davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase XXXX XXXX XXXX business card on XX/XX/2021, using a referral link provided by a colleague. The referral link text promised a welcome bonus of XXXX points after spending {$5000.00} within 3 months. 

I spent {$3000.00} on the card in XXXX, and another $ XXXX in XXXX. I expected to receive the welcome bonus of XXXX points after my XXXX statement closes around XX/XX/XXXX. 

Instead, I received XXXX points after my XXXX statement closed around XX/XX/XXXX. 

The points were to be used towards a XXXX XXXX XXXX ( where you must accrue XXXX points in a calendar year ). So, not only was I awarded XXXX points less than the offer promised, the points were awarded earlier than expected ( in 2021 ), meaning XXXX wont be able to use them towards the XXXX XXXX. 

I contacted Chase multiple times in XXXX, providing the URL and screenshots of the referral offer, but they said the offer terms were in fact XXXX after {$3000.00} in spending, not XXXX after {$5000.00} in spending.
Consumer complaint received 2022-01-14
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)

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage XXXX & XXXX and now XXXX is in effect. This system acts like the XXXX and if they can't get it together the courts will .... I had enough.
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (ID)

This is not the first time that Navient has ignored the governments decision to stop the payment to student loans. They are not supposed to begin charging until XX/XX/2022. I received an email informing me to check my Navient account, and to my surprise it states that I am past due - that my payment was due in XXXX and they will be taking action to collect payment. My next payment, according to Navient is in XXXX. I have XXXX loans through them, a mix a stafford subsidized and unsubsidized loans. They also report non-payment to credit agencies, which hurts my credit score.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (GA)

I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every 6 months. That is not fair. I want the information correct and my name and address
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/21 we processed a payment in the amount of {$4500.00} for a customer. The merchant company didn't settle this transaction until XX/XX/21, when the customer XXXXs bank declined the transaction. Merchant company didn't inform us that this transaction was not settled on time and we did not get paid by the customer 's bank, the balance is still open. We can no longer reach the customer at this time. Please help us to get paid. We never received this money and the customer 's account is currently closed.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have made six attempts to resolve the two unauthorized charges on my account. 1 ) XXXX and 2 ) XXXX XXXX. I have called Bank of America customer service via their general information line. When I called I was put on hold for more then an hour. After spending over an hour with a virtual assistant at a branch who transferred d me to claims. At which point never reach a representative in the claims department. The issue has never been resolved. I request new accounts and cards. Which Bank of America then granted access to XXXX and XXXX. 

I called XXXX 's in the ( Alabama Call Center ) - Rep XXXX Case # XXXX and she refused to escalate the matter to a supervisor. She began yelling and screaming like an apoplectic child. She keep me on hold for thirty minutes. Then a individual claiming to be a supervisor XXXX ( Alabama Call Center ) - Rep ID ( XXXX ) Case ID- XXXX. She refused to identify herself, then hung up. I was able to reach XXXX who identified these two individuals. They then lied about being involved in the interactions to avoid accountability for their actions. Later admitting to their violations of Consumer Protection Laws and BOA policies.
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (CA)

My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the XXXX XXXX ).
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: INDEPENDENT BANK CORP. (MA)

I had XXXX XXXX transfer my {$750.00} balance to my regular bank ( Rockland Trust ) Initially, it looked as if they were transferring to the wrong account, so I tried to reverse the deposit. I am now being told by XXXX XXXX that the deposit went through to Rockland Trust, but the reversal was denied by them. I spoke with Rockland Trust ( Branch XXXX XXXX XXXX ) that the reversal went through and XXXX XXXX now has the money. This was also verified by Rockland Trust 's website. This happened on XX/XX/2021. I have called XXXX XXXX numerous times, Emailed them, chatted with them. The discussion always ends with them saying I need to file a complaint with Rockland Trust. 
I asked Rockland Trust to help and they refused, saying they can not dispute any transaction over 24 hours old. 

Please Help
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

I had a bussiness credit line credit card since approx XXXX  it was a continual line of credit. 
For all those years I made payments monthly. During the pandemic I was unable to make payments due to business being shut down and rent moratorium A large amount of my income is from the XXXX. I finally got business up and had a few escrow closings but I still had to pay my agents who did the transactions. I also after over two years I received some not all of the rent moratorium funds. As soon as the funds were in the account and I was going to pay some of the debts over the pandemic time without any type of written notice that I need to pay payments now they went into my acount and withdrew most of the mmoney. They never told me even after they froze the accounts I found out on my own when tried to make house payments to bring house current so doesn't go into foreclosure. Wells Fargo just says they can do it and too bad. All over their web sites they say how they will help businesses. This was the low of the low as far as I am concerned Also the representative says I still owe {$8000.00} and if I don't pay monthly they will report and damage my credit. I never got any further information in writting of the payments and where or how they need to be made. All she said was pay to me. 

You for your assistance
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I received a call on XX/XX/XXXX from USAA letting me know that account was hacked and someone had created an external account and transferred funds. They also told me that someone tried to make a transfer to XXXX XXXXXXXX XXXX for {$3500.00} and XXXX XXXX payment for {$900.00} in Fl. I did NOT authorize these transactions. After giving this person my information they hung on me. I called USAA back and later found out that the person who originally called me was one of the scammers. XX/XX/XXXX started the fraud and identity investigation with USAA. I spoke with someone named XXXX on XX/XX/XXXX and he found fraud in MY favor and i was to have all those funds back in 2 to 3 business days. A total of {$3700.00} per XXXX which was a fraud investigotor. I called back on Tuesday XX/XX/XXXX asking where the funds were. Spoke with someone now named XXXX she said she will care for the funds as NO one requested those. I was happy to hear this news. SHe later called me back and said never mind i looked into your account and didn't see a breach I wont get any of those funds and now has locked all access to my account. I have called USAA everyday since XX/XX/XXXX and there has always been a different answer to all my same questions. I spoke with XXXX today a fraud analyst and she told me to call back and dispute the decision which i will be doing. 

i called usaa on XX/XX/1924, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX at least 3 times per day I do not understand why 1 inverstigator can be so understanding and helpful and the next one was so rude, nasty and not helpful. 

ONCE THIS IS FIGURED OUT I WILL NOT BE CUSTOMER ANY LONGER How can USAA treat their customers like this that proudly served their country?
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SLM CORPORATION (FL)

requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under Sallie Mae? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? Sallie Mae couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.
Consumer complaint received 2022-01-14
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. (GA)

I have demanded a cease and desist to these debt collectors and I also demanded this consumer reporting agency to cease reporting pursuant to federal law 15 usc 1692c ( c ) they are also in violation if they continue reporting negative, inaccurate accounts to my report. This reporting agency does not have permissible purpose to report this information pursuant to 15 usc 1681b.
Consumer complaint received 2022-01-14
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: GOLDMAN SACHS BANK USA (NY)

have noticed Apple Goldman Sachs reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning XX/XX/2021 on my credit report. They have never given sufficient information to me in order validate this late payment. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2022-01-14
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. (NY)

I have been back and forth Equifax and XXXX on this XXXX XXXX timeshare that has been canceled for over a year now. Also XXXX has been reluctant in sending me a proper letter stating that i no longer own a timeshare with them and that we don't owe them {$27000.00}. 

we ( myself and my wife ) were both victims of this XXXX timeshare. we were told and promised things that wasn't accurate back in XXXX of 2019 and after a very long back and forth the timeshare was finally canceled. 

Its almost 5 years and we just want this to end.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (CO)

I got a email from them stating that I had opened a Milestone Credit Card. I had not applied for this. I called the company and they closed the card. 

Email Sent to me : XX/XX/22 Card opened for XXXX. 

Called company XX/XX/22 They closed the account. 

No money spent or taken
Consumer complaint received 2022-01-14
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. (CA)

My credit profile seems to not exist even though I had an open US Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the XXXX XXXX ).
Consumer complaint received 2022-01-13
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I SENT THE CREDIT BUREAUS AND XXXX FINANCE MULTIPLE OF DISPUTES ASKING FOR VERIFICATION OF ALLEGED REPO THAT THEY ARE REPORTING ON MY TRANSUNION ACCOUNT. 

SEEMS TO ME THAT THEY CANT VALIDATE THE DEBT, AND ALWAYS SENT ME BACK A FRIVOLOUS RESPONSE. SOMEONE IS LYING AND NOT DOING THERE JOB. 

AND I NEED NECASSARY ACTION TO BE TAKING IMMEDIATELY. 

I WILL NOT ACCEPT THE STALLS ANYMORE. 

PLEASE HAVE THEM TAKE ACTION ON MY RESPONSE. 

I WANT TRANSUNION AND XXXX XXXX TO COMPLY TO ALL FCRA & FDCPA LAWS. 

SEE ATTACHMENTS BELOW
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Asset Recovery Solutions, LLC (NY)

Asset recovery solutions has contacted me multiple times since ur asked them not to. On XX/XX/2021 I called after receiving several letters in the mail. I have received several phone calls from them, as have some of my friends and relatives. Ive asked them to stop calling and they continue to call everyone I know.
Consumer complaint received 2022-01-14
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. (FL)

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX, I graduated from law school. In XX/XX/XXXX, I got my first job out of law school. I was earning {$40000.00} a year, and had about {$200000.00} in student loan debt. At or about the same time, I contacted my student loan provider, Navient, about my repayment options. I was told I did not qualify for income-based-payment due to my loan type, so I was forced into the standard repayment option where I has to make payments in the amount of approximately {$2000.00} per month. This was an incredible hardship. In or about XX/XX/XXXX, I was fed up and called Navient again, and was now told that I did qualify for income based payments. This brought my student loan payments down significantly. I did not pursue the matter further, simply happy that I could afford to live. Fast forward to today, when I heard about the Navient student loan settlement and learned, for the first time, that I was not the only one they did this to. I also see that the proposed reimbursement for each eligible borrower is about {$200.00} ( a small amount compared to the $ XXXX taken ). I do not if there is anything that can be done at this point, but I want to at least file the complaint so that this does not go unheard.
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NY)

Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )