davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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)

In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX OF 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 In accordance with the Fair Credit Reporting act XXXX OF 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 i also have an unauthorized inquiry reporting XXXX XXXX  - XXXX
Consumer complaint received 2022-06-09
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. (MI)

I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

I have been sued by Synchrony Bank for {$8000.00} dollars XXXXt County Magistrate Court Case Number XXXX for credit card debt. I dont dispute that I owned this credit card, but I dispute the amount claimed by them. I did not have a chance to verify this debt as per FDCPA. I did not get a demand letter, no help Pandemic when my husband lost job and went through the toughest economic crisis of our life. 
I filed a complaint against XXXX XXXX XXXX because at some point on of the attorney indicted, they represent XXXX XXXX, I am very confused I dont know what do please help.
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I have a current mortgage with Chase. I have been trying to work within the Chase organization to resolve the multiple issues of their Escrow practices. I have reached out to all departments for over XXXX years with absolutely no assistance whatsoever. I have accumulated documentation that needs to be seen. 

Since the re modification of my loan on XX/XX/XXXX, I have had forced insurance in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and partial of XX/XX/XXXX. I have had increased mortgage payments annually since XX/XX/XXXX to date. The reasoning has always been an Escrow shortage. I have exhausted all attempts to rectify the situation with Chase. 

I have a XXXX pages of internal documents, that need to be shared. Chases accounting practices and Escrow analysis are completely fabricated. I am not the type of person who normally reaches out, but in this case Chase has left me absolutely no choice. If you would like to view the documents and their accounting sheets they have sent me please contact me and I will send them to you, with in depth information about the situation. My hope is that someone of your stature with assist with actions needed to be taken. Thank you for your time.
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (NV)

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the Affidavit attached ) ******
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them a government-issued photo ID. At the time of closing my account, the balance was {$4800.00}. 

I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. 

Chime has created a mousetrap for XXXX XXXX to deposit their money and then requires a government issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. 

My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. 

In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.
Consumer complaint received 2022-07-31
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. (IL)

I have filed three different disputes with Equifax regarding my name over the past three months. Each, and every, representative I speak with assures me that my name has been corrected ; however, when I receive the confirmation in the mail nothing has been changed. I have sent in copies of, both, my Social Security card and my drivers license yet the change is never made.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My home was sold on XX/XX/XXXX to Roundpoint Mortgage There was a overage in the escrow account. I placed a forwarding address with the USPS prior to XX/XX/XXXX and also gave Roundpoint mortgage my new address. 

They stated the overage check was returned on XX/XX/XXXX. Which I was not informed of till XX/XX/XXXX. 

They will not let me speak with anyone in the escrow department. And stated they can not find the returned check. They stated it will take another 10 days yo stop payment and reissue another check. I am currently unemployed and need the monies owed me.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My grandmother has been in the process of a loan modification for the the last 18months. 
When documents are requested and submitted the lender comes back a month later asking for more documents then says that the other documents have expired and they need to be sent again. They are sent again with more requests. Information was sent regarding the property being in a trust, then a month later they want the property taken out of the trust and put solely in my grandmothers name, by that time she was told the application had expired. Now we receive a letter stating that the loan has been acquired by a new servicer, XXXX. No mention of the the modification. I called to speak to the relationship manager and she made no mention of anything. Why are they doing this. They also refused to take payment because it was not the full payment. Chase was informed from the beginning that the rising interest rate would put us in a hardship. Now the modification is not done and the loan has been sold to another company. I tried to assume the loan 2 years ago but was denied. This is heartbreaking my grandmother is XXXX years old and this situation is taking a toll on her.
Consumer complaint received 2022-10-24
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. (NY)

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 Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Opened : XX/XX/XXXX Balance : {$1200.00}.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited a check in the ATM of my bank on XX/XX/2022 at XXXX PM. The receipt stated that {$420.00} was the amount to be delayed on a check made out for {$650.00}. This was a Friday. I spend some money Saturday not knowing that the bank has placed a hold on the whole amount and funds will not be available until XX/XX/2022. I have reoccurring accounts set up with my bank. Going over my statement I notice that they are charging a late fee even before the late fee occurs in my account. Like it was a planned event on their end. I go to the bank Tuesday XXXXXXXX XXXX to ask why the hold is still on my check when the bank that the check was drawn on checked and saw that the check was cleared by their bank Monday XX/XX/2022. I went into branch office of Wells Fargo and asked why XXXX had not been completed. Because first of all, the funds were in the drawer 's account that day ( XXXX, XXXXXXXX XXXX ) because I took the payer to the bank as I have done for the past 5 years. This is the whole statement after depositing check : " A hold will be placed on the following check due to doubtful collectability. We have been notified by the paying bank that the check may be returned unpaid ''. Now while I wait on payment that I depend on to pay my debt, they are charging me late fees. That's not fair and if I can prove that the other bank did not send this message, what can I do to be made whole again? Financially in a bind like other Americans right now.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I have been trying to sign into my Equifax account to manage my account freeze but every time I enter my sign in and password I receive the same message we are temporarily unable to complete this request. 
I am trying to purchase a new car and want my credit check available when I find the right vehicle.
Consumer complaint received 2022-07-31
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: Augusta Collection Agency, Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX AUGUSTA COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-02
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

Prior to signing up for the Marriott Chase Premium credit card, I spoke with a customer service representative to discuss the terms and conditions of the credit card. I was told on the call that the {$85.00} annual fee would be waived the first year. Upon reviewing my statement, I was charged {$85.00} for the annual fee on XX/XX/2016. This is approximately 1 month after receiving the card. I call customer service again and spoke with a supervisor who told me that i was given the incorrect information and that the annual fee is required and not waived. I told them that i was misled and they said there is nothing that they can do about it.
Consumer complaint received 2016-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have to call monthly to have my loans placed in a status of in school deferment. This organization does every thing possible to attempt to collect even false statements. It is difficult enough to complete classes without having to worry about an organization looking for a way to extort funds from students, they will add fees to this when it should be in deferment, lying stating that the school shows me to have withdrawn, and any other method I am sure I have n't seen yet. if this is happening to me then I know it is happening to thousands of others. Their authorization for this service should be removed for service of any student loans.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (GA)

For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from credit karma stating that I was pre approved for credit cards for at least XXXX And when I applied it was dis approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (MD)

I received a call the morning of Wednesday, XXXX XXXX, 2016 from a Chase Credit Card representative explaining to me that my monthly payment for my credit card ending in XXXX was past due for the month of XXXX 2016 and I now owed the company a payment of {$110.00} ( inclusive of the regular monthly payment that I send which is {$85.00} and the {$45.00} minimum payment that they claim I failed to make for XXXX 2016 ). I explained to the representative that these payments are set-up with my credit union on automatic bill pay, so I was sure that my payment for the month of XXXX was sent to them in XXXX of 2016. My bill is usually due on the XXXX of every month and my auto bill pay is set up to make payment on the account in advance, as my monthly statements will show. The representative than explained to me that because my XXXX payment for the XXXX bill posted before the XXXX XXXX ( which on my statement it shows it posted on the XXXX -- -hmm ) that particular payment was applied to my XXXX statement, thereby deeming my XXXX payment as unpaid. I find it to be very unfair that I 'm being harassed, accused of not making a payment and regarded as fiscally not responsible because I made an early payment and the credit card company made the decision without my consent or at least a courtesy call to apply my payment to the same monthly statement for which they had already received payment.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (VA)

I have a chase credit card account that has low rates due to balance transfers that are fixed until it is paid. Several different transfers were made at different rates. The balance of the portion of my account with an interest rate at 4.99 % was {$2400.00} as of my statement date XX/XX/XXXX. The balance on that portion of my account has grown to {$3100.00} as of XX/XX/XXXX. I have made extra payments and can not tell where any of those payments have been applied to this balance portion of the account. This has been the highest rate portion of the account.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (IN)

The lender is completely unwilling to make any adjustments to my interest rate to make my payments more affordable. They use a third-party service called XXXX to collect on the loan when it becomes a day late and that service helps me with a payment that is more affordable but the main lender refuses.
Consumer complaint received 2022-08-23
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Any of the business credit cards I have are only reported with XXXX and XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY CAPITAL ONE IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE CAPITAL ONE AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Consumer complaint received 2022-10-24
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. (NJ)

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  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-02-17
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AES/PHEAA (NJ)

XXXX XXXX was hired to collect for my XXXX delinquent student loan accounts owned by the National Collegiate Trust. XXXX made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, XXXX claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by XXXX XXXX and paid to American Education Services, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with XXXX XXXX regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at XXXX XXXX. 

I contacted American Education Services to determine whether or not they provided my bank account information to XXXX, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to National Collegiate Trust. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to XXXX XXXX, then someone else did, and did so illegally. 

XXXX XXXX told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.