davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

XXXX Fraud  Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX EST Subject : RE : Affidavit for XXXX Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. ** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at XXXX , Chase Bank wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting XXXX to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from Chase Bank and XXXX, not to mention the US Postal Service, must be a XXXX. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.
Consumer complaint received 2021-05-10
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: Frontline Asset Strategies, LLC (GA)

Frontline Asset Strategi reporting derogatory marks on my XXXX  credit report onXX/XX/XXXX in the amount of {$1200.00}. Upon the research this account was transferred from XXXX and l am no longer responsible for this account. Debtors creditors did not verify this collection or no written form of communication, signature of contract for this accused debt at all. A bill without a signature does not validate the debt. According to FCRA Frontline Asset Strategi has to validate. My rights as a consumer have been violated and Im requesting to legal call to action to remove this account immediately. Please terminate collection efforts by removing from all credit bureaus ( XXXX, XXXX, XXXX  ) due to failure to validate the debt.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please provide me with a copy of the Note for loan number XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, NC XXXX. I submit this as a Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX
Consumer complaint received 2021-05-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (GA)

The collection agency representative could not get me on the phone so he/she proceeded to speak with my wife about my debt/account. My wife is not an authorized user on my account or authorized to speak to anyone on my behalf. This has happened twice. They tried to get her to authorize a payment arrangement on the account. She told them they should not be speaking to her and asked that they call me instead. They insisted that the laws allow them to speak to her in my absence. 

The most recent call was XX/XX/2018 and the one prior was about 2-3 weeks ago.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

On XX/XX/2020 I received a notification that a collections account was added to my credit report. However, I had not received any notification or documentation about the alleged account or debt. I was not given any opportunity to contact the company to verify or dispute the alleged debt The amount showing owed is {$15000.00}.
Consumer complaint received 2018-08-07
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. (MS)

I reached out to the company on multiple attempts starting on XX/XX/XXXX about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XX/XX/XXXX and it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (PA)

I took out a loan with XXXX XXXX and had a payment due XX/XX/2021. It is not even 30 days late and I have the Vice President calling my phone saying that he has approved " action '' to be taken if I don't call the office back. I came down with XXXX in early XXXX and am still on XXXX. I can barely complete more than a few sentences without XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctors have said I'm a " XXXX XXXX '' patient and they aren't sure how long these symptoms will last. I'm unable to work right now because I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I full intend to repay this loan as soon as I'm able but I feel like having the vice president call my phone and threaten " action '' ( unspecified action ) if I don't call back by XXXX is a bit much for someone who isn't even 30 days late.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SD)

On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

I mailed a letter requesting Equifax verify an item on report via certified mail XX/XX/18 ( i have uploaded an example of the letter ). FCRA recommends 30 days to verify. I requested that the item be verified or deleted. It is now XX/XX/18 and I have not gotten verification. This was the second request made to company as i initially requested deletion due to no knowledge of account on XX/XX/2018 via online. Of the three bureaus one ( XXXX ) deleted as meeting FCRA requirements on XX/XX/18.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (OH)

According to a recent phone call with the collections department of Navy Federal Credit Union, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. NFCU claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my XXXX credit report ( attached ) NFCU has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (CA)

I settled a balance with AMEX back in XX/XX/2019. I was NEVER informed that there would be a 1099-c with  tax consequences as a result. I would have never gone through with this settlement had this been disclosed to me and I would have preferred to make payments to pay entire balance. I need my entire tax return for my medical treatment. PLEASE HELP.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (FL)

I have two accounts in collections with this company. Every day, they call me no less than 3 times on my cell phone which I have not consented to receiving these calls. Most times, they ghost their number. 

Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$52.00} Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$100.00} I have written them 3x to validate this debt was owed since my insurance company and XXXX XXXX spending show payment in full. All letters have never been responded to. 

I will never deny payment to any person or company that I owe. However, my records do not show where all but less than {$200.00} was paid to XXXX XXXX XXXX. I am now using the CFPB to monitor that I am making a new and final request for debt validation. If not received, these accounts are legally to be deleted from my credit report. 

I request that you cease and desist from all telephone call attempts and communicate with me solely by mail going forward.
Consumer complaint received 2023-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

During the week of Monday XX/XX/XXXX I was informed that I had a soft decline on a HELOC application with US Bank due to my student loan debt. I provided all of the additional documentation including XXXX XXXX guidelines showing how to calculate the monthly debt to income ratio with student loan payments. 
I provided the following documentation : 1 ) My student loan has been approved for discharge 2 ) I am currently in an income driven repayment plan and my student loan is currently in forbearance and is scheduled to be in forbearance until XX/XX/XXXX. 
3 ) My scheduled monthly payment is {$83.00} In spite of this documentation the lender has insisted on using a monthly repayment amount of {$4200.00} and denied me a product I am otherwise eligible for.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded. 
Creditor 1 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 2 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX XXXX XXXX   XXXX Unverified Account, Creditor 5 - XXXX & XXXX XXXX Unverified Account, Creditor 6 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 07 -  XXXX XXXX Unverified Account, Creditor 08 - XXXX XXXX Unverified Account, Creditor 09 - XXXX XXXX Unverified Account Creditor 10 - XXXX XXXX CO Unverified Account
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXXXXXX XXXXXXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GCFS, INC. (CA)

On XX/XX/XXXX XXXX XXXX Clerk Of the Superior Court By : XXXX XXXX Endorsed Filed. However ; Superior Court of California County of XXXX XXXX XXXX of Justice Case No. : XXXX Stipulation For Judgement. The parties stipulate that judgement will be entered in favor of Plaintiff, GCFS , Inc. a California corporation, and against Defendant myself, in the sum of {$6000.00} principal, {$3100.00} interest, {$1400.00} attorney fees and {$480.00} costs of suit, for a total of {$11000.00}. Dated : XX/XX/XXXX sign off by XXXX XXXX, XXXX, GCFS, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX..Dated XX/XX/XXXX I signed off and Dated : XX/XX/XXXX XXXX XXXX XXXX , Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX signed off. A lean was placed on my property for the same amount of {$11000.00}. My agreement was to pay {$120.00} per month to GCFS until paid in full. 

When the case was settled I received a telephone call from XXXX XXXX Account Representative who told me that I must pay immediately {$1400.00}. I gave Mr. XXXX my debit card and funds were collected. However ; now I am told this funds can not be located, nor seem to be recorded. 

Now here it is XX/XX/XXXX I am still paying on this judgement? I have called and requested why am I still paying on this judgement of {$11000.00}? I was then sent a letter dated XXXXXX/XX/XXXX with Case No : XXXX showing I have paid a total of {$13000.00}. However : GCFS has added a accrued Post judgement amount of {$3400.00} plus another accrued post judgement cost of {$50.00}. 

I am so confused, first I need to no what happen to my first immediate payment of {$1400.00} that I made to Mr. XXXX. Then I need to no, why are the accrued Post judgement fees attached that were never signed off by XXXX XXXX Courts nor myself attached to this judgement? Plus this judgement term has also been officially met by XXXX XXXX Courts. Something is very wrong here? My account has missing payments, and missing immediate funds payment. We are asking for your help! This account should already be closed, plus lean removed from my property. Also, a refund for over payment on my part. Please assist, as you can see we need help!
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IL)

In XX/XX/XXXX, Ocwen Loan Servicing provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by Ocwen, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to Ocwen are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
Ocwen attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire Ocwen account needs to be removed from my credit report due to their own errors.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.
Consumer complaint received 2022-06-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I was paid a very good amount by my new employer on XX/XX/2022. My new employer is also helping me monetarily so I can get back on my feet after not working for over a year taking care of my XXXX XXXX XXXX XXXX XXXX veteran grandfather. My deposited check was first approved and my bank gives {$220.00} right away so I will have some money available for a couple days before they deposit the entire amount. I have never had an issue with this before. This time, after the notification of my approved deposit, they sent a different notification saying that it will be held for over 5 days to " protect me from fraud '' and the weekend days involved. I contacted them to find out exactly why this is even a situation because I have never deposited a fraudulent check and I have also deposited amounts larger than the current with no issues before. I was told that the check is being held by the Federal Reserve to verify that the funds would be available from the company writing the check. I was also told that one of the reasons this situation has risen is because they had experienced questionable checks from the same source before and it had absolutely nothing to do with my previous actions. After researching these claims I found out that it was a total lie from the representative I spoke with. I called the Federal Reserve and verified that they were not the one holding my check at all. I also spoke with the General Manager at my new employment and verified that there has never been fraudulent checks written from the business and another new employee was able to cash their check at their own bank with no issues at all. I called my bank again and spoke with a supervisor and only told that it will be requested to be re-reviewed and possibly cleared a couple days earlier than the 5 day to 7 day time frame I was originally notified of. The supervisor did not verify anything, the first representative I spoke with, was true. He also did not say that I was the main reason for the hold. I was given no proper explanation at all. I am complaining because this is a situation that is completely unacceptable behavior from a financial institution that has never experienced fraudulent activity from a customer before. Things like this should not be allowed to happen to people that are trying to back on their feet with help from others understanding the person 's current situation. Completely unacceptable.