davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check with the amount of XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX using the mobile app. The next day I am told my account is restricted and will close in 10 days if I don't get the check verified. I go to the physical bank with the check and they verify it is real and call XXXX XXXX to verify the check but they say the number on the check isn't verifiable. It doesn't match the number they have in their system. So they tell me to go to a physical branch with a XXXX XXXX employee to verify the check. So I go to the physical branch again on XX/XX/XXXX with an employee of XXXX XXXX, XXXX XXXX, the lady who gave me the check, and she's bring the documentation to show the check belongs to me and proof she works for XXXX XXXX. They contacted fraud protection and they said the check can't be verified that way I need to provide a verifiable number. So I contact XXXX protection again multiple times for weeks and keep providing numbers to account payable of XXXX XXXX so they can verify they check. Chase tells me their number isn't verifiable. They tell me to get the owner of the XXXX account to contact chase to verify they check. So on XX/XX/XXXX, the CFO of XXXX XXXX, XXXX XXXX, and XXXX XXXX, Account Payable, and I contact chase fraud protection to verify the check. We talk to them for over XXXX hours to verify the check and then they want to say the CFO of XXXX XXXX can't verify the check. because XXXX XXXX number isn't verifiable. XXXX asked if there is the way we can recall the check or get it back and a representative says " No, the only way to get the funds for this check is to verify it with a verifiable number ''. We asked what is a verifiable number and they said the business number that match their system. The CFO told them that XXXX has been XXXX XXXX business number for 38 years there is no other phone number. It is now XX/XX/XXXX and Chase still refuses to give me my money.
Consumer complaint received 2017-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: POPULAR BANK (CA)

Loan is due XXXX for full Pay out. 

XXXX we faxed all paperwork pertaining to refinance ( fax transmittal in hand ) XXXX Resent more paperwork " now needed to process loan '' ( fax transmittal in hand ) Need a GOOD contact number or email to follow up on a loan modification. 


XXXX Sat on hold today 55 min on XXXX cust rep said what is the passcode ( we never set one up ) He said sorry you must call XXXX when we call it says hold on ( tried several different prompts ) and eventually hangs up XXXX for " new '' loans with the hope someone there could get us to the correct department. 

1 ) Please contact us back about the re-finance/modification on our 2nd loan that you hold. Reply to this email if you MUST but preferably to the customer on file email at : XXXXXXXXXXXX or Call XXXX and speak to your customer. 

TERRIBLE service, I guess the XXXX reviews were correct? Prove me wrong! If we do not hear anything within 48 hours, we will be forced to go higher : Starting with the BBB in California where the loan is provided. The BBB in Florida because that 's where your company is located. Lets see there is Florida office of financial regulation, or Consumer finance protection bureau, Attorney General Washington DC??? YOU PICK or simply give me a number to call and get this resolved. 

XXXX XXXX
Consumer complaint received 2017-10-23
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: Experian Information Solutions Inc. (GA)

Bankruptcy reported on XXXX and Experian credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XXXX XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XXXX XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.
Consumer complaint received 2023-01-03
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. (OH)

I have filed police reports and reports with the ftc. Inquires were placed on my report with out my consent. 
Here are the FTC report numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-11
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. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Dealing with Shellpoint Mortgage Servicing 1. Received first letter dated XX/XX/XXXX requesting proof of hazard protection coverage. This is covered by our Homeowners Assoc policy. 
I replied to them on XX/XX/XXXX attaching a copy of our insurance policy.

On XX/XX/XXXX they confirmed that they had received the document. 
2. Received second and final notice from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and threatening to take out insurance cover on our behalf. 
I replied on XX/XX/XXXX stating that I had already sent a copy of the insurance and please do not charge us for any insurance. 
On XX/XX/XXXX they replied and apologized for the confusion caused and said to ignore the letter of XX/XX/XXXX. They stated your insurance is updated and no further information is required. 
3. Received third letter from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and stating that they have placed lender insurance coverage on our property at a cost of {$2200.00} and that our monthly payments will be adjusted to cover this cost. 
I replied on XX/XX/XXXX to say that they must have made an error as we have already given them proof of the insurance and they have confirmed receipt of this, and that they MUST NOT charge us for insurance.
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX, and with an account balance of XXXX, we accidentally sent XXXX XXXX XXXX,  Florida, {$2100.00} from our XXXX XXXX account, a payment intended for another organization. The money was subtracted from our checking account and went to XXXX ( serviced by XXXX XXXX ).  We notified XXXX of the mistake and they refunded the amount on XX/XX/XXXX, a satisfactory outcome. This should have closed the matter, but it did not. 

In my XX/XX/XXXX bill and thereafter they unaccountably charged me for that same amount. Recall that I had a XXXX balance. They initially claimed that they did not get my payment of XX/XX/XXXX, although I sent them my bank statement showing that they did. XXXX XXXX  had not blocked payment. 

XXXX changed its story and claimed that they had sent out two refunds of {$2100.00} on XX/XX/XXXX. They gave no explanation of why they would send two, nor did they send evidence of a second refund. They never made a second refund, but they keep billing me as if they had, and with mounting interest. 

I have phoned XXXX XXXX/XXXX numerous times, talked with various customer service representatives ( XXXX, XXXX, XXXX, and others ) and have sent notarized copies of my bank statements. 

XXXX XXXX, it 's legal department, and XXXX XXXX XXXX, the branch manager have become involved and have sent statements and letters verifying that I never received anything but the initial refund of {$2100.00}. XXXX XXXX spoke at length with a supervisor, XXXX XXXX (? ) on XX/XX/XXXX. 

XXXX seems unable or unwilling to drop the fictitious charge. I have supporting documentation.
Consumer complaint received 2017-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I have three loans with navient. I am currently in a XXXX school program and my loans should be eligible for in-school deferment. I spoke to over 10 people on the phone at navient to try to handle this and was continuously given faulty information. First they told me they needed a letter from my school, which i provided, and was told this was not enough. I was then directed to a website to have my school fill out the form, which they did, and again I was told this was not the proper form. I had to repeatedly explain my situation to try to locate the proper form. This took a lot of time and energy. Finally after being redirected numerous times, someone emailed me the appropriate form. Which I then had my school fill out, and again I was told the information was not enough. At this point, I just gave in and paid well over the balances on each loan, only to find out that during this time they had reported me to the credit bureaus. This was something that was in process, and I was explicitly told that I had until a certain time before my credit would be affected. The reported me a month before the date they had given me.
Consumer complaint received 2017-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I have had a loan with XXXX XXXX, now Navient, since XXXX. I recieved the loan because my father signed up electronically under my name and asked his friend to be a co-signer ( unknown to me at the time ). However, I have accepted responsibility for the loan and was told I could defer my payments while in school. However, in XXXX I w as informed that, even though I was im school, I no longer qualified for in school forbearance since it was a private loan. I began repayments and have periodically used forbearance as my only option when in between jobs ( a total of one year cumulative forbearance ). I called on Friday, XXXX XXXX to extend my one month forbearance and was told I no longer qualify for any temporary relief but could apply for interest only payments. I was put on hold and the representative came back to say I was approved and my loan would remain in forbearance for an additional week until my auto pay interest- only payment was processed. I completed an electronic agreement over the phone with the representative, getting confirmation # XXXX. 

Today, on Sunday, XXXX XXXX, I received an electronic message saying my request was denied and that my loan was now past due and in default since they had adjusted my auto-pay schedule ( thus, cancelling my old one ). My account now shows as 2 months past due and in default, which will not only negatively affect me but also my co-signer who also does not have the money to help. I have explained this to Navient and they said I am approved for this new plan, yet this paperwork was electronically sent today. 

They have done things like this im the past, such as saying I am in the in-school deferment program and then removing me randomly placing my loan status to default. 

They continuously do very little to work with me regarding reasonable payment options and it is getting increasingly difficult to deal with, as I am currently in between jobs. I hope there might be something you can do to help me resolve this issue!
Consumer complaint received 2017-10-23
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)

XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

XXXX XXXX, 2017 they almost XXXX dollars out of my account I had contacted the company they me I had borrow XXXX which I never borrow that amount I only borrow XXXX in XX/XX/XXXX which I had paid that amount back they I was paying the interest fees this was not in my contract they keep taking money out of my account which I do not, they wo n't put the money back in my account this company is nothing but a scam.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to XXXX, XXXX and TRANSUNION requesting verification of the undermentioned debt ( s ). It has become increasingly clear that XXXX, XXXX and TRANSUNION are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. XXXX, XXXX and TRANSUNION were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). XXXX, XXXX and TRANSUNION were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. At this point, You, XXXX, XXXX and TRANSUNION, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, XXXX, XXXX and TRANSUNION failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since XXXX, XXXX and TRANSUNION were unable to provide me with a copy of verifiable proof within the allotted threshold, XXXX, XXXX and TRANSUNION must remove the accounts listed below. I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the FCRA : XXXX XXXX - ACOUNT NUMBER : XXXX - BALANCE {$35000.00} -XXXX  XXXX  - ACCOUNT NUMBER XXXX XXXX - BALANCE {$680.00} -XXXX XXXX  - ACCOUNT NUMER XXXX XXXX - BALANCE {$34000.00}
Consumer complaint received 2024-10-11
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Ive asked for the bureau to remove the following accounts from my credit report. 

I am writing to inform your company that the following items are to be removed immediately : XXXX XXXX XXXX XXXX XXXX [ {$3900.00} ] The company claims and attempts to collect on a debt that is not legally binded to be collected. This company lacks state registration to collect on debts located in the state of XXXX  and are being summoned for a court appearance in XXXX XXXX for such fraudulent activity. 
The original creditor ( XXXX XXXX  XXXX ) is dissolved and permanently closed. 

XXXX XXXX XXXX XXXX XXXX [ {$300.00} ] The company claims and attempts to collect on a debt without proper state registration to collect on debts located in the state of XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

- XXXX XXXX XXXXXX/XX/XXXX Experian The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-10-11
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX