occasions : 1 ) letter regarding identity theft and requesting block which included my ID, 2 ) police report, 3 ) and an FTC Identity Theft report. These documents were submitted via EQUIFAX webportal on XX/XX/XXXX, and attached these documents to the related CFPB complaints I have opened : # XXXX and # XXXX. 

NOTE THAT ANY RESPONSES FROM EQUIFAX REGARDING THIS MATTER SHOULD BE SUBMITTED VIA THE CFPB PORTAL AND NOT VIA ANY OTHER DELIVERY METHOD. 

I've attached the following supporting documents : Secretary of State certified lien report ; Letter sent to EQUIFAX w ID ; Police Report ; FTC Identity Theft Report ; Letter disputing EQUIFAX 's refusal to block ; Confirmation of documents receipt via EQUIFAX online portal ; EQUIFAX 's response letter dated XX/XX/XXXX ;
Consumer complaint received 2019-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I have Mr. Cooper as my mortgage banker. I had no choice in picking them due to home mortgages being resold multiple times. 
I have been making payments on time through ACH and have never been late or missed a payment. 

On XX/XX/2019 there was *THEFT* of {$590.00} by Mr. Cooper by way of unauthorized direct debit to my account sending my account balance into below minimum levels. 
When I followed up I was told by my bank that it came in with wrong account number but all other details matched hence it was applied to my account. 

Called Mr. Cooper and was told that it was a mistake on their part without any explanation! Then after a long frustrating wait I was told that the transaction would be reversed in 24/48 hours. On XX/XX/XXXX when I logged into my account it showed as " Unapplied Funds ''!! Called Mr. Cooper again and I was told after a long wait that they have just sent it by wire! 

I am suspecting Mr. Cooper to be indulging in organized crime by STEALING random amounts from their customers and then refunding to those who catch them. WHAT ABOUT THOSE WHO DO NOT CATCH IT? 

**THIS COULD BE AND ORGANIZED CRIMINAL ACTIVITY BY MR. COOPER WHERE THEY ARE STEALING MONIES FROM THEIR CUSTOMERS AND INTEREST FROM CUSTOMERS WHO CATCH THEM** I would like FBI investigation into Mr. Cooper 's operations to ensure that this illegal criminal activity is stopped with appropriate punishment and penalties. 

When a consumer makes a mistake these mortgage bankers pile on predatory fines and interests to push them into default and feed on them like vultures. In all fairness Mr. Cooper should be penalized proportionate to their income! 

All customers of Mr. Cooper need to be notified of this and asked to check their accounts too,
Consumer complaint received 2021-12-02
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

Student Loans were placed in a Forbearance/financial Hardship. Account shows late payments. I was never late. I have 5 lates on my credit report. My credit score has been affected. Loan was sold and during this time the forbearance not being report accordingly. 

Listed contact number for Navient XXXX disconnected. Letter sent XX/XX/XXXX no reply. Account # XXXX Navient claims no correspondence was received since XX/XX/XXXX. Letter sent XX/XX/XXXX and XX/XX/XXXX. No record of my correspondence. 
Transferred consolidated XX/XX/XXXX. Bankruptcy XX/XX/XXXX, XXXX XX/XX/XXXX Discharged - Account was in forbearance prior to the bankruptcy. XX/XX/XXXX curred. Please dispute and remove from my credit report. 

I am the consumer. The account was full paid and closed. The reporting is unfair and deceptive. I see this to be unfair to me. 

I'm here to dispute inaccuracies and incorrect information. This practice can not be utilized on credit report for privacy. Putting on my credit report my private information to other people without my consent. I did not tell them to use or share with others. If it continues, I will need to take next steps FCRA disputing process.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AZ)

On XX/XX/2020 I authorized PNC bank, custodian of my Health Savings Account, to pull {$3000.00} from checking account at XXXX XXXXXXXX XXXX. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my XXXX account. On XX/XX/2020 I received an Email from PNC bank stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called XXXX XXXX. On XXXX they provided me with the ACH transaction number which I then provided to PNC shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with PNC about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from PNC. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get PNC and XXXX XXXX to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I am harassed with phone calls every hour throughout the day. When I pick up the phone, no one is on the other line to answer. Naviant calls from several different phone numbers in several different area codes. Today ( XX/XX/19 ), for example, I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I answered the call at XXXX and no one ever came to the line. I also declined permission for automated calls from this company. 

My payment was going to be XXXX ( ish ) and an INTEREST only payment was XXXX ( ish ). My government loans are consolidated and my monthly payment is {$55.00} due to an income-based repayment plan. Naviant will not help me with an affordable payment and employees never seem to have the same answer.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (SC)

I wish to file a complaint and request a investigation of practices of Santander Consumer USA of Texas. This organization has no control of its representatives nor its vendors. The # of complaints regarding this bus business are beyond count and indicate a clear pattern of mistreatment of Consumers. XXXX
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2019-05-30
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: COMMERCE BANK (IL)

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} Commerce Bank {$2200.00} XXXX   {$2200.00} XXXX XXXX {$300.00}
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (PA)

XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I spoke with a representative from Netspend this morning, who told me I owed them money for an old dispute that was resolved by me. After 10 days, Netspend was supposed to issue a provisional credit which they did not do. They allowed the case to drag on for over a month and a half, including inappropriately holding funds that I had deposited on the account to pay a phone bill. After total disgust in their handling of my dispute with XXXX XXXX - I filed a complaint with XXXX  XXXX XXXX   and spoke with the airlines. The very next day the money was returned to my account. Netspend did not resolve the issue. I had to because it took Netspend so long to do so. 

They have consistently refused to release my funds from my tempoary card - WHEN I DON'T OWE THEM ANY MONEY. 

My account has a XXXX balance and the remainder of the money was returned to me by XXXX yesterday. If there was an issue with an outstanding balance- they would have told me over the last month and a half of using the card and not retuned my money. 
In fact, I also believe that they shorted me my refund from XXXX - an issue that has never been resolved with them. 

In speaking to them this morning - they want to have their Global Escalation team to call and have continued to XXXX me around rather than releasing the funds right away, so that I can make my payment due for my cat which is now late because rather than releasing the funds yesterday - that they had no right to hold- they have continued to make up bunk XXXX stories about money I DON'T OWE THEM OR ANYONE ELSE. 

I Missed half a day of work yesterday along with other obligations I needed to get done and INCURRED A LATE PAYMENT BECAUSE THESE PEOPLE JERKED ME AROUND ALL DAY YESTERDAY AND HELD FUNDS THEY HAD NO RIGHT TO HOLD. 

In reading online about th his company last night - they have tried to play this game on other people, who finally did recover their money - because Netspend was DEAD WRONG IN KEEPING IT IN THE FIRST PLACE. 

These people are cooked as the cows who come home. 

They should be investigated not only for their fraudulent activity on my account. But for the many others who have suffered at the hands of their or theft. 

I WANT MY MONEY RETURNED IMMEDIATELY, SO THAT I CAN PAY MY BILL. PLUS THE LATE PAYMENT THEY WILL OWE FOR NOT IMMMEDIATELY RELEASING MY FUNDS YESTERDAY.