davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (CA)

Kindly I had bought a car with extended warranty I had decided to cancel it in second day and the dealership had paid a check to bank to reduce the amount financed for the vehicle I bought And the bank had cashed the check but did not update on their system So the payoff amount was large And they kept charging me extra interest The customer service on the phone dont know how to fix the issue And I am ready to move to different Finanacial institutions to finance my car They are asking me to pay inaccurate amount so they are not fixing issue And beside that I am paying extra without fixing the problem
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I deposited a check via mobile check deposit with Chime on XX/XX/XXXX and received an email from chime stating " We have to make sure the check does not bounce and will be available to you by the end of the day on XX/XX/XXXX. '' Funds were taken out of my employers bank account on XX/XX/XXXX. I called them on XX/XX/XXXX and again on XX/XX/XXXX and they keep telling me that the money will not be available until XX/XX/XXXX and there is nothing they can do. This has caused me to get payment extensions on bills that are due and borrow money for gas to get to work. This has cause me unwanted stress in already stressful times.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A XXXX XXXX XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for two years.
Consumer complaint received 2019-09-29
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. (IL)

On XX/XX/2019, I purchased two bottles of a fragrance that was advertised to be authentic from XXXX. The pictures used in the listing were of authentic looking items but what I was received was not. I simultaneously filed a claim with XXXX and XXXX. XXXX instructed the seller to provide a return shipping label per their policies, but the seller never complied and XXXX ruled in my favor but could not provide an immediate refund since a claim was also filed with XXXX. 

XXXX disregarded XXXX judgement and instructed me to return the items at my own cost to the seller. The seller shipped the items from XXXX, provided two different return addresses in XXXX, and a third return address through XXXX. The return address provided by the seller through XXXX is incomplete and is to a breakaway state, XXXX, within the country XXXX that is only recognized by three XXXX XXXX non-member states. The postal code provided is not recognized by any major US delivery company and the postal code does not correlate with the city within XXXX. Had I shipped the items using one of the two addresses provide through XXXX, XXXX would claim that it was never sent to the incomplete address provided through their system. 

I informed XXXX of my inability so return the items to an incomplete address containing a country that the XXXX does not recognize as a sovereign state as was informed that I should ship the item to said incomplete address to a country that is not recognized by the XXXX  that also contains an incorrect postal code not recognized by USPS, XXXX, or XXXX. 

I initiated a chargeback through Visa ( Chase ) on  XX/XX/2019. Visa asked for additional information on XX/XX/2019 after XXXX stated that the items were to be shipped back to the seller using the incomplete address with an incorrect postal code to a breakaway state not recognized by the XXXX or any legitimate postal service in the United States. Additional information was submitted on XX/XX/2019 through Chases online message system. The third party that handles the claims for Visa denied the claim on XX/XX/2019 and stated that the additional information sent using the online message system was corrupted. I was not informed that uploaded file was corrupted or instructed to resubmit said file before being informed of the claim denial. The claim was reopened on XX/XX/2019 and denied on XX/XX/2019. Chase informed me to reopen the claim through Visa on XX/XX/2019. 

Under Reason Code 53 : Not as Described or Defective Merchandise Visas Chargeback Management Guidelines for Visa Merchants states the following : For this reason code, the cardholder must have made a valid attempt to resolve the dispute or return the merchandise. An example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchants own expense.

Attached is the additional information submitted to Visa via  Chase.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I closed an account the beginning of XX/XX/2023 due to fraudulent activities. At the time of closing I had a remaining amount due of over {$7000.00}. I received almost XXXX ( I received this amount inside the bank as I never received the mailed check ). I am still waiting for the remaining XXXX. Each time I go into the branch or call they state a check has been mailed its been over 70 days and I have yet to receive the remaining {$700.00} from this account.
Consumer complaint received 2021-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

According to all the information online, I qualify for my XXXX loan to be discharged or forgiven. However my loan servicer great lakes has denied me twice for loan forgiveness. Stating that I dont qualify even though I attended during the years that the Biden administration has expanded. Most recently I submitted a loan forgiveness two months ago and I have not heard back from them once on an approval or denial. And its nowhere on my forms that its been processed. I dont know what to do and they keep adding thousands in interest despite loans being frozen for Covid-19.
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX XXXX installed laminate flooring in my home. They told me it was waterproof. They lied. The flooring is not waterproof. It warped, bubbled and banana boated severely even though I never wet-mopped the flooring. I have submitted previous complaints about this same issue but to date, I have not seen any resolution to this matter. The credit card company involved in this matter, Synchrony Bank, stated that they conducted an investigation, however, they did not. All they did was get a letter from XXXX denying all fault. No formal investigation, or any other investigation was ever conducted. This too is a lie. I requested copies of all relevant documentation from the investigation and they could not produce anything except the denial letter from XXXX. XXXX failed to properly install the laminate flooring in my home as well as lying to me about it being waterproof. They were required to bring the laminate flooring to my home to acclimate to the environment prior to installation. They failed to do this. They were required to conduct a moisture test on my concrete floor prior to installation in order to determine what type of moisture barrier was required and they failed to do that. This flooring is the worst I have ever seen. The installation is horrible and I am left with this mess and a {$5500.00} bill plus they are ruining my credit because I refuse to pay for this mess. I need help. I never received any response from you from my prior complaints so I have no idea what happened. They are racking my credit in attempt to force me to pay for this huge mistake sitting in my home. I have requested them to come and take their flooring back. They refuse. They refuse to work with me. They refuse to answer any of my letters. They do not communicate with me.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

My student loan servicer is FedLoan ( PHEAA ). I applied for a refund of my student loan payments made during the payment pause. I requested a refund on XX/XX/XXXX. This refund request was for my last payment of {$21000.00} made on XX/XX/XXXX. I have not heard a word back from FedLoan regarding this refund. 

I have sent follow up emails to them and have not gotten a response. I know there are a lot of these refund requests but there seems to be no order or organization to this. 

I know people who requested a refund of multiple payments, and they requested it weeks after I requested it. However, they have had their loan balance reinstated as well as refunds of payments sent already received. 

Meanwhile I'm only requesting refund of ONE payment of {$21000.00} made on XX/XX/XXXX. The refund scenario can't get any simpler than a single payment refund. 

I understand that many people requested refunds before me, but many more than that have requested refunds FAR after me and for way more payments and have a received theirs. 

I can't even get an accurate date of when the refund request was sent to the Treasury or if it was sent at all. I can't get a response to my email inquiry. I can't get an accurate date ( s ) for processing or anything. I can't get any information from FedLoan ( PHEAA ).
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (CA)

I have been a victim of the Equifax breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$0.00} XXXX - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$130.00}
Consumer complaint received 2021-08-30
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. (WV)

Equifax participates in willful, ongoing and repeated failure to provide any real response to inquiries, disputes and requests for information. I exceed the identification requirements each time I submit a request, yet they continually send responses that request identification, despite that information being provided already. The law requires their timely response. Their responses are as ambiguous as possible, not referencing which dispute they are responding to, and basically sending a form response that means absolutely nothing and provides no useful information or feedback on any given dispute. From this point forward, all disputes will be cc 'd to the Attorney General 's office and legal counsel for review. How many complaints like this will it take for CFPB to correct the issues, instead of just counting on the companies to comply with law? Clearly the companies are not interested and don't care about compliance, so consumers submit complaints to CFPB, thinking it will make a difference, but yet the companies continue with their non-compliance, without consequence. How long do consumers need to put up with this level of abuse of power? These companies hold an enormous amount of power of consumers and can and do affect livelihoods, and they need to be held accountable.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

XXXX has placed an account as derogatory on my credit report and placed this account with ERC collections on XX/XX/XXXX stating there was an account opened with them on XX/XX/XXXX this was also reported on XXXX and XXXX but then gave a different date reported to XXXX stating it was opened XX/XX/XXXX it is apparent that there is an inaccuracy here on dates. I have no knowledge of this account or any agreements made with XXXX or ERC the address on file is not my address. I have requested any signed contracts to validate any agreements to this debt from ERC Collections they stated they do not have any of these documents to prove this debt in accurate or belongs to me. I am requesting this account is immediately removed from all credit bureaus due to inaccurate information, inaccurate opening dates and lack of evidence validating this debt. 

XXXX account # provided is XXXX
Consumer complaint received 2021-08-30
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: CITIBANK, N.A. (NC)

I received an incorrect item through an online purchase using my Citi Card. The customer sent me the incorrect Item. I ordered a XXXX XXXX bag that I paid {$2000.00} for and received a {$40.00} XXXX XXXX. I opened a dispute with citi and provided all the documentation that they requested to have this removed from acct, but will not remove the charge. I showed the what i ordered, what I received.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2021 Someone named XXXX XXXX sent herself some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}. CHASE ALSO REFUSED TO DISPUTE THE TRANSACTION. Theyve stated that it was authorized and completed but it was not authorized!!! I don't even know the person that the money was sent to!! Both Chase and XXXX XXXX have no absolutely no help in helping me retrieve my money!!!
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

After following up for 1 month with Flagstar they continue to slow-walk me into the process of exiting my forbearance and now I need your help. I have called them at least 15 times and they have promised they would help me exit, but they continue to give me the run-around and make up excuses for why they wouldnt. Here are the details Due to COVID-19 I was forced to enter forbearance on my two mortgage loans with Flagstar Bank . I contacted Flagstar on XX/XX/XXXX, and on several occasions after that, to let them know I was ready to resume making my mortgage payments, and that a Payment Deferral would be the best path for me to exit forbearance. I have followed and completed all their requirements in a timely manner. However, I believe they are deliberately delaying the Payment Deferral process, and blocking my efforts to save my home and my rental property, since they know I will soon reach the maximum 18-month protections per the CARES Act, on XX/XX/XXXX. On the loan for my residence, they have sat on the application process for almost a month with very little progress, despite my continuous efforts to follow up ; and on my rental property loan, as part of their delay tactics, they have cancelled my Payment Deferral process 3 times for unjustified reasons. The first time on XXXX XXXX, for logging into my account on flagstar.com ; the second time on XX/XX/XXXX for having said I want to get out of forbearance during a call inquiring about my Payment Deferral Process status ; and the third time on XXXX XXXX because I pressed something in the phone system when trying to reach their Hardship Relief department and in actuality all I did was press the options to speak with an agent ; and to this day they havent reset my mortgages. This seem to be a repeat of their tactics from XXXX, when Flagstar was found by the CFPB to be delaying and blocking peoples efforts to save their homes.
Consumer complaint received 2022-08-11
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: Advantage Credit, Inc. (WA)

I am in the process of buying a new house. On XX/XX/22, a hard pull was done to see my updated credit reports. Since then, my phone has been ringing every 10-15 minutes from various mortgage companies with " better offers ''. I have asked them to stop calling. I am already working with a mortgage broker. I have found out that, when there is a " hard '' pull on credit, that the credit bureaus have " trigger '' calls with mortgage companies. THIS IS WRONG!!! This is giving my information without my specific consent and triggers a huge invasion of my privacy. I have disconnected all my phones. 
My mortgage broker has told me that there are lawsuits against the credit bureaus for this. 
Something must be done to stop this.
Consumer complaint received 2019-05-04
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: CITIBANK, N.A. (AK)

I contacted Citicards XX/XX/19 to dispute a charge on my card Basically a car importer extorted money out of me by requiring me to pay damage that was done by the company on my vehicle before giving me the title. They would not give me the title unless I paid the money that came up with. They also did not complete the work done that they charged me including fixing the paint, fixing the headiner and the dash. They also did not deliver the vehicle to my home which was on the contract. They did this because they decided not to ship it to me and they also didnt want me to inspect the vehicle unless they were paid. 
I also specifically asked for my original equipment back that was removed from the vehicle but they kept the parts which is illegal in the state this happened. 
I disputed this by providing the above info and offered to provide any evidence they need but they declined the dispute and sided with the seller. 
They sent me an attachment with the companies response but no other support nor did they ask for my evidence. I have attached their response below Please help me with this problem
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I have not received an answer, and at this point I just feel they are not going to cooperate with me, he Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report,
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

I purchased my first home on XX/XX/XXXX. I obtained a loan from Guaranteed Rate XXXX  and expected a consistent monthly payment throughout my loan term. However, I recently learned that the loan originator provided me with a grossly inaccurate estimate of my mortgage payment. 

The lenders total monthly payment estimate was {$1900.00}, and I was comfortable with that payment amount. However, as of XX/XX/XXXX, my payment increased to {$2500.00} due to the incorrect estimate of the property taxes. 

When I contacted the loan originator about the problem, he said he would have given me the option to collect escrow for the current taxes OR for the estimated amount based on what I was paying for the home. I was never offered those options by him. Had I been asked ; I would have told him that I need an accurate estimate of my total monthly payment based on the price I am paying. 

It turns out the lender had estimated my taxes based on the current taxes which was {$3400.00}. The taxes based on my purchase price are {$6100.00} with the Homestead Exemption discount included. In an email to me, the loan originator said that it is possible that the lenders processing or closing department may have changed it without his knowledge! His final response was that I will have to pay the new payments or he " could look at doing a refinance. '' When I received the estimates from the lender, I believed that my income was enough to carry the loan. I understood that the property taxes could increase, but I had planned on filing for homestead exemption to help keep my payments close to the lenders estimate. 

The loan officer knew that I was a first-time buyer, and that it would be financially difficult for me to make payments higher than the estimate amount that he provided. This has brought a lot of stress to me. I believe that I was deceived, and I am requesting that your office investigate this matter. I would like to know what my options are, and I would like to know that this will not happen to anyone else that might apply for a loan with this company.