davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (OH)

My XX/XX/XXXX bank statement indicated that XXXX checks had been debited from my account XXXX deposited in XX/XX/XXXX XXXX {$670.00} XXXX and XXXX in XX/XX/XXXX XXXX {$670.00} XXXX. I talked to my bank XXXX 's bank ) and the manger said that the checks were returned to them and they had no choice but to take my money. She said to contact the issuing bank for more information. I talked to the manger at XXXX XXXX the issuing bank ) and he was not able to give me the information why the money was withdrawn or who the gave it to.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (GA)

I am not sure if Nelnet is the federal government or a non- federal student loan. 
Department Of Education/NELNET In XX/XX/XXXX, I took out a parent-plus loan in the amount of {$5000.00} for my son who was attending college. I began paying the loan back in XX/XX/XXXX. I made monthly payment until XX/XX/XXXX and several payments in XXXX. My remaining balance was {$2400.00}. I applied for Total and Permanent XXXX discharge through Nelnet and was approved to be XXXX from the loan. In XXXX I begin receiving letters from them stating that because I did not following the instruction of the 3 year monitoring period the loan was reinstated. When I checked my credit report Nelnet added a loan from XX/XX/XXXX that I did not take out and I have no knowledge of this additional loan. I have never been to college and never applied for any additional student loans. I have wrote them several times asking them to remove this loan. I informed them that I did not take out this loan from XX/XX/XXXX. I also informed them that I had only taken out one loan and it was a parent-plus loan in XX/XX/XXXX, and my balance was {$2400.00}. I informed Nelnet to please correct this because they are sending me statements that I have two separate loans totaling over {$5000.00}. Also they have put this on my credit report. Nelnet has not remove this from my credit report and has not address my problem. Also I have applied for Total and permanent XXXX again because I am on social security because I am XXXX and I have sent them all the documentation but have not heard from them.
Consumer complaint received 2022-04-15
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. (LA)

15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I paid off a balance in XXXX, but because I had n't paid off the previous month 's balance I was charged {$13.00} in interest. I would have paid that - if I 'd known about it, but I never got a bill. I did n't get a bill in XXXX either, when they had XXXX the interest and slapped on a fee. I did n't know about the ever increasing fee until I got a call yesterday about my late payment and went online to see it was up to over {$50.00}. I was shocked. I called the call center and I tried to explain that I never got a bill. She tried to say they were sent electronically - nope, I signed up yesterday when I logged in. Then she said that they were mailed and asked if I moved. Nope - not that either. She did n't bother to validate my address just said it must be a post office issue. She knocked all but {$15.00} off but I explainted that I thought for sure this happend to me once before with them, so there is a pattern. I get all of my other bills, not sure why theirs are a problem.
Consumer complaint received 2017-03-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

We received info from you that Ditech send a letter stating they had sent repayment papers to use on XX/XX/XXXX.Wr have not gotten any paperwork from DITECH for payment schedule or and letter from legal Dept and the rep from. XXXX XXXX re they playing a game.Theu will not take payment or the reps have no knowledge of payment plan What do we do for the company to let us keep our house and make payment. Thank you.Who else can I call Thank you
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (MD)

I have asked Trident Asset Mngmt to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX XXXX. I filed Ch.XXXX bankruptcy in XX/XX/XXXX. After careful thought weighing out the pros and cons with filing bankruptcy, I decided not to continue with it so, my bankruptcy was dismissed. I called in with my creditors to make sure they received the dismissal ans the verified they did. When I went to use my Chase credit card it was declined. I was confused because I NEVER was behind in payments with them and have always paid over the minimum charge. I called XX/XX/XXXX and spoke with a Chase representative in the executive department by the name of XXXX ID # : XXXX. 
I asked him why my account was closed and he replied that it was due to the bankruptcy I had filed. I reminded him that my bankruptcy was dismissed but he kept speaking over me stating my account was closed because of the bankruptcy and that Chase will not " risk losing money with me ''. I asked him why if I never was behind plus, during the bankruptcy I kept sending payments of {$600.00} XX/XX/XXXX -XX/XX/XXXX and they kept collecting the payments ; how am I a " risk '' to Chase? He stated that Chase kept collecting because I have a balance with them. Then I asked, if was such a " risk '' because of a bankruptcy, then why did they keep collecting while I was protected under the " Automatic Stay ''? He paused for a moment and then belittled me over the phone stating that it was my decision to pay them. He did not answer my question! I asked him again and I stated that legally creditors are not to collect while one is under the " Automatic Stay ''. but he kept responding the same thing in such a condescending tone. I asked him if they can just please re-affirm the account because I wanted to keep doing business with Chase and that I have been loyal by never falling behind. He kept stating that I was a " risk '' to Chase. I do not understand why he would speak to me in such a manner when I simply was asking questions due to my concern of my account being closed. I was wanting to negotiate but I felt like I was being judged over the bankruptcy instead of considered for my faithful history with Chase. He kept saying that I voluntarily paid them, and that they could not return that money to me due to the balance I had. I have no negative history with them. When I decided not go through with the bankruptcy, I called all my creditors right away. When I called Chase and spoke with Chase representatives, I asked them if I was still able to make payments and they said yes, so that is the reason why I continued sending my payments. I still dont understand why they wont reaffirm the loan like my other creditors. I am really upset because they illegally kept taking my payments even though they had closed the account, the bankruptcy was not dismissed, and I was still protected under the automatic stay. I would like my account open again if not, then I want my money back. Attached are my receipts of payments. 
Thank you for attention I hope this issue gets resolved soon.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (CA)

My Chapter XXXX was discharged at the end of XXXX and I have made several attempts to dispute the accuracy of the account with the creditor and all three credit bureaus. The creditor will not update the account to reflect it is no longer an active account. Instead they keep updating my report with " redeemed repo '' as if it's a open account. I am on my 4th round of certified return receipt letters disputing and nothing has changed so far.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MO)

I have been requesting verification of the following account that Experian continues to report on my credit file : Bankruptcy # XXXX Experian listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Friday, XX/XX/2017 I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. 
On Friday, XX/XX/2017, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Experian or mode of verification from XXXX to Experian showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Experian shows as reported on XXXX. 
I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian '' XXXX so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : public record Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Bankruptcy XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX agents assured me that Experian 's XX/XX/2017
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

This complaint serves as follow-up to the refund of my closed savings account balance in the amount of {$5000.00}. The savings account was closed by Chase on XX/XX/2020. While the account was open, I deposited three personal checks on the Chase mobile application to fund my savings account. 
The XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, confirmed that three of my personal checks posted in my checking account and were paid in full to Chase for the savings account, prior to its closure on XX/XX/2020 for check # XXXX for {$2000.00} and check # XXXX for {$2000.00} and on XX/XX/2020 for check # XXXX for {$1000.00}. XXXX advised me on XX/XX/2020 to check-in with Chase immediately for a refund since the funds were already deposited. 
On XX/XX/2020, I was informed by customer service that a cashiers check would be mailed for the full balance of {$5000.00} within 7-10 days from the date of closure to my home address. The 7-10 day window has passed and I have not received a refund of my savings account balance for {$5000.00}. I request that CFPB assist with the recovery of my funds from my closed savings account.
Consumer complaint received 2016-10-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: U.S. BANCORP (WI)

Overview : I have been dealing with debt due to a disagreement between XXXX financial institutions over a credit card balance transfer where neither financial institution is taking responsibility for the amount of the transfer. As such, I am accruing interest from both institutions ' accounts for several months because I 'm unsure which account will be able to reimburse me in the end. 

-- - Details : After I signed up for a credit card through Associated Bank ( AB ), as part of an associated promotion, I opted to have a balance transfer from my Associated Bank Visa credit card account to another financial institution, XXXX, to reduce the balance on my XXXX XXXX XXXX credit card account. 

A balance transfer check for {$6500.00} was sent from AB to XXXX on XX/XX/2016. A week later I noticed the balance was added to my AB account, but it was not removed from my XXXX account. I corresponded with both institutions : XXXX recommends I ask AB for proof about the transfer and fax the proof to them. AB reports that their records that the check was cashed on XX/XX/2016, and they send me a photocopy of the check. I faxed the check to XXXX, and they write back deny having cashed it and claims it was canceled. Speaking with both customer service teams thereafter has led nowhere, where each institution simply recommends I need to speak with the other to seek resolution.
Consumer complaint received 2022-01-04
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (WA)

XX/XX/2020, Contacted JEFFERSON CAPITAL SYSTEMS, and was repeatedly referred to XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Fax XXXX XX/XX/XXXX, payment clear the bank account to XXXX XX/XX/XXXXXXXX XXXX XX/XX/2020 received email from XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX with attached letter stating : CURRENT CREDITOR : JEFFERSON CAPITAL SYSTEMS REFERENCE # : XXXX ORIGINAL ACCOUNT # XXXX This letter will confirm that the above referenced account has been satisfied in full. Should you have any questions, please feel free to contact my office. 
Thank you, XXXX XXXX XXXX XX/XX/2020 made repeated phone calls to Jefferson capital systems which kept referring me to XXXX and XXXX. 

XX/XX/2020 and XX/XX/2020 received the results of two different disputes via XX/XX/XXXX with which I even uploaded proof and explanation as to how the account was paid off, and the company says I still owe the money and it has been unpaid every month. XXXX XX/XX/XXXX XXXX has repeatedly told me via customer support via being directed there by Jefferson capital systems, " my credit report status will be changed to paid for the collection '', and " XXXX balance should be shown ''. 

I have been unable to get a personal response from Jefferson capital systems and the only company that reached out after contacting multiple times was XXXX XX/XX/XXXX XXXX and that was to assure me the other company would update my credit report appropriately. 

This was a court ordered debt my ex-wife was awarded in a divorce ( she got the debt in my name while I was XXXX on a submarine with no contact and she had no power of attorney ). I have a notarized letter from her stating she took full responsibility for debt. I paid to get it off my record and suing her in small claims court for not taking care of it. I can provide additional proof of that as well. 

I took screenshots of the email from XXXXXX/XX/XXXX XXXX and attached, let me know if I need to provide the actual email.
Consumer complaint received 2020-04-20
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: General Motors Financial Company, Inc. (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.
Consumer complaint received 2022-10-10
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. (TN)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime 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 inaccurate. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

An initial application was taken out with Bank of America for a residential home mortgage was taken out on XX/XX/20. The original closing date was on XX/XX/20. The closing date was moved to XX/XX/20 with approval from Bank of America. Bank of America was supplied with all financial and title documents well in advised of the XX/XX/20 closing date. Bank of America was not able to provide the final proper Closing Disclosure documents until AFTER the moving date of XX/XX/20. I ( and my real estate attorney ) were unable to reach ANY Bank of America representative by phone or email to obtain an update in obtaining the proper final Closing Disclosure timely. It is my Complaint that Bank of America failed to adhere to TRID Guidelines in providing me with the prior Final Disclosure documents at least three business days prior to my closing causing agravation on my part and the seller, additional costs and fees that were incurred. While I understand recognize the environment of the Covid-19 epidemic, the fact that Bank of America was unreachable is inexcusable, nprofessional and bad business practices.
Consumer complaint received 2016-11-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This home equity mortgage was paid off in XX/XX/2016. XXXX is still reporting this as active on my credit report and to date still has not sent me the cancelled mortgage despite charging me {$160.00} to do so.