davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Received offer XXXX 2022 for a {$450.00} bonus for opening a new savings account after keeping $ XXXX in for 3 months. I did this, but it has now been over six months with no bonus deposited. I've called and chatted with customer service four times now, and they could provide me no information other than opening a " case. '' At first they told me it would be 5 days, then another week, then another week, etc. It is still " pending '' over a month later. There is no reason for me to believe this will ever get resolved despite their written offer in 2022 with the account.
Consumer complaint received 2020-07-24
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. (GA)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from XXXX mortgage sending a negative report about this loan. ( # 8 Document ). 

I need XXXX to rectify this.
Consumer complaint received 2020-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

ID THEFT FTC case XXXX & XXXX data breach. Unable to conect by phone on XX/XX/2020 I emailed XXXX REQUESTING XXXX ACCESS TO NO AVAIL. XX/XX/2020 XXXX  emailed me my dispute was completed to go on line for results. My complaint is that XXXX  is NOT ACCESSIBLE TO ME WITH MY SEVERE XXXX XXXX. My XXXX can not press the exact right spot to NOT BE A ROBOT. SO CALL ME A ROBOT! I am unable to set up password also. NO XXXX SCREENREADER OR VERBAL SPEAK PROMPS WHEN OUTSIDE APP NO SET UP ACCESS. Password requires a special sign, upper case, lower case, number MY HANDS CAN NOT DO THIS PHYSICALLY. ( XXXX  IS NOT ADA ACCESSIBLE. ) I am a victim FTC case  XXXXof Ideninty Theft XXXX XXXX year old Targeted Consumer with NO ACCESS AND I AM DENIED WHAT THE REST OF THE WORLD IS PROVIDED DUE TO MY XXXX.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Hello, I was selling an item on XXXX, one buyer was interested and ask if I could do XXXX I said yea then he asked for my email then I received this email saying that this buyer has sent you {$450.00} for the item, it seems legit so I accepted the offer then 2 hrs later I was told I was not a business account I needed to increase my limit by sending {$300.00} to a provided Cashapp so I did then they said I am officially a business account. An hour later they emailed me saying that there is a certification fee of {$500.00} to start using the business account I was skeptical about it but they were professional and said I would be receiving {$1300.00} once XXXX to a provided email then next day they said my fund would arrived at XXXX. Noon came they told me they have many clients and my fund would be ready at XXXX. XXXX came they told me that the buyer did a double payment of {$800.00} and I need to send it back so I could get {$2900.00} thats when I draw the line I refused and they claimed I am fraudulent and said they would report me. I would like to get all my money back as soon as possible please I tried calling my bank chase but they refused to help me. 
The company that emailed is XXXX, the buyer number is XXXX which is disable I have the email saved if needed
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

This is not a duplicate complaint. Wells Fargo has opened an account in my name and social security number, and is reporting it against me. I have notified Wells Fargo that this was as a result of identity theft, and they have ignored my complaints and have continued to claim that I owe these charges. Wells Fargo claims that I am disputing charges, but that is not at all what I am disputing I am disputing them opening the account in my name period. I have not opened a card with Wells Fargo, and I have not allowed anyone to open an account in my name. I am not merely disputing charges I am disputing them allowing a fraudulent account to be opened in my name PERIOD. I am attaching a copy of my recent police report to show that I was the victim of identity fraud where my personal information to include my drivers license, social security number were all used to provide correct information so that Wells Fargo would allow the fraudulent account to be opened in my name. 

I am providing a copy of my police report so that Wells Fargo can plainly see that I was the victim of identity theft and that their account among other accounts were opened in my name using information that was obtained as a result of fraud.
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

After paying on my loans for 12 years, with a couple forbearances, I summited an Application for Public Service Loan Forgiveness. I was employed with the XXXX XXXX XXXX on XX/XX/XXXX. My loans were then transferred from XXXX XXXX to Fed Loan.

Apparently my employer put XXXX as my start date rather than XXXX and sent my signature page as a separate scan. Fed Loan then stated the form wasn't signed and the top was cut off when faxed. I had another form sent and faxed my copy as well.

Fed Loan then stated they wouldn't count most of my payments because of the date discrepancy. They wouldn't even count all payments since XXXX. This was soon corrected by having my employer send yet another form to Fed Loan.

Fed Loan then stated they couldn't count the payments since XXXX because there was a prior discrepancy two forms ago and they needed to speak with my employer. They stated a call was placed but the payroll office ( during COVID ) didn't answer.

After I checked my account I again contacted Fed Loan and they stated the employer needed to call with my account number. I asked if they could call because my employer may not wait on hold for my student loans. I was told a call could be placed some time in the next two weeks. I asked for a date/time so I could tell payroll when to expect a call and was then told my employer would need to call.

I called out the obvious. How would Fed Loan know it was my employer? Anyone could call and give my account number and state they are the payroll person who signed the form. I was then told it was

" an honor system ''. Of course, if it was an honor system ( which it shouldn't be ) they would accept the second or third CORRECTED forms. Anyone can make a clerical mistake. It seems with all these hours of communication and repeatedly asking of my employer ( a government entity ) to repeatedly try to help with my loan forgiveness, Fed Loan is trying hard to not approve my loan forgiveness. This process is ridiculous and I don't understand why Fed Loan can not communicate ALL needs in the beginning. If Fed Loan wasn't going to accept the first form and needed to receive verbal confirmation from my employer, why not state that 5 calls and 4 months ago? Now I continue to wait and hope my employer has enough time to wait on hold to call Fed Loan.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I have disputed with XXXX  a collection from XXXX realty and sow threat   recovery  who was my landlord for three years. Do to medical recommendations from my doctors, I had to sick for medical help out of the state of Florida that was where I was living. I provided medical documentation to XXXX  on this regards do to my landlord, even when Provided with medical documentation that was the reason that I moved to another state to seak medical treatment in another state, and one of the only two reasons to brake a lease without penalties.
Consumer complaint received 2021-04-28
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: Elevate Recoveries, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (SC)

I booked travel using a chase credit card in XXXX of XXXX. I used XXXX points I earned with the card combined with {$2000.00} for the reservation. Due to COVID travel restrictions I had to cancel my reservation. I did so in the recommended timeframe suggested by Chase. In XXXX of XXXX I closed the credit card I used for booking this reservation. When I cancelled the reservation on XX/XX/XXXX, I requested they send the refund to a different chase account I have that is open. They refunded the points used to this account within 2 days, but I still have not received the refund of {$2000.00}. I waited patiently and have now been working on this matter for the past month with no foreseeable resolution in the future. I have spoken to Chase travel and Chase no less than XXXX times regarding this matter. They assigned my case to someone in their Executive department. As of my update today, they still have no projected resolution. They have confirmed multiple times that they owe me this amount of money, but I keep getting sent to different departments and each one tells me that they need to investigate the situation. After each one investigates, they send me to someone else.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MA)

My XXXX signed me up for a deferred payment without interest with Comenity Capital Bank for an XXXX from XXXX. I had my bank make the direct payment of {$200.00} per month which went to the company on a regular basis. Last month the amount owed was {$230.00} dollars but the bank only paid {$200.00} dollars as it had been set up two years ago. I tried paying the {$38.00} but was unsuccessful getting to the account to make payment. The company now wants to charge me {$1400.00} additionally because the {$38.00} dollars were not paid before the loan expired in mid XXXX.. The company did not send me a notification of the loan expiration date and two years later it is unreasonable for them to think that I had that date present on my mind, especially during the time of crisis in our country, I have contacted them several times and they are not helpful. Their XXXX  score is # 1, which explains their behavior, I need your help trying to resolve this unjust matter. I am a responsible consumer with a credit score of over 800. Thank you for your assistance with this matter.! XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (WA)

ALL FEDERAL STUDENT LOANS ARE DEFERRED UNTIL XXXX XXXX BACKED BY THE CARES ACT. NAVIENT HAS ASSESSED ME WITH LATE PAYMENTS THAT SHOULD NOT HAVE OCCURRED. THIS NEEDS TO BE RECTIFIED IMMEDIATELY. ADDITIONALLY, I HAD AUTOPAY SET UP WITH MY STUDENT LOAN ACCOUNTS IN THE EVENT PAYMENTS WERE TO BE MADE. THERE IS NO WAY I COULD HAVE BEEN LATE WITH THE CARES ACT AND MY AUTO PAY SET UP IN PLACE. DELETE ALL NEGATIVE INFORMATION ON MY STUDENT LOAN ACCOUNTS DATING FROM XX/XX/XXXX - CURRENT TIME ASAP!
Consumer complaint received 2020-07-20
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. (AL)

Equifax ; XXXX and XXXX  should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for  identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-07-20
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}
Consumer complaint received 2020-05-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

We started the process of our va home mortgage loan XXXX week fo XXXX. I informed Rocketmortgage / quickenloans that tartlet date is XXXX  of XXXX coz the seller will go back to his town in Idaho. Ive been emailing calling them for 3 weeks no update. This time I called and got mad now they are starting the loan process asking again all the requirements and did credit check 2x. This is really bad. Now theres no new update
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (CA)

I received this letter on XX/XX/2021 from UNIFIN stating that I owe for a bill that I opened an account 15+ years ago. I feel this is a threating action from this company as I have had my credit dissolved and currently only owe for 2 items 1 credit card and 1 XXXX XXXX card. I contacted XXXX XXXX and they quickly responded to me by giving me your information and also to contact the Attorney General in California. It seems as though this company is opening passed credit history that has been closed. The bill they sent to me does not have a description of what the item is. I feel this is unfair since this has been cleared from my credit report. I love all that I have read that you do to help consumers. Thank you. 

Thank you for your time.
Consumer complaint received 2020-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

Someone called me Saturday night from a personal phone with NY area code. She said that she is with Chase and that she needs to send me a code I need to read it to her. I said that I will not do that since she is calling me not from authorized bank number and I will not release any sensitive information to her. I asked if that is possible for her to call me from bank number or if I can call the bank number myself, she said yes. I have called the bank customer service number and automatic recording said that there is person is available to speak to. I have tried to log in to my online account and it was locked. I have googled and found out that they have no support until XXXX XXXX  Sunday. I have called XXXX XXXX  Sunday and the person there told me that no one will be able to assist until Monday. I SUSPECT CHASE IS DOING SOMETHING WITH MY MONEY. I CAN NOT SEE THE TRANSACTIONS I CAN NOT GET HELP. No legit company especially that deals with money should request codes by calling from some shady numbers, and how is that possible that no one is available to provide the support and customer has to be locked out from their money??????
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TN)

RENTDEBT AUTOMATED COLLE Last reported XXXX  XXXX, XXXX {$3900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX   XXXX This information was placed on my credit and I was not given a chance to dispute debt. This information is incorrect and it needs to be removed
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IA)

I called Equifax because my credit score dropped XXXX points in two days without cause. The other two agencies did not show a drop. I called Equifax to ask them to explain why they dropped my score. The Equifax service agent on the phone could not explain why it had such a drastic change. Nothing had changed on my end. Payments were made on time. My balances are lower than the previous month. Equifax could not give me a reason why it dropped. I went online to find out my credit score on their Equifax website and it showed a "? ". I told them even the site showed a "? ". And now, after talking with them, I don't even get the page with the "? '' or the " credit score '' link to where the site should populate and show my score. The " check my score '' link on my site was removed. 

They give me a fictitious score, any score, on their whim without justification nor any answers for their actions. 

My husband pulled up his Equifax account online with no issues. It populates his score through the link that is missing on my site. Identical pages only mine does not have that link. My Equifax online account does not show my score. 
I do not understand why my account dropped XXXX points nor could they give me an explanation why my Equifax website showed "? ". 

I would like an explanation, otherwise, this is pure discrimination. Or, quite possibly, their underhanded attempt for me to sign up for their " raise your score instantly '' propaganda. 

It does not make me happy.
Consumer complaint received 2021-10-26
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. (MI)

Hello, i recently sent in a ftc report regarding fraudulent accounts and inquires and they have been deleted from XXXX and Equifax but XXXX hasnt done so yet just placed extended fraud alert with closed account ( XXXX XXXX ). also one of the fraud account ( XXXX XXXX ) had late payments report after the fact of me sending the ftc report in and the account being closed and removed. I have called and faxed over my ftc report XXXX XXXX was removed then put back on with late payments and XXXX XXXX was removed from XXXX and Equifax but just says closed on XXXX they still haven't updated it. please remove the late payment from XXXX XXXX account and remove account closed accounts
Consumer complaint received 2021-06-21
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.