davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was contacted by chase via text on XX/XX/19 regarding a fraudulent charge. I replied no and then called after Finding someone accessed my account attempting to quick pay themselves 3 transactions for XXXX, {$1900.00} and {$500.00}. All except the XXXX went through. I spoke with someone who rejected the other payments and said Id have to speak with the fraud dept in regards to the XXXX. I called after work and the rep said Id have to close my account over XXXX cents. I told her NOT TO CLOSE MY ACCOUNT. She went and closed my account while I was out dining with my family. I called the bank to complain and spoke with a manager who told me that was their process even though i told them not to close my account. 

I went to the branch the next day to reopen the account. They started a new account. I requested my funds be transferred to my new account. Then got a call that the amount they gave was wrong and I had to come back. My online access wasnt updated so I had to call and spend an hour on the phone getting that straight. Then when i was able to get my online access I found 3 checking accounts and 2 savings account. The old saving account was over drawn. I wasnt able to receive quickpays that were sent to me. All 5 payments that I had set up on auto pay were rejected because they closed my account without my consent. So I am now being charged with returned check fees. Not only that but the XXXX cents they closed for fraud, they did not return that money to me. I called the bank and they couldnt explain why I had 2 additional checking accounts, 1 additional savings, why i could not get quick payments someone sent to me, or why I didnt get the XXXX they closed my account over. Chase has caused me l severe stress and financial distress with my creditors. This is a nightmare and no one seems willing to assist. This is the worst bank experience Ive ever had.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (TX)

I noticed a fraudulent credit card in my name and I contacted the bank and told them I never applied and its still on my credit report ( XXXX ) and I send in some documents and I never heard back from the fraud department and I call and left a message and never heard back and I have the account number that was opened up in name and I didnt applied for this card and it has a outstanding balance of 2,000
Consumer complaint received 2019-02-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I called last year in XXXX to try to lower my payments. I was told that they couldnt lower my payments. They offered me {$15.00} cheaper but my interest rate would be higher and it will add 2 more years to pay it off. I told them that it was too high and that is insane to pay {$15.00} less and have 2 more years added to pay that off so I stuck with the higher payment but shorter year. I also told them I was in school so do I get a forebearance because of it. They said no. I felt like no one tried to help and they were going to make me pay no matter what.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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.
Consumer complaint received 2019-02-26
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. (SC)

I check my Experian credit report on a monthly basis and it appears that in XXXX XXXX, a company ( XXXX XXXX XXXX ) that I am not familiar with added an erroneous, negative collection account against me. On the Experian report, the Account Open date is listed as XXXX XXXX however I have Experian reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and none of these reports list this account. Furthermore, the account status states that " Account in dispute-reported by subscriber, Account information disputed by consumer under the Fair Credit Reporting Act '' which was updated on XXXX XXXX, XXXX however I had no knowledge this account even existed at that time to even initiate a dispute. So it appears that Experian is not actually investigating the validity of accounts that are being added to a consumer 's report. 

How is it possible for this company to initiate a dispute on my behalf? Experian has no record of me initiating a dispute regarding this account so how was it returned as Verified. Furthermore, I have not received any correspondence ( calls/emails/ letters ) from Experian oXXXX XXXX XXXX XXXX containing any information that was provided. I would like for Experian to hold this company XXXX XXXX XXXX accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because they didnt actually properly verify that this debt truly belongs to me.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 
She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I noticed this issue in XX/XX/XXXX and start from XX/XX/XXXX, Transunion has charged me {$180.00} in total, with {$19.00} per month. I was charged without aware of registered as a membership. Transunion did not send me any receipt or notice of charging which is totally unacceptable.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I made a payoff to my Direct loan XX/XX/XXXX on XX/XX/XXXX for {$9300.00}. On XX/XX/XXXX I log in and see that it was processed but instead of being allocated like I directed, it was applied across several loans. It also showed a second payment was processing for the same amount, allocated to the correct loan. I called the company to figure out why they were processing it twice and why the first payment was allocated wrong. I spent 40 minutes on hold, only to be told it could be fixed and the payment could be re-allocated. The rep put me on hold subsequently hung up on me. When a I refreshed my online account, the second payment was no longer showing processing ( it was gone ) but the first payment was not fixed. I received no follow up and my account is still not fixed. This is the second time Navient has screwed up how to apply my payment.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2018 XX/XX/2018 and XX/XX/2018 I sent PORTFOLIO RECOVERY ASSOCIATES, LLC letters pertaining to a Cease and Desist letter. I also stated in the letter, that I would only deal with the original creditor ( see letter dated XX/XX/18 ) THEY HAVE NOT BEEN IN COMPLIANCE To date, PORTFOLIO RECOVERY ASSOCIATES, LLC is still reporting COLLECTION ACTIVITY TO THE CREDIT BUREAUS. ( PLEASE SEE CREDIT REPORTS WHICH SHOWS COLLECTION ACTIVITY. ) They said they completed their investigation but, they have not deleted these accounts
Consumer complaint received 2019-03-01
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. (TN)

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2019-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (NY)

I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received private student loans from Citibank. Citibank sold some student loans to XXXX XXXX XXXX who I am currently making payments to. Citibank never notifed me about what was done with the remainder of my student loans nor did I receive any correspondence, even that they had or were selling my loans. Citibank has since placed a chargeoff of {$11000.00} on my credit report. No one is able to help me or transfer me to someone who can help. I never received notice that my loan was chargedoff. I have no idea where to make payments or any other information.
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. XXXX  will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that XXXX XXXX & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dispute Resolution Process- Capital One Card ( Visa ) The representative and supervisor stated that the dispute process takes up to 90 days- allowing the merchant to respond. If the merchant does not respond, the dispute status is changed from pending to resolved and closed. However, for my dispute the 90 days count did not start from the moment the dispute was made ( XX/XX/XXXX ). It was started on XX/XX/XXXX ( a date I was out of the country ). After speaking with the representative supervisor she said actually, the process takes 45 days. Then she said it took 30 days. I asked her why she went from stating 90-45-and then 30. She stated that 90 days is what is stated in the confirmation letter sent to consumers. But in actuality it is 45 days if the card is a MasterCard and 30 days if it is a Visa. I explained to her that I needed to have the correct information because I was pending a pre approval for a mortgage and the dispute was showing in my credit report as pending. I needed a clear date or a letter from Capital One indicating that they were waiting for the merchant to respond within 30 days and if no response from the merchant, the dispute would be resolved. She stated that she was not supposed to tell me that information. That she was " educating '' me. 
The practices of this Company 's dispute process are misleading as they are stating misinformation to the consumers and jeopardizing the financial opportunities to those that have been loyal customers to its business.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC (AL)

A CALLER THAT SHOWS UP ON CALLER ID AS " LOANCARE SERVICES '' REPETITIVELY CALLS THE ECLECTIC POLICE DEPARTMENT. THERE IS NO ONE ON THE LINE JUST A RECORDING THAT STATES " PLEASE RETURN OUR CALL AT XXXX. TODAY ( XX/XX/2019 ) THEY HAVE ONCE AGAIN CALLED 3 TIMES. I HAVE CALLED MULTIPLE TIMES AND ASKED FOR THEM TO REMOVE THIS NUMBER. I HAVE NO CLUE WHO THE DEBT BELONGS TO BUT THEY WILL NOT REMOVE OUR NUMBER WITHOUT THE PERSON WHO OWES THE DEBT CALLING TO REMOVE IT. THIS IS XXXX! THEY ARE TYING UP AN IMPORTANT PHONE LINE!!!
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/2107 Mr. Cooper conducted an escrow analysis and stated that I had a surplus of about {$3500.00} and would not dispense the surplus because the account was under a disaster forebearence. Six months later, the conducted another analysis and claimed that I was short and sent a check in the amount of {$2300.00}. They applied the check to the principal instead of the escrow. I have called mutiple times to resolved the issues and they have not resolved. They are now saying they will reverse the {$2300.00} to the escrow account. However, they escrow surplus was applied, yet they are not desmonstrate where the {$3500.00} was applied, either to the principal or the escrow account.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-06
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. (MN)

Equifax follow up from Complaint ID XXXX Thanks for responding back to the complaint with the Cfpb. however You still DID not address my concerned. I DID NOT ASK YOU FOR CREDIT REPAIR ADVICE I ASKED AND WILL ASKED AGAIN! FOR YOU TO SEND ME THE ORGINIAL SIGNED DOCUMENETS THAT THE FEDERAL GOVERNMENT INSTRUCTED THE REPORTING AGENCIES TO HAVE IN YOUR POSSESSION AT ALL TIMES THE FCRA 609 ( A ) ( 1 ) ( A ) AND SECTION 611 ( A ) ( 1 ) ( A ) ALSO SECTION 611 ( 5 ( A ) BUT I'M NOT CONCERNED ABOUT GETTING THE CONTRACT ANYMORE BUT HOWEVER I'M CONCERNED THAT YOU FAILED TO INVESTIGATE WITHIN THE 30 DAYS THAT THE FCRA ALLOW THE REPORTING AGENCIES ALLOW YOU TO. PER THE FCRA IF AND SHALL NOT COMPLETE IN 30 DAYS THE ACCOUNTS MUST BE REMOVED I HAVE ALREADY NOTIFIED THE MN ATTORNEY GENERALS OFFICE WHO SHOULD BE IN CONTACT WITH YOU IN THE COMING DAYS ALSO I WILL FILE LAWSUIT IN FEDERAL COURT WITH IN THE NEXT 5 DAYS SO HELP ME GOOD WITH ALL OF YOUR BURGAGE YOU SENT IN YOUR REPONSE YOU WILL NOT SEND ANYTHING VIA THE CFPB WEBSITE JUST CURIOUS YOU DON'T HAVE THE ORIGINAL CONTRACT DO YOU? IF NOT WHY DON'T YOU PLEASE ANSWER YOU ARE BREAKING THE LAW EQUIFAX. BUT REMOVED ALL ACCOUNTS LISTED ON THE PRIVIOUS COMPLAINT. ALSO TO ANSWER YOUR QUESTION FROM PRIOR YOU ARE EXACTLY RIGHT CREDIT REPAIR COMPANY CAN'T HELP ME AT THIS POINT BUT GUESS WHAT YOU CAN BY REMOVING THE ITEMS THAT YOU FAIL TO INVESTIGATE IN 30 DAYS! 
THANK YOU SO KINDLY LOOKING FORWARD TO WORKING WITH YOU IN THE COMING DAYS
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have buyers for my house. BOA is providing them with mortgage. The BOA underwriter is NOT responding to phone calls from my realtor, my attorney, buyer 's realtor, or buyer 's attorney. I need closing date this week -- because, if I don't close this week, I will lose my new/next home.