davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (CO)

I started paying bi-weekly as of XX/XX/year> and chase bank have made it nothing but impossible to track my payments. Currently there's XXXX payments being " held in unapplied accounts. '' I am currently 2 months ahead but they aren't " applying my payments '' to the loan and are just holding my money XXXX. There's a total of {$3400.00} being held and not applied to the payments. When I initially called them out on it they tried to make me jump through extra hoops and asked me : in the year XXXX to fax them some documents because they lost or couldn't find my payments. I was using my online banking bill pay. When I said no that's ridiculous I can send all the information I need to via the secure chat feature and I'm not sending you a fax. Find my money. Suddenly they " found my check. '' So to try and appease them I switched over to their auto debit of biweekly payments that way. Which led me here. As I have discovered they are yet again holding the money and not applying it toward the payments. And whenever I ask about it I'm given the run around with all sorts of bs and no actual answers. I'm also XXXX because I didn't finance this loan through Chase for this very reason of them being shitheads. They unfortunately bought our loan so we have no other options. It's not like we're going to throw away that XXXX % interest rate. Maybe they're hoping if they're a XXXX enough service I will. But jokes on them I'm a petty XXXX too and won't take no for an answer.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (AZ)

I went to XXXX XXXX from XXXX. Before I applied and got accepted, the school had a prestigious reputation. There were some rumors and talks about a lawsuit where there were false claims from the school telling students they would make certain amounts of money. Everyone working at the school reassured me and the prospective students that these claims were in the past and the school was different now. Of course, I believed it and proceeded to apply to the school and be surprised when I got accepted thinking it meant they liked my work and saw potential in my photography. Then shortly after I started going to XXXX XXXX, it got sold to XXXX. Immediately everything changed. They sold the old school where XXXX XXXX started. XXXX changed a bunch of staff members. And as a young adult, I got pressured in to always applying for and taking the maximum amont of student loans that I could. Even after asking why because I could tell it was too much, the " counselors '' pressured me in to taking the max amount. I was told multiple times to take the max amount and then immediately pay back whatever I thought I didn't need. Looking back, I see how obviously predatory this was but at the time I did not know any better. I was not alone in this practice. All of my friends and classmates that needed help paying for the extremely expensive schooling were told the same things. Take the max amount whether you need it or not. We were also told time and time again that we could come out of school and immediately be making upwards of XXXX per year as XXXX XXXX Few of my classmates found work as XXXX  and none of them made anywhere near that amount. XXXX and XXXX XXXX lied and preyed on students repeatedly for many years. This is why all students who attended that school should have their loans canceled and all the money, including interest, should be returned to the students who fell victim to that predatory school. To date, I have paid {$97000.00} in private loans and I'm one of the lucky ones that managed to have a relatively lower, though still predatory and ridiculous, amount coming out of that school.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

its been over 2 years since chase has placed a hold on my account and everything is changing every time i call. they tell me something different. they also told me i need to bring the maker to the bank. the deposit was never return it was never fraud nothing. i called today and its still the same thing.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since around 2023 affiants personally identifiable information continues to be trafficked by third parties without consent, or copyright license through an organized criminal scheme to deprive liberty under color of law. 

Affiant has been denied housing due to the dissemination of false and derogatory information by credit reporting agencies and tenant screening companies, who knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright protected indigenous property for illicit financial gain and profits. 

These entities have willfully infringed upon Affiant 's exclusive rights as a copyright holder protected under the XXXX XXXX 's copyright registration XXXX, with the Treaty accession XXXX, by trafficking materially false information and engaging in unlawful screening practices against protected persons and property of the indigenous people.
Consumer complaint received 2023-09-22
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. (NY)

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX they are not removing this report from the record, every time i run my credit they showed up, this company charge me 1 years or more longer ego but still not removed from my file, i will file complain to court if they still dont remove it, they do not have right to leave this info on my profile which i paid long time ego.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

On XX/XX/XXXX received a phone call from XXXX XXXX ( First Horizon Bank- XXXX, stating she was placing a temporary hold on XXXX XXXX banking account. 
On XX/XX/XXXX XXXX XXXX gave authorization to XXXX XXXX and XXXX XXXX XXXX of Attorney. All paperwork has been notarized and and registered with XXXX XXXX offices. 
On XX/XX/XXXX told by XXXX XXXX that a letter from the doctors office would need to be submitted which was submitted on XX/XX/XXXX. 

XX/XX/XXXX told by XXXX XXXX that we would need to get an attorney because she and First Horizon Bank determined XXXX XXXX was not in her right frame of mind when she gave a the above power of attorney. Due to XXXX XXXX and First Horizon not allowing us to make decisions on the account XXXX XXXX has been scammed approximately {$15000.00}. 
The bank is a financial institution and not medical and should not be able to make decisions of ones mental status. XXXX XXXX informed us that we will need to get an attorney. However in the mean time the bank account is still open and risk the possibility of more money will be taken out of her account.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I deposited XXXX overnighted to me by a friend to help me with a tax lien and HOA lien and those XXXX XXXX  put a 9 day hold on the funds! Putting my home in jeopardy- I would never have deposited it and quite frankly after I take care of things Im closing account with them and also reporting to Attorney Gen & OCC . 
they have branches everywhere they are just floating funds Regions XXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I made a large deposit by check to my business account ( dba ) from a familiar bank. The teller advised that the " system '' was placing a hold for 2 days on the check, however the funds were not released as expected. Upon calling the bank multiple times to request release of the hold, I was provided with intentional misrepresentations by the CSR. These were the reasons given to me : 1. The issuing bank didn't participate in 3rd party verification, 2. The funds weren't available from the issuing bank, 3. There is a systematic hold for the check lasting an additional 7 days, and finally 4. The issuing bank didn't " fully verify '' the check although the issuing bank stated the check should clear anytime now ; therefore, the hold will continue until the expected date of XX/XX/XXXX. I asked for corporate numbers to file a complaint, spoke with different departments in an effort to be transparent and assist in clarifying whatever issue there was in regards to the originality of the large deposit. However, the bank didn't provide corporate number or a reasonable explanation for the extended hold on my funds. I asked to close my accounts and was told I couldn't do that until the check clears. However, in previous similar situations with this same bank for smaller check deposits, the local branch has told me that given the " amount '' in the account at the time, the bank would be issuing me a check and sending it to the mailing address on file!!! I expect to receive the same response from the bank when I once again attempt to close my account.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

I was in a position that I had to take a loan with Spotloan due to unseen circumstances regarding my employment and I could not get a loan anywhere else. They were great for that, however I lost my employment over a period of 18 months without financial assistance from anyone else or unemployment benefits ( due a 2020 over payment ) as they denied my claim. I got cut off from everyone in my life due to my lifestyle as a XXXX XXXX and my unfortunate circumstances regarding employment as they felt it was the same pattern over and over. In addition, I lost my car and my home. I explained to them that I was unable to pay anything back even {$5.00}, they still did not care, I gave them several chances to make this right and forgive the debt as I do not have $ XXXX to pay towards anything and that my future income as well my current income which {$0.00} would not allow any further debt repayment to them. THIS THEIR LAST CHANCE BEFORE COURT!!!
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

A fraudulent charge in amount of {$1500.00} posted to my Synchrony Mastercard on XX/XX/21. Synchrony was notified of the fraud, however, does not appear to investigate, no credit issued as temporary to date. I've looked into the charge myself ; it appears an item was ordered from a merchant, XXXX, shipped via XXXX under tracking ID XXXX, item was left at a drop off point, not my address. XXXX investigated, unable to locate package, advised to contact shipper. A copy of their email reply is attached via screen shot to this complaint. XXXX was notified as well, however, they refused to investigate, closed my XXXX account.. I request Synchrony look into charge, issue temporary credit, if possible.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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: Bread Financial Holdings, Inc. (SC)

XXXX is reporting duplicate accounts on my credit file. XXXX XXXX XXXX and Comenity Captial/Big Lots ; Comenity Bank/Victoria Secrets and Comenity Bank New York & Co are attempting to collect the same accounts and reporting on my credit file duplicates.
Consumer complaint received 2023-07-29
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

To : LVNV Funding/Resurgent Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Debt Amount or Balance : {$18000.00} Dear LVNV Funding : I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. 
Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer XXXX. 
This is my 3rd time reaching out to you guys, 2nd time requesting a signed agreement or contract between ALL parties. I expect a response with not only supporting documents, but signed documents between all parties including the original creditor, within 15 days or less. If XXXX is unable to do so please have this removed from my credit report immediately. The documents submitted on both occasions by the collection agency are NOT what I am requesting, please read this letter carefully for better understanding. Per say FCRA 1692g ( b )
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I have had problems with Wells Fargo charging me overdraft fees from the years XXXX. My money was deposited first and then they charged me overdraft fees. My health is not that great and this exacerbated my problems with my health. They should reimburse me for not only the fees that they charged me, but also for continually charging me fees even when they shouldn't. They are still doing this to me. It happened in again. XX/XX/2023 deposited {$20.00}. On XX/XX/2023 I was charged an overdraft fee and then it showed I deposited my {$20.00}. This has happened many times over the years. I want to be reimbursed for the interest as well as being compensated for the detriment to my health.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear LVNV FUNDING LLC, I am writing to report an incident of unauthorized debt collection attempts made by LVNV FUNDING LLC. Despite the debt not being owed by me, XXXX persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). The incident occurred over the past several years, during which LVNV FUNDING LLC repeatedly contacted me, claiming that I owed a debt to LVNV FUNDING LLC. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, LVNV FUNDING LLC continued their collection attempts. Furthermore, LVNV FUNDING LLC repeatedly contacted XXXX, XXXX, and XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). Numerous attempts were made to communicate with [ Debt Collection Agency Name ] to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. I urge you to take appropriate action against [ Debt Collection Agency Name ] to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (MD)

I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct,  ( XXXX ) XXXX, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several  correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a XXXX XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's  RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a  XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX mrcooper.com