davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

Navient failed to inform me when the pandemic payment pause was ending and subsequently started charging me late fees totaling over {$1500.00} before I became aware of it. 

I called and complained about it and they reduced the amount owed but it was only about {$400.00}. It doesnt make any sense that they would only eliminate only a portion of the late fees. It was their fault for not communicating when the pause was ending. 

I never chose to have navient be my loan servicer. My XXXX  loans were passed off to them without my consent. Ive been making loan payments for almost 2 years as required by navient. Somehow, these federal loans were not eligible for the loan pause that is ending this month for others.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/year> NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : JPMCB CARD SERVICES Account number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( JPMCB CARD SERVICES ) Making the report is NOT INCLUDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ JPMCB CARD SERVICES ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ JPMCB CARD SERVICES Account Number : XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC (TN)

XXXX XXXX XXXX has been harassing me in an attempt to collect a debt that was paid off over 10 years ago. This is another collection company that is trying to collect on a debt that was paid. This company threatened to take legal action on the very first call to me and would not listen to my side and kept changing their version of supposed previous events from a previous attempt. The caller tonight became verbally hostile on the phone and when asked for a cancelled check for a cancelled payment said they would not discuss the issue anymore and would see us in court.
Consumer complaint received 2023-06-17
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX. 15 U.S.C1681 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On  X/X/17   , I emailed  the Executive office from Equifax about inaccurate information on my credit report. The Executive office emailed  me on  X/X/17    to try to r esolve the issue. I explain to the Executive office that I have an fraud alert on my credit report and I have submitted an police report. I have disputed many items on my credit report that was not authorize by me. I also disputed the bankruptcy on my credit report. I have spoke with the Federal court a bout them verifying bankruptcy on my credit report ; I was told by the court that they never verified any bankruptcy for me. I do n't know what kind of system these credit bureau use to verify information, but it is not accurate. On yesterday I received my update credit report, which the bankruptcy was deleted from my file. I loo k on   XXXX   XXXX   thi s morning and my score has dropped  XXXX  points, because Equifax has decided to add the bankruptcies back to my credit report. I have already spoken with the  Federal Court about verifying and the court stated that they never verified anything with the Equifax about bankruptcy. I need Equifax to resolve this issue, because if not I will hired an attorney to suit Equifax for not verifying acc urate information with the creditors.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

From XXXX until XXXX Wells Fargo miss handled my mortgage. They lied, cheated and misused my money. Wells Fargo forced me to file bankruptcy to stop the foreclosure process on our home. Agreed to fix problems they caused but never did. Cheated me out of thousands of dollars and added tens of thousands of dollars to my mortgage balance when they said they were helping me.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX XXXXXXXX. My brother in law WITHDREW the claim. On XX/XX/XXXXXXXX XXXX XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is double dipping and holding on to other funds of mine all while getting the money back from XXXX XXXX  XXXX. I am attaching the complete paper trail showing that XXXX XXXX XXXXXXXX shows the claim as WITHDRAWN, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here. As XXXX XXXX XXXXXXXX has already taken the money and I keep getting nowhere with Venmo, my brother in law and I have called XXXX XXXX  XXXX again today on XX/XX/XXXX and XXXX XXXX XXXX said the following " XXXX has stated that they have sent the funds to the banking service that Venmo uses. They noted that it can take 30-45 days to go from the bank to the vendor, and are advising to have us or Venmo reach out to their bank to inform them the case is closed. '' I submitted a prior complaint to the CFPB and Venmo called me and said I could continue to wait and see if the money showed up in my account, but the money has not showed up in my account. Venmo continues to simply close CFPB complaints without any resolution and now it has gotten to the level of stealing as they have money they are not returning. I have a full paper trail showing Venmo HAS received the funds.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called Experians membership department located in the XXXX on XX/XX/year>, on or around late afternoon PDT. I spoke to a female XXXX agent named XXXX. She gave me false and misleading statements. She told me I could fax documents to experian at ( XXXX ) XXXX. I told the agent Experians dispute department doesnt have a fax number and doesnt accept faxes. However, XXXX was adamant that I could fax documents. I then asked for her supervisor to confirm. I then spoke to a male XXXX who identified as the supervisor. He confirmed the fax number is correct and that I can in fact, send documents to the fax number for the dispute department. Then I called the fax number to make sure it was a fax line. And as I suspected, it wasnt a fax number ; it was a hospital in XXXX Nebraska. Im sick and tired of the XXXX department providing false and misleading statements. Also, because experian has a history of ignoring CFPB complaints with generic responses that dont correlate to the complaint, I will also escalate my complaint with the : XXXX and OAG.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2017, I tried purchasing a phone with someone online for {$100.00}. The person informed me, to go to a local supermarket or deli to wire the funds. What form of payments do you want me to send the funds. The unknown person stated through XXXX XXXX. I filled out the XXXX XXXX form to send the funds to the person and used my Chase credit card. I messaged the person if the funds were received or not. The person ignored me. I messaged the person several times, if my phone was mailed off no response from that person. I was scammed.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hi- I could truly appreciate any assistance in regard to this matter. I have opened an account with Citibank on XXXX XXXX- as I tried to access my account yesterday, XX/XX/year>, I quickly found out that my account was inaccessible. I could not withdraw any funds from the ATM or access my online banking. I then contacted Citibanks security department and the representative that I spoke with had advised me that the reason for the block was because Citibank is closing my account down. I have deposited over {$2000.00} into that bank only to find out that it was going to be closed only a few days later. The representative also advised me that the reason for the closure is that Citibank reserves the right to decline a consumer and that all the funds that I have deposited into the account is not promised to be returned to me. But, was also told that I should be receiving a check from Citibank after the review process which could take up to 24-48 hours. 

I am honestly requesting for any assistance to my claim. I dont have enough money to feed my XXXX kids at this point and I am going through some family emergency. Please help me resolve this, I am honestly begging for assistance. 

Thank you so kindly.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

For XXXX, I received a Vanilla Visa Gift Card from my dad. As a XXXX XXXX XXXX, I decided to wait until an emergency to use my card for food and toiletries. I opened the card months after receiving it and immediately saw two issues. When I opened the cardholder, the card was STUCK in the package. There was a piece of glue/adhesive from the manufacturer that glued the card and paper package so tight that it ripped some of the card patterns off. I had to rip the package off of the card in order to get the card out of the package. Once I got the card out, I noticed that the card was missing the last 4 digits of the 16-digit card code. Even where the pattern was ripped off the card, there are no digits near the rip, the last 4 digits are just missing. I figured that it was no big deal since the CVV on the back had not been tampered with and thought that I could still use the card for physical purchases. When I went to XXXX to purchase some necessities, my card was promptly declined. I was unable to set up a pin since I did not have all 16 digits. I searched online for the default pins and every single one was a failure. Embarrassed, I had to put everything back and immediately I spoke to my father to get advice on the situation and he did not know what to do. I asked him how much money was put on the card, he told me he did not know since he deposited the change from XXXX  shopping. I asked him for an estimate he said " Maybe XXXX? '' and I asked him if he could take the card back to the merchant and get a refund. He informed me that he no longer had the receipt since the purchase was months before our phone call. I decided it would be best to call Vanilla 's customer. I called customer service 3 times on 3 separate occasions and have NEVER spoken to a human. I was sent on a loop of automated messages even though I called within normal business houses XXXX XXXX XXXX. I waited on hold forever on every single call, hoping to speak to a human, but I never did. After my last call and waiting on hold only to be hung up on, I looked online and saw that MANY people had this problem. I was referred to file a complaint with the CFPB by a user on XXXX and now I am here.
Consumer complaint received 2023-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (TX)

I have taken multiple XXXX and paid them without any issue in the past. I always pay a large amount and make payments less than what the schedule states without any issue. They gave recalculated them in the past. Until now. I was financed on or about XX/XX/XXXX of this year. I made a payments if XXXX. And payments if XXXX there after. I received the first notice that my account was past due {$0.00} with it being 11 days past due. I called they had no solution. I received another email i called the rep said oh my supervisor said its bc you have not made you full payment amount. I proceeded to tell her it doesnt makes sense the account i is paid ahead XXXX i always go paying the full amount when the XXXX clearly says {$0.00} is due makes no sense. I asked the account he looked at and recalculated just as they did before. No help was given. They wasted my time with the call bc i still got notices, i emailed them frustrated because they still didnt understand. They repeated to me the same story i made it clear this better no have any effect on my credit due to its not late. The account wasnt suppose yo he laid off until XXXX of XXXX. It is now paid off however i awoken to my credit reports showing a late payment for this company when in fact there was no amount late on the account at all. I have attacked all notices, pay schedules, payments, and emails to this complaint
Consumer complaint received 2024-04-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I have three AMEX {$500.00} gift cards that I have tried to use online via various vendors as well as in-store to no avail. See declined transactions below from XXXX ( online ) and XXXX XXXX XXXX ( in store ). I also attempted to use via XXXX XXXX a number of weeks ago which was also declined as well as add to my XXXX account ( declined ) and XXXX XXXX. The point of these cards was to spend on needed items and not useless things. At this point a check in the amount of {$1500.00} would be ideal. 

Card # 1 DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXXXXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX - XXXX - XXXX XXXX XXXX NY - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00} Card # 2 DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, NY {$160.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Pending - BXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY {$160.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX NY {$160.00} XX/XX/XXXX XXXX XXXX XXXX  Pending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00} Card # XXXX DATE/DESCRIPTIONAMOUNT XX/XX/XXXX, XXXXXXXX XXXX Declined - Missing security code XXXX XXXX XXXX XXXX  # XXXX - XXXX - XXXX, MA {$500.00} XX/XX/XXXX XXXX XXXX XXXX Pending - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MA - {$0.00} XX/XX/XXXX, XXXXXXXX XXXX Processed - System - + {$500.00}
Consumer complaint received 2023-03-09
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. (FL)

In accordance with the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature
Consumer complaint received 2023-05-21
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: TRANSWORLD SYSTEMS INC (DE)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX giving me opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.
Consumer complaint received 2023-05-21
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. (SC)

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NY)

XXXX XX/XX/2023 I've been banking with Wells Fargo I continuely get charged overdraft fees when I have overdraft protection! I've also submitted several applications fir credits cards, business & home loans as I am a XXXX XXXX XXXX veteran but I am continually denied. This seems as if I am being racially and biased against!