davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/XXXX RECEIVED TEXT FROM CHASE BANK ASKING IF I AUTHORIZED A XXXX TRANSFER IN AMT OF {$5000.00}, I REPLIED NO, GOT A CALL FROM WHO I THOUGHT WAS CHASE REP. WHO MADE ME TRANSFER {$5000.00} TO ANOTHER ACCOUNT TO REVERSE A XXXX TRANSFER FROM A WALMART THAT WAS COMING OUT AT XXXX, I DID... I HAD TO CHANGE MY NAME TO XXXX XXXX ( AS YOU SEE BEFORE I WAS XXXX ) AND THEY MADE THEIR SUPERVISOR AUTHORIZED USER. ( SEE SCREENSHOT ) - CALL RECORDED BUT WON'T UPLOAD XX/XX/XXXX CALLED AGAIN AT XXXX AND SAID THE REVRSAL UNSUCCESSFUL AND TO TRANSFER ANOTHER {$5000.00} ( HAVE A CALL RECORDG ) XXXX XXXX MONDAY ACCT WAS XXXX AND ANOTHER COUNT ALMOST GONE, CALLED CHASE XXXX XXXX AND THEY HAD ME TRANSFER {$5000.00} AGAIN ( CALL RECORDED ), THEY TRIED A XXXX TIME BUT IT WAS DENIED BY BANK- SEE SCREENSHOT, LEFT ME FOR BROKE AND THEY HUNG UP FRAUD INVESTIGATED FOR 10 DAYS AND SAID THAT I WAS SCAMMED AND IT WASN'T THEIR FAULT. WELL IT IS NOT MY FAULT THEY WERE CALLING AND INTERCEPTING CHASE PHONE CALLS. IM AT OUT {$15000.00}. LOCAL BRANCH COULD NOT HELP. 

MY NAME CHANGED FROM XXXX TO XXXX XXXX... THEY MADE ME DO IT. 
WHY WOULD I XXXX  MYSELF MONEY? 
ON MONEY, I JUST WENT INTO MY CALL LOGS AND CALLED THE NUMBER THAT CALLED ME INITIALLY ON XX/XX/XXXX IT IS CHASE BANK AND THESE MEN ARE ANSWERING PHONE. THEY MIGHT WORK THERE!! 

CHASE WILL NOT LISTEN TO MY CALL RECORDINGS THIS LINK IS AN ARTICLE THAT DESCRIBES EXACTLY WHAT HAPPENED TO ME TO A LADY IN LA. WHERE CHASE SCAMMED HER AND GAVE HER THE RUNAROUND. 
https : XXXX another article is EXACTLY what happen to me https : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX EVERYTIME THEY CALLED FROM THE SAME CHASE PHONE NUMBER AND IN FACT THE LAST TIME I CALLED ON XX/XX/XXXX AFTER SITTING ON HOLD WITH THEM FOR AN HOUR, CALL HUNG UP AND THEY CALLED ME. I BELIEVE THEY HAVE ACCESS TO MY INFORMATION. 

DATA AND SECURITY BREACH FROM CHASE AND SCAM, THEY NEED TO RE-IMBURSE ME I HAVE CALLS RECORDED THAT WERE MADE THAT COULD BE EXTREMELY PERTINENT IN PROVING THIS IS A SCAM THE POLICE REPORT THAT I MAKE IS NOT YET READY.
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

We applied for PSLF, student loan forgiveness, last year and were told we had the wrong type of loan. We were told that a consolidated direct loan would work, so in XX/XX/2018 we did that. Now, after spending way too much frustrating time teying to arrange PSLF, we are told it wont work for us. I feel very misled.
Consumer complaint received 2018-04-12
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: Insikt, Inc. (CA)

I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the fair credit reporting act XXXX  accounts has violated my rights 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ME)

My loan was transferred to Shellpoint as of XX/XX/19. The payment I made on XX/XX/19 to my old servicer has not posted on Shellpoint 's account. I have confirmed with my old servicer that they have received the payment and transfered it to Shellpoint on XX/XX/19. I have also sent Shellpoint several items proving that I made the XX/XX/19 payment, but they refuse to post the payment until they complete all of their research, which they say can take up to 60 days. In the meantime, they will not allow me to make my next payment ( XX/XX/19 ) and are showing my account as past due ( the first contact I ever received from the company after taking over my account was a collections call ). I was told that I can make another XXXX payment if I want and they will credit it when they finally update my account - which is a ridiculous ask.
Consumer complaint received 2021-02-03
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. (TX)

I sent a letter in onXX/XX/XXXX and didn't get a response, i sent in another lettere onXX/XX/XXXX and still nothing. its not been over 30 days and i demand removal of the negative items that are defamation of my character
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

A student loan was taken out in XXXX of XXXX for an XXXX add on degree. 
-Graduated in summer XXXX -went back to school in Spring XXXX -graduated in XX/XX/XXXX The total amount borrowed was {$34000.00} According to my records/bank statements and payment history, we have paid {$64000.00} towards the loan. {$17000.00} was forgiven with teacher loan forgiveness program. Payments have been made on the original loans more then 10 years. {$6800.00} is still owed. Loan has been with 3-4 different loan companies XX/XX/XXXX-first call with concerns XX/XX/XXXX-requested an ombudsman which was not very helpful. He was able to show that a {$6000.00} payment that was supposed to be credited was charged interest for over 10 years. Every time they sent a bill we paid it. Beginning in XXXX it was automatically drafted. We would get notified when the amounts changed but were still automatically drafted. XX/XX/XXXX submitted a review-was not notified of results Every time we submitted something it would be review. Takes anywhere between 90 days -2 years. 
Submitted loan forgiveness application XX/XX/XXXX, They said we only had 27 payments on loans that were taken out in XXXX-if that were the case we would have been in collections. Resubmitted for review. Resubmitted application in XX/XX/XXXX. XX/XX/XXXX was denied because they said they needed more info. When talking to XXXX # XXXX she could see all the info they said they were missing so she resubmitted it. 
XX/XX/XXXX was told to submit another application to look at loan payments. 
XX/XX/XXXX said the loan showed interest was added because it was not paid off in 10 years. 
XX/XX/XXXX, XXXX-heard from PSLF person. Payments were still wrong. I started going date by date. He had missing dates. I was told to upload bank statements from XXXX which i did. Requested payment history again. Payment history showed that payments I submitted bank statements for. 
XX/XX/XXXX, XXXX-called to get update to see if payments were applied. I was told it was still in review and there was not a time line. It could take up to 2 years. 
I have the records for all the payments. This loan should be paid off by now. One of the loan companies XXXX has had cases brought against them for not applying loan payments. This is ridiculous that these reviews take this long.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (GA)

American Credit Acceptance ... ..For the last 3 months the account payment status has been reported every 30 days. The status is supposed to be reported each 30 days on the XXXX of the month. I have had to make repeated calls and request to report accurately and each 30 days. Example today is XX/XX/XXXX and the last reporting was supposed to be XX/XX/XXXX however the last reporting was XX/XX/XXXX. It was supposed to be XX/XX/XXXX. It is now XX/XX/XXXX and last months payment status has still not been reported. They state they reported status XX/XX/XXXX and credit bureaus take up to 10 days to update. This is not true. The credit bureaus do not delay reporting status.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I CAN NOT get into my XXXX account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!
Consumer complaint received 2018-07-31
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. (SC)

there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and XXXX   never to remove it.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : AXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Regarding the check XXXX XXXX  XXXX for $ XXXX is details of the fraud. 

XX/XX/XXXX XXXX negotiated a check deducted from my account XX/XX/XXXX check deposited into XXXX account XX/XX/XXXX XXXX XXXX Citizens bank called to advise someone was trying to cash the check and had deposited it in their account via ATM. She had stopped the check from being cashed. 
XX/XX/XXXX Stopped into XXXX XXXX XXXXXXXX XXXX. advised the situation and was told since the check was negotiated once it can not be presented again.. 
XX/XX/XXXX XXXX XXXX appeared on my XXXX account. I was advised by XXXX XXXX XXXX branch  that XXXX  had sent the memo to them XX/XX/XXXX Police Report filed advising the check was stolen from my car.And the person tried to get it cashed. Police report # XXXX XX/XX/XXXX Reached out to XXXX  fraud dept, spoke to XXXX XXXX, he advised he only handles {$5000.00} min. He advised me to close all my accounts with XXXX  and reopen new ones. Which I did. 
XX/XX/XXXX Affidavit signed with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Reached out to XXXXXXXX XXXX Fraud dept - we spoke many times to figure out what had happened. I believe the check since it was a mobile deposit on my end and was made out to cash it was stolen from my car. XXXX filed a fraud with Citizen Bank on XX/XX/XXXX - Advising them the check can not be cashed and it has fraud marked on it. Citizens holds the fraud for 90 days and the issued should be solved by XX/XX/XXXX, which is when I should have my {$3000.00} XX/XX/XXXX Speaking to XXXX XXXX XXXX Citizens she advised the person who stole the check and committed fraud had closed the account and Citizens sent him a check for {$3000.00}. Everyone is questioning how this happened knowing the history of this case. Citizens put a stop payment on their end on this check. 
The check has not been cashed the person who stole the check is in XXXX  My XXXX Has been with Citizen Bank over 90 days I do not have an account with Citizens only XXXX XXXX has reached out to Citizen fraud dept or XXXX XXXX XXXX Citizen to find out the status. I do not have an account with Citizens only with XXXX  which leaves me in a difficult situation In short I would like to have my money back into my new XXXX  account. 
Please advise if you can help me or who I should speak to. 
Much appreciated. 
XXXX XXXX
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TN)

Rocket mortgage closed my loan and my son 's loan on XX/XX/2021 ... .i did ask their loan servicer - who works for rocket mortgage- to remove escrow from my loan before closing, now after i paid my first mortgage, i found out that escrow is being added to the mortgage and not removed as agreed. i called rocket mortgage escalation team and they rudely informed me that this is their policy. i spent hours going through my loan and closing documents and nothing i signed shows that i have to keep the loan for 1 year before closing. i requested clarity from rocket mortgage and no one was able to give me an answer.
Consumer complaint received 2020-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX  XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2021-12-06
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. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have sent them several letters asking them to validate this alleged debt they say I owe XXXX XXXX XXXX XXXX. They have not validated this debt, the amount they alleged I owe them nor how they arrived at that amount. Portfolio Recovery Associates have ignored my request that they " desist and desist '' collection activities as required by law until they validate this alleged debt.
Consumer complaint received 2018-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

Coinbase withdrew over {$3900.00} worth of ETH ( a cryptocurrency ) from my account in XX/XX/XXXX. They claimed that I made the purchase from funds they never received from my bank.This is not true. I had cancelled the transaction from the bank. The funds were never deposited and I did not make the purchase. 

One month later they removed the funds from my account and disabled me from using the platform. For 3 months I have been mailing and calling. At first I was getting replies from a lady called 'XXXX ' after a while she stopped replying and I just got automated replies. Now even those have stopped. When I call in they refuse to help saying I have to do it through emails. I am completely frustrated. 

This is a lot of money for me, more then a paycheck. It has caused me tremendous stress and affecting my health as well now.
Consumer complaint received 2021-12-06
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: Experian Information Solutions Inc. (TX)

Experian refuses to remove an inaccurate account that they are reporting on my credit report. XXXX and XXXX are not reporting this as an account on my report, so I am not sure where Experian is getting this information. I have already contacted Experian in regard to identity theft. Experian has not sent any relevant or supporting documentation with my name or signature on any contract with this company. Please have this company looked into for reporting negative items on consumer reports. The account that should be removed from my credit report is ACCOUNT # XXXX XXXX XXXX XXXX {$910.00}. I will be seeking {$1000.00} per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-12-06
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. (MI)

I filed for bankruptcy in 2017 and it has been discharged. Experian is reporting this bankruptcy on my credit report, as well as accounts that were listed in my file. I didn't give them permission to report my private business.
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting Inquires XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2021-12-27
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: GOLDMAN SACHS BANK USA (CA)

My XXXX  who lived with me before be passed away used my phone to open up XXXX apple credit card accounts. They were both paid off and closed and I called apple to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

Experian is purposely lowering my credit score. On XX/XX/2021, my credit score was XXXX. Today, XX/XX/2021, my credit score is XXXX. There are no changes negatively on my credit report to justify my XXXX XXXX lowering by XXXX XXXX. I actually had positive changes that should of increased my credit score. My current XXXX score is XXXX. 

The gross disparities against XXXX Americans is centered around how the three credit reporting agencies conduct their credit modeling. There need to be immediate changes to what is reported and how. For example, there is no reason Americans are penalized based on inquiries and having those inquiries stay on a report for 2 years. 

What I saw today when I checked my credit score with Experian revealed to me the ponzi scheme that our federal government is allowing. This is doing a great disservice to the undeserved communities. Preventing good jobs, homeownerships, a stable and prosperous lifestyle for ALL, not just the selected.