davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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: JPMORGAN CHASE & CO. (NJ)

I booked a car rental through Chase Travel ( through my credit card ) and paid for it with points. I booked the rental at XXXX at the XXXX XXXX  back in XXXX. There was no incident with the car, car was picked up and returned within the reservation window, but XXXX charged my credit card separately for the amount of the reservation ( which was pre-paid through Chase Travel ). I called XXXX and asked them to refund it, they told me they were sorry but I needed to contact Chase in order to get my money back. I opened a dispute with Chase. I provided them all the forms and proof of payment and invoices that they requested. In this instance, they denied my claim. I called them and asked them why and they looked at the report and said they must've made a mistake, and advised me to go to the branch and talk to someone there, that they would be able to help. So I went to the branch in XXXX, near my office on XXXX XXXX, and spoke to someone there. He also reviewed the claim and said " this is egregious '', and reopened the case. Again, I submitted all the invoices, receipts, and forms they requested. In this case, they closed the dispute finding in my favor, and told me they had issued me a credit. When I looked at my transactions though, I did have another transaction with XXXX, but it was a " Rebill '' in the amount of the original cost I was disputing. So they actually charged me AGAIN. I called Chase about this, and was shuffled around XXXX times before someone told me I would have to open another dispute and submit a letter before they would be able to issue me a credit. Why should I believe that opening a THIRD DISPUTE over the exact same information will have a different result?
Consumer complaint received 2024-03-27
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: NAVY FEDERAL CREDIT UNION (VA)

XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ) intends to use the information for employment purposes ; or
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NC)

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( WELLS FARGO ), in case legal action becomes necessary : Authorized Signature of Creditor :
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.
Consumer complaint received 2024-03-21
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I had gone through a rough divorce and my pay had been significantly cut due to a change in employment. I stopped payments on the accounts that I had filed XXXX XXXX bankruptcy on. Obviously this resulted in late payment reports on my credit reports. Fast forward to XXXX and Randolph Brooks Federal Credit Union had continued to report my payments as late even though my discharge was official in XXXX of XXXX. I contacted RBFCU in XXXX of XXXX when I noticed I kept having accounts reporting as late payments. They were able to stop the reporting and corrected the late payments but it now shows on 2 of my reports that my last late payment was 10-11 months ago and the other shows 2.5 years ago. Also they show that in XXXX all accounts were " charged off as of XX/XX/XXXX and XX/XX/XXXX '' as per my documents attached. This is incorrect. XXXX was over 4 years ago so this is an error. The Charge off/ Included in bankruptcy should have been in XXXX not XXXX. Not only that, the way it is reported, I have been denied loans. The denials stemmed from a recent bankruptcy. When I followed up on this, I was told it was being reported that I filed bankruptcy in XXXX of XXXX. That isn't true and it is negatively effecting my credit. I own up to my bankruptcy in XXXX but that was the last time I have made a late payment. I have worked hard to keep myself out of the position I found myself in and find it very disappointing I have to jump through so many hoops to get this corrected. This is very negligent and shows the lack of checks and balances in our credit reporting process.
Consumer complaint received 2023-05-08
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: Nelnet, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and Account # XXXX, have violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without a permissible purpose.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

I opened a checking account with PNC Bank on XX/XX/2024. I applied for it online and was approved to open my account. I made one deposit for {$240.00} and have not had any other transactions. Over the next 5 days until now, they've locked my account 3 times. I was able to call and get the issue resolved without a problem the first 2 times. Their was no explanation for why it occurred. Now this third time, they are acting like they cant verify me over the phone and insist I step into a branch with ID to unlock it. First and foremost, there is absolutely nothing that took place that warrants my account being locked 3 times in 5 days. Second, how is it that after twice resolving the problem already, that they now somehow can't verify me with the same exact information. Third is the fact that XXXX XXXX XXXX XXXX and cant step into their branch without some form of divine intervention. I dont have an accessible vehicle that could get me there and my XXXX XXXX XXXX XXXX. I've explained this several times to just as many agents but they refuse to find another suitable solution. My info on the account has not changed from the day I opened it, 5 days ago. I only ever accessed my account from my phone or laptop and no one else is even aware that I have this account there. I dont share my login info, my password with anyone. There is absolutely no reason why PNC shouldnt be able to find a way to restore access to my account without having me physically in their branch, when thats nearly impossible for me and when nothing has changed or warrants this action.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

In XXXX of this year I received a notice from Round Point Mortgage who recently started servicing my loan that my hazard insurance had lapsed and I would have to buy insurance through them if not taken care of. My hazard insurance is supposed to be paid by my escrow account. 

I paid for the insurance using my credit card and then called roundpoint. They asked for documentation and I sent them the policy info ect. I explained that I am now out money because my escrow account failed to pay for my policy and I had to pay out of pocket.

Some days later I received a call from roundpoint and they understood I wanted to add another policy to my escrow account. I again explained no, this has always been paid by my escrow account. They said they would have to undertake an escrow analysis to pay me back now.

A few weeks later ( XX/XX/2024 ) I received an escrow analysis in the mail that showed my hazard insurance on there XXXX. Partly this is because my policy number changed at the california fair plan. Now that its on there XXXX  and because its {$2000.00} a year I am now paying above and beyond in my escrow account to accomodate the XXXX  policy. 

I called Roundpoint again. It has not been a couple months of having the insurance payment on my credit card gathering interest. This time I said if not fixed I would contact the CFPB. They escalated me to a specalist that would fix the issue. The person identified that there is a XXXX  of my fair plan policy in my escrow account. They passed me off to someone else who again said they would have to do an escrow analysis.

I just received my escrow analysis and the XXXX  of the california fair plan hazard insurance is still on there and the extra escrow money is still included in my payment. I'm unsure what to do at this point. They can not fix my issue.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (GA)

There have been a multitude of issues. The most simple one is BSI Financial Services does not receive emails from me that include attachments. The customer service team members ( XXXX and XXXX ) were unbelievably rude saying it was my fault because they receive emails from other people with attachments when I asked them to check with their IT team on why mine are not going through ( and to their point, my emails with attachments are delivered to other inboxes ). The 2nd issue has to do with a tax bill that they did not pay from escrow. I had alerted them that the tax bill was coming up, and emailed over the statements a month before it was due. I was told they would handle it. The due date came and went and I have had to contact them multiple times a week for a month, each time being told it would be handled until almost 60 days after the initial request when I learn that because this is a " supplemental '' tax bill ( I had appealed the initial taxes so it is not in fact " XXXX '' ) that I was responsible to pay it. They had told me it would be taken care of and now there are penalties because it is past due. The 3rd issue is that I have requested to be removed from escrow multiple times so I don't have to deal with these tax issue nightmares and they are refusing the request for no apparent reason.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I called mohela on XX/XX/year> to request a refund for XXXX XXXX forbearance payments that I made. The representative told me that she submitted the request. The payment request would have totaled {$690.00} I called mohela back today XX/XX/XXXX and was told that XXXX XX/XX/XXXX forbearance was not placed on my account and I would not get those payments back. Mohela constantly lies to me about my status and doesn't communicate well. I have sent multiple messages on their online portal to which I may get a generic response here and there. 

I was also told back in XXXX by a mohela representative in training that my loans were paid in full and not to worry. All these call are recorded. My loans in fact were not paid in full but were consolidated.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

In XXXX I took out a Parent Plus loan for my son. Over the years the loan was consolidated with XXXX and paid off prior to the pandemic. After the pandemic pause, I started receiving calls and mail from Mohela stating I owe them for a parent plus loan. All of my student loans were consolidated with XXXX and I have documentation from XXXX that all loans were paid. My thought is that when the pandemic pause ended Mohela used some bad records. I have asked them to send me historical information on this loan. The only thing they have provided was statements after the pandemic pause and nothing before. I think this is because again XXXX was my only servicer.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I called these companies several times last year to inform them there was inaccuracies on my credit report, but no results ever happened. There is just updates on my credit report that say i disagree.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (CA)

I was able to make my payments ahead. I no longer can do this. Ability to pay ahead in case of emergency is why I used LoanDepot for my mortgage I was assured that I could pay ahead and did so until XXXX 2023 Then they said I could not pay ahead anymore.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MA)

I applied in XXXX for reduced repayment through studentaid.gov. I was approved. My loans were directed to Mohela, a third-party student loan company. In XXXX, it said three of my loans were not approved and requested that I pay in full. I applied through FAFSA, which said it was approved because I work as a full-time XXXX XXXX XXXX XXXX XXXX. Mohela said I was not approved and was deferred because I could not afford to pay the amount. I had to reapply, but then I realized I had already been approved in XXXX. I am frustrated because I am homeless, and I can't get an apartment because of my credit due to the amount of loan, and now it is back payment with the amount that I was denied for the application I approved for.
Consumer complaint received 2024-04-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PNC Bank N.A. (MI)

PNC bank someone used my debit card for {$51.00} at XXXX XXXX XXXX XXXX well i lve in XXXX XXXX they did a investigation and lied about because there was another charge on there from the same place that refunded my but the {$51.00} the won't give me back I'm sick if them i want my {$51.00} back
Consumer complaint received 2024-03-26
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: NAVY FEDERAL CREDIT UNION (TX)

I am writing to formally request that you immediately cease and desist all communication related to the alleged debt referenced in your correspondence dated XX/XX/2024, which I received on XXXXThis letter is in response to the aforementioned communication. 

I dispute the validity of the debt you claim I owe to Navy Federal Credit Union, Account Number XXXX, in the amount of {$25000.00} and {$36000.00}. I believe that there are significant inaccuracies and discrepancies in the information you have provided regarding this debt. I have taken steps to review my records, and I have reason to believe that this alleged debt is not accurate or valid. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I request that you provide me with the following information : 1. A detailed breakdown of the alleged debt, including the original creditor 's name, the original account number, the date of the last payment made, and a complete transaction history.

2. Copies of any agreements or contracts that substantiate this debt and prove my liability ( including signed promissory note ) 3. Verification of your authority to collect this debt from me. 
4. Verification that you could take money out of my account without permission.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Management Services, LP (FL)

To : XXXXXXXX XXXX XXXX AND Capital Management Services , LP. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (WA)

XXXX XXXX  called me at XXXX for my deceased mother 's debt. She has never been listed as being on my phone line ( a personal cell phone ). I told them it was XXXX XXXX   and illegal to call, and that she was deceased. They claimed that their information stated that it was XXXX where she was located. She lived in this time zone for 9 years, and my cell phone has never been listed as being in a different time zone. They demanded a death certificate. I refused to talk to them further and told them I was reporting them.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

My old email and phone number have been compromised. This resulted in credit accounts being created, used, and accessed in my personal name without my permission. I have not approved application or any of these negative charges now showing on my credit report. I do not understand how someone was able to so easily access my information and open these accounts. I declare that I do now have ownership of any fraudulent activity used under my information and I request it to be removed.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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 U.S.C. 1681. 

XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A.. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ( 5 ) 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.