davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I get paid the XXXX and XXXX. XXXX XXXX for some reason takes time to process for direct deposit so I might receive possibly 3 paper checks before I can get the direct deposit. I received my check the XXXX of XXXX and deposited in my chase account the XXXX of XXXX. I was told that they would hold my check until the XXXX of XXXX but at the same time they restricted my account, on that day of the XXXX of XXXX when I saw that the funds were in my account thinking that they had removed the restrictions I tried paying all my backtracked bills but to find out the account was frozen. I called customer service to see if they could lift the restrictions but I was told that they couldnt verify the check and that if they werent able to do so within a time frame the money would go back to the state. On XX/XX/XXXX I had tried calling customer service to provide as much information as I could to help them verify it. I gave them the number to HR at the prison, gave the the number to the accounting manager of payroll and they couldnt call because their system couldnt verify the numbers. Theres really not any other numbers because I work for the government. Ive gone now one month without pay and in the verge of bankruptcy.
Consumer complaint received 2023-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

My loan servicer is EdFinancial. Earlier this year they changed from one system to a new one. After I followed the instructions to create an account in the new system and waited for the transfer to complete, I found my loan balances to be much higher than they were before. I'm now unable to access historical information on either the old system or the new. Statements are gone. Interest rate information is gone. I emailed them via their contact us form 3 times and only received a response once asking me to upload payment information. I did that and never heard back. I was finally able to get a phone number to reach them. The representative said she would open a ticket to get me copies of all my statements and request an account review to verify the payment totals. She also advised me that she saw nothing wrong with my account and I would have to prove that I made more payments via bank statements if I believed it was wrong. She said it would take up to two weeks for the statements and account review to be handled, and even insisted that point when I said I'd give them a month since they always take longer than they say. It's been over a month with no word from them whatsoever.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected or resolved right away. 
XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and TD Bank. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. 

This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.
Consumer complaint received 2023-08-27
Product: Credit card — Store credit 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: Conn's, Inc. (TX)

I made a purchase a Conn 's Home Plus in the amount of {$3200.00}. The order was canceled within 24 hours and no delivery of merchandise occured. As of XX/XX/2023 a pending charge is still active on my account. When I called Conn 's approximately 1 month later, I was told it can take more than 30 days to release the pending charge. I have also contacted the issuer of the credit card for the store, XXXX XXXX  and was told they can do nothing. I asked repeatedly ( via chat ) if XXXX allows the practice of merchants holding pending charges for this long and never received an answer. Even hotels release pending charges in a timely manner and I am not sure why it takes so long or why a merchant is permitted " months '' to release a pending charge. 

XXXX XXXX {$320000.00} Purchase on XX/XX/2023 XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (KS)

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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

This company opened an account in my name when I was incapacitated. This is the second time I have disputed this account and theyve failed to resolve and correct the invalid / Identity Theft account.
Consumer complaint received 2023-08-27
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) : # XXXX, ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX # XXXX has violated my rights.

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 2023-08-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have called numerous times to USAA regarding a check that was mailed out to me specifically... It was processed, approved, and cashed into an account that was NOT UNDER MY NAME. I have called multiple times per month, with no action taken whatsoever by the approving bank. This was a check regarding student college refunds for the amount of {$3100.00} and deposited on XX/XX/XXXX, again, to an account that was NOT MINE. I was not contacted by the check issuer, nor by USAA that this check was deposited. I was not aware of this check 's existence until XXXX of XXXX and have tried with the original issuer ( XXXX XXXX ), the school ( XXXX XXXX ), and USAA to get this resolved but I believe USAA is to be held responsible for the approval of a check into the incorrect bank account with researching beforehand. I was told I would be reached out from USAA regarding this issue. I have contacted USAA on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all of XXXX. Consistently asking for approval reason into the incorrect bank with no answer. USAA Has said no contact was attempted to reach me.
Consumer complaint received 2023-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

Currently have 2 private student loans, and I do not like the manner in which Navient tracks the payments. A couple of weeks ago, they began changing the payment amounts and which loans my payments were being applied to even though we have instructed them how to post the payment. We believe that issue is fixed, again, however today at XXXX XXXX. I went to validate my payment was posted ( as I validate all payments ) and was posted properly, when I noticed that payments were applied, yet the total overall loan balance did not reflect the payment. We have consistently struggled with Navient 's payment processing, but this is frustrating to make large payments every week, and see issues with the posting of these payments. 

On XX/XX/XXXXXXXX   there is a snapshot of the weekly loan payments of {$700.00}, as well as loan balance is {$31000.00}. Payment posted on XX/XX/XXXX. 
Today XX/XX/XXXXXXXX  there is a snapshot of the loan and loan payments, and you can see that payments were applied, but the loan balance never changed to reflect the payment until after XXXX XXXX. Payment posted on XX/XX/XXXX. Balance at XXXX XXXX. was {$30000.00}. Balance at XXXX XXXX was {$30000.00}. 

I knew the balance was incorrect since XXXX  {$700.00} payments were made since XX/XX/XXXX and because I follow these loans closer than I do anything else. Why are individual payments being posted, yet the overall loan balance does not reflect the payment? How many times a week are we expected to monitor and babysit these loan payments and how they are applied? Is this being done on purpose to keep payments coming in? Was going to call in to Navient to discuss, but didn't because its always the same old scripted response. Its so frustrating.
Consumer complaint received 2023-08-25
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. (GA)

I reviewed my consumer Reports and noticed I had 16 late payments on an account that I was never late for Consumer Reporting agencies have assured a vital role and have responsibility to report consumer information to their best ability with maximum accuracy I have never been late on payments for the account XXXX XXXX XXXX Account Number ( XXXX ). Please investigate and provide proof with statements showing these payment were late. If proof can't be provided I demand these payments be updated to be on time or NEVER late. Thanks
Consumer complaint received 2023-08-25
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. (AL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Once again XXXX us reporting inaccurate information about this same lender Citi ( CBNA ). 
I am submitting the information fron the lender statement about my account as well XXXX credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. 
This is an on going scenario with XXXX and as a result i have lost a number of credit opporunities due to this. 
It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX and Equifax needs to remove all negative remarks on my credit report. They have violated too many times. 
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you verbally, written or non verbally per 15 usc 1602, 16 CFR 313, and Privacy act of 1974. Remove all negative reports on my credit report immediately.

Charge off is certificate of indebtedness and must be removed. CFPB has to enforce this act. I will need to be compensated for this which is {$1000.00} per violation as I have requested this to be removed in the past from credit report and still showing on there and I have been affected emotionally because of the stress this has caused me being denied for loans which I shall be compensated for as well.
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approximately XXXX weeks ago, I was traveling out of town on the weekend. I tried to use my Bank of America XXXX credit card. The charges were declined. I have had this card at least XXXX years. I tried my Bank of America XXXX XXXX Card and it was also declined. The merchant called the Bank of America and I personally talked to someone and was told that I had closed my accounts. However, when I insisted that I had not closed these accounts, I was told that there is " something '' wrong with my citizenship and country of origin. During the next XXXX days, I spoke to XXXX different people at Bank of America, was put on hold for prolonged periods of time and transferred to multiple people and no one would give me straight and truthful answerbabout why my accounts were closed. Finally, the matter was resolved and my accounts were reopened but only after I insisted on talking to a supervisor. I was told that the federal government requires proof of citizenship in order to continue my credit card services. I have had these credit cards since 2005. I have never had to provide proof of citizenship. 
Clearly, Bank of America is racially profiling me because of my last name and country of origin. My wife and XXXX, who are also on this account, with different last names, were never asked to provide proof of citizenship. I have other credit cards from other banks, which I have had for XXXX years, and I have never been asked for proof of citizenship. In addition, none of my colleagues or friends or spouse have ever been asked for proof of citizenship to open or MAINTAIN a credit card account. 
Clearly, Bank of America is XXXX profiling me!
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

Hello, I bought my house in XXXX XXXX. My initial mortgage payment was {$510.00}, which I paid for the year. In XXXX XXXX, I received a notice from my mortgage company that my mortgage payment leapt to {$640.00} per month ( apparently due to an escrow shortage. ) After numerous phone calls, I discovered that my mortgage company had charged me {$0.00} for the first year 's property taxes. 

This is extremely frustrating for me as I would n't have bought this house had I known that the mortgage payments would be so much higher than what I agreed to when I signed for my mortgage. 

Thank you, XXXX
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

My checking account with JP Morgan Chase Bank has received {$30000.00} wire transfer on XX/XX/2023. Then the sender accidentally disputed that wire transfer with his bank, XXXX XXXX, on XX/XX/2023. According to him, he realized that he disputed the wrong WIRE transfer and he cancelled his recall request on XX/XX/2023 and XXXX XXXX ( his bank ) closed the case. However, my bank, JP Morgan Chase, out of nothing, restricted my account on XX/XX/2023 due to this WIRE dispute and set closure. JP Morgan Chase Bank wrongfully restricted and closed my account on XX/XX/2023. XXXX XXXX even sent a second message on XX/XX/2023, saying that the WIRE transfer was approved, legitimate and not a fraud. XXXX XXXX basially cancelled their recall, again, on XX/XX/2023. 

JP Morgan Chase bank has returned the remaining balance in my account as cashier check on XX/XX/2023 but they are still holding {$30000.00} and giving me no update, nothing. 

As a matter of fact, I couldn't pay my bill due to sudden account restriction and paid penalty fees all over.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery recently has been calling me and mailing letters to my mothers address regarding a debt from XXXX XXXX. I reached out to this company via email on multi0le occasions furnishing them with a FTC letter pertaining to this fraudulent account. They have ignored the information given and continued to harass me with multiple daily phone calls and letters mailed to an address I have not used in over 25 years.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system.
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

I received notice of an account with XXXX XXXX  in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the summer of XXXX. This was first statement and it was months past due. I have 1 XXXX account with Mobile and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.
Consumer complaint received 2023-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (KS)

This company is continuing to add a collection to my credit reports erroneously. I have never had this debt never received a bill. Every 2 years I dispute it from Harvard collection who bought it from XXXX XXXX XXXX XXXX  and they take it off and put it back on. I have not lived in Illinois for 20 years. This debt should have been charged off by now its too old. When I first heard of it was in XXXX and stated it was wrong now Im hearing about it again in XXXX. XXXX XXXX why are you harassing me it should have been charged off a long time ago and definitely not still on my credit report. Stop it!!!!