davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (VA)

XXXX of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with Chase Bank from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. XXXX has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. Lis Pendens was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, XXXX ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

ATTENTION DISPUTE DEPARTMENT XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, FL XXXX FOCUS FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX for the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

Letter from XXXX in response to identity theft : XXXX XXXX XXXX XXXX XXXX, IN XXXX Number : XXXX XXXX XXXX, Thank you for contacting XXXX XXXX. It was my pleasure to have assisted you in completing your case. 

An Extended 7 Year Fraud Victim Statement has been added to your credit report as of XXXX/XXXX/2015. This alert will encourage creditors to contact you before approving new applications. 

It is also suggested you report your identity theft case to the Federal Trade Commission. You may contact the Federal Trade Commission by calling XXXX or obtain more information on their website at http XXXX 

I have also attached fraud dispute letters for you to submit to Equifax and XXXX. Please review, sign, and include your full Social Security Number and Date of Birth at the bottom of each letter, along with a copy of a Police Report. Including a copy of the Police Report with the dispute letters is highly encouraged and suggested. You may also include an Email Address so that the credit bureaus can send the results of your investigations directly by email. 

We recommend sending your correspondence certified, return receipt, but you may also send it by regular U.S. Postal Mail to : EQUIFAXXXXX Information ServicesXXXX XXXX XXXX, GA XXXX Victim AssistanceXXXX XXXX, PA XXXX followed this advice and sent the following letter to Equifax along with copy of police report : Equifax Credit Information ServicesXXXX XXXX, GA XXXX Whom It May Concern : This is a follow up letter to the phone call I placed to XXXX XXXX XXXX regarding the fraudulent activity that is listed on my credit report. 

Fraudulent Inquiry : XXXX XXXX/XXXX/2015 - This is not my inquiry. This inquiry was applied for fraudulently by someone using my personal information without my knowledge or authorization. I have already contacted this company to alert them of this fraud. Please remove this from my report. 

Once the fraudulent information has been deleted, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IN XXXX : XXXXXXXXXXXX : XXXXDOB : XXXX response to this was as follows : XXXX We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factualrecord of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditordirectly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX COMPLAINT : EQUIFAX DID NOT PROPERLY RESEARCH THIS INCIDENT OF IDENTITY THEFT AND DID NOT DELETE THIS FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$370.00}, Uplift Inc/XXXX  {$230.00} XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$11000.00} and XXXX XXXX Services {$4000.00}.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt Dear Jefferson Capital System, I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt. 

Please send me written verification of the debt, including the following : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice. 
4. A verification or copy of the judgment against me, if applicable.

5. The name and address of the original creditor, if different from the current creditor. 
Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature. 

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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)

XX/XX/scrub>XXXX XXXX  after speaking with an individual the 10 years repayment plan was set up. After one year or so, I spoke with someone at the Navient and they said my plan had been pushed back another year. Then recently talking to them and since I applied for the income based program that i no longer qualify for their program. This was this year unknowing that they were currently in a lawsuit with the government for deceptive loans practices. and yet this same thing occurred with me when XXXX XXXX serviced my student loans.
Consumer complaint received 2024-10-12
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. (CA)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : 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 XXXX 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 2015-08-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

file # XXXX chapter XXXX ... According to FCRA ... Transunion failed to provide proof and how they verified the above file # .. They claim it was verified.. According to the FCRA they just violated my right under the FCRA rule ... You ca n't just send a report to a dispute saying you verified information. They failed to validate and send proof of where they got the information from. I already checked with the court house they claim the credit bureau do not verify with them at all ... They need to provide this information otherwise this file # XXXX has to be deleted immediately from my credit report!!
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LendingPoint Holdings LLC (MT)

Quoting them, your first loan application, the data entry person hit the wrong key. I reapplied, the soft pull indicated that your credit report exceeded their pre-set limit of number allowed credit inquiries. No win circumstances. Next, it will be because of XXXX. XXXX ca n't win.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (MI)

Numbers on final LOAN ESTIMATE ( for property taxes in particular ) went up by more than 50 % from original LOAN ESTIMATION when we decided to proceed. New LOAN ESTIMATE added over $ XXXX to estimated monthly costs ( a rise of over 50 % ) and put the house out of any price range and budget my wife and I would have been comfortable with. We do n't know what recourse we have for such drastic changes, including stepping away from the home purchase, but do n't want to be held liable. We are now stuck between moving forward and buying a home WE KNOW WE CA N'T AFFORD or backing out and losing all our payments so far and risk a lawsuit from the Seller. Loan is with Quicken Loans. Taxes are with XXXX XXXX, Michigan.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Other fee — 
Company: Atlanticus Services Corporation (LA)

In XXXX of XXXX I received a pre-approved credit card from Salute credit company. I did not have credit and figure this would help build it. I used the card and withing a few months they closed the account. I paid on time and never went over my balance. It is now XXXX and I am still paying on it. I have paid almost XXXX what I owe. This card is a scam. My balance is not changing now. I believe they are charging me ridiculous fees that is causing my balance to stay they same but online I can not see these fees. They hide them from me. I can not even view my statements online. I have tried multiple times to contact the company but they have no phone number. I can only email them, which they never reply back. I do not want to pay on this card anymore but if I do not it will go on my credit. I need help contacting the company and getting the remaining balance canceled. I believe I owe them no more.
Consumer complaint received 2016-05-27
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (LA)

I am the co-signer on my daughter 's auto loan. She says that she is making payments although she may be slightly behind. I understand that it is affecting my credit if she is behind, but she has a decent job and she will make the payments. I just want the dozen or so calls I get per day to stop. I have no more information to give them.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My issue is with XXXXNavient. I have been dealing with them for 10 years now and am at the end. From deceptive practices, to late fees, to repayment fees, to outright lies it 's all there. I would like to be part of the lawsuit if possible. I am attaching all documentation I have including a detailed timeline and the latest letter that was sent requesting the release of my parents as cosigners. The latest issue is that I am in a repayment program with no paperwork, they refuse to change the due date on XXXX of my loans and keep charging me late fees although the program is set up for the payment to be direct debited on the XXXX of every month. Again I am attaching all detailed paperwork so you can better understand my situation.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my XXXX XXXX. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2017-03-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, we receive notice from Wells Fargo that we had to close all of our accounts in 35 days. We have no idea why. All they would say to us is that we are not beneficial. Wells Fargo purchased the bank that carried the original accounts. We had a question about the exorbitant fees charged for cash deposits. They set us up with a separate checking account for our cash deposits so that we could write a check to our business account without being charged fees. On a separate occasion, I had a meeting with two of the bankers ( I called them wolves ) who tried to frighten me into letting them invest some of my money into different areas. Needless to say, I left the bank very upset.. We had our flooring program through XXXX. Wells Fargo purchased XXXX. We received a letter dated XX/XX/XXXX that our flooring privileges were being terminated. We still can not find out why. We would like to know what we have done wrong. We still ca n't get an answer. If we have done something wrong, we 'd like to be able to correct it. All of our units were paid for on time, and we never had a problem when we were dealing with XXXX. After Wells Fargo took over XXXX, they did an audit of our books and the auditor found everything in order.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.