davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Chase bank offset my account on XX/XX/2022 and justified such action by citing their 'The Deposit Account Agreement ' which outlines the definition of a joint account. This agreement also states that " We do not have to give you any prior notice to apply the funds except as required by law ''. As stated in 'The Consolidated Laws of XXXX XXXX ', Chapter 2- Banking, Article 1 : Short Title ; Definitions ; Miscellaneous Provisions, Section 9G 'Right of set off ', subsection 3 - " No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor ''. I nor any other of the joint account holders were ever notified of an intent to offset by Chase bank, making their actions on my account unlawful.
Consumer complaint received 2022-10-05
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: Bread Financial Holdings, Inc. (TX)

Comenity sold past accounts to XXXX and XXXX. I paid my debt as requested and provided a letter of deletion to XXXX and XXXX to which they agreed after communicating with Comenity. Comenity advised by phone that they would have the derogatory " closed '' accounts removed from all 3 companies. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on multiple dates going back from 2019 to current. These have still not been removed from ALL reports. I'm demanding these be removed immediately. I've done everything as requested and I've found from others Comenity has done this to many people. I'm reporting the company to XXXX  and CFPB for help before seeking the courts attention to this matter. These derogatory closures are preventing me from moving forward with my job, purchasing a home etc... Comenity and XXXX both knew in advance my wife was diagnosed with XXXX XXXX. She was unable to work, XXXX XXXX XXXX XXXX XXXX and I was taking care of keeping up with the household bills, medical, medication and kids. This is why they agreed to remove completely since I paid off per the judgement ordered. When these lines of credit were obtained our income could afford the monthly bills. Unfortunately, we didn't think XXXX would hit a XXXX XXXX XXXX woman without any signs or notice. I simply want to move forward and I've gotten my hopes up only to be failed over and over again. This isn't a good light for comenity and how they treat their customer and failure to keep their promise when the customer has done everything asked. Please remove the below accounts from my credit reports. 

The below accounts need to be removed immediately. 
Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity Bank/XXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX XXXX XXXX and XXXX XXXX XXXX ) Comenity BankXXXX XXXX, XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity Bank/XXXX- XXXX, XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (FL)

Equifax reporting inaccuracies on my credit report the third time and keep hurting my score it was remove from my credit profile XX/XX/22 and was report back XX/XX/22 in less than 24 hours
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The below inquiries are showing on my credit report and I did not make them. I need these removed as it's fraudulent. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I called a number on XXXX that was supposed to be for XXXX and was scammed by the person who answered my call. During the call he gained access to my bank account and took almost {$4000.00} out of my account. When I reported what happened to the Bank of America they would not refund me the money I was scammed out of.
Consumer complaint received 2021-04-14
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. (SC)

I have contacted Experian NUMBEROUS of times about my 17 collections and 5 inquiries being incorrect on my credit report. These are not mine and are an error on my report. Both collections and inquiries need to be removed immediately
Consumer complaint received 2019-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I keep getting phone calls every single day. I don't owe any debts to anyone or any company. 
Ive called them 4 times in a row to get information & they wont tell me anything. They just ask me questions about my family members and personal information. Which I refused to give them because they are calling ME. 
When I called them back they said someone I know used my phone # during an application for credit or utility of some kind. They wont give me any other information. 
I told them to stop calling me because I dont owe them anything. 

SEQUIUM - ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NH)

I have private student loans with Discover Student Loans. I misread my statement and thought that my payments weren't due until XXXX when I was initially notified. Unfortunately, for the past two months I have been severely inundated starting a new job, having significant health insurance barriers, preparing to testify as a victim of XXXX XXXX  in an upcoming trial and working with the XXXX rights group in my state to file a state and federal complaint against a doctor who was abusive and discriminatory towards me. I have been receiving no less than FIVE phone calls per day from Discover - DAILY - about my bill that is not even one month late. I have outreached them 3 times this week alone to STOP calling me because I would be calling tonight XX/XX/21 at XXXX XXXX  EST. The continue to call me. I blocked their number and told them to notate on my account that I had to block their number because of their absolutely predatory and harassing behavior. This has been an enormous disruption of epic proportions to my work as well as my personal life. I JUST GRADUATED IN XXXX. I will absolutely be having these loans subsidized or refinanced or bought out by literally ANY other agency because this is not the first time that Discover has done this to me. EVERY time I have a late payment - which happens for absolutely legitimate reasons - they harass me AND the co-signer this way. This is so far beyond unacceptable and I have reached out to legal counsel about this matter. I don't have time to be calling them and filing complaints all XXXX day while I'm trying to work - this job is what will be paying their stupid loan bill so you would think that they would use an OUNCE of discretion in helping to preserve that. I have never been so outraged in my life. I have medical bills in collections for 3 separate agencies and even THEY don't call me more than 1-4 times PER MONTH! Furthermore, I was forced/threatened by the co-signer into signing these loans as a young adult so to have them repeatedly harassing me then harassing the co-signer who then ALSO harasses me is horribly triggering for my XXXX symptoms and is violating. This is the most disgusting debt collection behavior I have ever dealt with and I absolutely will not continue to tolerate it. We are still in a pandemic. I had to work 3 jobs and a full-time XXXX  just to pay a REDUCED loan rate with them while I tried to finish XXXX XXXX. They are absolutely abusive.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (PA)

I continue to receive unwanted text messages from a company called Capital Link Management about a XXXX XXXX taken out by a family member who I do not have contact with. They text from a different number every time. I respond 'STOP ' every time but then receive another text message from a different phone number. Below are the days, time, and phone numbers from which I have received calls over the last few months. 

XXXX ) XX/XX/2022 at XXXX ET ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX ET ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fairway Independent Mortgage Corporation (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2018-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (AL)

I was sent a check in the mail offering me a loan with XXXX XXXX, around XX/XX/XXXX. I cashed the check in of XX/XX/XXXX, started my monthly payments in XXXX of {$150.00}. I got with a debt consolidation company called XXXX XXXX XXXX to help consolidate my debt around XXXX or XX/XX/XXXX.  The following account with XXXX XXXX was added to the debt consolidation. I didn't make payments with XXXX XXXX moving forward, however I went to court for the account with XXXX XXXX to agree upon moving forward their payments will be received from XXXX XXXX XXXX. I have documents showing payments being made to them timely and a pay off date. I have been harassed about payments from XXXX XXXX, which they have indeed been reviving from XXXX XXXX XXXX on time ( I have documentation ). XX/XX/XXXX the account for XXXX XXXX was paid off in full thru XXXX XXXX XXXX. But now XXXX XXXX has been adding derogatory remarks to my credit report, and building late fees to my credit report, and not once XXXX XXXX have reached out to me regarding the amounts added to my credit report. Will upload a few documents showing proof of payments, and can provide more documents upon request. XXXX XXXX XXXX can be contacted also for proof or my lawyer with XXXX XXXX XXXX.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I had an incorrect charge and Duplicate charge from XXXX on my checking account back on XX/XX/XXXX - I have made XXXX claims with Wells Fargo and they have denied both. I requested the documentation be mailed to me that they used to make the decision so I could go to XXXX and also place a police report to get my funds returned. I requested this on XX/XX/XXXX - never received. When I called to check on the documents, they stated they were never sent and it will be another 10-12 business days to receive. This is a large sum of my money that is due back to me. I provided the receipt from XXXX showing the incorrect amount was charged and also provide my XXXX statement showing that is where the funds came from for the second charge for the gift cards along with a detailed letter explaining the events on XX/XX/XXXX. XXXX has no concerns for me getting my funds back that were incorrectly charged to my account even when providing them proof that they were charged incorrectly.
Consumer complaint received 2023-02-27
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)

Please Remove the fraud alert from XXXX, XXXX, Experian immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, TX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Dear CFPB : I assisted my client in obtaining the attached modification. He does not speak XXXX. He signed the modification and it was received by the lender. He made payments on time pursuant to the agreement. The lender allegedly decided they needed to send a notary to his home to obtain a notarize copy. I am licensed notary. They allege they contacted the client by cell phone and left XXXX messages. My client always asked for XXXX representative when calling on his loan. They never called or emailed my office. They also never sent me a letter regarding the need for a notary. The package I received did not contain a notary. They are now trying to withdraw the modiication offer although the client is ontime with payments and has not defaulted. 

The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex ( including gender, gender identity, sexual orientation, and sexual harassment ), familial status, national origin or disability at any stage of the mortgage process, including : Approvals and denials. 

The lenders actions in this situation are in violation of the Fair Housing Act.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This is about trans union reporting that I have a derogatory remark on my credit score,  which has been paid for months. 
This is affecting my credit score. XXXX has posted the correct score for 4 months.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CO)

This debt was paid XX/XX/XXXX with check # XXXX. I recently pulled my credit report and it is still showing unpaid and with a balance on my credit report. This is hurting my score and the chances of me getting my home. The rep I spoke to said they will remove this from my credit report in 30 days.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have had outstanding student loans for over 20 years. I have been making payments on them every month. Lately I began paying {$1200.00} per month in order to get rid of them. I started looking at the principal and interest on the loans. Nelnet is charge me {$50.00} more per month in interest now even though the rates on both loans are fixed. I do not see any way that the interest can increase after 20 years when my payments are over 4X the required amount. I've asked for an amortization schedule. The loan balance isn't high enough for an additional day to cause that much cost. They are not calculating my payments right and they haven't been for months. If my interest was {$100.00} per month before the large payments, it should not change. It can't be {$150.00} now. I have tried several times to get this remedied and I don't believe any of them even understand what's going on. 

I am sure this is inaccurate at best ... could be worse.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (TX)

Hi there, My wife and I are in bankruptcy. Due to this, our bankruptcy payments go through the Trustee who then makes payments to the mortgage company. Those payments are sent in a timely manner each week and we have had no problems ( been in bankruptcy for 4 years ) until now. Click n Close ( aka-Mid America Mortgage XXXX XXXX XXXX XXXX XXXX has taken over the loan. They refuse to pay the insurance to our home insurance company XXXX XXXX. The legal documents for Case # XXXX include the instructions that mortgage and insurance payments are to be paid through the bankruptcy case. We are not behind and our attorneys have attempted to rectify this with the mortgage company, but they do not answer. If they do answer us or the attorneys, we are given information to silence us but they are uncooperative and unprofessional. 
At this point, we need our home insurance paid and Click n Close ( or the sister companies ) has the money but are refusing to pay. Please help!!
Consumer complaint received 2019-07-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX/XXXX/ XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent three letters which are attached to this dispute clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. In fact the 2nd letter I wrote was returned as frivolous so I took the time in the third letter to write a detailed explanation and I sent highlighted credit reports from Experian and XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. XXXX   deleted these accounts for inaccuracy in May once a dispute was filed. Experian claims that these two accounts have been investigated three times, but the date of status has not changed in the disputes indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the three letters sent to Experian, My XXXX and Experian credit reports and the three Experian dispute results. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.