davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I am trying to sublet an apartment that is part of a co-op. I found a sublet who wanted to move in XX/XX/2021. The co-op board requires a " letter of consent to sublet '' from the mortgage lender. In order to start the process I called my mortgage lender on XX/XX/2021. They told me to send them a fax with my loan number which I did immediately. They them sent me a questionnaire ( see attached document ) through the mail which I received on XX/XX/XXXX. The letter also asked for other documents that had to be provided. I am unsure why they could tell me that I would need those documents when I contacted them on XX/XX/XXXX as I lost valuable time getting them from the co-op board. I finally got all the documents and send them to the bank directly by email to speed up the process and impressed on them the time sensitive aspect of this matter ( see attached email correspondence ). I then sent multiple emails asking for updates and it is now XX/XX/XXXX and my point of contact at the bank is telling me she is just now starting to look at the documents and is unsure if she'll be able to send them via email instead of by mail which would take another few days. 

So in conclusion I started a process 7 WEEKS ago to get a simple document from my mortgage lender in order to be able to sublet my apartment. Due to their negligence and extremely slow process I have been unable to start the lease as expected and I am losing considerable rent revenue and I am at risk of losing the renter as well which would set me back even more.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XX/XX/XXXX, I received a letter from Hunter Warfield attempting to collect a debt. In response, I sent a debt validation request letter, via email and certified mail, which was acknowledge as received by Hunter Warfield. My validation letter it attached to this report. 

To date, Hunter Warfield has not validated the debt. 

However, on XX/XX/XXXX, I received notification that Hunter Warfield had reported the debt to the credit bureau, causing a drop in my credit score of XXXX points. This is illegal as I do not recognize this debt and it was not validated.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I can not access mine and my husbands money in USAA Federal Savings Bank. I have had durable power of attorney since XX/XX//2020. I have faxed every document they have requested to prove who I am, who my husband is, Every time they ask for a new document or take a note they place another 3 day hold on my account. As soon as I am done waiting on the first 3 day period they put another 3 day period. They dont allow you to speak to their fraud department. Not even can the representatives speak to them when needed. They are not allowing me to access our money and my home is going into foreclosure because I can not access my money to pay my mortgage.
Consumer complaint received 2017-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I paid for car repairs in the amount of {$2000.00} at XXXX XXXX XXXX XXXX XXXX with my Capital OneCredit Card. I found out they simply painted over a dent when they charged me to fix the dent ( the total repairs were {$7000.00} for a XXXX XXXX XXXX accident ). XXXX XXXX gave me a warranty with the repairs. I told them they charged me for a unibody pull and they did n't perform one, they simply painted over the dent in the right rocker panel. They refused to honor the warranty. I called Capital One and gave them all the documents they requested. Their foreign merchant dispute personnel did n't tell me what they needed, but I provided all required documentation and a merchant second opinion along with a second estimate for re-doing the repairs that XXXX failed to do. Capital one REFUSED to submit my documentation to MasterCard and would not extend the timeframe to dispute due to their own horrible foreign non-XXXX speaking customer service people who messed up the chargeback dispute due to their incompetence. I want to invoke my rights under the Fair Credit Billing Act - I will not pay the {$980.00} I am disputing nor will I pay interest on that amount. I want that {$980.00} removed from my credit card bill.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

To Whom  it may Co ncern : I had a loan since  XXXX  it was in forbearance for ten years. I finally made arrangements to repay my loan. My loan repayment started in  XXXX   XXXX  and its now  XXXX   XXXX . I was told in  XXXX  if I made 120 payments I would be able to get a loan foregiveness in  XXXX   XXXX . I just got off the phone  with Navient and was told I had 57  more months of payments. I find this ridicilous I already paid  XXXX  for a  XXXX   XXXX  dollar loan.
Consumer complaint received 2022-03-26
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. (FL)

According to Experian, collections for federal student loans have been placed onto my account from XX/XX/XXXX through XX/XX/XXXX. The second collections notice shows collections reports for another federal student loan from XX/XX/XXXX through XX/XX/XXXX. 

The first loan amount is {$2500.00} and the second is {$1700.00}. 

According to " House XXXX XXXX XXXX '' ( XXXX ), " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions are contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 goes on to state : " As used in this resolution, the term 'obligation ' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. '' HJR-192 superseded Public Law ( that which passes as law today is only " color of law '' ), replacing it with public policy. 

This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. 

In addition, " 15 USC 812 '' explains that these " debts '' should not have been reported in the first place. With that being said, I am owed {$1000.00} per collections report as of the year XXXX through XXXX. 

Due to these reports, my credit score has been oppressed, ultimately keep me from being able to purchase a home, get approval for loans and other credit based financial opportunities.
Consumer complaint received 2023-09-04
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

In early 2020 my identity was stolen, I called all my Synchrony accounts and had them put on hold. I was promised that I would not be charged for anything I did not purchase. Since that time I have been complained to Synchrony SYNCB/Amazon that I did not make these charges, but they still filed a complaint on my credit report due over 90 days. The amount is {$870.00}, as at the time I had canceled SYNCB/PAYPAL, SYNCB/LOWE 'S, SYNCB/HOMEDEPOT , SYNCB/AMAZON AND several other just through SYNCB ? The number I was given on the back of my credit card was in a foreign country, I could not understand their English and they could not understand me.
Consumer complaint received 2022-09-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX  XXXX ACCT # XXXX, XXXX XXXXXXXX XXXX  ACCT XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCT # XXXX, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have notified Equifax many many times by phone, email and mail as to the account in reference and they have called me but spoken to someone other than myself and have given out personal information of mine which I did not authorize, when I notified the XXXX back in XXXX or 2018 of this after prior emails to him that is when all response has stopped. 
There is an account on my credit file for XXXX listed as a Foreclosure ( which I have never had any property in my name ever ) and I have notified Equifax many times as I have stated above. All they do is update my credit file as the creditor said it was mine. 
First off I would like to know what physical proof that they have received from such creditor ( which they stated that the creditor just said it was correct, so no proof was ever sent ). 
How can you place something on someones credit and not verify that it is true and correct which is what they are supposed to do. And since this has been going on for over 3 years I am at the point that this needs to be DELETED IMMEDIATELY. I have verified with the county office where this was supposed to have take place and there is infact NO FORCLOSURE proceedings ever recorded in my name as I stated above. 
If there was a FORCLOSURE it would have been listed at the county office at the state where this was supposed to have taken place. 
I AM AT THE POINT THAT THIS HAS BEEN RUINING MY LIFE LONG ENOUGH AND THEY HAVE HAD MORE THAN AMPLE AMOUNT OF TIME TO DELETE THE ENTRY. 
I do have emails between them and I and like always it just gets brushed under the rug and no help is given. 
The CFPB regulates them and you should not let them continue to treat citizens in this manner. 
Your immediate response would be greatly appreciated as I feel I have been treated unfair long enough and something needs to be done.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Chime Ticket # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Hello and thank you so much for helping out, I spoke with the dispute team at Chime early XXXX to report these transactions. 

I was promised that these would be resolved by XX/XX/XXXX, it is now XX/XX/XXXX with no resolution. 

Ive provided them the police report and have reached out to the dispute team and no one has been able to help out. 

Ive provided all the details to the team and I have been neglected The agent said that they contacted those merchants on XX/XX/XXXX, however, they have not heard a response yet so I dont know why they are taking so long to resolve this issue when Ive XXXX all the details. 

I need support as the investigative team is not doing their job and resolving this issue for these disputes
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion has multiple opened cases originally dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they have not responded back to me. Fcra states they have 30 days, in extenuating circumstances up to 45 days. Not 60 days at all it's well over 30 days and I have yet to receive any communication regarding my complaint. TransUnion is listed as the source furnisher. TransUnion have received via certified in XX/XX/XXXX XXXX Order Expungement/Restrict Public Access for case. My attorney states, the Court Judgement will sacrifice. They have received ftc affidavit, XXXX Police Report Case # XXXX, XXXX Police Records department to obtain a copy of police report at XXXX XXXX XXXX. 
Letter from bankruptcy Court Clerk Office, Current Copy of my Utility Bill for XX/XX/XXXX, Copy of my Driver 's License, & Social Security Card. All the requirements according to the fcra Rules for Identity Theft. And TransUnion still refuse to remove all the fraudulent inaccurately reporting information from my credit file. This is a violation of my fcra rights.
Consumer complaint received 2017-06-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

We are   trying to request a short sale - Chase received the request recently and denied the request because the home was rented for a period of time.
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The home owner had to relocate due to a family emergency. At that time, the home had negative equity ( could n't sell the home ) so renting was the best alternative.
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Fast forward 3 years - the home is now vacant - tenants moved out - and home owner needs to sell the home.
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Chase has decided to deny the short sale request because the home was rented for more than a year.
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Please help me explain to Chase that the seller only rented the home because he could n't sell it 3 years ago due to the negative equity position and h  e did n't know anything about short sales.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions, Inc. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I opened a Chase Bank Premier Plus Checking account. I was told at the time I opened the account that due to being a Veteran, the account was being upgraded which allowed certain extra benefits, one of which was free wire transfers. 
I sold my home on XXXX XXXX, with a sum of money deposited on Monday XXXX XXXX. I called XXXX. to inquire about effecting a few wire transfers and without asking, the service rep offered that due to the upgraded account for Vets, the wire transfers would be free of charge. 
XXXX XX/XX/2022 in went to a local Chase Branch in XXXX, CA to complete the transfers desired and was told each wire transfer would cost me {$35.00}. I protested, but as there is no manager at the branch, I accepted 2 cashier 's checks which i deposited in other local banks. I was charged {$35.00} for a wire transfer to XXXX for a service I had been told by 2 other Chase Bank employees was free. Interesting how the error is always in the bank 's favor!!!!! 
In 60 years of banking, this is only my second complaint.. .but both complaints are against Chase Bank XXXX The first was resolved successfully. It also involved inconsistent communications by Chase Bank employees. Sounds like a lack of proper training.. .or is this a similar tactic to some of XXXX XXXX XXXX profit enhancing ideas?
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am having all different kinds of problems with my mortgage loan servicing provider. Please look at complaints # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. 

I suddenly owe - {$2300.00} or something in my escrow account I am not sure why. I believe that I was told that while I was in forbearance that I had to pay {$390.00} and that this was going to be applied to my escrow account to pay for my taxes. I am not 100 % sure on this and I dont have a recording, but I do believe this is what they said. I am not sure why I owe a negative balance in forebearance. I think this is fraud.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXX XXXX  Never had this card or account XXXX XXXX Never had this card or account XXXX XXXX / card Never had this card or account
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to dispute several errors on my TransUnion credit report, illustrated in the attached files. TransUnion has responded with " Verified as Accurate '' on two accounts when the " Date Updated '' and " Date Last Active '' have not changed ; therefore, they have not done any investigation into the accounts and claimed to have verified the information. Additionally, when I challenged them on this matter in my follow-up dispute letter, they claimed that I was using a 3rd party debt repair service, which I mailed the letters myself, and that the 3rd party did not have the correct authorization to work my behalf. I have included a copy of my ID and Social Security card and a recent utility bill to confirm that it is me with each dispute letter I have sent. I feel that TransUnion is using this tactic as a deterrent in my attempts to correct errors on my credit report with them as they benefit from the negative and false information represented on my report.
Consumer complaint received 2019-06-20
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: CITIBANK, N.A. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 my Chase Freedom credit card ending in XXXX was charged twice, one for the amount of {$2500.00} and another for the amount of {$2500.00} both to a bicycle shop named XXXX XXXX XXXX. Chase claims they sent a text, however upon searching for a text from Chase on XX/XX/XXXX, there was none found. However Chase did send an email with the headline Fraud Alert " Confirm you made this purchase '' I pushed the button that says " No, something's wrong '' Soon after, chase cancelled the credit card ending in XXXX and issued me a new credit card ending in XXXX and the charges were reversed. On XX/XX/2024 the two initial fraudulent charges were charged again but this time to my new credit card ending in XXXX. Speaking with Chase 's fraud department, they claim that upon further investigation the charges made on XX/XX/2024 were mine based on the user supplying the correct email address, physical address, and name. They also said that I responded to their fraud alert email 27 minutes after the email was sent out, which in their eyes was too late. Regardless of how long I took to respond, the transaction should not have been allowed until a response was received. I disputed the charges again, however this time, they asked for my IP address and asked me to call XXXX XXXX XXXX to have them send documentation saying that they were aware that the transaction was fraudulent. I sent Chase my IP address and cc 'd chase fraud 's email with Me and the owner of the bicycle shop, where XXXX the owner admitted of knowing the transaction was fraudulent once I called their shop and explained the situation. Upon receiving their requests, they still deem these transactions as valid and that I'm still responsible for the two transactions totaling in {$5100.00}. What is the point of fraud alerts if Chase isn't going to wait for a reply before approving the purchase? I feel that because Chase gets merchant fees from transactions, they allow these transactions to take place. They're basically looking out for their best interest. Had Chase done it's job and disallowed both of the purchases based on my email response, then there would be no problem and their probably wouldn't be a need for a fraud department. Chase should only allow high value purchases once the card owner is validated and he/she authorizes the purchase.