davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Student loan — Private student loan
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: Navient Solutions, LLC. (VA)

For years my daughter has been making payments on a private student loan as well as federal student loans. When the class action settlement " forgave '' her responsibility for the private student loan, she intended to continue making payments due to me being a cosigner and the settlement did not erase my responsibility because I was not part of the class action. I began to receive delinquency letters and my daughter checked with Navient who verbally told her everything was up to date, probably a situation where there was a cross of communication. Finally, I called Navient myself to clear up the confusion and find out what was due and when. I was told the next payment was " due to be debited from my daughter 's checking on XXXX '' as had been for several years. That very afternoon, I received a notification from a credit monitoring service that I had been reported to the credit bureaus as " XXXX  days delinquent. '' After talking with someone named XXXX, a " tier XXXX employee, '' at Navient, I immediately paid the past due amount. Today I received a reminder from Navient that I had a payment due, even though we were told it would be debited on XXXX. Obviously, the issue is still not settled! I reached out to Navient in good faith and received conflicting information and I was penalized with a negative credit report. Please see the attached timeline and documents for specifics. I am requesting Navient redact the negative information they sent to the credit bureaus because the confusion was not of my making. I acted in good faith!
Consumer complaint received 2023-09-13
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. (TN)

To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
SSN : XXXX Address : Your XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (MO)

Per XXXX credit report payments were made on the Sallie Mae loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

Sallie Mae reported the accounts delinquent for XX/XX/XXXX days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been receiving harassing phone calls from Capital One Auto Finance up to three times a day, and they leave messages violating the 7-in-7 rule, where a creditor must not contact the person who owes them money more than seven times within a seven-day period. I spoke with a rep on XX/XX/XXXX and agreed to make a payment. I made the arrangement to for a payment to be made on XX/XX/XXXX, on today XX/XX/XXXX I have received 3 calls and two voicemails about the same account with the arrangement. 
I called to find out why they are harassing me with these robocalls from their dialer system. I spoke to an offshore rep who was clueless and transferred to a resolution specialist named XXXX ( Agent ID : XXXX, date XX/XX/XXXX ). started at XXXX XXXX EST and have been on hold for 1 hour and 27 minutes waiting to speak with a supervisor before I terminated the call. She never came back on the line to let me know about the wait time.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (AZ)

I got an email from XXXX about possible fraud on XX/XX/2023 and I promptly contacted XXXX and determined it was fraud and was not charged by me and by a company that I haven't heard of before then. The person with XXXX was helpful and I was told my credit card would be cancelled and a new card mailed to me along with a fraud letter. On XX/XX/2023 the unauthorized charges were added onto my balance which would also result in interest on the fraud charges.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I made a payment on XX/XX/XXXX of {$14000.00}. The money was received by them and taken out of my XXXX XXXX  account on XX/XX/XXXX. As of now, they have been holding my money and will not apply it to my available credit. Basically they are holding my money XXXX because I made such a large payment. How can they hold my money when they have it? The payment even shows up on my synchrony account as posted, but it isnt posted. They refuse to release my available credit until they feel like it, I was told it could be up to XX/XX/XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! I got denied a house due to information on my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DC)

Dear CFPB, I am disappointed with Chase 's handling of my fraud claim. On my XX/XX/2023, my device was stolen and someone had accessed my personal information, XXXX keychain passwords, including my debit card number and made a fraudulent transaction at XXXX  for {$150.00}. I have promptly notified Chase within the same day that my device was stolen and my Chase online banking profile was secured and a new debit card was reissued. On XX/XX/2023, Chase has concluded my claim stating that the transaction was indeed authorized. [ Letter from Chase Attached ] Chase 's decision was made based on the merchant 's information, XXXX The merchant, XXXX, were able to base their finding on " no change of registered email address or passcode, before or at the time of the reported transactions '' [ Letter from XXXX Attached ]. This is in fact true, as my device was stolen and all of my passwords were saved on the XXXX keychain. Therefore, the perpetrator had access to that information and was able to make those fraudulent charges. 

I am disappointed from Chase because their Deposit Account Agreement and Privacy Notice under Special Provisions for Card Transactions ( Zero Liability Protection ) clearly states that " you are not liable for any unauthorized card transactions if you notify us promptly. '' [ Deposit Agreement Attached ].

I have a direct deposit relationship with Chase for about 5 years now and this is my first claim with them. I am very unsatisfied and have lost faint in them.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding their decision to cancel my repayment card option, which has had a detrimental impact on my credit score. This matter is of grave concern to me, and I seek your assistance in addressing it. 

I have been a dedicated Wells Fargo customer for an extended period, relying on the convenience and reliability of the repayment card to manage my financial obligations efficiently. However, without any prior notice, Wells Fargo abruptly terminated this vital service. As a result, my credit score has suffered significantly, leading to various financial hardships. 

I have attempted to resolve this issue directly with Wells Fargo, but my efforts have been met with inadequate responses and delays. I believe that this situation warrants your intervention to ensure that my concerns are addressed appropriately. 

I kindly request that the CFPB investigates this matter thoroughly and takes necessary actions to rectify the situation. Wells Fargo should be held accountable for the adverse consequences this decision has had on my financial well-being. 

I have attached supporting documentation, including records of my attempts to resolve this matter with Wells Fargo. Please do not hesitate to contact me if any further information is required. 

I appreciate your prompt attention to this complaint and look forward to a resolution that restores my financial stability and holds Wells Fargo accountable for their actions. 

Sincerely, XXXX
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

Hello I deposited two checks from my boss to my Chase bank account- {$550.00} on XX/XX/2023 & {$420.00} on XX/XX/2023 Chase bank never gave me my checks and closed my account and kept my money Chase was unable to verify the check even though these are real checks My boss XXXX XXXX went into Chase Bank XXXX XXXX on assembly row and spoke to the manager XXXX XXXX XXXX showed his ID and information to prove that the check was real and Chase bank didnt accept it because they dont have XXXX  phone number in their system but the phone number they have is the wrong one.
Consumer complaint received 2023-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

I never missed a payment for about 12 years or so and all of a sudden I got a message that I missed a payment. I called to find out why they had this record and they gave me a long explanation that my payments over that last couple of years was short because of escrow increases. I had no knowledge of such and told them exactly that. They said too bad and I would have to make up the payment. ( over {$3000.00} ) The also told me that they were holding my money in a separate account until the next payment I made covered the amount of the payment missed. They then kept the additional money in that added account. I told them I would catch up the account over the next 4 months and they said they were ok with that. Over a couple of years my money was kept in an account separate from my mortgage and it gave me no interest or availability to the account. It was in essence their money. Then they started charging me a late fee each month until the account was caught up, which they said they would not do. It was a stressful time during and past covid when my business was essentially shut down. Late payment fees and hidden accounts I did not have any knowledge of. Sounds just like Wells Fargo. I'm sure there were thousands of these accounts that Wells Fargo was holding peoples money for their own interest and not the consumer. Thanks for your understanding!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 ExperianXXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX After reviewing a credit report issued by you Experian I have found many errors. 

Specifically, these errors are in the Personal Informationsection. I am seriously concerned about identity fraud and feel that havinginaccurate information on any credit report can become an opportunity to open meup to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The inaccurate information, as explained in red on the copyenclosed The following address are wrong and I have never been associated with them : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Please accept my proof of identity and address in the form of the enclosed documents so that I may have a completely accurate credit report.

Please delete these disputed items. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 


Thank you, XXXX XXXX Enclosed : copy of drivers license, and recent original utility bill
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2023-09-12
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account Number:XXXX has violated my rights. Or a 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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I opened a new account at XXXX XXXX. I deposited a check from my Chase account, for the full balance of the Chase account, into my new XXXX XXXX account. I looked online next day and both banks acknowledged the check deposit. The following day I informed Chase that I will be closing my account. Out of spite from losing my business, they failed to honor the check even though the money was in the account. They are trying to make me unbankable, as XXXX XXXX closed the account due to the bounced check.
Consumer complaint received 2023-09-11
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to Experian, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX  account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.