davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 l deposited a check into my savings account at a Chase bank the amount was for {$6600.00} it was a settlement of a lawsuit the check was held until XX/XX/2022, the bank admitted to me yesterday they have the funds but my account remains restricted, l 'm supposed to get my pay which is direct deposited in my savings account and my social security check which goes into my checking account but the bank won't let me access my account my pay and my social security money have nothing to do with the lawsuit check, this situation is causing me great hardship, can you help me access my funds?
Consumer complaint received 2016-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I am filing this complaint against Navient about some very troubling concerns regarding some business practice at their establishment. I have some federal and a private loan with the company. My loans were recently transferred over from XXXX XXXX. Since the transfer, I start receiving statements in the mail for both loans. I step up payments for the loans from my us bank account. I set up the XXXX loan payment for account XXXX for {$220.00}. The minimum due amount was XXXX. I set up XXXX loan payment for account XXXX for amount of {$120.00}. The minimum amount due was XXXX. However, that is not how their system applied the funds. When the first payment was received with specific amount of {$220.00} for account [ XXXX ], the system automatic applied XXXX to federal loan and applied amount of {$65.00} to private loan [ XXXX ]. When the second payment was received, it applied the entire amount of {$120.00} to private loan [ XXXX ] which at the time did n't have a balance due. It appears the system is design to automatic to apply funds however it best fit to benefit Navient and not the customer. It appears the system is programmed to always accumulate late fees and interest on fees for client to benefit Naveint. At this rate, it will take longer to pay off loans in which the loan amount continues to grow. I think this practice is very questionable and it appears to be illegal.
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a complaint against Capital One. I am a current credit card customer and previously had an auto loan through them. They sent me an offer to refinance my current auto loan through them without it impacting my credit. I was approved and even signed a letter of attorney to have them get the lien. They are now calling me multiple times. When I call back it goes to an automated message saying I am approved. I have to go to another automated message to speak to customer service and they say they need one of my bank account information. I have given them all of the information in the documents and I can not get through to a supervisor. I have called three times. I want this loan canceled and the hard inquiry off my credit report. I am considering canceling my capital one credit cards because I do not trust them with my information at this point.
Consumer complaint received 2022-02-28
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. (NY)

XXXX XXXX is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of XXXX XXXX. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX XXXX XXXX I am now struggling to get a loan for a vehicle of my own that I can afford to drive. XXXX XXXX is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several closed XXXX XXXX accounts on my report.as for as I know I never changed cards unless I was sent a new one.there is also open accounts and balances on XXXX cards.XXXX and XXXX the charges are not mine! XXXX last error on the collections {$54.00} charge and a charge from XXXX I have never had a card with more then a {$1000.00} limit, My car payment payment was never late I defer XXXX payments when I was ill.And I have never had a XXXX account.Please fix theses errors.I don`t check my credit reports but I will from here on in Thank you in advance, XXXX XXXX p.s I also was red flagged for ID theft in XX/XX/XXXXand XX/XX/XXXX someone put a false income return in they received {$7000.00} in XX/XX/XXXX but nothing in XX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

First, none of the categories on the previous screens did not describe my issue. I have an account with Experian and I have noticed a pattern. XXXX month I will get an increase in my score by XXXX to XXXX points. Then I'll get a decrease by the same amount of points. Then in the next month or so, my score decrease by XXXX points. I recently received a message which read " Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. '' I checked my credit report and there was no fraudulent activity. I did not make any transactions and my current payments are up to date. I don't understand the major decrease in my score. Their message above states that my " credit worthiness '' should not be impacted. When there is a credit check done, merchants can only measure my " credit worthiness '' by my score.
Consumer complaint received 2020-10-19
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: Santander Consumer USA Holdings Inc. (CA)

Item 1 : XXXX XXXX XXXX  XXXX XXXX, Credit Card, XXXX Item 2 :  XXXX XXXX  XXXX, Credit Card, XXXX Item 3 : CHRYSLER   CAPITAL, Auto Loan, XXXX Item 4 : XXXX XXXX, Lease, XXXX Item 5 : XXXX XXXX XXXX, XXXX XXXX XXXX  Once again I'm notifying you regarding the Fraud/ Inccorect reported information on my credit report. A re-investigation is required as of my Rights Under 15 USC Section 1681n 1681, which requires your compliance with the law. 
Suportive documentation regarding the inaccurate accounts on my credit report will be attached to this statement. As this issue has become extremely frustrating, seeing these negative remarks on my credit report has prompted additional legal guidance on my behalf. It would be greatly appreciated if this were attended to immediately. Any information on the credit report which is not 100 % accurate and verified must be deleted. I am requesting that these items be DELETED at your earliest convenience. As such remarks diminish my authentic credit history on the attached report.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I used my Bank of America debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with BoA and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Bank of America for over {$600.00}. I never received any communication from BoA that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NV)

I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than XXXX time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX XXXX XXXX - ****************XXXX - XXXX OF XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BB&T CORPORATION (MD)

I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2017-05-01
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. (NY)

I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is pa st the seven yea rs that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (CA)

For your info I just recently put in a complaint for Mid West Recovery known as a  scam Thos company know reported a collection account to my XXXX i dont see how that is legal because under Fair Credit Reporting Act never did i receive any debt validation letter or phone call from the # on my report so they violated therefore this debt is not validated by consumer and 30 dy is long expired Back inXX/XX/XXXX it was reported as an open account on XXXX and XXXX so XXXX should of been at same time reported that was suspicious After fighting to have this removed which XXXX did right away and i put a dispute with XXXX Know asking for this company to get tbis removed deleted Over a year know i been working on repairing credit and avoiding negative accounts Mid west recovery is in violation code 809 a for not sending debt validation letter first and before reporting to the bureaus a 30 day timeframe consumer was never given in order to respond
Consumer complaint received 2016-01-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc. (WA)

I 've been getting repeated attempts to contact me on my business line ( from an automated dialer ). I 've called back twice, once I left a message and a second time I talked to a live person that verified the debt is not mine. Still they contact my number looking for someone I do n't know. The calls started on XXXX and have gotten a call on these days since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I spoke to them on XXXX and it has n't stopped.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have been put in deferment or forebearance several times since starting my loan. I have been told over and over by Navient customer service that it is a better way to go while waiting for my bankruptcy to discharge the loans and now I have a bigger amount of interest to pay as its acrued and the discharges have not been done. 
Below you will see the bankruptcy discharge as well as the original amount did the loans and all the interest added over the years.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc. (CA)

I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a senior citizen living in the state of Florida and on or about XX/XX/2023 the Bank of America stole {$1500.00} from my checking account. I have called them no fewer then XXXX times and the customer service representative always tells me they will look into and someone will call me back. Then of course no one ever calls me back and again I have been trying to recover my money for XXXX plus months. Please help me get my {$1500.00} back as I am on a small income and need this money returned.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I am a victim of Identity Theft. As a result, a phone bill was manufactured in my name. I went down to my local police department and filed a police report with the direction of XXXX. The collection account placed on my credit from XXXX XXXX in this regard was deleted. 

That said, Enhanced Recovery collection agency has placed the them account on behalf of XXXX on my credit. I have never received a notice from them they just placed the account on my credit- if they would have contacted me the would have known this is a fraudulent account.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2015-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc. (CA)

I did a credit check and I have paid every debt on my report etc, but I discovered XXXX derogatory comment. The deragory comment was for {$120.00} that was sent to collections by CBAASSOCIATES on behalf of XXXX XXXX XXXX XXXX. ( The derogatory report is attached ). 

I do not know what this debt is about my XXXX is in XXXX XXXX. 

I do n't know what this Judgment is and I am not aware of anything validating this debt. 

To resolve this without CFPB involvement II sent an e-mail to CBAASSOCIATES on XXXX XXXX, 2015 to determine what this was regarding. In the e-mail I stated I would file this report if I did not hear by Friday XXXX XXXX, 2015. 

The XXXX XXXX, 2015 e-mail is attached. 

Conclusion : I have XXXX negative mark on my otherwise spotless credit as a result of this alleged {$120.00} debt that I do not know anything about. 

If it is a legitimate debt I will pay the {$120.00}, but I do n't like that this Credit Collection Company can avoid due process and put this on my account.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-06
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. (VA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account : XXXX
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

This is in response to complaint XXXX recently submitted. It is our understanding that Bank of America wants another 60 days to review and answer the complaint. We are just going around in circles without BOA answering and doing something about the original complaint XXXX. Nothing will change. They have done this in the past of wasting time with no results. We ( my wife and I ) do not want to work with BOA and instead are asking The Bureau of Consumer Financial Protection agency to step in and research this case. Like I stated before in the previous complaint, we are going to seek legal advise and another direction away from BOA. We do not want to do business with them again. How can I make it any clearer than that. BOA does not work with it 's clients in these particular cases. Consumer Financial Protection has all our documents and we hope to call them quickly to see where we can go from here. The CFP should be doing an investigation rather than giving more time to BOA because this will continue to happen. So far I 'm disappointed with the help of our government.
Consumer complaint received 2022-02-14
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)

On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. 

Account XXXX : XXXX XXXX Account # : XXXX
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem