davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I was notified by a National Credit Systems , Inc, a collection agency, that I owe a previous apartment rental balance of {$2500.00} as of XX/XX/XXXX. I visited with the apartment manager and continued communication with them via email. It was determined that due to their change in ownership, files were lost or misplaced and they reported that I did not move out until XX/XX/XXXX. It was then verified that I actually moved out on XX/XX/XXXX and I obtained a photo copy of my turned-in apartment key with the leasing agent 's signature. Via email, it was confirmed with the assistant community director that the correct owed balance is {$920.00}. The final account statement was forwarded to me as a pdf file on XX/XX/XXXX. 
As I was advised by the apartment staff that this updated information would be forwarded to the collection agency, I waited up to 60 days for this change to be made with them. However, the incorrect balance was reported to the credit bureaus as a debt. I then received a typed letter from them dated XX/XX/XXXX that indicated I still owe {$2500.00}. Attached to their letter is a copy of the exact final account statement that I received from the apartment staff, which indicates that they forwarded the corrected information to the collection agency. I contacted the collection agency on XX/XX/XXXX @ XXXX. I spoke to XXXX who advised me that they have a settlement amount of $ XXXX. I advised the agent of the letter I received from them and he told me I need to send them a copy of the letter I received as proof. I offered to pay the correct balance that I owe in full if they would update the debt amount shown on my credit reports. He declined and stated they need to receive the settlement amount. I never agreed to a settlement amount with the collection agency nor the apartment staff. 

I am still being contacted by the collection agency for the incorrect balance. Last call from them was XX/XX/XXXX @ XXXX XXXX.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I received an email on XX/XX/24 from Chase stating that I need to call in to avoid my account being closed. I called in and they notified me the decision was made to terminate the relationship and I would get a cashier 's check in 10 days. They were going to hold my money until then. When I asked for the reason, I was not given any. I had to go into the branch twice and call until I finally got someone who approved for me to receive my money. Each time I got the same answer, terminating the relationship and no reason to why. I had to scramble to get a new account somewhere else. The worst experience at Chase and I have been a customer for over 20 years.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I am filing a complaint against Equifax for violating my rights under the FCRA. I have placed several fraud alerts under my account I have noticed several inquires and account pop up on my credit file and when I disputes those equifax indicated the debts were valid. I asked for proof of validation of debt with no response or verification from the debtor or Equifax. They are reporting inaccurate information. I am asking someone take a look into this as my rights are being voilated and information is being reported inaccurately. I also have disputed a account several times There is XXXX account with the same account number and same balance being reported multiple times under a different company name as the company changed their name/and or bought out. The company is XXXX XXXX their name was recently changed to XXXX XXXX. This account is listed under my credit as XXXX seperate accounts with a balance around {$750.00} as if I owe XXXX seperate companies and they are the same account. I have disputed this information several times and Equifax has done nothing. The account is still on there and is affecting my credit. Also there are multiple inquires that I keep disputing that are still on there I have even contacted the companies and they have indicated they do not have any information on viewing my credit nor do I have an account with any of these companies. Please review multiple violations from Equifax in their dealings with consumer disputes. Thank you
Consumer complaint received 2024-01-04
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

I have a mortgage serviced by Citizens Bank. I fell behind on my mortgage in XXXX due to my car becoming irreparable. When I got behind, I spoke with the mortgage department and requested an application for mortgage assistance. I received the forms and submitted them to the website indicated, loansolutioncenter.com, on XX/XX/XXXX. I never received any information from them, so I called back in early XXXX and was told it had not been reviewed yet. I still did not hear anything in XXXX, so I called back again. On XX/XX/XXXX, I made a mortgage payment for one month, and was told I needed to submit additional information including sending one page of the application with a new date on it. I again submitted all this to the website. My information was reviewed on XX/XX/XXXX, and it was noted that I was missing documents. I only discovered this after going back to the website about a week later. 
I uploaded all the required documents on XX/XX/XXXX. I called back on the evening of XX/XX/XXXX after not hearing anything. I was told the documents sometimes took several days to show up when upload to that website. They could see the documents, and I was told my documents would have to be reviewed by someone in loss mitigation. My documents were reviewed by someone on XX/XX/XXXX and it was noted there was still missing information. I uploaded the required documents on XX/XX/XXXX and again on XX/XX/XXXX because the documents did not show as uploaded. On the XXXX, I did a screenshot to prove I had uploaded it as documents seemed to disappear from the site several times. 
I called again on XX/XX/XXXX and was told my case had been closed out of loss mitigation because they had not received the missing forms. I was told to email the forms to XXXX and call back after 24 hours. I emailed the forms on XX/XX/XXXX at XXXX XXXX and called back at XXXX XXXX  on XX/XX/XXXX. I was then told the forms took 3-5 business days to be reviewed by someone in the documents department, and they would then be put in the system and told to call back Monday, XX/XX/XXXX. I requested to speak to a supervisor and was told they would not have any additional information until the documents department reviewed the email. I then requested to speak to someone in the documents department and was put on hold for about 4 minutes. There was not anyone available in the document department, would I like her to schedule a call back? I did request a call back and as of 1 hours later, I still have not heard anything. 
This has caused a great amount of stress. I am able to make the regular monthly payment at this point but can not pay the full amount it arrears to bring the loan current. I tried to get this resolved before I was even 30 days late in XXXX. It is now XXXX and I am worried about having my house foreclosed on despite being able to start making payments.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA (ND)

There was over XXXX $ worth of unauthorized purchases made for apple services between certain timeframes on my apple card. As soon as i noticed i contacted apple support who tried to issue a refund and then goldman sachs to start a dispute. Apple support informed me that i would be receiving a refund and to close my disputes with goldman. I did so but then a few days later my refunds were denied so apple REQUESTED that I reopen my dispute with goldman to get my money back. I reopened these and most of the charges were winning disputes but today i started to lose disputes and have over XXXX $ in charges now pending on my account. I did not make these purchases and am a XXXX XXXX XXXXXXXX XXXX XXXX If apple card does not refund these I will be in crippling debt.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-04
Product: Credit 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: GOLDMAN SACHS BANK USA (MO)

So Apple credit card.

I had one that I repeatedly used in only one place and nowhere else, ever. All purchases were a few dollars each, and all of them were in Missouri. 
Two purchases show up in California for a gym membership and an UberI disputed the purchases with Apple and they denied my claim. I never used my physical card, but only my Apple Pay, and did not join any gyms with headquarters in California, or take any XXXX in the past year. So grossly fraudulent that I actually laughed when they denied my claim. I contacted customer support, paid my balance in full, and closed my account. I dont want anything to do with this company if they wont protect their customers. 
I actually know what happened and the vendor whose machines I used my card with was contacted about this, and they discovered a skimmer and removed two machines. This information was also passed on to the Apple Card Goldman Sachs ( who sounded just like a ) XXXX ( can not instead of cant, will not instead of wont, etcit was crazy ) on the other end of my chat who oddly lacked any semblance of logic or reasoning. Its either complete lackies, broken algorithms, or two people doing paper-rock-scissors who decide these claims.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Tried to open new checking and savings. Was denied and the referenced the security freeze I have with XXXX  and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

I am a borrower with Mohela student loan servicer because I am enrolled in the public service loan forgiveness program. In XXXX, XXXX my loans were placed into administrative forbearance by Mohela and I was told it was because they were " switching platforms '' and it would be resolved shortly. I called once a month to check on the status of this because it was impacting my ability to apply for PSLF forgiveness, as I was nearing XXXX payments. I have four months of Mohela-imposed administrative forbearance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attached to my account. I was told multiple times on the phone, email, and on their website that because this was Mohela-imposed administrative forbearance, those months of forbearance would count towards PSLF payment counts as long as I was employed by a qualifying employer. I was told to recertify my employment in XXXX, which I did. My employer was acceptedbut those payments didnot adjust. XX/XX/XXXX should have been my XXXX payment and I should have been able to apply for loan forgiveness in that monht. When those four months still showed as " ineligible '' in XX/XX/XXXX, I contacted Mohela to ask why. They said it was because of the DOE and they couldn't do anything about it, and I would have to just keep paying my monthly loan payment until the DOE pushed those payments over into " qualifying ''. It is now XXXX and those XXXX payments have not moved over. I have paid XXXX months past the point I should have paid, and now I am learning, based on an email from the DOE, that my loans are going to be " serviced '' again, and I will not be able to apply for forgiveness " through XXXX '' which likely means XXXX, however I am still required to keep paying my loans and I will receive a refund for overpaid. This has caused undue financial hardship and is penalizing borrowers who are owed forgiveness through PSLF.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. STates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX '' and do not have a contract with " XXXX '' they do not provide me with the original application like i asked.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I reported fraud on my account from online charges. I noticed it XX/XX/XXXX but when I searched my transactions, I found this company had charged my card several times in the past month. XX/XX/23 {$22.00}, XX/XX/23 {$37.00}, XX/XX/23 {$34.00}, XX/XX/23 {$36.00}, XX/XX/23 {$37.00}, XX/XX/23 {$68.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$69.00}, and XX/XX/23 {$95.00}. Wells Fargo is saying my claim was denied and it wasnt fraud because I should have noticed it sooner. I was never alerted of fraud and they were small amounts each time so I didnt notice them. If all {$680.00} would have come out in a single day/ transaction, I likely would have noticed. But I find it hard to believe they are claiming its not fraud because I didnt notice it quickly enough. Is there a policy stating how long you have to notice/ report for it to be classified as fraud? As a 20 year customer with Wells Fargo, Ive never reported fraud and would never imagine they would deny a fraud claim.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (FL)

XX/XX/XXXX I deposited {$4000.00} into Robinhood, the funds became available in 5 days and cleared through my bank. Up to this point I had completed all required security checks including pictures of my ID. They then restricted my account and required me to submit a picture of my SSN. Once provided they said theyd get back to me by XX/XX/XXXX as a deadline. The time came and went and they continue to push their deadline back, they then say I must schedule a call in their app but I have no option to do so, finally they call just to be put on hold for 10 minutes and for them to hang up.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/XXXX and XX/XX/XXXX Barcalys Bank Delaware, submitted hard inquires on my credit report. I have never done business with them. I have not applied for credit in at least a year. I also have an active fraud alert on my credit report. I spoke with them in XXXX regarding that incident and was advised that this inquiry would be removed within 30 days. Yet is was never removed. 

Further, when attempting to make contact with them regarding the XX/XX/XXXX inquiry, I am stuck in a phone tree and the system hangs up on me. 

I contacted XXXX and they advised that in order to have this inquiry removed, I need a letter from Barclays. Because I am unable to contact them, I am unable to get a letter to have these inquiries removed. 

Please help me get them engaged so these inquiries are removed from my credit report. Also, please notify them that I NEVER want to do business with them so they do not have my permission to EVER run my credit. 

Thank you, XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

On XX/XX/2023 BMO closed my account due to them not being able to verify my address.It caused me pain and suffering.Its causing me issues with me being able to open up additional accounts.They frozed my account and also disbursed me what was left over but took 3 months.They had no reason to close my accounts.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mintex Inc. (IL)

I received a call from the ticket, payment plan place today and Because I got a new bank and my card was declining as I explained to them and I was asking the lady why she was being rude to me on the phone. The amount that she gave me did that include all of my current tickets, so I can make sure that all my tickets are being paid And the lady lied to me and told me that it did include all of my tickets and that I only owe I believe the balance was {$320.00}. When I looked while she was on the phone at the XXXX ticket payment website I saw that it was a substantial amount of other tickets even to the point of having XXXX notices on them and I was trying to ask her if my payment plan was going to include those tickets or not and she got an attitude with me telling me that she didnt have time to sit on the phone with me while Im online looking at tickets and she was pretty much just there to take Payment so she got cussed out and hung up on. This is the second agent from this company that has lied to me and purposely misrepresented tickets and amounts that couldve had my vehicle sees the First representative XXXX from this company lied and told me that I didnt have to pay the tickets that were in Bankruptcy which was not true. I still have to pay those tickets so he lied and then this lady came in and lied because she said the XXXX included all of my tickets and my current tickets and that was not true either so I think that the phone calls should be reviewed And investigated because for this to be a company thats employed through or contracted through the city of XXXX for traffic ticket debt collection for them to sit up here misrepresent terms, and amount that is consumer fraud, and the phone calls should be recorded. So I still was not able to, in conclusion reset up my payment plan, or reestablish it because once again, the company is lying and committed consumer fraud by misrepresented the terms and amounts of what is owed. This is about XXXX XXXX  today that the lady called me on XXXX XXXX.
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: HILLTOP HOLDINGS, INC (NC)

Prime Lending, A plains XXXX XXXX, is refusing to pay the remaining balance of {$22000.00} for a XXXX construction project that I completed at XXXX XXXX XXXX, XXXX, NC XXXX. The project was completed in XX/XX/XXXX and as or today, XX/XX/XXXX, I have not received payment. The buyer, XXXX XXXX, used the loan to purchase the home and is using the property as an XXXX XXXX. This is mortgage fraud as a XXXX construction loan is only to be used for owner occupied properties. The lender is well aware of the present use of the property and knows that this is fraud. The contact for Prime Lending is : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting 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. (TX)

XXXX XXXX for some reason is running my credit, a total of XXXX  times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue