davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (UT)

I took out a loan to pay bills off and get things in a better position. I had been paying the loan and keeping it current. Then as Covid hit, I was unable to get paid. I am a real estate broker and I had spent the winter working in XXXX XXXX XXXX to make more money to pay off more debt. XXXX XXXX deal do not pay until the business can open. Supplies became short in XXXX and by XXXX, the government had flat out said that they were not allowed to open. 

I tried to speak with the reps that just wanted to yell at me to give them a date of when I would get paid, which I did not have due to Covid and nor did I have any idea of when I would be able to get paid. When they opened Covid help applications, I applied several times, having my applications deleted several times and then being told I was not eligible but no one would tell me why. 

SBA Loan and grants went into pending statues, then XXXX came active, but it was still really slow. As soon as I received my PPP I called immediately to put the account current and they had decided to charge off the account that day & refused to work out a settlement with me. By the end of the day of arguing with them to work out a plan, a rep had me set up an auto draft of payments for {$250.00} dollars a month while a settlement could get worked out. This was in XXXX. 

During that time, they failed to report I was in a payment arrangement and making payments, instead, continued to report negative on my credit. 

I have made many attempts to settle this account in exchange for them correcting the damages to my credit from Covid19 since they offer Covid help to other members. They have refused to give me their Covid requirements or tell me why I was not eligible for Covid assistance.

My most recent 3 attempts were onXX/XX/2020 - 2 via phone calls & 1 via email. I offered yesterday to pay the entire account in full in exchange for my credit to be corrected or the account to be straight removed due to their lack of Covid assistance, refusal to give me copies of the contract and refusal to give me copies of the XXXX assistance requirements & for mis-reporting to my credit from XXXX to current.
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2017-12-17
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. (SC)

I have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX, I opened up a checking and savings account at Wells Fargo. I also got a secured credit card of {$500.00}. The Wells Fargo representative told me that he was trying to help me build my credit score and if I paid on time my account will be reviewed every XXXX months and my balance would be increased. They never reported my payments over a five-year period and which according to Wells Fargo I was late three times by XXXX hours over a 5 years period. I repeatedly requested assistance and answers as to why I was not having my limit increased as I met all the requirements that was presented to me by the representative with no resolve. I finally closed the account XX/XX/XXXX. The representative and Wells Fargo simply lied and did nothing but take my money little by little with unjustified fees. They literally just took advantage of me at a time I was trying to better my life.
Consumer complaint received 2020-10-21
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: BARCLAYS BANK DELAWARE (FL)

I put in a dispute to BarclayCard and was denied. I sent a letter to the fraud dept with all the documents supporting my claim. They denied my claim due to it was passed the 60 days of purchase. We did purchase in advance but since this was a vacation we did not know fraud had taken place until be traveled on XX/XX/XXXX. Immediately once we returned we send a letter to Barcaly explaining the fraud with all the document supporting our claim. I put in a dispute for the full amount of {$1600.00}. 


I charged a vacation through a travel agency XXXX/XXXX on XX/XX/XXXX for XX/XX/XXXX XXXX, XXXX. {$1600.00} was the cost for 4 nights hotel only. Before arrival in XXXX, I called the resort several times directly and they confirmed they had my reservation. I also confirmed my reservation on XXXX website and it showed my reservation was active and paid in full. However, we flew to XXXX on XX/XX/XXXX and upon arrival at the resort to check-in, they informed us that XXXX XXXX canceled our reservation on XX/XX/XXXX. We never contacted XXXX XXXX to cancel ( nor did they refund our payment ). We had just traveled from the US to XXXX for 12 hours and since the resort was not paid by XXXXXXXX XXXX we were forced to pay a 2nd charge directly through the resort for the exact same reservation from XXXX/XXXX XXXX.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (IL)

I just spoke with Ally Bank about fees for more than six transfers from my savings account. I understand the Federal Reserve Board suspended Regulation D due to the pandemic. However, Ally bank informed me by telephone that on XX/XX/XXXX, they resumed imposing fees for excessive transfers and provided no justification for this.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (FL)

There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.
Consumer complaint received 2020-10-21
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. (TX)

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
Consumer complaint received 2020-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

Me and my spouse acquired this property of my dead uncle about 8 months after he passed.wemoved in around late XXXX cleaned up had utility on in my name and started fixing up the places little after two months we started getting notes on the door stating we're not supposed to be there. I also had please in my name so afterwards we were getting harrassed by people coming to the door posting notices. Notices we responded to pretaing on how to fix his my uncle 's mortgage. He was not that much behind hed passed so Bill 's started to pill.Meanwhile I had to start going to court and after a while of going to court with affidavits declarations and documents pertaing my stay we still got kicked out. They arrested me on probable cause I was in for a month when I get out all my belongings everything I ever owned even my registered dog was gone disposed. I had still leaves in the house and all my property was still in there there was no certified documented thru courtsnotice or nothing informing me of a kickout or throwing my belongings away pursuant to NRS.  Meanwhile the case is still open. They say XXXX XXXX XXXX was the trustee while along I'm having civilian who say she worked for XXXX XXXX  ( XXXX ) come to my house call police and I literally watch them when I got kicked out start cutting wood and board up my place along with them take several of my work tools money and property. My house was also my home business registered with the state of Nevada. Companies involved Innovative real estate strategies XXXX XXXXXXXX XXXX XXXX  dba XXXXXXXX XXXX  not individually but trustee for XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Consumer complaint received 2020-10-21
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: BARCLAYS BANK DELAWARE (NJ)

i never received an item from XXXX  they refunded my card nad now the charge shows again i emailed XXXX they say they refunded money end fo XXXX yet XXXX shows up on my upromise card i emailed 10 times i get scripts no help and its till there i will not be using either barclays card for some time due to poor service refund XXXX as to XXXX XXXX XXXX, i want XXXX back from steemer for poor service not delivering on what i asked they said they would BEFORE i agreed to purchase which is a form of deception since neither are done i am unable to use both cards. I resent them email from XXXX as to XXXX on upromise still no refund. help
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MN)

Good Morning, I fell victim to a payday loan scam through : Bright Lending, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MT XXXX. XXXX, XXXX XXXX XX/XX/2020 I was borrowed {$800.00}. I didn't realize what I had agreed to until after the loan was approved and I was given the payment schedule. I am now to pay, in 22 installments of {$200.00} each paycheck, {$4400.00}. That is a 699.9856 % interest rate. I've just learned that the maximum amount APR in the state of Minnesota is 390 %. I don't understand how any of this is legal to begin with. {$400.00} per month over the next year may very well bankrupt me. Thank you for any help you may provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

I disputed fraud charges on my account for charges amounting to whole balance of the account and Chase denied my claim for some saying they were done on the applepay and same phone as chase app use to access the account, I let them know that my chase account was comprised including the login information. With the other transaction they denied it saying the chip on the card was used and that there were other charges that came in after that I did not report as fraud, this is another issue because I reported the entire transactions totaling to the balance of the account including those their saying I did not dispute as fraud. So the issue here is that Chase does not want to do it's job and really investigate my claim, as they even say in the letter they sent me, they completed this in two days and they never sent me any paperwork to sign and return back for the fraud claim so Chase didn't really do any investigation or any interest in getting the funds back from the merchants. They were also interested in holding me responsible for this and not really work on it, I have enough to file a lawsuit and will if they continue to do this behavior.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I reported my Lowe 's Advantage card lost and the account was closed on XX/XX/2017. No purchases was made on the card, as it was never activated. A new card was issued on XX/XX/2017. The closed account is being reported on my credit report by the credit reporting agencies. I contact XXXX XXXX asking them to remove the closed account from my credit report, as I never authorized such by contract or otherwise. A representative informed me that they would contact the agencies to removed the information from my report. I received a letter from XXXX XXXX that the account may stay on the Credit Bureau for 2 years. Without Prejudice
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX for XXXX store credit card. 
I had an opened account as described above. I did not use the card. There was a bill for {$9.00} that I do not believe came from me. I was never sent a bill. The account was updated to my new address and they never sent a bill via the mail or email. I found out about the issue after a phone call from some computer talking machine that mentioned XXXX. I could not ask the machine any questions. I did not know what this was about. I researched and found they reported me as being 30 days late to XXXX and XXXX. I am naturally reluctant to pay a bill until found out more details. I called XXXX XXXX and the person spoke in broken english. So I wrote a dispute letter and faxed it to the number given by XXXX XXXX. I new time was important. XXXX closed my account the day after I faxed my dispute. I believe it is illegal to take collection action after the account has been disputed. This is very suspicious on their part. 
They do n't me a bill. There is questionable charge for {$9.00} on my account. They charged me a late fee plus interest and want to collect {$32.00} for a {$9.00} product I never received. I have called them and they speak with broken english. I am happy to pay a bill that I actually owe after I receive it in the mail and have an opportunity to review the charges. I am even more upset that they have the power to place derogatory information on my Credit Report. I believe the law clearly states that no collection activity can take place until the dispute is resolved. 
That means the cant take any negative action on my account and must remove the information reported to XXXX XXXX and XXXX. They also can not close my account which they did after they received the dispute via fax. Please help hold these people accountable for their violation of my rights and the laws that are there to protect the consumer. If they do this to me, just think how many people have been violated by these people.
Consumer complaint received 2021-06-09
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. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affid
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Since around XXXX/XXXX  right after I got notified that my Citibank Secured Card was completely comprised. I sent them a XXXX deposit and tried to rectify the problem back around that time. To no avail they have a zero  Fraudulent liability and refused to honor their contract. I called several times trying to resolve this problem but I would get a customer service experience from another country and they said nothing could be done. I called twice then Covid hit and I had to take care of my family so Citi Card was on the back burner until I recently received a collection notice from them I called them back and requested they file a fraudulent dispute and they did so according to the representative I spoke with today they issued a new card and its the account is in the security operations department. The reason for this complaint is just to keep Citibank accountable for their actions and not throw me aside because I happen to have a secured card. So far everything is working according to plan regarding the disputing process as per Citibank. But as of today there still is a balance of {$490.00} remaining that needs to be credited to the account Reflecting a XXXX  balance and {$600.00} available credit. Today I received a XX/XX/2020 response to your request for COVID-19 assistance which I never asked war and the letter happened to deny me for assistance the only thing I wan na receive from Citi Card is A : check for {$600.00}, B : A brand new Citi Card credit card reflecting XXXX balance and {$600.00} available credit. This process should have been resolved months ago but because of poor educated bankers at city Bank unfortunatelyThe matter never got resolved but I believe Citi Card is going to do the right thing and resolve the XXXX crediting my account reflecting a XXXX  balance with a {$600.00} available credit for purchase. We are in the mist of a pandemic this is not the time for the banking system to toy around with their clients finances whether its XXXX or {$6000.00}. Fortunately enough for me I believe finally my account is in the right hands but lets wait and see.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IL)

3 times Ive sent debt validation letters to IC Systems. Every time they send a response they say that they can not find me in their files bc I have not submitted any information they need to look me up. My name and address are always included and they can not locate me in their system with either or. But they are reporting this allege collections on XXXX   & XXXX.

I then sent a dispute letter to XXXX  & XXXX  and both investigations have came back verified. Ive then sent the credit bureaus another letter asking how the account was verified if IC Systems can not locate me in their system, only to receive another verified investigation result without proof of their verification process.

This account needs to be removed immediately since they can not send me debt validation bc they can not find me in their systems.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Early this year SETERUS changed their payment coupon making it impossible to allocate funds in excess of the normal monthly payment ie ; the ability to direct the funds to the monthly payment and the excess to the principal. I normally pay in excess of the monthly payment and since the coupon change SETERUS has misapproprited my funds, ,assessed late payments and wasted hours with me on the phone addressing these issues on nearly a monthly basis since the first of the year. 
My most recent payment was in the form of XXXX checks, XXXX for the monthly payment and XXXX for the principal. SETERUS is now holding the entire amount in suspense ( unapplied ).
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.