davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  || Account Number : XXXX - Creditor : XXXX  || Account Number : XXXX - Creditor : XXXX XXXX XXXX || Account Number : XXXX
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: Navient Solutions, LLC. (FL)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT XXXX DEPT OF EDU/NAVIENT  XXXX DEPT OF EDU/NAVIENT  XXXX Navient   XXXX
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Tuesday XX/XX/XXXX I went into a Wells Fargo Branch and I ordered a new book of checks. They said it would take up to 14 days for it to arrive. With the holiday of XXXXXXXX XXXX XXXX coming up I added a few additional days due to the 1 less day of mail delivery that occurs.

After three weeks of waiting I called Wells Fargo to see why the checks were taking so long. After being transferred 3 times I got similar responses saying that it could take up to 14 business days to receive them in the mail, even after informing them that it already it has been close to a month since I have ordered them, there was no sense of they cared about this issue. 
After waiting another week I re-order my checks, they said since they have been delivered ( they were not ) that they would have to close my account and open a new one due to the potential of fraud. I asked if there was any other way to keep the account open and they ( allegedly ) attempted to put a stop on the whole book of checks that were sent. Two separate representatives tried this and they told me their system would not allow them to do so. 
I finally said okay and proceeded to open a new account with them due to the hassle it already was and I asked what would happen to my other account. They informed me that they can keep the account open for 90 days which was fine. The account was opened on XX/XX/XXXX. All the payments and deposits would continue to arrive in my account until that time frame and would have no issue switching everything over in the appropriate matter of time. 
On XX/XX/XXXX I was contacted by my company and they said that my direct deposit information was shut down which was concerning since it was well within the 90 days from which Wells Fargo told me it would be fine to continue to receive payments. 
I made sure to switch all my bills and payments to the new account since I could no longer allegedly receive money thorough this system.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (PA)

Dear Sir/Madam, The basis of this complaint began when I erroneously forwarded a XXXX XXXX Bill Pay payment to a closed Citibank account No. XXXX ( XXXX ) on XX/XX/XXXX in the amount of {$50000.00}. The closed account was for a mortgage and equity line that had been satisfied XX/XX/XXXX to the best of my recollection. The Equity Line ( XXXX ) remained open until XX/XX/XXXX. Proof that the payment was sent by XXXX XXXX is attached as Exhibit A. 

I have tried now almost a year to have this money wrongfully held. Neither XXXX XXXX or Citibank will help in my cause. Neither have offered us relief let alone help in this matter. I have had hundreds of communications attempts in writing, telephonic and in person communications with both institutions. I am attaching several of these communications to illustrate these communications. They dont show the hours of telephone holds and conversations with offices from NJ, Pa, Ohio, Utah to name a few. 

This is a GREAT amount of money and has caused us great hardship. It is being held erroneously by Citibank and they refuse to return it. 

I am attaching as Exhibit B several documents which illustrate the above timeline :. 
-XX/XX/XXXX Payment erroneously sent to CitiMortgage XXXX XXXX XXXX, XXXX Oh , XXXX. XXXX Acct No XXXX ( XXXX ) -Numerous conversations with Citibank trying to reverse the error lasting several months. Some conversations lasting hours of hold time. 
-An example of written correspondence is attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
-Several more conversations ensued with Citibank on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( just to highlight a few ). All stating summarily that they did not receive the funds so they would not be of assistance. I discovered that Citi had transferred mortgage payments to XXXX. After several communications with them I was advised that they had not received the funds. 
-I then went back to XXXX XXXX to ask for help but was advised that they had done their job by sending the payment and therefore not responsible and would not help me. 
-These communications went through XXXX to XXXX of XXXX. Again copies of all documents are attached. 

I am now contacting you in desperate need of assistance. Any help will be GREATLY APPRECIATED. I anxiously await your reply. 

Very truly yours, XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I previously froze my credit with Experian and did a temporary lift from XX/XX/XXXX to XX/XX/XXXX. They provided me a PIN and I kept it. Today, XX/XX/XXXX I went to the website to again temporarily unfreeze my credit report for a time sensitive application. The website would not take the PIN. I tried to proceed without the PIN and was locked out. I called the phone number and was only routed to a machine with an address with no details on how to unfreeze my credit report. This is unacceptable.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank Mortgage Department insisted ( loan applicant verbally and written expressed did not want ) on an accelerated appraisal charge and scheduling to loan applicant ao row mortgage lender could meet their month-end loan lending targets. This was despite the property not yet having gone through a scheduled inspection to determine if anything major needed repairs and the loan applicant wanting to withdraw his offer. Chase ended up charging the loan applicant {$500.00} for the unwanted and pre-mature appraisal. Upon request by the loan applicant to credit this charge and agreement by Chase, the {$500.00} was never credited back to the loan applicant. Additionally, the mortgage appraisal was never even shared with the loan applicant despite requests.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AZ)

This debt is more than 7 years old was removed from my credit report in XXXX because it was 7 years old and then re added by a different company. I never received notification other than XXXX XXXX. The date reported as opened in XX/XX/XXXX that is inaccurate
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Approximately {$3000.00} was stolen from my account. MY problem with my bank is obvious because, despite having the card and only using a couple of time to withdraw a small amount that was also replaced, i also have a problem with the CFPB for not enforcing federal law designed to protect consumers or at least force bank to protect its customers. I don't know how it is done, but Debit cards are duplicated and the PIN figured out without the holders knowledge. Also federal limits the loss of the card holder, something CFPB WILL NOT ENFORCE. Santander bank will not assist me because it does not have to, due to this federal agency not doing its job. I work way too hard for my money as well as meet responsibility to perpetrate fraud against myself. I want justice. 

Please don't play with my intelligence and say go to the police. The police treat me like i am the criminal and does not follow up on anything, meanwhile banks treat its customers as cash cows while getting federal bailouts at taxpayers ' expense.
Consumer complaint received 2022-11-04
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. (IL)

As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given XXXX, Equifax or XXXX any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. XXXX, Equifax or XXXX have verified or updated accounts without proof of what they used to verify them. the accounts in question are Equifax 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX these accounts should be removed immediately
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cottonwood Financial Ltd. (ID)

I received numerous calls from an unrecognized number. When I answered on the fourth attempt it was a robocall but it said my maiden name so I listened. It was very vague, did not give a company name or any details but said that my credit was going to be affected if I did not settle. I called the number and a gentleman answered. He did not give company name or any information and started verifying my name, DOB and social. He said he had a copy of my drivers license and bank information. He said that I had taken out a loan through The Cash Store. It was confusing and he wasn't answering my questions so I just said, I filed bankruptcy so if this was mine, it should be covered under that. He said payday loans aren't always covered under Chapter XXXX bankruptcies because the company gave me money so I can just settle this with him now and be done with it. It all seemed very strange so I called back and a lady answered the phone but was extremely rude and aggressive and refused to tell me what company it was. I continued asking to know what company it was or for a statement to be mailed and she said by law she doesn't have to give me any of that information and hung up on me.
Consumer complaint received 2022-11-04
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (MA)

I separated from my job and I applied for credit protection. I received the application and emailed everything that they requested. The credit protection program failed to inform the credit card company that I submitted everything. The credit card companies continue to call and penalize my account. I did everything and was told that I do qualify for the benefit. I tried to call the credit protection company today, but they stay on hold and wont say anything, then hang up. I then tried to call the credit card company and they also disconnected the call before I can speak to someone.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Signature Bank (NY) (TX)

I am an XXXX XXXX in the United StatesI was scammed by a phone call from a fake XXXX consulate in New York and tricked into transferring {$100000.00} to the scammers by having my chase bank account. I then transferred {$100000.00} from XXXX bank to the scammers ' Signature Bank account.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

Purchased a home and bought a home warranty plan from XXXX XXXX XXXX, there was an issue with the ductwork discovered later, I submitted a claim to them, XXXX XXXX XXXX denied the claim, I provided professional reports and comments from the technician they had sent out disputing their conclusion, they chose to ignore my responses and not answer the direct questions I had about their conclusion ( conversation attached ). 

As a result I disputed the {$550.00} charge for the plan with the credit card company I paid for it with, the Best Buy Visa Card serviced by Citibank. I disputed it on the grounds that I never received the goods and services that I had paid for and had made a good faith attempt to resolve the matter with the merchant who was now no longer responding. I frequently called Citibank to get an update and see if more information was needed from me ( their call records will show this ). I could not speak with the disputes group investigating the matter and was later told it was not resolved in my favor because the merchant had shown I authorized the purchase. When I pointed out that was not the reason for initiating the dispute, but that I did not receive the goods and services as described that I paid for, City Bank refused to reopen the case or evaluate how they well exceeded the time frame for these issues to be investigated. 

I did not receive the goods and services as described from XXXX XXXX XXXX. They have chosen not to respond to my questions after an attempt to resolve it with them. The credit card company did not investigate the dispute properly or within the appropriate time frame and that is what is prompting this complaint.
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (NC)

Dear CFPB, I have made numerous attempts to validate a debt reporting under my credentials. Ive disputed over and over again, only to have the reporting agency ( Experian ) to claim verified as accurate. I recently sent evidence of my letter returned from the alleged creditor, due to unknown address. Ive sent Experian the pic of the return envelope, print out of the tracking information and as well as the certified letter receipt. Under the FCRA, any information that is incorrect or is not completely accurate, must be deleted. I have disputed the entire account and its validity. Ive made attempts the contact the alleged creditor to seek evidence of the debt owed. I have been unable to contact the alleged creditor because the address thats on my Experian report is return as unknown. My question is how is Experian able to verify anything, if the address on my report is not correct or unknown. U.S. postal service has verified this isnt a real address. More disturbing is with my prior disputes with Experian, this account has been verified as accurate with as little as 24 hours, on several occasions. I plan to seek litigation against this reporting agency and strongly urge to please conduct a thorough investigation into the practices and compliance to the law that this company routinely breaks.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (TX)

I purchased my vehicle on XX/XX/2019 from a auto dealership in XXXX Texas. I was told by the dealership that the lender required that I purchase Gap and Warranty. This added about {$3000.00} on to my loan ( {$2500.00} for warranty and {$470.00} for gap ). It made my payment {$380.00} a Month. I was later told that I did not have to have those. When I found out the that they were not they were canceled and the money was sent back to the lender. The lender continued to tell me that the length of my loan would reduce from 48 months by taking a year off and my car note would go down. I asked for the truth so I would know if I wanted to continue to keep the car. The dealer said I could resind the contract but and the lender said when they got the money back it would reduce the length on loan and reduce the payments. I have found out now it was not true. When I ask for a extension on my loan they now ask for me to sign a document that I will waive my right to file any suit against them. Global lending has scammed me. They have also damaged my credit previously by reporting inaccurate information such as wrong balance, which was higher and reporting my account as closed. 

This company has continued to deceive me, they have told me things that were not true and then put on document that i would have to waive rights to sue.
Consumer complaint received 2020-03-26
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. (CA)

To whom it may concern : This complaint will indefinitely outline Experians ( credit reporting agency ) lack of properly investigation inaccurate accounts on the on my credit file. In result of the inaccurate investigation and inaccurate reporting its causing a financial hardship and burden for me. 
On XX/XX/XXXX I requested in writing for the company to investigate the inaccurate accounts that they are continually reporting on my file. I received a response on XXXX XXXX stating all the accounts were accurate and verified along with a copy of my credit report. I begun to do my own investigation by reaching out to the companies on my file. I later found out those same companies dont have anything accurate or any original contract/agreement with me. On XX/XX/XXXX I again requested on writhing from Experian to please send me proof of the original investigation and asked them their method of validation. I informed them I reached out to the companies and they have nothing accurate or original just bills they claim are mine. I also informed Experian that the amount they are reporting on some of the Accounts owed was different from the company ( s ) bill. On XX/XX/XXXX Experian responded and again stated all accounts were verified and accurate without send me proof or stating how they verified them. On XX/XX/XXXX I expressed to Experian how disappointed I was to know they are not doing the right thing and to please verify my accounts and if they cant be verified to deletes them my credit file. On XX/XX/XXXX I received the same response as before however they told me to call one company and asked them for more information. I began to realize that they are not doing their job accurately because is so I wouldnt be going through this. XX/XX/XXXX I sent another letter requesting them to thoroughly investigate, validate, verify, and not use the EOSCAR system. XX/XX/XXXX I received a letter from Experian stating I can Request a credit report for {$8.00}. They totally disregarded To properly respond to my writing request asking them to not use the infamous EOSCAR system and manually investigate my accounts. Im in complete disbelief that they can get away with this. Im even more disgusted that I pay Experian monthly for credit monitoring and this is the treatment we get as consumers
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we were in the middle of making payments from our business banking account on the CHASE website, when it locked us out for " suspicious activity. '' It displays a number to call. Hold times are over two hours. Many times they'd answer then put us on hold for another 2-3 hours.

When we finally got through to the fraud department ( total 7 hours on hold ), they said they couldn't help us, their " verification system '' isn't working. 

Meanwhile, we have no access to our business banking account. Which is crippling our business and not allowing us to pay our workers in this time of need.