davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (FL)

Opp Loans via XXXXXXXX XXXX  continue to report a past due balance on an account that has been closed, disputed, sent to collection then disputed in court where the creditor and their collection company were not able to correctly support the alleged debt owed and therefore agreed to drop the case and end all collection efforts and delete all reported information. Opp LoansXXXXXXXX XXXX are failing to uphold the agreed upon settlement that was worked out between my attorney and theirs- the collection companys attorney on behalf of the creditor. I request all data be removed from my credit reports as it relates to the falsely alleged debt as agreed upon in court. Signed documentation is available to support this claim and request.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

I didnt receive any notice of a debt owed, never received any mail or even a chance to verify the debt.I only noticed it because I checked my XXXX credit report. I dont even know who or where to contact to verify the debt
Consumer complaint received 2017-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have requested 3 times that Transunion and XXXX investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with Transunion and XXXX with no results. So the credit agency 's are not removing these inquiry 's. These are Transunions : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-05
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XX/XX/year> Re Case # XXXX Subject # 1- Demand for Correct Information Regarding Bank Account Subject # 2 - Request for Response Regarding Account Issue Dear Sir/Madam I am writing to bring to your attention an issue I have encountered with conflicting information regarding my account at Chase Bank Over the past 7 months I have received contradictory information from different representatives of the bank, which has caused confusion and concern on my end. 

I kindly request your assistance in resolving this matter and providing me with accurate and consistent information about my account. It would be greatly appreciated if you could investigate this issue and provide me with a response within the next 3-5 business days. 

Please feel free to reach out to me at XXXX or XXXX if you require any further information or clarification. Your prompt attention to this matter would be highly valued. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

On XX/XX/XXXX I submitted an Employment Certification Form ( ECF ) to try and certify my employment and update my payment counts as I am pursuing Public Service Loan Forgiveness. My current payment count is at 115 out of the 120 required. However, I have 7 months that are still not certified because MOHELA is taking an extremely long time to process any forms. I should now be at 122 out of the 120 required payments and my loans should be eligible for forgiveness. I submitted another ECF on XX/XX/XXXX which would be the month of my 120th payment, which is still marked as " processing '' ( the same as my XXXX  submitted ECF. 

I am now afraid to submit another ECF because I have learned that MOHELA will marke these forms as " Duplicates '' and start your processing all over. 

I have spoken with Congressman XXXX XXXX 's office and they have reached out to the Dept of Ed and I was told that I still show only 115 payments through MOHELA. They reached out to MOHELA about a month ago and have gotten no reply. 

The point is, PSLF was signed into law in XXXX. I have completed my time in public service while making these payments every month. I am now eligible for forgiveness. The anxiety of this is so very stressful and I am just trying to get answers and a move on with my life. 

I feel that MOHELA 's delay in processing these forms has caused me so much stress that I found the CFPB to look into their operation. 

Thank you
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

The principal and interest on payments on my Nelnet account is not being allocated correctly. Nelnet is taking advantage of me, and I may even say Im being stolen from. Im being charged interest on top of interest with no way to pay down the principal balance on account and Nelnet has not been able to help or make a correction, even though I spoke to them last on XX/XX/XXXX and they assured me everything was corrected.

Heres the full explanation : When loan repayments resumed in XXXX, my first statement on XXXX showed that payment due date was XX/XX/XXXX, but the amount due was {$0.00}. My payment amount should have be {$130.00}. However, it also showed at that time that I had already accrued {$140.00} of interest and by XX/XX/XXXX the interest would be {$220.00}. 

This puzzled me that I would be beginning repayment after XXXX years with no payment due, more in interest due than my payment would cover, and interest continuing to build making it out of control. With that in mind, I made a payment on XX/XX/XXXX for {$220.00} to cover that interest due for the original statement hoping that would get my XXXX statement back on track. 

When my XXXX statement showed up, I was confused as to why my amount due was again showing {$0.00}. I was in a bit of limbo, not knowing what to do with interest and principal numbers not making sense. 

My XXXX statement started to alarm me more. My principal balance had gone up by over {$100.00} from {$20000.00} on my XXXX statement to {$21000.00} on my XXXX statement and yet my amount due was only {$44.00}, which should have been {$130.00}. I paid the {$44.00} not knowing what was going on, but wanting to keep my statements up to date. 

My XXXX statement showed an even higher principal balance of {$21000.00}. This is really where I knew something was 100 % wrong and needed to be dealt with. I spoke with Nelnet on XX/XX/XXXX, and made a payment of {$250.00} that was directed solely to interest to zero it out and get everything corrected for future payments. They also directed me to change a setting of Do not advance my due date so I wouldnt see upcoming amounts due less than the {$130.00} even if making a larger payment.

I wasnt happy with having to make XXXX payments since XXXX of over {$200.00} to try and catch up on interest, but I did it. However, my problem still hasnt been fixed and in the past XXXX months Ive had statements showing {$0.00} and {$10.00} due. I also just checked my account, and the Do not advance due date setting is now unchecked, which I did not do, so any assurances that were made last time I spoke with Nelnet were complete failures.
Consumer complaint received 2017-07-23
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: EQUIFAX, INC. (UT)

I have requested 3 times that XXXX and Equifax investigate inquiry 's on my reports. They refused to do it and say to contact the people who ran the credit. These are not my inquiry 's so when I call to ask the company 's they never send anything to me. I have tried to get it resolved with XXXX and Equifax with no results. So the credit agency 's are not removing these inquiry 's. These are XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are on Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has Been More Than 30 Days Since I Mailed My Disputes To Trans Union, XXXX And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.
Consumer complaint received 2021-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Customer Service Representative would not help take care of negative inquiries on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have a closed account with XXXX XXXXXXXX I paid of the amount with the collection company I would pay the full amount as long as its updated with with paid in full on my credit they agree when I called back 30 days later the collection company and capital told me there is nothing I can do to go dispute it my self and this is with a record agreement
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My husband and I pay our rent by having checks automatically sent from our Chase Bank checking account each month. In XX/XX/2022, our check was intercepted. Someone changed the name of the recipient and fraudulently deposited it at XXXX XXXX  XXXX. We repaid our rent and reported this to Chase Bank. Chase refunded our money, then took the funds back and began an investigation. They later said the investigation moved to XXXX XXXX XXXXXXXX, since they deposited the fraudulent check. Event though this was a bank-issued check, and a clear instance of fraud, Chase has denied responsibility and XXXX XXXX XXXXXXXX just denied our claim for a reimbursement of {$2500.00}. Our Chase Bank claim number is XXXX XXXX
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TitanPrep Inc (MD)

I have been paying TitanPrep Inc {$320.00} a year for services that I can do myself and now that I want to cancel I cant get ahold of anyone. Would call non stop for yearly certification and getting payment but now silence. I have submitted cancellation form and said need to fill out another form but I have received nothing from them
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Albert Corporation (PA)

I saw an ad for XXXX cash advance. I signed up to get a cash advance. I was told it was free. No fees attached. I received the cash advance after linking my checking account. They withdrew the $ they advanced me. I havent used it since. I have gotten several texts from the company stating my bank account was no longer linked. Thats fine. I dont need to be linked if Im not using their services. Then I notice, they have been accessing my account to withdraw monthly subscription fees of {$14.00} for their allegedly only paid service called Albert Genius which is an investment program but I dont have investments with them and never signed up for that program or authorized the subscription. I contacted them to say just that and they told me I have a {$5.00} balance in my account ( no idea how it got there ) and that I can not close or cancel my subscription without withdrawing the {$5.00} first. I dont understand how this is legal. So far theyve withdrawn about {$75.00} in subscription fees for something I have no use for.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I am an XXXX  and have had my business accounts with Chase for years ( business checking, savings, and client trust account ) as well as my personal account with Chase ( checking ). 

A few months ago, out of no where, Chase told me they were closing ALL accounts ( business and personal ) and would not tell me why or give me any opportunity to even know why. 

They further told me they cant telll me if or when theyll give me my funds. Its about XXXX in total. And its all the money I have to my name. 

So for months now I havent been able to pay any bills, or my mortgage. My house is going to be foreclosed on. My credit score ( which dad literally perfect ) has dropped like XXXX points. 

I get XXXX calls a day now from debt collectors. Im going to be XXXX. I was supposed to get married this year and now cant obviously. 

I did NOTHING to deserve this. Nothing illegal. Northing fraudulent. Im just at a total loss of what to do and at this point my life isnt even worth living. Theyve taken everything from me and for what?!!! 

They wont even tell me the reason..
Consumer complaint received 2023-03-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
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. (NY)

I was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX XXXX Police Department report, which verifies my situation.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (IL)

MY INFORMATION WASS DOLD TO A DEBT COLLECTER, I WAS TOLD THAT POSSIBLE TRADE LINE WOULD BE DELETED FROM THE CREDIT BUREAUS THAT IT IS BEING REPORTED TO, NO ONLY WAS THE DEBT PAID OFF THROUGH INDEBTED, I WAS TOLD THAT I HAD TO CONTACT POSSIBLE FINANCIAL WHERE THERE IS NO DIRECT NUMBER AND THAT THEY ARE STILL REPORTING A BALANCE WHEN THERE ISN'T ONE SO I AM DEMANDING POSSIBLE TO DELETE IT FROM MY CREDIT BUREAUS, BECAUSE IT IS IN VIOLATIONS OF MY RIGHTS BY SELLING MY PERSONAL INFORMATION AND REPORTING FALSE INFORMATION WITHOUT MY WRITTEN CONSENT AND WAS NEVER NOTIFIED THAT IT WOUL BE PUT ON MY CREDIT REPORT WITH THE CREDIT BUREAUS...
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NC)

In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  ; account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (KS)

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

XX/XX/24 XXXX, On or about XX/XX/XXXX months ago I deposited a check into my Chase Bank Account, PERHAPS THE BIGGEST BANKING DECISION I HAVE EVER MADE ). 
The check that I deposited was drawn of my XX/XX/XXXX account at XX/XX/XXXX, New York. This account was set up, managed and then CLOSED by my brother, the Executor to the estate once final funds were CLEARED and withdrawn from the account by CHASE BANK and placed into my CHASE account. 
Chase then proceeded to hold said funds in my checking account for XX/XX/XXXXdays before SUSPENDING THE FUNDS. They simply evaporated from my account, no call, no notification from CHASE whatsoever.

I then proceeded to contact CHASE via telephone and as has been consistent for XXXX or XX/XX/XXXX years, EVERYTIME THAT I CALL THEM I AM TOLD THAT MY BIRTH DATE DOES NOT MATCH THEIR RECORDS, that I must take my ID, go to a branch and verify my information. My ID is correct however THEY CONTIMUE ON TO HAVE THE INCORRECT BIRTHDATE for me. 
CHASE continues to hole in SUSPENSION the funds from my fathers estate as they do not show my brothers phone # as VERIFYABLE in their internal system. They WILL NOT CALL a number they cant verify. They WILL NOT talk to my brother if he calls in, They WILL NOT allow me to connect with my brother in conference call, They WILL NOT talk with me in they know that someone else is on the line.

All of this and CHASE indicates that THEY DO NOT KNOW WHAT IT TAKES TO GET A NUMBER IN THEIR SYSTEM AS VERIFYABLE AND THEY WILL NOT VERIFY IN ANY OTHER WAY. 
XXXX phone calls, XXXX visits to branches in the last XXXX months with no resolve. I have no other option than to file with you. XXXX