davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

Chase had unilaterally decided not to send me paper statements despite not having my email, based on the most recent statement I was sent. I want paper statements and tried to call them today to state that. Their office was closed and no alternative method was offered to obtain these statements other than calling back ( their hours were not stated so I have no idea what they are. ) To Chase : I do not and will not consent to paperless servicing. Please cease and desist from all attempts to enroll me in that feature. Please immediately restore my paper statements. Please also fix your controls- this is a clear sign that you are unable to properly execute basic mortgage servicing. 

Note that the letter sent has no way to tell Chase that there is a clear error here ( who signs up for e-delivery and doesnt leave an email? )
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 ( A ) - States I have the right to privacy.

15 U.S.C 1681 Section 604 ( A Section 2 ) - also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consumer reporting agencies are continuing to report inaccurate information that I did not authorize or give written instructions to do so. They have also violated my rights by not providing me with the results or information from the investigation.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NV)

I have called Chase more than 10x with repeated trouble using my Chase credit card. It is constantly being blocked due to an automatic security protection measure related to trying to use the card on contactless via XXXX, but this is not warranted as all the purchase attempts have been legitimate. I have called in repeatedly to verify my purchases and to unblock my card, yet the problem occurs again and again and again. I can not keep calling in ; I am unable to use my card as intended and no one at Chase is able to prevent the card from continually being blocked on about 50 % of my contactless purchase attempts. Furthermore, I am not even told about the security measure nor asked to verify it is me attempting a legitimate purchase - instead, the card is simply denied. Chase thinks they have set these alerts up successfully, yet I have never received one. 
This is super frustrating and I can not use my card. It is untenable to expect me to keep calling in to have my card unblocked.
Consumer complaint received 2023-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I am a co-signer on my daughter XXXX XXXX loans which were funded on XX/XX/XXXX and XX/XX/XXXX respectively {>= $1,000,000} each loan. I have made all the payments monthly and on time. Just the last 2 years, XXXX and XXXX ( I added it up in my banking history ), I have paid {$15000.00} total to Navient to service the loans. 
( just the last 2 years, and XXXX is not a complete year ). 

The payoff on loan XX/XX/XXXX funded is {$19000.00} unpaid principal {$18000.00} The payoff on loan XX/XX/XXXX funded is {$21000.00} unpaid principal {$21000.00} How is this possible? I have asked them for information and also consideration because my daughter is a veteran, I have in previous years paid more than I have the last XXXX ( XXXX and XXXX ). 

Navient isn't applying funds to help us instead I just keep paying interest. It can't possibly be the amounts left, me having paid over $ XXXX or more ( just using the last 2 years as an example ) on each loan over the life of the loans so far. 

Help please? 

Co-signer mom of a daughter who is a veteran ( XXXX ) FYI. The loans use to be with XXXX and then Navient took them over from XXXX. 
These balances can not be correct. Impossible. And I don't have access to all the history.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

I signed up for a citbank XXXX promotion to receive {$200.00} per their terms once the account was opened, funded, and funds remained in account for a specificed period of time. I funded the account on XX/XX/XXXX and received only {$100.00} of the promised {$200.00} on XX/XX/XXXX. I called citibank to discuss the discrepancy and the customer service member told me that I should have received {$200.00} per the promotion and they would open a dispute to look into it. I received a letter from citibank on XX/XX/XXXX that says they looked into the dispute and I received {$200.00} per the promotion on XX/XX/XXXX. This is not true, as I only received {$100.00} and this is clear based on checking account records. I called again XX/XX/XXXX to discuss and was told that they agree I only received {$100.00} despite what their official letter says, but that I will only be receiving {$100.00} total. This is less than the promotion promised, as well as what I was confirmed on the phone by a representative. I told them that I would be filing a complaint with you and they told me to go ahead.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (VA)

I received a call from Credit management, so I advised the representative to write to my address on the debt the company is trying to collect. Some days later, a letter was received and I file a dispute on credit management asking them to provided verification and appropriate documentation to verify the debt. 

On XX/XX/2022, a received another letter stating that the account I disputed had been reviewed and confirmed in Credit management office without sending any prove of documentation from the creditor.
Consumer complaint received 2022-02-27
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. (SC)

XXXX, EQUIFAX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQIFAX, XXXX AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These are fraudulent inquiries on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, Equifax any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following Inquiries BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These are fraudulent inquiries on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave Transunion, XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following Inquiries BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (CO)

I have spoken with Apple Card ( Goldman Sachs ) representatives both by text conversation and over the phone on multiple times throughout XXXX, XXXX, and XXXX ( some of the dates : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ) requesting information about closing my Apple Card account and enrolling it on a " debt management plan '' ( DMP ) with a lower monthly interest rate similar to the plans offering internally by some credit card companies and by non-profit consumer counseling agencies. I was only given information about their " Customer Assistance Program '' and was allowed to enroll in this program a month at a time ( I had to contact them each month ) for about 6 months before they no longer allowed this as an option. Currently, I am not given any options to lower my interest rate and enroll my account on a payment plan to pay off the balance in a fixed amount of time with a lower interest rate. Currently my Apple Card interest rate is 27.24 % and I have a balance of {$3000.00}. Apple Card ( Goldman Sachs ) does not offer a long-term internal payment plan nor does it participate with any non-profit consumer credit counseling ( NPCC ) agencies ( I have spoken to about 8-10 different agencies and they all say that Apple Card does not participate ).
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence. I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

They call repeatedly, multiple times a day including when I am at work. I have asked them not to call during the day. They also call at XXXX XXXX on Sundays and I understand they are only supposed to call between XXXX on Sundays.
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: EOS Holdings, Inc. (HI)

Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.
Consumer complaint received 2023-06-13
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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 2022-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, XXXX I logged onto my BofA app., in connection with my unemployment benefits card. i I was shocked to see my balance. On XX/XX/XXXX {$5000.00} was transferred to a bank account not owned by me ( BofA states in their disclosure that you can transfer funds to another account OWNED BY YOU ). XX/XX/XXXX {$3000.00} was transferred. I don't know if it was sent to the same acct. as the bank will not divulge where my money went. I was told my email was changed to XXXX and my security questions were changed. 
Interestingly, my account had been frozen and I was instructed to go to a branch office and provide two forms of ID. I did as instructed on XX/XX/XXXX, coincidence? The bank employee stood me at the counter in front of God and everyone and had me recite all of my security information, just saying.

I was on the phone with the Bank of two hours, submitting useless claims that were denied a few days later and obviously no investigation was conducted. They cancelled my card and reissued. I never recieved that card. Another card issued, got it on XXXX XXXX, XXXX i Planned to withdrawal the remaining balance but couldnt make it to the bank till the next day. On the way to the bank i logged on to the app, {$3000.00} had just been transferred. You would think the bank could have denied that transaction and pull the funds back but NO! Another denied claim stating the transfer was authorized. I finally got my statement and it said that XXXX took the money, seriously? How could I be in cahoots with them? XXXX said there is a law against them taking money from claimants accounts so they did not take it. Please help me. Taking them to small claims seems daunting and i give up {$1000.00}.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

According to the FCRA a credit reporting agency should not report on a file while it's under investigation. XXXX XXXX XXXX is under investigation as I filed a complaint on it via CFPB complaint I'd # XXXX. Also according to TransUnion when it comes to this file it says my highest balance is XXXX, my monthly payment is XXXX and the terms are for 0 months. So how are they reporting that this account is open with a balance it doesn't make sense. I have included a sceenshot of this as well
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MI)

LexisNexus continues to report to other credit agencies false information. I have contacted them and provided a valid ID of me. They have refused to accept my ID as identification stating that my address doesn't match their records. Which absolutely proves that the info that they have is false. I requested a credit freeze and they have refused. They are violating the law and my rights.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IN)

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide e documentary evidence.

I have never done business with your company and have no legal obligation to pay you for any services.

I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

This is the second complaint against Chase Bank. On or about XX/XX/2022 XXXX XXXX processed a direct deposit into my Chase Bank account ending in XXXX for the amount of {$360.00} which posted to my Chase Bank checking but about the same time Chase Bank closed my account and never sent me those funds due to me. 

The first issue I lodged a complaint against Chase Bank through CFPB was back in late XX/XX/2022 in regard to a remote deposit in the amount of {$540.00} that I made on XX/XX/2022 which Chase Bank never gave me credit for and has still to this day not resolved this matter. XXXX XXXX has verified this check via an phone message to Chase Bank 's customer service # XXXX and through an email to me in which I forwarded to Chase Bank. 

I have not as of yet received any money from Chase Bank for the paychecks from XXXX XXXX that was posted to my then account with Chase Bank. The excuses that I am getting from Chase Bank is " they can not verify the issuance of these funds from the maker of those funds. '' Chase Bank refuses to call the phone number for XXXX XXXX ( XXXX ) XXXX because " this is not a registered number for XXXX XXXX '', I have told them that XXXX XXXX purchased XXXX XXXX and everything is registered to XXXX XXXX but they can still verify the money that was paid to me but this doesn't seem to matter to Chase Bank and they are continuing to hold my money. 

Please help me to finally resolve this matter as I am at my wits end with this and tired of trying to resolve this in a timely manner. We are already into the month of XXXX and I have been waiting for my money since the beginning of XXXX. 

Thank you, XXXX XXXX XXXX