davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

To Whom it May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
According to the FCRA 15 USC 1681 it states that as the consumer I have the right to Accuracy and Fairness of credit reporting. 
I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX XXXX credit report. I have contacted them to remove these inquires and they will not do so.
Consumer complaint received 2022-01-06
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. (MD)

On XX/XX/2021 I called Equifax informing them that they are reporting inaccurate information on my consumer file/credit report. On XX/XX/2021 I sent Equifax an Affidavit of Truth. Also requesting that the inaccurate information be removed from my consumer file/credit report. As of today, I have not gotten a response.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

Chase Total Checking + Chase Freedom XXXX XXXX {$520.00} Bonus. 

Bonus requirements : Open a Chase Total Checking account and within 90 days also get approved for a Chase Freedom XXXX credit card -- -Done ( I did open a Chase Total Checking account and opened a Chase Freedom XXXX credit card and purchased 500.00 dollars within the time period requirement for the 200.00 credit, which in fact was credited on my XXXX statement 20,000 points ( new card member bonus ) Within 90 days of opening a Chase Total Checking account receive a direct deposit which i did receive on XXXX to earn the {$220.00} bonus that was credited to my checking account on XXXX XXXX This complaint is based on the refusal of Chase bank to fulfill the final {$100.00} for the {$520.00} bonus. I called the bank on XXXX to inquire on this amount to be told to wait 5-10 business days for the amount to be credited. This did not happen, and made another call on XXXX only to be told again to wait 3-5 days and it should be credited to your checking account. Again calling today XXXX did not bring this issue to closure.
Consumer complaint received 2019-11-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (CA)

my wife is took out a title loan one month before she went to bootcamp for XXXX we been paying it and interest rate is huge XX/XX/XXXX they repo an XXXX  service member car ( my wife ) without a court order we had no notice of repo and the lady XXXX at XXXX title max would not help we owed XXXX $ left on loan. 

technically titlemax  can not give loans to militay I wan na know if we can use SCRA or MLA benefits and go after titlemax  for the interest rate they gave us and the money we spent getting car out of impound
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MS)

In XX/XX/2022 I requested a copy of my MPN from Navient. I received an illegible copy approximately a week later by mail. I requested another copy of the MPN, this time with specifics that it is clear and legible, as the copy I first received was reduced in size to approximately 70 % of the original XXXX XXXX '' x XXXX ''. In mid XXXX I received another copy identical to the first, reduced in size and illegible. I made a third request in XXXX and, to date, have not received a copy, either blurry or clear.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NY)

XXXX bank refuse to fix the one late payments they put me in when I was never late with this account I made every payment since its been open on time with no problem. Since they refused to fix I closed the account I refuse to do business with someone who doesnt fault and Flaws of their own. I spoke to numerous reps who all promised me to fix this on their end and months later since no results.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On Monday XX/XX/XXXX i applied for a Small business loan with SBA due to me have financial difficulties during this pandemic my funds was deposited on XX/XX/XXXX I went into the bank tried to withdraw funds They wouldnt allow me to get them they asked me for proof of my business I provided them with my tax schedule C form Because my business I do not have a EIN They wouldnt allow it
Consumer complaint received 2021-09-27
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. (NJ)

XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.
Consumer complaint received 2019-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MA)

BSI Financial services is doing the same thing to me after they already violated the Consumer Financial protection act and Truth and lending act after the CFPB just settled with them. BSI improperly handled my mortgage failing to recognize we were already in loss mitigation in the process of receiving a loan modification through XXXX XXXX During the transfer my loan sat in their office for eight months. They also stole money from my account while I was making payments ( I have proof ). They did exactly the same thing they were reprimanded for, obviously not caring about its last violation. They are now beginning to foreclose on my home. When I finally signed a modification that I had to sign or they would foreclose my first bill was over 6000 dollars so I could never get ahead or caught up.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-11-03
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. (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the incorrect on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-11-09
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: BARCLAYS BANK DELAWARE (MA)

The date of last payment is missing and the date of last active is not consistent. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX
Consumer complaint received 2019-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Paypal violated their policy by permanently suspended all of our accounts and holding all of our funds for 180 days. XXXX was started by my family and I. It is a website that sell consumer products to pet owners. I've been successfully running online shopping businesses for 2 years, in XXXX we processed {$400000.00} of revenue through Paypal. 

In XX/XX/XXXX after 1 month of operating XXXX. All my business and personal account got permanently suspended and all of our funds are withheld for 180 days. Paypal 's explanation : " The decision to permanently limit your account was made because of circumvention of PayPal 's previous limitation and reserves. As well, your account was linked to other limited accounts by login information, phone, bank, tax identification information, and address. '' This it absurd, last year ( XX/XX/XXXX ). I was operating a store with a partner, after our business partnership ended. I created a new Paypal under the same company to start a new store. I spoke a risk analyst from Paypal and the recommended that I do this and I was approved to use Paypal to process payment. 

In XX/XX/XXXX, after submitting this complaint to XXXX, Californias DA, PayPal released funds from one of my accounts ( PROOF ATTACHED ) but still have around {$3900.00} hold on my other account. 

My request is simply - please release our funds immediately from XXXX. PayPal realized it was a mistake and released my funds on XX/XX/XXXX but still holding {$4000.00} in the XXXX account. 


Our business was approved by Paypal last year in XX/XX/XXXX. We created 2nd Paypal under the same business under Paypal 's recommendation. Our business has less than 2 % chargeback over 1000 orders. Due to this hold of {$8000.00} for 180 days we have to take out personal loans and can not pay our employees and our suppliers. Paypal violated their own policies and unfairly accused of something that was recommended by their own departments. 

Account ID : XXXX XXXX
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AR)

XX/XX/XXXX I purchased a home with XXXX XXXX for XXXX and was sold out to US Bank in XXXX! My home was severely damaged by a storm in XXXX of XXXX. I filed an insurance claim with my insurance company, XXXX XXXX. I received 2 checks for the damage to my home and they were both made out to me, US Bank and another company. US Bank instructed me to sign the checks in the amounts of XXXX and XXXX and send to them and they would send it back so I could repair my home! It has now been 1 year and 5 months and I have not received anything to fix my home and they are saying they never received the check in the amount of XXXX! My home has severe water damage and the roof is falling in and we have mold throughout the home! I stopped paying for my home because we were in a daily battle over letting me fix my home and they put my home up for sale so I had to contact a lawyer in order to keep my home! I have called in a licensed contractor to give me a new estimate on the damage to my home and he stated this home is a total loss! He stated the rafters and decking of the home are severely water damaged and the home should not be lived in due to the amount of mold in the home! I have lived in this home for 12 years and 2 months and I only paid XXXX for the home and as of today US Bank states I owe XXXX! I have contacted everyone possible for help in this matter! Please help!!!!!
Consumer complaint received 2021-09-02
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: DISCOVER BANK (NY)

I am a victim of identity theft. Someone I do not know hacked my computer and made fraudulent charges on my account and I now have been receiving credit bill statements. The fraud was made on XX/XX/2015.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK (OK)

I opened a new checking account with Midfirst bank during an ongoing promotion with bonus for new checking account after completing certain transactions. By XX/XX/2019 I completed required transactions and was eligible for the bonus, however, Midfirst decided on XX/XX/2019 to close my account by XX/XX/2019 by the terms of use of the account without any explanation. Also, they informed me 6 days after their decision. Moreover, the promised bonus was not paid although requirements were fulfilled. 

In addition, Midfirst terminated online and mobile banking access on XX/XX/2019 although my checking account was active, open and with balance in it until XX/XX/2019. My access to my funds was limited by the bank.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I called chase bank in order to stop transactions of my credit card that was utilized to purchase XXXX dollars in gift cards from XXXX. 8 gift cards at XXXX dollars each. The gift cards numbers were stolen and utilized to purchase merchandise that I did not authorize and tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX th and on multiple other occasions to stop any transactions. The manager of XXXX informed me on XX/XX/XXXX that they would not freeze these gift cards nor cancel them despite the scam, fraud and theft. I called XXXX again on XX/XX/2019 after speaking with Chase Bank due to XXXX stating to my bank these were authorized transactions even though XXXX managers were informed that this was fraud and I wanted these cards canceled. XXXX had time before shipping out of any and all merchandise that were purchased with stolen card numbers to stop shipment due to me informing the staff and manager. The Manager called the staff together following my complaint about fraud And theft and informed the staff that they should make sure to not sell 8 XXXX dollar gift cards without checks and balances. I spoke with the employee XXXX about this and she sent an email to her boss about this situation and o never received a call back. I was given a lost and stolen number fro XXXX which only told me to reach back out to the store again to report. I also reached back out to chase to refund the money that was from stolen gift cards and they stated that it was a good transaction even though none of the merchandise was sent to me due to gift card numbers being stolen. Chase was informed of the fraud and theft that took place from this purchase and continued to look for loopholes instead of freezing the funds when notified by the customer and allowed the customer to be compromised.
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I initially sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You
Consumer complaint received 2021-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received an alert from Equifax that my XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down 33 points for absolutely no reason? I tried calling Equifax, spoke to 3 people and no one could give me an answer. There is no way to dispute a credit score with Equifax.
Consumer complaint received 2021-11-03
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

On XXXXXX/XX/XXXX, I received a notice that my mortgage loan Escrow had a shortage of {$15000.00} and that my monthly payment starting XXXXXX/XX/XXXX would be increased from {$3000.00} to {$4700.00} in order to cover the shortage. 

In reviewing my account & tax assessor information, I discovered that Flagstar Bank, paid a total of {$16000.00} in property taxes for XXXX from my escrow account when my total taxes for XXXX were only {$4800.00} annual. 

On XXXXXX/XX/XXXX, I submitted a request asking that my escrow account be corrected as Flagstar Bank had overpaid my property taxes, which led to an escrow account shortage and that a new escrow analysis be completed. 

As os XXXX XXXX, XXXX. I had not received any communication from Flagstar Bank therefore, I sent another request. To date, the issue has not been corrected and I now face an increased mortgage payment.
Consumer complaint received 2022-01-06
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

This is as much of an inquiry as it is a complaint. I have had Navient as my student loan provider for years. I have been making payments for a decade. A good stretch of my life was spent paying more than the interest to pay off principal, but the principal never appears to go down. I saw in the news that CFPB has sued Navient and I would like to see what resources are available for me. I will say that I fall under one of the groups harmed as I am a teacher. I was told that getting loan forgiveness of up to {$5000.00} ( that's the allotment for social studies teachers ) was not going to be an option because I had a late payment. I did not realize I had a late payment. 

The other problem is that I have worked at a XXXX XXXX XXXX for two year, not five. I do not necessarily take issue with that, but teachers at XXXX XXXX XXXX are working just as hard. I have a total of three years in XXXX XXXX. My first two years were at a XXXX XXXX XXXX. My current XXXX ( where I was placed by the district ) was XXXX XXXX only one year as a response to Hurricane Harvey. 

Please inform me what can be done.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (OK)

XX/XX/XXXX I was suppose to receive the card and Ive called and called to get a tracking number and havent received a tracking number and I even expedited the card and still nothing. They continually ask for my social but no tracking number