davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (PA)

During travels in the country of XXXX, a charge in the amount of XXXX was applied to my Chase credit card by a company listed as XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
It is a fraudulent transaction that I never authorized, approved or signed for. 
In addition, I have never done business with this particular merchant. 
Upon return to the country, I immediately disputed this charge on my statement to Chase on XX/XX/XXXX. 
I did not receive a response from Chase regarding this dispute until XX/XX/XXXX when they notified me, in written notice, that they were denying my claim. 
Upon subsequent phone calls to the fraud dept. of Chase, I provided proof of my location ( as requested ) on that date of XX/XX/XXXX and that I could not have made this purchase. 
All to no avail, as Chase has rejected this evidence that I have provided to the contrary and any attempt at a resolution in my favor. 
I have other documents and statements pertaining to this time period and dispute, available upon request.
Consumer complaint received 2023-04-28
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. (WA)

I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Due to the seriousness of XXXX 's XXXX XXXX, he will not be able to make any payment that is due on the XXXX until he returns home if that will happen. I know this has a serious impact on the repayment plan, but XXXX XXXX has a very serious XXXX XXXX. He is in serious condition and remains in the hospital for an indefinite period of time, he will not be home for the holiday and arrangements are being made for his final wishes. Please respect and do what he wants, he knows that the SPS payment is due now, but he needs to delay it until the end of the month or make two payments in XXXX, if possible. Because of the nature of his XXXX XXXX, he wants SPS to change the repayment plan beginning in XXXX. His condition is grave, and he may not be around to fulfill his obligation and need time for the doctors to do their work and not have XXXX XXXX be burdened because of a mortgage payment. His income has dropped considerably since he has been in the hospital due to medications and hospital stays which were not anticipated. Please work with XXXX while he is here, we may lose him at any time. 
XXXX still remains in the hospital, he is waiting for some kind of response from the emails, he is worried that you're going to pop on his doorstep ( he is not there ) and post a foreclosure notice. He is asking for some time and wishes that SPS could move the outstanding due payments to the end of the contract until he somewhat recovers ( he never will ) from XXXX  XXXX XXXX. There is no cure for this, he is placed on a medication remedy only and that is what is keeping him alive. Sorry for the bad news, but it's a reality and he is trying to come up with a solution instead of lying there in bed suffering so, please work with him. 
Please stop any foreclosure proceedings, XXXX can not help the situation he is in, he can not believe SPS would take the house while he is suffering seriously with XXXX  XXXX XXXX, the house will always be here, but XXXX may not survive this horrible XXXX. Please keep him in your prayers and please don't rush to a quick decision without any kind of notification on what you're going to do. We think you should move the outstanding balance to the end of the contract until XXXX XXXX hopefully gets better. Please note he is sacrificing his mortgage payment for his health, and he wants all of you at SPS to understand his situation. He is going to try to work with his credit union if he is able to pay at least one payment, we will not know until this probably next week, so please read the above and show some compassion because I am afraid, you're going to lose a good customer, would you rather have the house instead of XXXX XXXX
Consumer complaint received 2022-12-19
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: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal Credit Union Credit card issued fraudulently under my name approximately XXXXXXXX XXXX with a opening balance of {$23000.00}, I first noticed this account in XXXX of same year in my XXXX XXXX Acct,. I called the Navy Federal Credit Union XXXX ( spoke with a rep XXXX and gave me a confirmation # XXXX ) at which time they said they would lock down the acct. and start a fraud investigation. Till this time I still have not heard back on any results as of this date XXXX XXXX. I call twice since XXXX and XX/XX/XXXX couldn't get me thru to fraud div or systems were down, In XXXX i gave both my e-mail and phone # but have yet to receive a response. I believe i gave them plenty of time to resolve issue. Further more I'm not a veteran though my father was a XXXX Vet he passed in XXXX and did not belong. I would appreciate your help in resolving this matter. Thank You
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has violated my consumer rights under 15 U.S. Code 1691 Scope of prohibition ( A ) Activities Constituting Discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 3 ) because the applicant has in good faith exercised any right under this chapter. 
The right that I exercised is the use of credit Definition of credit under 15 U.S. code 1691a Definitions ; rules of construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 

On XX/XX/21 synchrony sent me a letter notifying me they lowered my XXXX XXXX account limit ending in XXXX from {$800.00} to {$100.00} for the following reasons : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent The reasons for lowering my limit are not valid because my use of credit was to incur debt and defer payment to pay back the debt over time. Currently we are in a pandemic and the use of credit allows me to provide for myself and pay back later. Im not required to have a real estate secured loan account to be able to use credit. Lowering the credit limit on this account will drop my credit score and cause extreme damage to my credit score and my feelings are hurt due to this. I feel emotional distress. I have been on time with this account and none of my other credit accounts are in negative standing. I feel like Im being punished for no real reason. The action they took to lower my limit could cause other creditors that I have accounts with to lower my limit and basically ruin my credit. 

And if this change wasnt enough damage Synchrony Bank then decides to close my XXXX XXXX XXXX account ending in XXXX for the same reasons before : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent I Also have a XXXX XXXX card account with Synchrony that at the time of this letter have not sent me a letter that they plan to make an action that will damage my credit by making changes to this account. But, from the 2 actions they have taken so far Im sure they plan to make changes and cause more damages to me and my credit. 

Synchrony Bank did not reach out to me at all to see how they can help me as a customer with these accounts but instead closed account and lowered my limit. This makes me no longer want to do any business with them. Just when I thought I was doing good with my credit they decide to XXXX me over.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MO)

Chime : I used my account with money being deposited by customers from work done. I also sent money personally from my Chime using my ID for each transaction " in good faith ''. However my account was blocked then closed without notice, and my funds withheld. 
This has caused financial hardship on my family and our lively-hood, ie : unpaid- rent, medical bills, utilities and groceries. 
I'm a victim of theft by Chime and would like my funds to be refunded via certified immediately. 

I can be contacted directly at : XXXX XXXX Thank you
Consumer complaint received 2023-08-08
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

On XX/XX/2023 I was contacted by XXXX about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Called Nelnet the following dates : XXXX XXXX XXXX XXXX Wait time to speak to a provider is over 3 -4 hours. On XX/XX/XXXX, remained on the phone for over 6 hours, Nelnet sends periodic emails saying " we will update you in 10 days '' but nothing is provided in an email saying what is being updated, what is the progress, and if anything is wrong with the application. For example, there was an issue with my application, I was not informed of this and instead after speaking with two different call center employees, including a manager, was I able to learn that one my my loans was categorized incorrectly. This information should have been communicated to me promptly, not sitting in a cue for 5 weeks. It appears that there is no incentive to help students understand their loan SAVE applications, and instead are incentives to keep the applications pending so the company can make more money off of people who have no income. Since I am kept so in the dark about the process, I have no idea if my application needs to be fixed or needs more information. Instead, Nelnet should be actively updating us on what they need, not waiting until we reach out to them 5 -8 weeks later.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (OH)

I am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with XXXX, but both XXXX and Experian are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. Experian has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my XXXX  and the student loans I was forced to take by my XXXX. I can not get the other bureaus ( XXXX and Experian ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX, by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (NC)

In the state of South Carolina I was experiencing continuous XXXX  XXXX from family members there and as a result I was XXXX XXXX homeless there and I had ended up getting a XXXX XXXX and also my personal documentation had gotten stolen by the exact same family in XXXX, South Carolina but I do think them stealing my personal belongings had something to do with this agency, the name of the first agency that kept repeatedly calling me was XXXX XXXX  XXXX  and the second one that is starting to spam call me is UCB and at first they said the amount was {$700.00} but now they are saying I owe them {$1000.00} and also they are following me and are calling places I would go to such as Homeless Shelters I would apply to and also Jobs I would work at and I know this because each previous employer or head staff would ask me XXXX do you owe anyone debt?!?! In a irritated manner, and I do think the collection agencies may have been threatening and using offensive language towards the people/places I would go to as a way of trying to intimidate/harrass.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I consolidated all of my federal loans prior to XXXX. My consolidated loan was transferred to a new loan servicer and is being divided into subsidized and unsubsidized loan categories, each loan category accrues interest separately. I have never requested or agreed to any changes. My attempt to reconcile this matter was unsuccessful, the representative stated this practice of dividing my consolidated loan is justified.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NC)

Received email from this agency claiming I authorized some transaction Receipt ID : XXXX. 
From this person via email. 
With regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX With regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I dispute that account multiple times with TransUnion because that account been close since XXXX XXXX XXXX XXXX every time TransUnion came back saying the account is accurate and verified but when I checked on the original creator account that I have it showing that its a closed account.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo repossessed my car when it wasnt late. It affected my credit and it took me years before I could get a car. And when I finally could needed a co-signer. This whole process had started a chain of events that has affected our family life and its been very tough to regain my financial footing after this. I am still very affected by the multiple repossessions from this one vehicle.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-11-21
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.