davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Good Morning : My name is XXXX XXXX. On XX/XX/2020 I went into my Chase Amazon Prime Credit Card account to set up payment arrangements due to me falling ill and being in treatment for over 3 months. As this caused a serious financial strain on me and I was awaiting my XXXX XXXX XXXX benefits when the account was closed on me and I had not received any notice of this action. Upon accepting the payment plan options offered on their website, I had agreed to the payment plan they suggested via their website in the amount of {$100.00} dollars for the next three months.The first of these payments was made on XX/XX/2020. Please see attached screen shots of this agreement. Then on the morning of XX/XX/XXXX we had an automatic payment transaction in the amount of {$1800.00} taken from our XXXX  checking account from Chase bank. 

I called my bank XXXX  to place a stop request and they said all they could do was put an alert and file a complaint on my behalf and they recommended that I call Chase. 

As per what my bank XXXX  recommended ; I called Chase and asked them why they did a full balance automatic payment when I had entered into a payment plan with them earlier in the month. Chase answered me by transferring me to a supervisor. The Supervisor said that because my Acct had been closed that I would have to wait till transaction cleared and call back on XX/XX/XXXX. I asked again then what about my payment plan of {$100.00}? Chase 's reply was that they could call my bank but due to the current pandemic situation they could not do that right now. They also said that my automatic payment was ON and selected as PAY BALANCE IN FULL and even though I had entered into a payment arrangement thats why it happened. 

Please see the included pictures and I ask that someone assist me with this. Iam now seriously negative in my bank account, incurring fees and all my other payments will either be paid and also incur bank fees and Chase was the culprit. 

I have no money, no way to buy anything in this horrible sitution we are all living in right now. 

My Chase Credit Card account is/was : XXXX XXXX XXXX XXXX exp : XX/XX/XXXX I finally request for your prompt assistance in this horrible financial situation. 

Thank you for your efforts in advance.
Consumer complaint received 2020-04-30
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC. (TX)

I applied to have my cosignor released XX/XX/15. My credit score is XXXX and I have the income and debt ratio to sustain the loan without the cosignor. I can not get a straight answer from Navient. Each time I call and talk to a different person, I get a different answer. All of my payments have been on time.
Consumer complaint received 2020-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this XXXX!
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (FL)

In accordance to 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. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I have open an account with Conn 's and has set up auto payment. The account has been paid for and I chat with Conn 's customer service on XX/XX/2020. He assured me that it was wrong and has submit for closed account and all negative make on my credit report will be delete. However it still showed that my account is open and I am late on payment. I called again on XX/XX/2020 and got my case to escalate to revolved and provided me with ticket number. The representative said someone will call me back within 5 days to resolve the problem. Still no called and my credit report showed that I was 90 days late on account.
Consumer complaint received 2020-05-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent four certified letters to XXXX  - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX  starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX  is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (VA)

We have a line of credit with Wells Fargo to finance a home improvement. The line of credit was set up interest free as long as we made the min payment. Wells Fargo set up the account and the min payment amount and when doing so we were told that the min payment amount was set to ensure timely payment of the entire debt. Our outstanding balance at the end of XX/XX/2020 was just over {$14000.00}. In XXXX XXXX added almost {$10000.00} in interest payments to the account. When we followed up with XXXX they said that the line of credit was interest free for only 15 months and if we didn't pay in full by the end of the 15 month period then we were subjected to back interest. Not only was this not what we were told when the account was opened there was no notice in the XXXX statement that this interest payment was going to happen in XXXX. We are disputing this with XXXX but getting the run around. In the mean time they are still charging us interest on not only the original balance but the $ XXXX in interest charges as well.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

Dear Sir/Madam Mortgage Account Number : XXXX ( missing info will be provided ) Mortgage Service Firm : LoanCare , LLC XXXX XXXX XXXX XXXX  XXXX , VA XXXX ( XXXX ) XXXX My house mortgage is owned by XXXX XXXX and serviced by LoanCare , LLC XXXX I am currently unemployed and not in a position to pay the mortgage due to Covid-19 related business issues. 

On XX/XX/XXXX I have tried to contact LoanCare , LLC using their phone number XXXX and XXXX but unable to contact anybody. As directed by the automated system, I have gone to their website and applied for mortgage forbearance. As per their confirmation of receipt of my application, they did not contact my within 3 days and I am not sure how to contact them. 

I am requesting CFPB to interfere in the matter and contact Loancare , LLC to resolve the matter for me. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-11
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: LEXISNEXIS (IL)

I requested validation and verification of a bankruptcy with LexisNexis, that has been reporting to the XXXX and XXXX  credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if Lexis Nexis verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Consumer complaint received 2020-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

I was laid off work, due to Washington state mandatory office closure for the corona virus, on Wed XX/XX/XXXX. On Thursday XX/XX/XXXX, from AES, I received an autmated email stating to go to StudentAid.gov and apply for Income Based Repayment plan, which I did. It also stated if I have any questions, several ways were listed on how to contact them. I tried them all. I went to the app and tried using online tools to defer, but a pop up stated it was unavailable and needed to call. I called, and the message said the office was shut down, no way to leave a message. I tried their website, also ran into the same issues. I tried to email, but a pop up stated it was also not available. ( AES does not have an email address listed, you have to email them through their app or website ). I tried live chat, it stated no one was available. Finally I went to their social media site, and saw that I was not alone. Hundreds of comments were showing that they too could not get a hold of AES, and were getting no responses. I left a comment, and was told to message them through XXXX XXXX. On XXXX, I was told " I reached out to my team to assist in requesting a deferral on payments in response to the corona virus directly impacting you. ", and " I'll keep tabs on your request to see when our team is able to reach this '', and " Still available on Social! ... .Message here if you need anything. '' Fri XX/XX/XXXX, I checked up via XXXX XXXX  to see if they recieved/reviewd my application, since I had to file for deferment for my other student loan ( XXXX ) through the same website, and wanted to make sure it was done correctly ( There was no place to specify what loans I was applying for deferment, I am assuming because it addressed all. Yet from XXXX, I got quick responses same day and follow up emails and calls answered in under 10 minutes. My deferment was just approved yesterday with XXXX. ). From AES-No replies AT ALL. I tried again XX/XX/XXXX Sunday, on Monday, and Tuesday. No replies. I can see that my messages were " read '' by AES, but no one is responding!!! Then I was billed my full amount, debited right from my Checking account yesterday. I again tried all the ways to contact them listed above, and finally an email was able to be sent, I received an auto reply saying my Deferment question was received, and they'll get back to me asap. I am very frustrated at this point. I have no income at the moment and they are not helping me during these financially difficult times. I have been a customer of AES since 2005, never missed a payment, and have even paid extra on occasion. I am very upset with how they are handling the national crisis. People are struggling, yet they are making themselves unavailable to their clients.
Consumer complaint received 2020-05-11
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. (IL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-03-27
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. (NY)

My matter was forwarded to Equifax on XX/XX/2020 and I received a response on XX/XX/2020 from Equifax stating that the process generally requires US/EQUIFAX to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. It has been a total of 35 days. Per FCRA and the ftc.gov website credit reporting companies must investigate the items in question and respond within 30 days. There is no legitimate reason for the disputed account to continue to appear on my credit report ( PAST 71/2 YEAR STATUTE OF LIMITATIONS ) ( In total violation of FCRA ).
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/2020 I sent {$570.00} through XXXX XXXX XXXX banking app using Zelle to a person claiming to be XXXX XXXX for a firearm purchase which he was then supposed to take to a Federal Firearm license holder to do a transfer across state lines. This is the law. I never received the firearm, it was never transferred. The picture of his driver 's license he sent was an obvious fake which is when I started the claims process. I started a fraud claim ( XXXX ) XX/XX/XXXX if memory serves me. XXXX XXXX has since never contacted me or responded through email or phone. I have his contact info still saved. 
His # is XXXX Email is XXXX XXXX # for his zelle account is XXXX XXXX XXXX. 
Transaction reference number is XXXX. 
I have tried going through my banks fraud department but claim was refused and said at this point it is a legal matter. I can not get any form of contact from zelle. I have spent part of the morning talking with XXXX XXXX XXXX XXXX department with no progress made and the matter not settled. I attached the conversations we had pertaining to this. I have the conversation saved. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (FL)

I had a credit card with Discover Credit Cards and it was closed because I didn't pay. Discover took me to court without my knowledge and I they garnished my paychecks. I explained to them that I got a separation and I was paying child support. And if they could placed me in a payment plan since I got a new job, and they were not able to help me. This happened around XX/XX/2019 and by XX/XX/2019 I had the balance paid off, including additional fees that they added into my account.
Consumer complaint received 2020-05-11
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. (TX)

There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but Equifax continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-15
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: Midwest Recovery Systems (CA)

Midwest recovery systems all of a sudden appeared in my credit file. Company stated that I owe an online advance from XXXX!!! Never had shown up until XX/XX/XXXX. I called company and they refused to verify social sec # or any info to prove it belonged to me. I was told that I would receive a packet " fraud affidavit " and to fill out and return. I never received anything.