davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (UT)

Charges were made on my credit card in Wisconsin supposedly on a credit card. I live in XXXX Utah not Wisconsin. On the day of the transaction I was in XXXX, Utah. I have submitted proof to Chase with several documents that I was in fact in Utah, one of these documents was Notorized by my Credit union stating I was in their Branch on the day of the transaction. Another proof was a letter by my barber stating I was getting a haircut on the day of the transaction. As I stated to them how could I get to Wisconsin, make purchases and get back home on the day of the transaction. The purchases were made at a XXXX and a XXXX. As I told them why would I shop at these stores in Wisconsin when we have them both locally.I have sent this information to them twice and they still say I purchased them. Now they have reported to you as a delinquent and passed due account and my credit score is suffering.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX Debit Card, on XXXX called bank to find out my account was closed, never received any notice about account was gone close, with fund on my account, Ive contact Bank of America couple of times regarding my funds, and I been told to contact XXXX XXXX so on XX/XX/2021 sent a claim regarding my funds, and I was told again to contact Bank of America XXXX on XX/XX/2021 contact the bank again and told me the same thing contact XXXX XXXX am just back and fourth, I just want to get the remaining of my funds from a close account.and the phone number I was gaven from th XXXX to contact XXXX XXXX is not in service. 
Thank you
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

Hello in XXXX of this year, we refinanced our home and we got switched to a different loan mortgage service/company called XXXX mortgage. 
We live in a flood zone and we are required to maintain flood insurance. 
My flood insurance was due to renew on XX/XX/2021 and my premium was {$1400.00}. 
The Morgage servicer requested a copy of the coverage continuace and declaration page. I forwarded the request to my insurance broker rep XXXX XXXX XXXX XXXX at Florida XXXX XXXX XXXX and asked they send this to my mortgage servicer XXXX 
I continued to receive cancelation notices from my flood insurance carrier XXXX andI continued to let Florida all risk that they need to reach out and get this resolved. 

Finally On XX/XX/2021 I called XXXX my mortgage servicer that holds my escrow and I called XXXX XXXX risk on recorded lines to ask that they pay my policy and i confirmed the loan servicer had the funds to pay the flood insurance. All parties were aware that the payment was due no later than XX/XX/XXXX or I would be canceled. 
The payment arrived and posted on XX/XX/XXXX. 

XXXX refused payment and has canceled my flood and will not reinstate me. 

If I Reinstate my new premium is going up to {$3100.00}. ( double ) I need help my money was in the escrow and should of been paid on time with along with my homeowners which they manage to pay on time without issues. 

Attached are all documents sent to XXXX  mortgage. 
Thanks XXXX And XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

XXXX questions : It's a shame that within XXXX month after opening account I have to write to you via CFPB. 

After opening the account, the same day I called the bank and the operator said after 2-3 days when my account gets fully verified I would be able to make transfers. Few days later I was able to make transfers. I made my first transfer, a very small amount of XXXX dollars. 

Approx a week or so later I received a letter that stated until the bank could fully verify my account I won't be permitted to acquire any securities and or make any withdrawal or transfers. 

XXXX ) Then why did the bank permitted me to make the first transfer without fully verifying my account? 

On XXXX XX/XX/2021, I was provided with misleading information over the phone regarding my account verification activity. This information came from an operator and her manager from your verification team. The manager said my account was only fully verified on XXXX XX/XX/2021. The manager said the bank allowed me to make the previous transfer without fully verifying my identity just so I can acquire securities. But the letter clearly stated I can't acquire any securities until I have my account veritified. 

XXXX ) So, ( based on what the manager told me on the phone ) is it a common practice for your bank to allow customers to trade securities without verifying an account completely? 

As a result, I am finding it unsafe to transfer in any money further in to the schwab account. As a result, I have transfered out the XXXX dollars from my schwab account. 

Let me know your answer to the above XXXX questions. If your answer would be reasonable and justified, I would continue with my XXXX accounts or else not.
Consumer complaint received 2021-11-24
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. (PA)

Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. XXXX, Equifax, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). 

Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within XXXX business days, and to promptly notify the furnisher ( XXXX ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Rewards Visa Card application Dear XXXX XXXX : I have received correspondence forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the Consumer Financial Protection Bureau . I understand your concerns about a fraudulent application, and would like to detail the results of my investigation. 
As part of my investigation, our Fraud team performed a thorough review of the account in question. After careful consideration of all information available to us, we were able to approve your fraud claim. I confirmed the account has been closed as a fraudulent application. A request has been submitted to the consumer reporting agencies to delete the hard inquiry from your credit report. Please allow up to 60 days for the change to be processed by the consumer reporting agencies and reflected on your credit report. 

As you can see above the consumer has reported that this is a false inquiry and it has not been removed from my TransUnion credit report even though this information was sent to me back in XXXX.
Consumer complaint received 2020-03-02
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: ONEMAIN FINANCE CORPORATION (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, XXXX   account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX reporting payment status as collection/charge off, XXXX payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

After reviewing different lenders to help secure a conventional mortgage loan, I thought it would be great to use Navy Federal Credit Union as they are my main bank. Using the app, I reviewed the mortgage rates, and on the main page of Mortgage Rates states, No matter what your circumstances are, we have the right home loan for you. Need help deciding which loan option works best for you? I knew my credit score needed work but that first statement made me feel like Navy Federal would work with me and help me obtain a loan. I entered my information on Tuesday, XX/XX/XXXX, and paid {$19.00} for them to pull my credit. I submitted my paystubs and other information the next day on Wednesday but the decision had already been made that my loan was denied. I emailed the loan officer associated with my application, asking for them to help me understand why and if there was anything else that can be done to help me achieve getting a conventional loan and get me out of renting? I only get sent a canned response that I should contact the credit bureaus and Ill receive a letter in the mail. None of my questions were answered. I would not have entered my information, paid for my credit report to be pulled, and cause more harm to my already middle ground credit if the statement had been changed to something such as, No matter what your circumstances are, we have the right home loan for you when credit criteria are met. or something along those lines. As it stands now, my credit has been hit, Im out {$20.00}, and no one wants to help me understand or provide some time of information that could help me obtain a mortgage loan.
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from Midwest Recovery Systems. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. Midwest Recovery Systems reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
Consumer complaint received 2022-02-04
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX ( Original Creditor : ) XXXX
Consumer complaint received 2019-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have been disputing some items on my credit report consistently for almost five months now and I haven't received any results or response from Equifax, XXXX or XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2021-11-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

in response to my dispute number XXXX Experian response to my cfpb complaint stated. 

" The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( XXXX ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX '' This is 100 % false. 

The code in which they're referring to is 15 USC 1681c ( XXXX ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian has blatantly lied and it is unacceptable. 
No where does it state you have to file an complaint with an law enforcement agency. 
Ive satisfied all requirement by law. 

I believe this is an stall tactic, and they're now aiding XXXX XXXX bank in reporting fraud. 
Im demanding monetary compensation for the fraudulent account that they're voluntarily and knowingly without any proof are reporting on my file, even after the fact of me notifying them. 

Remove this account from my file asap!!
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (VA)

I have received a notice of a debt collection from Phoenix Recovery Group. The notice doesn't have my correct name, but a name very close to mine. So I thought it may be a mistaken identity or a identity theft. therefore, I have filled an identity theft through the FTC website and send them a formal letter informing them of their obligation to send me all the necessary documents related to this case. Since I haven't received a reply to my letter, I tried to contact the collector by phone to get the paper work related to the case so I can understand the charges or the services that reflect the debt. 
Every time I try to contact the debt collector, they transfer my call to an answering machine and no one calls me back. It is frustrating and time consuming. 
Also, every time I talk to the receptionist, she takes my social security and date of birth then a recording tells me that this information can be used in the case against me. 
The debt collector has contacted the credit bureau of XXXX XXXX and XXXX even with my repeated requests that they should not do that while I am disputing this information. SO I had to lunch a dispute with all credit Bureaus. 
The notice of Debt contains the original creditors ( XXXX XXXX XXXX ). I tried to contact them but they were unresponsive and the management has never contacted me back. I may have left at least 5 messages. Again, I have told the receptionist of the management obligation to contact me and provide me with information on what the charges is about. All I got is that this charge reflect time spend on their apartment complex at XXXX NC. I am a resident of Virginia and I have never lived on those apartments nor I had any dealings with XXXX XXXX XXXX company. I have filed a police report with XXXX XXXX and I am waiting for their response. Last time I talked to XXXX police, they told me that this may take some time since they have a backlog due to the recent data breaches from XXXX   and others. 
I strongly think that both companies ( Phoenix Recovery Group ) and ( XXXX XXXX XXXX ) have mishandled my information and exchanged my Personal Identification Information improperly. They did not do their due diligence of allocating the correct person responsible for this charge and they have used improper tactics of sending this collection to the credit bureau to pressure me to accept the charge.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion has blocked me from accessing my credit report since XX/XX/XXXX. Numerous attempts have been made in XXXX, XXXX, XXXX, and as recent of XX/XX/XXXX to remove the fraud alert that was placed on my credit report without my knowledge or consent. Transunion representatives told me that my credit report is being handled by a specialized unit and I am often put on hold for hours only to be disconnected. When I do speak to a " supervisor '' I am told that I need to submit a request to remove the fraud alert in writing ; therefore, requests were sent via regular and certified mail multiple times in XXXX, XXXX and against in XX/XX/XXXX ; however, Transunion continues to deny my requests and continue blocking me from viewing and requesting my report. I have attached screen shots of the attempts to access the reports via the online website. As the screenshots show, I am blocked from viewing my own credit reports. Additionally, while my report remains unavailable, I learned of fraudulent inquiries on my credit report via XXXX where I am able to access only a limited version of my report. I submitted disputes for all of the inquiries as they were made without my knowledge or consent and for no permissible purpose. I attached copies of identification which included my current drivers license and recent utility bill along with the disputes. Transunion denied my requests advising that they can not remove fraudulent inquiries and that I must contact the data furnishers. There are over 30 data furnishers that ran my credit.
Consumer complaint received 2022-02-03
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: SYNCHRONY FINANCIAL (FL)

I tried reaching out to SYNCB bank and explain to them that I dont recall applying for any credit limit with them on the dates of XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/2020 I submitted my annual repayment request to renew my income based payment. I submitted my paystub that was dated within the 90 day period. I also receive social security income. The letter I received from social security does not have a date on top of the letter stating the date the letter was issued. However, the body of the letter details the payment amounts for 2020 beginning on XX/XX/2020, which is well within 90 days of the XX/XX/2020 application date. I received correspondence from Navient advising that they are rejecting the letter from social security since there was no date on top of the letter. I called and spoke to a representative on the phone on or about XX/XX/2020. The representative advised that I was correct and the letter body contained the necessary information and submitted a request to have the reps re-review the document and accept it and if not, they would base my payment amount on my paystub income. She told me to look out for the document that would advise of my new payment amount. However, the letter the I received rejected the document again and then increased my monthly payment to over {$1000.00} per month, which is almost equivalent to my monthly income based on their rejection of my document although I can not require the social security administration to include a date on the top of my letter. When I asked what documents they would accept, they advised employer letter on employer letter head, pay stubs or W-2s, none of which are issued by the social security administration. I am jsut trying to be completely honest and transparent regarding my income so that I can pay the proper amount and they are doing everything in their power to reject my efforts.