davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

In the fall of XXXX I had a tree fall on my home and Insurance covered a lot of the repairs but we did need to make some on our own and Chase gave us a deferment on the mortgage because of this. The deferment ended XX/XX/XXXX which is when COVID began and I started making phone calls asking for a loan modification which was denied but I was told if I brought my loan to being less than 90 days late I could get a COVID protection which I then struggled and made a lump sum payment on XX/XX/XXXX so that I could be approved for the COVID protection and defer my payments with a balloon payment at the end being one of the options I could choose. I was on COVID protection until XX/XX/XXXX. During which time I kept in touch with Chase and asked several times what would happen at the end of the COVID protection and if a balloon payment or extra payments added onto the end of my loan was still an option and I was told several times that was options. Now in XX/XX/XXXX I am being told by Chase that I am not approved for any type of balloon payment at the end of my mortgage or putting the payments on the back end of the mortgage because my loan was not current when I started the COVID Protection, the reason I was not current is I had a deterrent due to the tree falling on my home. I was not told that it was something I had to get approved for I was told it was something I could choose to do. I am now being told I dont have any options except to pay the 18 months of missed payments up front or in a 6 month payment plan or sell my home. I just want the missed payments during the COVID protection put at the end of my loan in either a lump sum or missed months added on in months at the end like I was told I would have the option to do.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I got a text message with the caller ID of Wells Fargo. It asked me if I had approved a charge in Florida. I have received these calls in the past from Wells Fargo in the past asking if I had authorized something. When I replied NO, I got a call with caller ID again saying Wells Fargo. The man identified himself and stated he worked in the Wells Fargo fraud department. 

He told me he was going to put me on hold and call the FCIC. While I was on hold three other notifications came through on my phone saying another XXXX XXXX dollars of charges had just been made. When the man returned to the line I informed him that another XXXX XXXX had just gone through. He stated he saw that and he had spoken with the FCIC and he needed me to log on to my account and get into XXXX. 

I had never once used XXXX and did not know how that program worked. He told me that I had to start transferring the XXXX XXXX out of my account and move it to other accounts I had. Unbeknownst to me he had it going into another counter other than mine. He stated the next day a supervisor in the fraud department would call me. 

The next day I did not hear from the fraud department and called them. They informed me they never sent me a text or called me. They send me to the fraud department to file a claim and they then said they couldn't take the claim b/c I had sent the money myself and put me back to customer service. She then told me clearly I had been scammed and they would start a investigation. 

It is now XX/XX/XXXX and they have refused to help me get my money back. It is my understanding that according to their policy if you are unknowingly are scammed they do refund your money. I also asked for documents they say I legally have a right to get to show me how they investigated this. All they sent me was a copy of the statement that shows where the money was transferred out. 

Finally, I have all of the text messages that were sent to me on XXXX from the people that scammed me. I have offered to provide Wells Fargo these text and they said they will ask for them if needed. As of XXXX, they have yet to ask for them. 

Can someone please help me get my {$3000.00} dollars back. 

XXXX XXXX
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX I am a consumer and natural person. On Monday XX/XX/2021 I spoke with XXXX at Old Navy/Synchrony Bank . Today I went to Old Navy to make a purchase for my child 's school clothing and was bewildered to learn that my Old Navy account had been closed without my knowledge I contacted the number on the back of my card and spoke with XXXX a customer service agent he informed me that he did not have any idea as to why my account had been closed. He then informed me that a letter had been mailed out to me on XX/XX/2021 that is a direct violation of 12 CFR 1002 Equal Credit Opportunity Act. I am XXXX beyond measure.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (VA)

Called, sent correct letters to remove incorrect information off my credit report, they havent sent any information verifying that the inquire is correct.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted my third dispute recently on XX/XX/XXXX with Transunion regarding XXXX XXXX XXXX. I informed them the account is reporting inaccurate information and I am a victim of identity theft. They have stated the account was verified however, I never received proof of this verification from Transunion or the creditor. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please follow the federal law and block and remove the accounts listed in my FTC report or I will have to seek litigation.
Consumer complaint received 2021-11-05
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. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

Last month ( XX/XX/2021 ) I submitted a complaint with the CFPB concerning a promotional fee problem connected with my Chase Bank Sapphire Reserve credit card ending in XXXX. Chase Bank responded in a very timely manner and I thought the problem had been resolved. Chase Bank did not live up to their " No Fee '' promotion on their " My Chase Plan '' zero fee promotion that ended on XX/XX/2021 for major purchases. I made a purchase of over {$6700.00} ( XX/XX/2021 ) that was within the framework of the zero fee promotional period. Today ( Thursday XX/XX/2021 ) I see on the Chase Bank website that I again was charged {$27.00} ( a monthly FEE ) for that major purchase. When I called to dispute the charge I was told that the " {$27.00} refunded last month was only a one-time conciliatory refund, NOT ongoing for the remaining 11 monthly payments. '' That was a contradiction to what I was told 3 weeks ago when Chase contacted me after hearing from the CFPB. Bottom line : Chase Bank has reneged on their No Fee promotion and has done a 180 on what I was told during a conversation with " my advocate '' almost 3 weeks ago. Shame on them!
Consumer complaint received 2021-11-01
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. (FL)

On XX/XX/21 Equifax was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Equifax failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Equifax a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 10 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Equifax nor did I receive and update on the adverse items that should have been excluded from my consumer report.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (NV)

Companies continue to traffic my non personal information. I have reached out to CEOs of XXXX, XXXX, XXXX XXXX. I have put XXXX, XXXX, Experian on notice of the fraud. It has been over 90 days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, XXXXXXXX XXXX, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.
Consumer complaint received 2021-08-11
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. (OH)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-11
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. (NJ)

it has been more then 35 days since I ' ve sent my letters to the 3 credit reporting agency and i still haven't received any responds. Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences. I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I told the 3 credit reporting that I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on their website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. Please Block this information from my credit report, pursuant to section 605B of the fair credit reporting Act, and send the required notifications to all furnishers of this information. I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.
Consumer complaint received 2021-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

At the onset of applying for the Public Service Loan Forgiveness, I never received information about my loans and how the Public Service Loan Forgiveness applied to my situation. As I continued to submit my annual certification with the supporting documentation, I never received anything from them. I followed up with calls and they confirmed that they received it and would be applied to my loans. It wasn't until about three years into repayment with the PSLF, I was told that my indirect loans were eligible for the program and that I needed to consolidate the loans to a direct loan. I did that, but with that, I lost about 3 years of repayment.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (DE)

One day in XX/XX/2021, I found that my Coinbase account had been disabled. I have contacted Coinbase several times since and have not gotten a reply from Coinbase. Early on, I did receive email correspondence but no follow up since. I have contacted Coinbase through their customer support page on their website and still havent gotten a response. My money is tied up in my disabled account and I have no access.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Auto Advantage Finance, LLC (OK)

company reported this account as a voultary surrender but I have proof stating the ve3hcile. was paid off through insurance and account was paid in full stated below also I signed my XXXX XXXX contract XX/XX/year> which was after getting both vehicles due to federal service civil relief act creditors are not. allowed to report negative accounts after in XXXX XXXX status also creditor agreed to delete both accounts due to payoff
Consumer complaint received 2024-10-29
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CT)

In XX/XX/XXXX, I called Citibank to convert my account to a basic banking account, which I was told would not incur fees as long as I maintained a $ XXXX monthly average balance. This is an inactive account, one that I opened 25 years ago and kept open in recent years mostly so as not to damage my credit score. 

Last week, ( XX/XX/XXXX ) I saw an email from Citibank alerting me that my savings account had a negative balance. I called them up to find out what was happening. It turns out the specialist who had converted my account to the basic banking product left my linked savings account out of the package meaning I incurred $ XXXX/mo monthly maintenance fees and $ XXXX/month overdraft fees. 
The first supervisor I spoke to reversed two thirds of the charges, and informed me I would need to call back to get the rest reversed. He admitted that this was a clerical error on Citi 's part and my linked account should have been converted to the basic product at the same time as my checking. 
All seemed fine, until I called Citi yesterday to reverse the remaining fees ( {$170.00} ) reversed, only to be told this was not possible. While originally I was willing to consider the " clerical error '' that led to the high fees was the result of an honest mistake, my latest interaction makes me think Citibank is preying on customers who are too busy or unable to track their accounts on a regular basis. 
In summary, late last year Citibank had assured me I would not pay any monthly maintenance charges as long as I maintained a balance of $ XXXX/month, but ended up finding a way to charge me $ XXXX/month and refuses to reverse the charges even though they resulted from their clerical error. 
In addition to the hefty fees, Citi has damaged my credit score.
Consumer complaint received 2021-08-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (MD)

File bankruptcy several years ago and the bankruptcy has been discharged. The debt collectors are still mailing me letters stating that I owe {$75000.00}. 
An automatic stay specifically states that a creditor can not contact me to collect a debt after i filed bankruptcy. Continuing to try to collect after a bankruptcy has been discharged is illegal. And id like to start a lawsuit. I'm so tired of receiving yearly random treats from Real Time Resolutions, Dept XXXX, XXXX XXXX XXXX, XXXX PA XXXX. 
RTR File Number XXXX XXXX Other address listed : XXXX XXXX XXXX XXXX TX XXXX website XXXX
Consumer complaint received 2021-08-15
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. (NC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2022-05-05
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. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

My company XXXX XXXX XXXX in XXXX XXXX, NY sold a watch to a client for {$91000.00} receiving funds as a Federal Bank Wire. The money was sent from a jp morgan chase account to our jp morgan chase account. The funds cleared and posted to our account which we then delivered good two days later after clearing in XX/XX/2022. The bank without any warning or notification to my company decided to withdraw the funds directly from our account two months later in XXXX 2022. After speaking with the bank managers and customer support representatives they stated that the transfer which was made at a jp morgan chase branch in person was fraudulent and they are unable to honor the funds that were sent to our account. the client we sold it to is no longer responsive. 

I do not understand that if it is the banks duty to verify a client and confirm their identity and then process and send funds to another account the risk is their own. 

We send and receive hundreds of wires per month without any issue, and every time there has been something the bank has notified my company, the bank states when sending a wire that they are irreversible and that is why we only take wire payment from our buyers. 

The bank stated they are investigating this and have went cold after weeks of emails and no responses from their management staff. 

If there is fraud going on at the branch level or their inability to verify a client to prevent fraud they have to be held responsible for their lack of the proper processes in order to conduct business. I am being made the victim here when the bank is the one who is suppose to be held responsible. 

I am missing {$91000.00} from my business checking account because the bank decided to remove the money from my account without due process and against their own policies.