davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK (NY)

I recently took over as the XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX. The bank account for the condo association is with East West Bank. The association 's financial records had not been through an external audit since XXXX. I had pulled the statements for the checking account, but the statements only have the images of the outgoing paid checks. I requested the bank to provide me with images of the deposited checks and deposit slips from XXXX to present and they are now requesting a {$400.00} fee to provide. I do not understand why I need to pay money for the banking records, especially since they are under the 7 year threshold. Please assist.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I went to the branch location in King of XXXX, PA, to discuss why my bank statement was showing an interest rate of XXXX XXXX APY, while their current commercials advertised a rate of XXXX XXXX APY. The branch location representative called customer service to resolve the issue, and I was informed that I had a " XXXX Savings '' account, the only savings account offered back in XXXX when I initially opened my account. Now Capital One only offers " 360 XXXX Savings '' accounts to clients, which pays the XXXX XXXX APY. At no point was I ever informed of the existence of this new account and its superior interest, nor was I automatically rolled into the " 360 XXXX XXXX '' account. I have consistently maintained a balance of about $ XXXX, and, as such have missed out on thousands of dollars in interest. Their only solution is to now convert my savings account over to the " 360 XXXX XXXX '' account, where I can earn the interest going forward. Capital One has yet to give me a valid explanation for my concerns and refuses to resolve the interest discrepancy. As a client of that Capital One, I shouldn't have to shop around Capital One to ensure I'm receiving what is advertised. This is highly unethical of the bank.
Consumer complaint received 2022-12-28
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: JPMORGAN CHASE & CO. (PA)

To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated.

Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Pursuant to 15 U.S Code 1681 604 2 : It States a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-10
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. (GA)

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.
Consumer complaint received 2021-06-02
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: Experian Information Solutions Inc. (GA)

The first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC (NM)

I had a loan with Loan me, i have consolidated my debt with XXXX XXXX, I am a client and they are taking care of mu outstanding debt. I have spoken to the company 2 different times, telling them that I have gone with debt consolidation to take care of the debt owed. 
Today, XXXX from XXXX XXXX called, my ex husband, all of my XXXX  of my children, I don't know how in the world they got their phone numbers/saying they had filed a civil law suit on me. Then when I called him back, he tried to deny saying he had left the civil lawsuit with my ex husband. Totally unacceptable, my debt consolidation is not the concern of my ex husband or my children. He also called on of my friends with the same message. 
This is totally unacceptable.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

On XX/XX/2020 I received a letter from my homeowners insurance company stating that my policy would be cancelled for nonpaymet effective XX/XX/2020. I called PHH to  determine why the company had not been paid as this payment is escrowed. My first call to them involved a 36 minute hold and being disconnected after the agent stated he needed to transfer me to the insurance department. I called back and was treated to a shorter 28 minute wait. The next agent also stated that I needed to speak to the insurance department as my loan was not being escrowed for insurance and transferred me. The insurance department told me that indeed the loan is being escrowed for insurance and that payment had been issued. He told me that all this should have been handled by customer service and transfered me back to a new agent. I then demanded to speak to a supervisor. The supervisor determined that the payment went to an incorrect company. She stated that all would be rectified and not to worry. Today, XX/XX/2020, received a letter from my insurance company stating that my cancellation is still on as payment has not been received. I called PHH four times today. On hold waiting 48, 38, 51 and 43 minutes for agents. Two agents hung up on me, one supervisor disconnected me. All promised to call me back if we got disconnected ; never happened. Same runaround as my calls two weeks prior. Please help me.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

Ive called Jefferson Capital System and other companies listed they been reporting that I have an open account with them. For numerous of years they been reporting this fraudulent account on my credit report Ive contacted them over 20 different times. To see that they are still not taking this off of my report after I have provided them with police reports Idk which way to turn Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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. (NC)

On my credit report, I have been challenging fraud INQUIRIES. My credit score has been negatively impacted by these false INQUIRIES, which the Equifax bureau appears to be ignored. If the INQUIRIES claim that they are mine, I have asked that an investigation be opened and that verifiable evidence be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please quickly remove the INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Randolph, Boyd, Cherry and Vaughan (VA)

I contacted XXXX XXXX XXXX to discuss a account that was reporting on my credit report from an original creditor of XXXX XXXX XXXX. I was told I would need to speak with Randolph, Boyd, Cherry and Vaughn to discuss account. I called the law office of Randolph, Boyd, Cherry and Vaughn and was advised that the amount due was {$3700.00}. Which was different than the amount showing on my credit report which was {$6100.00}. I was told by XXXX, ext XXXX that they waived the administrative fees and I needed to pay {$3700.00}. They also mailed me a letter confirming this amount that was due. I paid that amount and received another letter stating they were going to close the account. That letter was dated XX/XX/XXXX. The balance updated on all three of my credit reports to open account with a balance of {$2400.00}. I called XXXX XXXX XXXX and they stated they could not update it needs to be done by Randolph, Boyd, Cherry and Vaughn. Then I called Randolph, Boyd, Cherry and Vaughn and they have said they do not report to the credit bureaus it needs to be fixed by XXXX XXXX XXXX. I am tired of going back and forth this has caused so much XXXX XXXX and health problems in my life dealing with this agency. On my credit report it says the balance is owed to XXXX XXXX XXXX and they are refusing to update my credit report to reflect the account is closed after I paid through the steps that they requested I go through.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

We were impacted by XXXX and struggled to pay our mortgage. Within 30 days of default, we contacted the loan servicer to help with XXXX, maybe 2 months of forbearance. The company purposely delayed the process by more than 90 days by stating that they were missing documents, even though we had email and fax proof that those documents were sent and received timely. Furthermore, they were not willing to speak with us over the phone and insisted that the only way to resolve the issue was to schedule an appointment with the Relationship Manager. Those appointments were made out over 30 days, yet the relationship manager did not appear for those scheduled calls. Once we realized that they were circumventing the process to purposely delay the process, we began making payments, but they refused those payments- causing us to fall further behind. 

Finally, they submitted a modification denial letter stating that we were more than 90 days behind on making our payments, yet we were only behind because they failed to review the process in a timely manner. Furthermore, they used incorrect values in the net present value computation. Even though we provided certified appraisals that discredited their " drive-by '' valuation, they still refused to review documentation timely, if at all. 

They often kept us on hold for up to XXXX hours, then would disconnect the call, refused to speak with us over the phone, insisted on scheduled appointments that were more than 30 days out, and led us down a path of despair and a deliberate nightmare to refuse to negotiate in good faith.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2020-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Navient should have set my student loans to 0 % interest starting XX/XX/2020 until XX/XX/2020, to comply with the CARES Act. However, Navient did not set my loans to 0 % interest and interest is still accruing. Federal official website shows that my loans should be set at 0 % interest. I have attached information from Navient and Federal Student Aid to document. I tried calling Navient but was never able to get through and also sent them an e-mail to which I never got a response.
Consumer complaint received 2021-09-06
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. (IL)

i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXX XXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX Balance {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Complaint summery Trans Union has failed to respond to written disputes in 30 days. Trans Union has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MARINER FINANCE, LLC (MD)

XXXX XXXX and Mariner finance are reporting on XXXX. These accounts are old and need to be removed. Last pay for XXXX XXXX was XX/XX/XXXX and XX/XX/XXXX for Mariner Finance. Time elapsed and should be removed from credit bureau.
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC. (CA)

I financed the XXXX XXXX at the end of XX/XX/XXXX, it is now the end of XX/XX/XXXX. I have received 4 notices ( I have had the truck for 6 months ) from MAS Financial Services claiming that MAS Financial Services is not listed as the Loss Payee on my insurance, which has been current since the day after I purchased the vehicle. The notice also states that if I do not fax a current declaration page within 7 Days they will add coverage and charge my account, Increasing my monthly balance. After each one of  these notices I have contacted my insurance agency XXXX XXXX XXXX and they have confirmed that MAS Financial is listed as a Loss Payee. XXXX XXXX XXXX even let me know that MAS Financial returned an acknowledgment in return stating that they received the Declaration Page. I should not be harassed by MAS Financial on almost a monthly basis into sending them a current Insurance Declaration Page ( that hasn't changed and is still current ). MAS Financial is betting on the possibility that I ( XXXX Year old young man ) may not deal with their threat, in order to get more money out of me. In addition the notice I received Monday XXXX had a falsified date on it of XXXX, the same date as the notice I received the month prior. I am only attaching 3 of the 4 notices I received as I have misplaced the original notice i  received just after purchasing and insuring the truck.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Mohela continues to delay processing of my PSLF.I continue to receive forebearance notices that are post dated XXXX months in the future an last a year. ( XXXX ) .On XXXX/XXXX/2044, I requested that they take my account out of forebearance and set my account up for automatic withdrawal. They have sent correspondence approving the withdrawal and withdrew XXXX payment. 
In phone communication they stated the forebearance is needed to process loan sequences XXXX and XXXX that was submitted on XX/XX/year> to XXXX  XXXX for discharge.However, the forebearance is not alligned with the time period noted on the website.The response is then, " We are experiencing delay '' .My application was submitted in XXXXAgain my application was submitted in XXXXHow much delay am I expected to withstand? 
Additionally, while the delay is due to Mohela.Why must I pay interest that is due to Mohela significant delay in processing. 
I give Mohela permission to discuss all account matters openly with CFPB. A request for signature can be posted to my online portal if this permission is not acceptable. I can also be contacted by the email granted to you
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I closed a checking and savings account with Chase in XX/XX/XXXX, and left {$1000.00} in each account. I was told these funds, totaling {$2000.00}, would be mailed to the address on file. Those checks never arrived. 

I contacted Chase on XX/XX/XXXX about this issue. I was told, on XX/XX/XXXX, that the original checks would be canceled, and new ones would be sent to the address on file. These checks did not arrive either. 

On XX/XX/XXXX, I passed by the Chase branch located at XXXX XXXX XXXX, XXXX, MD XXXX, United States. The branch manager contacted a service that supposedly resent the checks again. Today is XX/XX/XXXX, and I have not received the checks. 

Today, XX/XX/XXXX, I contacted customer support by phone ( I contacted online customer support earlier, and was asked to contact the phone service ). The senior account manager I was redirected to informed me that the only thing he could do would be to send the checks for the fourth time. Despite my repeated requests toward a different solution, including contacting someone that could look into the issue more closely, I was repeatedly told that the only approach would be to resend the checks for the fourth time, thus repeating the same procedure but expecting different results. 

It has now been more than 3 months since I closed my accounts, and I have yet to receive the 2 checks. The first one is in the amount of {$1000.00}, and the second is in the amount of {$1000.00}.