davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I graduated in XXXX from XXXX XXXX at XXXX with several student loans. I consolidated these in XXXX when I was at XXXX completing my XXXX fellowship. XXXX XXXX was assigned as my loan servicing company. I became aware of and was advised by XXXX XXXX that I would qualify for the " Public Service Loan Repayment Program. '' The representative from XXXX XXXX told me that I should restructure my payments and that after 120 total payments dated from the consolidation of my loans that my loans would be forgiven. They arranged a payment program that was to end in XX/XX/XXXX and that at that time I would be eligible to apply to have my loans forgiven. I was shockingly advised however by Navient this Monday that after all of these years of my paying them, that I am NOT eligible and that I would need to apply for another type of loan called a " Direct Loan '' to be eligible and that another 10 years of payments and service would be required to become eligible! This was shocking and I immediately requested speaking with a supervisor. I was told that none of the payments that I have made to date will count toward the Loan Forgiveness program as we had been told previously by XXXX XXXX. I am told there is no appeal process of any kind and that my only option is basically to start over. This is a financial blow to our family of enormous consequence. We have been planning our retirement, our children 's college education and my employment decisions around this program that I had been falsely assured I was eligible for. It is not appropriate for a company who has a financial gain to be giving misleading advice that they may benefit from while the individual doing the public service in good faith has no recourse. I found online that many other persons are experiencing this and that a lawsuit is apparently the only option for those of us who have experienced this shock. I have never sued anyone previously in my life and am writing as surely there must be some means of appeal and investigation. Please contact me at your earliest convenience to let me know what options may exist for our family.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Professional Debt Mediation, Inc. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AR)

Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I have sent 2 certified letters to Hunter Warfield asking for " Validation '' of the {$780.00} debt they claim I owe. They did not respond to the first letter I sent in XXXX XXXX. I then followed up with another certified letter on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter stating they had sent me verification and had no duty to send me any additional information again. 

I am sending another letter tomorrow, XXXX XXXX XXXX requesting the verification ; however, they are clearly in violation of the Fair Credit Reporting Act. I am asking them to DELETE the account immediately. This is NOT my debt and they can not prove that it is.
Consumer complaint received 2017-10-18
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: Granite Bay Acceptance Inc. (VA)

On XX/XX/XXXX17 I mailed a request to remove an unauthorized inquiry from my credit report to the company and they have failed to respond. I mailed the inquiry to the address in which they provided to the credit bureau that provided me with the report.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I applied for a secured card with Citibank, during the application process, I never supplied a security word, when I received my card and called to try to activate it, they asked me to validate my identity using this security word I never setup, then they said to provide them with a phone number linked to my name, I did just that and they still refused to give me access to my account, then they asked for a relative phone number, I provided that and again they told me it is an unverified number. I offered to provide my SSN, driver license, address, a list of relatives they can call to confirm who I am, but they refused so I asked to close my account and they said they can not and refuse to do so until the account gets verified, so they are pretty much stealing my money and telling me that I cant have it back.
Consumer complaint received 2020-09-03
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: Experian Information Solutions Inc. (IL)

The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, XXXX I accessed my bank account through the XXXX mobile app ( as I often do approximately XXXX times daily ). On the date in question I noticed my account showed several pending transactions and some posted. Additionally, I had a balance of over {$200.00} in my checking and over $ XXXX in my savings account. By the time I woke up the next morning I was overdrawn and charged {$34.00} for NSF. XXXX alleges I did not have enough money in my account to cover a recurring bill ( from XXXX ). 

On several occasions throughout the day on XXXX XXXX, XXXX, I saw the XXXX payment, in particular, and it showed " posted ''. I knew it was posted because the XXXX is blue for credit and gray for posted. Additionally, it did not say " pending '' in the left hand corner near the transaction. I asked XXXX why they did n't reject any transaction XXXX XXXX ) and they " conveniently '' stated the XXXX transaction is the transaction that put me into overdraft. I know for a fact they fixed the order of the transactions to make the XXXX transaction come in " last '' when in fact it was first on the list for that date. If they left it as " posted '' instead of being dubious and making it " pending '' AFTER they posted it, it would have triggered XXXX of my debit transactions being rejected at the POS requiring me to make a transfer which would n't have cost me a dime! 

I am requesting that my {$34.00} be put back into my account since XXXX has not provided written documentation, bearing my signature, that states I opted into overdraft protection. I have enough of my own money in the bank. I do n't need XXXX 's.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I have a conventional mortgage with Ocwen and I have allways paid my own taxes and insurance but about XXXX months ago the mortgage company added a very expensive insurance policy double what XXXX XXXX is charging me and I have sent countless doucments with proof of insurance even having my insurance agent contact Ocwen personally to no avail to this day they have n't completely removed the escrow account, every time I comply with what they need the company or their representatives ask for insurance dating back a year and a half ago but never asked for these documents untill a few months ago. I live in XXXX michigian and have had the home since XXXX and would hate to loose my home over a mistake that this mortgage company refuses to correct.
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I sent a complaint to chase XXXX handle Saturday in regards to them cancelling my card,due to fraud, and I explained to them that the nearest chase in 30 minutes away. I have XXXX XXXX kids. No car. I use XXXX so I need my card so the rep told me that she would have my card rushed. It is now Friday
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I 'm an independent contractor, a US citizen living in the US. I opened a Capital One 360 checking account on XXXX XXXX, XXXX. I deposited {$50.00} through XXXXl from another account then received payment from a company for contracted services through wire transfer, The company is based in XXXX. The name of the company is XXXX. XXXX XXXX XXXX they are a legitimate company that I have known for years. They sent 2 payments through wire transfer. The payments both cleared. The last one was sent XXXX XXXX, XXXX. Because I liked the service I had receive I had my daughter set up an account with them. I then sent her money to help her with rent and food. Then yesterday XXXX XXXX, XXXX I noticed the money I had sent her was back in my account. I called Capital One to find out why. They said they were unable to help me and transferred me to their security team. The security team said due to an internal audit that they are closing my account and due to security reasons they can not tell me why. They said the only way to get the money in my account was to have the originator of the funds to request it back. My daughters account is now over-drafted and I had to make a very embarrassing call to the company I 'm doing work for. The company does not know how to get the money because it 's a cleared wire transfer. I 've tried to call Capital One back and I only get customer service reps that ca n't help me and transfer me to an answering machine where I have left several messages and no one calls me back.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I took out money from a Bank of America ATM. Two days later I went take out money and my entire account was wiped out, which was about {$1300.00}. I put a claim in with my bank and they declined it because they had pic of me taking money out that night matched to a pic month earlier. I said OK but what about the 3 transactions after that? can I get a pic of those ones? they would n't give it to me and said I need to get a subpoena. I went down to my local branch and they gave me a copy of the photo and it was another man wearing a hat, dark glasses, mask over the mouth and even gloves ( see pic in the attached documents ). I went to the police straight away and put in a report. the police officer said this is quite common for someone to swipe your details. I have been trying to get in touch with the ACTUAL claims handler that decided to decline my claim, but no one ever called me back. I have tried about 4 times now.
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (DE)

I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end! 

I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for! 

I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!
Consumer complaint received 2017-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC (TX)

XXXX called me on XXXX @ XXXX, she asked for a man that was not me. I stated she had the wrong number and to please remove my number. She stated she was confused as the person had called from my number. I again told her she had the wrong number to please remove my phone number associated with the account she was calling on. She continued to tell me that her " lawyer '' gave her this number. I asked for her name told her not to call and hung up. She called again at XXXX. Once again I told her i just informed her to remove my number that this was the 2nd request. I hung up. She called again at XXXX and left a vm. Then she called my place of employment at XXXX. I told her i was recording the conversation and not to ever call my number again as I am not a party of the debt she is trying to collect. She stated I was not making payments and I explained I will never make payments as I do not owe them anything.
Consumer complaint received 2017-10-19
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: Experian Information Solutions Inc. (ME)

I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

Hello I am extremely concerned about a closure of my accounts from Chase. I am not sure if this is a mistake or some misunderstanding but I am very confused to what exactly is happening. On Friday XX/XX/XXXX I went to purchase XXXX medications for my parents and I was unable to make this purchase. I called chase and after 2 hours on the phone I was told that my accounts were closed due to some concerns the back-office had on their end. I was not called about this, I was not given any notification of the closure, nor was I told why this was happening. 

Let me state that I never ever missed a payment on any of my cards and paid these accounts in full. My credit report will show no delinquent payments ever on any of my cards. I was initially confused by the closure however I have reason to believe that Chase may have acted inappropriately and illegally in this manner. The week prior to the closure ( XX/XX/XXXX ) I informed chase that I would be buying gifts for friends and family for XXXX. I did my due diligence and informed Chase was informed of this uptick. Most of my spending was done at the local mall, XXXX, and XXXX XXXX XXXX  XXXX. Less than 6 days after this phone call all my accounts were closed. I had made no other contact with the bank, my purchases were in-line with my normal spend pattern, and chase had no reason to suspect any illegal/suspicious activity ( since I had told them what I was buying ). The only new information chase had at this time was my religious affiliation. 

I called up and down chase 's telephone tree and recieve no concrete response as to why. On XX/XX/XXXX I  called the compliance office and I was told by an individual named XXXX XXXX that " Chase is a multi-million dollar corporation and we dont make mistakes '' Wow! He refused to look into what happened and refused to transfer me to a supervisor. I learned today that this is the same department that went through with the closure. If this is the level of disdain an individual is working in the regulatory department at the bank, what guarantees does anyone have that laws have not been broken? I offered chase a criminal background check for work and offered to show ability to pay - however they refuse to change their decision or even conduct a proper review. Chase records these calls at all times. 

I do believe this is a violation of Equal Credit Opportunity Act. Let me also add that chase refuses to provide additional information into the closure - simply stating that they have the right to close an account at any time and do not have to provide a reason why. This doesnt hold true if laws are being broken. Let me also add that chase has been accused of predatory practices to minorities in the past as early as this year. https : XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA. 

A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 
I request that these debts are removed immediately as they do not belong to me. 

I contacted the credit bureau and there was no validation provided XXXX from Equifax, XXXX XXXX, 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
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Consumer complaint received 2017-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

My truck I worked very hard for was taken XXXX XXXX. It had a title loan on it. They took it and sold it. They claim I last paid XXXX XXXX. I did not even have the truck and filed a release of liability with the XXXX when it was illegally taken. They put the wrong date on my credit report to cause me problems. I did not pay on the truck as it was taken illegally. Please get them to put the correct date. When it was taken it was paid in full. XXXX XXXX did this and filed false criminal charges against me with XXXX.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return XXXX made me sign a XXXX Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made XXXX payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.