davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

Chase operates a service called "XXXX XXXX" and sends out monthly updates to members. On XX/XX/2019, I received an update with my name incorrectly spelled. I contacted the bank on XX/XX/2019 and requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again requested that they correct my name. There was no response. On XX/XX/2019, I received another update with the incorrect name. I contacted the bank on XX/XX/XXXX and again I requested a correction. On XX/XX/XXXX, I received  a small card in the mail which stated simply "We are sorry for your recent customer service experience". I thought they finally made the change, but no - on XX/XX/2019, I received another incorrect update and on XX/XX/2019, I received another incorrect update. The bank is NOT paying attention to a customer request and this is not acceptable.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Student Aid (USA) Funds (IN)

On XXXX XXXX, XXXX i wrote a dispute letter asking for validation of this debt ( see attachments # 1 & 2 ). XXXXXXXX XXXX wrote back on XXXX XXXX, XXXX ( see attachment # 3 ) stating i can get in contact with them via email @ XXXXXXXXXXXX ; they also requested information on attachment # 3. I wrote them back on XXXX XXXX, XXXX via email sending them the original dispute letter plus a debt settlement letter ( see attachment # 4 ). XXXX Fund/navient wrote back the following XXXX XXXX XXXX to me Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. 



Thank you, Post Claims Assistance XXXX, XXXX. 

It 's been passed 10 days.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have 3 bank of america accounts : a checking account, a savings account, and a credit card. 

I transferred about {$6.00} too little from my savings into my checking account before paying my credit card. 

Bank of america charged me a XXXX $ overdraft fee because i had a - {$6.00} balance in my checking account after my credit card was paid. 

Now I am struggling to pay the XXXX $ fee, when I did have enough money in my savings account to pay the credit card bill in the first place. 

Bank of american refused to refund the overdraft, which I thought they should of because they should see ( since all my accounts are with them ) that i was just paying their credit card, and i have enough funds in my savings account for that transaction.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FULTON FINANCIAL CORPORATION (NJ)

In XXXX of XXXX, I brought XXXX XXXX XXXX  to link my and my wife 's XXXX XXXX accounts to our joint checking account. The bank branch advised they can not provide stamp/seal of Treasury documents as stamp/seals have been removed from the branches. Only financial advisors have access to the stamp/seal and will only come to a branch if we were to request financial advisor services. 

Approximately a week ago, I mailed the form to Treasury without the stamp/seal. 
I submitted XXXX XXXX without the stamp/seal and it was rejected on XX/XX/XXXX. 

XX/XX/XXXX - Contacted Fulton ( XXXX ) to discuss with their customer service. There is no option to talk to a person and the phone tree would only give account balance detail. 
XX/XX/XXXX - Emailed Fulton Bank and response is pending.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Since XXXX of XXXX I have been reaching out to Lakeview Loan servicing company, in hopes to obtain a loan modification. We filed bankruptcy in XXXX and my husband lost income from leaving his job and we are struggling on monthly payments. I called at least 5 times and sent emails to request contact. Nobody has EVER called me back. There were times I waited on hold for SIX HOURS! SIX! I need someone to help me with the loan modification paperwork and to figure out exactly how to fill it out. Then I received an escrow shortage notification where they said that my PMI increased. How does my PMI increase? That is locked in at the start of the loan and decreases over time. With that, a and a raise in property taxes, It caused my escrow to be short over a XXXX dollars.But when I calculate how much my Taxes and homeowners insurance cost, it is not at the number they are asking me to pay monthly. I called last week and asked them to rerun it and explain it to me and the women said someone would reach out to me in a couple days. It has been a week now. I absolutely CAN NOT stand this loan company. if I had ANY chance of my bankruptcy not holding me back I would refinance somewhere that doesn't take 6 hours to talk to some one. But for now I guess I will just stick it out. I hope that they are reprimanded and that something happens because I am struggling.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (DC)

On XX/XX/2019, I sent Navy Federal Credit Union ( NFCU ) a written request for debt validation under the authority of Fair Debt Collection Practices Act, 15 USC 1692g, in connection with a debt collection letter I received from NFCU on XX/XX/2019. Today, XX/XX/2019, I received a letter from NFCU dated : XX/XX/2019 that states that they have reported my account to the major credit bureaus, despite their failure to validate the debt, or prove their claim. I have attached the letters as part of this complaint. 

Possible Intent : NFCU did not respond in good faith when I disputed a {$2000.00} charge on my credit card in connection with services that were not provided as promised/agreed. After unsuccessful attempts to address the problem directly with them including documentation of violations of the Fair Credit Billing Act by them, I filed a complaint with the CFPB. Again, their responses were not in good faith. Ultimately, the CFPB added my complaint to its Consumer Protection Database, shared it with the Federal Trade Commission, who added my complaint to their database for state and federal law enforcement agencies. After that, the CFPB directed me to contact XXXX XXXX, a consumer-protection investigator in DC 's Attorney General 's Office. Mr. XXXX asked me to again try to resolve the issue directly with NFCU. I wrote them letters, but again they did not respond in good faith. Rather they continued to fabricate accounts. Mindful of my interactions with NFCU, I think that it is probable NFCU illegally reported their bill for the checking account to the major credit bureaus to continue their pattern of attacks against me. Perhaps they believe that by attacking my credit worthiness, and sullying my reputation, others businesses and organizations will likewise attack me, or cheat me in my interactions with them. They may hope that I will be bullied into silence for fear of attacks from them and/or their accomplices, so they can dually avoid accountability for defrauding me of my right to recover the {$2000.00} payment, as well as deprive me of my rights that exist to guarantee that no one can treat me this way. This is a statement of a hypothesis that I have confidence in. To the extent that it is reasonable, I will share the evidence of my claim as appropriate. NFCU likely knows that their actions are illegal. However, hopefully by sharing this information with them, they will cease and desist, rather than continue their pattern of criminal conduct and unethical dealings. I have attached the documents that prove my claim in connection with their recent actions. I can also make available the documents that relate to my previous complaint, as well as other evidence that record my interactions with NFCU.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. ALso according 15 USC 6802.NO financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NJ)

I applied for a loan on XX/XX/21 to consolidate credit card debt. I took an offer with LendingClub. They asked me to submit new documentation to finally deny my loan three days later. I said find. I went to the competition. XXXX approved and funded my loan within 24 hours. " LendingClub '' then came around, approved and funded my loan too. Obviously, I rejected one loan ( I can not have two loans ). I rejected the " LendingClub '' loan. In some type of retaliatory move, " LendingClub '' then placed a Hard inquiry on my file on all three credit reporting agencies XXXX which they didnt need to deny or approved my loan before ). " XXXX '' didnt need it. They never placed one. Then " LendingClub '' reported to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) That I took out a loan with them. This is INACCURATE information and a clear violation of the Fair Credit Reporting Act. It only took them 6 days to report to the credit agencies that I had taken out a loan. But it has taken then 45 days ( and counting ) to report that I have rejected that same loan ( loan was rejected on XX/XX/21 ). This needs to be corrected. Thank you CFPB for your help.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!! 

They have called me at least 30-60 times within the last month.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (KY)

The debt was from a XXXX card with a {$300.00} limit from back in 2006. I have no signed contract with my name and XXXX XXXX XXXX XXXX XXXX. that is pursuing the debt through Lloyd & McDaniel. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and XXXX XXXX XXXX. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

I had a debt for collection in the amount of XXXX from XXXX XXXX who was sold to Jefferson Capital Systems ( JCS ) and XXXX XXXX XXXX in which both companies sent me letters for debt collection, i paid the amount of XXXX to JCS on XX/XX/XXXX as a settlement and to also remove it from my credit profile. Although the account was paid, i talked to XXXX XXXX XXXX on XX/XX/XXXX still wants to collect the amount of XXXX to remove the account i had already paid to JCS. They told me JCS wasnt supposed to collect and that i still owe them the original debt.
Consumer complaint received 2019-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX I obtained a copy of my credit report via XXXX. Problems occurred and I wrote XXXX and was given a phone number to get report. I got reports. On XX/XX/XXXX I sent a letter to Experian with a list of corrections to report number # XXXX report dateXX/XX/XXXX. On XX/XX/2019 I received another credit report # XXXX dated XX/XX/XXXX. It stated " you are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. '' Not True ''. None of the corrections in my letter were addressed. Trying to contact Experian by phone is impossible and their website has no way to contact to speak to anyone. This is in violation of the Fair Credit Reporting Act. I also sent corrections letters to XXXX and XXXX XXXX on XX/XX/2019. I have not received a response but assuming it takes more time. However, Experian sent a new report without responding to my request for corrections.
Consumer complaint received 2024-02-11
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/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 XXXXXXXX XXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX  report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XXXX XXXX XXXX, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I DISPUTED ITEMS IN XX/XX/2021 AND I HAVE A LETTER STATED THEY DELETED THE INCORRECT ADDRESSES. UPON CHECKING ON MY REPORTS AGAIN THIS MONTH XXXX IT STILL SHOWS THE OLD ADDRESSES BEFORE. WHAT IS GOING ON. PLEASE REMOVE THESE ADDRESSES FROM MY ACCOUNT. IT DOES NOT BELONG TO ME.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (NY)

XXXX XXXX, XXXX at XXXX dealership, inquired about their ad on change car. Sales showed me 3 Certified XXXX XXXX autos, drove one. Liked it, price reasonable, had the accessories I wanted. Inside dealership, sales tells me he can't sell me 'that ' cat, but can sell me other one. Told me it's the same, just different color. Was promised price would lower. I explained to him, will not have packages added, alert your finance man, he agreed. When I met with finance mgr., he told me my trade-in price. This was the only info he gave me. Explained I can not afford high payment. Sat for 2 hours in small room, no ventilation. Due to my back failure, told finance I had to walk. Doing so, sales told me I was approved, you have to remove items from your car. Doing so, called to finance office, he told me to sign in few places. I asked for the break down in numbers, he explained numbers, made no sense, repeated this to me again. Interest rate never said to me, or car does not have the accessories you wanted. Outside again, removing items, sales came to me : " finance made error, just initial here ''. This point, in pain I did. Receive some paperwork, drove 3 miles home. Once home I looked at oil level, ( 15 % ), called sales, told come back in am early. Plus remote key not working. If 'Pre-Certified ', all should have been checked. Next day met with sales, told him contract is packed with items I never requested, plus high rate of interest 18 %. His response ; if you cancel package, you will have to pay for the oil change! Outraged, told him to cancel it, & finance mgr. Sent via fax, telephone & mail, to finance mgr to remove & adjust contract. 45 days later Honda Corp, upon my form request removed 2 packages, deducted funds from total loan. Interest never changed. Since XXXX XXXX to XXXX XXXX, replaced battery twice, radio electronics repaired.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. All the above accounts XXXXfiled a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2019-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Thank you for your recent contact dated : XX/XX/2009. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion and XXXX continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of 1681a ( 4 ) consumer rights to privacy for child support to be on my profile.