davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This is a complaint about the annualcreditreport.com website. The average consumer is going to be deceived -- I was. 

The process for requesting free weekly online credit reports from the https : //www.annualcreditreport.com/ website is broken. 

From the XXXX XXXX XXXX, following links labeled " weekly '' eventually lands you on the https : //www.annualcreditreport.com/requestReport/processCRA.action page -- which is exactly the same page you'll land on if you request your free " annual '' report. (??? ) On that page, the term " report '' or " credit report '' is used 8 times ; the word " weekly '' is used exactly once -- at the top of the page, and ; the word " annual '' is never used on the page. Yet the discussion following the, " COMMON QUESTION : Should you order all XXXX  reports now or spread them out over time? ", is all about your annual report. So in response to the instruction to, " Request XXXX, XXXX, or XXXX reports '', a careful user of the page will not select any report, thinking the check boxes are for annual reports, when they're seeking the free weekly online reports. But with none selected, clicking the " Next '' button reloads with the error message, " Errors : Please select one or more XXXX XXXX XXXX XXXX XXXX. '' -- you can't proceed without selecting at least one. 

So there is no clear path to " ... free weekly online credit reports ''. [ Yet the entire website advertises them at the top of every page. ] This 'smells ' like a consumer deception to trick users into accidently requesting their free annual reports so the reporting companies can later charge {$15.00} bucks when those users have a valid need for their now-no-long-free annual report. 

It's at least disingenuous -- and probably fraudulent -- to allow any confusion about which report is being requested : free weekly or free annual [ which will cost you later, if you request it when you don't need ].
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

For years since Sallie Mae transitioned to Navient I have been unable to converse with someone in the USA who can help me with other repayment options. They have continually increased my interest rates and bought other private loan companies out without having my permission to allocate my information to them. Navient has taken XXXX of my money to repay my XXXX worth of loans and the entirety of that money has gone to their jacked-up interest rates. Hardly any payments have gone to the principal of the loan. They harass you for payments when you have made payments to the point of 10+ phone calls per day. I do not have records of all calls due to the years of harassment on behalf of the company. I have detailed reports of all payments to the company that will show the continued increase in rates without giving the borrower any options to get out of debt.
Consumer complaint received 2024-09-28
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: JPMORGAN CHASE & CO. (MA)

Chase credit card made a fraudulent hard inquiry on my XXXX credit report on XX/XX/2024. I noticed and requested removal of the hard inquiry on XX/XX/2024. Since then, Chase has been giving me the run around and has not requested the removal of this hard inquiry. A second hard inquiry was placed in XX/XX/2024. Chase was able to resolve this and have it removed but they are refusing to remove the XXXX hard inquiry. Chase has not provided me with a reason why this hard inquiry has not been removed. As of XX/XX/2024, the hard inquiry is still on my credit report.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (DC)

I have an XXXX XXXX issued by the XXXX XXXX XXXX. For some reason payments are not processed within 24 hours anymore. It now takes around seven days before the payment is processed and you can only make three payments within a billing cycle. 

I feel that this is a trick to increase my debt and increase profits for the company at the consumer 's expense.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Under 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 XXXX  # : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX 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, XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX # : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I just received an email about in ordering to prevent fraud, they need me to verify some information. After i called them, they just told me my account has already been closed and its final decision, and they will end relationship with me. Without any reason, and all my money now get holded because they are doing this, and that might take several weeks or months for me to get the money back. I am a student and all that money is for my living, i really need money back.
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (MD)

Caine and Weiner bought some debt from another company and then called saying I needed to pay them XXXX amount. I asked for a letter in writing, the representative said I should have received one- I confirmed I did not and requested another letter in writing as I do not give banking information over the phone. Since then, I have received several calls a day from different numbers, from different states, they sometimes leave voicemails. When I answer the call theres an automated pause and then Im connected to someone who says this is Caine and weiner attempting to collect a debt. I have yet to receive a letter of debt owed and will not comply until I receive one. Please help remedy.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Date XX/XX/year> To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX & JPMCB - CARD SERVICE XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CT)

I want to file a complaint against M & T bank for harm I suffered because of lack of transparency by my bank. On Tuesday the XXXX I have received a letter from my bank denying my two dispute claim one for {$140.00} and XXXX for {$410.00} and the credit that was provided to me will be reversed the {$140.00} it was supposed to be reversed on the XXXX but post on the morning of the XXXX which it did and I was left with a balance of {$170.00} as of XXXX as it show in the screenshot and the {$410.00} supposed to reverse on the XXXX. Well sometime during the XXXX M & T Bank reversed the {$410.00} and the only way I found out is because the one time that day in which I try to use my debit card and it declined which was a embarrassment. My discrepancy of the situation is that I was not alerted by one of the methods in which I set up in which if there's any activity on my account I will be instantly notified. At the time in which the bank whenever it was during the day has reversed the credit I should have got an alert so I know not to use that debit card because of a negative balance which by law is my right
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (CA)

1. 15 U.S.C. 1692g - Validation of Debts : * Your company failed to provide me with proper validation of the alleged debt within the required time frame.

* I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information.

2. 15 U.S.C. 1692c - Communication Restrictions : * Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information.

* I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (CA)

This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be Source Receivables Management stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Well this is a long history of unorganized and in my an unfair money grab scheme. I have always done my best to make my payments, with that being said there have been some tough patches financially for me through out the many many years of dealing with my student loans. Although, 90 % of the time I always make my payments. Sometimes a couple days late but always make the payment. It just never seems like the amount goes down like it should, when I pay over {$300.00} a month year after year you would think it would be noticeable but its not. Below I will list the many frustrations over the many years I have had to deal with when trying to figure out how to navigate the best re-payment plan for myself. 
- Over the past XXXXyears or so I have had to put my loans into either forbearance or deferment several times and was always charged a ridiculous amount of fees, which I thought was not right considering the reason for forbearance is one is struggling financially. 
- When I asked the company what my options were for some temporary repayment relief I was always put directly into forbearance or deferment immediately in which I have used both over the many years paying fees and not realizing the interest accrual. 
- Late fees became a norm for me only because of how my payday landed bi-weekly from my employer, but the payment was made only a few days late which in my mind one should not be charged a late fee in this case. I was making the payment regularly every month for years. 
- When speaking with individuals over the phone I asked several times if they could mail me a hard copy of my loan history because it just seemed like the balance wasn't going down like it should be. Several times I was told they can't do that and several other instances they said " sure no problem '' but I never received the documents. 
Overall, I am not sure what is going on here with the company " Navient '' but my balance seems like its never ending for some reason even after years and years of repaying.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

I asked them VALIDATE this account by providing a purchase agreement with my WET INK Signature, chain of ownership, full accounting of the original billing, and proof of collection rights. If they could not validate this account I ask that it be removed from my credit report as this is negatively effecting my ability to obtain credit.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IL)

I called in around mid-late XXXX to change my monthly payment amount to apply more to additional principal and cancel the money being applied to optional coverages ( ie home warranty ). At first they stated I couldnt do that and I needed to cancel the home warranty with the home warranty company ( cinch ). I called them they said it was XXXX to cancel today I said no that was never part of the original agreement. I then called the mortgage company back and asked them to change my payment amount to more principal and XXXX to optional coverage they stated again XXXX not allowed to do that I finally got a supervisor on the line, her name was XXXX, and she want ahead and cancelled my auto draft and we did a XXXX time payment for the the amounts I agreed to. She said call back in after the XXXX once your request to cancel home warranty is processed. So I did that and spoke with XXXX again. She informed me that someone else in the office cancelled the XXXX time payment we set up the other week so that we should go ahead and do another to ensure the payment is processed I said ok. The payment is roughly {$2300.00}. Then on the XXXX of XXXX I noticed my bank account was overdrawn as freedom mortgage debited my account twice. I called in the following day and spoke to XXXX she said it was a mistake and that she would handle it and call me back in about an hour but never did. I told her I needed this money back asap as I have bills to pay. So I called back in the next day and spoke to another supervisor, XXXX, she said I needed bank statements to show the XXXX debit went through before they can issue a refund. I said that not possible as statements are not issued until the end of the month. She transferred me to XXXX and we did a XXXX way call with XXXX, my bank, who confirmed both debits went through. XXXX then said she will get confirmation from her supervisor and will call me back. Its 2 days later and I still dont have my money back. Also, they were able to cancel my home warranty with no fee of XXXX so no idea why they are telling consumers about a mandatory fee thats not really mandatory.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC WAKEFIELD & ASSOCIATES I Account number XXXX has violated my rights. 


15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Enclosed, please find a certified copy of my UCC-11 search, which indicates that there are no liens or records showing that I owe any debts. Creditors are legally obligated to file accurate information regarding such matters. 

Delete this account.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (SC)

I transferred money in my Robinhood account from bank last week. Yesterday I had a family emergency and had to use them funds to travel. Once I tried to withdraw the money on to my debit card, it told me that I could only withdraw to the account i deposited from. I then explained that, that account was frozen because somebody tried taking money out of it earlier that day so I couldnt put it back in there. They made me submit all kinds of documentation proving that both accounts were mine. They just said give them 2/3 days for back office to review but I explained I didnt have that time frame. Now my account is restricted where I showed more documentation but now theyre saying they will reach back out by the XXXX and I cant do anything until they do. This is insane and I just want my money. Im really considering getting a lawyer and suing because I dont know what else to do and this cant be legal.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BSI Financial Holdings, Inc. (CA)

On XX/XX/XXXX I submitted my official application to have my PMI removed On XX/XX/XXXX, I had photos taken of the home and submitted to the company to prove the homes good condition On XX/XX/XXXX I called the company and was told that it was approved and that an escalation would be sent to " The Escrow Team '' to recalculate my payment On XX/XX/XXXX I called again to get status and was told " I see the request but it as never sent over. I'll forward it again, but Don't worry it's approved. I can see it will be removed by XXXXXXXX XXXX XXXX '' I call again today ( XX/XX/year> ) and am told " Oh it's denied, we don't know why they didn't tell us. But you'll get a letter. '' I call again after being hung up on and get more information " I see in the notes it was denied because you haven't owned your home for over 2 years. '' I say " I've owned my home for almost 3 years, it'll be 3 years in XXXX. '' I'm then told, " I don't know sir that's just what it says, you'll get a letter though. ''