davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Navient has reported half of my loans incorrectly to the Federal Database by failing to provide the actual percentage interest rate and instead just calling them " variable '' with no specific percentage interest rate noted. As a result, when I go to " consolidate '' my loans, the federal consolidation system states that the " consolidation '' process would raise the interest rates on ALL my loans to a percentage much higher than any of my current percentage interest rates. Now half of my loans have an interest rate under XXXX percent and the other half have an interest rate of XXXX percent. When I go to the federal site to " consolidate '' these loans, the site tells me that their so-called " consolidation '' would raise the interest rate on ALL my loans to XXXX percent, a horrifying injustice and violation of the federal government 's representation that the " consolidated '' interest rate should be between the current rates, not higher than them. Please tell Navient to report the actual interest rate to the Federal Database, so that the " consolidation '' does not illegally raise my interest rate on all my loans well over and above the current highest rate. Otherwise, the federal government is committing deception and theft through the so-called " consolidation '' process. Unless Navient reports the actual interest rates on my loans, I will be unable to consolidate my loans and will be ineligible for Public Service Loan Forgiveness. I have called Navient Customer Service twice about this problem, and both times they have put me on endless hold until their phone system automatically ended the call against my will. When I wrote to Navient about this problem, they replied by copying boilerplate from a manual that had nothing to do with my problem. Please help!
Consumer complaint received 2018-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

I filed chapter XXXX bankruptcy many years ago. 
Chase never showed up at court and never affirmed the debt. 
They are in the process of collecting documents to modify the loan but yet start foreclosure while we are in the process. 
This is just wrong since that would make myself and my Mother, who is suffering from XXXX XXXX.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

American Express is reporting an erroneous late on my file that needs to be removed. I recently took a look at my credit and noticed that they reported a XX/XX/21 late. I do not have any open accounts with American Express. Any account I have had with them has been solved and closed. There is no balance for me to be late on any account so I'm not even sure why there is a late notation but this severely affected my credit. This needs to be removed.
Consumer complaint received 2021-09-14
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-06
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (GA)

I have contact cfpb 3 years ago about my chase bank checking account! And when I try to open join account with my gf, they closed immediately after 7 days! They said my ac count has been colsed for some reason happen 5 years ago! Now, they closed my old checking account too, I dont get it for this! Please help me! 
My phone number is XXXX
Consumer complaint received 2023-03-26
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)

On ( XXXX/XXXX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (AL)

There was a Notice and Demand for Payment opened XX/XX/2015 to recoup the exact value of the illegally collected debt in the amount of {$460.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
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: Experian Information Solutions 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 XXXX 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 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. AD ASTRA RECOVERY SERVICE Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a Certified Dispute Letter to Transunion ( XXXX # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. Suffered Financial Hardship. Instead of filing BK, I negotiated with Capital One to repay outstanding credit card debt.

2. Entered into an agreement on XX/XX/XXXX at a set balance and repayment amount to make monthly payments. This account was not accessible to me online, it was by billing through regular mail only. 
3. Capital One accepted monthly payments and on XX/XX/XXXX, they changed account supervisors and reset the amount owed to a higher, incorrect amount. I continued to make payments even though they changed the agreement. I was unable to get anyone to communicate why the change in amounts owed. I made 67 consecutive payments. 
4. In XXXX of XXXX, I stopped receiving statements and I had no idea what my payment or balance owed was at any time after the statements stopped. The account could not be accessed via phone or online. I called my account supervisor XXXX XXXX several times with no return call. I continued to blindly make the {$100.00} per month payment with an old payment coupon.I never received any communication past this point from Capital One. 
4. XX/XX/XXXX I made what would end up being my last payment. I called Capital One in XXXX, because I was no longer receiving billing or statements with the outstanding account balance ( which was incorrect from the unexplained reset anyway ). The person I spoke to said they never received a XXXX payment and the account was permanently closed. I explained to her that I had confirmation that they had received the payment. I did have a credit report pulled and it showed the payment being made, but no change to the balance owed, and again the balance owed was not accurate. The credit report indicated the account was settled.

5. I received no further communication or return calls from Capital One after they told me the account was permanently closed.

6. XX/XX/XXXX I received a collection notice demanding an amount higher than what I owed to Capital One from a collection agency. They have threatened to sue me, and ruin my credit. They insulted me about having an outstanding debt. I tried to negotiate and they refused. 
7. I called Capital One to find out why they sent the account to collection instead of communicating with me directly and continuing to accept my payments. I upheld my agreement for 67 consecutive months, and I would continue to meet my obligation until the debt was paid in full, however they made that impossible when they stopped communicating with me, changed the terms of the agreement without notice, and stopped sending statements without notice or cause.
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

Got a letter from Security Credit Services , LLC to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or Security credit services , LLC has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (OK)

I took out a mortgage with Guild mortgage in XX/XX/XXXX. I paid my mortgage down to XXXX XXXX on XX/XX/XXXX. Guild mortgage is still charging me PMI of {$150.00} per month. I have advised them of their mistake but they refused to refund the {$5700.00} they erroneously took from me. Ive recently become aware that this is a violation of the federal homeowners protection act.
Consumer complaint received 2023-03-26
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. (NC)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My card was fraudulently used at various ATMs in XXXX after I went to get some medical work done XX/XX/15. After my card being denied the next day, I attempted to call wells fargo but my cell company wouldnt allow the call to go through. When I returned to the US on the XXXX I immediately contacted wells fargo and submitted a claim. I mentioned to them the entire situation and was rudely told to wait the 14 days. I cant wait 14 days to feed my family and keep a roof over our heads. This is truly bullying and I cant do anything about it.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I have a virtual AMEX gift card that I am unable to use on line or in store. I was given the card with a {$350.00} value. I used it to make a couple of on line purchases at XXXX and in store at XXXX XXXX XXXX. That left the current balance of {$130.00}. I have since tried numerous times to use the card on line at XXXX, XXXX and XXXX XXXX. I called American Express several times and was told that the merchants may have security in place where they do not accept " anonymous '' user cards and to use in store instead. I have tried to use in store at XXXX XXXX XXXX ( this time didn't work ), XXXXXXXX XXXX  and XXXX. All instances the card was declined despite having a balance. I keep calling American Express and they tell me that my balance is there, restrictions are lifted ( why where they there in the first place? For my protection I was told. But I never reported losing the card. I am simply trying to use it! ) So back to the stores and same problem. When I call I am being told to try other merchants. I don't think this is fair. You should be able to use the card anywhere they have a card reader ( XXXX XXXX ). Any help would be appreciated.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX16cfr 313 433.2 Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received two letters from Bank of America - saying I had been granted two new credit cards under my name. I did not apply for any credit cards. I contacted BofA and the accounts have been marked as fraud and closed.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (CA)

I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, XXXX, and Equifax. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.