davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Each of my payroll checks are being placed on five day holds. If it were one check that would be one thing, but for every check I deposit to suddenly be placed on 5 day holds feel discriminatory. I am the book keeper for the business my payroll checks come from. I checked our business checking account. Every check Ive deposited has cleared that account and been deducted from its funds, my credit institution on the other hand, has however refused to credit me what is owed and been approved.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are 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 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 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 -Equifax -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA sent me a letter dated X/XX/2016 stating they received a response to a billing dispute for a charge from XXXX XXXX for {$430.00} which they stated was a valid transaction based off documentation received from XXXX XXXX. This transaction is being used to deem a larger credit card fraud claim my responsibility as well. <P/>The problem with this response from USAA shows they did not accurately investigate the billing dispute. They must have not even looked at the reply from XXXX XXXX or they would have spotted the immediate errors : * Dispute was for XXXX, documents received show two charges for {$74.00} and {$120.00}. These do not add up to the amount being disputed which was a single charge and not two charged. * The documentation received was from XXXX not XXXX XXXXy * The documentation showed receipts for a sale which took place in Florida * The documentation states the bill was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL * The receipts show a card swiped with a different # and being issued to XXXX XXXX XXXX not me. * The signature in no way resembles the one they have on file for me * The supplied Tracking numbers should have shown this merchandise was never intended for or sent to me. <P/>Despite the overwhelming evidence this charge was not performed by me or even mine, USAA held me responsible for it saying they investigated it fully. This charge is now being used in a credit card fraud billing dispute USAA decided to reverse a year later in violation of the consumer protection time frame to finalize billing dispute. USAA states their investigation showed I was responsible. One of the reasons being I have a XXXX XXXX rewards number. I 'm unsure what that has to do with it, seeing as this charge obviously was not mine. Having a Rewards Number does not automatically make me responsible for any charge from XXXX XXXX.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have a mortgage with Wells Fargo for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XX/XX/XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. <P/>I have been paying consistently on this loan and expected that it would be satisfied in XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XX/XX/XXXX. <P/>At the time of the loan origination Wells Fargo had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. <P/>I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. <P/>I have issued complaints to both parties. Wells Fargo does not acknowledge any ownership in this. They believe XXXX XXXX is at fault. XXXX XXXX does not respond to the complaints. Wells Fargo has since severed their contractual relationship with XXXX XXXX which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/>Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. <P/>CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads XX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX and XXXX , XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} XXXXXXXX in fees to consumers and pay a {$5.00} XXXXXXXX civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. Deceptive advertising has no place in the financial marketplace, said CFPB Director Richard Cordray. Todays action is delivering relief for consumers deceived by XXXX and XXXX, and sending a clear message that these practices will not be tolerated. <P/>I will continue to file complaints until one or both of these parties provide the information that I am entitled to. <P/>XXXX XXXX XXXX
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in May directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. Furthermore this SAME account number is on my credit report TWICE. This is a waste of my time, energy and money.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX to the credit bureaus asking for further verification as some items were still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is- I HAVE RECEIVED NOTHING. I have NO IDEA what this is based on the dollar amount. I have attempted to request this information THREE times now, and I have had enough. Within 30 days of reviewing my report I have spent the last almost SIX MONTHS attempting to get verification. This is a waste of my time, energy and money.
Consumer complaint received 2017-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc. (OH)

I am in the process of building a new home. My lender discovered this debt from a previous XXXX on my account with a collection. I do not owe this money, but I paid it anyway to clear it from my credit report. I contacted the collection company on X/XX/2017. Almost immediately I received notification from the XXXX  office stating the collection agency contacted them and I can call their office for payment. I contacted the XXXX office that day and made payment over the phone. I then notified the XXXX office and the collection agency that my lender needs a letter from the collection agency ( since they are the now owners of the account ) stating my name, account number, balance owed, with their name address on their letterhead. I have requested this everyday since then, and they even refuse to respond to my request. They have just ignored me. I even contacted the dentist office back and have asked if they could help, and they ignore their request as well. No correspondence from them what so ever. This is potentially costing me several thousand dollars in possible interest rate hikes, delay in breaking ground. I feel I have been patient enough for a bill I did n't even owe in the first place. They responded immediate when I wanted to pay my bill, and now will not even respond to me or their client. I have done what I am supposed to do and this bill of {$260.00} is costing me thousands because of their disregard. Please help. Thank you.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - NO RESPONSE. This item is on my credit report and is negatively affecting my score. I have requested numerous times for verification, or any description to be given as to what this is. I have no idea what it is for or what is it from. To my recollection I have never received a bill or a statement. I feel that this in an incredible violation of my rights to be continually requesting information and to not receive it when my attempts to obtain better interest rates and better my credit worthiness go UNANSWERED! I find it incredibly suspicious that I have received an answer from other creditors sending the same letters. This is a waste of my time, energy and money.
Consumer complaint received 2017-06-30
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: JPMORGAN CHASE & CO. (TX)

I obtained my credit report and found a fraudulent address and account opened in my name. Chase Bank allowed a credit card to be opened in my name and is reporting negative information about the card on my credit profile. I have never used this card, did not apply for or order this card and this card was opened due to fraud. I have attached a copy of my ID, social security card, birth certificate and my lease showing where I actually live and where I lived when this card was opened.
Consumer complaint received 2017-06-30
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 ca n't get Navient to answer any questions. I asked for the income based repayment plan and they wo n't return my phone calls. They even hang up on me. When they do take my calls they tell me to just do forebearance. I want the income repayment plan or " get a better job ''
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (CA)

I had XXXX credit cards with Citi. XXXX was a Macys card and the other was a normal Citi card. I used both cards and I made my required payments on time. They were both in good standing. I have been working very hard on rebuilding my credit. 

Out of the blue, in XXXX of last year, Citi cancelled both my cards. They sent me a letter that said I could call them to find out why. When I called, they told me they would send me a letter. Eventually I got a letter saying my cards were cancelled because I have criminal convictions from XXXX. 

I dont understand why my credit cards would be cancelled because of my criminal convictions. Those were XXXX years ago and they had nothing to do with credit cards. Since then I have done so much work to rehabilitate myself. I went through the program at XXXX XXXX. I got job training and got a stable job. Ive worked really hard to rebuild my credit. If Citi is just cancelling credit cards for anyone with criminal convictions, thats not fair, and I think its discriminatory. 

There are rules in my state about when companies can look at your criminal background history. I learned that when a company takes an adverse action against you because of a background report, they have to tell you where they got the information and give you a copy. Citi didnt tell me any of this. 

I sent Citi a letter on XX/XX/XXXX. The letter asked them to send me all of the documents they have about me, including my credit applications, any cardholder agreements that applied to my accounts, and documents about why they closed my accounts including reports about me that they viewed. 

Citi didnt provide me with anything I asked for. Instead they wrote me a letter that said they can close my account for any reason at any time and they dont have to tell me why. 

I think this is unfair and illegal. Im entitled to see whatever background report Citi saw that told them about my criminal convictions. I want to make sure its accurate and dispute if its not. I also dont think Citi should be closing peoples credit cards just because they have criminal convictions. I made mistakes, but those were years ago. Ive been working for XXXX years to get my life back together. Closing my credit cards because of an unrelated mistake I made so far in the past is not right.
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (GA)

XXXX XXXX, XXXX Approval letter given XXXX XXXX, XXXX - earnest money {$1000.00} was given to XXXX XXXX agent XXXX XXXX, XXXX - Nation 's Lending withdrew an appraisal fee of {$440.00} from my account. XXXX XXXX, XXXX - Nations Lending withdrew an additional {$59.00} from my account for an appraisal cost. XXXX XXXX, XXXX Denial of credit letter received from Nation 's Lending. XXXX XXXX, XXXX - Anticipated closing date. Talked with lender XXXX XXXX about situation. He stated all funds should be returned to me. XXXX XXXX, XXXX - talked with XXXX XXXX 's manager who stated appraisal fee would be returned but earnest money should come from agent. No date of when this will happen. No communication since this date and no funds returned.
Consumer complaint received 2023-07-07
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. (GA)

In XX/XX/XXXX, Equifax, XXXX, and XXXX announced that they removed unpaid medical collections under {$500.00} from consumer credit reports. The three companies, in XX/XX/XXXX, previously removed paid medical collections from credit reports, and extended the delay in medical collection reporting from sixth months after the first delinquency to one year after the first delinquency. I'm asking for EQUIFAX to remove XXXX XXXX XXXXXXXX XXXX  under Acct XXXX that is for {$360.00}. See attached references that support removal of this medical account. Also under 1681s2. Responsibilities of furnishers of information to consumer reporting agencies. ( 9 ) Duty to provide notice of status as medical information furnisher A person whose primary business is providing medical services, products, or devices, or the person 's agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 1681a. Definitions ; rules of construction ( XXXX ) RESTRICTION ON SHARING OF MEDICAL INFORMATION.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer
Consumer complaint received 2023-07-07
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. (GA)

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (TX)

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and UNVERIFIED. These accounts have violated my rights! ( XXXX XXXX XXXX  ) ACCOUNT # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!

FIRST OFF ..THIS COMPANY IS FRAUD!!! THEY CANT VALIDATE THE DEBT BECAUSE ITS NOT MINE!! 

XXXX XXXX XXXX is not XXXX XXXX XXXX XXXX XXXX XXXX accredited. It has a XXXX  rating of XXXX and a star rating of XXXX from XXXX recnt customer reviews. Their XXXX rating is XXXX from XXXX customer reviews. The complaints from these platforms include : Dealing with unprofessional representatives Failure to validate debt after sending a Debt Validation Letter Wrong debt entry to credit report Being contacted for a debt that has been previously paid
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I believe a check was stolen, forged, signed and cashed by a XXXX XXXX even though it was made out to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is not known to me or to XXXX XXXX XXXX who the check was made out to. Despite the very obvious signature flaws, this check was inappropriately cashed by the XXXX  XXXX XXXX. 

A check, issued a check from my Chase checking account in the amount of {$2900.00} that was returned to me as having been cashed. However I was informed by the payee XXXX XXXX XXXX XXXX XXXX that the check was never received. 

The returned check had an endorsement signature on it that clearly was mine. The name XXXX XXXX was handwritten on the front of the check above my name. 

I immediately called the Chase Bank who told me the check had been cashed. They added that they would investigate and that I should give the payee ( XXXX XXXX XXXX ) some time to see if it turns up. 

On XX/XX/2023 I went into Chase to speak directly to a manager who gave me the appropriate forms to fill out and send ( Declaration of unauthorized endorsement or altered item ). 

On XX/XX/2023 I received a letter from Chase stating that bank that accepted my check was responsible for repayment but that they would make an attempt to recover my lost funds that may take 90 days or more to resolve. 

On XX/XX/2023 I received a letter from Chase saying that they hadnt received a response from the depositing bank and that that bank was responsible for the claim. They added that if they hadnt heard from the depositing bank in 90 days from my claim submission, they will close the claim and my funds will not be recovered. I wasnt given the name of the depositing bank. 

On XX/XX/2023 I returned to the Chase bank and spoke to the manager who initially helped me. He called an internal number and found out that : h the depositing bank was XXXX XXXX XXXX ; that Chase made one attempt to contact them with no return response, and a recent second attempt on XX/XX/2023. They suggested that I contact your government office of consumer finance, hence this application. 

HELPFUL INFORMATION Chase Declaration of Unauthorized Endorsement reference number : # XXXX Chase contact number : XXXX Original check : chech no. XXXX, check date XXXX/XXXX/XXXX, amount {$2900.00}, payable to XXXX XXXX XXXX XXXX XXXX. 
Check cashed at XXXX XXXXXXXX XXXX ( I do not know the address ).