davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Navient has been billing me for a school I did not attend, XXXX XXXX XXXX XXXX. The disbursement dates they are claiming are on XX/XX/XXXX for {$2800.00} and XX/XX/XXXX for {$2900.00}. I attended XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX and requested my attached transcripts. Navient sent me a letter say " My loans were disbursed to this school which is false. I sent them the same attached letter to no avail. Their paper says Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX XXXX. 

Thank you.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IN)

I previously have had an account with PNC Bank they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud they never once advised me it was closed for fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. They told me that the account was closed for a charged off balance. I am not disputing that I owe the bank but them saying its fraud when they did not once notify me of this and they are unwilling to correct this is an issue
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXXccount # 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 2022-04-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I leased a XXXX XXXX with Chase Auto . 

Before the lease ended I applied for a loan to purchase the lease. 

The loan was granted and the XXXX dealership who handled this transaction mailed a check to Chase Auto to pay off the Lease.

The check was cashed by Chase Auto but they applied the check to the new loan that was a few days old and NOT to the lease payment.

The result is that I have been making payments against the loan, but the lease is now overdue because Chase never allocated the payment.

I have tried for 6 weeks to resolve and Chase Auto can not resolve my account to show correctly.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

CitiBank notified me on XX/XX/2022, that my account would be closed and that within 60 days they would refund my money. As of today, XX/XX/2022, I have not received my funds, which means that the {$2000.00} that I transferred from XXXX Bank XXXX XXXX XXXX account to CitiBank does not earn interest. I request the immediate return of my {$2000.00} funds.
Consumer complaint received 2022-04-22
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. (MS)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX Company # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXXXXXX # XXXX has violated my rights XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated my rights XXXX  # 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 2022-04-22
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: EQUIFAX, INC. (AL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I received a notification from US Bank telling me that there was an address change on my business account and to call them immediately if I did not request an address change. However, when I called US Bank, the customer service representative told me that they had closed my account. She told me that usually they would send a notification, but I never received any notification of them closing down my account.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I opened this claim XXXX agains TD BANK. They sent me a letter saying that the charge back request is under review, they credited my checking account with the disputed amount, and a few weeks ago the bank revoked that credit without any letter or comunication telling what is going on with the dispute. 
The merchant never sent the items to my address...
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I am a XXXX XXXX and we usually get paid early when there is a Federal Holiday that occurs right before our regular pay date. In this case that did not happen. I received a {$34.00} dollar overdraft charge from JP Morgan Chase for a {$7.00} transaction. The funds were in my account the next day. So they loaned me XXXX for 24 hours and charged {$34.00} ... ..What is that 1,500 % interest! I asked the bank to waive the charge and they said their was nothing they could do ... .. I have had an account at Chase for XXXX plus years!!!!
Consumer complaint received 2017-04-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC. (CA)

I took out an advanced payday loan in the amount of {$500.00} while struggling through college in "  XXXX   XXXX  ''. At the time I was working part time in between classes and was soon getting ready to graduate in  XXXX   XXXX . I anticipated paying the loan back a fter two  weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements.     Fast forward to  XXXX   XXXX  -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me.     I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to them.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Chime Bank told me my account was being closed on XX/XX/2022. They then emailed me again on XX/XX/2022 stating my account would be closed on XX/XX/2022. I immediately called them to ask why. The representative from Chime told me to disregard all emails and that it was a system generated email. She also said my account wouldnt be closed as she couldnt figure out why I received the emails. She said she also noted in my account to fix it so I didnt receive the emails anymore. My account was closed on XX/XX/2022 a day earlier than the email said. I still havent been told why and I had over {$580.00} in that checking account. They arent sending me any of that money back. So Im filing a complaint.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Account : '' XXXX XXXX XXXX  '' Closed, reporting open.. 
Not only that they violated my consumer rights act ( 15 usc 1692e ) My whole life has been afflicted by this.
Consumer complaint received 2021-09-07
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. (LA)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I was contacted on XX/XX/2022 by the Citibank fraud department about an unauthorized transaction of {$40000.00} which occurred on XX/XX/2022. ( Citi Fraud case # XXXX ). I confirmed it was in fact an unauthorized transaction. I was informed that an investigation had begun. I filed a police report and confirmed with my bank that the compromised account was blocked as a precaution. I promptly handled my compromised account on XX/XX/2022 at my local branch. I was instructed to submit a notarized affidavit stating that I wasnt aware of and did not initiate any of the transactions either internal or the external wire, which, with the help of my local branch manager, I submitted on XX/XX/2022 ( affidavit attached ). I have also filed a police report, a copy of which is attached to this email. 

Today, XX/XX/2022, is the 14th business day since I was informed of the fraud and that an investigation was underway.

Per Reg E -11, the 10 day investigation period has expired.

Per Reg E- 11, " The institution shall report the results to the consumer within three business days after completing its investigation. '' Today is the fourth business day following the 10 day investigation period. 

I have requested the bank to provide me the results of the investigation by the end of business yesterday. - NOT RECEIVED I have also requested the bank as provided by Reg E- 11, along with the written explanation of Citibank 's findings, to please provide all documents that Citibank relied on in making its determination. - NOT RECEIVED Please return the {$40000.00} to my account by the end of business yesterday. - NOT RECEIVED If the investigation has not finished and Citibank has met the requirements to extend to the allowed 45-day investigation period, my account should be provisionally credited by close of business today, as provided by Reg E-11. I understand that Citibank may withhold a maximum of {$50.00} from the amount credited. NOT RECEIVED Not only has Citibank done any of the above, they have not responded to any of my emails with any substantive information. 

I have written to the CEO as well but nothing has come out of that interaction yet.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I was seen at XXXX XXXX in XXXX Kentucky in 2017. I provided them with my insurance card when seen and then I called them to provide the information. I assumed it was taken care of because I never received anything stating it wasn't until it showed up on my credit report. They obviously never corrected my account as having insurance and the insurance was never billed. They stuck me with the bill on my credit report.
Consumer complaint received 2021-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

In XXXX of XXXXI entered a consumer transaction with XXXX of XXXX XXXX in XXXX. 
Exeter Finance is in violation of 15 USC 1605. The finance charge is the sum of all charges however I was charged additional fees totaling XXXX. All alleged debt is confusing, deceptive and and misleading.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is admitting that they screwed up. XXXX has been updated and my credit score has been repaired. XXXX is still showing errors. Should be receiving paperwork from Wells Fargo on XXXX/XXXX/2015
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been trying to get this account off of my EQUIFAX credit report as it was removed from my XXXX  report. The account is fraudulent and is on my report unlawfully by the third party creditor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received any documentation from this company to this date stating that there's a debt owed to them. The account listed above is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-04-20
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. (KS)

Hello, CFPB. I am writing because I am looking for the best way to solve this issue. 
Experian is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1.  XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. Balance {$1600.00}. Limit {$1300.00}. 
2. XXXX  XXXX XXXX. Opened XX/XX/XXXX. 
Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. 

Please send the attache letter to Experian. Thank you.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc. (CA)

Continuous calls every day asking for someone who does not live here. Finally told them yesterday that I am so done with their calling. Stop calling and take this number off their list. No one here by that name. 

What I think they are doing is checking who ever this is they are looking for on some type of info sheet and calling so called relatives which is harrasement. They need to stop.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX     XXXX  Days Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2022-10-16
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. (FL)

Equifax is showing a balance of {$350.00} reporting to my credit report it should be {$190.00} with 3 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.
Consumer complaint received 2021-11-26
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)

This account XXXX XXXX XXXXs outdated and being reported incorrectly. The account is outdated and should be removed, Experian is reporting the tradeline as charged out with a negative balance. XXXX and XXXX is reporting this tradeline correctly.