davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX - XX/XX/XXXX I ordered from XXXX XXXX two women 's suits that totaled {$590.00}, debit from my XXXX XXXX XXXX. I telephoned XXXX XXXX many many times XXXX XXXX, which responded they credit the money back to XXXX XXXX XXXX due to I did not get the garments. XX/XX/XXXX I received a call from " a said to be '' bank employee XXXX of XXXX of the " assumed '' bank fraud department dispute department and he was very negative. This has been an on going battle and I have yet to receive my {$590.00} as a credit to my checking account. I feel I am being scammed. 

Wells Fargo, XXXX XXXX, XXXX, New Jersey. I made reservations for the XXXX XXXX XXXX, XXXX, New Jersey for XX/XX/XXXX, which appears as XX/XX/XXXX in the amount of {$480.00} XXXX using my debit card. Details XXXX authorized on XX/XX/XXXX XX/XX/XXXX. by XXXX XXXX XXXX , XXXX XXXX , NJ and I cancelled and notified the bank I cancelled my reservations, but they debited my debit card and will not return the {$480.00} " was his statement ''. He stated it is over a year old, but I cancelled in XX/XX/XXXX ahead of time. This bank was XXXX XXXX   XXXX XXXX, XXXX, New Jersey, but transferred papers appear Wells Fargo Bank, N.A. 

I would appreciate your help. I checked my statements and have not found them to be credited to the debit card, The last complaint is the banks continue to cancel my debit cards and issue new cards, which may credit to an open account of which I evidenced as a employee of banks. This could lead to scams. Many individuals knew I had a successful brain operation, which explains I am not handicapped in my thoughts. Thank you Honorable XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2021-11-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

this message is for XXXX and Equifax concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX XXXX calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (AR)

Sun-Trust Bank has freeze my checking account since the past 7 days due to some Cashier check I purchased with my credit card and authorized to them that I did purchase it with my funds, they still yet to open my account and has resulted me in great loss with my customers and business ethics. I need them to open my account and release my funds to me so I can assist clients who paid into my account for there jobs to be done. 


Regards XXXX
Consumer complaint received 2019-01-26
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. (WA)

I have an IDR plan that I have been trying to renew for weeks I have submitted the IDR paperwork twice. I have sent Navient 4 emails - I have never received a response from Navient. Now they are saying my loans are 2 days late. 

In the past they hid the email form on their website making it almost impossible to find. Now it is impossible to find. I've been looking for an hour. 

Navient is a highly unethical company. My loans are now late because they refuse to communicate with me about renewing my IDR.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX I attempt to get a HELOC to purchase an investment home. I needed to update the credit bureaus to reflect my new name. XXXX and XXXX both updated the information in a timely fashion. Equifax, sat on my information until it was " too old '' so I had to resend them new information. This was on XX/XX/XXXX. I called yesterday ( XX/XX/XXXX ) to check to see if they had updated my information and the representative I talked to stated they had not received it. Well, I sent them XXXX faxes, with the same information since they neglected to take action on the first fax sent back in XXXX. We are going on 5 months now and they are the only agency that hasn't updated my information and are prohibiting me from using my credit to purchase a home. I am a XXXX veteran and a United States Citizen. Im simply asking for my information to be updated ASAP. Ive played the " it'll take up to 5 days to input your information '' game twice and as stated above we are on month 5. If this doesn't resolve the issue I can only assume my next course of action is a legal one.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CT)

Comenity Bank 12 month promotional (XXXX  XXXX)Invalid interest and fee charges: $XXXX total Last statement: Due Date payment XX/XX/2019 Owed $XXXXPayment of $XXXX went through on XX/XX/2019 Hello, I have been a XXXX XXXX customer for years now. 12 months ago we bought a set of wedding rings on a 12 month promotional plan, interest free. I have been paying my monthly payment on time every XXXX of the month to Comenity Bank (XXXX  XXXX Credit card Bank) since I am a good customer. When we bought the rings they explained to us that we would have no interest if paid in full by the last statement due date which was XX/XX/19. My payment on the last statement went thru on XX/XX/19 which is perfect according to the due date listed in the statement under "Payment Information." (Payment due date) I paid all my 12 statements on the XXXX of every month required by the due date.I spoke to their customer service department and they had said that the Real Due Date was in a small box in the middle of the statement page, and that box was not even on every statement only the last couple, which is a very deceptive way to have the customers not notice it. Every customer knows that the due date is under their payment information and that due date listed XX/XX/19. I believe this is very deceptive way for the XXXX XXXX customers putting two different due dates in the same statements.Comenity Bank which is the bank that gives out the loans to XXXX   XXXX, sent me a letter saying that the charges are valid and that they will not remove those charges. I claim that the "fees charged" and "Interest charge" be removed from my account.Thank you
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. Spoke to loan officer 2. Reported to NCUA 3. Credit Union was receiving my mortgage payment withdrawn as a payroll deduction every XXXX of the month 4. Mortgage payments are due on the XXXX of each month. 
5. Credit Union was not applying mortgage payment received on the XXXX but rather they were holding on to those funds and crediting my mortgage at the end of the month or the following month. 
6.this practice by the credit union severely impacted my credit in a negative manner.

7. Have requested from Loan Officer to refinance my loan due to the high fixed interest of 10.5 %.

8. Officer has refused to assist.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to XXXX XXXX as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with XXXX XXXX as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XXXX and XXXX timeframe which I can prove is in error ( See attached highlighted documents ). 
I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XX/XX/XXXX of each month, with that being said my payments were made within the limit of the following due date before the XX/XX/XXXX of the each of the reported late months as shown in the attached statements. Under the XXXX, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that XXXX XXXX is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XXXX and XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XXXX and XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( Experian, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
Consumer complaint received 2019-10-22
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: ERC (CA)

It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.
Consumer complaint received 2019-10-22
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. (FL)

The amount that I borrowed has almost tripled. I'm confused on how my student loan balance went from XXXX to XXXX. I believe there is a gross mishandling on my student loans and now i owe a substantial amount that I can not afford. I need help in figuring out how it has gotten this bad. I wasn't clearly explained my options when my income was lower and pushed into forbearance. Now I'm in a big mess
Consumer complaint received 2022-11-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX has repeatedly charged me late on payments when in fact Im not late cant mail a payment in the mail they say they never receive it I call to pay it they charge me extra money I pay on there website it takes to long to receive payment and they charge me late Ive disputed every time and won the case but Im just tired of the emotional distress of my credit score dropping XXXX points my family depends on my credit please help me with is bunch of XXXX
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (NC)

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

For reasons I do not understand, I discovered that a fraudulent Chime account was created in my name, using my email, XXXX, mailing address, and other personal information. I called Chime to try and report this fraud, however could not talk to a real person. To make any progress to address this problem, I had to setup an online profile and download the Chime app. Upon opening the app for the first time, I was immediately offered a four figure loan, which I declined. I opened the chat function in the app to explain that my account was fake and the result of identity theft. Chime Support replied that they could help me, but the only way to close my account was to provide Chime ( who may very well have a hand in this fraud ) with the last four of my SSN. Initially I refused to do so, but seeing no other option, I closed my account via the app ( providing the requisite information ) and promptly deleted the app from my phone. A few days later I received a Chime credit card, which I destroyed. A week later, I received a client communication from Chime, despite the fact that I have done what I can to close the fake account and discontinue any relationship with the company.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

On XX/XX/22 XXXX22 Several charges and transfers as well were made on my account online as well as in post office in XXXX XXXX and XXXX XXXX  money orders in a row on XXXX and XXXX of XXXX. CHIME Bank is denying my claim
Consumer complaint received 2022-10-21
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. (NV)

I have someone elses social security number and all their personal info on my Equifax and I found it out in XXXX of this year and we have the same name exact birthday and live we live in the same city and I have been getting mixed up with her over 13 years since I moved to the same city in 2009. I reached out to Equifax and sent them my ID but they changed some but not all of the info. Now it is half her info and half of mines.It has kept me from financing, getting credit cards and other things as well as stress not knowing if she has my information. I screened shot all the info as evidence and saved it to a file.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My son ( who has a joint account with me ), unknowingly deposited a fraudulent check for {$2700.00} into his account on XXXX XXXX for the sale of a bicycle for which he was asking {$700.00}. The person who sent him the check asked him to electronically transfer a portion to them ( {$2000.00} ) to a QuickPay with XXXX payment to " XXXX XXXX XXXX ''. The bank made the funds available to my son right away ; even though it was significantly more money than had ever been in the account and the check was a personal out of state check. My son believed that he confirmed the check had cleared by seeing that the funds were available in the account prior to transferring money the following day ( XXXX XXXX ). A few days after the funds had been electronically transferred ( XXXX XXXX ), the check bounced as having been from a non-existent account. 
We filed a complaint with the bank ECW # XXXX and the bank has claimed that because it is a joint account, and I have a long standing relationship with the bank the funds were made available right away. They also said that there are many criteria that determine when funds are made available, but didn't share those criteria with me. 
The same bank wouldn't give my son a credit card ( with only a {$500.00} credit limit ). When I stated that this was a much bigger loan, that we didn't even ask for, the bank said " this wasn't a loan ''. 
We ( my son and I ) have filed a police report with the local police and filed a report with the FBI online.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax will not remove a business account from my personal credit report, even after they investigated. They also refuse to remove false inquiry information that i have disputed as fraudulent on multiple occasions ....
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (KY)

I have a NetSpend card and was charged by a couple merchants I shouldn't have been. I filed a dispute and one vender returned my funds to them but they are holding it till the other company does the same. It has taken months. This has put me and my XXXX kids in a financial bind. They have my money from the one merchants and are keeping it to draw interest for their own benefit. They told me first I would get it back as soon as NetSpend received it. Now they are saying they won't until the other 2 disputed accounts are finished being investigated. This is really hurting me and my family so much. They keep saying a manager or the dispute department will call but they never do. I want them looked into if at all possible.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Back in XX/XX/XXXX I made XXXX payments on my Citi XXXX card in the amount of {$25.00} & {$40.00}. The {$25.00} payment was paid manually on XX/XX/XXXX while the other payment of {$40.00} was taken out on XX/XX/XXXX. I had honestly forgot to cancel the the autopay payment of {$40.00} bucks. By the time I realized what happened the payment was taken & my checking account didnt have enough funds after the XXXX of XXXX because this account is set up to pay specific bills so theres a certain amount of money in this account. 

Realizing what happened I called Citi and spoke to a representative & asked for the {$25.00} payment back to cover the {$40.00} auto payment which normally gets taken out my checking account in 3 days. I also added money to my checking account just to make sure the payment was covered for XXXX. But that didnt happen because I was hit with a return check fee of {$20.00} bucks & then after that happened it just seemed as if Citi was just out to target my Citi XXXX card. 

In XX/XX/XXXX I received a letter from Citi stating my account is closed. XX/XX/XXXX to be exact I also have it in the attached documents. I really didnt understand why my account would be closed over a return check fee & a missed payment so thats when I called and spoke to a Citi representative in which the representative did an application to reopen the account. The account was never reopened and I received a letter on XX/XX/XXXX saying were unable to reopen your account & that letter is also in the attached documents. Also I made a payment of {$40.00} on XX/XX/XXXX, so I made up for XXXX & while paying XXXX bill even though my account was closed for NO REASON. 

I say NO REASON because this is the ONLY year which I had issues with my Citi account. I received XXXX return check fee & missed XXXX payment does that mean my account should closed the next month? Ive had this Citi account for at least 5 years never missed a payment and this is how my account is treated? Its RIDICULOUS & annoying because it took no time for Citi to close my account.