davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: JPMORGAN CHASE & CO. (AZ)

One of the actions of the 2011 Dodd-Frank legislation was the transfer of HMDA and CRA reporting for JPMorgan Chase Bank , National Association ( JPMCB ) to CFPB. However, I can find on CRA Reports for JPMCB or Chase Bank USA, N. A. since the JPMCB Large Bank Report of XX/XX/2013. ( By the way, this report was done by OCC and used Respondent ID : XXXX, however this was not the respondent ID for this bank at this time, it was XXXX. ) Even more troubling is the fact that I can find no CRA reports from any JPMorgan Chase and Company affiliate, subsidiary, or bank since the fraudulent XX/XX/2013 CRA Report. 
The Community Re-Investment Act ( CRA ) was created by Congress to ensure that large multi-national banks such as JPMCB are serving the needs of economically-disadvantaged inner-city areas and MSAs. It is clear that CFPB is not going to fulfill it's fiduciary responsibilities to ensure that both HMDA and CRA reports are available to consumers, but WHAT Else Is New? 
Attached is more detail information regarding this complaint. 
Thanks for your help. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/2022 I sent a certified letter to this debt collection letter requesting a validation letter and a signed consent releasing my medical information to them. On XX/XX/2022 an itemized bill with treatments was returned without a consent to release medical information to them. This is violating hippa, so on XX/XX/2022 another certified letter was sent requesting removal due to hippa violation.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

1. XXXX refused to update my current address to my valid address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I even sent them a copy of my drivers license with my correct address. 
2. Im sent 3-4 letters asking for proof of validation of such debt to XXXX and they falsely state they validated the debt but, failed to provide any documentation of such debt as I requested! I do not owe such debt to LVNV FUNDING nor XXXX XXXX. Please remove/delete immediately. 
I pasted the information from report and letter sent.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Lvnv Funding Llc Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Lvnv Funding Llc Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$410.00} Current Balance {$410.00} Responsibility Individual Status Collection account Comments Account information disputed b y consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$12000.00} Current Balance {$12000.00} Responsibility Individual Status Collection account Comments Account information disputed b y consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Agency Name Lvnv Funding Date Assigned XX/XX/XXXX Original Balance {$23000.00} Current Balance {$23000.00} Responsibility Individual Status Collection account Comments Account information disputed b
Consumer complaint received 2022-04-04
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: JPMORGAN CHASE & CO. (CA)

I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.
Consumer complaint received 2022-04-04
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: ALLY FINANCIAL INC. (CA)

I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

In 2011 I hired XXXX XXXX as my caregiver followingsurgery. During the next 3 and a half years she systematicallyused all my credit cards and atm card for her benefit. 
Thousands have been stolen. I filed XXXX police reports. Nohelp. Am currently contacting the fraud dept. of all cards used. 
{$1700.00} has been returned. More to come. I had my bank autopay my bills while my XXXX was healing. I trusted her.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

I called numerous times for the last month in a half to have my relia card unlock. My card was locked on XXXX XXXX2020. I called and told them I was in Florida and they were supposed to put a travel exemption in so I can use my card and they didnt. They locked my card. They told me I need to send in a valid iD which I did over 5 times. Then they told me I needed to send in a Pennsylvania ID I did that as well and they still wont unlock my card. Every time I call to see whats going on they get rude with me and hang up. I was told it take 3-5 days to get my fax and its been way over that. I cant pay my bills or get my medicine because they have my card lock and they have all the information they need. I stay on hold for 3-5 hours only for them to keep hanging up on me.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AK)

My husband and I purchased our home located in XXXX, AK for {$230000.00} in XXXX with a {$40000.00} down payment with XXXX XXXX. 
My husband left in XXXX of XXXX. Being a single mother of XXXX children made it impossible to pay the mortgage. XXXX XXXX informs me that they will foreclose on XX/XX/XXXX. 
I filed chapter XXXX bankruptcy in XXXX of XXXX in hopes to keep the house until my children graduated high school. The mortgage was sold to Fay Servicing. 
Fay Servicing modified the loan with promises of making payments affordable on my single parent income. The amount owed on the house at the time was {$240000.00}. The modification rose this balance to {$320000.00}, with no explanation on the {$80000.00} increase. To stay in my home, I made the payments. I have be transferred to 10 account managers in the process, all unable to find documents I had sent many times over. 
My husbands passing, XXXX, gave me the ability to collect social security benefits on my children. This income made it possible to pay the $ XXXX   monthly mortgage payment, otherwise unaffordable. Chapter XXXX was paid in full in the year XXXX. I made payments to Fay Servicing through XX/XX/XXXX. I was unable to afford the {$2100.00} payment each month on a income of {$2000.00} per month. Social Security stopped after my childrens graduation and I was forced to leave the home and live with family. Foreclosure was imminent and I gave up the keys. 
Fay Servicing holds the houses worth at over {$320000.00} not allowing me to sell the home at a reasonable price. This house has been on the market for 7 months without an offer. Fay Servicings service has caused my otherwise very strong credit scores to suffer, making me ineligible to finance a residence for myself. 

Fay Servicing only shows up on one of my three credit scores and there is no reasonable cause for my loan modification to increase by XXXX with the money I had already put towards the home. At the time, though suspicious, it seemed this was the only way to stay in my home. 

I would like to know why there was an {$80000.00} increase, my home to be sold at a reasonable rate, and most importantly my credit score to be edited to reflect Fay ServicingXXXX errors, allowing me to purchase a home.
Consumer complaint received 2022-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union, refused to comply with my choices in regard out line in the deeds in foreclosure back to the mortgage company whereas, I were granted, furthermore, as outlined I choose to bi-pass bankruptcy and will be cover and protected from it penalize ... and those reoccurring calls of harassment, etc.will avoid me from wrong judgment. I'm divorce never want to get married again, independent, and self living along as the retiree of federal government worker in medical wise conditions on the job related issues, etc, citizens class of senor in area of criminalized, surrounding and outwardly area in the state of TexasXXXX XXXX additional , the all damages done were hindsight behind my back with no cooperation to gathers information for conviction i.e.persons involved what will surely refer as haters crimes, and wrongful patrices over become successful single... XXXX male..whom been XXXX for many, many years and counting .....
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is for a coop sale of an apartment in XXXX, NY. My attorney requested the stock and lease from Bank of America, my mortgage lender, on XX/XX/XXXX. It is XXXX XXXX and the Bank has submitted an incomplete file. My phone calls get cut off ( one on XX/XX/XXXX after holding for 1hr48min! ). We need  either the stock and lease or an affidavit for lost stock and lease. I originally got the mortgage from Countrywide in XXXX, so in selling the mortgage to Bank of America the stock and lease were apparently lost. 

Attachments to this complaint document the complaint I filed with the New York State Department of Financial Services.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After online activation of a new bank issued ATM card in the state of XXXX, my online checking account was hacked and an unknown person transferred funds from another linked checking account, on the same date, merchant purchases were made and ATM withdrawals were made in excess of my daily limit in the state of XXXX. I immediately notified the Bank of America. A hold was place on the account. After a review, Bank of America denied the online claim, withdrew the credit for the purchases and ATM withdrawal, but could not provide backup evidence to support the denial. A police report in my home city was submitted attesting to the fact that I did not authorize any of the transactions nor did I travel to XXXX. After requesting Bank of America 's documentation to support the denial, I was told there was no documentation only an opinion that the transaction were authorized because the online access was hacked when activation of the new ATM card occurred. Bank of America also withdrew funds from the new checking account opened with them to cover the funds used to make the unauthorized purchases and ATM withdrawals.
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority (MA)

I was an XXXX  member from XX/XX/XXXX to XX/XX/XXXX during that time my student loan company was supposed to pay the interest that accrued on my loans for a total of {$330.00}. They had changed their address without alerting me so my initial payment request was denied and I had to submit a new one with their new address. At that point I had made a payment on the loans and my balance greatly decreased so they recalculated the interest based on my current balance and only paid me {$100.00}. However the agreement was to pay the balance that accrued during my term of service which was {$330.00}, so they still owe me {$230.00} which they are refusing to pay.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (NY)

In reviewing my credit report from Equifax, I found unauthorized inquiries. I made numerous attempts to resolve this matter via your automated service, however I had no success by phone. 

The following inquiries are unauthorized : 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 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

They are saying that money is owed to which I have no knowledge of. I have not been provided any proof of signature or identification that this account belongs to me. It is on my credit report which needs to be deleted. The amount stated I owe is {$75.00}.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Early Warning Services RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( XXXX, or Early Warning ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I contacted Navient in late XXXX as I was having financial difficulties. The rep I spoke to was in the XXXX and was not fluent in XXXX. She took info from me and told me to complete forms at student.gov website. I did this and I received no help. I called several other times but was put through to reps which did not understand XXXX. I received an email from Navient on XX/XX/XXXX and called. The rep XXXX said I needed to pay {$50.00} for an expedited forbearance but told me it may not be approved. I feel Navient had not been fair to me or helped me through these difficult times.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Navient systematically misallocates my funds. I owe {$24000.00} and my balance never changes. I keep making payments of {$500.00} - {$560.00} a month ; but my balance remains the same. 
I asked Navient multiple times to send me detailed repayment history of my loan and the way funds have been applied to my balance each month. Navient systematically refuses to provide such information as the people answering calls always say something different. 
I believe that if I do not find a way to get Navient to send me the formal loan repayment history I will be in repayment all my life. 
How can I get help and some sort of relief from Navient?
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

I closed on a home in FL in XX/XX/2019. That mortgage company sold my mortgage to AmeriHome ( account # XXXX ). I was notified after the fact. AmeriHome is refusing to discuss any aspect of my loan with me unless I verify six points of contact information that they already have on record, every time I call. Per a mandatory disclosure recording playing on the hold line, they want to update this information so they can collect a debts should a customer default sometime in the future. I am not late on any payment, nor have I ever been late on any payment. Both agents I reached by phone the week of XXXX XX/XX/2019 refused to discuss my loan with me despite having sufficient identifying information ( name, loan number, social security number ) unless I provided their debt collection information. They refused to transfer me to a supervisor. They refused to provide any identifying information that could be used to report them. Both agents lied to me on the phone, claiming they needed the Debt Collection Act information " for my safety, to verify my identity. '' This should be illegal. There are hundreds of complaints against this company. I don't understand why they are allowed to continue to operate in this manner. Meanwhile, the homeowners insurance company has sent a second notice that AmeriHome has not paid the additional fee for including the previously excluded roof under my homeowners policy. I wrote to AmeriHome on XXXX XX/XX/2019 about this issue and received no response.