davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (NJ)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
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)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 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 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2016-06-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CO)

On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, XXXX and myself it was determined the funds were sent to Citibank which was the previous owner of the card. On XXXX XXXX another 3 way call with Citbank, XXXX and myself in which payment amount, date and trace numbers were sent. I contacted Citibank on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted XXXX and was told the case had been closed and would reopen it. The representative told me he would call me this XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail. XXXX XXXX has repeatedly sent proof of payment, transaction records and CitiBank refused to communicate. I have been in direct contact with a representative from XXXX XXXX and they have now sent it to there liaison.
Consumer complaint received 2016-10-17
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (GA)

Pioneer Recovery has repeatedly contacted me past XXXX. They have contacted family members that I am not in contact with and discussed my debt. The company has also contacted my employment although I have repeatedly asked them not to do so.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (IL)

We have a second mortgage with TCF bank. For the past 11 years we have been paying {$440.00} per month. We used to get a once yearly statement. Recently we have getting a monthly statement. I realized that the amount of principal credited each month was questionable. It should more principal credited each month.. From the enclosed statement you can see that was not the case. In fact almost 2 years of payments show no principal reduction at all. As you go over the statement you find many inconsistencies. Such as we have made the XX/XX/XXXX payment on XX/XX/XXXX. The principal on the statement said {$250.00}, yet we were credited {$120.00}. We were credited {$170.00} on XX/XX/XXXX and then {$140.00} on XX/XX/XXXX. Why would it be less? Why would it be less again on the next payment? I called TCF on Tuesday XX/XX/XXXX at XXXX my time.I spoke with XXXX and she had no explanation. The called last 26 minutes and she acted like I did n't know what I was talking about. She said she would send out a statement and call me in a week. I received the statement which have enclosed. Today is XX/XX/2017 and no call back The money is automatically withdrawn by TCF from another TCF account on the XXXX of each month. Due to circumstances at the time we had to accept a loan that was not very good. We have lived up to our part of the agreement all these years. Due to a first mortgage that is almost paid off TCF would not refinance this loan.
Consumer complaint received 2017-01-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (DC)

I have been attempting to redeem a " 15 year 4 % XXXX '' bond dated XX/XX/1985 issue # XXXX, issued by the Chase Manhattan Bank XXXX. and after calling on numerous occasions I have received vague and conflicting information without obtaining any results or satisfaction. The account # is XXXX and the tax ID associated with this bond is XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (AL)

I am currently enrolled in a debt settlement program. I notified the debtor, Lendmark Financial at the time of enrollment and provided the information to the company. On XX/XX/22, I received a call from XXXX at Lendmark to discuss my account. I informed her that I was enrolled with XXXX XXXX and she stated that the information was notated on the account. At the end of the conversation, I asked XXXX politely to not call my job again and to contact me via my personal cell. Less that XXXX minutes later, I received a call from Lendmark again, XXXX was the caller. I asked them why are they calling my job after I specifically just asked them not to call me at work.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I spent over an hour navigating the dispute process on XXXX XXXX  website, only to encounter persistent consent errors. After finally resolving XXXX issue, I discovered that I could only dispute a single item at a time, with no option to address other issues for another XXXX  days. The process was inefficient and frustrating.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Novo Platform Inc. (WY)

Dear Sir/Madam, I am writing to bring to your attention a concerning issue that myself and business partner has been experiencing and I have encountered with NOVO. We believe our experience warrants investigation by the Consumer Financial Protection Bureau ( CFPB ) due to potential violations of banking regulations and consumer rights. 

On XX/XX/year>, they closed our account with NOVO. As part of this process, we were informed that a check would be issued to us for the remaining balance in the account, which was {$75000.00} sent to our business address. Despite repeated inquiries and requests for updates, we have yet to receive the issued check or any substantial response regarding its whereabouts from NOVO. We are only able to email them and they only provide the same repeated generic messages. 

Furthermore, our attempts to communicate with them have been met with significant challenges. There are no live representatives available for assistance, and the bank has failed to provide us with a tracking number or any means to verify the status of the check or the closure of our account. This lack of transparency and accountability has left us deeply concerned and financially vulnerable. 

Given the substantial amount of money involved and the apparent disregard for our rights as consumers, we are seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly. We believe that NOVO 's actions may constitute violations of banking regulations and consumer protection laws. 

We have several screenshots of all of the request and screenshots of our account. We trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation into this matter and take appropriate action to ensure that our rights as consumers are upheld. 

Thank you for your attention to this matter. We look forward to your prompt response and resolution.
Consumer complaint received 2024-11-15
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. (CA)

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. 

Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 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 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 XXXX 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 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

I am missing XXXX payment in XX/XX/2023 and XXXX payment in XX/XX/2023. These are payments for the XXXX  of XXXX and XXXX. My employer has been paying XXXX directly to " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ''. I called and spoke XXXX  times to my XXXX XXXX XXXX XXXX services ( XXXX XXXX ) and they told me every time that on their end all payments have gone through including the missing payments of ( XXXX and XXXX ). XXXX had a XXXX change in their website where all my loan and payments disappeared for XXXX  months. And some of the payments are still missing after the new website and the transfer. I have reached out to the XXXX XXXX  XXXX a XXXX  times as well and they told me they can not help me and that I needto speak with XXXX. XXXX has refused over and over to send me payment receipts. XXXX had asked for the receipt as well to show proof that they hadn't received payment, but they did not comply. Everytime I call XXXX, none of the representatives can assist me. I have tried escalating my case to a supervisor, but they did not reach back out to me like they said they would. I am missing XXXX. This is a big chunk of my XXXX  contribution. XXXX won't comply and help me out. It has been now over a XXXX  since my XXXX payment ( supposed to post in XXXX ) and XXXX payment ( suppose to post in XXXX ) have been amiss.
Consumer complaint received 2024-11-15
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. (FL)

I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Consumer complaint received 2016-10-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

OK to start when I open the chase account I was told that there would be a charge of XXXX if I use my card and did not have the funds which chase would cover up to XXXX but would charge me XXXX well I 'm on ssi and I had this bank for over 9years and never notice until now that chase has been charging XXXX extra if I did not deposit the money that they have covered. I found out that if you do n't deposit the XXXX. That you will get charged XXXX morning in 5 days now I was never told that when I opened the account so chase has been stealing from me taking money from me and not only me the government because my money comes from social security.. So what I 'm asking is for chase to give me my XXXX that they took from me back after all this years.. That money belongs to me. Now I wonder how many people have they done this to specially the older people that get social security. I want something done about this ... I wonder if this company is doing what XXXX XXXX did.. Someone needs to do a investigation in Chase Bank ..luke I said all I want is my money that they took with out telling me.. To me that 's called fraud
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Lack of transparency and inaccurate loan details from my student loan servicer Edfinancial. 

Since Federal student loan interests resumed on XX/XX/XXXX, I've been making a monthly payment starting in XX/XX/XXXX, above the minimum payment of roughly {$100.00}. Yet, as of XX/XX/XXXX, I was suddenly put on delinquency, and asked to pay {$400.00} as a late payment. This is very incoherent with the monthly statements, and that amount came out of nowhere, making no sense. Also, in my account history, most of my monthly payments are shown as being contributed 100 % to the interest, which shouldn't be the case since I'm making a monthly payment above the monthly minimum. In fact, the servicer called me on XX/XX/XXXX, and said the reason was that I'm paying for the interest that was accumulated since the beginning of the forbearance. But that is false since interests were mandated by the government to be paused until XX/XX/XXXX. 

I ask for more transparency in my loan details, and for them to be fixed correctly. 
I am inquiring about : - the delinquency status that I was put in and why I'm suddenly asked to owe {$400.00} as a late payment- where the {$790.00} payments that I made since XX/XX/XXXX went to? 
- why most of my monthly payments were contributed 100 % to the interest when Im making a monthly payment above the minimum?
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I refinanced my loans in the fall of 2023. The new loan provider sent the corresponding amount of money to XXXX at that time. 

XXXX applied that money to the wrong loan balances. In fact, one part was applied to an XXXX loan paid off years ago. The other loans with balances were not repaid, so they still have the outstanding balances despite having a {$75000.00} overpayment on another loan. 

Because of this, my autopay kept going for a couple of months. When I noticed the error, I called to fix it. They assured me a priority ticket would be filed. When I started receiving notices about not paying my loan from the DOE, I called again and emailed. They said they would get to the ticket as soon as possible. 

It's been months, and I have not received back my overpayment nor have I seen the balance be adjusted in any way. I am concerned this will affect my credit score and also it is inexcusable to have it take months to resolve an issue that never should have happened.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MD)

I have been trying to close my account and the bank wo n't let me because they said that my account has to be {$0.00}. I wanted them to either send me the money back ( in form of a check ), or send me a bill for whatever amount is due. Because the account is not closed, automatic debits keep hitting the account and continuing to charge me fees. My point is that it 's a bank. Either send me a check for the amount in the account, or bill me. But I want the account closed.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I have been trying to get my student loan servicer, XXXX, to process my XXXX XXXX education award for four months now. I submitted my payment on XX/XX/XXXX, and was told by multiple EdFinancial agents that it would be processed by their finance department in 14 days. This did not happen. I would wait on hold for up to 4 hours, or wait for a call back and never get it. Every agent has told me something different about timelines. In XXXX of 2023, EdFinancial told me I needed to upload proof of payment, which was not told to me by any other agent up to this point, there was no location to upload proof of payment, but I uploaded it to a few other document spaces and emailed, and I see it in my Edfinancial account inbox as having been sent in. I also saw an update on XXXX end ( they have done everything correctly and in a timely fashion, unlike EdFinancial ) that it was accepted by the Institution ( this was over 3 months after my XXXX submission ). It said the payment was accepted by the Institution on XX/XX/XXXX. On XX/XX/XXXX, I had called ( as usual, about every two weeks to check status ). I was told that they would escalate my case to emergency status, and it would take 10 business days to process. Nothing changed. I called again, and asked if I would need to make my monthly payments to avoid credit score impact. They told me nothing would impact my credit score, and that I did not need to pay. I would get no warnings. However, in XXXX my payment was labelled delinquent. I paid because I was nervous about my credit score and financial standing. I talked to a supervisor. She said I didn't need to pay. She said she would submit the emergency request ( which was never filed, although I was told by the agent in early XXXX it was ). She would also submit a forbearance request. Neither of these have processed, now a month later. Every agent says they can't talk to finance, and finance can choose when they want to process the payment. I have been responsible, and XXXX and I have submitted all proof. 

I would like to file a complaint based on misinformation I was given on timeline. I was promised 6-10 days processing. Then 10-14. Then 30 - 60 days. Then 60+ days. Finally on XX/XX/XXXX I was told I was " misguided '' and that there is no processing turn-around time. Finance has no deadline.