davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
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: TD BANK US HOLDING COMPANY (AR)

Someone illegally tried to apply at XXXX for a credit in my name with an address of XXXX XXXX XXXX XXXX XXXX ar XXXX. My correct address last XXXX years is XXXX XXXX XXXX XXXX ar XXXX. The XXXX credit card was refused for low credit score but ALSO for using a false address. I did not apply for the XXXX card. Please remove the XXXX XXXX XXXX XXXX XXXX ar XXXX address from my record please. The correct one is XXXX XXXX XXXX XXXX ar XXXX. The one before that was XXXX XXXX XXXX XXXX ar XXXX. My phone number is XXXX XXXX XXXX. Id appreciate it very much correctly correcting the false address put on my credit report. Thank you for your attention to this matter.XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX maiden moms name XXXX.
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (NY)

I noticed the problem in XX/XX/XXXX Incorrect Information : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

Back in XX/XX/2023 I tried depositing {$1300.00} into the ATM after work because the bank was closed. I forgot to grab my debit card and the next morning I got my card back, but no money got deposited. The bank said that their ATM didn't have an outstanding balance. They said they would put a ticket in for the cameras and that never got checked. Now they have closed my account with a negative balance and I can't open a new account anywhere.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Two main issues : 1 ) Apparently someone set up an account using my SS and I am unable to reset the password since they have set up 2FA to a phone that I do not have access to. The company does not provide a means of reclaiming the account on experian.com once it has been created by someone else with publicly available information. 

2 ) When I tried to create a new account using a different email address as suggested on XXXX XXXX, Experian forced me to accept opening a new " digital checking account '' with them in order to sign up. There is no option to proceed in the general account sign up process WITHOUT creating a digital checking account. 

I was able to call and cancel the account raised in point # 2, but have been unable to fix the first problem. The account rep for the checking account cancellation said he was unable to connect me to a live account rep to try and fix the log in problem.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NV)

On or about XX/XX/XXXX I noticed a ACH purchase on my account ending in XXXX. I called JP Morgan Chase reported it and was informed that " THERE WAS SEVRAL OTHER ACH PURCHASES FROM A PLACE CALLED XXXX ''. I informed them I have never " AUTHORIZED ANY CHARGES TO MY ACCOUNT ''. They at that time issued me a credit for approx {$700.00} to cover the fraud to my account that went back into XXXX OF XXXX clearly past the 60 day cut of they are saying is reason of my claim being denied. Approx On XX/XX/XXXX I noticed that JP Morgan Chase REVERSED the fraud credits and denied my claim at XXXX for not filling out a ACH DISPUTE FORM in which I never at any time received it in mail to even fill out and send back to them. I contacted claim unit was told to " GO INTO BRANCH ANF GET FORM FROM A BANKER ' In which I did the same day form was sent to them from the branch claim was re opened. I then get attached letter from JP Morgan Chase now informing me that reason for denial of my claim is due to me " NOT REPORTING IT WITH IN 60 DAYS ''. I informed them that 'I NEVER NOTICED IT ', and was informed that XXXX ONLY COVERS FRAUD OCCURED IN LAST 60 DAYS ''.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am writing to formally request the immediate deletion of the XXXX XXXX ( XXXX XXXX XXXX XXXX ) account from my Equifax consumer report. This account was reported without my consent and falls under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction, constituting identity theft as defined by the Federal Trade Commission ( FTC ). 

Firstly, I want to clarify that this account is not related to any transaction authorized by me. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 

The reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, including attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. 

In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. 

Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I requested a School Misconduct discharge for my private loans from Navient from The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. They denied my request of a discharge even though my federal loans have already been discharged due to a court approved ruling that my school was involved in misconduct. Navient 's denial response was vague and read : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Consumer complaint received 2024-07-01
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: DISCOVER BANK (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I recently received notification that my private loan school misconduct application was denied. I am requesting the specific reasons why this was application was denied. Navient said I dont meet the requirements but failed to give any reason whatsoever why I was denied. i would like send to me the exact specific reason I dont qualify in detail and a way to resubmit the application. When these schools have already been found fraudulent in a federal court and all federal loans have been forgiven why havent these loans from the same school. 

Here is the response I received from Navient. 

We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Contacted me today, Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. EST. stating that he was looking for someone else, and that my telephone number is associated with the individual. I informed him that his call is unlawfull, to contact others regarding a specific individual and notifying them that they have a recovery agent calling regarding the debt ( s ) of another. I did record the call, as I live in a state that recorded telephone calls are permitted, and lawful. At the end of the call, the agent called me a " XXXX ''. That is also on the recording. The alledged recovery agent is from PORTFOLIO RECOVERY SYSTEMS, stating that they are located in the state of Kansas. Another agent refused to give e a location at all.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I bought a counterfeit worth {$550.00} on XXXX on XX/XX/XXXX. I applied for a dispute with the bank and uploaded a lot of evidence with the dispute department, but the bank took back my refund On XX/XX/XXXX. 
Date of inquiry : XX/XX/year> Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX Chase bank
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

The auto loan on my XXXX XXXX XXXX has been paid in full on XX/XX/XXXX. I am trying to sell my vehicle to XXXX. Got an offer from them to buy my vehicle. I thought I misplaced the title so I went into XXXX XXXX XXXX and requested a duplicate title. They advised me that Kia motor finance company still holds the lien. I called Kia Motor Finance ( KMF ) XXXX customer service on XX/XX/XXXX, requested the lien to be released. They advised it'll take 10 days and they will mail it. I requested it to be expedited due to the buy offer will expire. They said it can be done in 5 days. I requested my address to be updated from the old on file was XXXX XXXX XXXX XXXX OH to the current one XXXX XXXX XXXX  XXXX OH XXXX. They said it was updated. I requested it to be faxed to XXXX XXXX XXXX and gave their fax number XXXX. Customer service said the request was sent to the Lien Release Department. Then I waited. I kept calling XXXX XXXX XXXX to see if it was faxed and waited for the title to arrive in the mail. Nothing happened. Then I called KMF multiple times and spoke with supervisors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I didn't take down their names. On the last call I learned that they did not update my mailing address as my deceased husband was the primary on the loan. No one mentioned that they can't do it, they confirmed multiple times that it was updated. This resulted in allegedly them mailing the title to my old address on XX/XX/XXXX and XX/XX/XXXX. I know the owner of my old house and he never received anything from KMF in the mail. I also learned on the last call that KMF does not allow Notarized documents, such as the lien release on the Title to be faxed. No one I spoke with mentioned that before, just kept promising that they requested the Lien Release Department to fax it to XXXX XXXX XXXX. Then they say they don't have a fax machine, nor XXXX and can not send secure emails despite me giving them my consent to do it. For all this my twice extended buy offer expired with XXXX. I asked KMF to XXXX  it to my correct ( finally updated if I can believe them ) mailing address but they can't do it unless I give them my XXXX  account number and I pocket he cost. I thing their Customer Service Representatives and Supervisors were giving me misleading and incorrect information. I can not see a large company with no ability to fax, XXXX or secure email a document or pocket the cost of XXXX  to make their lack of lien release from XXXX right. I am losing out on my offer and the next offer from XXXX is XXXX Dollars less due to the delay in obtaining the title / lien release. I also need to renew the tags now that I was not able to sell it within XXXX that is my birth month and like to get compensated for the XXXX tags renewal fee. I am requesting to be compensated for my loss. I am also requesting KMFs procedures to be verified as I feel like I got conflicting information.
Consumer complaint received 2024-07-30
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. (NC)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (OH)

Filed a dispute with Experian because company has reported the same account twice on my credit report and denies that they have done so. The company has changed the amount due by {$1.00} so that it looks like they different debts but they are not. Company has also reported on my credit report a & XXXX debt that has been paid in full since XX/XX/XXXX. Company stated that " Information is accurate '' and will not remove the second instance for the same account from my credit report.  Company also will not tell me why this medical debt was never sent to my insurance company or give me a statement of account to show that this debt is even valid. I would like this resolved immediately.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a checking account with Citizens Bank on XX/XX/XXXX. They advertised a {$400.00} welcome offer upon ( XXXX ) receiving a direct deposit of {$500.00} or more within 60 days of account opening ( {$300.00} ) and ( XXXX ) using the linked debit card towards new purchases, {$2.00} per purchase, XXXX purchases maximum ( {$100.00} ). 

I made my initial direct deposit of {$500.00} on XX/XX/XXXX, 11 days after account opening. It is now XX/XX/XXXX, and I have still yet to receive my welcome bonus. 

Actually, upon account opening, it took me several calls and months to receive the corresponding debit card for the checking account. I don't recall the exact date of arrival, but my email confirmation indicates that I received the debit card around XX/XX/XXXX, nearly XXXX full months after account opening, disqualifying my eligibility for the debit card portion of the promotion entirely and to which I expressed my disappointment and dissatisfaction. I was told that the bonus for the direct deposit portion would take sometime to process. 

I reached out again after the holidays on XX/XX/XXXX and was told that they would launch an investigation into why my account has not been credited and get back to me within the week. 

I contacted them again on XX/XX/XXXX for an update and received nearly the exact spiel in previous interactions. 

I had a hectic spring/early summer and have not had the time or energy to continue to chase them for answers. They don't seem to want to honor the promo, but I would've never opened an account with them without such an attractive offer.
Consumer complaint received 2024-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC. (VA)

I applied to Guaranteed Rate Inc. for a HELOC. They approved my application within 48hrs. A few days later I logged into my XXXX checking account to find that Guaranteed rate had transferred the entire line of credit ( $ XXXX ) into my account. I logged into their website and it showed my payments were interest and principal for the whole amount with a payment of over $ XXXX per month. I immediately called them and was told 'thats how our HELOC works " I told them thats not what I wanted and they told my my rescission date had been one business day before they transferred the funds. This is completely false advertising as it is actually a high interest loan NOT a 'line ' of credit. I have paid everything back and closed the account. I would like to seek compensation for the stress and expense that I incurred and to make sure this is stopped so that others do not fall victim to what I believe should be illegal fraudulent practices.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc. (IA)

On Monday, XX/XX/scrub> 2024, I initiated a transaction via Sendwave to transfer {$2000.00} from my XXXX XXXX XXXX account to my XXXX XXXX  account in XXXX. I am both the sender and the receiver of this transaction. Although the amount was deducted from my XXXX XXXX XXXX checking account, the corresponding funds were not deposited into my XXXX XXXX account in XXXX. 

Upon contacting XXXX XXXX  in XXXX, they confirmed that the transferred funds were not received. Despite the transaction showing as complete and delivered on Sendwave 's platform, XXXX XXXX  provided evidence to the contrary ( see attached ).

I reached out to Sendwave for assistance and requested the anticipated crediting of my XXXX XXXX  XXXX XXXX account. Unfortunately, they did not respond to multiple emails and chat conversations, despite assurances that the issue would be resolved. To date, Sendwave has not resolved the matter and has ceased responding to my emails.

As both the sender and receiver of this transaction, I find that Sendwave has failed to refund the undelivered {$2000.00} debited from my XXXX XXXX XXXX checking account. They have also misrepresented information and, despite being aware that they did not deliver the funds as requested into my XXXX XXXX  account in XXXX, Sendwave continues to show the transaction as successfully delivered on their app. Furthermore, they disputed the chargeback claim I raised with my bank ( XXXX  XXXX XXXX ), asserting that the transaction was valid. While I agree the transaction was valid since I initiated it, Sendwave fraudulently refused to credit the recipient account ( myself ) with the required funds in XXXX XXXX. 

After many weeks and following my discussions with Sendwave via phone calls and emails, they agreed to manually refund the money if I withdrew the dispute claim I had raised with XXXX XXXX XXXX, which had led to a chargeback on their account. Consequently, I instructed XXXX XXXX XXXX  to cancel my dispute and reverse the chargeback, which they did. The {$2000.00} was returned to Sendwave ( see attached ). I did this in the hope that Sendwave would fulfill their promise of manually refunding me.

Unfortunately, Sendwave has failed to honor their commitment to refund the {$2000.00} to my XXXX XXXX XXXX debit card account. I deeply regret using the Sendwave platform to send money overseas. They operate like fraudulent actors. When transactions are not delivered, they do not respond to emails, and their agents provide generic responses via chat. They should be avoided at all costs.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute inaccurate information on my credit report regarding late payments. Over 30 days ago, I sent letters to your company requesting validation of these reported late payments, but I have not received any response or satisfactory evidence to support them. 

Despite my efforts to resolve this directly with your company, the incorrect late payment information remains on my credit report. This is negatively impacting my credit score and ability to obtain financing. I have included copies of the relevant portions of my credit report along with this letter. 

I am respectfully requesting that you investigate this matter and promptly update or remove any unverified late payment information from my credit report. Accurate credit reporting is crucial, and I expect your full cooperation in correcting these errors.