davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

RE : USDirect Express and Comerica Bank On XX/XX/2019 at XXXX XXXX I noticed fraudulent ATM withdrawals on my online account of over {$1400.00}. I had my card in my hands and I was at home during these ATM posts. So the card had been duplicated. I called my bank and reported the fraudulent activity. 2 hours later at the end of my call the employee stated I would receive the stolen funds within two days but at the latest by XX/XX/XXXX if I got the proper documents to her that day. 20 minutes later my attorney faxed all the papers and received fax confirmation. I called XX/XX/XXXX after still having no funds to live off of and hours later was told they had ten business days by a very rude employee. My attorney has faxed two more letters along with information and again had fax confirmation as wells as mailed via USPS. It is now XX/XX/XXXX, I am facing eviction because my money was stolen and the bank is not doing their job or standing by their Liability. My attorney has been trying to call them for days and it says " we are experiencing high call volume '' then hangs up. I am a XXXX XXXX  man with no way to feed my family or provide for them and this banking company is not standing by their publications that states " it will be reimbursed within 10 days. '' I have received no documents, emails or phone calls from this bank and its almost impossible to speak to an employee. This company should not be allowed to process any of the federal government 's funds.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I have been a longtime customer of XXXX. I made sure on my shipping details that I said : put package behind brown gate on stoop. I received two items ok, but the third, which I really wanted, was missing. It was supposed to be delivered yesterday. Yesterday morning tracking information read, there is a problem. The problem was that the driver left my package off his truck. Later in the day it showed he delivered this package with my two cd 's at XXXX XXXX. Upon checking behind my gate, there were no packages. I called XXXX customer service and they said maybe he delivered it behind another gate. I said how could that be!! My address is written clearly on the front of the building and mine is the only brown gate there. I asked to speak to a Supervisor. A woman named XXXX who said she was head of Logistics got on the phone. She was rude and condescending to me. She kept saying this package was delivered and I said where? I don't have it. She said I can't help you. You will have to call back after XXXX XXXX. I might be able to issue a refund. I said, I DO NOT WANT A REFUND. I WANT MY PACKAGE. She repeated this at least six times to me and I responded the same way. She said maybe it was stolen. I  said that makes no sense because my gate is locked. She kept coming up with excuses instead of contacting the driver to find out what he did.I have never dealt with such an arrogant person as this at XXXX before. I have an XXXX and XXXX XXXX XXXX. I made sure I took care of customers. I told her I was reporting her to various agencies. She didn't care. I even reported this to XXXX customer service and got no where. If this is the way I will be treated going forward, I will refrain from doing business here. I Never in my life had someone like XXXX tell me to go looking in the bushes. What bushes??? The neighbor 's bushes??? Is she crazy. Maybe I should go to the media with this. I am outraged with this person and the whole situation.
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (VA)

Conns Home plus issued me personal loan for appliances. I make payments weekly. I called in to request statements for my loan to show not only payment history but, how my weekly payments are being applied ( interest and principle ). I was told that due to the accounting rule 78 and having the type of loan I have ( verified it is an interest-bearing loan ) they are unable to provide a breakdown of how my payments are being applied. I have never had a loan where a statement is not supplied. I was told that I have a 0 % APR at the time of purchase in store but told over the phone that I have a 29 % APR. This now brings UDAAP into question. I am seeking the assistance of the CFPB to obtain statements showing how my payments are being applied, and what my actual interest rate is. Detailed payment history is not provided online nor upon request.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

I own a Barclays XXXX card with XXXX rewards in 2018 I've been outside the United States and when I came back the balance on my card was very high I requested for statements and during the process of going through the statements I found a charge of {$600.00} balance transfer for XXXX XXXX  you can request and I will provide the Consumer Financial Protection Bureau that I do not have any XXXX XXXX  card so this balance transfer was obviously unauthorised I contacted Barclays Bank and they very rudely denied this offer by saying you have another balance transfer on the same date what a lie this company has been giving out it should be red flag attached is my statement and you can see that the other balance transfer was one month apart not the same day please help me get rid of this unauthorized charge which day are pretty much trying to get from me in an extortion manner
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In XX/XX/XXXX we had a conversation with XXXX in the recovery department. She discussed a loan account that fell under the bankruptcy law. We told her that we filed bankruptcy and it was discharged XX/XX/XXXX. She still tried to help us make a payment. When we called to make our loan payment of XXXX we were transferred to her and she took the payment. Our regular payment bounced because she sent a payment through of XXXX on XX/XX/XXXX which is the entire loan amount. When we tried to get the issue resolved by the department supervisor and a manager we were told that the issue was going to be resolved. Two days later it posted again. On Saturday I had to get help from the credit union ( a stop payment ). I have assessed fees for that and the returned payment. The supervisor told me that he wasn't sure why our credit union let the payment go through if there weren't funds available. They also sent us a check in the amount of XXXX which we returned. Yesterday I got a letter stating they tried to take the funds again and we need to submit a payment because there was a stop payment on that amount. They are still going by bankruptcy information from XXXX. I was told by XXXX today who also refused to let me speak to XXXX XXXX who I was advised to speak to directly. This has to stop because we don't have that amount for them to take. This letter also shows that they violated the bankruptcy law because the date they last made contact was in XXXX well before the limit of the bankruptcy law would have ended.
Consumer complaint received 2020-03-24
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2019-08-21
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: WELLS FARGO & COMPANY (NM)

In XXXX, I had voluntarily returned a new car. It was for a XXXX XXXX XXXX. I did in fact default on the loan due to my inability to pay the loan while pursuing my childhood dream occupation. This is my fault, I admit the fault and want to correct it. The remaining after the auction of the vehicle that was due and went to collection was {$2700.00}. 

In XXXX of XXXX after regaining financial stability and after spending and working 3 years outside of the country I attempted to repay the debt. I was told " you have exceeded the 999 days, the amount is DEBT LOSS and you will not be able to repay the remainder of what you owe. '' How is it that we live in the United States of America, the greatest country on earth albeit not perfect but a place that enables ALL people to build a life free from former discretion or social statuses and even from departing other countries. 

I want to correct my debt and pay what I owe? But I can not pay Wells Fargo XXXX, I feel as if this is unfair and violates my constitutional freedoms because I can not correct my debt and free myself from a credit system enslavement. 

I have called and tried to pay this account on numerous occasions but Wells Fargo will not accept my money. A bank that will not accept a hard working American 's money?
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

I have three student loans reporting to my credit report. Two that are settled from XXXX. One that was opened in XXXX. The two that are closed are being reported accurately. The one I opened in XXXX is being reported as opened in XXXX, and is also listing all of my old late payments from the settled loans, from XXXX. This is a NEW loan and should not be reported as such. Currently these late payments are being reported twice, once under the new loan, and another under the old settled out loan. When I spoke to Great Lakes over a month and a half ago, the lady understood what I was saying and notated in my file that she recommended that I dispute the account with the credit bureaus. I did that. Fast forward to now, this information is still showing. Today I called Great Lakes again to follow up and they have zero answers other than to dispute again. 
The open loan was not opened in XXXX, I was never late on this account, it is being reported as " worst status 120 days late '' and three times 90 days late. I would like this fixed.
Consumer complaint received 2020-04-28
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: EQUIFAX, INC. (SC)

I have mailed multiple certified letters to Equifax and XXXX   regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from XXXX that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from Equifax out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

The law clearly states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. 15 usc 1692c LVNV Funding call me several times a day, send emails constantly, they do not stop harassing me, have threatened to file legal action despite my multiple requests for them to stop contacting me and reporting to the credit bereaus.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2020-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

Pennsylvania Higher Education Assistance Agency / AES I have contacted them several times about both covid and issue with my loan being marked as " disqualified ''. This company is one of the worst customer services, they care nothing about the person and only the bottom line. When I made a inquiry about my loans not being charged interest or payment during the INITIAL covid relief act they essentially said " we mange your loan NOT US Govt so we will continue to charge interest COVID or not ''. No " I'm sorry, lets try to work this '' or " it unprecedented times we understand '' ... nope just a straight " NO '' and then went to charge me interest. They are really shady and pretty much the bottom of the barrel. I will NEVER recommend them or use them for any of my kids. By the way the I have other leanders ( thank god ) for some of my student loans ( XXXX   is one ) and EVERY OTHER one suspended payments and interest ... except these scumbags.
Consumer complaint received 2019-08-02
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've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2019-08-22
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: U.S. BANCORP (MO)

In 2016, I received a letter from US Bank indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from US Bank connected to this false address. I contacted the credit bureaus to dispute the activity. XXXX indicated they would not remove this activity from my credit report. I tried calling US Bank to dispute the report, but was put on hold and bounced from number to number for 20 minutes.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

In XX/XX/2018, I was made aware that Best Buy Card Services had been reporting my credit card as being paid late since XX/XX/2018. 
I had no used my Best Buy card for some time and didnt have a balance so I was very concerned and called Best Buy. 

Upon further investigation it was found that my card was fraudulently used in XX/XX/2018 for a purchase of approximately {$20.00}. Best Buy agreed to remove the charge at that time as well as all late charges and update my credit report to reflect what had happened. 

I have called Best Buy three more times since my initial call in XX/XX/2018. Each time they acknowledge the fraudulent charge and late fees that are on the account are there incorrectly and tell me that in the next billing cycle I will see my account updated and all charges removed. It is now nearing the end of XX/XX/XXXX, and three months has passed. My account is still being charged late fees and my credit report has not been corrected, instead they continue to report my account delinquent and have since lowered my credit line from to {$2000.00} to {$100.00} as well as continue to charge late fees on the account.
Consumer complaint received 2019-08-22
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. (TX)

Equifax ; XXXX and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (CA)

bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.
Consumer complaint received 2019-05-08
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. (IN)

I graduated from school in XX/XX/XXXX and began payments on my loans with Sallie mae that turned into Navient. There were times I had trouble paying my loans and I had to try different payment options of forbearance. I have since re consolidated my loans with XXXX however my complaint is SallieMae/Navient never gave me the option to refinace my loan so I could possibly get loan forgiveness in the future. I am a XXXX  and paid on that loan for 13 years with my balance always going up and never down. After looking at my paperwork I realize they added some XXXX dollars shortly after I graduated calling it an " adjustment ''. I do not even know what this is. I started with a balance in XXXX of XXXX and ended with a balance of XXXX. Mind you paying on it the entire time. If they told me my options I could have refinanced to a loan that allowed me to apply for forgiveness after paying on it for 10 years since I am a XXXX that works in a XXXX XXXX. Since moving my loan to XXXX in XX/XX/XXXX I have paid more in 3 years then I ever paid in 13 years with SallieMae/Navient. This is bad business and I feel like something shady had happened. I shouldn't be graduated from school for 16 years still paying on a large student loan debt. And now finally making a dent in my debt with another lender.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase World of Hyatt credit cart charges annual fee of {$95.00} on the very first day of account approval. Then in starts applying interest on the annual fee right away even if account is not activated. 

This is an unfair business practice that CFPB needs to address. 

I did not activate and start using the card until two months later. Even before any charges were made to the card, I apparently owned Chase {$96.00} ( annual fee plus interest ). 

When a month later I paid the card in full and closed the the account, Chase refused to wave the annual fee and was not even willing to prorate a fee for an account that was used for one month only. 

Furthermore, I when asked Chase to reverse any Hyatt bonuses earned on a card in exchange for waiver of the annual fee ( similar to contract rescission ), which Chase refused as well. Granted, after hearing my arguments, customer service offered to waive late fee and {$1.00} in interest as accommodation to a long-standing customer.
Consumer complaint received 2018-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

Loan issued by XXXX XX/XX/XXXX for {$5000.00} USD, payment plan of {$490.00} per month starting XX/XX/XXXX. Paid to date {$11000.00} with an balance of over {$27000.00} to date. Excessive interest rate well over 200 %, this company is exploiting low credit score & Poor American people in these outrageous over the interest rates. I have been struggling repaying this loan back and they have been paid over 100 % to date. I seen an news report on my local TV station XXXX XXXX in XXXX XXXX XXXX XXXX about companies like this. Our current rental market is beyond ridiculous and to struggle to pay this loan will be the death of me. Loan currently has an XX/XX/XXXX payoff date. At this rate I still have a balance of {$27000.00} ( breakdown 56 months at {$490.00} ) this should be an illegal practice. Can you please help me?