davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (IN)

I made my XX/XX/XXXX payment to XXXX in XXXX and then receive a servicing transfer letter dated XX/XX/20 stating that XXXX will no longer be accepting my payments and to make payments to Ally. 
My concern is two fold, my XXXX payment was made prior to XXXX and XXXX, I understand the servicing transfer letter is to be issued 60 days before transferring to new lender, not 10 days after payment is due. They say I'm late and I actually pay early. 
Is Ally exempt from this law? 
What can be done to prevent this to others going forward?
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (NC)

I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
Consumer complaint received 2019-03-27
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: EQUIFAX, INC. (MA)

I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018
Consumer complaint received 2020-10-08
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: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX  are reporting inquires I do not recognize. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX   XXXX
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

I was charged by someone using my phone when it was lost to send money via XXXX and XXXX XXXX to un-authorized transactions, linked to my Chime checking account. I presented to them in a very timely manner within the same day of it happening, they provided me a provisional credit. They came back a few weeks later with a report saying they are denying my claim and that I ower them XXXX dollars now. I was disgusted that they could do this to me during a pandemic, and of course, I don't have any other " proof '' to provide to them to support this claim. Anyways though, it was fraudulant and now I am doing my best to format a complaint about this.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX   XXXX {$3700.00} XXXX   XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} COLLECTIONS XXXX {$420.00} COLLECTIONS XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}
Consumer complaint received 2019-03-27
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: Dyck-O'Neal, Inc. (FL)

I have lodged disputes with DYCK O'Neal with the belief it has reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XXXX XXXX have also asked for assistance from each of the credit bureaus to resolve this issue beginning in XX/XX/XXXX. I followed up with additional disputes XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (WA)

XX/XX/19 - Tried to obtain the balance and transaction history on the website XXXX of two different prepaid Visa cards given from an employer, one of which had no balance but also no transaction history. The company was phoned and they advised they were unable to assist without the original load amount, which this information is not available due to the length of time past since the card was given ( over 12 months ).

After this I contact US Bank as the cards are backed by them, they transferred me to their internal gift card automated line. They card number did not register and I called the customer service line again. I was informed that if I went to a branch with ID that I would be able to obtain the information.

I then went to a US Bank branch and an employer tried to assist by contacting the card company again, but was given similar information. Though she was advised that the card did not actually have a XXXX balance and that the card was not activated correctly. 

After this the employer was contacted and advised that the cards are paid for in cash and that no history is kept of the purchases, meaning that they could not provide the original card amount. 

It seems unethical that the company will not provide information for an alternative way to verify the account history even when speaking with a bank representative.
Consumer complaint received 2018-01-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Within the past few weeks, I have sent two separate letters to Portfolio Recovery Associates asking them to validate a collection they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of this account supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. 

Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. 

I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. 

Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. 

I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. 

The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. 

Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi my name is XXXX XXXX and I am writing because I have a 30 days late payment on my credit report. I spoke to capital one about it and I didn't know that my payment was returned on XX/XX/XXXX. I was not notified and I have always been a value customer paying my bills on time. The late payment hit my credit report and know my credit score is affected severely. I need help please if you can please forgive me and give me one more chance I promise I will not mess up. Im only XXXX and still young and I know i slipped up once but I won't again I don't want to suffer for 7 years. Also a Representative said he disputed it. I hope you read this and help me. Thank You.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (DC)

The Honorable XXXX XXXX Deputy Director, Consumer Financial Protection Bureau XX/XX/XXXX XX/XX/XXXXDear Deputy Director XXXX : This is a complaint about the failure of two national banks, XXXX XXXX XXXX and SunTrust, failing to properly audit an ATM machine to resolve a discrepancy in the amount disbursed to me when the ATM malfunctioned on XX/XX/XXXX. 

I am XXXX years old, and a checking account holder at the XXXX, XXXX branch of SunTrust. However, as a matter of convenience, I initiated an ATM withdrawal of {$300.00} at a XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Once I initiated the transaction, the ATM mechanism designed for disbursing the currency mangled all the {$20.00} bills, except one, keeping {$280.00} of the cash proceeds for which my SunTrust account was debited. I was able to see the mangled bills in the ATM mechanism but could not do anything to resolve the dilemma. I espied a XXXX XXXX XXXX employee inside the bank premises and went in and implored her to assist me before another ATM patron initiated a transaction of withdrawals and thereby might receive the balance of my funds. 
The XXXX  XXXX XXXX employee scoffed at my request for help, advising me that ATM transactions are beyond the authority of their duties at XXXX XXXX XXXX. I knew this to be untrue because I have witnessed bank employees retrieve electronic debit and credit cards from ATM machines when the ATM has mistakenly confiscated a patrons card. 
So, I became more insistent that someone help me because I believed that since the cash proceeds had been delivered to the mechanism for disbursement, my account would be charged although I had been deprived of the full amount of the authorized withdrawal. 
The refusal to help me escalated to another unprovoked level when the XXXX XXXX XXXX employee beckoned security ( a XXXX government police officer moonlighting ). I was assailed by the security agent who, like me is XXXX. From there the development of events went beyond anything that can be described as rational or reasonable. 
Both XXXX XXXX XXXX and my bank, SunTrust, have denied my claims for an honest audit that would, if honest, reconcile the amount ( {$280.00} ) of cash proceeds that I did not receive from the XXXX XXXX XXXX ATM onXX/XX/XXXX 
This complaint is made to enforce my rights to having this matter conciliated in a manner that reflects the chronological developments which can be documented by the digital and visually recorded data contained within the XXXX XXXX XXXX repositories used for safekeeping records of digital surveillance and financial transactions at the ATM, all of which validate my claim.
Consumer complaint received 2019-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX called and left a voicemail message on my cell phone XX/XX/19 threatening to come to my job with legal documents, it was a very threatening message, the woman stated that I should " clear my calendar, I would be seeing her soon '' this is a very old card, it is time barred from any legal action. The callback number for the company is XXXX. I attached a WAV recording of the VM message I received.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Earlier this week, I filed a complaint with the CFPB about Chase Bank not allowing me to make a claim regarding fraudulent charges on my account. Yesterday, I happily discovered that the bank had reversed my charges. I was unable, however, to transfer any of my funds. When I called the Bank today, I learned that my account was restricted and was in the process of being closed. No reason was given. I am currently on XXXX and not only do I desperately need these funds for medication ASAP, but I also have my Social Security check being direct deposited on XX/XX/2019 and it is now too late to change that information. Further, I learned that it might take another week to actually close my account and after that occurred, I would be mailed a check. I am obviously being punished for whistleblowing which is illegal. This is causing a major crisis for me!! Please help ASAP!
Consumer complaint received 2021-12-21
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

Citi Bank Credit Cards accepted and cashed a check from XXXX XXXX for {$7700.00} on XX/XX/XXXX and still has not applied the payment to my account. This has forced me to make additional payments on the account and incur interest charges and they refuse to quickly fix this issue and have blatantly lied that they see the payment in a processed stated on my account. They said that they would open up an internal investigation but again nothing was heard from them on this issue, the second payment cycle is coming up and the still refuse to do anything about this issue.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (VA)

Regularly, I receive solicitations from Wells Fargo that I neither want, nor need. I have closed every account with the institution and still get mail on a regular basis. I would like my information removed from the privacy systems for all lines of business with the company. I no longer want to receive any information about checking or savings accounts, credit cards, mortgage loans or other products.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Made about {$10000.00} in payments for a {$25000.00} loan consolidation with XXXX XXXX/Navient. The amount owed climbed to over {$32000.00} even though I was paying. Offered forebearances multiple times due to financial problems and they never told that they were basically re-lending money over and over with compounded interest. Their representatives lied on the phone and described the forebearance as just a postponement of the payments and intentionally omitted vital information about the fact that they were just re-lending money PLUS interest PLUS interest ON the interest. When I asked to have the call recordings pulled to prove their representatives lied to me, they said the recordings were gone. After I disputed this with Navient, they sold my loan to a collections agency and now the amount they say I owe exceeds {$40000.00}. They never got a signature from me agreeing to that and I have been fighting with them for years over this. They tell me I agreed to the terms but I did NOT. I agreed, BY PHONE, to the lies their employees told me.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank XXXX doesnt get tired of me they closed all my accounts credit cards for no reason they are horible with me hang up one me their credir department is very rude this bank has to be investigated and shut down because if I apply for a card and they approve me they immediately will close all my accounts because of new accounts which makes no Sense since Ive had most of them for a while they hate me and I hate them they dont like me discriminate against me refuse to help I hate this bank go get them shut down invesitgated for what they do is illegal
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (PA)

I dispute this item ; Tek Collect on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact XXXX  the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My loan was transferred over to XXXX XXXX In XX/XX/XXXX as the result of me filling out paperwork regarding student loan forgiveness for being a XXXX XXXX. Prior to this transfer and after this transfer I was making additional payment towards my loans above what was due monthly. These payments were applied towards future payments and each month I would receive a statement that no payment was due. I eventually stopped making these additional payments and continued to receive statements that no payment was due. Around XXXX of XXXX I received a statement indicating that a payment was due and that all of the payment would be applied to outstanding interest. Subsequent statements after this indicated the same. When I contacted XXXX XXXX they indicated interest was accumulating the entire time and that I would have had to have made payments each month to cover that interest to avoid this. The company did send me a payment history that indicated each payment received a part of it was being applied towards principal and part of it was being applied toward interest so it didnt help explain why interest would still be do. 

The underlying issue is the statements received during XXXX through XXXX never indicated payment was due during that time and made no mention that interest would continue to accrue and payment would need to be made to avoid this. The way the servicer applied my payments and issued statements was an unfair and deceptive act and practice as the statements should have indicated interest was accruing and a payment should have been in fact due to keep the loan current. This ultimately has made my loan cost significantly more in interest that it should have causing harm to me.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my bank accounts in XX/XX/2019. The problem is that all of my online account access has been cut off. I have credit cards and a car lease that I need to manage online and chase has blocked ALL online accounts, not just the bank accounts. This is a HUGE problem now because I can not access my accounts! I dont care about the closed bank accounts, I just need to access my credit cards and car lease accounts online! When I called chase on XX/XX/XXXX, all I was told was account access is restricted and that they could do absolutely nothing to help me access my various other accounts online. When I asked what I am supposed to do now to manage those accounts, the response was sorry I can not give you that information.