davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out.

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

On XX/XX/2023, I requested that MOHELA provide me with a copy of the form that will allow me to request future in-school deferment waivers ( see Read Message XXXX ). After submitting my request, I was told that MOHELA would respond within 3 business days ( see Confirmation to Inquiry about in-school deferment waiver for grad school ). Despite it being more than 3 business days as well as more than 10 business days for " document requests, '' MOHELA has not provided any assistance or a copy of the form at all. Other than the confirmation the message has been submitted, I have received no response from MOHELA whatsoever. Given the stated timeline, I find this customer service unacceptable. I would like a copy of the form I requested on XX/XX/2023 as soon as possible.
Consumer complaint received 2024-04-05
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. (PA)

Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX XXXX XXXXXXXX XXXX Amount owed {$290.00} XXXX Amount owed {$520.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GEKOSL t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( XXXX ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (MN)

On XX/XX/XXXX I received notice from my mortgage service, Mr. Cooper, that the servicing of my home loan would be transferred to XXXX, XXXX effective XX/XX/XXXX. On my bank bill pay app ( XXXX XXXX XXXXXXXX XXXX ), I promptly changed the address to send the payment as outlined in the notification letter. 

Everything was fine until late XXXX, XXXX when I received a letter from XXXX, XXXX that my XXXX payment was late and they were charging me a late fee in the amount of {$110.00}. I called XXXX on XX/XX/XXXX to complain about the late charge, and was told that the late charge would be waived. The XXXX on the phone, 'XXXX XXXX, tried to convince me to establish direct auto-pay with my bank, which I declined. Nothing was mentioned in the phone call about processing issues at XXXX. 

I've had this mortgage since XXXX, thru various servicers, and have consistently sent payment from my bank to arrive between the XXXX and the XXXX of the month. My XXXX  score is XXXX and I've no recollection of ever having a late mortgage payment. 

XXXX then charged me a late fee for the XXXX payment {$100.00}, which is still active. In late XXXX, XXXX sent me correspondence that I was entering the wrong account number on my check payments. 

My complaint is the complete lack of communication regarding an account number change from either the previous servicer ( Mr. Cooper ) or XXXX XXXX, XXXX until after XXXX late charges were posted, with XXXX still in effect. I have correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no mention of an account number issue being conveyed. 

Note the similarities in the account numbers from Mr. Cooper and XXXX XXXX : MR Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first XXXX numbers and last XXXX numbers of the dual XXXX number accounts are identical. Without notification of the account number change, it is dubious for the servicer to expect the slight change to be noticed, and I continue to dispute the late charge XXXX is trying to assess. Note that I changed the account number on my bank XXXX XXXX as soon as I was notified by XXXX XXXX that the account number on the checks was incorrect. 

Additionally, the table below shows when my financial institution ( XXXX XXXX XXXX XXXX  ) reflects delivery of the payments, and the date in which they were cashed starting in XX/XX/XXXX and as recent as today, XXXX XXXX : Bank record - Arrival Date Bank record - Debit Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Note that in good faith, I have been accelerating arrival dates due to the slow processing by XXXX XXXX. 

For reference, I've also submitted a complaint with the State of MN Attorney General 's office, RE : XXXX XXXX : XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, I am writing to inform you that I have an erroneous item on my credit report. I have asked the company to send proof of documentation, but they have refused. 

I have also asked the three credit bureaus to verify the item, but they have not responded to my request. 

All they would say is that the company says it is real with no verification of the legitamcy of the item. 

I have a fraudulent entry, and they have not assisted in verifying its validity. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (KY)

XX/XX/XXXX and XX/XX/XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX all attempts. 
Asking for validation of amount owed, correct date of account. The date is wrong. The collection agency is stating this was opened in XXXX when I have had the same insurance for many years. The credit reporting company comes back with all information has been verified, without anything I has asked for multiple times. This goes agonist the FCRA section1681s-2 ( b ), a consumer must : Alert the credit reporting agency ( or CRA ) of a dispute regarding the allegedly erroneous information that it reported.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

I entered into a consumer transaction with XXXX XXXX In store i financed a new computer for work through them. Each month i made on time payments until around XX/XX/XXXX Where i completely paid off the financed computer in full. Then about XX/XX/XXXX all of a sudden, with out my knowledge or consent Best Buy gave me a 30 days late remark on my credit report, and then followed by a 60 days late penalty in XX/XX/XXXX. Confused and scared, i just made a {$69.00} & a {$81.00} payment in XXXX so that they would stop charging me before it stressed me out too much. But I was unaware what i was still getting charged for because i knew that the computer was paid off in full, but I was still being charged for something. On XX/XX/XXXX I spoke with a best buy rep to investigate why i had these 2 late payments on my credit report. The rep informed me that the late payments were for a XXXXXXXX XXXX  subscription. And that i'd have to contact XXXX XXXX to get it figured out. I didn't finance a computer through XXXX XXXX, and XXXX XXXX didn't give me a late payment. Now i was completely unaware that i financed a XXXX XXXX  subscription. I didn't even know that was possible. I never saw it in a finance charged, or was it explained to me that even once i paid off my computer that every year i'd still somehow finance a subscription renewal. I'm still very confused how a company so reputable could take advantage of people like this. These late payments have seriously stressed me out, and has single handedly caused XXXX XXXXXXXX. I was in the process of purchasing a house until these 2 late payments completely ruined my plans. This is a clear mistake, billing error, and could be considered fraud. I did not consent to financing a XXXXXXXX XXXX subscription for the rest of my life. I don't even use the software.
Consumer complaint received 2024-02-09
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CO)

On XX/XX/XXXX I was terminated from my place of employment. They gave me a Skylight pay card and told me that my funds would be available the next day. Enclosed in the card package were XXXX skylight checks. The package states that the Skylight checks can be cashed for no fees at all XXXX locations. I went to the XXXX to cash the check and take it to my bank. Unfortunately, the tellers over there did not know how to cash a skylight check and it kept coming up declined. I had to call Skylight and they had to void that check and put my money back on my account, which would take XXXX business days. The following Friday, I went to a different XXXX XXXX and they knew what to do. I went ahead and got the approval number and they went ahead and got the authorization number. But when they ran the check thru their system, it kept coming up denied by skylight positive pay system. Again, I called skylight while sitting at the bank after XXXX minutes. I was told that a supervisor would call me in XXXX minutes to an hour. XXXX hours later I had still not received a call so I ended up calling Skylight again, and they are telling me the same thing that they would need to void the check and I would have to wait anither week for the money to be put back on my account. But I do not have any other checks to get my money out of the account and there is no guarantee that this will not happen again.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am writing to request the removal of the XXXX XXXX XXXX account # XXXX from my credit report. On XX/XX/2024I received a confirmation letter from your organization stating that the collection on this account has been terminated. 

Given this information, it is imperative that the corresponding negative entry be removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must not be reported to credit bureaus, as it can adversely impact an individual 's creditworthiness.
Consumer complaint received 2024-04-05
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. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX chase bank who i bank with sent my mortgage ( i do not have bill pay through the other bank. I set up a one time payment to be sent on the XXXX because i recieve money on the XXXX of each month.the XXXX landed on a sunday so it came early Right when my money hit my account on the XXXX XXXX payments of XXXX $ each were taken out and sent to mortgage bank leaving me with no money. I set up One payment to be sent on XXXX. I needed to pay my mortgage so i called customer service and after 3 calls ( i had to get a bit agressive and told them its my money i want it back ) they reversed it. The night my money was taken i had to tak my sons dog to XXXX XXXX. He needed to see the XXXX  and we were told his XXXX XXXX XXXX. I was on the phone with customer service crying for my money and he said that i set up the payments because nobody but me has access to my account. 
2 years ago right after i left for 7 weeks in XXXX the same thing happened at same time of year but all my bills were being sent out 2-3 times during month with random amounts and really depleating all my travel money.. Again i had to spend allot of time listening to these people telling me i set it up. Chase bank also told me i had to contact all the companies myself - no spology- no help with anything. 
With this time they sent both mortgage payments back when i asked them to send one in tto the mortgage. My payment was late dinging my credit and the other bank charged me XXXX $ late fee. I ten found out that chse Sent XXXX  & XXXX XXXX payments in XXXX. And XXXX last month. I have it set up to send XXXX $ a month. XXXX payments of XXXX and oe for XXXX $ all on random days- last molnth the same. 2 years ago the same thing happened. I want them to see what the issue is with my account- these people actually hve the nerve to tell me i set it up- i have also been to the branch 3 times- the llast one was day before yesterday for 2 hours only to have the same lady tell me again thst i st it up. That is shere ignorance if not stupidity because who in their right mind would set up their mortgage tobe taken out 2 times. XXXX XXXX is who i had 2 meetings with she was supposed to talk to the manager XXXX who i spoke to first and daid she would call me and never did then snne was suplosed t o call me back " probably first thing in the morning- '' i even emailed her and she has not responded. Branch is in XXXX XXXX California. Both these women should not be working there. 
I am so frustrated with these rude people. She said there is no tech support number that i could call. This company is awful- the manager never called me back as well. So here i am contacting you because this establishment wont even give me the late fee the other bank charged me for their mistke. If you have any referrals to other compaints i can make i would appreciate it because this is sheer insanity. Thank you
Consumer complaint received 2024-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (CA)

I was recently employed by XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. We are paid weekly through ADP. I chose direct deposit as my form of payment. Initially I mistakenly gave ADP direct deposit information to a XXXX  account I used to have that is now closed. ADP sent my first two paychecks to XXXX one in the amount of XXXX on XX/XX/XXXX and another in the amount of {XXXX} on XX/XX/XXXX. The deposit of {XXXX  was returned to ADP by XXXX because the account is closed and those funds were mailed to me no issue. The deposit of XXXX} was also returned by XXXX to ADP but ADP is claiming they have no record of the funds being returned. I have had XXXX print out proof of the return and had a XXXX representative show me in their system that they no longer have the funds. ADP refuses to accept the proof XXXX has provided and it has now been a month and a half without my earned compensation. My employers at XXXX advised me to connect XXXX and ADP via phone call to which has been a failure because ADP does not provide phone support to individual employees. I have exhausted all attempts to resolve this issue with ADP directly and I urgently need my allocated funds that I earned & need to care for myself & my child.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than 10 points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, & XXXX are reporting inaccurate information the account listed as XXXX XXXX XXXX  has several inconsistencies which means the is account could not have been properly validated or verified. 

The information listed incorrectly is as follows : 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 Experian are reporting late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

I am a client of JP Morgan Chase bank. On XX/XX/XXXX, I submitted a wire transfer in the amount of {$35000.00} to an account I wired money to previously. This is an XXXX bank in XXXX XXXX. The beneficiary in XXXX XXXX has yet to receive the funds. I was told by my bank Chase that a hold was placed by the intermediary bank, XXXX in the US. I have answered and complied with all questions by XXXXXXXX XXXX. I filed a complaint against them with CFPB and their investigation determined they sent the wire the same day it was received. Chase wire investigation says otherwise. Someone either has no idea what is going on or just does not care. We need this resolved immediately and someone needs to be held accountable for their actions or lack there of.