davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

Since approximately XX/XX/2018, i have attempted to receive my free annual credit report from Equifax. Whenever I attempt to login, I get an error message stating that the information I entered does not match what Equifax has on file. After about a week of this occurring, I contacted Equifax 's consumer assistance line. The agent who I spoke with stated that they were having an update and that's why I'm unable to sign in to receive my report. Ok, fair enough. I ask to be sent a report. The absent states she can not do that as their computers are updating as well. Odd, but I accept it. Over the course of the next 2 months attempting to access my free report ( legal right ), I am denied each time with an update being the reason everytime. One day, XX/XX/XXXX ir so, as I'm speaking to an agent in the fraud department- how a fraud alert was requested by me I'll never know, as I still haven't received a report from Equifax . I digress. I explain my frustrations of a two month update. The agent confirmed my suspicion. There's no way that Equifax could run a two month long update and still operate. He has no idea why they were lying. He verifies my identity, removes the fraud alert, and proceeds to confirm my current and previous addresses with me, checking for spelling as well. I attempt to log in. To no avail. Despite my persistence, I am unable to access my report. This past week, I have discovered the reason. Equifax keeps changing my address despite the TWO address verifications I sent in. Equifax is denying me my right to my free report.
Consumer complaint received 2018-11-29
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: JPMORGAN CHASE & CO. (MI)

I received a 30-60 days late reporting on credit reports from Chase Bank. The late payment was on my chase freedom unlimited credit card. After changing my address via Chase 's mobile app, my statements continued to be sent to my old address for multiple months. When our monthly payment amount changed, we did not receive a statement from the bank, and we believe Chase was still sending them to our old address. Because of this, we received a late payment report in XXXX of 2018. When our address was eventually changed in XXXX, we received our first statement in months, showing that we were late. We paid the required amount at this time and called Chase bank to inform them of the error. After their initial investigation they concluded no bank error was made, even though the statement were not being received, and we tried multiple times to request statements by changing our address on their mobile app. Now we have attached our credit card to our online banking, and so can see our statements online. I can attach them showing that they were being sent to an old address for months after we requested a change of address via their mobile app. I contacted them today ( XX/XX/2018 ) to ask that the item be removed, and to discuss in good faith before filing a complaint. They did not change their original ruling. They have concluded that there was no bank error, and that they do not have the capacity to remove the late payment unless a bank error was committed. However, its a fact that banks have utilized their access to XXXX reporting to remove credit reporting issues in the past, without specifically being required to prove bank error. I believe their explanation as to why they can not remove the credit reporting is false and meant to discourage me from pursuing further my endevours to reverse this ruling on my credit report. Possibly this claim, if false, could be considered unethical as it discourages those with legitimate disputes from pursuing further action based on incorrect information provided by the credit department at Chase.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check for {$90.00} on XX/XX/22 into my checking account at Chase Bank that I've had for 3 years ( History with them is much longer but I tried XXXX XXXX for a while then switched back after divorce ). This check was signed over to me for work I did. 

I then deposited a check for {$600.00} on XX/XX/22. This check was written to me for work I did.

2 separate checks from 2 different people.

The {$90.00} came back as rejected then they said the signature was forged. Nothing to do with me as everything was already filled out when I got it. But of course I have to handle it on my end cause now I'm out {$90.00} and a flag on my account. 

The {$600.00} check clears and funds become available but they froze my account on XX/XX/22 while they investigate a little more on the other check. Chase Bank then decide on XX/XX/22 that they are going to close my account. Now I had transfered some money around so there was {$420.00} with a few leftover debits bringing it to {$370.00} and my other account was at {$400.00}. They have a 10 day waiting period in closed accounts. 

XX/XX/22 - They cut checks to send me my money that was cleared and ready for withdrawal with no other bank activity still pending. They cut 3 checks : 1. {$370.00} - My main account 2. {$220.00} - My other account I set up for my daughter ( XXXX XXXX XXXX XXXX ) 3. {$170.00} - Which was mailed to me and I received. 

The other 2 checks I never received and I called and called and went into the bank. I spent Hours & Hours on hold to be transferred again and again and nobody knows and they lie to me by each person telling me something different. I ask for names and they hang up after waiting over an hour on hold. I go in there again XX/XX/22 and they finally say that they've been trying to get a hold of the person who wrote the check for {$600.00}. I said, " Why, the check cleared. '' " Is He missing the money did He call about it? '' They say, " No. '' I reply, " That's right cause he's not missing the money. '' " Your mixing the {$90.00} check with this one when they have nothing to do with each other. '' They want me to get a hold of this person and bring them into the bank and show I.D . That's insane... .First I don't know him, I never met him. I did work through a connection and he handled all the business, I was just labor. Also, I had a falling out with that connection over the {$90.00} check so I have no way of contacting the person. Besides, I shouldn't even be asked to do that by a bank. They have an account with Him, it's a Chase Bank Account??? 

So they won't give me my money and I couldn't pay rent and I've spent probably 20+ hours dealing with this. Please help. 

Thank You, XXXX
Consumer complaint received 2021-04-22
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: DISCOVER BANK (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2018-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

My spouse called in my behalf to resolve my account and attempt to avoid defaulting on my account. I recently qualified for income based repayment but continue to be passed due on my account. I do not understand how i qualified for ibr but am still expected to make such an extravagant payment to make it current and avoid default. I need help. I am trying.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I cosigned on a car loan in XXXX the loan matured in XXXX the loan was originally with XXXX XXXX and i recently found out on XX/XX/XXXX that the loan was transferred to West Lake PM on XX/XX/XXXX after the maturity date for an outstanding balance. Like i mentioned im the cosigner on the loan. When the loan was with XXXX XXXX they would call me or send a letter if the payment was late so i could fulfill my responsibility and bring the account current. I thought the account was closed since the maturity date had passed, and i didn't receive any request for payments from XXXX XXXX. I applied for a construction home loan and was surprised when i was told about several late payments that were on my credit report. I filed an complaint with cfpb and West Lake PM suggested that i file an identity thief claim but i was advised to dig deeper by legal council. I finally called West Lake PM and after 5 min or so i got a supervisor that was able to tell me what was going on. That's when i was informed that they brought the account and the same terms still exist, the account is past due and thats the reason for the late payments on my credit report. I explained that i have not even been made aware of the loan being serviced by them, they never notified me about anything. The supervisor added another phone number to my file now they have 2 working numbers on file to contact me and agreed to remove the late payments because they had never made contact with me and i had no knowledge about what was going on. Another month has reported and the late payments were never removed. I called them back and a different supervisor told me that no reported information would be changed and if they contacted me or not its my responsibility to find out what's going on with this loan and that West Lake PM is not responsible to notify me that they are even servicing the loan. I don't know how i can pay a installment payment if i don't even know a payment exists. please help
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Throughoutthelastfewmonthswehavehadawebsite(XXXX)withdrawanddepositlargeamountsofmoneyintoourbusinessChaseBankingaccount.Wehaveattemptedtoresolvethisissuewiththebank,withlittleluckorinformationgiventous.Thechargesbeganwitha"test"onXX/XX/2018XXXXdepositedXXXXintoouraccountandthenanotherdepositofXXXX.Twodayslater,XX/XX/2018,XXXXwithdrew$XXXXand$XXXXintwoseparatetransactions,thenXX/XX/2018theywithdrew$XXXX.AgainonXX/XX/2018theywithdrew$XXXX.AtthistimeweapproachedthebankandwerecreditedonXX/XX/2018,theamountsof$XXXX&$XXXXintoouraccount,onXX/XX/2018thedeposited$XXXX.(WeareunclearifthisCREDITwasmadebyChasebankorthewebsite)XX/XX/2018theChaseBankreturnedthefundstoouraccountonlytohave$XXXXbeattemptedtowithdrawonXX/XX/2018,thankfullywemovedourmoneytoadifferentaccountonXX/XX/2018.LastMondayXX/XX/2018thebankwithdrewallofthefraudchargesain.ThemostrecentwithdrawwasmadeXX/XX/2018wheretheytookout$XXXXand$XXXX.AfterthesetransitionsChaseBankclosedouraccountwithoutanykindofnotification,andwhenaskedareoutwardlyrudeandtolduswewerenolongercustomers.Thetotalnumberoffraudchargesequalsto$XXXX.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MI)

While shopping for new appliances on XX/XX/XXXX at sears.com I was offered 10 % or up to 18 months interest free if I applied for and used a Sears store card. I used the provided apply and use now " button ''. I completed the application process and was given a credit line of XXXX by Citi bank After doing so it asked me for the full account number, expiration and security code. None of witch were provided to me. I attempted to log into the credit card site it wanted the full account info, expiration and security code to proceed. 

I called Citi bank. They told me I would have to wait for the physical card to make a online purchase. I explained to them that I was offered a discount and applied to use the card now. They informed me that I had to wait for the physical card. I could use the account only in stores by having the cashier look up my account with my social security number. I asked to speak to a manager and was placed on hold and after 10 min was either hung up on or got disconnected. 

I called back and was told by this person that Sears online would have to deal with this and was transferred over to them..The person I talked to immediately transferred me back to Citi bank. I explained the situation to this poor rep and asked to be transferred back to Sears online customer  service and was hung up on or disconnected. 

I then called Sears Online and explained the situation to the rep and asked for a supervisor. The reason I gave was that I was offered 10 % or no interest for applying and using a Sears card. That I had been informed that I would not be able to use the account without the physical card. I wanted to know if I purchased the items would they be willing to give me a 10 % discount or would they be able to reverse the transaction and put it on the account when I did get the card. I was asked to hold, after 20 min I got a automated message in Spanish ( which I don't speak ) and hung up on. 

I then called Citi bank again I told the rep that I wanted the account closed and it reported that it was opened under fraudulent circumstances. I explained to the rep that I was offed a substantial financial incentive to open the account. A incentive that was not honored. The rep stated that I willingly opened the account so it was not fraudulent and that it was not Citi bank 's responsibility that the terms were not honored. They then closed the account, told me to have a nice day and hung up. 

All this took 4 hours of my day. I did order my items off Sears.com with  my debit card. 
Citi bank now has my complete info with wages etc.and I took a hit to my credit score. No parties feel obligated to honor the original promotion that started this mess.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened a checking account with Citi bank to get bonus cash. Requirement were to fund the account within 30 days with {$15000.00}, hold the funds there for 60 days. After that requirement met, I was supposed to keep at least {$10000.00} in the account for 90 more days to obtain {$400.00} bonus. All requirements described above were met and confirmed by multiple Citi supervisors. 

The account was funded on XX/XX/18 and the refund shouldve been in the account no later than XX/XX/18, which never happened. 

I opened a complaint on XX/XX/18 with Citi bank, they acknowledge the mistake, however stated it will take 20 more days to resolve the issue. Until the issue resolved, I will have to keep the funds in the account, otherwise they will charge a fee, which makes over 30 more from the due date. 

I can provide the complaint case if needed
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank ( SYNC ) lowered my credit limit on two accounts. One account was lowered from {$2500.00} to {$1200.00}. Another account credit limit was lowered from {$1000.00} to {$500.00}. I had paid off both cards, and there is no reason for them to lower my limit.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Equifax refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX  fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Equifax countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I also filed a Id theft report numbered XXXX
Consumer complaint received 2022-09-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXXBalance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX}
Consumer complaint received 2018-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

In XX/XX/XXXX I began working as a post-doc at XXXX  XXXX, which qualifies for PSLF. I have been working to get my student loan payments into PSLF and on the correct payment plan since before they even came due from grace ( XX/XX/2018 ). I managed to get PSLF status and transfer to XXXX XXXX. I paid XXXX prior to having a payment due because of the switch from XXXX. XXXX has placed my account in paid ahead status, which I requested repeatedly to have permanently removed, as this prevents payments from being counted towards PSLF ( called XX/XX/2018, agents # XXXX and XXXX ). I was told the status was removed. It was not. I paid {$60.00} in XX/XX/XXXX ( on a {$58.00} payment which showed owing nothing ). My bill is still showing paid ahead status, and in this status I can not make PSLF-qualifying payments ( at least they do not show up on my statement as qualifying, per my XX/XX/XXXX payment ). I called again today ( XX/XX/XXXX ) and was told that the status was removed previously, but the loan still shows as paid ahead for XX/XX/XXXX. I have set up to only pay the required payment for XX/XX/XXXX, but I need to pay more than the set payment as this will not cover interest and my loans will balloon. If I end up moving out of government work/PSLF-qualifying work, this will cause me to owe an insane amount of money. This should be simple, XXXX should be able to apply any extra payment to interest/principle as requested repeatedly ( I have also e-mailed via secure system twice ) and my payments should be PSLF-qualifying. They seem to be unwilling to actually do so.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...