davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OR)

Chase bank issued my auto loan for a used car I purchased last fall from the dealer. The issue I've had is that while the loan agreement expressly allows for me to make payments up to 90 days in advance Chase 's setup makes this almost impossible to do. If you submit a payment online and indicate it's a monthly payment the system changes it to a principal only payment without asking or telling me. If you send a check with a letter specifically directing the payment to be made for upcoming month 's payments they still do the same thing if you pay online. Even when I made a payment over the phone with a representative and specifically instructed how to apply the payment they lied by saying it would be applied to a following month and still made it a principal payment. 
The only way to actually get the payment applied correctly is to call back after making the payment and having a representative reverse it out and then reapply. This process takes up to an hour each time and the time period to fix the payment can be up to a week. 
It is clear Chase has this set up to make it difficult to pay ahead and allow them to try and violate the terms of their own loan. I finally just paid it off so I wouldn't have to continue to work with Chase bank but this process that they forced seems very shady.
Consumer complaint received 2021-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. XXXX XXXX BANK OF AMERICA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In  XXXX   XXXX  I was diagnosed with    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . IN anticipation of running afoul of my bills I contacted  Navient  and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of  XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in  XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on  XXXX   XXXX ,  XXXX  now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So  XXXX  different stories.  <P/> IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving   XXXX    daily phone calls from " unavailable '' early  XXXX  and late  XXXX .  Imagine  having to run to the phone with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   while recovering from   XXXX   XXXX   Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from  XXXX  or some country using a dialer and I am not giving you information about me that you can use to hack my identity.  <P/> " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone.  <P/> I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement.  <P/> I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway.  <P/> What can I do.. I am recovery from    XXXX   XXXX   . I have  XXXX  now sent the required paperwork and they are playing games.
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

This is a complaint from XXXX XXXX against Credit Collection Services for Credit Collection Services failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX ( consumer ), received a demand letter from creditor, Credit Collection Services. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 1 month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (PA)

On XX/XX/ I accepted a car deal with XXXX XXXX XXXX XXXX and financial terms thru XXXX application.on XX/XX/ I received a hard inquiry from XXXX for the same loan.I called them to remove it they refused to.I never authorized this to run a loan or credit check
Consumer complaint received 2021-08-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICA FIRST FEDERAL CREDIT UNION (CO)

America First Credit Union ( AFCU ) failed for OVER 11 WEEKS to close my account and remit funds after written notice and after they stated in writing they WOULD close the account and send funds. On XXXX XX/XX/2021 Moved from XXXX  to XXXX, Updated address on account and sent secure email asking to close it. XXXX XXXX AFCU replied, " Thank you for contacting America First! XXXX, We received your account closure notice and will complete that process, which consists of mailing to the address we have on file a cashier 's check made payable you in the amount of your combined funds ... '' On XXXX XXXX Account was STILL not closed. I used secure chat to ask what happened. They said I needed to call by phone. First phone call was disconnected when I asked for agent ( instead of automated access ). Second call required 17 minutes with an agent and supposedly now they will actually close the account.

Request CFPB reiterate top America First Credit Union their obligation to close accounts and remit funds promptly. Request America First Credit Union Formally adjust their poor procedures so that they ACTUALLY close accounts when requested in writing and when they already agreed in writing to do so.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Financial Solutions, LLC (GA)

Stating from XXXX XXXX XXXX, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from XXXX CFR XXXX ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2021 i sent the credit bureau a dispute letter, along with a FTC report concerning an account that was not opened by me. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) This fraudulent account must be removed within 4 business days. I do not owe this alleged debt and they cant provide me a method of verification. The name of the collection account is ( XXXX XXXX XXXX ). I have no consent of this alleged debt, i want this account to be removed from my credit report immediately, thanks.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
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. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : EXPERIAN : XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024 i mailed a dispute to Experian to have them remove inaccurate names and unauthorized inquires from my consumer report, on XX/XX/2024 I got an update stating that the investigation was complete and when i looked only XXXX misspellings of my name were updated and no inquiries were addressed. I sent in another dispute on XX/XX/2024 for the remaining misspellings and the inquires, on XX/XX/2024 I received a notice saying that investigation was complete and when i checked XXXX more misspellings of my name were updated but still no inquires were removed, on XX/XX/2024 I called Experian to have the names updated and the inquires removed, the first representative removed XXXX more misspellings of my name and told me she would have to transfer me to another representative to take care of the inquires, when I spoke to him and told him i disputed twice his response to me was " Experian doesn't have a process to remove inquires and that they legally have to report it ''. As of right now my name is still misspelled and the unauthorized inquires are still on my consumer report.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My account with Citizens Bank was an account they Bought with XXXX. I was very happy with XXXX, Citizens not so much.There website never works, signins do not work with the most popular browsers. We constantly have to call and wait on hold for hours and we are told upgrade our browsers. 

Now on top of this CItizens keeps Charging me services fees. As a 16 year long customer of XXXX I never had fees for statements, or not having direct deposit. CItizens inists on charging me these service charges XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} I want them waived because as an original XXXX customer I never had fees like this. To implement these surprise fees when they bought MY account is bait and switch. they shhould leave the services the way they were. These fees are completely unfair to people on limited income
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX**** ) has  Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (OR)

In response to my complaint # XXXX, Key Bank provided a letter dated XX/XX/2022 stating that, " As a further gesture of goodwill, we will refund additional overdraft charges of {$55.00} to the Account. This refund will be reflected on your next account statement. '' As of XX/XX/2022, I had not received the promised {$55.00} credit, so I contacted my branch manager. He stated that the branch could not address the problem and that I needed to reach out to XXXXXXXX XXXX corporate offices for resolution. I called the representative from Key Bank who wrote their CFPB response, and he stated that if I had not yet received the promised credit he would have it deposited to my account. However, he called back later in the day and stated that because the bank had refunded some fees to my account in XXXX he would not be crediting the additional {$55.00} to my account. I informed him that the letter he wrote in XXXX offered this amount *in addition to* the {$33.00} refunded in XXXX as a resolution to my formal CFPB complaint. I stated that if he was now refusing to honor that resolution, I would be filing a new complaint with CFPB. The XXXX representative stated he would look into the issue, and I requested that he follow up with me when a decision was reached. 

On XX/XX/XXXX, the representative called and stated that he will not provide the {$55.00} " goodwill '' refund as promised. I am therefore filing a new complaint based on Key Bank 's refusal to honor the resolution they provided to my CFPB complaint # XXXX.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Hello, I have a mortgage with Mr. Cooper. I have payments automatically send via XXXX XXXX XXXX bill pay each month. All payments have been sent and received on time as verified by both my bank and Mr Cooper. 
For an unknown reason, my XXXX payment ( received by Mr Cooper XX/XX/XXXX ) was credited as " additional principal '' instead of my regular monthly payment. This then set off a chain reaction of late payments in which I was never notified at all about. I only became aware of this on XX/XX/XXXX when my XXXX XXXX report notified my of my credit dropping from XXXX to XXXX due to late payments from Nationstar Mortgage ( aka Mr Cooper ) I have since called numerous times, mostly never getting through to a human. On XX/XX/XXXX I spoke to a representative that fully agreed with me and said she would " escalate it '' I sent an email XX/XX/XXXX to the research department and received a response ( attached ) that made no sense and did not address the problem at all. I replied to their response asking to please give an answer to why my payment was randomly applied to " additional principal '' and received yet another reply that does not answer the problem ( attached )
Consumer complaint received 2022-03-25
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-25
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.