davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

I am emailing you all in regards to a matter that has gone unresolved dating as far back to XXXX. In that year of XXXX there was a incident of a check that I deposited for a relative that had returned after processing. This incident took place at the very same time as the XXXX of my XXXX and my battle with my health which had taken a a downward spiral. My family and I were deep in grief, disbelief and hurt as we sought to lay my XXXX to rest, seek justice for him, and find peace. I deposited the check unknowingly that it was a any issue as I am was just being family to a a family member. You all notified and made me aware of the matter. I was in no headspace to pursue the matter of claim against this relative because of what my family and I were already faced with. So I paid the amount that was made to cash, the penalties and all monies owed in the excess of the returned/insufficient check. I did not bother with dispute or refuting, thinking that I can not handle going through that arbitration, deal with trying to hurry my nephew, as well as my diagnosis of XXXX XXXX I was just in no shape to begin to just have more to deal with outside what I was struggling with at the time. Unbeknownst to me this will cause my account to be restricted and lead to me not being able to have a live active checking account with you all. Aside from that although I have the restriction and closed checking account I still have my savings with this financial institution which is baffling, disheartening, in short overall unjust that even with the savings I can not fully access the complete experience of banking with your financial institution as I had in the past prior to the incident. If that were not enough you all issued a credit card to me in which I am prohibited from using. I received the card and then a letter stating that I can not use the account as aforementioned due to a restriction. This same account and card that I am not able to use however, was used fraudulently by someone else. So now here we are with no resolve in the matter of me not being able to have a checking account, but I have an active savings account as well as having a credit card that I am not allowed to use, but it has been fraudulently used. In no way does this makes any logical sense. So I ask that you handle this matter will great intent, diligence, respect and regard to have me treated fairly as a customer/ banking member. All I ask is for this to be cleared, grant me access to the credit card and to a checking account. 
My access # XXXX and credit account XXXX .....
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (UT)

I have contact Edfinancial Services after learning about Biden 's Student Relief Act taking place. I wanted to take full advantage of the program so I requested a refund on all amounts I paid on my student loans to Edfinancial. I called the company in XXXX and they confirmed that I would get a refund of {$3100.00}, but it would take 150 days and it will be deposited via ACH. I was then told that once I get the refund, it will reflect on my account and I could apply for debt relief. As more information about the debt relief act came out, I started to learn that the 150-day mark is not sufficient for the timeframe of when I can apply for the relief. It goes MONTHS after. 

I have contacted Edfinancial Services again and have not heard back. I keep calling until I get someone to handle my case appropriately. This timeline is not okay to give refunds when they know the application is done this month!
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (MN)

This is a second complaint in reference to CFPB COMPLAINT ID XXXX, in which XXXX XXXX from U.S. Bank responded to this complaint on XXXX XXXX, XXXX. XXXX did not address the crux of the issue, and that is that U.S. Bank knowingly and deliberately failed to follow applicable consumer and fair lending practices laws when investigating my complaint to them in XX/XX/XXXX. I was not once contacted by the appropriate department at U.S. Bank when I made complaints of discriminatory lending practices for my Simple Loan applications to U.S. Bank. XXXX XXXX 's investigation took much longer than 30 days, and at no point was there any communication as required by law, whatsoever, to notify me of the status of the investigation or that the investigation would take longer than required by law. XXXX XXXX 's response on XXXX XXXX does nothing more than vaguely apologize for the delay in investigating my complaints -- a delay that was unlawful, according to Fair Credit Reporting Act and other consumer laws that require U.S. Bank to have contacted me both about their investigation and their large delays in their investigation, which were far greater than 30 days. I would like U.S. Bank to hold XXXX XXXX accountable for her deliberately not following internal and external policies as they related to investigating my complaint and the intentional delays in their investigation, none of which were communicated to me. If U.S. Bank did not act lawfully, then I request that they be held legally liable. If XXXX XXXX did not act according to U.S. Bank policies and procedures, then XXXX needs to be held fully accountable for her failure to act. Finally, U.S. Bank still does not address that, despite XXXX years of my complaints concerning the denials I received for their Simple Loan product, it took me making a legitimate complaint of discrimination to understand what " poor deposit history and credit performance with U.S. Bank '' actually meant. U.S. Bank is willfully neglecting to acknowledge that they allowed these vague, non-specific denial reasons to be sent to me, and not once were they investigated to provide a specific, detailed reason of what the denials meant -- until I made a legitimate complaint that I believed they had discriminated against me in the lending process. I would not have continued to apply for the Simple Loans had U.S. Bank 's denials clearly and sufficiently explained what " poor deposit and credit history meant. ''
Consumer complaint received 2023-04-14
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete these immediately 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 2022-02-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and I have some fraudulent information on my credit report that do not belong to me. I do not recognize them, nor did I authorize them, Can you please delete and block the following fraudulentinformation from my credit report. 
*See Attached*
Consumer complaint received 2018-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (GA)

I have a statement from Wells Fargo indicating I had a payment due by XX/XX/18 in the amount of XXXX and my account balance was {$12000.00}. I went into a branch in XXXX, GA on XX/XX/18 and was quoted a loan payoff amount of XXXX. I went to the XXXX, GA branch on XX/XX/18 to pay off account and was told I had to pay XXXX. This is an extra {$73.00} over and above what I was quoted. To me this is predatory since that is more than the amount I pay monthly to principle. I am reporting this to everyone I can about how business is conducted here. My loan has been paid in full.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I had three automatic payments come out of my account on Friday XX/XX/XXXX totaling {$79.00} causing my account to account to go - {$16.00}. With Wells Fargo if I put money in my account before XXXX XXXX the next day I wont be charged an overdraft fee. I deposited {$35.00} into my account before before XXXX XXXX on Saturday XX/XX/XXXX and then deposited another {$20.00} later that day only to check my account Monday morning and I see that I was still charged a fee which made my account - {$32.00}. I tried calling my bank to get the fees waived but because this is not the first time this has happened to me they would not waive them. I look at my account this morning to see that I was charged three more overdraft fees for purchases I had made that same Saturday when I had the funds in my account to do so causing my account to now be - {$130.00}. I have money coming into my account tomorrow but I will only have {$52.00} of that to last me until next week.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018, I am trying to place a security free on my credit file with Experian. I have try it online multiple time and by phone. I was told to send all my information by mail with copies of my driver 's license and bank statement or other document to prove my identity along with a copy of police report. Their website did not offer online identity verification like other credit beau or denied my request before my identification can be verify online. Why a company allowed to collect and store my information without my consent, without allowing me to opt out of their service, deny my request to put a free on my file, and asking me to provide copies of my driver 's license and other document by mail. Don't they have enough information of us? Now they wanted a hard copy of everything by mail. I don't want to be in their Data Base. Please have company remove all my information off their service if they can not allow me to put a security free online. if they want physical verification please have a physical location where I can visit and prove of identity.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did a purchase through Capital one visa card which I have for more than 15 years, it was online order which turned out to be a fraud site that I purchased from, as I did the research and turned out that the merchant doing this systematically with many customers before, I called Capital one fraud dep. numerous time and I provided them with all documentation they asked me plus a copies of the emails i had with the merchant who did not start hear from him till I report the transaction as a fraud, before i emailed him many times but no respoce, it has been since XXXX but till this day filing this complaint with you Capital one did not cover the charge, mind you when signing up with them they do brag about customers are covered for a fraud transactions, twice I provided them with documents but they are trying to stick it to me and bail out from paying back the fraud charge.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

As of XX/XX/XXXX my Chase checking account was closed and removed from my online profile. From some information I was able to get from a customer service rep I was told the process started on XX/XX/2021. I only learned about the closure from logging into my account and seeing it had vanished from the list of accounts. Since then Chase has been no help whatsoever about reasoning of the closure or any info, other than they have the right to do it and no new accounts will be allowed. 

Two other items to note - 1 ) I used this checking account strictly to receive ACH transfers from XXXX for items I sell. My main checking/savings is through a local credit union. Once the funds were deposited into my Chase account I would transfer them to my main accounts. I did this because my local credit union was not listed on the XXXX XXXX verification system and repeatedly had issues getting them to deposit. Once I opened the Chase account and was able to use the XXXX system I had no issues for over a year. 

2 ) I also had two lines of credit ( totaling around $ 30K ) with Chase which have both been closed now. The answer that I got from the credit side of Chase was that it had nothing to do with the way I managed the credit cards, the decision to close was based on a decision from the retail side but all my business with Chase will be closed. Since the only item I have on the retail side was the checking account I can only assume this checking account is what they're referring to. 

Since the closures of my credit accounts and now checking accounts I have reached out to Chase multiple times trying to get info and see about the possibility of a review etc. which has been met with closed ears. Only being told that they can not disclose the reasoning and that Chase has the right to close any account at any time as they see fit. 

From what I have read from other consumers through various online platforms this has happened to countless people and the same result, no info or explanation provided by Chase. It seems a decision is made by an algorithm or automated process if it doesn't like your banking practices or thinks something nefarious is happening. My own deduction is that something was triggered because of the way I used the account to receive my XXXX ACH transfers and then transferred to my local credit union account.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I sent the collection agency on XX/XX/18 a 30 day notice to respond, A Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 



No response was giving .... 

On XX/XX/18 I also sent a HIPPA validation letter that also got NO response. 

My most recent letter do to the NON responses was another follow up letter on XX/XX/18. 

I also have contacted the credit bureaus XXXX, XXXX which I asked what method was used to verify this account and both has notified me that the debt has been verified without any proof according to the law to provide evidence as each individual is required to do so submitting evidence to dispute. 
XXXX actions was my evidence the debt didnt belong to me because they removed the collection account do to it unverified status.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting accounts open that are closed and was included in bankruptcy chapter XXXX. I have reported this information to them several times and its still showing on my credit report. This accounts were showing closed and discharged under chapter XXXX however it appears they show accounts open again which is inaccurate information. Thi was reported several times in XX/XX/XXXX and XX/XX/XXXX with no resolution
Consumer complaint received 2022-02-03
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: Santander Consumer USA Holdings Inc. (TX)

Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to SANTANDER CONSUMER USA. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX  who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )
Consumer complaint received 2017-12-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

My husband and I initially had a home equity loan with Wells Fargo. They changed it without our consent or knowledge to a conventional mortgage.They claim that they could legally do so without my consent. In the process of switching, they inadvertently left my name off the loan. For several months, I failed to gain the benefits, credit wise as I noticed a decrease in my credit score ; I don't know if this error caused it or not. The most significant problem is that I try to pay off the loan ( in the amount of {$140.00} ) and they won't allow me to pay the loan off. They claim that there are almost {$5000.00} in recovery fees that must be paid first before they can accept the {$140.00} payment. I have been speaking to one associate to another trying to figure the exact origin of these fees and exactly what they are for. They told me that it was for a lapsed insurance policy. I provided documentation from XXXX XXXX and they still have fees and no one can tell me why. Also, I noticed on a statement that they paid insurance for me each month. They charged me the fee and then they waived the fee. Again, no one can explain why. I am supposed to have this loan paid by XX/XX/XXXX but nothing has been resolved over the past month. I should not have to pay for something that they can not explain and show that I owe. Furthermore, it is wrong to not accept the {$140.00} payment of my loan because of these fees that they can not explain.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-06-29
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: FORD MOTOR CREDIT CO. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose