davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2017 I set up a scheduled payment to pay to pay off my phone bill. I authorized {$100.00} to be taken out of my bank which is US Bank but During that time my bank sent out a letter ( I do not know when ) saying they had cancelled our cards, which I never knew because I had moved out of my original house. For two weeks I had went without my access to my debit card, at the time I did n't need to use it.. I called US bank and had my address changed to my current address but in the mean time I could not use it. only way I could use my card to pay off my bill was by giving XXXX XXXX XXXX my routing and account number. Again, I had only authorized {$100.00} to be taken out. Instead XXXX XXXX XXXX went ahead and took out the full payment of {$360.00}. I did not have any funds in my account except the {$100.00} and becuase of this my bank account continued to go from negative to positive additionally charging me {$36.00} each time for the overdraft fee.. I reached out and called a Banker but she informed me that there was nothing they could do about it and I would have to just pay it. This bank does not care about anything except taking money. This is the third time I have been charged for this overdraft fee. I am working to pay it off for the mistake of XXXX XXXX XXXX but each time I get money sent into my account and I 'm in negatives I get charged. When my account goes to positive I get charged. This is a problem and my bank is n't trying to help so I am sending in my complaint. Hopefully someone can assist to help me.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. M & T and their business practices are ridiculous. They ended up unblocking my account and I had access again. Everything was working perfectly normal but my online purchases kept getting declined for suspicious activity. Now a week later my account is frozen again my card Is blocked and I have 0 access to my online banking or my funds!!!!!
Consumer complaint received 2017-07-21
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. (CT)

Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone
Consumer complaint received 2017-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MD)

My mother XXXX suddenly on XX/XX/XXXX so we ended up having to dispose of her assets. ( There wasnt much my step fathers XXXX pretty much eliminated most of it. ) To make a long story short advance to XX/XX/XXXX after probate, XXXX XXXX requested that I request a payoff from Citimortgage. I did however they needed one valid through XX/XX/XXXX. On XX/XX/XXXX I contacted Citimortgage and requested a new payoff that was faxed to XXXX XXXX. On XX/XX/XXXX they wired the payoff amount to Citimortgage. Shortly after Citimortgage returned the payoff amount and claimed that on the XX/XX/XXXX they received a bill for {$600.00} from a company in XXXX XXXX which they contracted in XX/XX/XXXX?, to check on the property and do any maintenance. They say this is standard procedure when a property goes in arrears. They claim to have made 3 visits to change locks and landscaping and cleaning. First of all my mother passed in XX/XX/XXXX and was up to date so didnt become past due until middle of XX/XX/XXXX. Please note letter from the bank verifying when the when the delinquency began. Next there is a H.O.A. who does all the maintenance and there is no back yard just a 6ft by 20ft concrete slab. As far as the locks, the current tenant is using the original keys. There was nothing ever done. I have attempted to discuss this with Citimortgage but they cut me off because they do not have any paperwork showing me as the executor or the death certificate. These have been faxed to them and XXXX has copies of the verification they received it. They are saying that it takes 7 to 10 days before it is input to the system, and yet they supposedly received a bill and was immediately placed in the system. They will not discuss anything with the title company or myself letting the interest and fees add on and soon another payment to be included. They also can not produce anything verifying services were done either. They made a mistake and want someone to pay for it. All we are looking for is to drop any additional charges, fees and interest and accept the payoff as is written by them and issue the deed. This is also what Nevada requires them to do.
Consumer complaint received 2017-07-21
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: JPMORGAN CHASE & CO. (TN)

MULTIPLE inquiries on my credit report by Chase Card for an Amazon.com Visa Signature Card that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted Chase Card and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (OH)

MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN
Consumer complaint received 2017-07-21
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: CITIBANK, N.A. (TN)

MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX Citibank XXXX XXXX
Consumer complaint received 2017-07-21
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}
Consumer complaint received 2018-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NC)

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has been reluctant in addressing my concerns in detail as follows : # 1 A clear documented chain of title, from the origination initiated by XXXX XXXX XXXX , XXXX up to its current " XXXX &   XXXX. '' # 2 Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current XXXX & XXXXXXXX XXXX See attachment of my deed.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I was diagnosed with XXXX XXXX XXXX that XXXX to my XXXX. I have been going through an extreme financial hardship as I was unable to work. The XXXX appeared, only months after I graduated from school, and I was treated immediately. My doctor kept me off work due to difficulty with the regulation of the medication and other various complications. The lender, offered very few options to forebear this loan, or to lower the payments. I have been struggling to afford my medication, or food for that matter. I have called the servicing company Aes on several occasions begging them to help me out and they refuse any help. This has created an even greater hardship, because if I default on this loan, it will cause me problems with my moral character background application to become a XXXX XXXX. I obtained this loan to go to school to become a XXXX, and if this loan defaults, it may be impossible for me to do so, which defeats the purpose of me obtaining this loan to begin with. I wrote a letter to the lender, because I can not afford this current payment. I have called and asked them to extend the payments out, or do something so that I can lower it or to give me more time until I can get on my feet. They have not even responded to my letter, nor will the servicing company do anything further to help me. I was even told by them, that even if I die from my XXXX, that they will go after any assets that I have to get their money. The stress of this is aggravating my illness, and the lender does not care. The original loan was for $ XXXX and I have a letter that says that payback after 15 years, will be at $ XXXX which is almost triple the amount of the original loan. A loan shark would n't even charge that much, how could this be legal? I requested my original promissory note, so that I can see exactly what they are limited me too, and the company refused to provide it. I do n't even think that they have the master promissory note and they are implementing rules that are not even on the promissory note.
Consumer complaint received 2017-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CT)

After contacting US Direct Express over 500 times ( I can prove this fact via call logs ) my Fraud issue has not been rectified. The customer service at US Direct Express is toxic. I am unsure why the treasury department allows Comerica to manage Social Security benefits. I have been actively pursuing a fraud issue on the Direct Express card for 1 year. I have been contacting Direct Express since last year to resolve this and they have n't lifted a finger. I have proof of contact from US Direct Express, that forms were sent to me last year regarding my fraud complaint, yet the Comerica/US Direct Express did nothing to solve the problem. Halfway into XX/XX/XXXX I began contacting US Direct Express regarding unauthorized use of the debit card. The " tier 2 '' department stated that they would close the card and send me a new card. It was n't until late XXXX of XX/XX/XXXXthat I received a replacement card, approximately TEN MONTHS OF ACTIVELY TRYING TO GET POSSESSION OF A NEW CARD. It took US DIRECT EXPRESS OVER TEN MONTHS TO SEND ME A NEW CARD. ON TOP OF THIS, US Direct Express charged me NUMEROUS TIMES FOR replacement cards and EXPEDITED SHIPPING REGARDLESS OF NOT RECEIVING THE CARD. If I approached XXXX XXXX XXXX or XXXX about issuing a new card, it would take, at MOST, 2 days to receive a new Card and at times SAME DAY. IT TOOK US DIRECT EXPRESS TEN MONTHS TO ISSUE A NEW CARD. Please keep in mind that during these TEN MONTHS, US DIRECT EXPRESS FAILED TO SEND ME A NEW CARD. US direct Express stated that they sent out replacements but had no idea where they actually sent my replacement card to ). Meaning, even after US DIRECT EXPRESS FINALLY SHUT THE CARD DOWN AFTER HUNDREDS OF PLEAS TO DO SO, the account and the funds issued by Social Security could not be accessed because no REPLACEMENT CARD WAS EVER RECEIVED. How is it possible that Comerica/US Direct Express creates BARRIERS for the XXXX to ACCESS THEIR FUNDS ISSUED BY THE GOVERNMENT! To add to the issues, in XXXX of XXXX I received a fraud affidavit and sent US Direct Express the information as instructed by Tier 2 customer service, as well as the first level of customer service. It was filled out and sent to US Direct Express within the 10 days they state that the form needed to be sent in. Within those 10 days, when US Direct Express receives the form, in their own WORDS, US Direct express will credit the account if the affidavit is received within 10 days from when the customer receives the affidavit. Numerous affidavits were sent to me and sent back to US Direct Express, as they requested and nothing has been done to get my money back. After reviewing some of the thousands of other complaints, lodged with the CFPB against US DIRECT EXPRESS, I am one of many customers that have the same issue. I urge the CFPB to review the thousands of complaints against US Direct Express, in order to file a class action law suit, which was recently implemented policy as of early XXXX.
Consumer complaint received 2017-07-21
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. (OR)

We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated
Consumer complaint received 2018-12-01
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: JPMORGAN CHASE & CO. (NY)

I applied for a mortgage with XXXX XXXX XXXX  in discussing the interest rate they advise me that the rate was based on my credit report and that I delinquent with Chase Card Services acct ending in XXXX amt.  XXXX .... This acct has nothing to do with me it belongs to my wife XXXX XXXX and I was NOT an authorized user on this acct. I have contacted Chase and they have advice they will be removing this ERROR from my credit history with XXXX and XXXX ... I would appreciate if this error is removed as soon as possible from my record so that I may receive a better interest rate on my new Mortgage. Thank You, XXXX
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

My XXXX XXXX XXXX account was to be added to consolidated credit counseling program. There seemed to been a problem transitioning into the program.Sychrony bank put three late fees onto my account and an over the limit fee! I was contacted asking that we pay {$150.00} minimum payment for the mistake. I would like the error corrected on our credit and account. We have made every attempt to keep the account current synchrony bank has been incredibly difficult.
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC (LA)

I tried to pay my mortgage on XX/XX/XXXX. The payment came back NSF. I transferred the small amount I had in savings to my checking account to cover it and called the bank to ask if the payment would reprocess. They told me to call GMFS. GMFS told me that it would NOT reprocess and that I would have to make another payment. I asked several times to make sure it would not be taken out of my account twice. The rep assured me it would not, so I made another payment on XX/XX/XXXX for {$890.00}. When I looked at my account the next day, ANOTHER payment for {$890.00} was taken out titled " Retry payment. '' So the customer service rep lied to me. 

I called immediately after I figured this out and had to wait for a callback. When they called back, the rep told me he put in a request to refund and escalated it to a supervisor. Two weeks later, I still had not received my refund. Meanwhile, I could not pay ANY other bills during this time because GMFS had my money. 

I called again on XX/XX/ and again had to wait hours for a callback. I was told that the request for a refund had been DENIED, but they could not give me a reason why. I asked for a supervisor and waited for her to answer. The supervisor said she would have to check with someone else and would call me back in an hour. She never called back. 

I started messaging GMFS on XXXX because they seemed to be more responsive on that platform. Finally another rep called me and told me they would send a check out in the mail and overnight it. I NEVER RECEIVED THIS CHECK. 

We are now 3 weeks past the date that my mortgage was taken out twice. I have not been able to pay other bills because of this and have been racking up credit cards to buy food and essentials. I have tried contacting them several more times, but they are so hard to get in contact with right now.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I received a mailer offering XXXX bonus XXXX miles after I had spent {$2500.00} each month from XX/XX/XXXX-XX/XX/XXXX. I opted in on the website as directed, and completed the {$2500.00} per month spending per the terms. The miles were supposed to post within 8 weeks of the promotion end date and they have not yet posted, it has been nearly 12 weeks. I have tried on multiple ( 10+ ) occasions to work with Barclays and they have opened two separate " cases '' # XXXX and XXXX however nothing has come of these and I have received nothing but half responses to my questions.
Consumer complaint received 2022-10-03
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-25
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. (PA)

I did NOT give written permission to have these fraudulent accounts furnished on my report. I surely hope that each company will comply with code ; 15 usc 1681a2 ACCOUNTS : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Per XXXX app and XXXX XXXX, My Equifax has not updated since XX/XX/XXXX in XXXX XXXX  and since XXXX in XXXX App with my membership that show all 3 credit scores. I have called Equifax who keeps telling me that it is because nothing is being reported which is absolutely false because the other two bureaus have been reporting each month with no issue
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I have loans with Navient and I the repayment options are impossible. I do n't see how the repay is this high, the interest is high as well. I feel that Im being over charged. The constant harassing calls, emails, and letters are out of control