davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STERLING BANCORP (NY)

I have an account with Sterling National Bank & because of the relationship between a Bank officer & a former employee of mine that I terminated on XX/XX/2021, Sterling National Bank tried to preclude me from appointing a Power of Attorney & insisted that I retain the former employee I terminated due to financial irregularities & Sterling National bank freeze my accounts as of XX/XX/2021, until this date XX/XX/2021, But the formerly terminated employee with Sterling National Bank still has access to my account & Sterling national allowed the same person I terminated to Close my accounts & transferred the balance to a new Account, Using only one signature to close my account & my accounts clearly states that two signatures are required, I have 18 sent letters to the Executives of Sterling national bank since XX/XX/2021, & never received a single response from anyone at Sterling National Bank to this date. I still don't have access to my funds in the Bank, Since XX/XX/2021 & this date XX/XX/2021.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I am trying to pay extra on my student loan each month but the Navient website does n't allow for it. If I pay ahead it will show as no amount being owed for that month. Plus it will not allow me to split out the extra payment amounts to each loan. My goal is to accelerate the payoff on my smaller loan balance but in order to do this I have to make the payment via the website, then call Navient and ask them to manually split the payment. It seems like an inefficient process plus I feel like they are dissuading me from making extra principal reductions in my loans.
Consumer complaint received 2023-06-22
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. (MI)

im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. Experian will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. Experian is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including XXXX and XXXX in this, these need to be removed as well from my credit file thanks for your help
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

Chase Auto told my husband that we didnt owe anything else when we asked them several times. We requested the buy out documents from chase to give them the credit union to process our car loan to buy our lease. The credit union failed to process the loan on time and didnt communicate with us. Chase claims they sent out a notice on XXXX XXXX to us but we never received it but Chase Auto loan is blaming me for that. Anyways, I just received two separate letters both dated on XX/XX/2021. One letter is stating basically that my account is passed due and the other one stating that if not taken care of within 10 days from when the letter is dated, my car will be repossessed. I paid it today because it was just communicated today through these two letters. My credit score dropped 136 points as a result to chases lack of communication. Chase always sends me a live bill and once they became aware that I was taking my loan business to the credit union, they suddenly decided not to send me a live bill for the first time in 3 years? Like they wanted to purposely watch me fail? They expected me to know to go online and check that I had a balance after they originally told me I wouldnt owe them anything anymore but owed the credit union from now on. But yet Im being held responsible even through I never got the first letter nor a live bill? I had perfect credit and so did my husband. But they ruined both. Why would we in our right minds decide to mess up our credit scores on purpose? It was all done without our knowledge. Why would we be perfect on making payments to chase throughout the whole lease and purposely want our credit score to go from 800 something to 600 something? The answer is we wouldnt. Please help. I have never been late making my auto payments and would have appreciated a expected a call from them out of respect since I have been a good customer. It was a lack of communication.
Consumer complaint received 2021-08-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I am on Social Security and since XXXX I have arguing with Wells Fargo who holds my First Mortgage. I get paid the XXXX XXXX of each month and Wells Fargo wants their payment on the first  of each month. I am charged {$38.00} each month and they refuse to change the billing date or the date. I have been told that there is no way possible to make any changes. 

I would like all the money I have been paying be applied to my principal and sent a updated statement as well as a letter explaining what has been done.
Consumer complaint received 2023-10-19
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)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2021-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MD)

Amount of Loan : {$1200.00} Date of Loan : XX/XX/XXXX to XX/XX/XXXX Interest rate : 690.00 % Complaint : the interest rate is too high. Isn't there a law about how much a consumer can be charged for interest on a loan. 
Payments : {$320.00} bi-weekly On Wednesday XX/XX/XXXX at XXXX XXXX, I talked with XXXX at the following phone # : XXXX. She could not help with securing me with a lower interest rate, even though I told her that the present interest rate is against the law. 

What I would like CFPB to do for me : GET ME A LOWER INTEREST RATE, please. 
Address of Lender : Niizhwaaswi , LLC d/b/a Loan at Last ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WIXXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

XXXX XXXX XXXX wrongfully reported a timely and fully paid damage claim to their designated collection agency ( Transworld Systems Inc. ) Without success, I notified both, XXXX XXXX and Transworld Systems Inc. on XX/XX/2023, and on XX/XX/2023, by telephone and written letters, respectively. A canceled check, referencing the final payment was negotiated on XX/XX/2023. A letter was received on XX/XX/2023, from XXXX XXXX that the document subject claim was fully paid and the claim is closed. Yet, XXXX XXXX and Transworld Systems Inc., fail to update their database to show that the claim was timely paid and any collection agency action, including reporting the claim to credit bureau reporting agencies.
Consumer complaint received 2023-10-19
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)

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 1681.

has violated my rights. Or a list of inquiries : 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 a 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.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX and Transunion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I will attach a copy of the snippet from my credit report. Its appears that Experian did not correctly investigate for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per Experian no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on Experian 's credit report. 

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXXXXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

My checking account disappeared from my online banking and app of chase. The situation started sometime between XXXX. XXXX and XXXX. XXXX. The situation ends on XXXX. XXXX. However, I am writing to complain several things during the time period. 

XXXX. There was a customer service person reaching out to me regarding management and investment for my other accounts. I complained about this. He promised me this can be resolved and the rent I already scheduled out on XXXX. XXXX will arrive on time. He also made a follow-up call for XXXX. XXXX, after assuring me the rent I paid will be received by my landlord. Turns out this is not the correct information, which results in a {$37.00} fine from my landlord. 

XXXX. From the XXXX, I tried to reach out to chase in other means than phone call because I was sick and wasn't able to speak at that time. The chat bot on the app was not helpful. But later I I can contact chase on the social media, therefore I contacted it through twitter. I believe this was how the disappeared checking account got restored. 

XXXX. On XXXX. XXXX, the customer service person reached out to me again. Since he doesn't has accession to resolve my issue, he redirected my call to another customer service person ( the second customer service person ). The second one wasn't able to listen to my problem or understand it, because he insisted to look for a {$37.00} charge on my account. Therefore, he transferred me to a third customer service person. 

XXXX. The fourth customer person seems to be trying to trick me to say something against my advantage. She tried to make me say I didn't make the phone call regarding my account. However, I was reached out to by a customer service, and I reached out to chase by other means when I was not able to speak. She then said my account was frozen at that time because it was suspected having some fraud. I asked her why chase didn't give me any notification about this suspicion or account frozen issue, she said she need to redirect me to the security department but then the call was hung up. Moreover, the " fraud suspicion '' was incompatible with the explanation in the secure message on XXXX. XXXX, which states that the account was dormant, not frozen.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX  XXXX and XXXX and also sent Portfolio Recovery Associates debt validation in which Portfolio Recovery Associates has not responded.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Inter & Co Payments, Inc. (CA)

I opened an account with the " XXXX XXXX '' mobile app about 2 months ago ( XXXX ). The app was working fine then. I deposited {$10.00} to my XXXX XXXX account. Then I didn't use the app for a while. 

In XXXX, I started getting an email that I would have to migrate my account to their new platform called " XXXX XXXX Co '' because their existing " XXXX XXXX '' platform will be discontinued. So I tried to log into my XXXX XXXX app. For some reason, the app keeps crashing a split second after the app logs me in. I tried everything from re-installing the app, clearing data, clearing cache. None of these worked. 

When I tried to sign up from their new app called " XXXX XXXX Co '' ( following their " account migration '' instructions, I keep getting a message saying " You can not open a full account at this time, sorry ''. 

I tried to contact the support multiple times, but I never get a response. 

Basically, they have my money in XXXX. I feel they stole my {$10.00} from me, since they keep ignoring me and I have no way of accessing it while they're saying the existing platform I signed up for will be defunct soon, gone, along with my money. 

My name is XXXX XXXX, my phone number is XXXX. 
My registered email is XXXX. 

I would appreciate your help in getting my money back from this company.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Starting with equifax auto consumer reporting agency I have working address, wrong date of birth, wrong social security and wrong accounts. 

XXXX have the same issues but anothers different address and accounts doesnt belong to me.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MS)

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX The above accounts are reporting on my experian consumer report illegally without my consent and violating the Family Educational Rights and Privacy Act. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). These accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This law states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the U.S. DEPARTMENT OF EDUCATION my written consent nor have i given XXXX my written consent to report this information. Therefore I demand that the above accounts be deleted due to the fact that they are illegally reporting.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Chase checking account : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX On XX/XX/XXXX XXXX wire fraud transfers without my authority from the above checking account. 
1st wire fraud transfer was for {$2400.00} ( Online domestic wire transfer Via : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 2nd Wire Fraud transferfor {$2600.00} ( Online Domestic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These two fraud wire transfers were not authorized my me and I was not notified by Chase by any means. I called Chase TEXT Department and they tell me that day ( XX/XX/XXXX ) they did not send me any text message. I never use wire transfer before and I don't pay rent because I owned my own house. I don't know who is XXXX XXXX I did not log in Chase account on XX/XX/XXXX. On XX/XX/XXXX when I log in and found out the unauthorized transfers, I noticed Chase immediately
Consumer complaint received 2023-10-19
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Bread Financial Holdings, Inc. (TX)

Today on XX/XX/XXXX I received an enclosed letter from Sephora saying that I owed them XXXXXXXX XXXX XXXXI never opened a card with XXXX and even attempted in the past to call them and let them know that it wasnt me.They told me there was nothing they can and it would most likely be posted to my credit if nothing was done about it .I feel like it should be taken completely off my report because I definitely never opened a card with them before.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Subject : Inaccurate Debt Collection Attempt by XXXX XXXX XXXX for XXXX Account Dear XXXX and Experian, I am writing to address a concerning issue regarding inaccurate information on my credit reports from both of your bureaus. Despite successfully removing the original account named XXXX from all three credit bureaus, I have recently encountered attempts by a debt collection agency, XXXX XXXX XXXX ( account number XXXX ), to collect a debt that no longer exists on my credit reports. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer information reported by credit bureaus. I took appropriate steps to dispute and remove the XXXX account from my credit history, and it is alarming to discover that XXXX XXXX XXXX is now attempting to collect a debt that has been resolved. 

The sequence of events is as follows : I initially disputed the XXXX account due to inaccuracies, and it was successfully removed from my credit reports after investigation. However, XXXX XXXX XXXX has recently initiated collection efforts for this same debt, which has caused undue stress and confusion. 

I request a thorough investigation into this matter by XXXX and Experian. XXXX XXXX XXXX XXXX attempts to collect a debt that has been removed from my credit reports must be addressed promptly and in accordance with the FCRA. 

I appreciate your attention to this urgent matter and trust that you will take appropriate action to rectify the inaccuracies on my credit reports. Please keep me informed of any developments regarding this issue. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-04-19
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. (AZ)

I submitted a dispute to Experian regarding accounts - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX they are closed and charged off but they are still showing as PAST DUE. That is inaccurate and therefore should be deleted per- FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.