davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: KEYCORP (OH)

I closed my Key Bank account in XXXX. I had a credit card linked with the bank and asked to close that as well which they said they could and did. I told customer service at this time that I have not received a bill for the credit card either by email or by mail and they said it was just being sent out and I would receive it in the next few weeks. I am in the market to buy a house and found out that Key Bank put a nonpayment on my credit report. I called customer service again in XXXX several times, each time being disconnected or being passed around to the wrong department. My initial {$29.00} bill had become {$130.00}. I had still not received a billing statement and did not want to pay all the late fees etc and admit that I was at fault without a bill. After several more calls in XXXX, and being passed around to different bank departments I was still not able to talk with the right people regarding paying my bill and fixing my credit. I contacted the bank in XXXX and was told they would request all the fees dismissed and asked me to call back in a few days. I called back and was told all fees were dropped but they had no authority to fix my credit even though they stated they were at fault. I paid the {$29.00} that I owed and was told that I would have to submit a complaint to the cfpb to have my credit fixed. I am very angry that my credit can be destroyed without my knowledge when I am not at fault. It has cost me much time in phone calls, disconnects etc. I am waiting for it to be fixed so that I can get a mortgage without having to pay a higher interest rate. Key Bank customer service stated that this has been happening to other customers but it seems like they have done nothing to fix the problem of billing and causing hardship to customers.
Consumer complaint received 2021-09-17
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. (NY)

this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have XXXX kids and my husband and I have lost our jobs due to COVID-19. I was set up on automatic withdrawal for one of my credit cards with them. Something happened with their system and it didnt deduct it. I received a email saying it was past due. I immediately called them to sort out the issue. The first rep kept lying and changing the subject, was very rude! I explained the situation and just tried pawning me off to another department. They couldve easily waived the {$50.00} late fee and just gave me some made up lies. They would rather justify stealing from innocent people during a tough time. I have never ever been late with them. Instead they would rather have my kids go hungry for their own benefit! This is the problem with our country greedy scumbags like the entire Citibank!!!!
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

I had five accounts with Synchrony Bank and in the end of XXXX Synchrony Bank unexpectedly and suddenly closed them. They stated their reason was Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 

This reason is a lie. The activity on my accounts was perfectly normal as was activity on every account Inhave or have ever had. Later, Synchrony Bank lied again and stated it was because I had too much credit with them. Were that true, they would have reduced my limits or only closed some of my accounts. 

The FCRA and ECOA requires a specific and valid reason why adverse action is taken. It is common knowledge that Synchrony Bank is suffering financial distress and is currently in a campaign closing tens of thousands of perfectly maintained accounts with often bogus, incoherent reasons and failing to comply with the ECOA and FCRA. It's likely they are either redlining or taking age into account when closing accounts.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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. (MS)

I never heard of this company before. I am not the owner of the following accounts..I did not open an account or signed a contract with these companies. They do not have any business with me.. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (OH)

This is about paypal credit. I opened the account because I got an email offer but it wont let me buy anything with it and PayPal doesnt have the best customer service so I would like to request something be done about it. Thank you
Consumer complaint received 2020-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

Cares act directed all student loans to be placed in forbearance and allowed for refunds of automatic payments past XXXX XX/XX/2020. I requested the refund as the forbearance time did not affect my PSLF and payments would be made under the fares act. My email request was never answered but when I called 4 months later asking why it had not been acted upon they said it is always better to call directly. I explained that I had used there email option due to XXXX XXXX military move and they said always call. I am disappointed with the response in that they had an email option to request refund. I feel this is predatory in nature on fedloan.
Consumer complaint received 2019-07-25
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)

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach XXXX XXXX XXXX Amount XXXX Date opend XXXX XXXX 2017 2017
Consumer complaint received 2019-07-25
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)

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NV)

I pay off my personal load back in XX/XX/XXXX why are you guy still charging me? I kept seeing money being withdraw not made by me, if this is the chase i want a new banking information because i never asked to re apply for a personal loan
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (CA)

We contacted Pinnacle Recover in XX/XX/2020 regarding an email with an amount due. Pinnacle Recovery stated there was non an amount due, they had no record of an amount due and stated the email was sent in error and ignore it. 

XX/XX/XXXX we were contacted again by Pinnacle through email. We again called and inquired about the info sent. Pinnacle stated nothing was due and they had no record of us or an account being past due. 

XX/XX/XXXX, we were sent another email, now with a higher total. We called and the person from Pinnacle stated there was no account, but wanted to check some other info. After a discussion for 15 minutes, the Pinnacle person stated there was an account noted as past due but there were multiple computer accounts in their system which they incorrectly created ( in their system ). We discussed that we also contacted XXXX  in XXXX and we were told the account was current. The person at Pinnacle stated there was a small fee due, then combining all of the accounts, it was much higher. 

In order to keep our credit clear, and at the time of payment, there was no derogatory remake on our credit report. Pinnacle added a derogatory remake AFTER the payment was made. This is a collection tactic to abuse their power and harm paying customers. 

The remake needs to be taken off of my credit report, effective immediately. The remake is an attack to show dominance and is a hate crime.
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-10-18
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: U.S. BANCORP (CO)

Hello, Please look at page 14 of the document I provided. 


I have dispute the US Bank account on my XXXX credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. XXXX is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because XXXX inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how US Bank and XXXX report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have emailed Navient many times throughout the life of my loan which started in 2011. I have paid way too much interest over the life of this loan. I can not restructure my loan, I can not pay down the principal. I'm asking for someone to look at the structure of this loan. I want to pay this loan back FAIRLY. I have already paid {$25000.00} in interest since 2011. 

I still owe $ XXXX. The original balance was $ XXXX. This does not make sense to me. 

Please help me understand this loan structure. I'm hoping someone will call me to provide me guidance. 

thank you, XXXX XXXX XXXX I will upload my loan summary so you can see the details. See page 2 of 3 please.
Consumer complaint received 2019-07-25
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. (NC)

Consumer contacted XXXX to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX ( name given ) that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with XXXX on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.
Consumer complaint received 2019-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

THIS IS A SECOND COMPLAINT PLEASE DO NOT MARK AS DUPLICATE COMPLAINT BECAUSE THIS COMPLAINT IS IN REGARDS MY MORTGAGE ASSISTANCE APPLICATION DENIED ON XX/XX/2019 This year I was facing foreclosure because I can not afford the payments for a loan that I have with Chase because with the years the payment has steadily increased from {$130.00} to {$260.00} per month, also my health and financial situation are not the same as when I applied for the loan and the living expenses increased -Property tax, utility cost, Gas prices, Health Insurance- . I applied 2 times for a mortgage assistance and both applications have been denied, Chase just offered me a short sale or a deed-in-lieu of foreclosure but both options will make me a XXXX homeless person. I am just asking to reduce my monthly payment in order to keep a place to leave, have food in my table and have all the medicines and medical treatments that I need to keep me alive. During the last 10 years or so I have been inundated with medical surgeries just to stay alive. I am a XXXX survivor and have had a lifelong XXXX issue that has become progressively worse. I have had multiple XXXX surgeries caused by other medical conditions and at one point my XXXX literally snapped in half and I needed to have emergency life saving XXXX. I have had XXXX because of all the medications necessary to live have thinned my XXXX   so much my own body started contaminating itself. The medications and the surgeries just exacerbated the issue and I had to have other surgeries to undo the damage caused. And all these things dont even begin to bring forth the light of what truly has happened to me medically. I am just trying to keep my history as private as I can while still informing you of the seriousness of my medical condition. It goes without saying that I am unable to work since I spend so much time just trying to stay alive. I am unable to work. Due to this I am unable to garner any real income to pay for this increase in the minimum loan payment amount you have just given me, to make matters worse my income will be reduce this year. I served as teacher for decades, My husband served the country in the military before pass away. I just asked to Chase for help modifying this loan I have with them, so I can make $ XXXX $ XXXX  monthly payments to the loan while I still live. The way I see it, Chase will get more money this way. Chase can always foreclose the home once Im dead and get the money anyways, but at least let me pay chase in {$100.00} installments so I can go on living my life in my home with whatever time I have left.
Consumer complaint received 2019-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hello I filled a dispute with EQUIFAX regarding information on an account that was closed XX/XX/XXXX. As of XX/XX/XXXX - XX/XX/XXXX they had reports that payments were being accepted to this account. XX/XX/XXXX was listed as 30 days delinquent. So I filed a dispute I have a dispute number # XXXX. When I tried to view the the results online per there instructions, I get please call this number. I have called this number no less then 12 times, only reaching a live person 3 times, each time they say " sorry we can not access your file at this time, please call back in 30 min to an hour. '' I believe this is an organized FRAUD they are perpetuating on consumers. This may be grounds for a Class action suit against EQUIFAX.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by XXXX.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/year>, a checking account was closed at XXXX XXXX XXXX XXXX, and subsequently charged off, then ultimately reported to CHEXSYSTEMS as a derogatory item in my name, and on a credit report with the company CHEXSYSTEMS. This account is FRAUDULENT and a result of IDENTITY THEFT. I have attached all necessary documents to provide all legally required proof of such statement, and I as the consumer do state that all information in this complaint/dispute is true to the best of my knowledge. Please remove the account from ChexSystems, and halt all attempts to hold me liable for this fraudulent account. Under the FCRA 605B ( 15 U.S.C. 1681c-2 ), you have ( 4 ) business days to block the reporting of this information. I demand that such action, under my rights afforded to me by the FAIR CREDIT REPORTING ACT, be taken immediately. I will not let my rights be violated and I will take every necessary action in order to rectify these fraudulent accounts reporting negatively against me, including pursuing litigation if these demands are not met in the allotted time frame. Thank you.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

On two separate occasions greentree/ditech has charged late fees for checks I mailed for payments on a mortgage. The checks were mailed in envelopes provided by the mortgage company ( ies ) and included the company invoice. The checks were not credited until welll over two weeks after they were mailed. This is certainly frustrating since other payments to other mortgage companies mailed at the same time were credited within a few days. Ditech must need to update their processing as they ca n't possibly be holding these checks without reason. 

Addtionally, they sent out a very confusing escrow account summary which is difficult to understand. The escrow payment now being charged is almost equal to the principal payment. Upon being questioned, they told me I would have to wait a year for a new reconciliation. This one I have does not explain the need for additional payment.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.