davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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. (PA)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I am writing to file a complaint against Navient Student Loans regarding the mishandling of a settlement payment that I was supposed to receive in XX/XX/XXXX. 

In XX/XX/XXXX, I received a notice from the IRS stating that I had received income in the amount of {$5000.00} from a settlement with Navient. This settlement resulted from a lawsuit in which Navient was sued for charging military members and others improper fees. However, I never received this {$5000.00} check. I was not aware that I was part of a class action lawsuit, and I had never received any check or notification about this settlement. 

Upon receiving the IRS notice, I immediately contacted Navient to inquire about the supposed {$5000.00}. Navient informed me that the check had been sent out, but since I did not cash the check within the 90-day period before it was voided, the funds were then kept by Navient and distributed across my student loans in a way that did not benefit me. 

Furthermore, Navient provided me with the contact information for the company they used to distribute the checks. When I contacted this company, they could not provide me with any check number or confirmation that a {$5000.00} check had been mailed to my known address. 

Instead of benefiting me, Navient split the {$5000.00} between two small loans I had, one for {$2000.00} and another for {$3000.00}. This action did not benefit me as a consumer. If Navient had applied the {$5000.00} to pay off one of the loans, it would have been more advantageous for me. However, they chose to distribute the funds in a manner that did not consider my best interests. 

I submitted a complaint to the Consumer Financial Protection Bureau back inXX/XX/XXXX regarding this issue. However, I do not believe I received a response or resolution to my complaint filed at that time. 

I feel that I have been wronged by Navients handling of this settlement payment. Not only did I not receive the check, but I was also denied the opportunity to use the funds in a way that would have benefited me the most.
Consumer complaint received 2024-10-16
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. (AL)

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 2024-10-16
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. (PA)

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 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX a XXXX XXXX was deposited into my Chase checking account of {$1600.00}. I did not ask for this XXXX XXXX and do not know who send the XXXX XXXX On XX/XX/XXXX XXXX froze my checking account and did not tell me. On XX/XX/XXXX I tried to remove money out of my checking account and they informed me that my account was frozen. The local bank called Chase XXXX department and they were told that it would take XXXX weeks to sort it out and unfreeze my account. I have been calling Chase 's XXXX number every other day to try to resolve the issue. I keep getting a different answer back on when my account will be unfrozen. On XX/XX/XXXX I gave Chase permission to return the money to whoever wired the transfer. I have given my permission XXXX more time to return the money. On XX/XX/XXXX XXXX removed {$1600.00} from my account in a XXXX XXXX XXXX XX/XX/XXXX Chase removed another {$1600.00}. When I talked to Chase on XX/XX/XXXX they told me that it would take another XXXX  days before they would unfreeze my account. They will not tell me why or when my account will be unfrozen.
Consumer complaint received 2024-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (FL)

XXXX and XXXX XXXX assert that Rocket Mortgage engaged in deceptive practices during the processing of their mortgage refinance, in violation of federal lending laws. The XXXX 's were misled by Rocket Mortgage 's representative and were deprived of essential communication necessary to make an informed decision regarding the loan. Furthermore, documentation reflecting unauthorized changes to the loan was not provided to them. Despite multiple discussions, the agreed-upon distribution of funds was not honored, and the XXXX 's XXXX that pertinent information was intentionally withheld, preventing them from exercising their right to rescind the contract. 

Notably, Rocket Mortgage failed to disclose that XXXX XXXX would not be included on the new mortgage, despite having been on the original mortgage. This critical information was not communicated until after the closing of the loan and was revealed by Rocket Mortgages customer service department, not the lending banker, XXXX XXXX XXXX. As a result, when XXXX XXXX attempted to discuss the loan with Rocket Mortgage, he was informed that they could not communicate with him due to his exclusion from the loan. Additionally, Rocket Mortgage conducted both soft and hard credit checks on XXXX XXXX without his knowledge or consent, constituting a violation of privacy and credit reporting regulations. 

Furthermore, despite negotiating the issuance of a fourth check for debt consolidation, XXXX XXXX failed to inform XXXX and XXXX XXXX that these funds would not be disbursed. It was only after the XXXX 's contacted XXXX XXXX to inquire about the missing payment that he acknowledged his failure to communicate this critical detail, admitting that he " dropped the ball. '' Had the XXXX 's been properly informed that XXXX XXXX would be excluded from the mortgage and that the fourth check for debt consolidation would not be issued, they would not have proceeded with the refinance. The primary purpose of this refinance was to consolidate debt, and the failure to disclose these material facts constitutes a significant breach of trust and transparency on the part of Rocket Mortgage. 

In seeking resolution, the XXXX 's contacted Rocket Mortgage, only to be advised by XXXX XXXX XXXX, XXXX XXXX XXXX, that their sole recourse would be to pursue a second mortgage. This proposed resolution is unsatisfactory given that the issues arose from XXXX XXXX own failure to disclose critical information and to honor the terms discussed during the loan negotiation process.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TX)

On XX/XX/year> I sent a certified dispute letter to CKS Prime Investments in regards to a collection account that they are actively reporting to the credit bureaus in the amount of {$650.00}. Certified tracking number XXXX shows it was delivered on XX/XX/year> at XXXX. As of today they have failed to respond to the letter and are in direct violation of the FDCPA.I requested validation and proof that the debt is legally mine by asking for a contract, promissory note or agreement with my signature.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX I received a notice from Midland Credit Management stating I owe Midland Credit Management {$1.00}, XXXX, in the notice it was stated if I disagree with the information being presented I could dispute the alleged debt and Midland Credit Management would respond accordingly. On XX/XX/XXXX I sent a certified letter to Midland Credit requesting the original letter of indebtedness or proof the alleged debt still exists in response to a notice I received from them earlier in the month of XXXX. On XX/XX/XXXX I received correspondence from Midland Credit with an account statement from XXXXXXXX XXXX XXXX ; the correspondence also stated Midland Credit Management was not reporting the account to the credit reporting agencies. The statement noted a balance of {$1400.00} due to XXXX XXXXXXXX XXXX not Midland Credit. I then sent another notice to Midland Credit Management on XX/XX/XXXX demanding Midland Credit cease and desist all collection efforts until I receive proper documentation that I am responsible for paying the alleged debt to Midland Credit Management. On XX/XX/XXXX Midland Credit Management responded to my notice stating they were not reporting the account to the credit reporting agencies but they concluded their information was accurate. 

Midland Credit begin reporting the alleged debt on my credit report XXXX of XXXX. However Midland credit failed to send documentation of the first date of delinquency on this account as well as an agreement between Midland Credit Management and myself. 

In XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the court ruled that reporting information to credit reporting agencies is indeed a form of communication under the FDCPA. Therefore Midland Credit is violating my cease and desist.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: First Technology Federal Credit Union (MN)

I had a balance at First Tech Credit Card paid by a balance transfer payment with XXXX XXXXXXXX XXXX. It appears the balance transfer payment from XXXX XXXX XXXXXXXX wasn't enough, when it should have been, and to my surprise and without any notice, I still had a balance and they still charged me {$32.00} in interest, which for whatever reason was interest of 14 % on a balance of {$2600.00} ( which makes no sense because my full balance at the time was {$7300.00}. 

After making a payment on the remaining balance of {$91.00}, I called First Tech to have the interest waived/reversed, and they said it was policy and that they do not do interest rate reversals or waiver at all. This is fraudulent, particularly, when they don't let customers know that balance transfer payments didn't cover all of the account. They actually shared that this happened to another customer the day before I called, and they said they told them the same thing : interest charges aren't waived or reversed at all. I talked to a supervisor at First Tech, and this is what he said.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC (GA)

I have a collection by the name of spring oaks cap for {$790.00} dollars the account number is XXXX by 15 us code1692c if a consumer notifies a debt collector to cease further communication with the consumer The debt collector shall communicate further with the consumer with respect to such dept
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

Formal Complaint Regarding Denied Dispute of Unauthorized Transactions I am writing to formally complain about the handling of a dispute regarding unauthorized transactions made with my account. On XX/XX/year>, between XXXX and XXXXXXXX XXXX, my wallet was stolen, and subsequently, transactions totaling {$920.00} were processed from my SoFi Bank account. 

Upon discovering these transactions, I promptly reported the theft and disputed the charges with SoFi Bank. I was informed that the review process would take up to 10 business days. However, on XX/XX/year>, I received an email from the dispute team stating that my claim had been denied. The email indicated that SoFi Bank had reached out to the merchant and concluded that the transactions were valid. 

I find this outcome both unfair and unprofessional. The transactions in question were made at an ATM, and I have no record or recollection of conducting such transactions. Furthermore, I have submitted proof supporting my claim, including : A message from another bank indicating that transactions on my other cards were denied during the same timeframe. 
A DPS receipt showing that I applied for a new drivers license on the day of the theft, as my previous license was stolen along with my wallet.

A police report documenting the theft, which I have also submitted. 
Given the evidence I have provided and the unusual nature of the transactions, I believe it is unjust for me to be held responsible for these charges. I am seeking a reconsideration of my dispute claim and a full refund of the {$920.00} that was fraudulently withdrawn from my account. I kindly request a detailed explanation of how the dispute was reviewed and why it was determined that the transactions were valid. 

Additionally, I would appreciate information on any further steps I can take to ensure this issue is resolved promptly. 

Thank you for your attention to this matter. I hope we can work together to find a satisfactory resolution. Please contact me at your earliest convenience to discuss this further.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

I have never banked with with this bank every time I attempt to open me an account at a branch. There is an Old consumer report coming up with a collection that I have no knowledge about. I have contacted the identity theft and fraud department in relation to these collections that I have no knowledge of. somehow the bank allowed someone to open an account in my name has not sent me any letter or knowledge in regards to this. This account has affected my personal life. I am clearly victim of identity theft and have taken the steps to support that yet this account has not been removed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Data Mortgage Inc. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Back in around XXXX or XXXX, I had gone into a income driven repayment plan. I had set up payments to be taken out on ALL XXXX loans. However, the person who did the plan with me on the phone wanted to rush me along and didn't verify the information. So what ended up happening, unbeknownst to me, only XXXX out of XXXX loans were getting paid with the automatic payments. Then came the letters to both my parents and I, who cosigned the XXXX loans that weren't being paid, which caused a now unfixable rift between us. We reached out to customer care at the time and they opened a case. Of course, I was correct and the recording CLEARLY stated that all XXXX were to be paid with the plan. They " corrected '' the mistake without offering any incentive or repayment for the damage they've caused including to my credit. Then just last year, the same thing happened again! I have gone into default on XXXX of my XXXX loans, NOT the ones that are cosigned, and they no longer receive payments. The woman on the phone took my payment.XXXX  .and put it on the defaulted loans and not the loans I asked her to put it on! Nothing came from that complaint as there was " nothing that could be done ''. I'm so tired of this game. With the amount of money I've given at this point I calculate that I could've had these loans paid off in full almost XXXX or XXXX years ago. I need something to be done. I never even got to graduate from XXXX XXXX XXXX university due to financial issues and they have just made it so much worse. Salt in the wound. Also, my relationship with my parents is strained at best due to the mistake that have been made on their part. Please, I'm begging of you to please help me end this tyranny against Navient and get my life back.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Hi so basically I am a victim of fraud and my bank is chase and I saw bunch of unauthorized charges on my account worth around XXXX. I filed the fraud dispute with chase and literally 1 day later they came back to me saying you authorized these transactions which I didnt and these were not made by me. please this needs to be resolved I can not afford to lose this much money.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

I opened a high-yield savings account with Marcus Bank XXXX Goldman Sachs XXXX XX/XX/XXXX. I did all the verification process for my external bank account so I can fund the XXXX I transferred {$15.00} on XX/XX/XXXX to the new account. On XX/XX/XXXX Marcus called me and told me that my account was being closed because and gave vague reasons for that. They tell me my funds are being sent back via the external account or by check in XXXX business days. It's been more than a month, multiple ( XXXX ) calls with Marcus and every time they tell me they are working on it, things are on queue, they are investigating, they are processing the information. A lot of ways to say that they are doing nothing because I still have no answer or explanation. On XX/XX/XXXX an agent from XXXX department told me that I could be sure that in XXXX business days I would get my money back. Today is XX/XX/XXXX and still no check sent, no transfer to my external account and no email notification. I called today, and after spending XXXX hours at the phone talking with more than XXXX agents and I still don't get an answer and they just keep telling me they are working on sending my funds back but no details or no date for that. I'm pretty concerned about my situation and something that bothers me is that sometimes they tell me that they can't verify it's me so they can't give me details about my case, etc.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian was provided sufficient documentation to support blocking for accounts named XXXX XXXX XXXX. These are fraudulent accounts opened under my identity and needed to be removed immediately. FTC police reports and FBI INCIDENT REPORTS HAVE BEEN SUBMITTED WHAT ELSE DO THEY WANT.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (KS)

I called Marcus by Goldman Sachs on XX/XX/XXXX because I changed my phone number and was unable to update it in the app. I offered to verify my identity with my email, passport, or other documents, but was told they needed my old phone number ( which I no longer have access to ) or an American driver 's license ( which I do not have ). They created a case and promised to call me within 3-7 business days, but I never received a call. 

On XX/XX/XXXX, I received an email stating that my phone number had been changed, which was incorrect as the old number remained. 

On XX/XX/XXXX, I called again after accidentally transferring {$3000.00} from my checking to my savings account, which drained my checking account. I tried to transfer the money back, but it was placed on hold. I was again asked to verify my identity using my old phone number, which I repeated that I no longer had access to. They created another case and again promised a call in 3-7 business days, which I never received. 

Today, on XX/XX/XXXX, I called again and was transferred between five different representatives. The last person informed me that a document had been emailed to me ( which I never received ) and to wait 7-10 business days. I am still unable to access my funds, and this situation has become an emergency as I currently have no access to my money. 

Thank you for your assistance.