davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

Greetings Sir or Madam, I am writing about a student loan that I paid off in 2013, but is still appearing on my credit report. 

When I went to the XXXX XXXX of New York, I took out loans with Sallie Mae/Navient. After leaving school I consolidated those loans and made a bulk payment of XXXX from my XXXX account on XX/XX/2013 ( It shows up as XXXX Student loan payment '' ). When I made this payment I did receive confirmation that my student loan debt was paid off as well. 

I have not received phone calls about account issues and my phone number has never changed. 

My credit report shows all of the Sallie Mae/Navient accounts as closed, but there is only one balance as still unpaid and the account name is " U.S. DEPARTMENT OF EDUCATION ''. 

Recently I had {$7000.00} taken from my federal tax returns by the IRS/Dept of Ed ( which has never happened before ) I assume? I am currently trying to find information, but it is very difficult to get in touch with the Department of Ed, as well as Sallie Mae/Navient.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Chase continues to report to my credit report with all three major credit reporting agencies a credit card that began to go delinquent in XXXX 2008 ; this card is reporting with a negative payment status and is clearly past the 7 year reporting rule established by the Fair Credit Reporting Act ; I have disputed this account both with the credit reporting agencies and with Chase directly but Chase continues to report this account in error ; this reporting is damaging my credit and causing me harm.
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I have The Gap store credit card which is handled by Barclays Bank. I made a late payment for the full balance on XXXX XXXX, but for some reason, the payment did not go through. I assumed it had been processed and did not check and on XX/XX/XXXX, I got a statement from Barclays saying that I was late. So I tried to pay the balance in full online, but Barclays said that since the previous payment did not go through, I needed to furnish another bank account, which I don't have. So I called Barclays Bank and gave them my bank account information again around XX/XX/XXXX, but they have still not processed my payment since the balance amount has not been deducted from my bank account. 

I am filing this complaint because Barclays Bank and The Gap seem to prefer charging interest on my balance and damaging my credit instead of accepting my payment in full. Unless action is not taken soon, I can see that they will send me another statement around XX/XX/XXXX charging me more interest and telling me that I am late in making a payment. This is why I am writing to you to take care of this situation : I want Barclays to take my full payment for my balance instead of playing usury games with me.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX, XXXX I sent a letter to Transunion requesting an investigation into the derogatory items on my personal credit report. On XX/XX/XXXX I received a letter from Transunion dated XX/XX/2022 stating they did not believe the letter was from me and came from a third party!! They are not investigating. How dare they assume that I am unable to look up this information to assist me in writing a proper letter! Also if I was working with someone else for assistance how is that their business?? This is ridiculous and insulting.
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I pulled my credit reports from all 3 bureaus and I have a collection account from Commonwealth Financial Systems that I do not believe is mine. I disputed it with the credit bureau and they removed it from my account because it is unverified. I sent a debt validation letter via certified mail on XX/XX/XXXX to Commonwealth Financial Services to request documentation that this is my debt and they responded on XX/XX/XXXX saying that I need to notify them that I am disputing the debt within 30 days. They failed to validate my debt on my first request. It has been longer than 30 days. I am mailing a second letter via certified mail requesting debt validation on XX/XX/XXXX.
Consumer complaint received 2016-12-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (AZ)

Seline Financial was requesting increasing escrow funds due to increased taxes, and insurance, they were asking for a full escrow funds to be double as it was last year in order to maintain the same amount of our monthly payment. XXXX sent them the escrow funds but they still increase the monthly payment from {$1600.00} to {$1700.00}. They put the escrow funds we sent in to a suspense account, do n't know the reason for and on top of that they asking for flood insurance which we already paid for in full until XX/XX/2017. 
I called them several times, always excuses that they will review the account and call me back, as of today they have not contacted me. My XX/XX/XXXX payment is due XX/XX/XXXX and still showing the new increase amount. 
Attached is the escrow paid funds, new requested payments, and an statement on this account. 
Thank you for helping me. 
HF.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (NH)

I have requested a final statement from CPS and XXXX XXXX. No one will send me my statement from XX/XX/2020 and the price the vehicle was bought from auction. I believe the amount owed is incorrect and want to check the validity of the amount owed prior to making a payment.
Consumer complaint received 2015-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have asked that Equifax update my file through XX/XX/XXXX they have { no payment } information from XX/XX/XXXX-XX/XX/XXXX which they stopped I want all payment info from XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I had a XXXX in XXXX 2015 while living in XXXX XXXX, XXXX in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. One, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, XXXX. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I filed chapter XXXX bankruptcy which is suppose to include all of my debts and stop any collection activities. Equifax is showing XXXX medical accounts which should be included in my bankruptcy discharge and not be separately reported on my credit report. This is reporting the debt twice because it any collection activity should have been removed. XXXX agreed with me and removed all XXXX collections. I believe the deragortory remarks should be removed or they should assist me in working to pay off the debt and agree to remove the negative cillections from my report. The bankruptcy should be the only deragatory remark on my report.
Consumer complaint received 2016-02-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My mortgage was transferred to LoanCare, LLC on XXXX XXXX, 2016. I 've called 8 times to only wait over 40 minutes without being answered and there is no email contact to ask questions. I have NOT received any correspondence in the mail to set up my account or to know when my next payment is. Last time my mortgage was transferred I received account information the next day after the transfer. From other complaints and ratings about this company I 'm afraid of being scammed and having my credit ruined by such an unprofessional company.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Fraudulent activity occurred in my Bank of America account on XXXX XXXX, 2015. I called the bank immediately after I received a text alert from them. I told them that the money in question was not mine. I told them that I only had about {$21.00} and had neither deposited XXXX dollars nor had I withdrawn {$300.00}. Everything seemed to have been taken care of but on XXXX XXXX BOA took my {$20.00} and caused me an overdraft of {$270.00} XXXX by reversing the XXXX temporary ) {$300.00} credit from my account ). I did not give my pin to whoever accessed my account. I am a struggling student and I need my $ XXXX that they have taken.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Since the courts do not report bankruptcy to the three ( 3 ) credit bureaus, they acted on their own. I previously requested A Method Of Verification of this account that they deemed as verified. Who was the person in whom they spoken with, and for any documentation to support theory. Including dates and times, Also in addition, In accordance with the FCRA, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account should be removed immediately ; ( 1 ) US Bankruptcy, 15 USC 1681 Section 602 ( e ). states I have a right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ). Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm demanding that the accounts above be removed and deleted immediately.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystems stated in my previous compliant # XXXX to the CFPB that according to FCRA they do not need to inform the consumer of reporting.This statement from the chexsystems is false. According to 15 U.S. code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer never gave XXXX or Chexsystems any written instructions to report. 
Also chexsystems stated I have unsign police report! That is false I have uploaded multiple times a signed copy of my police report showing I was a victim of fraud.Also reporting an account without my permission is also a form of identity theft known as fraud. 
Also XXXX has violated 15 u.s code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
Chexsystem is third party that is no way affiliated with XXXX! So why do chexsystems have my nonpublic information without my permission and knowledge.I the consumer never received any notice of this reporting. 
Also has stated 15 U.S code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; XXXX never CLEARLY stated to I the consumer that my nonpublic information was going to be shared with chexsystems. 
* Attach to this compliant will be a copy of my police report from local police, Chexsystems response of false statements.A letter from XXXX lieing saying I have an account thats actively XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Re : XXXX XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, XXXX would have notified me and I have no records of them doing that.
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (MD)

Receivables Performance Management LLC ( RPM ) has been relentlessly harassing me for months in regards to a debt of {$3700.00}. The creditor is XXXX and RPM is contacting me on XXXX 's behalf to retrieve this amount. I have received repeated letters claiming I must pay this debt. OnXX/XX/XXXX, they mailed another letter claiming XXXX is even willing to " remove my collections '' if I pay 60 % of the total debt ( {$2200.00} ) before a certain date. OnXX/XX/XXXX, I received a pink letter from RPM with an ominous title " You failed to respond. '' This comes to me at a surprise and severe annoyance because I have never once in my life been a customer of XXXX before. I even called XXXX to verify this and they affirmed that I have never opened an account with them. I am not sure how Receivables Performance Management got hold of my address and information and decided to take it upon themselves to harass me for money I do not owe, on behalf of a company who I'm not serviced at.
Consumer complaint received 2018-03-17
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: Receivables Management Partners, LLC (WI)

I have disputed this company 3 times with the credit bureau and filed a previous report with your agency. This company had listed these 5 accounts as included in bankruptcy which is ruining my credit. These debts were actually included in a WI ch XXXX amortization of debts and the debt is almost paid in full. In my previous dispute with your agency the company responded that this XXXX plan was a WI bankruptcy alternative rather than a bankruptcy and the trade line would be removed from my and my husbands credit. It has been a few months and the debts are still showing as bankruptcy causing our credit scores to remain low.
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I pulled my credit reports from all 3 bureaus in XX/XX/. I noticed on one of my reports that there is a collection from Transworld Systems. I do not know what this debt is for or pertaining to and do not believe it is mine. I sent them a debt validation letter requesting documentation proving that this debt is mine on XX/XX/ via certified mail. I have not received any communication from them. I have disputed it with the credit bureau but it is still actively being reported.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/year>, I applied online for Chase Freedom Unlimited credit card issued by Chase bank, application reference number XXXX. My application went pending and I received an automated email stating that the bank needs a copy of my government issued ID showing my date of birth and current address. I promptly submitted a copy of my state issued ID proving such information. I called the bank to check if they received my uploaded documents and the bank confirmed that they received them and provided me with my application reference number and a phone number to call to speak with the team that processes applications. I called the number provided and spoke to a customer service representative that confirmed again that they received my uploaded documents and put me on hold, then came back and said something to the effect of " The bank doesn't like what you submitted '' and I need to visit a Chase branch to meet with a banker in person and provide them with the same information. I told the agent on the phone that I uploaded a copy of state issued ID which has my date of birth and current address, and that information matches the information on my application and credit reports which the bank pulled ( the bank pulled both XXXX and XXXX ). The agent didn't provide any further explanation and recommended that I go online to check the nearest branch and speak to a banker. I suggested providing other documents to confirm the information like another photo ID or bill but the agent wasn't interested.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX- Account number- XXXX