davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
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: Verisk Analytics Inc (AR)

CEASE PULLING OR EXCHANGING DATA OR RECORDS FILES ETC. WITH XXXX  XXXX PURGE ALL DAT IN MY NAME SINCE BIRTH XXXX XXXX XXXX SSA XXXX DOB XX/XX/XXXX OR FACE A CLASS ACTION LITIGATION WITH TRANSUNION.
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

In XXXX and XX/XX/2018 It says I missed Payments. I thought my Student loans were still in deferment. I am was in financial hardship and couldn't afford any I didn't know the information needed to see my status of delinquency at the time. The balance had gotten up to {$920.00} and I couldn't afford that. I reapplied to deferment and got approved again but the damage was already done and my delinquency was reported to the credit bureau.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (OH)

So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said syncB national credit cards/airlines and Ive never applied for anything like for anything before. I called synchrony bank they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Consumer complaint received 2019-02-18
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: EQUIFAX, INC. (MO)

XXXX is reporting accounts that are not verified properly. I have not been given any proof that these accounts belong to me. Also, showing 17 late payments and 10 collections. All accounts were sold to different creditors that I have no contracts with the original creditor nor the companies that the said debt was sold to. All contracts were breach by original creditor when debt was apparently sold to debt collectors that I have no contract with.
Consumer complaint received 2017-05-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Spoke with Creditor who verified accounts were  not mine and would be removed. Transunion is still reporting these accounts  XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, around XXXX XXXX, I received 3 phone calls from the Chase Bank Southwest Premier Customer Service number : XXXX. I did not pick up the first two times they called, as I did not recognize the number. After the third call, I thought it may be an emergency, so finally I picked up. The person on the other side was a male voice, who said he was from Chase Fraud services calling me to verify if I had made two recent transactions. The first he mentioned was from XXXX XXXX for an amount I cant remember exactly but somewhere in the {$200.00} range. I said I did not authorize that transaction. Then he asked me if I made another transaction for around {$200.00} at a place I didnt recognize the name ( I also dont remember exactly what place that was ), the name had the words XXXX  or XXXX  in the name. I told him I did not authorize that transaction either. He then said he would cancel the transactions for me and cancel my credit card ending in XXXX. Then asked me to confirm my identity using a 6 digit code he was going to send to my phone. I received the text message 5 minutes after I received the incoming call from XXXX ( at XXXX XXXX  ) and I didnt read the what the text message said, I just read off the number to him. He then said to confirm my address so he could mail the replacement card to me, so I gave him my address. He said I would receive the replacement card in 3-4 business days. When I didnt receive the card by the 5th day, I thought it was strange. I had not received an email confirmation that my card had been canceled nor did I receive an email stating a new card was being shipped out. Thats when I checked my Chase account online and noticed the charge to the XXXX XXXX for {$2400.00}. I immediately called the Chase number on the back on my card to report the fraudulent charge and told them this same story. Apparently the person who called me was spoofing the Chase Fraud Services phone number and used the 6 digit code to authorize my credit card to be used on an XXXX XXXX  XXXX. 

After sending Chase Fraud services evidence of the text message with the 6 digit code they had sent me as well as a phone record that I received an INCOMING call from their Customer Service line on XX/XX/XXXX at XXXX XXXX, they still denied that the {$2400.00} was a fraudulent charge and said I was responsible for the charge.
Consumer complaint received 2020-09-16
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.
Consumer complaint received 2019-02-18
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: Innovis (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

I, XXXX XXXX, had a Joint checking acct. with my Mom, XXXX XXXX. She passed  two years ago. I closed the checking acct but forgot about thye savngs acct. The savings acct was not a conventional acct. It debited {$1.00} every time we bought something with the checking acct. No paperwork or written info was ever given to me. The teller signed me up for the program. 

I received a statement every three months telling me the balance. I tried to withdraw. Wells Fargo wouldn't let me. Later I went to the bank to get this straightened out. I was told I needed a death cert.. I finally got the cert.and gave it to Wells Fargo. They called some bank Exec. The lady I spoke to told me the bank wouldn't give me the money until I provided Burial Exspens. 

The money in {$130.00} I am a senior, XXXX and really need the money
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX  uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan has put a hold on a check for {$32000.00} deposited to my checking account on Saturday, XXXX XX/XX/2020, or 11 days ago. At a time when a XXXX payment from the same account takes a few seconds to go through and wire transfers are completed in 24 hours, holding a check for over a week and counting, that is written on XXXX XXXX XXXX XXXX, Florida is unfair and abusive. 

I spent over an hour on the phone trying to find out why they will not credit the check to the account. In typical fashion, the local branch in XXXX, NJ where it was deposited had nothing to say about why a hold was put on it while it refused to release the hold. Similarly, someone at a toll free number in Texas also had no explanation and claimed, falsely, that all checks deposited to this account are treated in this manner. Yet it is the only check they have treated in this unjustified manner. Along the way, people refused to fully identify themselves and one in Texas even refused to say who her employer is. It appears that she works for some third party contractor to JP Morgan to monitor fraud. 

For years I have complained to the CFPB that no one services this account. Despite what JP Morgan claims, nothing has changed. Each phone call takes an hour or more, most of which is spent on hold waiting for a person to come on the line ; false claims about what the facts are made habitually by people I talk to ; and problems are never resolved in any reasonable or timely manner.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I was offered a promotional no interest period through Care Credit from my XXXX  office to pay for a {$2500.00} procedure. This was the total charge on the card. No other charge was ever made on the card. I was told that if I paid automatically via bank transfer on time each month, I would not be charged interest. The credit card company set the automatic payment amount. I paid every month with auto-draft and never missed a payment. After 18 months, the credit card company added an interest charge of {$1000.00} and has since been charging interest monthly for a total year to date interest charge of {$1100.00}. The advertised interest rate on the card is 26.99 %. The amount of interest I was initially charge after the end of the promotional period was 45 % of the original charge. ( {$1000.00} interest fees on {$2500.00} charge ). This is outrageous and I would have never used this card had I known this was what they were going to do. I tried to resolve this with the credit card company on multiple occasions. One customer service rep admitted that Care Credit ( aka Synchrony bank ) purposefully does not let the consumer know they are only setting them up with the minimum payment which will not result in a payoff within the promotional period. I specifically requested to have this set up to pay off within the promotional period when I set up auto payments.
Consumer complaint received 2020-02-14
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: WELLS FARGO & COMPANY (FL)

I have recently discovered that Wells Fargo opened a Fraudulent credit line in my name without my authorization. I have contacted Wells Fargo customer support and was of course confused at first not looking into or being knowledgeable about the big scam and I made a case about it, and they did an " Investigation ''. Wells fargo concluded that I willingly opened an account and they left a note on my credit score that I'm in debt to them. Now I can not open a creditline or get approved anywhere, I had no  previous credit history before so I imagine that made me a target for them. In late XXXX at a height in the scandal I was XXXX years old and at that time I was not interested in opening a credit line, although I had a debit card, not with wells fargo. According to them The account was opened XX/XX/XXXX the same Month of my Birthday. I also had been out of the country one month later, I left in XXXX and had no credit lines opened to my knowledge. I have researched on the fraudulent scandal Wells Fargo committed and how many citizens were affected I don't only feel concerned for myself but offended for the other people who had to go through this. I would like to find a way to get this off my credit score and have Wells Fargo harassment stop. Because they now want to collect roughly 1,200 dollars that I never used.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.
Consumer complaint received 2020-04-09
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX  XXXX {$4000.00}
Consumer complaint received 2020-02-14
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. (IL)

I've been disputing with Equifax on an existing debt collection account ( XXXX XXXX ) that they keep reporting. XXXX   and XXXX  have deleted this account due to unverifiable documents while Equifax continues to respond that the account is verified. I've disputed online and and recently via mail. How can Equifax continue to tell me this account is verified when no documentation has be sent to me and the other two bureaus immediately deleted the account due to unverifiable documents?
Consumer complaint received 2020-03-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX  XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do.
Consumer complaint received 2017-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On  XXXX   XXXX ,  2017  I submitted a domestic wire transfer request to transfer {$10000.00} from my brokerage account at  XXXX   XXXX  to  XXXX   XXXX   XXXX  's account at Bank of America. I inadvertently entered the wrong receiving account number for  XXXX   XXXX   XXXX  's account, i.e. I omitted  XXXX  digit. On  XXXX   XXXX ,2017, the money was returned by Bank of America, minus a {$45.00} fee.  <P/> Since I had no contract or agreement with Bank of America to pay any fees, I do not feel Bank of America has any right to take a fee from me. Of note, Bank of America 's normal fee for an incoming domestic wire transfer is {$15.00}, which makes their taking a {$45.00} fee from me, and I am not the receiving party, even more unreasonable. As the sending party, I have agreements and obligation only with my bank,  XXXX , which does not charge me a fee.  <P/> Therefore I am asking that the {$45.00} fee taken by Bank of America be returned.