davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-05-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery Services c ontinues to report incorrect information about me to the  XXXX  credit bureaus which has been detrimental in me obtaining housing. The agency purchased 5 debts under my social security number which were all opened fraudulently. I have letters from the original creditors that they purchased the account from who did the investigation and found I was a victim of identity theft. I forwarded these lette rs to Portfolio but they  have still continued to state my accounts are in the legal department and refuse to contact the original creditor to verify the validity of my claim. The amounts are approx {$7000.00}, {$2200.00}, {$350.00}, {$1200.00} and {$2000.00}. This has been ongoing since  XXXX  of   XXXX  .
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Incorrect Status being reported on by Experian CRA.     Entry by    XXXX   XXXX   XXXX    : Owed {$340.00}  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , NH  XXXX  Credit reporting agency is documenting a claim by    XXXX   XXXX   XXXX    on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Credit Card  XXXX   XXXX   XXXX ,  XXXX  ), disput ed (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill (   XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter Experian CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by Experian  XXXX   XXXX , I possess and presented Experian proof of payment.     Submitted credit card statement showing rebill for {$340.00}.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 I created an account with chase in order to deposit a portion of my settlement check of {$18000.00}. The next day XX/XX/23 I was able to withdrawal {$5000.00}. On XX/XX/23 I was told that my account was closed due to chase not being able to verify my check. My check has been cleared and technically cashed already. This is how I was able to withdraw {$5000.00}. On XX/XX/23 chase sent out a check after closing account, that got sent back to them. Now they refuse to release anything at all. For 4 months I've been going back and forth with my attorneys, chase, and issuer of check. The conclusion chase is the only one at fault and who holds the key to my funds. Chase refuses to release the money to me or back to the issuer because they " can not verify with the issuer of the check '', who happens to bank with chase. Chase refuses to call any numbers I forward them from the XXXX XXXX or the number printed right on the cashed check. They only verify through " their '' system. It been 4 months and I've been homeless for 2, due to the eviction I received stemming from this situation. This whole ordeal has taking a toll on my XXXX XXXX. Lastly, I can never open a chase account again.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am in the process of trying to modify my mortgage with  Select Portfolio . I was given a so called single point of contact but the contact never returns my call. I am forced to talk to someone new every time I call them for clarification on what documents they want to see. The representatives tell me I need a document and then when I give to them they say I need something else. I was told at least twice I have given them all the documents needed and my loan was in underwriting only to be told again I need something else.      Select Portfolio h as also placed multiple fraudulent insurance claims on my property. I never needed to file an insurance claim as the house was always occupied. As a result I am having problems obtaining affordable insurance for my primary residence.     This property was also included in a bankruptcy and  Select Portfolio has  ignored the proper disclosures and acknowledgement of the fact that the loan was in bankruptcy. As a result the loan has a some point been reported incorrectly on my credit report.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CENTRAL BANCOMPANY, INC (IL)

I opened an account on XX/XX/XXXX ( Checking + savings ) with Central Bank in person at the XXXX, MO branch. The girl who signed me up said she was new and she had XXXX XXXX who I believe is the assistant branch manager ) behind her coaching her what to do to open my account. As part of a new customer promotion with Central Bank, I was offered a sign a sign up bonus of {$400.00} after meeting certain requirements ( {$300.00} checking bonus + {$100.00} savings bonus ). To receive these bonuses, I was told I needed to make at least 2 direct deposits and have the account open for 90 days to receive the {$300.00} bonus in my checking account. I was also told I would receive {$100.00} extra bonus if I also opened a savings account and put {$500.00} in it. I funded the account with a XXXX payment of {$550.00} and moved {$500.00} into savings to get the extra {$100.00} bonus. 

On XX/XX/XXXX, I called Central Bank to inquire about a fee that was charged to my account on XX/XX/XXXX which resulted in my checking account now reporting a - {$0.00} balance. I spoke to XXXX who explained it was a maintenance fee to me that was being charged because I did not have a direct deposit during the previous statement cycle ( unlike the firs/previous two months ). I asked since I was unaware if he could provide a one time fee waiver and he said it was not possible. I then asked if there was anything I needed to do to avoid getting extra fees and he said no as there are no extra fees added when a negative balance is result of a maintenance fee. I also asked him if he could provide me with an expected date of when my bonuses would be deposited as he confirmed I met the requirements and he said that it could take up to 21 days for the bonuses to report as accounts are manually reviewed. 

As the bonuses still had not reported, I called to inquire about the status and was told Central Bank was disqualifying me from both bonuses because their maintenance fee put me at a negative XXXX cents balance on day 91 of my account being opened. I tried to explain and spoke to XXXX and she also directed me to to talk to the branch manager XXXX to which I left a voicemail. On Tuesday XXXXXX/XX/XXXX, branch manager XXXX returned my call and already knew the details of my account and why I was calling before apprising her of why I was calling. She said there was nothing I could do to get either bonus and was also denying me the extra {$100.00} in my savings account. I asked about escalating and she said there was nothing she/I could do so I asked about filing a CFPB complaint and she suggested I try that route to get my expected resolution though it didn't seem like she knew what the CFPB is.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the XXXX XXXX breach, so please remove them already.
Consumer complaint received 2017-09-17
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: Eastern Account Systems of Connecticut, Inc. (FL)

I have been more involved on what 's being reported on my credit report. I signed up for XXXX and noticed that there was a collection on my report that I was n't aware was on there. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency in which I currently had service with them. I provided the rep with additional info to search for this account that 's in collections and the rep provided me with an address that I have never resided. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought thing would be resolve but it was still appearing on my credit report. I then disputed online to the collection agency who is reporting me in which after the investigation the results was that the debt was valid. I never lived at this address, never agreed to this fraudulent debt being mine, and never owed any debt to XXXX.
Consumer complaint received 2022-10-22
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
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. (GA)

The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

As per my last complaint, Starting in XXXX, I took out a little over {$32000.00} in private loans for XXXX XXXX XXXX ( my school was actually in XXXX, XX/XX/XXXX but that was not an available option ) through Sallie Mae ( now Navient ). To date, I have paid over {$100000.00} on my loans ( since XXXX ) and still owe just over {$16000.00}. As the federal government has determined that XXXX XXXX XXXX is a fraudulent for-profit institution and Sallie Mae ( now Navient ) had an illegal relationship with XXXX, I would like my private loans dissolved/canceled and fully refunded as per the FTC XXXX Rule. 

On XX/XX/XXXX, I received notice that my Navient XXXX Misconduct Discharge was approved, yet only received a refund of XXXX months student loan payments. I was informed that this was to refund the time since I had personally informed Navient of the misconduct. As a consumer, I should not be personally responsible for showing Navient that XXXX XXXX XXXX when the federal government itself proved that years ago. Additionally, In my original application, I sent emails proving that I had been working with our PA XXXX XXXX ( who would have contacted Navient on my behalf ) specifically on ITTs misconduct since XX/XX/XXXX, making their XXXX month notice claim irrelevant. 

I would like a full refund of all monies paid towards my XXXX private College Advantage Loans as per the FTC XXXX XXXX.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/year> I applied for a card ( Chase United Explorer Card ), I was advised by a Chase agent that I could link the card to my XXXX XXXX and purchase tickets on the XXXX website. The agent assisted me in establishing the online account and linking the card. I attempted to buy tickets and was informed that XXXX would not accept the XXXX XXXX. After XXXX of trying to get someone to listen to me at XXXX and Chase, the tickets have now gone up in price. XXXX stated that they would not honor the original ticket price and Chase would not give me credit to honor the original flight price. I have also been advised that the hard inquiry can not be removed from my account, even if I do not activate the card. I am now stuck with a card from Chase, the customer service from both companies is appalling. The calls have been recorded by Chase and I have records of all the chat transcripts from XXXX, neither of these companies are willing to correct the misinformation that caused this issue.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (FL)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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 my handwritten instructions.
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Brelvis Consulting, LLC (IA)

I have been scammed by a company called " The Student Loan Help Center '', based in Florida. This company offered to consolidate my federal student loans for a {$990.00} fee, promising that I would be eligible for loan forgiveness after consolidation through a program implemented by the Obama administration. Unfortunately, I was unaware that federal student loan consolidation i s FREE. This was the second company that offered me the same solution, so I thought it had to be  legitimate. The other company offering a similar scam is called "  XXXX   XXXX    XXXX   '', based in California. Unfortunately, I gave " The Student Loan Help Center '' {$160.00} to consolidate my student loans. When I found out it was a scam, I cancelled my loan consolidation and credit card so they can not take any more money from me. But so far, I am unable to get a refund. Every time I call I get held for hours or transferred to a voicemail. These companies need to be stopped! They are preying on burdened graduates who struggle to pay their student loans.
Consumer complaint received 2024-07-02
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. (CA)

I disputed a charge on my Chase credit card ( ending in XXXX ) from XX/XX/XXXX, for {$240.00} made to XXXX. Despite returning the item and providing all necessary documentation, I did not receive a refund. I followed up with multiple emails to Chase on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the removal of the disputed charge. 

Additionally, on XX/XX/XXXX, I was charged a {$29.00} late fee, and on XX/XX/XXXX, a {$4.00} interest charge was added to my account. On XX/XX/XXXX, I sent another email to Chase requesting the removal of the late fee, interest charge, and the original disputed amount. Despite these efforts, I did not receive a satisfactory resolution. 

To prevent any negative impact on my credit record, I paid the amount of {$270.00} on XX/XX/XXXX, which included the disputed charge, late fee, and interest charge. I believe this payment was unjust and request a refund of the {$270.00}. 

I have provided all necessary evidence and documentation to Chase and have communicated with their executive office and the Consumer Financial Protection Bureau. Despite these efforts, the issue remains unresolved, and I am seeking a refund check of the amount paid.
Consumer complaint received 2017-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I made a previous complaint abo ut Navient not workin g with me not combining my " private smart option loans '' or discussing options about lowering my payment. I finally reached a nice gentleman which helped me get on a payment plan for {$120.00} per month which is electronically debited. He explained to me that the interest rate, which skyrocketed would lower in the month of  XXXX . I am still getting calls at l east six times   per day and when I log into my account, they have me listed as delinquent. This problem was supposed to be solved in  XXXX  when I agreed to pay the set amount each month. This is ruining my credit and I need help as soon as possible. I think I am going to be forced to hire an attorney if this problem is not resolved.