davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

I have had many issues with US Bank, but this is the icing on the cake. 
US Bank continues to charge fees and allow transactions that should not be authorized to go through on my account. I cant even begin to explain how many times I have had to call to complain about my accounts. Last month, an unauthorized transaction of XXXX went through on my account and a check to the XXXX was sent back ... they never refunded me for the NSF I was charged. Today, US Bank sent back a check that was cleared on my account tuesday. I explained to them that when I checked my balance on their MOBILE app, that my balance reflected as XXXX number and that after that check went through that there was still funds available. The rep told me me not to depend on the mobile app because it is not accurate ... which is contradictory information. The check showed as cleared on Tuesday XX/XX/2017 and there was a pending XXXX from XXXX. They sent back the check and cleared the XXXX hold which ended up being XXXX. I cant get anyone from US Bank to admit that this was there error and they charged me a fee today and will not refund it. I continue to have issues with all of my accounts as well ...
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Other — 
Company: ARVEST BANK GROUP, INC. (OK)

I asked the credit card company to allow me to join the hardship program. They sent me a form to complete in XX/XX/2016. I also sent in a payment of the negotiated amount of {$130.00}. They cashed the check and said they did not receive the form. The check was with the form. I continued to pay {$130.00} for the month of XX/XX/XXXX and XX/XX/XXXX and so on. Because they claim they did not receive the form they reported late pays for XX/XX/XXXX & XX/XX/2016 to all XXXX credit bureaus. I am wanting them to remove the late pays as a result of their negligence.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I have a credit freeze with the bureaus due to extensive identity theft. I have no difficulty lifting my freeze with XXXX or XXXX, but no one is able to pull a lifted report from Equifax. I will receive written documentation and verbal confirmation from Equifax indicating the lift is in place, however anyone who attempts to pull credit receives the following message : " bureau error, no data to display '' with a numerical value of " XXXX ''. The companies attempting to pull credit have indicated the message regarding frozen credit should appear when frozen, and the numerical score should appear when the freeze has been lifted. None have confirmed receiving this message when an individual has a freeze in place. This message was received from Equifax, both when the credit was frozen, and the lift was in place. When I questioned this, Equifax indicated this is a normal message due to the freeze and should not appear when the lift is in place. When they are questioned why the message continues to appear when the lift is in place, each Equifax representative provides the same answer, " they ( company attempting to pull credit ) do n't know how to pull credit ''.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (IL)

In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (OH)

Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

Experian make wrong record in my report, I have disputed them, but they dont give me proper investigation XXXX - # XXXX : XXXX XXXX mistakenly taken me out of the deferment and reported me as XXXX late for over 121 days.
Consumer complaint received 2015-08-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (TX)

On XXXX XXXX, 2015 I made a trade for virtual currency in the ammount of {$90.00} XXXX from my XXXX ) to XXXX XXXX XXXX I received confirmation emails from XXXX parties telling me that my funds had been successfully sent from XXXX and received XXXX. Within less than XXXX hours I found several rewiews about XXXX warning people that this site was a SCAM! I imediately contacted Skrill and explained to them the situation. I received an email confirmation that they had received my inquiry and would take care of it as soon as possible. I also contacted XXXX several times and received NO respose. 

It has now been XXXX week and I have heard NOTHING else from XXXX or XXXX. I sent a follow up email to XXXX today XXXX XXXX XXXX, 2015 ) in regard to to same inquiry. 

What can be done about the {$90.00} XXXX that have lost? 
Thank you
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: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$640.00} Date Opened:XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2400.00} Date OpenedXXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1700.00}
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Comerica (MI)

the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I have our monthly mortgage to be set to a monthly draft on the XXXX of the month currently through Loan Care and it was through XXXX prior to XXXX set for the same monthly draft date. XXXX always sent through the payment request on the XXXX and it would show pending on that day through our bank account, per my verbal agreement with Loancare that we set up after receiving a phone call that our mortgage had been sold after we were already two months behind on payment. I was told I would have received a letter. However, I never received a certified letter stating that and that would be the expected normal as this is a very important matter and determines my financial livelihood. Anyway our payment for Loancare went through pending as of the XXXX this month, which was a huge problem because our payments from the company we work with do n't go through until the XXXX and so our account overdrew and and I was n't able to cover which is why we are set up to have this drawn on the XXXX. 

In addition to the other XXXX events our mortgage payment jumped {$400.00} starting on XX/XX/XXXX Our property was appraised XXXX actually in XXXX and we were informed our taxes would go up for the following year. Well they stated in escrow that we were over our balance and have now more than doubled on the increase to cover for last year and now to move forward for this year. They are unwilling to take a cover balance for the remaining due and make our payments at least half the increase moving forward. I am looking further into the pay increase, but we were led to believe the increase would occur for XXXX not XXXX.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Experian to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Experian and they ignored it.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department, Report Number XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1.XXXX XXXX never done business with this company please delete. 
2.XXXX XXXX never done business with this company please delete. 
3. XXXX XXXX This account was paid with Original Creditor error please delete. 
4. XXXX XXXX this account has never been verified error please delete.
Consumer complaint received 2017-04-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( XXXX ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: JPMORGAN CHASE & CO. (IL)

I have previously got assistance for this same information. Chase back issued a XXXX on XXXX accounts I had with them. Upon completion of your investigation they were removed. As of today, they have reinserted the information on my credit report. Please look into this matter. I am trying to purchase a home and this information is hurting my chances. According to information I have researched, Chase can be sued for this action, please advise if this is the case. Thank you.
Consumer complaint received 2017-04-05
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I have a XXXX and recently two tenants used Chase Quick pay to send rent. One for {$850.00} the other for {$1300.00}. I th I then received a text from XXXX saying the money would be deposited. 
I have never received the money and it is no a month. I have been in contract with both banks and have gotten the run around. Chase says it was sent to XXXX it was sent and XXXX says they never got it, in the meantime I am out {$2200.00}
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

Credit Report Activity Expand All Collapse All New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debts reported as in collection can severely impact your credit score, so it 's important to determine how to resolve these debts as soon as possible. 
Debt Collector Original Creditor Balance Owed XXXX XXXX {$37.00}
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

Dear CFBP, Chase Bank has been abusing me as a customer. They have failed to account for my mortgage payments correctly. Chase lists that I have paid {$2900.00} to my principle but my average principle payment per month is about {$500.00} so this figure should be {$6000.00}. Also, Chase has mismanaged my mortgage banking records since XX/XX/XXXX and it has taken me over XXXX calls and XXXX emails and faxes to get my basic mortgage accounting records added up correctly. This faulty accounting and mismanagement of my mortgage payments is illegal. 
Thanks, XXXX XXXX
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

My loan servicer is navient. About six months ago I paid off entirely an unsubsidized loan. Furthermore I matriculated at a university and so my subsidized loans went into deferment. Today I received communication by email for the first time since the loans went into deferment, including for some reason a notification about an unsuccessful application for autopay which I never submitted as I am still a student. Even more absurd is that when I logged into my account my unsubsidized loan had a balance and the balance on other loans had increased. As absurd as that is I was not even notified about any of this. This company 's conduct is despicable.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (IN)

Sallie Mae has continuously called our phone number and we are a XXXX. The person they are trying to reach CAN NOT be reached through this number. Sallie Mae 's representative is aware of this, yet she continues to call and harass employees who are not involved in this situation.