davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (WI)

Chase seems to be systematically trying to save money at the expense of their cardholders ' credit scores. I  have a  ( 1 ) Chase Freedom card and an ( 2 ) Amazon Prime [ Chase ] card and my wife has a different ( 3 ) Chase Freedom card that I am an authorized user on. Three times in the last 6 months my wife and I have been  notified that we were delinquent on our credit card payments and the reason is that we never received statements. Why did we not receive statements? Because, as Chase said to me over the phone in  XXXX   2017   ( I think ), I must have signed up for Paperless Statements on my Amazon Prime [   Chase ] card. I explained to them that the way I do my monthly bill payments, I MUST have a paper statement sent to me and that I would have NEVER EVER agreed to or signed up for paperless statements. Next came my wife 's Chase Freedom card  which we were informed had a delinquent balance in  XXXX  or  XXXX  of  2017 . Same ca ll to Chase, same response from Chase. No w today,  XXXX   XXXX ,  2017 , I received a text from  Chase about MY Chase Freedom card being delinquent. Same call to Chase, response from Chase rep was that he did not understand how it could be possible that I was switched to paperless statements without my approval because that was the only way ( to his knowledge ) that one 's account could be switched from paper statements to paperless. Coincidence? ... ..three times? I do n't think so. Th is is fraudulent and I hope that CFPB can do something about this. CONSUMERS BEW ARE OF CHASE 'S FRAUDULENT BUSINESS PRACTICES. I 'M SURE THAT I AM NOT THE ONLY ONE THIS HAS HAPPENED TO AND THAT I AM NOT THE ONLY ONE WHO HAS MADE A COMPLAINT ABOUT THIS. CHASE DESERVES TO HAVE A CLASS ACTION SUIT FILED AGAINST IT ON BEHALF OF THE CONSUMERS WHO 'S CREDIT SCORES THEY ( CHASE ) HAVE ADVE RSELY AFFECTED.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a letter from Transunion dated  XXXX   XXXX ,  2017  stating that they have verified  a Public Record  of Bankruptcy. I sent a letter to Transunion in response to them on  XXXX   XXXX ,  2017 . I stated in the letter that I would like for them to show me proof of their verification, and any documentation bearing my signature. They have not done that. They have sent a letter dated  XXXX   XXXX ,  2017 , stating that they have verified the public record, and updated the information as well. THIS IS NOT WHAT I ASKED FOR!!!!! They do not state where the information was obtained, and if it was not obtained from  the Court, this needs to be removed ASAP!!! I will be sending the Attorney General a letter, along with reporting Transunion to the BBB as well. This is defamation and fraud.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I receiv ed 2 letters from Bank of America notifying and informing me that several claims I made with Bank of America in regards to my checking and money market savings account being used fraudulently and unauthorized and having unauthorized and fraudulent transactions and charges on my checking account,  were authorized by me and posted correctly to the account. The unauthorized and fraudulent transactions were not authorized by me. An identity thief used my personal information and my previous and current address to commit unauthorized and fraudulent transactions on my checking and savings account. I made a police report in regards to identity theft and my checking and savings account having fraudulent and unauthorized transactions that was not authorized by me. The fraudulent and unauthorized charges and transactions do n't belong to me.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ROBINHOOD MARKETS INC. (CT)

Dear CFPB, I am writing to formally respond to Robinhood Credit , IncXXXX ( XXXX, formerly XXXX ), regarding their communication dated XXXX, in which they erroneously assert that my acceptance of their XXXX Cardholder Agreement on XX/XX/year>, waived my rights with respect to the reporting of my account information to credit bureaus. 

While I acknowledge that I accepted the terms of the XXXX Cardholder Agreement, I assert that such acceptance does not constitute a waiver of my statutory rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., or any other applicable consumer protection law. Specifically : No Waiver of Privacy Rights under FCRA : The FCRA mandates that any consumer reporting agency may only furnish consumer reports under circumstances authorized by 15 U.S.C. 1681b, and nothing in the acceptance of a credit agreement can override or waive the rights afforded to me by federal law. The fact that I agreed to certain terms in the cardholder agreement does not exempt Robinhood Credit from complying with its obligations under the FCRA to report accurate and complete information. 

Revocation of Consent to Report : While the XXXX Cardholder Agreement may permit Robinhood Credit to furnish my account information to credit reporting agencies, I retain the right to revoke my consent under 15 U.S.C. 1681b ( a ) ( 2 ). By submitting my complaint, I have formally revoked my consent for Robinhood Credit to continue reporting my balance or account information to any consumer reporting agency. Robinhood Credit 's reliance on the initial agreement to justify continued reporting ignores my statutory right to control the dissemination of my nonpublic personal information.

Failure to Address the Request for Correction or Deletion : Robinhood Credit 's response fails to address the core issue of accuracy and whether the reported information complies with 15 U.S.C. 1681e ( b ), which imposes an obligation on furnishers to ensure that the information reported is both accurate and not misleading. By failing to provide a reasonable investigation into my request for an update or correction of the information reported, Robinhood Credit may also be in violation of 15 U.S.C. 1681i, which mandates a thorough investigation into disputed information. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MN)

THIS CONTAINS TO MORE THEN ONE COMPLAINT, BALANCE ON THE LOAN. SHOULD THIS COMPANY PROVIDE A RETURN LETTER TO SUBMIT PAYMENTS, I DO NOT DO ONLINE BANKING, MY ELECTRIC AND GAS COMPANIES FORWARD A LRETURN LETTER TO REMIT PAYMENT WHY CA N'T NAVIENT. ALSO THE INTEREST STATEMENT FOR TAXES, SOMETIMES IS HESITANT. BASICALLY OVERALL I DO NOT KNOW HOW I GOT MIXED UP WITH THIS COMPANY IN THE FIRST PLACE. CRAZY THANK YOU XXXX XXXX
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IN)

Me and my wife applied for a HARP refinance with  Quicken  Loans on  XXXX / XXXX /  XXXX  . Our application was denied due to our  credit score o f  XXXX . As stated on the     XXXX   website " Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score needed, either . ". see below 's chat transcript. This is an email of the transcript I got directly from QUICKEN LOANS stating that they do infact " accept HARP refinances ''. I should have been approved for the next step, instead i was flat denied.   General Info Chat start time   XXXX   XXXX   XXXX      XXXX   XXXX    E ST Ch at end time   XXXX   XXXX   XXXX      XXXX   XXXX   E ST Duration ( actual chatting time )   XXXX    Op erator  XXXX   XXXX  Chat Transcript info : A team member will be with you shortly.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info : info : Please wait while your chat is transferred to  XXXX   XXXX .   info : All team members are currently assisting other clients. Please hold for a brief moment. Thank you for your patience.   info : The chat transcript will be sent to :  XXXX  XXXX  XXXX  at the end of your chat.   info : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window.     You are now chatting with  XXXX   XXXX .   info :  XXXX   XXXX  : Hi, I just chatted with a gentleman about being declined due to our credit score. I applied for a HARP refinance. He said we were not eligible due to our credit score being  XXXX . I just read the HARP qualifications and i got this directly off  XXXX . -- -- -- - Through HARP, you can get a lower interest rate ( which means less out-of-pocket costs each month ), get a shorter loan term, or change from an adjustable to fixed-rate mortgage. There 's no minimum  credit score  needed, either.  XXXX   XXXX   XXXX  : OK there may be other lenders that follow those guidelines, but we may have some overlays.    XXXX   XXXX  : ok. What should i do now? Wait for a call or email?    XXXX   XXXX  :  Well I would co ntact the lender that currently holds your loan, unfortunately I have to follo w Quicken Loan guidelines.     XXXX   XXXX  : Ok, Thank you  XXXX   XXXX  : Thank you  XXXX .
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (NJ)

Hello - My mortgage is financed through  PRMG ( Paramount Residential Mortgage Group ) . In early  XXXX  I received a letter stating that my loan was moved to a new service provider and that I would be receiving a new loan #. The letter went on to state that all payments beginning with the  XXXX / XXXX /  XXXX   statement should go to the new address using the new loan #, but that payments sent to the old address/using the old loan # would be honored for 60 days. I never received a letter with a new loan # so I sent the  XXXX  payment to the new address using the old loan # . PRMG cla ims they did not receive the  XXXX  payment and refuse to discuss this with my bank. Additionally, they did not mail the new loan #  s  until  XXXX / XXXX /  XXXX  . As of  XXXX / XXXX /  XXXX  , I still have not received my new loan #.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am XXXX year old retired elderly woman living on a very small fixed income. I have a bank account with Capital One. I cancelled my services with the XXXX and the XXXX XXXX. Both the XXXX  and the XXXX XXXX said that they closed the account, and no more monthly debits would come out of my Capital One account. That was in XX/XX/2017. When I saw that funds were still being monthly debited from my Capital One account, Capital One said that they stopped payment and no more money wouldn't be debited from my account to XXXX nor the XXXX XXXX. In addition, Capital One issued me a new debit card for my checking account. However, even with the new card and Capital One stating that they stopped payment on the two accounts ( XXXX and XXXX XXXX ) each month funds are still going out XXXX  and XXXX XXXX.

I don't understand why Capital One is working for these two merchants against their own customer who they promised that they would stop payment.

Capital One is taking money out of my account unauthorized after I told them to stop payment to those two merchants back in XX/XX/XXXX, and Capital One issued me a new card saying that they stopped payment and it won't happen again.

There are some days that I can not eat because I relied on Capital One 's statement to me that they cancelled those two merchants from my account. Capital One has caused me so much problems leading to even physical problems for this unnecessary stress.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. Thank you
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. Thank you
Consumer complaint received 2017-11-06
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. (IL)

I got my free Equifax credit report through the Annual Credit Report service but when I clicked on the link to dispute some items, it went nowhere. Whether intentional or accidental, Equifax made it impossible to link my credit report to my dispute. 

I tried going to the dispute site manually but was asked verification questions that did not match my identity which put me into a generic web dispute submission area where it was impossible to match my disputes to the items on my report. 

This is because Equifax 's report does not list any account numbers or partial account numbers nor does it list the full addresses associated with these accounts. I knew that the accounts were incorrect based on their balances and having them show up on the XXXX report. On the XXXX report I could flag incorrect addresses but not on the Equifax report.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the credit being pulled without my permission.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank  of America, o n an  XXXX  rewards master card, has charged me fees and interest even when there is a credit balance on the card. Additionally, it failed to refund ov er a thousand dollars of the credit balance and it is difficult to impossible to reach a representative  on the toll free number that appears on the billing statement.  XXXX  could not be reached by pushing  XXXX  or through other reasonable means, thus requiring the caller to have his or her time wasted by a lot of rerecorded garbage. When I finally reached someone, he told he I would have to call someone else about this problem. So, in addition to messing up accounts, charging the customer for their  XXXX  ups and then compounding their own mistakes at increasing expense to the customer, the  XXXX  number published on their statements reach no one who can actually do anything to correct their mistakes.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (CA)

I was trying to contact  XXXX  about an approval for repayment plan, I dialed the number on the invoice  XXXX  and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of  XXXX  student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition  XXXX   XXXX  explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into  XXXX  loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling  XXXX  to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money back
Consumer complaint received 2018-03-08
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)

I previously contacted Equifax about 2 closed medical accounts from XXXX XXXX. I received a letter saying the account was accurate and verified. This account is still reporting from the XXXX XXXX the original debtor, but it was placed in collections under XXXX XXXX XXXX so why are Equifax still reporting this inaccurate infomation? I've attached a copy of another bureau 's file that shows these accounts that were placed in collections, were investigated and removed from my file. Equifax has failed to notify me of how they conducted their investigation, who they spoke to verifying the information, the time and date of the investigation, and what company they contacted to validate this debt. Under the FCRA, All reported information by the bureau has to be ACCURATE. I have a problem with this bureau and only this bureau, especially after constantly staying in the media for security breaches. How is their investigation into this matter accurate and the other bureaus resulted in removal of these negative items and a updated credit file. I would ask Equifax to respectfully remove these negative closed items, since I wasn't notified of any of the above actions that lead to a successful verification of this debt. Not validating info submitted to the bureau is unexceptable to the consumer 's rights to obtain a updated accurate credit file.I 'm trying to obtain good credit, and trust again into a once reputable credit bureau, but it seems the consumer has to fight a uphill battle for a rightful reasonable outcome.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my  credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I  may  be denied because of this and I need this removed from my credit report.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

I took out a car loan 5 years ago through santander consumer u.s.a. I have been making payments of {$330.00} for  XXXX  years. My original price for my car loan was just over {$14000.00} and I took out a 72 month loan. I have given this company over {$18000.00} and my balance states that I still owe over {$7000.00}. Last year I inquired as to why my principle was still so high and they informed me that my interest rate fluctuated based on when I made my payment. I looked over the paperwork and it says in there what my interest rate is, which was about 18 %, and it does say it can vary but it says no where in there how they determine the interest rate. So if I was a day late they could jack up my interest rate to the max after  one day l ate. They also reported my payment late for several months even though I have a chat record that says I was never late. They have been preying on my families finances and now I have a car that is at leas t   XXXX   XXXX   under  appraisal and I have no end in sight for my loan payments. I have several chat transcripts that displays their incompetence. I have also requested them several times to send me everything that pertains to my contract and each and every time they send me my payment history and that is it.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

In short a company ca lled ARM Solutions is trying  to collect a {$65.00} debt that they claim is owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The {$65.00} was paid months ago, but ARM Solutions keeps sending me notices.  <P/> Timeline  XXXX  -  XXXX   -2017 - I fil led for  XXXX  different service requests using my home warranty,  XXXX   XXXX ,  XXXX  for dishwasher and the other  XXXX  for the fireplace.  <P/> Within the next week - The dishwasher repairman arrived and fixed the dishwasher. I did n't pay him the {$65.00} deductible because I did n't have any checks or cash and he said I could pay the home warranty company on their website.  <P/> Within the next week - The plumber arrived but said that fireplaces were n't covered by my warranty. My spouse paid him {$65.00} in cash for the deductible.  <P/> Within the Next week - I complained to  XXXX   XXXX  for sending a technician and charging me for a service that they did n't cover. They agreed to refund the {$65.00}.  <P/>  XXXX  -  XXXX  -  2017 - I receiv ed a notice from ARM solutions that {$65.00} was past due.  <P/> I called first american, they said they had n't issued me the refund yet because they were waiting on an invoice from the plumber for financial backup. I asked them to apply the refunded {$65.00} from the fireplace to the dishwasher deductible, they agreed and we settled the matter.  <P/>  XXXX  -  XXXX  - 2017 - I  received a second notice from ARM solutions that {$65.00} was past due. I contacted them and left a voicemail explaining the situation and offered to provide them written proof from  XXXX   XXXX . No one ever called me back.  <P/>  XXXX   - XXXX  - 2017 - I re ceived a third notice from ARM solutions that {$65.00} was past due.  <P/>  XXXX   XXXX   -2017 - I re ceived a fourth notice from ARM solutions that {$65.00} was past due.  <P/> I 'm now informing the CFPB so that I might receive help in getting ARM to stop sending me these notices. Not only are they a nuisance, but I am concerned they will notify a credit agency and it will affect my  credit score err oneously.