davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (WA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXT XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (WA)

American Advisors Group XX/XX/19 charged us {$1000.00} for Property Taxes on our closing documents. We did not have an Escrow account. They did not pay it to XXXX XXXX XXXX either. They also let our loan rate lock lapse past our 1st closing date and charged us {$500.00} to keep our rate and move our closing back another week. All representatives that we dealt with from American Advisors Group were aware of these problems. We still have not received any official closing documents with all the signatures on them. American Advisors Group promised to refund us the {$500.00} for the delays caused by them. They never fulfilled this promise.
Consumer complaint received 2024-09-17
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. (OR)

In XXXX, I could not afford to repay my student loans. So they doubled. And then they doubled again. And again. Eventually the debt soared to an amount over $ XXXX. 
Our credit was completely devastated and we never recovered. 
Since, we cashed out my husband 's XXXX to pay student loans down, we have no retirement, and because I work ALL the time, I do not qualify for any of the Biden loan forgiveness. Frankly, we're disgusted. 
Eventually we negotiated with Navient to repay the only amount they would come down to. It was brutal. But! Navient told me that before I could resume paying my student loan debt, I would have to pay a company called Pioneer Credit Recovery Services over $ XXXX, that none of the payments to Pioneer would be applied toward the debt I owed, and that only after completing 6 consecutive payments ( for nothing ) could I begin repaying the debt I owed. We had so little money. Sometimes we sold things on XXXX, I babysat ( in my XXXX XXXX )  and worked a retail job to make these payments. We finally completed those 6 payments that were punishment for not being able to pay the astronomical payments to Navient. 
Now? I would like that money to be applied to repay what remains of my student loans. I pay just under {$1800.00} month, still. But that money went to nothing. Absolutely nothing. If I can not qualify for any other loan forgiveness ( even though I meet all the criteria with the exception of entering into the new repayment program that would add another 10 years onto the debt ), I would like that money they extorted from me to be applied toward my debt. Please help.
Consumer complaint received 2024-07-07
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. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries :
Consumer complaint received 2024-08-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (PA)

On XX/XX/XXXX, I had extensive water damage to my home. I filed a claim with XXXX XXXX XXXX ins. XXXX XXXX, XXXX XXXX paid XXXX to repair my home. The check had my name and my mortgage company phh mortgage name. I was informed by XXXX XXXX  that it's the law that my mortgage company has to be on the check. Phh mortgage required that I endorsed the check to them, sign an agreement to repair the home, and provide them with the adjuster report. On XX/XX/XXXX I complied with phh mortgage. On XX/XX/XXXX phh mortgage stated that they sent me a check for XXXX for repair materials as well as pay a contractor for the work. On XX/XX/XXXX I spoke with a XXXX, she said that she doesn't have a last name regarding the funds. She stated that was the amount alloted to begin the repairs and that I can requestor funds at a layer date. I told her that I'm living in a hotel due to the damage and that amount will barely cover the materials. XXXX said that i can pay my mortgage balance In full and phh mortgage can release the funds in its entirety. I asked to speak to a supervisor and was informed that a supervisor isn't available that someone can possibly call the next day. I insisted that there has to be some type of manager that I can speak to. I was placed on hold for 30 mins just for XXXX to return to the line stating that the loss department is closing at XXXX and someone will call the next day. Phh mortgage is committing insurance fraud by not releasing the funds for my home repairs. 
If they are illegally collecting interest on funds that are Intended for me to repair my home that interest should be transferred to me. In the meantime I am unable to return to my home while they play games with the home insurance money. Phh mortgage is scamming consumers out of their home owners insurance repair funds.
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (NC)

I have made several attempts to have my co-Signer release from my private loans. They have made it so difficult its almost impossible. I needed to provide a ridiculous amount of paperwork, only to be denied with a XXXX XXXX XXXX. I received from Navient that only my financial obligations were too high, even though i have never missed a payment on the loan.
Consumer complaint received 2024-08-02
Product: Credit 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: Chime Financial Inc (NY)

XX/XX/XXXX, I rented a vehicle from XXXX rental car and my chime credit builder card ending XXXX was swiped ( pre authorized : charged ) for XXXX. That was for deposit and rental period, which can be changed at the end of the rental to a different card. 

When the vehicle was returned the charges were put on another card not related to my chime account at all. The vehicle was returned on XX/XX/year>, and the deposit hold on the credit builder card should have been released. 

The XXXX location made a mistake I assume by charging my credit builder card XXXX without my permission. Keep in mind they only had an authorization on that card for XXXX so how they forced thru a charge of XXXX especially with the funds not being available is concerning. This unauthorized fraudulent action by XXXX has placed me in great hardship and I need it resolved immediately. I provided chime with a copy of the finally receipt printed directly off XXXX website that clearly shows no charges to the chime card and my rental was charged to another card and closed out. 

No charges whatsoever should be on my chime credit builder account. I am attaching the response I got from chime and all evidence.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Opened an account with Fifth Third Bank about 1 month ago. The banker misspelled my last name when typing it into the system. When he handed me paperwork to sign to open the account I noticed the misspelling and asked that it be corrected before signing anything. He corrected it and everything I signed had the correct spelling of my last name. I waited for the debit card to come and when it did it had that same misspelling that I had corrected before signing anything. I have tried twice to get the card reissued with the correct spelling of my last name and both times Fifth Third Bank has sent debit card replacements with the same misspelling despite the customer service agent verbally verifying the correct spelling of my name over the phone.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

I filed a previous complaint in XXXX of XXXX about Citibank decreasing your credit limit without notice and without cause. I am a paying customer, with a decent ( but declining due to these issues ) credit score, who pays on time consistently. Now they have done the same thing AGAIN.

Citibank is decreasing the credit limit they initially extend to you without notice or reason. They are decreasing it either to your current standing balance ( leaves a {$0.00} credit balance ) or under your balance ( making you over the limit ). 

If you are using your card without this knowledge, then you are going over your limit. This allows them to increase your interest rate and charge your over the limit fees. This is a money scam. If they are doing this to all their customers, the amount of fees being collected is enormous! 

The extension of credit is not truthful if it can be decreased without cause. They hurt your credit score and then penalize you for something that they created alone. 

I paid my bill on my account ending in XXXX on the XX/XX/XXXX. At that time my credit limit was XXXX. My credit use balance was {$15000.00}. My available credit was {$6400.00}. When I checked my account on the XXXX my credit limit had been reduced to XXXX and my balance was {$16000.00}. Unaware of the balance change I used the card to pay for a service. With the interest accrual and new credit limit I am now over the limit. Which allows them to charge me more fees. At the current time by credit score is XXXX ( as it appears on my Citibank account ).
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (VT)

I was contacted about an outstanding balance for an account with an energy company " XXXX XXXX '' based in Texas which has gone into collections and has already impacted by credit score. The amount is roughly {$500.00} unpaid from XXXX of XXXX, the collection attempts began in XXXX of XXXX. I contacted the three credit agencies to freeze my accounts, one of which investigated and determined it to be fraudulent and requested I contact the company directly. They advised me to file a police report and a report with the FTC ; I was then directed to CFPB.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/XXXX I have persistently been in disputes with Experian, XXXX, and XXXX along with XXXX XXXX XXXX in regards to reporting an invalidated account.Every month since initial contact in XX/XX/XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XX/XX/XXXX with balance of {$3300.00} to XX/XX/XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that XXXX is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.
Consumer complaint received 2019-06-21
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. (IL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-07-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (TN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I had a check for {$660.00} and a cash of {$1400.00} to deposit, since i got off at work at XXXX, by the time I traveled to my bank location in XXXX XXXX it was past XXXX, so I had to use the ATM for my deposits. There are XXXX cameras watching the ATM and there was a security officer sitting near the ATM also, the machine asked if I wanted to deposit check or cash or both, so I selected both. It asked me to deposit the check first which I did, then it asked me to deposit the cash, I also obliged but the ATM sucked in both the check and the cash and would not return anything. 
A notice appeared on the screen saying that this transaction could not be completed, that I should contact the XXXX number which is the same as the number on the back of my debit card which I did. The customer service rep said not to worry, that a temporary credit will be issued to my account pending their investigation which they did. So I didn't care to check again since a credit was issued. Last week, I had another check to deposit, i went to the same location and made that deposit, the machine said that a portion of the check amount is cleared while the balance will be reflected on my account the following day. The following day, I logged on to my mobile Chase app to see if that balance cleared which it did, so I kept scrolling in my mobile app to see my expenses, that is when I noticed that on XX/XX/XXXX, they reversed the credit they gave me for the cash of {$14000.00} citing that they couldn't find the cash. I took a day off from work and went to the branch where I always made my transactions and officially made a complaint that i need my money returned to my account. 
They told me that I should give them from 1-3 business days to do their investigation, that someone will call me. After 3 days, nobody called me so i gave them a call and they said, they couldn't locate the cash. I asked them, of all the cameras watching the ATM, and when they came to work the morning after I made the deposit, they found out that one of their ATM isn't working, who was the technician that fixed the broken ATM that my money was stucked in?, I couldn't get any response.
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (FL)

My father sold his home XX/XX/XXXX. He passed away  XX/XX/XXXX. His Mortgage company XXXX XXXX sent him an escrow check for the remaining amount of {$2000.00}. I reached out to XXXX XXXX in XX/XX/XXXX to have the check re-written under the name of his estate and supplied the estate info along with his living will listing me as executor. They took almost a month to re-issue a check but sent it to his XXXX XXXX again after I had already advised them that it was closed out sortly after his passing. They had to issue another check which took another month. I received the check the end of XXXX and submitted it to my fathers Estate Account on XX/XX/XXXX. The check was returned by XXXX XXXX XXXX   refusing to cash the check. I reached out to XXXX XXXX and they confirmed the check I deposited was the correct check. I was told that they would investigate. I called again two days later ... .No response. I called Loancare again on the XXXX and was told that I now have to email proof of deposit, the returned check, and the bank statement showing the return. I sent all this info via email as instructed by Loancare on the XXXX. I received an email back stating it would be resolved in 2 business days. I called again today as I still havent received a response. I was told now that they would have more info on the XX/XX/XXXX.  This should be a simple phone call to their bank. I am getting the run around from this company for months now. My father estate account is now over draft by roughly {$180.00}. I have already incurred {$12.00} in bank fees due to their error. I was advised by the bank  that their may be more. I do not have funds of my own to deposit in order to prevent the account from being closed. I have invested hours of my time to resolve this issue and it doesnt seem like its possible with this company.