davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
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: CORELOGIC INC (FL)

I currently have  XXXX  inquires on my credit report that I have not given consent to.    1. O n   XX/XX/XXXX    XXXX /  XXXX   XXXX   XXXX      XXXX   XXXX  l , Fl.  XXXX   2.  On   XX/XX/XXXX  a nd   XX/XX/XXXX  Cr editor contact details    XXXX     XXXX   XXXX  , Ca.  XXXX  3.  On   XX/XX/XXXX    XXXX   XXXX    XXXX , Pa   XXXX   4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX Certified credit report  XXXX , Ca   XXXX
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (DE)

Apple CC stated you could open a CC and they would not pull a hard Credit report. That was completely false. Although I did receive an approval, there was a hard inquiry which appeared on my Credit by Goldman Sacks. Which affected my Credit Score.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I recently got married and created a joint bank account with my wife in person at this branch. We deposited our wedding checks in person at this location. One-third of our checks were flagged for " fraud '' for absolutely no given reason. Our account was closed before we were made aware of this. Chase then asked to contact the check makers to verify the checks. Chase then said that some of the phone numbers providers were not valid ( they would never tell me why they weren't ), or they would call my friends and family members and speak with them three times, to the point they felt they were being harassed. We decided to open a new account with Chase since we were told Chase would clear our checks. Here we are two months later, and our account was closed again. I've asked repeatedly for my situation to be reviewed by a branch manager, regional manager, district manager, fraud manager, etc. Most recently, I was told, " it looks like there is nothing more happening with your case. I don't see that any new actions have been performed since we last communicated ''. Honestly, this is fraud by Chase for them not releasing my funds. It's approaching 75 days and they still have several thousand dollars that they're refusing to release the funds to me.
Consumer complaint received 2017-06-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I have complained to you about Navient several ti mes, and their has been no change in their conduct. For the last two years I had to fight with Navient to  get my remaining  XXXX  loans consolidated into  XXXX . I was given  nothing but a runaround and yes had to complain to the Ombudsman Group to even get them to act. When I spoke to them they had no clue about my loans, made me call several other places, I wrote the U.S. De partment of Education themselves and on and on, Finally the Ombudsman Group was able to get it resolved.     During the process I asked for all of my loans to be placed in a income based repayment, I received a letter from them that they needed my income tax information, t he studentloans.gov is  where I applied for it and the transfer tool was not working. I sit here today and I have reieved several notices from them that my loans will be increased and payment will be due soon. No mention as to what the process of my application is.     I have had a  Income based payment plan, I am trying to continue it. No one at Navient kno ws what the  XXXX  they are doing, no one is on the same page and I am simply done with dealing with them having to do their job for them and every year go way beyond what I need to do to get them to do their job. Check your records and look at how many times I have complained to you and how many other have complained also.
Consumer complaint received 2017-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AP)

I 'm currently XXXX XXXX in XXXX XXXX and I have a VA home loan as of 2011. My original Home lender was XXXX XXXX. In the month of XX/XX/XXXX I noticed that my direct withdraw for my mortgage was not being done. I contacted XXXX and they informed me that my loan was transferred to LoanCare. I looked up LoanCare online and according to their website, they say it could take 60 to 90 days for the loan to complete. Around or about 90 days I contacted LoanCare regarding my loan and  asked if I could set up my online withdraw, I was told no not at this time and I could give my back account information or pay through XXXX. Paying mortgage through XXXX or giving away my bank account information without official notice of loan transfer is not the proper way of conducting business. I recently contacted LoanCare and was told that my Loan was in the process of foreclosure. As of todays date I have not received a loan transfer notification or notice of foreclosure.
Consumer complaint received 2017-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo ov erdraft collection department calls from  XXXX . Called me on  XXXX   XXXX  at  XXXX . I have reached out  to Wells Fargo and all they wish to do is remove my phone number. Did not identify themselves as debt collectors when I asked as well with 3 different people. claimed they do not leave messages
Consumer complaint received 2017-06-19
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. (HI)

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with 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 with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.
Consumer complaint received 2018-06-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VEROS CREDIT, LLC. (TX)

The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (TX)

my wife is XXXX on XXXX have XXXX problems and is taking XXXX meds when a friend took her to title max for we were having some financial problems thaey gave a title loan on the car that she use to take her to the doctor.This was XX/XX/XXXX. refinance The loan was for for XXXX XXXX she kept paying the high interest 607.00 0ne time she paid XXXX then another time she paid XXXX now they told her onXX/XX/XXXX that she was in default of {$4400.00}. she was paying the interest and more every month. They even had her income as XXXX which she never told them that she only receive XXXX on XXXX and XXXX XXXX sometimes XXXX. what is going on this is a ripoff and also they took advantage of a XXXX person. She had already paidt them over {$6000.00} please help as soon as possible thanks.its titlemas XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX.phone XXXX fax XXXX. I was her Payee they  should have never given her a loan without my consent. she is not stable when she do n't take her meds and her friends tempt her she had a XXXX XXXX in XX/XX/XXXX and she had XXXX XXXX in XX/XX/XXXX after that that she was placed on XXXX  medications for XXXX XXXX where she have to tale a lot of medications. she had been going there giving them the payments without even reading stuff and just doing what they told her to do. she said they have a screen that have the things on it and they tell her to touch certain things and that how they do then they takethe money she give them it be over the interest sometimes what happen to that money. why is the loan more than she owed it went down and now it sent back up even after they already got over 6000.00 some one please help or attorneys will be involved. we also want o help others so they do n't fall into this same trap and get ripped off they need to close down these places.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (MS)

I purchased a course from an individual name XXXX XXXX XXXX. He took my credit card information and gave it to some guy name XXXX that was at the 7 day course meet up. Then my card was charge by XXXX and XXXX to XXXX XXXX company.
Consumer complaint received 2017-06-18
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. (IL)

I disputed inaccuracies on my report and I received a notice back that the errors were not corrected on my report. I have no current contract with  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  or  XXXX   XXXX   XXXX . I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to being false and unverified but Equifax continues to harm my ability to participate in commerce.
Consumer complaint received 2017-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC (GA)

ON  XXXX    XXXX   I TOOK A SMALL LOAN OF  XXXX  FROM THIS COMPANY WITH A INTREST FEE OF 625 % WHICH I DID N'T NO OF AND THEY WAS CHARGING A FEE OF  XXXX  EVERY PAYDAY AND NOTHING GOING TOWARDS THE LOAN. AND I WAS FORCE TO CLOSE MY ACCOUNT BECAUSE THEY WAS USING DIFFERENT LOAN ID 'S TO DEBIT MY ACCOUNT AND NOW THEY SENDING ME THREATENED EMAILS SAYING THAT THEY GONE SEND MY INFORMATION TO A THIRD PARTY WHICH LOAN ID IS #  XXXX . AND THAT 'S ANOTHER ID THEY USING .ITS FRAUD AND THEY ARE UNLICENSED.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (OR)

A few months ago I paid down my Key Bank credit card to XXXX. I worked really hard to pay down my CC to XXXX. I am proud of myself for paying down my CC to XXXX. 
Thinking that my CC balance is now XXXX, I did not make a payment one month. Next statement there is a {$20.00} charge from an auto pay from XXXX or XXXX  or something like that that I didnt expect AND a late payment fee of {$39.00}. I called and asked to have the late fee removed ( who knew there would be a minimum payment due on a {$20.00} balance anyway??? ), the person on the phone said I already made a requested to have a late payment fee removed and therefor exceeded all my options to have this fee removed. I paid the {$20.00} charge. Next statement there is a balance of {$39.00} and a late payment fee of {$39.00}. I called the bank band to asked them to remove the fees, or I will cancel my card, which I did because of course they wouldn't. ( and I remember the guy who closed my account saying the account is closed and I had a XXXX balance ). The next statement after that shows a balance of {$80.00} and yet another late payment fee on my now closed account. Now I am threatening to cancel all my accounts with Key bank because I have over {$100.00} of late payment fees for late payments of late payment fees. They still refuse to remove to the fees. I have a very high credit rating, and do not want this fiasco messing that up.
Consumer complaint received 2017-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo Mortagage FEES : Extremely High intial Loan fees : {$4500.00} on {$82000.00} house Refinance VA Loan in XX/XX/XXXX {$2700.00} of more i think on {$78000.00} WELLS FARGO OVERCHARGE ME {$1000.00} ( {$500.00} X2 ) ON ILLEGAL LAWYER FEES TO START! CLOSING COST BY THEM WERE EXTREMELY EXPENSIVE! I FEEL THEY HAVE COMMITTED VA LOAN FRAUD ON MY ACCOUNT AND I HAVE NEVER BEEN REIMBURSED! PURCHASED HOUSE : XX/XX/XXXX ( WELLS FARGO ) REFINANCED HOUSE : XX/XX/XXXX ( WELLS FARGO )
Consumer complaint received 2017-06-18
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. (SC)

Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm writing due to non complIance with the CRA Equifax they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

XXXX  XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Military Credit services Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (NY)

I calle d KeyBank at the  end  of  XX/XX/XXXX  for a def errment. The deferrment was approved. I have sent in the agreement  four tim es, and they have only gotte n one of  them, and will not accept it because it was cut off. I called yesterday to confirm receipt of the agreement, and she said she only got the one that they can not accept. If I am sending all of them to  XXXX  XXXX  XXXX , how have you only received  one of the four? I fe el as if they are forcing me into losing my car, and I am doing everything that I possibly can to ensure this is taken care of.  <P/> Th e agreement is due today (  XX/XX/XXXX  ) and  I am worried that they are going to claim they did not get it, or that they can not accept it.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

Sometime last year, I had a checking account with U.S. Bank. I did NOT have automatic overdraft protection, and since I did not have this service, I was under the impression that all debit purchases that exceed my checking account balance would be declined. I made a decision to move my primary checking account to another bank, but I did not close my U.S. bank account. I believe I had a balance of just under {$10.00}. At some point in time, a debit purchase that exceeded my bank account balance by about {$0.00} [ XXXX XXXX ] was paid by the bank. Then, shortly thereafter an OD fee of {$35.00} was posted to my account. I did n't realize that this happened until about 5 or 6 months later. During that time, the bank continued to charge recurring fees because my account was overdrawn. By the time I realized what had happened, the bank had charged over {$300.00} in fees to my account and they closed my account. I sent a few correspondence directly to the bank using their secure messaging system. Unfortunately, once my account was closed, I no longer had access to the messaging system, and I did n't think to make copies of the correspondence for my own records. <P/>In short, I think this bank has unjustly enriched itself by charging over {$300.00} in fees for a XXXX XXXX transaction that they should never have approved in the first place. One of the reasons I chose to move my checking account to another bank was because I felt that U.S. Bank charged exorbitant fees and they were not XXXX-friendly ( I am currently a XXXX XXXX XXXX XXXX ).
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I requested a payment of {$8000.00} from my retirement account at XXXX in XXXX. XXXX mailed a check ( # XXXX ) to my home on XX/XX/XXXX.
<P/>XXXX 's Bank is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Having not received it by early XXXX, I contacted XXXX. They said the check had been cashed with no endorsement, marked for 'deposit only. ' I did not cash/deposit nor reached this check. It was intercepted and deposited by an unknown party without a correct signature. XXXX mailed me several forms to complete, including an Affidavit of Unauthorized Endorsement or Altered Item. I had these pages stamped by a notary public on XX/XX/XXXX.. <P/>XXXX received these items on XX/XX/XXXX and XXXX emailed them to JPMorgan Chase onXX/XX/XXXX and JPMorgan responded to XXXX 's confirming receipt on XX/XX/XXXX. XXXX REP : XXXX. XXXX XXXX / Senior Investigator Client intelligence Unit XXXX / XXXX ext : XXXX JPMorgan Chase Bank will not respond to me with any information, since I am not the issuer of the check. They have have emailed XXXX. XXXX when he asks : with- in process. <P/>I continue to reach out several times to JPMorgan Chase - no information provided. JPMorgan Bank XXXX, OH Dept : Acct Check Claims XXXX Option 3 JPMorgan has been 'in process ' for nearly 3 months and I am overdue for a response and replacement check for {$8000.00}. {$8000.00} is a large amount of money to me. The money was to be used for taxes and medical expenses. This check appears to have been intercepted in the mail and deposited without my consent by an unknown person. <P/>I am seeking your help to reach a positive conclusion to this long overdue JPMorgan Process. Thank you.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CT)

So, currently I have a PayPal business account, and with it a PayPal Business Debit XXXX. This debit card is subject to a daily limit of {$400.00} for things like cash advances, atm withdrawals, etc. In addition to this, I have a XXXX XXXX account, and with it a XXXX XXXX Debit Card. This debit card is also subject to similar limits, but its limit is {$1000.00}. Now, I am trying to move funds from PayPal to XXXX XXXX, I attempt to add money to XXXX XXXX with the PayPal Debit card, but I want to move more than the {$400.00} limit so its unable to complete. So I go to PayPal and I attempt to transfer the funds to the XXXX XXXX debit card, and again it declines. Confused, as I was attempting less than the {$1000.00} limit the XXXX XXXX card is subject to, I call PayPal customer service. I am then told, once by a representative and again by their supervisor, that in PayPals system it is not able to distinguish a difference between an attempt to charge going through the paypal card versus an attempt to charge going through the XXXX XXXX card. They are apparently identical charge codes, thus the system things any charge going through the XXXX XXXX card is actually going through the paypal card, as of course they only recognize their own service, and is imposing the withdrawl limit of {$400.00} on it. After bringing up the fact that on this very website there is documentation stating that the card issuer is the one who can determine the limits a card is subject to and the fact that PayPal is not the card issuer I was told there was nothing more that could be done and that I was free to report them to you. So, heres me doing that.
Consumer complaint received 2017-06-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have attempted numerous of times within the past 2 years to pay off a balance that was owed to  XXXX  University. At the time I was not able to afford to pay off my balance and it went to a collection agency. During that time I have attempted to pay in full 3 times but they would not allow me to pay the {$1200.00} balance but instead they wanted me to pay {$1500.00}. I am a single parent trying to further my education and at this time I am ready to pay the {$1200.00} in full. At this point I have asked  XXXX  would they accept the payment in {$1200.00} and they would but it would be turned over to the collection agency which charges an extra {$400.00}. Please let me know how I can get this resolved.
Consumer complaint received 2022-01-05
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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