davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. I initially opened the account and was informed that it would be active within a specific timeframe. I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. I visited the branch in person to seek assistance, but unfortunately, the problem persists. I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX due date and total bill of {$8900.00} which included interest charge of {$150.00}. Payment {$8900.00} received and confirmed in full XX/XX/XXXX. 
However, an additional interest fee of {$130.00} is requested by XX/XX/XXXX despite confirmation via calling before XX/XX/XXXX pymt assuring account would be XXXX balance after {$8900.00} received in full before payment due date. 
XXXX XXXX stated today XX/XX/XXXX @ XXXX, that I was told incorrect information at that time, additional interest accrued XX/XX/XXXX despite account balance XXXX via automation at that time. 
Customer service attempted to remove additional {$130.00} fee stating I should not have been charged this however could not override in system. 
I stated with Supervisor I complied with all per my statement in addition to confirmation of Chase representative prior to mailing payment overnight at the local postal service to assure this payment arrived as promised.

My efforts proved void although as a valued customer I did exactly as Chase Freedom stated.

Pray fully this service will be more successful in helping me resolve this issue before XX/XX/XXXX which is the date this {$130.00} additional payment is expected. 
Thank you all for all you do everyday and for everyone. 
XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (SC)

I started a loan process with Movement Mortgage in XXXX, South Carolina. The Loan officer 's name is XXXX XXXX. I have decided not to pursue a loan with Movement Mortgage due to XXXX 's unprofessional-ism and predatory practices of charging me at least double the rate of services in the mortgage lending industry. I have simply asked for the fee back that I paid for an " appraisal '' the fee charged was {$650.00} which was my first indicator that XXXX was trying to rip me off. She then preceded to try to charge me {$890.00} in non-existent Administrative fees. I am choosing to use another loan officer and company at this point. I asked XXXX for my money back, she has refused to refund my {$650.00} back and told me to stop texting her phone. She then rudely said that I had the " audacity '' to ask her to come to my work for my closing. I asked her to come to my work due to me just starting a new job a week ago and not able to get off to go to closing. After that insult, I have decided to pursue other mortgage lending options and would like a refund of the {$650.00} fee that I paid.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2016-04-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NE)

I purchased a home through XXXX XXXX with my loan payment, taxes and insurance totaling $ XXXX/month. They sold the loan to PennyMac who a year later raised my rate t0 {$730.00}. The only explanation I received for the increase was " Escrow Analysis ''
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (CA)

I recently refinanced through XXXX XXXX in XX/XX/XXXX and my first payment is due in XXXX XXXX 2016 according to the note. However i received a letter dated XXXX XXXX 2016 that the loan was sold to CMC funding C/O XXXX XXXX XXXX. After numerous calls in XX/XX/XXXX to both XXXX XXXX XXXX and CMC funding i have not received loan account numbers from new Servicer. I was told from both bank agents that I would receive welcome packet within 15 days from the first payment is due. Today is XX/XX/XXXX and i have not a welcome packet. After calling CMC funding on XX/XX/2016, they could not even locate the file, using SSN or home address. The XXXX XXXX agent directs me to call XXXX XXXX XXXX, XXXX XXXX XXXX directs me to CMC funding and CMC funding is Directing me to XXXX XXXX. 
I have attached the letter and could CMC answer why I have not received a welcome packet within 15 days of due payment Thanks
Consumer complaint received 2024-01-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Neon Newco Corporation (IN)

I supposed to revive a direct deposit from XXXX XXXX  and I havent got it because they say there was a problem and is the amount of {$450.00} they deposited on Wednesday XXXX to my Netspend skylight debit card the company told me they cant do anything because they already deposited. 
If I can get a call please ( XXXX ) XXXX. Or if I can have a number were I can resolve this problem please. Thank you
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings (CA)

Back in XXXX of 2023, I sent in a validation of debt letter to IQ Data International. They responded without answering any of my questions pertaining to the debt. Sense then, I've sent in numerous dispute letters to the XXXX XXXX credit bureau 's, pinpointing violations to the fair credit reporting act. XXXX removed this account due to the inaccuracy, but XXXX and XXXX continues to report it. The information was never validated and there are several violations in the way it is reporting currently.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Uplift, Inc (TX)

An account for UPLIFT was opened in my name, using my bank account and personal identification information. I first was made aware by the bank, then later discovered several accounts that were opened with my name. One of the accounts was UPLIFT which was reported on XXXX XXXX and possibly XXXX. I then made a new police report to include all information I had about the account and submitted that along with the identity theft affidavit provided by uplift. I have been calling and leaving voicemails and emailing to be able to speak with a human with no response from Uplift. However, the company continues to respond to the credit bureaus by updating the fraudulent account to show a XXXX balance which was paid once the bank finished their fraud investigation and refunded me for fraudulent activity. 

Uplift will not work with me to resolve this complaint. The company continues to report false information even after I did everything they asked me to do to resolve it. The company is negligent and it appears that further legal action is required to resolve this matter.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX XXXX XXXX as I was being treated for XXXX  XXXX XXXX. 
The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. 
I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. 
I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. 
The total amount is : {$2400.00}
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Once again, Citizens Bank uses creative manipulation of their timelines on my checking account to exact the maximum amount of overdraft fees, even when the account shows online that it is fine. I check my account first thing in the morning, midday and evening. I have copies of their creativity. As of right now they have charged me {$100.00} for 3 things, in which I do not know which ones it is. In addition I have made numerous cash and check deposits from my business, which to them is not on time even when it is the same day. I have complained to you before about them and they have returned some of my money, but not this time. I am seriously considering a class action suit, as I am sure there are many other customers in the same boat.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (TX)

Last week on the XXXX, I received a Worldremit XXXX XXXX notification that I had had approved a money transfer to XXXX XXXX ( I don't know who that is ) through my account. 

I knew it was fraudulent right away. I tried calling Worldremit at about XXXX to XXXX XXXX but their offices were closed. I tried deleting my cards from the app, but the system would not let me. I tried changing my password,, but it would not work. Only an online chat agent was available and yet they could not help me. 

I was driving with my mom. I was so stressed that it triggered XXXX XXXX XXXX for me and I had to pull over. 

No one has called me. No one has followed up. My cards and my family is still at risk today. I suffered damaged. Please suspend this company.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

My account was closed by Chase Bank in XX/XX/2023, and they have frozen and are holding onto my life savings for six months now without providing any specific date or reasons for when they will release my money. I have been trying to follow up on my account status every week since it was closed, but every time I receive the same response : " The funds are under investigation by our legal department, and no release date can be provided. '' Chase is refusing to provide any further information, and there is no agreement that states Chase can hold customer funds without specifying a release date. Chase 's representatives also refuse to provide any protocol or agreement that grants them the right to hold funds indefinitely ; instead, they claim Chase can hold customer funds at their discretion. This situation is seriously affecting my current life and making it hard to pay my bills.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX, I called Navient to see what options I have to lower my payments, I had recently got behind on payments and owed XXXX in back payments. They told me I could make a one time payment of {$250.00} and it would bring my account up to date. Then they would give me the month of XX/XX/XXXX for free and I would start payments back up in XX/XX/XXXX and the payments would be around 250.00 a month. I then called them back on XX/XX/XXXX because my automatic payments are coming out {$280.00}. I can not afford to pay this amount so I wanted to see if they can lower my payments. The person I spoke with transferred me 3 times, I finally got someone who told me there is nothing they can do. They said I only get 2 income driven repayment plans of which I have already used. They told me to call back next month in XX/XX/XXXX and I can attempt to file for Interest only payments, but it would only lower my payment to {$210.00}. I then stated this is still to much for me, I am a single mother with a tight budget and I can not afford this. They told me I need to find someone to pay my loans then and there is nothing they can do to help me. I am living paycheck to paycheck and this is a burden on my family. I am very dissatisfied with the customer service and I feel like they are charging me way more than I can afford and they offer no help to lower my payments and actually, since I have had this loan, it has gone up by {$5000.00} from the original amount and my interest rate is 11.25 %. I have been a borrower since XX/XX/XXXX and this has been an ongoing issue since starting my repayment.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

I was offered an incentive to open a new checking account at PNC Bank! I went in to accept the offer, they declined but offered me a PNC Smart Access account! 
Despite being told by their corporate office I should have received the incentive to open a full checking account, my PNC Bank Branch repeatedly refuses, cancels repeatedly my PNC Bank Smart Access VISA, and after clearing up an error why the VISA was cancelled, I was told they would send me a replacement PNC VISA but in the meantime I could deposit checks into my PNC Smart Access account! I attempted to today and my bank branch refused to accept the deposit!
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

There is an account on my credit report under LVNV FUNDING LLC that was opened on XX/XX/2018. I have no idea who the original creditor is or why this account was placed in collections. I have never received any information regarding the collection of this debt, or the original debt itself.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
Consumer complaint received 2024-02-01
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. (FL)

In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions.