davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NV)

In XXXX I was injured and has loss of income. I requested lowered payments which I received notification of and had the loan book ; however payments are made online. The online amount was not changing and I could not afford the higher amount. I received and email regarding a forbearance and applied. For approximately 3 months Navient expressed they could NOT find my account to process the forbearance, yet sent me emails weekly to the email address that was NOT associated with any accounts. I also have XXXX cell phone records that I also attempted to call. Once the forbearance was finally approved while I kept working to get them to adjust the online payment amount to the correct amount for the payment book the took another month to actually process the forbearance after I received my approval letter. They were marking me derogatory in my loans throughout this whole process when I was told it would be dated back to my original email request date as it was their error. The delinquencies continued throughout the forbearance and followed through as I began my payments. Although it was in forbearance for 3 months my follow up payment was reported as 120 days delinquent, at one point I made a large payment to stop the delinquent reporting even thought I did not really owe it. I reached out to the company in XXXX and was led to believe it was corrected. However ; life got busy and forgot about the issue until I completed a mortgage application this week and found out my interest rate would not be 3.87 but 4.25 and that closing costs would have an additional {$2200.00} in fees due to the low credit score that the broker stated was due to Navient. I have requested an immediate review and correction through the advocate but do not believe they will do anything again this time. Please make them admit their mistakes and correct them. They also charged me hundreds of dollars in late fees! I hate to believe it was intentional fraud but it seems very suspicious to me that online there was an incorrect high payment and in emails and telephone I was told for months that my account didn't exist and it was only when I stated I would go through XXXX  XXXX  that my account was found. Thank you for any assistance you can provide.
Consumer complaint received 2021-11-04
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. (NC)

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX USA Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

A trust account was established by my mother making JP Morgan Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Vice President & Trust Officer XXXX the Trustee of the Trust. 
On XX/XX/2021 I requested that this account be termination early as per Paragraph C in my mothers will. 
3. Early Termination Provision. Notwithstanding any other provision of this Paragraph 3, the Trustee may terminate the trust for my son in whole or in part at any time if in the Trustee 's discretion ( ii ) for any other reason early termination is in my son 's best interests. That portion of the trust estate as to which the early termination applies shall be distributed to my son. 
I put in a written request to JP Morgan to terminate this account and it was presented to the Board of Trustee 's and it was denied because my justification wasn't strong enough. I even requested a partial termination and it was denied. 
I am XXXX XXXX  and do not have very long to live and I need to get my financial affairs in order before I XXXX. I need money for medical expenses, funeral expenses current debts and taxes that I need to pay for before I die. The intent of the Trust appears to be more for the best interest of JP Morgan than for the benefit of me. If a XXXX man 's request for funds is not good enough, what is?
Consumer complaint received 2021-10-07
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. (WA)

There is a collection from XXXX misreporting a balance to XXXX and Equifax that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

ANY CREDIT CARD THAT I HAVE THAT IS SERVICED BY SYNCHRONY BANK ALWAYS INVOLVES STATEMENTS THAT ARE NOT MAILED, LATE FEES, AND BOGUS INTEREST ADDED TO MY ACCOUNTS I RECENTLY HAD AND REPORTED AN ISSUE ON MY BP ACCOUNT. I FULLY PAID THE BALANCE AND CUT UP THE CARD BECASUE IT WAS SERVICED BY SYNCHRONY. I HAVE WRITTEN LETTERS TO BOTH BP AND VISA TO LET THEM KNOW THAT SYNCHRONY IS DAMAGING THEIR BRANDS WITH POOR SERVICE AND CHARGING FAKE FEES. NOW THE SAME THING HAS HAPPENED WITH MY WIFERS JC PENNEY CARD. TO MY SURPRISE WHEN SHE CALLED THE JC PENNEY NUMBER ABOUT ANOTHER ERRONEOUS LATE FEE, SHE WAS ADVISED THAT SYNCHRONY HAD TAKEN OVER SERVICING. I HAVE NOW PAID OFF THAT CARD AND CANCELED THE ACCOUNT. I WILL NOT DEAL WITH SYNCHRONY AS A SERVICER. MY FICO SCORE IS PRISTINE AND I HAVE NEVER HAD ANY ISSUES WITH PAYING BILLS UNTIL SYNCHRONY TAKES OVER SERVICING. PLEASE INVESTIGATE. FOR EVERY NOTE YOU GET LIKE THIS, SYNCHRONY IS RIPPING OFF UNWITTING, AND UNSOPHISTICATED CREDIT CARD USERS. THEY ARE ALSO LIKELY SCREWING UP USERS FICO SCORES. TO BE FAIR THE REPS ON THE PHONE ALWAYS REVERSE THE LATE FEES SO THERE IS NO FINANCIAL LOSS. MY CONCERN IS HOW MANY OTHER CONSUMERS THEY ARE RIPPING OFF WITH THEIR MAILING AND POSTING PRACTICES.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc. (CA)

On XX/XX/XXXX Upstart Network Inc made a HARD credit inquiry without my knowledge or authorization. Their website offers consumers an option to see the available loan options without impacting their credit score. See attached photo of their website. 
On XX/XX/XXXX I requested my free credit report from XXXX  and found Upstart Network Inc obtained my credit file on XX/XX/XXXX. This inquiry is shown under " regular Inquiries '' that will remain on my credit profile for 2 yrs. See copy of credit report inquiry attached. 
I called Upstart and spoke with a representative who would only identify himself as " XXXX ''. He assured me that Upstart does not make " hard inquiries '' and instructed me to verify the information with the credit agency as there is nothing he could do to assist me. 
Upstart has clearly violated FCRA by obtaining my credit report. Their online marketing practice is deceptive, unfair and has negatively impacted my credit score and ability to obtain fair credit rates.
Consumer complaint received 2022-10-05
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. (MD)

My name is XXXX 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 2019-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IL)

i have not been able to open an account with any banks due to inaccurate fraud statements from 2017 reported from XXXX XXXX XXXX, im a victim of fraud my identity was stolen since the year of 2017 as a XXXX year old looking to start a business i need an bank account and fraud identity that was stolen from my old bank JPchase bank is inaccurate.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (OH)

On XX/XX/2021 a debt validation letter was sent to " TRANSWORLD SYSTEMS '' via " CERTIFIED MAIL ''. 
On XX/XX/2021 " TRANSWORLD SYSTEMS '' updated my credit file with all 3 credit bureaus with an account they have not verified causing damage to my credit score and file. 
As of XX/XX/2021 I have not received any correspondence from " TRANSWORLD SYSTEMS '' in regards to verify said account. 

In pursuant to 15 USC 1692g 809 ( a ) and ( b ) " TRANSWORLD SYSTEMS '' is in violation of the Fair Debt Collection Act. 

Violation # 2 if the original creditor " XXXX XXXX XXXX '' sold alleged debt to " TRANSWORLD SYSTEMS '', " XXXXXXXX XXXX XXXX '' CAN NOT continue to report on my credit file/s for the same alleged debt unless its a charge off which it is not listed as. 

Alleged amount owed {$7700.00}
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

On XX/XX/2021, I registered for an account with Gemini and submitted all necessary documentation to have my account set up and verified. 

On XX/XX/2021, I purchased {$480.00} worth of XXXX ( XXXX ) through the Gemini app. 

Since this date, I have been unable to access these funds because Gemini has failed to verify my account despite multiple attempts to contact them regarding this matter. They have been evasive and unresponsive and I have no way to withdraw my funds from my account.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NV)

XX/XX/2021 - Recieved a debit, credit card in mail from Chime, plus multiple emails welcoming me to my new account. I have repeatedly called and can not get through, have been hung up on, tried over 15 times to call to report fraud. Finally got ahold of someone and then Received email that the only way to close account is to send my drivers license photo- front and back. I am a victim of fraud and will not send more personally identifiable information, especially not through email. Reported to Sheriff and they advised the same. Filing a police report. So far, no one at Chime is bothering to help with fraudulent account. Very, very upsetting. The phone number on their website is XXXX but it is impossible to get ahold of some there.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX apartments in XXXX XXXX, GA. I have contacted XXXX XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Consumer complaint received 2018-08-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ditech Financial LLC (MI)

This is a follow-up to complaint # XXXX. I had asked Ditech Financial LLC to stop calling me and sending me letters regarding the alleged debt in question. In their response, they said they would stop calling me. The CFPB subsequently considered the complaint resolved, and closed the file. 

Ditech continues to send me letters.
Consumer complaint received 2021-08-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has fail again and again. In other words they are good THIEVES. They are not taking responsibility on the money that my mother deposit at their branch. They are washing their dirty hands so easily with the 7 years records. Well, I Demand to Wells Fargo Bank to provide annual statements of the CD ( Time Account ) statements as well renewal notices! We demand proof of delivery of such notices with the US Postal office stamp showing the date of mailing. Also any actions they did with the account my mother XXXX XXXX XXXX opened at Wells Fargo Bank on XXXX, Account Number : XXXX in the amount of {$10000.00}. 
Per my prior filings Wells Fargo Bank representatives fail there procedures and negligence in contacting my mother each year about her Time Account CD renewals. I know Wells Fargo Bank representative mix up driver license when the account data was inputted so they can not find my mother with the CA driver license, however if they ask her for her social security number, then you can locate all her accounts with Wells Fargo Bank. The bank representatives are lazy and do not go beyond their job responsibilities to research and investigate. So the times she went to a local branch they claimed no such account. Any way on XX/XX/XXXX they found her CD account by inputting her social security number. Once again the bank representative inputted the wrong Driver license, so with that they can not find my mother 's CD account. I have asked them to search driver license CUSTOMER ID/DL : WRONG : XXXX, Date of birth : XX/XX/XXXX CORRECT : XXXX. So my mother has asked Wells Fargo Bank to give her deposit money {$10000.00} plus the accrue interests of XXXX from XXXX to the present. Wells Fargo Bank has fail again and again in performing their duty to the customer. Instead they have been quiet and that shows that they do not know how to activate a dormant account to pay it off. So due to the fact that this CD account is insured by the FDIC guarantee of up to {$250000.00}. My mother request the insurance to be pay as soon as possible on her account. If this money does not get pay them that shows to us that some bank people are thieves and they are not following procedures and guidelines and they should be penalized by government entities for failure. 

WE ALSO DEMAND! THAT CFPB ask the Federal Deposit Insurance Corporation to pay off the insurance of the deposited money to XXXX XXXX XXXX with accrue interests immediately!
Consumer complaint received 2020-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (FL)

Note : the original questions asked to file this complaint have no area to comment : thereby not allowing for complete accuracy in answering these questions. 

Please ad comment boxes Today XX/XX/XXXX had to withdraw my previous complaint filed XX/XX/XXXX d/t missing information and miss spelled wording. This original complaint was taken over the phone. 

subsequently I am refiling this complaint. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To BB & T also known as XXXX/XXXX XXXX/financial institution/mortgage company, XXXXxecutive branch : I am filing a formal complaint against your company and the two companies you sub contracted ; XXXX XXXX XXXX & XXXX XXXX XXXX for consumer harassment, trespassing, breaking and entering, and destruction of property at my Residence XXXX XXXX XXXX in XXXX Maryland, XXXX, on XX/XX/XXXX. 

This is the 4th time I have made BB & T aware that they were not permitted to trespass on my property and you have continued to violate my request. 

This has caused an enormous amount of stress on me, and my father who was at the residence on the day this took place. 

I believe your company is not only breaking the law on numerous counts but attempting to force me into default to illegally obtain my property. 

On this occurrence : date XX/XX/XXXX my father went to the house for repairs and found the doors of my home opened with 3 men inside the home, the basement door lock was busted open. 

I was then also advised by the parties present that you had broken the locks and entered my garage also and drained my pipes in the home. 

I asked for a copy of the original work order on multiple occasions and have still not received it. 

I called the city police department and a report was taken. 

The 3 men from XXXX XXXX XXXX provided a work order number XXXX and stated they were hired by XXXX XXXX XXXX who was hired by BB & T to inspect my home without my consent or knowledge. 

At no point was I ever notified by any of these 3 companies of their intentions. 

At no point were they given permission to trespass on my property, and in fact BB & T and XXXX XXXX XXXX were told on 3 separate occasions they were not permitted on my property due to 3 prior attempts. 

They were told they were not aloud on my property with out prior approval in writing by my self within one week of notice of entry. I spoke with customer service, loss mitigation, and your Chairman hotline in regards to this issue and expect a response immediately. 

I have notified home owner insurance company and the Consumer Protection division of the violation. 


With any due Respect, XXXX XXXX XXXX XXXX all correspondence is requested via email
Consumer complaint received 2022-10-05
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: AFNI INC. (CA)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2019-09-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STERLING BANCORP (NJ)

I opened a new 12-month CD account with XXXX ( Sterling National Bank ) and funded the account on XX/XX/2019. 

They emailed me saying the funds would be in my account latest by XX/XX/2019. 

I called them this morning, and on the phone they told me it takes 3-5 business days to fund the account. However, the funds ( {$25000.00} ) are missing and XXXX is unable to trace them.
Consumer complaint received 2021-01-29
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. (CA)

I had my credit checked today XX/XX/2021 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I suspect that these accounts belong to someone with a similar name. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CA)

I was told that I was approved for an loan with LendingClub. I submitted my documents multiple times to them they said needed my bank statements ; I informed the reps that my account just got hacked so I had to open another account.I called over 70 times was told something different everytime which was very confusing. 
I went to my bank waited for over an hour to get bank reference letter which did not have any bearing on the approval.Lending Club had my income documents for an whole week if they were not going to approve why keep leading me on as if I was. When called in final time I told them was contacting the CFPB they sent me a denial letter 30 minutes later. I was speaking to an manager says going to call me back to followup because their was something wrong with the website.