davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (TX)

I have reached out to Equifax, XXXX and XXXX. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. Equifax : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. XXXXXXXX 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 XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : XXXXXXXX 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 ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x
Consumer complaint received 2022-03-08
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. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NJ)

I have been sent to XXXX XXXX  from a dental office that I have never been to nor had any services from. I never even been to that area. I also never received a bill from XXXX XXXX XXXX in XXXX NY. I have never been to that office nor received any services from them. When I asked for a copy of a bill and evidence that I received services, none was provided. I disputed the bill and the collections report on my credit statement with XXXX and XXXX nor Capital Accounts did not verify nor obtain any evidence that I received any services from XXXX XXXX XXXX. I also researched and saw that this company sent other individuals to collection for not receiving services. This is outright fraud and need to be reported as this dental office is selling names of individuals to collection agencies for fictitious collections.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MI)

I SENT TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. IN THE AMOUNT OF {$10000.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

The original loan was issued by XXXX and purchased by XXXX which issued false letters of default to numerous students throughout the United States in an effort to scare students into obtaining a loan at a higher rate to pay off the student loan. When I discovered this illegal practise and proved my case, my loan was somehow sold to XXXX ( a Government entity ). XXXX, to my knowledge, was never prosecuted for its ilegal actions. Numerous payments were made on this loan until I was under financial stress and asked for a deferment. At some point without my knowledge, XXXX became Navient. I had paid at least XXXX diffeent companies claiming to be an arm of XXXX including monthly withdrawals from my bank account. At some point after paying for a year the company unilaterally refused to honor the payment agreement and monthly withdrawals. Where did all of my payments go? 
XXXX refused to speak with me during the last three years. I could not get a representative to speak with me, claiming my account was in the hands of the other arms of XXXX. When unbeknownest to me, XXXX became Navient, I again received notice that I had not paid. ( remember that the arm of XXXX unilaterally stopped taking payments from my account ) Again, where di my payments go? I finally contacted XXXX, which now claims to be another arm of XXXX/Navient. They also refuse to give me a statement of my account payments, claim I owd several thousand more then I borrowed, including, but not limited to, fees added on to my account by said arms of XXXX / Navient. 

Meanwhile, the holder of my loan refuses to speak with me, refuses to give me a statment and history of my account, and refuses to make known where my payements went/ how they were applied, etc. 

This needs to be resolved to my satisfaction. It seems the Us government takes tax payer bailouts of banks which continue to abuse conumers and law abiding citizens, meanwhile, the banks getting away with ilegal activities. 

There are many more documents which are too numerous to scan. I am happy to copy and forward via regular mail upon request. These are just the most recent documents. 

The claim made by Navient is false and needs be remedied to my satisfaction. The failure of XXXX and the numerous arms of XXXX are complicit in their falsification of records, refusal to speak with former loan holders, fail to address the needs of loan holders, fail to speak with loan holders, fail to provide information and statement of account to loan holders, all of which are ilegal actions under the FTC and other organizations and laws protection consumers. 
I will pursue this to the full extent of the law if this is not resolved to my satisfaction. 
Thank you for your time and consideration of this very important and disconcerting matter.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Adjustment Services of Harrisburg, Inc (IN)

Credit Adjustment Services of Harrisburgh INC. dab Cash-Pro INC. has Falsely reported a trade-in on my credit report. They are a third-party Debt collector, who have violated my rights under the FDCPA. They were given my personal information under false pretenses and has now damaged my credit report. I Feel ashamed and personally violated that they would commit such act against me and my reputation. I demand that they delete the trade-in that furnished on my credit report immediately or I will take action to sue them under FDCPA. they are demanding I pay them immediately as if I ever done any type of business with their company.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I purchased a new home in XXXX of XXXX. We put down 10 % and were required to have mortgage insurance. Immediately after purchasing our home, we completed major renovations - over {$100000.00}. When our renovations were complete in XXXX of XXXX we requested our mortgage insurance be removed. We contacted our servicer, Dovenmuehle to start the process to remove our mortgage insurance. They informed us that we needed to pay for a Brokers Price Opinion and we sent in a check for {$100.00} and the BPO was completed on XX/XX/XXXX and determined our value at {$670000.00}, well over the value needed to remove our mortgage insurance. On XX/XX/XXXX we received our first notification that we needed to pay down the principal balance to remove mortgage insurance, regardless of the new appraised value. It also stated that if we wanted to order a BPO because of renovations we could start that process -???. Over the past 9 months I have had several calls and emails with XXXX, our Servicer and our mortgage company XXXX. XXXX will tell us to contact the servicer and the servicer will tell us to contact the mortgage company. Both telling us it's out of their hands. Now they are saying that it looks like the value is good to remove my mortgage insurance, however, since I ordered my own BPO independently they can not use it. I recently had to email a copy of the cancelled check that was sent directly to XXXX to show the BPO was NOT ordered independently, but as directed by XXXX as part of their process. I am very disappointed in the process and run around I have had throughout my quest to remove mortgage insurance. Both the servicer and mortgage company have pushed me off to the other side and then have given various reasons why they can not approve the removal. 

Purchase Price : {$570000.00} Down Payment : {$59000.00} = 90 % LTV New Appraised Value : {$670000.00} Updated Principal Balance : {$490000.00} = 74 % LTV On a side note, I have 27 years of mortgage experience, so I understand the guidelines and requirements for removing mortgage insurance. I have been VERY patient and my patience has now run out. Throughout this entire process XXXX has continued to send me the SAME paperwork repeatedly telling me that I can petition to remove my mortgage insurance by ordering a BPO if I send in a check. If I were a normal consumer without the experience I have, this would have added to my confusion immensely!! 

XXXX has told me I am able to remove my mortgage insurance and I am not sure what the delay is.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

Chase is holding my funds account number XXXX and XXXX, based on what XXXX XXXX XXXX from JP Morgans back office told me that " XXXX XXXX XXXX asked us to put a hold on your funds ''. I asked do you have a chase number, they said " no '' I asked for information and the XXXX XXXX XXXX  XXXX gave me this phone number.XXXX. When I called that number it was in fact XXXX XXXX XXXX 's Fraud check line. When i kept calling chase for a reason they keep bouncing me back and forth with untruths, telling me XXXX XXXX XXXX no longer had it, it was now in Fraud recovery and Loss Prevention. XXXX. When I called this number they told me it was with XXXX XXXX XXXX  again which is Chases Inner Global Securities and Investigations department. Back office again. So here I am getting nothing but disrespect. Treated like I did committed some crime, was under investigation for suspicious dealing or what ever they wanted to assume. I called XXXX XXXX XXXX XXXX MANY times and left recorded messages about the circumstances about my MOTHERS false claim on me, which began this closure of my accounts for {$35000.00}. All of my funds have been cleared since XX/XX/2017. So I am not given any reason, treated like a reprobate dog, not ever asked for me to explain or give evidence into what they are investigating. Chase is NOT OUT ONE PENNY AND I OWE THEM NOTHING!!! 
I realized my mother filed a claim against me 8 months after the fact and since she has had her banking records in a documented visit to B of A to go over all her past months statements and transactions. PLEASE SEE THE AFFIDAVITS I HAVE SENT TO XXXX XXXX XXXXXXXX. 
ALSO NOT XXXX XXXX  XXXX AS TO TODAY IS IN RECEIPT OF DOCUMENTARY EVIDENCE AND AUDIO /VIDEO 'S PRESENTING INDISPUTABLE EVIDENCE THAT MY MOTHER GAVE ME PERMISSION TO DO THESE TRANSACTIONS WHEN SHE WAS CRITICALLY ILL. 
I have sent 3 affidavits to XXXX  XXXX XXXX last week and there is Affidavit # 4 which I am attaching a draft of that will be faxed to Check Digital Frauds Claims department XXXX. They are also in receipt of a dvd with hard evidence that my Mother is not of sound mind now, and in her own voice gave me permission and authorization for the transactions now in question from her filing a false claim against me with XXXX  XXXX XXXX, long after the requirement and her documented knowledge of all these transactions. CHASE BANK HAS NO LEGAL RIGHT TO CONTINUE TO HOLD MY FUNDS AND I am attaching the 4 affidavits to XXXX XXXX XXXX so they can have more insight to the fact and clear up any delusions about wrongful actions on my part and unauthorized activity. I want my funds bank from Chase ASAP
Consumer complaint received 2018-08-06
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (TX)

I purchased jewelry from XXXX  XXXX on XX/XX/17 using the XXXX XXXX Store credit card from XXXX XXXX. I returned this item within the 30 day window had my RMA return number : XXXX issued on XX/XX/XXXX. I received a return confirmation from the XXXX XXXX company on XX/XX/17 that they received my return. I used certified mail to return my shipment to the company and they received it on XX/XX/17 which was prior to my payment being due. However due to a 5-15 business day window that they used to inspect my merchandise upon return, they didnt credit my account back for the merchandise return until after my due date was missed and I was charged a {$39.00} late fee. They fully credited the original merchandise and that showed up on the Next statement but because of their inspection processing window they did not issue the full credit when they received the return they only issue the full credit after my due date was missed and my account incurred a {$39.00} late fee. I have refused to pay this {$39.00} fee and have told them that the merchandise was in fact returned to them in its original condition prior to my bill being due. They will not waive this even though the late fee is representing their internal inspection process and not my failure to pay for or return their merchandise. This {$39.00} has now turned into three months of additional late fees and additional interest charges on those late fees, which I believe is illegal. I feel this is completely unfair and they should have issued a provisional credit to my account once they received the merchandise return on XX/XX/17. I dont think my credit scores should be impacted because of their process. They need to remove the late fee and the late fees on top of late fees and expunge all late payments completely from my record.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted XXXX and Transunion even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, XXXX deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, XXXX adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. Transunion supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.
Consumer complaint received 2015-10-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Navient Has constantly been calling family, friends and work. even after they have been told not to contact due to the fair debt collection act. I told them I can not receive those calls at work and they got an attitude and hung up. They illegally recorded my father after he said not too and asked for his ssi and other info. They also called mother, sister, uncle and other family members that have no business being involved in this matter. They are constantly calling and harrassing. It has become unbearable father tells me they call every other hour. Parents are not cosigners on any loans. The one loan with my sister on the loan is current and they should not be calling her if it does not regard that specific loan. They have been told and to no avail they still do it.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them. 
Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose them. AN Absolutely MADE UP TERM. Was not written anything close to that in my terms!!!! 
They changed terms for new card Applicants in early XX/XX/2018 but that is 45 days after my terms were already in place!!!! 
They are no help on the phone Apologizing for the mistake and saying there is nothing they could do ... ... 
They stole my XXXX sign up bonus points between both accounts!!!!!
Consumer complaint received 2019-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone stole my information and opened several credit cards under my name. I was able to dispute most of them with XXXX and XXXX  and they deleted all of them. 
that person opened and credit card with Capital one Bank account ending : XXXX and its charge off now. 
I would like to have this delete to all my credit report. XXXX and XXXX deleted some off them but haven't contacted XXXX yet to dispute all fraudulent account.
Consumer complaint received 2019-04-20
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. (NY)

EQUIFAX IS REFUSING TO FOLLOW THE LAW WHEN IT COMES TO REMOVING OR BLOCKING UNVERIFIED ACCOUNTS OR ACCOUNTS THAT ARE A DIRECT LINK TO IDENTITY THEFT. THE ACTIONS OF EQUIFAX HAVE SEVERELY TAKEN TOLL ON MY LIFE DUE TO THEIR DIRECT DISREGARD OF THE LAW. XXXX HAS TAKEN STEPS AND IS REPORTING THE ACCOUNT AS FRAUDULENT. I DONT UNDERSTAND WHAT IS GOING ON WITH EQUIFAX.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I do not have a escrow account with my condominium home loan and never did.. 

Over the years, the bank creates an escrow account with false charges such as for fire insurance. Then they pay the false escrow charge from my monthly loan payment and claim that I did not pay my payment, proceeding to ruin my credit. That forces me to make extra loan payments. I have always have made my monthly loan payments plus two that I had paid, cashed by their bank, but never credited to my account. 

I contacted an attorney who said the legal cost to sue would exceed the amount of the two not credited loan payments I made, about {$1700.00}. The attorney said to go to small claims court, but the SC court said that the Bank who has been cheating me does not do business in my home state. 

I have contacted the bank many times and have sent them proof that my HOA pays all required insurance for my loan. I requested a complete record of my payment record but they sent unreadable records which shows that the know that they are cheating me and maybe hundreds of their other customers. Please help, this is the third time I am being cheated. Attached are the current documents. 

.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/XXXX, I attempted to book a flight with Delta on delta.com. Delta runs a credit card promotion with American Express, which advertised that I could receive {$200.00} off my  flight if I applied for the account. I did apply, and was a approved. The {$200.00} credit was not applied to my statement. I called Delta, and they directed me to American Express indicating that they would give me a temporary account number to purchase the flight, and the promotional rate would be applied to the card statement. 

Delta then transferred me to the Amex customer service, where they claimed that since this was a new account that I would not be able to access or close the account until the next business day. This is a clear bait and switch promotion, and is extremely frustrating to deal with.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have had to forbearance my loan and the percent increased so much. I am currently looking into the school I attended. Because I did n't finish but I never received the balance left. And I do n't believe it was reported back to Navient.