davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

There were three charges on my business debit card that I called to dispute on XXXX XXXX, XXXX. The rep at the time seemed to be unaware of the procedure, and I couldnt clearly understand him. However I proceeded with answering all the questions ask concerning why I was disputing and my evidence. I was told that I would receive a letter in the mail that I would need to sign and send back in. I never received the mail as told. 

After the holidays XXXX XXXX, XXXX I called again to get the status of my dispute and was told that they did not have any dispute on record. Perplexed, I asked what I should do. I was then told that they would submit the disputes properly and I proceeded to answer the same questions and provide proof. This time the rep seemed knowledgeable and was clear and cosice. She also told me that she noted my account on the previous dispute that was not filed properly. The next morning XXXX XXXX XXXX I receive a decision letter via email, stating they did an investigation and the funds will remain on my account. 

More perplexed, I called in that same day to find out exactly what was happening. This time a rep told me that the dispute was denied because they couldnt recover the funds from the merchant due to the date I submitted the claim ( essentially I was to late ). I explained yet again that I had previously called to dispute and it was not processed properly per the reps statement. And that I was told to resubmit because of it. The rep told me there was nothing they could do to help because they were unable to recover any funds from the merchants bank. 

Now, I have a merchant that will not refund and a bank that essentially dropped the ball and decided they will not help me any further other than submitting a complaint that does not remedy what actually happened to me.
Consumer complaint received 2023-02-17
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. (NY)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 
You were suppose to report by LAW during the TPP a modification or partial Payment. YOU DID NOT 8 MONTHS AGO OR NOW I have included copies of the credit Bureau again as I have before many times. You cause us pain and siffering not to mention the damage. We were unable to purchase another home because you were not doing what you were suppose to by LAW! 
Answer and handle my complaints. I will not stop until you FIX THE ISSUES and take accountablity.You just do n't care and caused us so much trouble from the beginning. I was never late until I talked to WF. and have not been late since this Modification!!!!!!!!!. 
XXXX and XXXX XXXX : XXXX XXXX
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I am having trouble getting correct info on what i 've owed between my matriculation at XXXX vs. XXXX XXXX University. Interest rates/fees have seemingly sky rocketed what i owed and from which school
Consumer complaint received 2015-10-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

Our loan got sent to the foreclosure department even though we tried to work with Wells Fargo so this didnt happen. When we were 4 months behind, we were told we could pay a minimum of XXXX payments. When we called back to make the XXXX payments, we were denied based on incorrect information given by XXXX department within Wells Fargo. This amount was XXXX. We were then told we had to pay the entire delinquent balance, roughly XXXX. I inquired if I could use XXXX accounts to pay and again was told we were allowed. I called XXXX to pay this amount and again, was denied. XXXX/XXXX/15 we were sent to the foreclosure department and now have to pay an additional amount of almost XXXX in attorney fees. We do not understand how this is justified. We did what we were told to do each time but it was always wrong and shrugged off as our fault. We are not the only loan they do this with and it is not fair to homeowners! No wonder there are so many vacant, foreclosed homes! We want reimbursed for these attorney fees that were completely unnecessary!
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (PA)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

On XX/XX/year>, CFPB Complaint # XXXX, XXXX, and XXXX. I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid request for investigation. However, in response, your agency has simply stated that the accounts in question were " verified '' without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. 

Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute - this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.
Consumer complaint received 2015-11-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I do n't remember this credit card to be honest I receive a letter from the XXXX saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be XXXX for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was XXXX before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.
Consumer complaint received 2024-11-09
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. (GA)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (FL)

I made a purchase through alibaba on XX/XX/XXXX. I have never received the products. This was for XXXX. I tried to resolve with the business but they kept sending me empty boxes and then showing that I received my products. I did not. I provided emails to navy federal where they admit they never sent the products and also where they threaten to kill me if I dispute the charges. Navy federal found in the favor of the company. I do not understand this. How can this be? Dont they have an obligation against fraud on my credit card?
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for XXXX, XXXX, and Transunion to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (CA)

Sometime around XX/XX/XXXX I unfortunately took the advice of a loan broker and purchased an adjustable rate home mortgage. Sometime thereafter I took out an equity line of credit with XXXX XXXX XXXX in the amount of {$200000.00}. Unfortunately because my interest rate doubled, I lost my home. XXXX XXXX XXXX foreclosed on me XX/XX/XXXX. In addition, because I no longer owned the home,  State Farm Bank made a demand for the {$200000.00}. Since I had no property with equity at the time, I was unable to pay. State Farm Bank and I agreed to a payment of {$500.00} a month until I could recover financially. ( I did not want to file bankruptcy as I had other debt and an IRS bill because of the foreclosure. ) I paid the {$500.00} a month faithfully and in XX/XX/XXXX State Farm and I agreed to {$1000.00} a month payment ( our agreement is attached. ) I have paid XXXX XXXX dollars a month faithfully from the time we executed our increased loan repayment agreement. In reviewing my credit file recently I came to learn that State Farm Bank is reporting me with a serious mortgage late record. The State Farm Bank loan representative told me on two different occasions that because the loan was charged off in XX/XX/XXXX, they would continue to report me as mortgage late. This is in spite of the fact that I 've paid them faithfully every month since the loan was charged off. What I do n't understand is that State Farm Bank started to report me late in XX/XX/XXXX. Prior to XX/XX/XXXXall that was indicated on my credit file was a loan foreclosure and mortgage loan charge off. I have  attached a copy of my credit report and have indicated on page 3 where there is no mortgage late reported.
Because the loan was charged off seven years ago, and I have paid as agreed since our XX/XX/XXXX agreement, I am requesting that State Farm remove all the derogatory credit reporting they have filed on my credit report.
Consumer complaint received 2015-09-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2015 I contacted Capital One Fraud Dept regarding my stolen funds {$68000.00} plus interest loss at least {$1300.00} and my time {$200.00} per hour to collect my loss. I told the Rep XXXX that based on the terms and conditions, the funds can not be releasd to the preson who was NOT the signer on the account. Also the terms and conditions never listed Guardianship. I can not get any assistance from the Rep XXXX, therefore I ask his supervisor. I never received any contact within XXXX hours. On XXXX XXXX, 2015 I contacted the bank specialist via Chat. However I still can not get any assistance. I was notified by the specialist to sue Capital One the court in order to get my loss back. Her name is XXXX. She constantly use excuse that I need to log into my account when I was in secure online section. She also used " enjoy your day '' etc words to harass me. On XXXX XXXX, and XXXX XXXX, 2015 I visited local branch two times to express complaint to branch manager regading stolen funds. I have given federal court paper showing NO guardian to the branch manager on XXXX XXXX, 2015. I feel my personal information and my savings are extremely unsafe at this bank. Since XXXX 2015 I filed my complaint, it 's been more than XXXX months I can not get my stolen funds back. I am asking if the bank continue to bring me financial loss and harm, I have no choice but to take them to the court.
Consumer complaint received 2023-02-14
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (NY)

After repeated marketing offers to upgrade my American Express Green Card to a Platinum Card, I finally accepted though an online process. This was on or about XX/XX/2023. The Platinum card was approved and delivered to my home. I have attached a photo of the card. Since I was now going to use the upgraded card, I contacted American Express and instructed them to cancel my Business Green card and refund me the annual fee I had recently paid. I was told that I had exceeded the 30-day window to get a refund on the Green Card . I was now looking at a combined fee of {$790.00} for two American Express cards, I instructed the company to cancel the Platinum Card and reinstate the original Green Card. On or about XXXX XXXX XXXXXXXX I contacted American Express again and asked them to reconsider charging me the full {$690.00} fee for the Platinum Card considering I had already paid {$95.00} for the Green Card. On this call, the customer service agent said they could offer me a {$50.00} courtesy credit or return me a {$79.00} prorated share of the cancelled Green card. ( I was told this was not possible in an earlier call. ) I gratefully accepted the prorated offer and instructed American Express to reinstate the previously issued Platinum Card. Unbeknownst to me, my credit score was now adversely affected because I had recently cancelled two credit cards. This result was not made clear to me by the company. American Express has denied reinstatement of the Platinum Card twice citing : " A serious delinquency on one or more of your accounts '', " The time since your latest reported delinquency is to recent or unknown '', " There are too few accounts currently paid as agreed '', " The ratio of loan balances and loan amounts is too high. '' ( letters attached ). I have closely examined my finances and have not found any delinquencies or accounts not " currently paid as agreed. '' In my opinion, this is a breakdown in American Express internal systems. I have been entrapped by a series of company procedures and computer algorithms that have deeply impacted my credit scores in a serious and harmful manner. I have had repeated contact with American Express. They have told me multiple times that they will not reinstate any of the cards and are unable or unwilling to correct any misconceptions with credit agencies. I have requested that American Express review my communications and acknowledge the systemic vulnerabilities that have devastated my credit score and besmirched my reputation. Their last stated position is " we are unable to reinstate your credit card. '' Please help me.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-05-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (MA)

I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the XXXX XXXX payment was due and never heard back. Our monthly payment should be lowered.
Consumer complaint received 2023-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/2023, but no answer was received. These accounts must be validated XXXX XXXX  XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$44.00}
Consumer complaint received 2023-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

My information for Public service loan forgiveness was sent to Mohela from XXXX  XXXX XXXX and listed as processed on XX/XX/XXXX. I had already been certified for 117 payments by XXXX  XXXX back in XXXX, XXXX. 

My mohela payment tracker was not updated accurately. I was informed in late XXXX, XXXX that mohela had nothing from XXXX  XXXX and to resubmit forms, which I did by XX/XX/XXXX. I was promised 90 days to process. In XXXX, XXXX, my PSLF forms were listed as processed but inaccurate payment tracker counts and missing dates ( XXXX, XXXX through XXXX, XXXX completely missing ). Also missing over 2 years of payments for which I submitted employment certification forms. By XXXX, XXXX, I had already called on 8 different occasions to obtain accurate updates. I was told on XX/XX/XXXX that an employment form was misread and instead of 24 months of certified employment, it was recorded as 1 month and for the wrong year. I was also told to wait as I had been told all the times previously for the payment tracker to be updated, that the same form I had submitted 5 months prior had to be re-processed. 

I submitted all the required paperwork and employment certification forms for over 120 payments ( of 156 eligible at this point ) but due to repeated, multiple mistakes on MOHELAs part, I am still waiting. My account is still inaccurate despite multiple calls to correct it. My forms should have been processed in the promised 90 business days back in XXXX, XXXX. I refuse to wait another 90 days every time Mohela miscounts the dates on my employment certification. 

If this was any other type of customer service, it would be appalling. I have submitted certified employment proof of at LEAST XXXX20 payments of 156 eligible payment periods. I should not have to wait beyond the promised 90 days, especially when the REPEATED and seemingly intentional mistakes are by Mohela. Every time I call, the re-processed form was somehow grossly misread, resulting in mohela telling me to just wait another 90 days.