davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (OH)

I have been guided to your website by an aid from U.S. Senator XXXX XXXX 's office Ohio 's XXXX District.. 

I have leased a safe deposit box of which I have contracted to lease from the local Chase branch and is currently up to date fees as required for the lease of the box of. Which I've leased for approximately one and a half years. I was told by an officer of the bank I would always be able to access my box during bank working hours.. 

My dilemma is such that the aforementioned bank, Chase Manhattan located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is currently closed. No one working the outside window and nor is anyone available by phone inside the branch. In addition I have contacted Chase Manhattan corporate offices- consumer relations department and have not gotten anywhere. I contacted the local XXXX XXXX police department to see if they had an emergency contact also to no avail. 

I understand Chase closed many branch offices due to Coronavirus issue, However I was not given an opportunity to retrieve my valuables before the bank closed. No communication at all from the Chase branch either via e-mail, USPS or via phone. .I am laid off from my work due to to the Coronavirus issue and desperately need to access my valuables so I can sell them.in these trying times. 

I do not think it is ethical that Chase is not allowing access to safe deposit boxes, while other banks are. at this time. I understand these are stressful times for all but adding stress at any age weakens one 's immune system. 

Sincerely,
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: DISCOVER BANK (IL)

Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, Discover and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX  and XXXX   and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - XXXX  XXXX Date : XX/XX/2020 - XXXX XXXX XXXX  report : Date : XX/XX/2020 - XXXXXXXX XXXX Date : XX/XX/2020 - XXXX  XXXX  XXXX I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : XXXX.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others
Consumer complaint received 2020-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX, I was enrolled at a state university, where I became an on and off student for a number of years. I was not ready for college, and so, I was not able to complete my XXXX XXXX XXXX. 
When I stopped attending classes, my federal and private loans were consolidated ( about $ 40k ) and have been transferred to several companies throughout the years. They are now with Navient. 
In XX/XX/XXXX, I returned to school and have been in school since. As of this time, I was able to pay back some of my loans and owed about $ 15k. 
In early XXXX, I reached out to Navient to defer my student loans because of my in-school status and my low income. They said that all of my loans would automatically be deferred once they received information from my FAFSA. 
As of XX/XX/XXXX, I am still in repayment for my private loans. When I called Navient today to find out why money was still automatically debited from my account, the representative confirmed that only my federal loans was deferred. When I asked why only some accounts were deferred and not all, she could not provide a straight answer. Because of the Covid-19 situation, they were able to put a 90-day hold due to natural disasters. I am currently working to refinance my loans with a more reputable company.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up my credit report.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (TN)

I had contacted Radius Global Solutions ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XX/XX/XXXX. XXXX is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XX/XX/XXXX it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle it.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (CA)

I purchased an on line golf instruction video. The company wrongly added additional services I never asked for. I received a bill and noted these additional charges. I called and had them removed, and even had a reference number. I never got a bill from US Bank again but I logged on to the account to check. This is when I found out that the golf company never removed the charge. I also found out that I never got a bill as I was now on " paperless '' payments with US Bank. I was never on paperless billing and have been paying bills for years. This I never knowingly requested, nor was I aware of this change and I had never begun the process of changing over to paperless banking. It is quite elaborate and one has to submit a routing number to a bank, etc. I called US Bank and discussed my concerns. I gave all the information about the on line golf company, including the reference number. The US Bank rep noted I may have " clicked '' on something when logging in to US Bank that changed my billing preferences. I pointed out that when I was logging in recently, I may have inadvertently checked request for paperless banking. That was how the on line page was set up. I requested she send a note to their IT dept, and clarified I did not want paperless billing. I went to a US Bank office and paid the bill in person.US Bank sent a form requesting the same information as I gave over the phone. However, When I received the letter it was " Due '' three days later. It was going to be late. They said they never got it and so, could not reverse the refunds for the late fees, etc. US Bank has all the dates and information. If they deny it, they are lying. They lied about me requesting " paperless " banking and changed their on line form. I, with my wife present, logged back in since and had to actually search for the page requesting paperless banking, so there is no way I did this before. Their page setup had been changed on line, so a person might click on this choice in the very beginning. Same un ethical practice as XXXX XXXX.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the collection company named : XXXX XXXX XXXX XXXX has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency XXXX XXXX XXXX and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-28
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX and equifax are missing generation identifier. These are inaccuracys Equifax reports status updated XX/XX/XXXX XXXX reports status updated XX/XX/XXXX. These are inaccuracys. 

No last payment date is reported on Equifax or XXXX. This is an inaccuracy. 

XXXX balance updated is XX/XX/XXXX. Equifax balance updated XX/XX/XXXX XXXX original balance is {$5400.00}. Equifax original balance is {$2000.00} Equifax and XXXX both have different account numbers
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been a Walmart credit customer in good standing since 1976. Capital One bought out XXXX XXXX  Walmart charge accounts. When I received their letter informing me of this fact, I tried to establish an account with them online because I pay all my bills online. It took 5 weeks of phone calls to determine they did not have anything about me correct in the transferred record. At this point, they started treating me like a criminal in identity theft! For another 2 months I tried to reconcile with them but they never responded to letters ( which they require for disputes ) They made countless mistakes with my personal and banking information, each time charging me a fee and interest on those fees. In a timely manner, I paid all outstanding charges on my Walmart credit card, but I ignored their fees because they should never have been applied! Over a period of 4 months, I wrote 5 letters ( never a response from them ), and a total of 12 hours on the phone trying to get this resolved. In my last conversation, an employee saw their mistake and agreed to cancel the returned check fee and late fee for that month, but refused to refund all other late fees and interest that had been applied. The problem with that is that by then, I had a XXXX  balance owed and subsequent fees and interest were calculated on their mistakes. After 2 months of this mistreatment, I cancelled the card and have not used it since. They refuse to do the right thing and cancel this out. They just keep sending me invoices with more fees and interest. Not one single dime of the outstanding balance is legitimate. Practices like this should not be permitted!
Consumer complaint received 2020-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I am trying to have my student loans with Navient deferred for 6 months per the new stimulus package which passed this week. The customer service representative stated the loans were now " Navient Federal '' loans not just federal loans, and therefore only qualify for a 90 day deferral.
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-27
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. (OH)

I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX  sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX  closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX  will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX  responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (OR)

I setup an transfer on XX/XX/2023. On XX/XX/2023 they completed the transfer XXXX, resulting in my other bank account going negative. It is XX/XX/2023 and my Alliant Credit Union account isn't showing any funds were transferred over. I have lost a total of {$3000.00}.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (NY)

I HAVE JUST NOTICE ON MY CREDIT REPORT INACCURATE CREDIT CARD CHARGED OFF ACCOUNTS ON MY CREDIT REPORT I WOULD LIKE THIS ACCOUNT TO BE REMOVED AND DELETED OFF OF MY CONSUMER REPORTS THIS IS A FRUAD ACCOUNT PLEASE REMOVE THANK YOU
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (VA)

Due to the Corona virus situation, I try to talk to lendingclub about the options they offer during this financial period but their online service is down and the call center isn't answering. I waited a total of 7 hours for the last 4 days to contact any personal from lending club but no luck at all. At one point, after waiting two hours they answe my call finally on XX/XX/XXXX. Although they offer deferment for two months yet the interest is still would be accruing. That is unacceptable.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KY)

I set up a PayPal account XXXX and as soon as I received the money in my account {$1500.00} they permanently locked me out during the coronavirus crisis making more stressful to take care of my family telling me I can not recieve my money for 180 days. They told me I had 2 accounts that I owed amounts on and that if I paid then that would restore my account and I would have complete access to my funds {$1200.00} after making accounts current which I did no questions but as soon as I paid the locked me out. If i cant use PayPal then why allow me to make an account verify me and then keep my money. I'm not a seller this was only a transfer ONLY. Legally they are not a bank and can only hold funds up to 21 days by law. Now they wont respond of give me my money nor an explanation. They can not keep anybodys money it is not legal. And with this crisis I should not have to apply for government assistance when I legally have my own money they will not give me. I also have photos of conversation with PayPal telling me if I make old accounts current that they would give me access to my money in that account.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (MD)

To recap the events from XX/XX/2023 to now, in XXXX a fraudulent check in the amount of XXXX was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XXXX XXXX  and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. 
On XXXX XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the check systems because of the early warning services report filed by XXXX. I was asked to dispute both the XXXX XXXX and XXXX  ( which was already done ) and to file a police report. I filed a police report then. 
I then was told to contact the fraud department in XXXX XXXX. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and first warning systems which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX  but not first warning. So currently, im still unable to get ahold of any XXXX representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. XXXX XXXX
Consumer complaint received 2024-03-10
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.