davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase has begun a new fraud protection program which is preventing me from ach'ing monies due to clients. On every ACH I make, I receive a call from the Fraud department asking me questions about the recipient. These are personal questions that I feel should not be asked- how long have I known the recipient? how long have they been in business? What is their business? Did they ask you to transfer monies, etc. In XXXX ACH, after the monday evening call from with the Fraud Unit approving the transaction, I received a call 3 full days later asking me the same questions and saying the ACH had not been sent. Chase held my clients monies for a week. WHY isnt the question DO I APPROVE THE TRANSACTION???!!! I have spoken with the branch - who can't help. I have spoken to the online and fraud people, and the account execs. Now, they are rejecting my ach 's out of hand with no reason. I have quite a large sum in my accounts- personal, business, mortages all with Chase. I am at my wits end. I was on hold for XXXX minutes with the first rep. She transferred to me to a second rep, who now has transferred me to a third rep. I have been instructed that they are protecting me. The second agent just transferred me to another rep who is asking me the same questions.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have a previously paid in full student loan for my  XXXX .     Loans for my  XXXX   XXXX  were arranged by university of  XXXX  and managed by   Navient.
Navient   : difficulty with payment application to multiple accounts.     Was directed to forbearance and returned forms to  Navient  - they did n't apply forbearance and hurt my credit.     Attempted to lower payments and was n't allowed.     Account turned to  XXXX  :  XXXX  applied high pressure tactics including calls to relatives and friends after I requested forms for payment arrangements.      XXXX  did n't send payment agreement documents as agreed. Tried to pressure me to pay them without signed agreement in writing.
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Good evening this complaint pertains to a method of verification request I submitted to EXPERIAN after they claimed to have verified accounts on my credit report. I submitted this request circa XX/XX/2023 and Experian alerted me on XX/XX/2023 that account disputes were opened ; which is their usual practice whenever they recieve a dispute/request letter from the consumer. In the letter I requested the method of verification for the -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accts that appear on my EXPERIAN credit report that EXPERIAN claims to have verified as accurate. To date EXPERIAN has NOT provided me with the method of verification for the above mentioned accts and has closed my account. Screenshots of the notifications from EXPERIAN and the dates are attached to this complaint. FCRA section 611 states a consumer reporting agency shall provide to a consumer a description of the method of verification with in 15 days from their receipt of my request. To date It has been XXXX XXXX days and I havent received a response or verification. This is direct blatant NEGLIGENT violation and I demand these accounts are removed from my report immediately due to EXPERIAN S lack of compliance.
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I changed my phone number 3 days ago. I OWE DEPT TO NO ONE. This is the 3rd time in 3 days these scammers have called me. Each time they have told me they would take my name off their list. This is the third time I have given them my name. This is the 3rd time they have asked me for my SS Number. This is nothing but a scam operating under " PORTFOLIORECOVERY '' They have contacted me from XXXX and XXXX. 


This is a dangerous situation for people who do not recognize a scam ; please shut them down. Thank you.
Consumer complaint received 2023-03-31
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. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

XXXX is reporting false information regarding an alleged account they claim I gave permission to set up. The Customer Name listed at the top of the Service Agreement is not how I spell my name. This Service Agreement was signed on XX/XX/XXXX, however the signature on this Service Agreement is not my signature. This is not a valid contract. I did NOT sign this document. It was signed fraudulently. I never gave permission to open this account, nor requested an account be setup with XXXX. Consequently, this account has been sent to Enhanced Recovery Company for collection. Please see the attached letter dated XX/XX/XXXX from ERC regarding the XXXX Account XXXX. This negative reporting will hurt my credit score and I do not want this item to be falsely reported on my credit report.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

HI! 

XXXX I request a credit card increase and was denied. I received a letter with vague explanation as to why I was denied. 

XX/XX/XXXX - I request a credit card increase and was denied. I received a letter with vague explanation as to why I was denied. 


XXXX I request a credit card increase and was denied. I received a letter with vague explanation as to why I was denied. 

On XX/XX/XXXX ; I wrote the CEO XXXX XXXX and email regarding my concern and issues regarding getting a simple credit card increase. As of today XX/XX/XXXX ; I have not received a response from him nor any of his upper management / liaisons to assist with this matter. 

Today XX/XX/XXXX I took upon myself to reach out to customer service, I spoke to a manager by the name of XXXX XXXX he provided no last name or employee # ) who works in the XXXX fl Capital One office. I attempted to explain to him my frustration and concern. He begin to tell me he has no exact reason as to why I was denied, he this tells me to read the Q & A 's on their website to figure it out. HE than says a letter will be mailed with further details. As of today I received no letter, However theirs a copy of the same letter in my Capital One portal which again has no real specific explanation. I than request to speak to his manager he states there is NO mgr for me to speak with and proceeds to disconnect the call immediately. 

I have been a loyal customer with Capital One fr 3 year and this is the treatment I've received. NO help, Undervalued and disregarded. I have rights and should be properly communicated with about these matters as this is serious. I feel more could be done, I feel this company is acting in BIAS intend allowing certain ethnicities credit increases. The company is extremely unprofessional and have shown unfair practice to certain consumers. 

I am seeking the professional help of the CFPB to further investigate and help me in this matter of seeking a credit increase as well as reprimand of all employees involved! 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I submitted an application under the Temporary Expanded Public Service Loan Forgiveness Program to : U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. I have proof of delivery because I required a signature. Mohela received my application form, with all the required verification of employment, On XX/XX/2022, at XXXXXXXX XXXX 

Every time I use their website ( https : //www.mohela.com/pslf ) to check my application status, I get a message stating, " your PSLF form could not be found. '' I have proof that they received it and that " XXXX XXXX '' signed for it. Why can it not be found? 

I also have a serious concern about the fact that Mohela is suing the US Government to prevent anyone from getting their applications approved and to prevent debt cancellation of $ XXXX for anyone. There is a blatant conflict of interest here, yet from what I have seen, the CFPB has done nothing about it. 

To make matters worse, worried applicants have tried to contact so-called " service representatives '' at Mohela and can not get through. People are waiting as long as nine hours on hold and usually get disconnected with no opportunity to speak with anyone. 

This is unacceptable.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I submitted a dispute with Experian credit bureau on XX/XX/XXXX for a 30 day past due payment from XXXX XXXX. Payment was made before 30 days past due but due to the statement closing early XXXX XXXX reported this incorrectly. On XX/XX/XXXX  XXXX  XXXX completed the Experian dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now XXXX XXXX has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to Experian incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXXXXXX {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. XXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXX XXXX XXXX  {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX ORIGINAL CREDITOR:XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.
Consumer complaint received 2021-02-16
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: NCB Management Services Inc. (AR)

On XX/XX/2020, & XX/XX/2020 I sent letters to the CRAs disputing this account and their inaccuracies. In which they stated the dispute was resolved ( incorrect information was still reporting ) .On XX/XX/2020 I sent a letters the original creditor XXXX XXXX the CRAs, & to NCB Management asking for validation of the debt in which they submitted no proof of validation & inaccuracies were still being reported on my report after claiming they had been fixed ( not fixing the existing problem ). On XX/XX/2020 a letter from NCB Management stating they were unable to substantiate my allegations yet I have evidence on my report that contradicts that statement. Such as the dates being reported opened, the date of activity, the account status and more which are against FCRA regulations. This account is also in litigation due to deception and predatory lending practices of the original creditor XXXX. This account falls within the time frame of XXXX XXXX - XXXX XXXX in which XXXX settled and was found at fault.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

Dear Team, I was out of country when my 1 payment was Late and Wells Fargo Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ideal Collection Services, Inc. (FL)

XXXX XXXX XXXX -tried to dispute inaccurate item Ideal collection service -tried to dispute XXXX XXXXl -tried to dispute credit protection-tried to dispute XXXX XXXX XXXX-tried to dispute
Consumer complaint received 2019-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On Monday, XX/XX/2019 I went to the Citizen 's bank in XXXX, Massachusetts to consolidate a CD, a checking account, and a savings account into an estate account for my deceased ( XX/XX/2019 ) client. I am an XXXX and a successor trustee named in the deceased 's Trust. The bank is telling me I am " not on the bank 's owner of record as a successor trustee '' therefor I can not access any funds now! I have made several deposits and written many checks from the checking account for months, up to XX/XX/2019. My client had XXXX for over one year prior to her death. 

I know the bank is wrong as I have administered many trusts as a successor trustee and never had a problem before. 

I showed a death certificate, an IRS form showing an EIN, and the Trust which the bank had a copy of, and bank statements. 

The person I spoke with had no business card and would not give me his name, " I'm from another branch. ".
Consumer complaint received 2021-05-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On or around XX/XX/XXXX of 2021 I pulled my credit report to get an update on my current standing. On the report showed 2 accounts that were unverifiable by myself. I proceeded to write to the lending institutions to request " DEBT VALIDATION '' specifically and not debt verification. I did not receive said validation in their response to me. I then went ahead and filed a dispute letter with all 3 credit bureaus about these accounts and stated in the letter that whatever conclusion they come to i would like written proof of their investigations and findings. All 3 credit bureaus sent me a letter saying the debt had been verified along with a copy of my credit report, but no proof of how it was verified. I have written them several more times since then and they have repeatedly have given me the same response regardless of the fact that i have been demanding proof of validation of said debts. I believe that all 3 bureaus ( XXXX, Equifax & XXXX  ) are all in violation of FCRA statutes.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In acordance with the fair credit reporting act XXXX account # XXXX has violed my rihhts. 

15 u.sc 1681 section 602 A. States I have the right to privacy.

15. U.S.C section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-31
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. (IL)

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-07-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kohn Law Firm S.C. (IL)

KOHN law firm s.c. mailed me a letter dated XX/XX/XXXX indicating that they will be issuing a wage deduction notice to my employer because of a judgement that they received against me in late XXXX. However, I did file for XXXX XXXX bankruptcy protection and received a full discharge of all of my debts in XX/XX/XXXX, except for my federally-backed student loans. Since Kohns assumed loans were non-school-certified personal loans that were granted entirely in excess of my my cost of attendance between XXXX and XXXX, Kohn has no current right to seek wage garnishment against me since the debt that they hold was discharged in my XXXX XXXX  in XXXX.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank closed  XXXX  of my accounts without notice and then would not let me pay them off for over  TWO YE ARS! They continued to show me Charged OFF and hurt my credit score for THREE Y EARS NOW! Accounts ending #  XXXX  for {$260.00} and #  XXXX  for  XXXX .     I had to hire an attorney to get  Wells Fargo to accept payment and they would not accept payment! I tried going into the bank and asked the managers to accept cash and they would not. I sen t two checks in a  letter I sent to Wells Fargo Headquarters in   XXXX   XXXX , certified mail return receipt ( attached ), attention the VP of Consumer Credit and they did not cash my checks and did not even respond to my certified letter! I have written letters and rec 'd   one form letter back which was a joke since they would n't accept payment.
I read an article about how Wells Fargo created all those FRAUD loan accounts and saw a special line to call if I had problems with Wells Fargo and called. That person DID accept payment and these   XXXX     accounts are now paid in full  XXXX      2016 ( attached ).
All the time however, Wells Fargo continued t  o report me as a charged off account hurting my credit scores after I walked in and tried to pay these accounts off in cash!!
Consumer complaint received 2019-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Earnest Inc. (TX)

Final payment was made on XX/XX/2019 in the amount of {$520.00}, an overpayment of {$0.00} ; The student loan company ( Earnest ) then charged interest on the negative balance to bring it back to {$0.00} over the course of the next two months. 

I've called twice to try to close out the account and have been given the run around saying that it will be closed 60 days after final payment. It has been more than 60 days and the account still shows open online and I have not received a letter or email saying that the account is closed and paid in full.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

My name is XXXX XXXX, I live in Oregon and I have this situation with the banks. I received documents from Deutsche Bank national Trust Company and they are saying that I owe them money for some kind of judgment. I 'm not aware of any judgment especially from Deutsche bank. I 've had my loan sold to XXXX XXXX and I believe Deutsche bank already received money for selling my loan from XXXX because now XXXX has my loan and is asking me to pay my mortgage to them and XXXX is sending me my monthly statements. So why is Deutsche bank is after me and why is there a judgment when they already got paid for this loan by XXXX? 
Deutsche bank put a Sheriffs sale on my home for XXXX/XXXX/2015. I 'm very confused why they would do this and to me it seems like they are doing something very fraudulent here. I would like to stop the sale completely so that I could hire an attorney or if your company ( CFPB ) can provide a good one or recommend one so that I could have them investigate this matter and resolve this fraud. Please give me some time to do so.