davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (MO)

I contacted an A/C company ( XXXX XXXX XXXX XXXX XXXX ) for repair a few weeks ago. I spoke with them on the phone before they came and they promised they would provide a solution. The technician arrived an hour late and look a brief look at the system. He told me he was not able to fix it and walked away. I had to call another A/C company and they came over and fixed it quickly. 

The first A/C company charged me {$100.00} for the home visit. I felt this is extremely unfair because they did not provide me with any solution as promised while another A/C company fulfilled the job fast. It is very deceitful for the merchant by just collecting home visit fee without doing any real work. 

I contacted Chase for disputing this charge. The rep was not interested in my arguments at all and only said they could not help me with the claim. I felt they did not try to help me, the cardmember, work things out. They just wanted to close the case. This charge is an extremely unfair one to the cardmember and Chase chooses to not to back its customer up.
Consumer complaint received 2018-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

In XX/XX/XXXX we signed a HFA refinance that contained a 60 month " Monthly Insurance Premium ''. The original mortage holder was XXXX XXXX XXXX XXXX That loan was subsequently sold to XXXX XXXX XXXX XXXX and then to Rushmore Loan Management on XX/XX/XXXX. 
I have contacted Rushmore on several occasions, plus sent them copies of our mortage that definitely shows that the " MIP '' was for 60 months only. Our paperwork indicates that as of XX/XX/XXXX we no longer have to pay a monthly " MIP '' premium. 
Rushmore will not honor this paperwork and continues to assess us a monthly " MIP '' premium. They state that our loan principal is not at 78 % " LTV, base upon the XX/XX/XXXX property appraisal that was performed after our renovation work had been completed, therefore our monthly insurance premium can not be removed. 
I keep explaining to Rushmore that our paperwork was processed prior to the XX/XX/XXXX " MIP '' changes and that our " MIP '' is only for 60 months, but they will not tell me why they refuse to honor the documentation that I submitted to prove this statement. 
Rushmore further states that since our mortage is FHA, we can not even request a property re-appraisal. 
At this point, they now tell me that they can no longer help me, nor do they send out the documentation that they say they will send. All contact with Rushmore representatives has been not only confusing, time consuming, but extremely frustrating as well. 
Please review my documentation and advise if I am correct in my assumption that we should no longer owe a " Monthly Insurance Premium ''.
Consumer complaint received 2018-09-25
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. (TX)

On XX/XX/2018 I called Equifax and spoke with two different reps. At first I spoke with XXXX, and then I spoke with XXXX who is in the fraud department. Equifax does not provide call reference numbers, I was advised to use my dispute confirmation number which I have XXXX, and also XXXX. I disputed two fraudulent accounts on my credit report. One for XXXX XXXX XXXX XXXX, and also XXXX XXXX XXXX. I am a victim of identity theft and fraud. I filed a police report with my local police department which is XXXX Police department, and I also filed a identity theft affidavit with the federal trade commission. Someone has being using my social to get goods and services. I sent over the police report as well as the identity theft affidavit to the credit bureaus. Equifax removed this account and then reported it back again the very next day. now Equifax is refusing to remove these items back off from my report. they are also refusing to provide me with the information that was used to verify that this account belongs to me. Why is it so easy for someone to use my information and damage my credit and my life but extremely hard to rectify the situation? especially when I have PROOF that I did not open these accounts. I never opened up a loan with this company, as a matter of fact I've never even purchased an auto since I've lived here in Texas, nor have I ever had XXXX XXXX which is the XXXX account. This is so sad and completely unfair.
Consumer complaint received 2022-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

This is in regard to Navient Multistate AG Settlement, as shown on NavientAGSettlement.com website. The site states that settlement includes {$1.00} XXXX in debt cancellation and {$95.00} XXXX in restitution. It states that Navient will contact us by XX/XX/XXXX along with cancellation and refund for payments made on the cancelled amount. My private student loan serviced by Navient was consolidated into federal student loan in XXXX. All the conditions of the settlement and abuse from Sallie Mae/Navient during the years stated in the settlement apply to me. I received the {$260.00} restitution check, but no word about the cancellation portion. I called the number in the letter from AG, XXXX, to inquire about my case, I was told to call Navient at XXXX, which I did, but they had no information either and told me to contact State Authority, which I did too, called AG office at XXXX, which they had no information either, so I asked to meet with the AG, and left a message for his assistant and Im still waiting, no response back. I contacted my current student loan servicer XXXX who was very hard to reach and when they answered they had no information other than just update your personal information. My loan was for about XXXX XXXXXXXX and now it is XXXX XXXXXXXX, even though I made over 60 payments, due to Navients abuse. I contacted DOE and didnt get any information either.
Consumer complaint received 2019-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

On XX/XX/2019, I paid $XXXX on my student loan. This payment was made manually by phone because I changed my repayment due date. The representative of AES advised me to pay manually because my Direct Debit would not be applied. However, on XX/XX/2019, an unauthorized withdrawal of $XXXX was taken out of my checking account by Direct Debit. This wrongful transaction has caused undue financial hardship. I am disputing the period of time that I was told by representative on XXXX XXXX it would take (30) days to receive a refund. My account was wrongfully debited. My rights to disallow me my refund sooner is totally unjustified. Please investigate this matter in order for me to receive speedy resolution to this situation. I am in a dire financial crisis and need replacement of my funds as soon as possible.At first, I was going to resolve the problem by allowing the payment to be applied to the month of XXXX payment but recanted my decision to do it that way.
Consumer complaint received 2019-05-01
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. (MO)

I have been contacting Equifax AND XXXX XXXX XXXX by phone, certified mail and fax since XX/XX/XXXX regarding 5 hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I did not authorize XXXX XXXX XXXX to do. 

I did not authorize XXXX XXXX XXXX to do and they have not been removed from my Equifax Credit Report. 

XXXX XXXX XXXX mailed me a letter date XX/XX/XXXX that they have contacted Equifax to have the inquires removed. 

On Thursday XX/XX/XXXX I spoke with XXXX, XXXX XXXX XXXX Theft Identity Department Manager ( XXXX ; XXXX ) was informed XXXX XXXX XXXX has contacted Equifax multiple times from XX/XX/XXXX-XX/XX/XXXX to have the inquiries removed, but Equifax is not removing the inquiries and XXXX XXXX XXXX does not understand why.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I lived at XXXX XXXX from XX/XX/XXXX moved out XX/XX/XXXX. I paid any & all charges that was owed at this apartment. Since this time now 3 years later XXXX XXXX is now under new management & has placed an old paid balance of {$580.00} on my credit report. Since Ive moved from XXXX XXXX I have lived in 2 other apartments both of these apartments verified my rental history & both times XXXX XXXX has reported to each apartment that I do not owe them any money. This apartment is using deceitful tactics to gain money from prior tenants who they would hope have lost all documentation to prove that they have paid their balances. I contacted the collection agency & they stated XXXX XXXX had just sold my information to them. This is against the law & taking a toll on my health. O am scheduled to move next month & now because these fraudulent apartments placed this fraud account on my credit report I am unable to move & my kids & I have no where to go. Please help & please stop this scam this apartment is doing.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Existing credit card statements attempt to be transparent by generally indicating the following computation, " This unpaid balance will be paid in full in _____years by making the indicated minimum payment ''. 

This is partially helpful however a very simple additional statement which is obviously simple to add to the statement would be much more transparent ''. 

" Your most recent payment was $ _________. If this payment amount is continued the unpaid balance will be paid _______________. '' In my proposed addition and change to the transparency the credit card user will more fully understand that higher payment amounts than minimum will result in faster payoff and also lower payment amounts than minimum will result in slower payoffs including possibly " never '' getting paid off if the payment amount is less than the minimum payment ''.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The legal problem I currently have is my wife and I setup a joint account with Bank of America in 2015, but Bank of America closed our account, because I withdrew most of the balance and the account became inactive while we were back in XXXX. I tried to reopen a new account online, and they are refusing me access to sign up online. They are telling me that since I am overseas I am not allowed to sign up an account online, and I must to report to a financial branch in USA. I believe this is against my consumer rights, because as a financial lender, they aren't allowed to be biased regardless of my location. I initially filed a complaint with XXXX XXXX XXXX XXXX in hopes to find a resolution. In response to the XXXX  complaint, a rep from Bank of America 's Consumer Protection sent my mother text messages with confidential information regarding my complaint to my mother 's phone number without my consent. I felt they should first ask me if it's okay to contact me by any specific phone number. My mother sent me a copy of the messages. I called the phone number and extension listed in the text message, and each time I call during their business hours, I can only reach a voice message. I left multiple voice messages requesting them to communicate with me via email, but there was no success.

In addition to the violation of my consumer and confidential rights, Bank of America may also be participating in unfair competition. They have an online promotion of a {$300.00} bonus for users that sign up using their online service. This entices people to choose their bank over other financial services while they are not living up to that promise, because I am being refused access to that service and the bonuses offered therein. 

Bank of America actions are causing damages to me, because I have an XXXX seller business, invest in the stock market, and I need to file IRS taxes. I don't want to fly back to USA just to open a bank account at a financial center while others can use their online service to create accounts.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (GA)

On XX/XX/19 I tried closing my checking and savings Keybank accounts via customer support, as I moved to a state that doesn't have a branch. On XX/XX/19 I received a confirmation email. On XX/XX/19 I received a charge off notice via mail from Keybank stating I owe them the service charges that have been accruing for the previous three months on the savings account I thought I had closed. 

I called the Keybank customer support line, and the representative said there was nothing she could do and forwarded me to the debt collections department. That representative also stated there was nothing they could do as the only action they could take was to collect the debt. She did suggest I call the branch where I opened the account to see if they could help. They could not. The manager didn't even know that accounts could be closed over the phone. 

Without any other options, I scheduled the balance to be paid off on XX/XX/19. This was an extremely frustrating situation that was the fault of Keybank. Their representative did not close all the accounts I requested. Mistakes happen, but Keybank made no attempt to rectify the situation. If I ever move back to a state that has a Keybank branches, I will certainly not be a returning customer and would suggest that others avoid them.
Consumer complaint received 2019-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I have been trying to work out a debt with Wells Fargo but they just keep asking me for more and more documents. I started my process in XX/XX/2018 and it has been a down hill battle. Constant requests for information that seem irrelevant, including my divorce decree which I was told if I did not send it in I would forgo the right to a modification. Communication is a lost hole and people trying their best to resolve matters are lost in the process. I thought I would be successful in making my loan program but it doesn't seem to be the case.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular Achieve personal loans, in the amount of XXXX XXXX XXXX XXXX XXXX XXXXThe thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

equifax is NOT reporting account numbers regarding 2 accounts on my credit report. how is it possible for equifax to continue to report without such important information to help identify the accounts? without a account number these accounts are unverifiable. 

XXXX XXXX XXXX XXXX attached is a copy of my actual equifax credit report
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (IL)

Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX www.experian.com This company got my personal business credit report mixed up with my next door business credit report. My business name is XXXX XXXX located at XXXX XXXX XXXX XXXX, next door business name is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. I bought my business as a contract for deed onXX/XX/XXXX and I paid off for that business on XX/XX/XXXX, at that date that business became mine and the title was transfer to my name. In the mean time the next door business been their since XXXX. 
Experian credit report company got my business personal credit report in bad shape and made too many mistakes by adding the wrong information to my credit report all those information were the other business info, example of some of those mistakes are, they said that I been in my business since XX/XX/XXXX that was wrong, I took over my business as XXXX XXXX on XX/XX/XXXX, They claim that I been in that business for 52 years I was born in XX/XX/XXXX, and that impossible to own a business at the age of XXXX years old, they claim that my yearly sales are {$140000.00} my yearly sales never exceed the {$80000.00}. I do have two business credit account one with the XXXX XXXX and one with XXXX both those account never been report it on my business credit report for the past 15   years. 
I did complain to the company Starting on XX/XX/XXXX, and furnish them with all the real documents that proof my allegation. Also I send them a copy of the business next door menu showing the name of that business as XXXX XXXX XXXX, and so far they refuse to fix their mistakes, and that hurting my business credit, and that effecting my income. 
I need your help to force this company to fix their mistake that they made with my personal business credit report.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Dear Sirs, I have moved abroad, to XXXX, and the over-the-phone agent can not assist me on my my Macy 's Amex credit card account affairs, since the agent asks me for cell phone or mail contact, both of which are no longer available.

At this point, the agent has informed me that she can not process the following requests : 1 ) An investigation into a transaction of {$18.00} on XX/XX/XXXX, which I was contacted about via email ( I didn't do the transaction ), and that I rejected ( I clicked " I do not recognize one or more of the above. '' on the email link. See email attached ) Despite the information " Charge Status : Declined '' on the email, apparently the charge was still processed, or additional transactions were attempted that currently amount to a {$39.00} balance. 

2 ) Once the issue above is resolved, I would like to cancel the credit card immediately. 

Thank you.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX put a debt on my credit report say I owe XXXX XXXX XXXX or XXXX XXXX I have never had either XXXX XXXX XXXX or XXXX XXXX this is not mine I have always has XXXX