davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I was alerted in XXXX or XXXX that a private student loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I am very distressed. I have sent this company a 609 letter back in XX/XX/XXXX and it has been well over 45 days. if this company can not validate these debt within 30 days then these accounts must be removed. there has been misleading information published on my credit report that I never gave Equifax written consent or authorization to procure or produce with my information. To my knowledge, according to 15 USC 1681a ( 2 ) due to the nature of this consumer report, it has defamed my character to lenders and held me back from getting my home and other things. There have been accounts disputed many times because of this violation and equifax sends me results stating the derogatory alleged debts are validated. To my knowledge according to 15 USC 1692G debt collectors are required by law to meet the 5 requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts. Remove these alleged debts in question immediately.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My card was stolen XX/XX/XXXX, and I didnt know about it until it was I seen the charges. I called one of the locations the card was used at and I reported it to my bank and they are denying my claim.
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (WV)

I had signed up for XXXX which I had to sign a XXXX year agreement after moving into a new house XXXX yr we bought our house and when our package kept changing and our bill never being the same and the channels chamging day to day we decide to end contract. when XXXX put our equipment into our new house they automatically renew your XXXX year agreement with notice. NOW they are charging me for the XXXX year termination fee..
Consumer complaint received 2016-07-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, I had XXXX items on my eBay shopping cart in order to be purchased. The eBay system divided the purchase in XXXX sets of XXXX items each XXXX. The first set for the amount of {$450.00}. During the checkout of the first set, I chose to pay by PayPal Credit which had XXXX options, 6 months to Pay and Easy Payments Plan of {$42.00} for 12 months. When I pointed out the Easy Payments Plan I had to log in to my PayPal account in order to ask for credit approval which after about XXXX seconds was approved. The PayPal credit option was active ( not grey ) and pointed out with a big blue dot and I was able to press the button, Confirm and Pa, which I did. Then, I did the same process for the second set of XXXX items for the amount of {$880.00} which also was approved to be payed using PayPal Credit-Easy Payments Plan of {$42.00} for 24 months. 

Next day my XXXX XXXX XXXX checking account was charged for a total amount of {$460.00}, and over drafted, by which my bank charged {$140.00} fee. This charge was done for the first set of items which were charged as if I had chosen PayPal instant transfer and I did not, I chose PayPal Credit which appears on eBay files. On the other hand, XXXX items belonging to the second group transaction were paid using PayPal Credit and the XXXX others are freeze, they appears as bought but no estimate delivery available. 

I called to eBay and they said the Payment method I used was PayPal Credit and in order to clarify the situation I had to call to PayPal. So, I have called many times to PayPal Credit and first time they said that I had used instant PayPal and they gave me a letter where they say to my Bank, " the customer unintentionally used their bank account instead of PayPal Credit to fund an instant PayPal payment '' which is not true. Then they said that I had not credit and for that reason my back up account was charged. Currently, I continue receiving promotional mail about PayPal Credit Easy Payments and I still continue being approved to pay using PayPal Credit-Easy Payments Plan. Why PayPal offers false expectations? Their Computerized system is failing and the users are not responsible for that.
Consumer complaint received 2022-11-14
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. (CA)

Purchased a power trunk kit for a XXXX XXXX XXXX from XXXX XXXX. The product was defective and did not function as claimed. Specifically, the trunk release button in my car no longer functions after the XXXX Offer product was installed. Trunk release button worked perfectly before the installation of the XXXX Offer product. I contacted the merchant. The merchant requested additional information as well as a video showing the issue. I provided the merchant with all requested information including video evidence that the product did not work. Merchant refused to replace the product blaming XXXX for the problem. I advised the trunk was working fine until their product was installed. The merchant then tried to blame their certified installer and refused to provide a full exchange. The merchant only offered an exchange of a single component that did not resolve the issue. 

Accordingly, I filed a chargeback with Chase to dispute the charge as the product was defective and the merchant refused to address the issue. Chase states that because the merchant is claiming the product was received, the charge stands. The issue is not whether the product was received, but rather whether the product works as claimed. The product is clearly defective, as agreed to by the merchant 's certified installer, but the merchant is refusing to refund my money. I have now paid over {$1000.00} for an item that does not work.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian has reported several accounts on my report that are not mine also too many inquiries that I did n't authorize, Please help, these the names : Creditors : XXXX XXXX XXXX There 's XXXX accountsAd XXXX XXXX XXXX, XXXX XXXX, Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX- XXXX
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

This is a complaint in regards to Wells Fargo '' Claims Assistance Center - Credit Card Fraud Claims ''. 

Me and my wife are now going through our 3rd claim in trying to get a refund from 2 cash advances that was taking out by identity theft. 

Someone stole my wife 's wallet on XX/XX/2019 in XXXX XXXX, CA. 
This person went to two Wells Fargo branches and took out two cash advances in the amount of {$2600.00} and {$3000.00}, a total of {$5600.00}. 


The person who took out the cash advances impersonated my wife using her I.D and falsified her signature. 

Wells Fargo is not being helpful in the process of refunding these unauthorized transactions. 
Wells Fargo believes that it was my wife who made these cash advances because the ''signature matches her ID ''. 

Wells Fargo has not showed us these falsified signatures or showed us the CCTV footage where these transactions took place which was INSIDE Wells Fargo Branches. 

We are very stressed about this situation, we feel that we have done everything right by our part. 

As soon as my wife noticed the transactions by logging in on her wells fargo account, she immediately called wells fargo to close the account. This was done on XX/XX/2019, same day as the fraud took place. 

On early morning on XX/XX/2019, we went to the police to file a police report. 
We have submitted this police report TWICE to Wells Fargo XXXX Claims Assistance Center - Credit Card Fraud Claims '', but to no avail. 

Wells Fargo still believes my wife did these transactions but they won't let us look at the falsified signatures or the CCTV footage which would confirm that my wife could not have done this. 

This is causing extreme stress, we are currently awaiting our first child and we need the credit card to prepare for our child. 
Wells Fargo has shown extreme negligence in handling our claim and we need this resolved ASAP.
Consumer complaint received 2021-12-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I currently have a modification that I've had for a long time.It went up XX/XX/XXXX to $ XXXXThe reason I had a modification in the 1st place was because of the financial hardships I been dealing with since retiring and also having to file bankruptcy I had a major life depending surgery, I had filed bankruptcy in XXXX and it helped but when XX/XX/XXXX arrived and chase gave me a new mortgage of {$880.00} previous mod was {$810.00}. I perceived that along with homeowners dues, hoa insurance, utilities, household bills etc and a XXXX XXXX XXXX car im trying to maintain, expensive medications etc., I felt that if I should get another modification it would help instead of extensions all the time borrowing to pay this bill and that bill. However I called Chase Friday XX/XX/XXXX. and was told by a XXXX XXXX in the relationship department that I didnt qualify for a modification which I wasnt notified about that.So I was given a repayment plan which is for people who havent paid they are late.I never been late on my modification and the repayment plan payment is higher than my current modification.I received paperwork pg.3 of 7 1st paragraph states the repayment plan is a program that allows you to pay back the unpaid amount which I never been late.The amount is {$950.00} more than the {$820.00} my current modification it is scheduled for me to pay XXXX.I dont understand how they came to this conclusion and why would I pay more than what im paying for my current modification.It makes me wonder if they are correct in raising the current modification to the {$880.00} XX/XX/XXXX which I payed XXXX XXXXHow did they come to this conclusion it doesnt make since and no one even spoke to me about it.Why would I want something higher than what I already have.Chase said they would call me today, so far no call.This repayment plan I need an explanation how this makes sense and if they could make a mistake like this.I was told I would pay the {$950.00} a year then go back to my current mortgage of XXXX XXXX.I want them to remove this repayment plan from my account and make it make sense why I dont qualify for another modification.This is a terrible mistake im not happy and will also report this to XXXX XXXX XXXXXXXX XXXX.One of the workers via the telephone said to me excitedly congratulations you been approved, I said what is the new amount she said {$950.00}, its just not acceptable and so far No one from chase has called.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NY)

I was a victim of fraud from the equifax data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX  but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor XXXX and only have a XXXX XXXX  and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix
Consumer complaint received 2021-12-13
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: DISCOVER BANK (PA)

On XX/XX/XXXX I sent a notification to DISCOVER STUDENT LOANS certified mail ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX. DISCOVER STUDENT LOANS has now been notified of a billing error pursuant to 12 CFR 1026.13 ( e ). I have asked DISCOVER STUDENT LOANS to correct this billing error and put them on notice that I invoke my right as a consumer to withhold all past present, and disputed amounts pursuant to 12 CFR 1026.13 ( 1 ). I have also notified DISCOVER STUDENT LOANS, that they can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant to 12 CFR 1026.13 ( 3 ). 
DISCOVER STUDENT LOANS may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of the Affidavit sent to them. DISCOVER STUDENT LOANS is in violation of 18 USC 1341 and has participated in racketeering activity as defined in Title 18 USC 1961. DISCOVER STUDENT LOANS has 15 days from the date of receipt XX/XX/XXXX to provide an affidavit response with a rebuttal, point for point otherwise I am conditionally accepting their non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

Navient who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru XXXX, whom I pay a monthly membership to help with these things. The dispute has been resolved and Navient reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to Navient 's purposeful fraudulent reporting. XXXX states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that XXXX is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against Navient and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to Navient 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that Navient insists are mine. I have asked Navient repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.
Consumer complaint received 2015-06-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

I was very XXXX  in XXXX of this year ( XXXX ) as a result I did not notice right away that my mortgage payment which was setup on auto pay, was returned for non sufficient funds. When I noticed the issue I corrected it. I even spoke with the representative about the reason and made sure my XXXX pay was still in effect. On XX/XX/XXXX my auto pay was processed as normal. I was looking at my account last week ( XX/XX/XXXX ) and noticed that the XX/XX/XXXX XXXX XXXX did not come out of my account. I attempted to make the payment manually online and received a message that I was ineligible to make a payment. It took several tries to get through to customer service where I was told that because of the XXXX  charges I was no longer eligible to make any kind of electronic payment or wire transfer the funds. My only options are to pay by certified check by mail or XXXX XXXX. When I asked what the procedures was to appeal this decision I was told there is no way to appeal. I asked where in my mortgage terms and conditions or disclosures this process was documented and no one could tell me. I was not told at the time of the XXXX  that this would occur and as the next XXXX came out properly for the next payment I assumed that the issued was resolved.
Consumer complaint received 2022-11-14
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00}
Consumer complaint received 2022-11-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS DISPUTE HAS TAKEN LONGER THAN 30 DAYS!!