davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. Equifaxs phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

On XX/XX/XXXX I sent Certified Mail to all 3 Credit Bureau. Equifax / XXXX and XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/XXXX none of the 3 major Credit Bureau havent provided any original signed consumer contract.

Company : XXXX XXXX XXXXs / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX  XXXX XXXX funded a clearly altered check that I wrote from my Chase checking account for {$20000.00} and has refused to reimbursed me. 

The check was made out to a roofing company, but on the digital image of the check it is obvious that the payee and note portions of the check have correction tape over the information that I had written. The payee was altered to indicate an individual who is not associated with the roofing company. The digital image of the back of the check shows a signature, but no funding institution identifiers. I reached out to Chase, submitted all requested documents and reached out to follow-up multiple times.

The Chase fraud dept reportedly submitted this claim to XXXX  XXXX XXXX and after a 60-90 day waiting period, I reached out to Chase again and was advised  that XXXX  XXXX XXXX " was unable to recover the funds ''. I was also advised that Chase closed my claim and would take no further action since they had already reached out to XXXX  XXXX XXXX, and XXXX XXXX XXXX was " unable to recover the funds ''. I was advised that Chase would not pursue this matter further, nor would they reimburse me.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

XXXX  keeps adding the address to my report which I have never lived in IL. I have lived in WA State my whole life, This is a issue I have to dispute every 2 to 3 years. Please remove this address again. It states on my report as of former 2018. 
XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

All throughout XXXX, I was unable to make my mortgage payment, as per a representative I spoke with, their systems crashed and would be resolved Before XX/XX/XXXX, so I would be able to make my online payment. XX/XX/2020, I went in to make my payment, which I WAS able to make, but there was a note that stated I did not have to pay, as my account was in forbearance. I NEVER REQUESTED to be on a COVID forbearance plan, so after making my payment, I immediately contacted Wells Fargo to rectify my account status. The representative I spoke with stated it would take 2 weeks for my account to reflect the proper coding. Regardless, I received an alert from my free credit reporting there was a remark on my credit BY WELLS FARGO, stating I was in a forbearance plan. I am reporting to both the CFPB and OCC, as I know any credit reporting tied to COVID is a direct violation of the CARES act. Again, not only was this reported in violation of the rules and regulations set forth by our regulators, Wells Fargo also reported erroneously as I A ) did not request to be placed on a forbearance plan and B ) my loan is current, with a due date of XX/XX/2020. Also, I have never made a late payment, so am very upset about how my credit report reflects a forbearance status. I have attached screen prints from my credit reporting showing the remark, as well as from my account, showing my account is current. 

Lastly, my step dad, XXXX XXXX XXXX, is on the note, but not the mortgage. I am currently only filing this complaint on my behalf, but would expect if his credit were affected as well, the same updates to credit reporting should be reflected for him. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by CITI. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE FARM BANK, FSB (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by State Farm. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Barclay. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2021-01-20
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: GOLDMAN SACHS BANK USA (CA)

I purchased 3 airline tickets from a foreign airline by the name of XXXX. 

Our flight was scheduled to depart in XX/XX/2020. We received short notice that our flights were canceled and a voucher was " issued '' and could be exchanged for another flight within 1 year before expiration. The airline announced that they would no longer fly from the USA making using that alleged voucher impossible since I must fly from the USA to any destination. For months their customer care stopped taking calls and there was no way to reach them. I attempted to call XXXX multiple times to learn how to redeem the alleged voucher that wasn't showing up on my account. After several attempts to reach them, I filed a dispute with Apple Card and they shortly decided to close the claim in favor of the airline. Stating that the merchant has told them they provided a credit voucher. I went to further explain there was no such voucher on my account and they weren't operating anymore. The Apple Card rep was no help and said unless I had " new '' evidence there was nothing that could be done. I was infuriated! I had just been robbed of almost {$500.00} and the company presumably helping me was siding with the merchant who is being dishonest. 

A few months passed and now the airline 's website ( XXXX ) is no longer in existence, their customer care 800 numbers are not in service! 

It has been publicized that the airline has not even paid its workers. I shared this with the 3 Apple Card representatives and all of them gave me the ridiculous response that it " wasn't new evidence ''. This airline has thousands of hundreds upon hundreds of complaints about their practices and the company that has promised to back me up has not done so. This is all so frustrating, we are in the middle of a pandemic, we have no jobs or steady income and now this? It makes me sick to my stomach, I am deeply disappointed with Apple Card because I've heavily promoted their products and services to everyone I know and converting most of them from their competitors to XXXX and now they have failed me. 

XXXX can not just agree with the merchant ( XXXX ) that they have provided a solution when their website, phone numbers, and the airline is not even operating. 

I've attached some screenshots of the ongoing issue and hope I can find someone who can help me. My next step is contacting the media to shine a light on this issue.
Consumer complaint received 2017-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

This excerpt from an email sent to LoanCare on XX/XX/XXXX sums up the situation : " This is re : my new mortgage payment amount. As I have provided documentation over 4 months ago showing that I am exempt from property tax, and as LoanCare has taken no action in all this time to adjust my mortgage payment but has dunned me to pay my previous payment of {$480.00}, I have found it necessary to take matters into my own hands. My annual property tax amortized monthly is approximately {$68.00}. As I am exempt from property tax this leaves {$420.00} which will be my new mortgage payment per month. Moreover, my exemption began on XX/XX/XXXX yet I paid the former mortgage payment that month. Thus, I have overpaid LoanCare {$68.00} which I will deduct from the payment for XX/XX/XXXX. Thus, on or about XX/XX/XXXX I will pay $ XXXX or {$350.00} which should correct my account. As my need to take this corrective action is a direct result of LoanCare 's unresponsiveness to my emails and phone call, I expect LoanCare to notify all credit agencies it reports to and ensure that my record shows I am in good standing. If attending to this situation is too difficult, demonstrated by LoanCare 's continuing  unresponsiveness to my account 's needs, perhaps the Better Business Bureau will be able to assist. 

In futile hopes of prompt attention, '' LoanCare responded to this email by continuing to dun me for payment that was not owed. I did file a complaint with the Better Business Bureau at which point LoanCare 's escrow department finally reevaluated my account, but the amount they claim my monthly payment should be is higher than I calculated and they claim I am over {$700.00} behind on my mortgage, which I am not. They continue to dun me for payment sending letters threatening me with foreclosure.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: E*TRADE BANK (MI)

This is to advise that etrade XXXX  closed my accounts without any written or email notifications per their customer agreement. On XXXX XXXX while out of town i noticed i did not have access to my accounts. I called etrade bank and they advised two of my accounts were closed suddenly and the third was closed for everything except investment deposits. I asked why? they stated per their customer agreement they are able to close accounts down. I was questioned about all of my deposits which are all legitimate deposits into my account and the rep questioned why so many companies. I advised that I am a business owner. I have been discriminated against from this banking institution that i have been a customer of for the last 8 years. The rep kept insisting based on the customer agreement they had that choice. I advised per the agreement it also states they would give a customer a 30day notification and send letters to advise of the closing of any accounts and representative confirmed on many occasions during this call this was not done. I had to quickly change banks for direct deposits and withdrawals some of which I had coming in the same day they decided to close the account. They were also redlining the use of my card and account before this denying certain transactions and would not approve them when the funds were available in my account. They have in the last year done unfair trade practices as a banking institution, which has caused me a lot of havoc personally and in my business. They should not be allowed to no follow protocol or discriminate and in their agreement in print it states they will notify a customer and give a 30 day notification. During the time of the account closure there was not a negative balance, I have never carried a negative balance on any of the accounts more than 30 days. There was no fraud activities and although many deposits came in they were legitimate deposits. I asked the rep why was I being questioned what cause and she could not give a complete answer. Also the day before the accounts were suddenly closed I called in with a third party to verify a transaction and the rep asked for my security question with a third party on the line. When asked why this was done he had no answer. I advised when third parties are on the line basic information such as account number and name are only to be disclosed based on what I was told by ETrade. After this situation my account was closed.
Consumer complaint received 2020-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

I had an auto account with XXXX XXXX XXXX that was sold to Jefferson capital and they offer me an settlement which I had paid successfully on XX/XX/2020of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XX/XX/2020they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account
Consumer complaint received 2018-03-19
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. (FL)

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-11-24
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. (VA)

When I was abroad, I bought bus tickets using my credit card and manually input my name in their system. They assigned me seat numbers and printed my name on the ticket as you can see on the documented tickets that I 've provided ( Original1 and Original 2 ). 

I did not bring my ticket the next day, but thought it would be fine since they had it in the system. However, the company refused to print me out my other ticket and forced me to buy another, as the bus was leaving at that moment - as shown in the next provided document ( Ticket 2 ). 

When explaining this to my credit card company Chase, they not only had difficulty finding my charge on multiple occasions, but when they refused to contact the merchant to dispute the case. Furthermore the first representative said that I 'd be mailed something, but nothing ever came. The second representative said that the case was already closed and then reexamined the case, but merely agreed with the first rep 's conclusions. 

The travel industry is such that when personal information is used to identify a passenger along with a credit card number AND the information is stored within the network, companies have the ability to print out an additional ticket. Therefore I was essentially charged twice ( and the second time there was a higher charge ) for the same product. 

I then requested to speak to a customer service representative to see what options were to cancel my card as I was getting frustrated. The customer service representative, in an effort to salvage the relationship, then connected me back to the disputes department. I did not have any further time to discuss this issue, as I had been on the phone ( back and forth ) for over an hour and finally decided to write to the CFPB. Thank you very much.
Consumer complaint received 2020-05-04
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C. (MO)

I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.
Consumer complaint received 2020-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (PA)

On XX/XX/2020, I called finance company to satisfy the debt of XXXX. I paid the settlement price and was supposed to receive a presettlement letter within two to three days. I called about a week later to give them more time and was told it's going to take 10 to 15 days. I have tried several times to receive my settlement letter and have not been successful. The last time I tried to call they stated they were going to email the representative that I spoke with and that he would email me the letter. It has been about 45 days and I still have not received my letter. They received money and when I call back now, I can not reach anyone or message will be forwarded to original representative. I also was given a audit number from the representative that took my payment. And I provided that when I try to dispute this. It appears on my credit report that I made a payment but account still has not been updated to paid settlement amount.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY (NE)

The use of the greenhouse program at Wells Fargo is a product that shouldnt be used. The product has options that have already been around for years in the banking community with the use of debit cards. They just came up with a name to sell or market the product. I believe it needs to stop immediately.
Consumer complaint received 2020-10-26
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 (NC)

Paypal has denied access to my account with funds in it and has been slow at " closing the account down ''. This has been delayed since early XXXX. It's almost been 2 months and I still do not have access to the funds
Consumer complaint received 2020-05-03
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. (VA)

Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on my credit report