davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Consumer complaint narrative I pulled my Experian credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PR)

After my conversation with the service of the company, they inform that they changed the card, and it will be sent since XX/XX/2024, but at this moment it hasn't arrived. I was out of my country and couldn't used it.
Consumer complaint received 2018-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

My loans have been transferred from XXXX to Navient in XX/XX/XXXX. My XXXX loans were on autopay at the time and apparently that go transferred over ( without Navient telling me - which was one of the issues, their website does not properly tell you if you are on autopay or not ). 

Right from the get go, there are massive issues. I was not officially warned that I moved to Navient until I checked my account on XXXX and my accounts were gone. And I did not get any of the documentation from Navient until well after the first payment was due. It was sheer luck that I saw this and quickly made a navient account to make a payment on the loan. 

Which leads to the next issue, I made a payment to Navient for XXXX dollars on XX/XX/XXXX.  Navient then disperses the amount into different accounts, instead of the loan that was specified. I read up and Navient has had a history of doing this. I called them up and told them about the issue and thankfully, they corrected the issue. 

The next issue is their website. I was ahead on payments apparently and because of this, they deceptively remove the autopay icon from the account, even though I was on autopay. As a result, I ended up paying XXXX dollars on another account twice. I called Navient again and they tried to say that it was the issue with XXXX and that it was normal to remove the autopay icon when I am ahead in payments, even though I am still in autopay. I find that incredibly deceptive. Worse, the refund, if I wanted to take it, would take 10 business days, which would have been pointless as I would have to make the payment again not long after. 

Which leads me today, Navient took money from my account on XX/XX/XXXX for {$150.00} towards my big loan account ( I have three accounts, all three have had major issues with Navient ). I checked my account and AGAIN they dispersed the amount in different accounts instead of the one, making my loan late in payment. I will be calling them again on Monday to settle this and I will be removing all payments on autopay as they are incompetent in dealing with money. 

Based on the lawsuit that was brought to them last year and seeing first hand how much they have been XXXX me, I am going to have to keep a super close eye on Navient and their incredibly shady business practices. If they keep doing this, I will be consulting my lawyer to see if I can pursue any action against them.
Consumer complaint received 2023-04-07
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-07
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/19 a company did a hard inquiry on my credit that I did not know about. I called Synchrony Bank in late XXXX, or early XXXX, asking them to remove the unsolicited inquiry. They told me they're not part of Paypal 'yet ' so they claim they did not do the hard inquiry even though both of their names are on this inquiry. I can not get through to Paypal to see if they can remove the inquiry or to explain what it is. Some credit reports show Syncb/ppc & others show Paypal via Syncbpaypa. The address is XXXX. XXXX XXXX - XXXX, MD XXXX @ XXXX.
Consumer complaint received 2021-12-07
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. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

We purchased our home in XX/XX/XXXX. Since this time our mortgage has been sold three times ( and is apparently scheduled to be sold again at the beginning of the upcoming year ). The third time, XX/XX/XXXX, was to the current mortgage holder, The Money Source ( TMS ). We received an 'Escrow Account Disclosure Statement ' dated XX/XX/XXXX stating that we had an escrow shortage and would have to pay an additional {$6700.00}. The options for paying this deficiency was to either pay the total in full or to increase our monthly mortgage by {$640.00} each month for the next 12 months starting XX/XX/XXXX. We reviewed an 'Escrow Account History ' included in the statement but could not understand where TMS got it's information regarding the deficiency. Nevertheless, we paid the additional {$640.00} for XXXX and XXXX to avoid any discrepancies on our end until this matter could be resolved. We have called TMS an innumerous amount of times trying to gain clarity and understanding of this issue. We have spoken with at least one supervisor who promised us she could get us a re-analysis of the escrow and get the 'Loan Boarding Department ' to correct the account numbers, as they are wrong ( according to her ). We did identify to TMS that our initial balance was not itemized in the 'actual escrow running balance ' and therefore caused a false negative starting balance. We also pointed out that our monthly payments were 'lumped together ' instead of being shown as paid, on-time each month. We further discovered and pointed out that out homeowners insurance was removed twice this year ( TMS said that was an error and needed to be corrected ). They have hung the phone up/disconnected our calls and made promises about follow-up calls that have not been followed through with.
Consumer complaint received 2023-04-07
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson capital sent me a notice of a XXXX phone bill XXXX. I never had XXXX phone. I requested validation of the debt. Jefferson capital only sent me a statement showing the balance. Not the original contract with phone company XXXX XXXX.
Consumer complaint received 2024-02-06
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$1400.00} ; US DEPT ED XXXX {$7600.00} ; US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$1600.00} XXXX US DEPT ED XXXX {$4200.00} ; US DEPT ED XXXX {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$22000.00}.
Consumer complaint received 2021-12-07
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. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX my credit report ( see attached ) there is an incorrect address on my Equifax profile listed as follows : Wrong Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX -This item must be deleted
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (KY)

they lied to me and now have charged me over {$400.00} ( XXXX ) in fees to have this account ( they harrassed me to set up to pay my mortgage ) when i was assured that I would never pay a fee because i have a mortgage, savings, etc. Chase has used covid to excessively charge fees, this bank has severe moral issues, should be broken up for gouging customers like this!
Consumer complaint received 2018-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XX/XX/2018, I made a Principal payment to the loan. This was after the auto-paid monthly payment was processed. PENNYMAC took out a second interest and escrow payment. I called, emailed and send a letter to the PM offices. It took some time but it was fixed and confirmed, finally, after the next months regular payment. 

T ensure PM could not misunderstand my intentions I sent a USPS Priority Mail envelope with two checks and a very specific letter inside with details on applying payments to Principal and what the final Principal amount would be after payment was applied. 

They did it again, diverted Principal payment to interest and escrow. I can't tell if this is incompetence or corruption but I need this fixed and the funds applied as intended. Banking reform and consumer protection doesn't seem to stop these folks from trying to nickel and dime folks. I have all the documents and will attach them if that is included with this submission page.
Consumer complaint received 2018-04-15
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. (IL)

Equifax 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letters have been sent requesting they be removed. I did not authorize them and the ones listed below do not belong to me.

XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (FL)

I want to file a complaint against Cross Country Mortgage, which is denying my right to have specific reasons in writing why my mortgage application was rejected, including the information that the underwriter did not consider my second source of income, which made me ineligible for the amount that I applied for it. 
Cross Country Mortgage asked the sellers for an extension date on my current Purchasing Contract until XX/XX/2020. However, the mortgage company did not have my file ready on that day. 
The same office requested me to pay off {$7800.00} in debts on XX/XX/2020, only five ( 5 ) days before the closing date as a condition to be approved. However, when I informed Mr. XXXX XXXX that I did not have the resources to pay that debt, he informed me that there was no anything else to do regarding my case. I sent an email requesting to Cross Country Mortgage the document stating that my loan would not be approved because the underwriter did not consider my second source of income, which directly affected my debt-to-income ratio. 
In response to an email sent to Cross Country Mortgage on XX/XX/XXXX requesting my document Mr. XXXX XXXX, Non- Originating Branch Manager responded that the company " is in the business to close loans not deny them ''. 

I believe that any company is in the business to approve deals and have profit, however in this case if my application can not be approved it is my right to have a letter stating the reasons. 
According to the information received from the Mortgage Lender the reason was that the underwriter did not accept my second income, and that should be included in the " Denial Letter ''. 
I was extremely diligent working with this company proving documents, pay stubs, letters, replying to emails, and doing everything to meet the contract dispositions and the deadline. As a consumer, I can not be penalized for losing my escrow money, since my Purchasing Contract is contingent on the approval of this loan. 
On XX/XX/XXXX Cross Country Mortgage documents such as all my assets to close " the deal '' and proof that I paid the debits they requested. They knew I would make a complaint to the appropriate agencies, so they are trying to " cover-up '' things that have been done wrong. Seems to me that they did not read all my emails saying that I don't have the resources to pay those debts in full right now, which again was a complete change made by Cross Country Mortgage on its criteria since they pre-approved me. 
I am under the impression that this company is not acting in a good faith doing business and this is unacceptable.
Consumer complaint received 2018-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.Q. DATA INTERNATIONAL, INC. (AR)

I.Q DATA INTERNATIONAL dba : XXXX XXXX XXXX, VIOLATED STATE OF ARKANSAS CONSUMER LAWS. ATTACHED PLEASE FIND LAWSUIT BEING SERVE TO YOUR FIRM VIA CFPB PORTAL. SEE YOU IN COURT.
Consumer complaint received 2022-10-18
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. (NY)

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT XXXX, XXXX, AND EXPERIAN HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Dates : XX/XX/2017 re : fraudulent deposit from identity theft. 

XXXX XXXX acct : Bank of America one : joint account with husband ( no longer together ) One checking account ( my own ). 
This is hurting my future and opening a bank account and my credit.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection. After filing the claim, I received an email on XX/XX/2021 that my claim has been moved to adjudication and I should wait for 5 days. I waited for 5 days but did not hear anything back. I then contacted Card benefits service customer care to check the status but I was simply asked to wait. 
On XX/XX/2021, I was told that due to the high claim amount, they need 8-10 additional days to process my claim. I waited and contacted them back on XX/XX/2021 but I didnt get any definite answer. I then requested to be connected to a supervisor and I was connected with XXXX ( supervisor ). XXXX said that he is sending an email to his leadership for an update and would get back to me in 1 business day. But I did not get any update. I have called chase card benefit service several times but no one is ready to give me a timeline on when would my claim be processed and paid. As per my benefits guide, I should hear back from then in 5 business days after I file a claim, but it has been over a month that I have been following up with them.
Consumer complaint received 2018-10-14
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. (CA)

XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my EXPERIAN AND XXXX credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.