davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX I was noticed a charge of {$420.00} on my checking account and it was a debit card charge from Navient. This was very shocking to me because I 'm in school and all my loans are in deferment. I called Navient the next day and I was told that I have on a recurring payment plan and that I had been on the plan since XX/XX/XXXX. I was then told that this plan was not canceled and I would have to pay the {$420.00} but all future payments would be canceled. I told them that his does n't make any sense because I was under the impression and once I 'm in school student loan payments stop. They proceeded to say that they have been attempting to take {$420.00} every month since XX/XX/XXXX but had been decline due to insufficient funds in my checking account. I never got a letter or phone call or email stating this. When I started going to school in XX/XX/XXXX I called Navient to notify them that I would be going to school and they said that nothing on my end had to be done and that the school will notify them and then at that point my loans will go into deferment. They refused to credit me the {$420.00} and I 'm having to go through my bank to file a claim in order to get the {$420.00} back. I 'm very dissatisfied with the disrespect and lack of sympathy this company has for its borrowers.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OK)

Equifax needs to be held responsible for not keeping my data safe and now I am facing possible identity theft and ruined credit. The will only offer monitoring services that includes a clause that no legal action can be taken against them. They also omitted to notify me about what happened as soon as they knew it ( they omitted to tell the public for a month what happened ).
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, Experian and XXXX is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Experian, XXXX and XXXX. 

I am requesting that XXXX, XXXX and Experian to CEASE and DESIST their negative reporting of XXXX XXXX account.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

After a very serious recent bout with   XXXX    XXXX   XXXX , in   XX/XX/XXXX   I calle d the management office of a building I had to move out of in  XX/XX/XXXX  ( due to my sickness and inability to work ) to ask what t he balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all  XXXX  credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A state ment describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 all has violated my rights.

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 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2017-09-09
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. (OR)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach which happened XXXX through XXXX XXXX. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2021-09-06
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)

Someone hacked into my edd debit card to transfer the below funds out to a XXXX XXXX  checking account. 
BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer Return {$5000.00}
Consumer complaint received 2017-09-09
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. (PA)

Due to the recent news that Equifax has had their data hacked, it is apparent that my information is part of the data breach. Equifax had a responsibility to protect my credit information and has failed to do so. As a result, I am now at a higher risk of identity theft and credit fraud. 

I have initiated a 90 day fraud alert and will be enrolling in ID theft protection.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (HI)

I took steps to try and remove PMI from my PNC Mortgage loan, since value of home is about right. Started the process by inquiring with PNC what the steps are. They stated if the home current value on a current appraisal is 80 % ( exact numbers given ) and there has been an upgrade on the home, then we cant take the PMI off. We paid out of pocket for the appraisal ( to appraisal company hand picked by PNC ) and the value came back a few thousand dollars short. So we PAID into the loan the difference, so we could meet the cost to value requirement. So that issue is resolved. The upgrade issues is complete replacement of the HVAC system. The old HVAC ( house bought two years ago ) was at the end of its life, and needed replacement as evidenced on a home inspection reports used as part of the home purchase. So within the last year we have completely replaced the entire HVAC for the entire home. This is part of the home and hence qualifies as a home upgrade. So now PNC Mortgage reports their " XXXX XXXX '' do not accept the HVAC replacement as an upgrade, also, they have changed the rules ( not noted on original PMI paperwork when home was bought ), now if thy make a new rule that if there is no upgrade of their liking they have decreased the loan to value to 75 % instead of 80 % before the PMI can be removed.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

Unable to access my credit report with experian ... ..I used report # XXXX dated XXXX XXXX 2016. I have been trying to access my report online and by phone but unable to access my report. I have also requested an updated report as I have items I have in dispute. I called the customer service number as well and am unable to speak to a live customer service rep.
Consumer complaint received 2017-09-09
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. (MO)

Equifax security breach, whole family affected including our children. Replacement cards, freezing accounts, constant credit monitoring to protect our credit that costs us with no reimbursement from equifax and will affect us for a long time. Equifax did n't notify us right away and waited until the media found out. This has caused anxiety and equifax has not provided any support.
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (CA)

Answering CitiBank mailed flyer offering {$500.00} cash bonus for {$50000.00} deposit, in XX/XX/XXXX I opened a new CitiBank savings account to hold the funds. In XX/XX/XXXX I closed the account via Cashiers Check ( copy attached ), which i mailed same day to my primary financial institution, XXXX. When the deposit had n't posted, I returned to CitiBank ( XXXX XXXX, CA ) to report the problem. I was assured moves would be commenced within days to resolve the matter. Having heard NOTHING in two weeks, I returned, reported the total lack of follow-up to branch mgr XXXX XXXX. Re-started the process, with XXXX XXXX and me spending over 2 hours confirming with my XXXX XXXX representative that the check had never been received by XXXX. XXXX XXXX confirmed the AWOL cashier 's check had not been cashed. But instead of issuing a Stop Payment on that check and issuing me a replacement check, XXXX XXXX stated CitiBank had to wait 60+ days to ensure that the AWOL cashiers check was not deposited. Under the circumstances, XXXX XXXX said he would try to get my money re-funded the following week and promised to keep me posted. After 3 weeks of silence, I called XXXX XXXX again, learning that he was no longer with CitiBank. Apparently, he had left NO notes on the 3+ hours of my time spent in trying to resolve the matter. Not ONE of the Personal Bankers, including the Branch Manager, knew where my {$50000.00} was or when/how I could/would get it back. I was sluffed off to another officer to re-start the process de novo. Unwilling to start all over after CitiBank 's repeated lapses and failures, I sent a detailed Certified Letter ( attached ) to XXXX XXXX XXXX, CitiBank 's Chief Legal Officer, who in turn sluffed off my complaint to XXXX XXXX, client liaison, who emailed a form letter ( attached ) stating, among other things, " please be assured that your communication is important to us and will receive a deliberate and thorough review ''. On XX/XX/XXXX I returned the call as requested in the email and had to leave a message on XXXX XXXX 's Voice Mail. I have had NO written or verbal response whatsoever in these 3 weeks.
CitiBank does NOT provide its bankers adequate information on handling AWOL cashiers ' checks and does not require Officers to document issues or respond to customers. 90 days after initially reporting the AWOL cashiers ' check, I STILL have NO IDEA OF WHEN OR HOW I WILL EVER GET MY {$50000.00} BACK. This is beyond incompetence on CitiBank 's part ... ... ... .it is plain and simple consumer fraud
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (NC)

From XX/XX/2021 to XX/XX/2021, I communicated via emails for XXXX XXXX XXXX a debt collector and who is unknown to me to cease and desist its attempts to collect an alleged debt from this consumer. Unsure of how the company obtained the email address, I repeatedly responded to Sequium to cease its efforts. It did not. Sequium has violated my consumer protection rights through its conduct. 
I have given no prior consent for Sequium to contact me nor use my personally identifiable information. Sequium can not state that a consumer owes any debt. It did. Sequium can not use any medium to obtain a consumer 's location information. It did. By using the email address, consumer believes Sequium has committed identity theft. Sequium violated the consumer 's right to privacy.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC (NY)

On XX/XX/2024 I got 4 emails from New York Community Bank about a new checking account that I did not open : one welcoming me to the bank ; one offering disclosures ; one telling me I could order checks ; and then one telling me the email address was changed on the account. The email it was changed to was XXXX. I called the bank and spoke with a woman in the call center within 20 minutes of receiving the emails. The next day, XXXX from the security office called me back. He told me an account had been created using my name, address, SSN, DOB, and another phone number that is not mine. He said the account would be closed. He would not provide written confirmation. I have since received at least 6 other emails reminding me to finish my online bank account setup. As of XX/XX/2024, I have made 5 phone calls and 1 email and one letter mailed to the bank with no response and no confirmation of account closure and the requested actions taken.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how XXXX has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the XXXX  2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago.
I then went to the Experian website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the Experian website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX XXXX  that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AR)

I made a mobile deposit of {$3500.00} into my Chase bank account on XX/XX/19. I received a message informing me that a 7 business day hold would be placed on the item due to information indicating the item may not be paid. 

I know that this is a violation of Reg CC. In order to place an exception hold on an item, the bank must have specific reason to doubt collectability. They did not contact my bank to verify funds. If they had, they would have been informed that the funds were available. I have no negative history with Chase ( returned deposits, NSF 's, etc. ) The check was made payable only to me and I endorsed the check properly. 

There was no legitimate reason to doubt collectability on this item. The hold was placed on my deposit arbitrarily, which is a violation of Reg CC. 

I contacted Chase yesterday to request the hold be removed. The customer service representative that I spoke to told me the hold could not be removed until the item posted, so I would have to call back the next day. But she told me she would put a note on the account that the funds should be released based on " my file ''. I called back the next day and got a different CSR. This individual acknowledged the note on the account stating the funds could be released, however she refused to do so. She said she needed to see if the funds had cleared first. She put me on hold, came back and said they had not cleared. She then said she would contact my bank to verify collectability ( proving that this had not been done prior to the hold being placed ). The bank verified the funds. Finally, she agreed to release the hold. 

The funds are now available to me. However, the fact that this hold was placed on my deposit basically automatically with no due diligence on the financial institution 's part, I believe this is a systemic issue and that other customer 's are being taken advantage of without realizing the bank is violating regulation. I believe this institution needs to be investigated for habitual violations.
Consumer complaint received 2017-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I have a Wells Fargo mortgage. I sold my property and escrow closed on XXXX XXXX, XXXX. I was using the Wells Fargo XXXX system to pay the monthly mortgage. Wells Fargo sent an XXXX to my account on XXXX XXXX, XXXX which was due on XXXX. 

Since the system is XXXX, I am expecting that the system works properly and that, when the escrow closed, the XXXX that was sent XXXX would have been marked as either paid or rescinded since the escrow closed XXXX. Instead, Wells Fargo withdrew {$2000.00} from my account on XXXX. 

When I spoke with Wells Fargo, they told me that it 's my responsibility to turn off XXXX  after the close of escrow and that, in fact, if I never turn off the XXXX, Wells Fargo will continue withdrawing {$2000.00} from my account every month. 

That is insane! When you sign up for XXXX, you are relying on the companies and computers to take care of all the details. That 's why you sign up for such a thing. And I certainly would never expect that a company would continue sending invalid bills after the close of escrow and stealing my money. I would n't be surprised if Wells Fargo does this on thousands of accounts across the country. 

I would be very grateful if CFPB would investigate this situation and have Wells Fargo fix their XXXX and mortgage systems. 

Thank you. 

XXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i have written to XXXX XXXX XXXX many times and they are stating that what they are reporting to bureaus is incorrect i even have received letters from them, but when i fax or upload or even mail the same document to experian, they do not update their end. XXXX and XXXX have already updated through their end but experian has not and does not. therefore i decided to make a complaint to you in order to get results, please have this issue resolved, i would greatly appreciated. thank you
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Dear Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. 

I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. 

Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, XXXX XXXX