davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

I had ordered a replacement debit/atm card for my savings account but never received it so I went into a branch to order XXXX because I was told when I visited the bank in XXXX of 2015 that it was never ordered. I was then told that the temporary card would be destroyed & I asked if I could take some money out XXXX & was told sure. I went to the atm & it said XXXX balance I was like how is that & told the banker I was talking to, she pulled up the transactions deposit on XXXX then a {$100.00} withdrawal on the same day of the deposit & then another XXXX transaction XXXX but the XXXX is the day I went to the bank & realized the unauthorized withdrawals. The banker reported the issue & I was given a temporary credit for the unauthorized withdrawals. Today XXXX I received a secure message saying that the credit is being reversed. How is that when I did n't make the withdrawals plus it was done from the Chase branch atm location that I made the deposit so I need to see the proof they claim to have to reverse my credit. I had absolutely no reason to take {$200.00} from my account when I had just deposited it & had also took out {$300.00} from another account to have money on hand & still had over {$300.00} in that account when taking the {$200.00} from the {$300.00} I withdrew to put in my Chase savings account! I had over a {$1000.00} deposited into my checking account with another bank on the XXXX, took out {$300.00} to make the {$200.00} deposit into my savings on the XXXX & days later still had over {$300.00} in my other account with more than {$900.00} being direct deposited into my other account on the XXXX of XXXX! I had absolutely no reason to touch my savings account especially after making the deposit & keeping a {$100.00} of the {$300.00} I withdrew & certainly not on the same day of the deposit! This was fraud due to skimming & Chase needs to find out who did this to me & stop trying to blame me for something I clearly did not do!
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Hello, I made an international XXXX transfer from a non-sanctioned XXXX XXXX to a XXXX XXXX. Amount XXXX USD, Value date XXXX. The recipient of the money was an XXXX XXXX CITIBANK N.A. ( XXXX ). The transfer was rejected by the beneficiary bank on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BOK FINANCIAL CORP (TX)

I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.
Consumer complaint received 2015-07-29
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC (MN)

I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept.
Consumer complaint received 2022-02-23
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to XXXX, XXXX and Equifax. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (NY)

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Srction 604 A, section 2 it also staes a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.
Consumer complaint received 2022-11-21
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 checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed
Consumer complaint received 2022-11-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-07-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (MD)

We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with Chase Bank. I am paying off the balance I have accumulated and can not change the amount of my monthly Automatic Payments. Neither the XXXX customer service representatives, nor the Online Banking, allows me to adjust my monthly payment. I am locked in at a low-level payment called a " Blueprint Payment '' that does not allow me to choose my payment amount. Instead, their computer chooses my amount. I think it is this way so that the company can make more money on interest payments against my balance. As far as I 'm concerned this practice is fraud, plain and simple.
Consumer complaint received 2022-11-21
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: CITIBANK, N.A. (WA)

The company constantly close my cases XXXX without giving me any legitimate reason. The company close the dispute case claiming that I did not upload supporting document. But I did upload everything they requested and the bank portable confirmed the receipt of my uploaded documents
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services
Consumer complaint received 2020-01-15
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. (FL)

XXXX XXXX XXXX HAS ADDED A 30-DAY LATE CHARGE TO MY ACCOUNT. ORIGINALLY, XXXX XXXX XXXX SWITCH COMPUTER SYSTEMS WHICH CHANGED MY USERNAME AND WOULD NOT ALLOW ME TO LOGIN. I TRIED TO  RESOLVE THIS, HOWEVER I HAD NO SUCCESS WITH THEIR AUTOMATED SYSTEM AS THEY SAID MY ACCOUNT COULD NOT BE RECOGNIZED. 

I CALLED IN AND MADE A PAYMENT ON THEIR AUTOMATED SYSTEM. HOWEVER, ONE WEEK LATER THE MONEY DID NOT CLEAR MY ACCOUNT AND I WAS TOLD THAT THEY NEVER RECEIVED A PAYMENT, DESPITE THE FACT THAT I DID. I HAD TO MAKE THE PAYMENT A SECOND TIME. 

I HAVE NEVER MISSED A CAR PAYMENT AND THEIR ERROR HAS CAUSED A SIGNIFICANT DECREASE IN MY CREDIT SCORE. I REQUEST THIS 30-DAY BE REMOVED IMMEDIATELY AS IT WAS THEIR ERROR.
Consumer complaint received 2015-04-02
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Solidus Group LLC. (WI)

I 'm assuming this is for a payday loan based on internet searches of the number. They continually call me at work though I 've not taken a loan. They say I 'm going to be served at work or home. Sometimes they call from an XXXX number or XXXX. Other times it 's a private or incoming number.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

A company put XXXX separate charges on my credit card that were not authorized. Each charge was for {$1200.00}. The total amount of incorrect charges is {$3600.00} ( XXXX x {$1200.00} = {$3600.00} ). I contacted the company about the charges. The company 's salesperson admitted his mistake for each of the XXXX charges, and promised to issue me a credit. However, he only credit my account for one of the {$1200.00} charges. I contacted my credit card company to dispute the remaining XXXX charges, but I have not received a satisfactory resolution from them. At every step, my credit card company has misunderstood the basic facts of my dispute, and they seem incapable of bringing this dispute to a correct resolution. I need to be credited for each one of the XXXX charges of {$1200.00}. The total amount of credit issued to my Credit Card needs to be {$3600.00} to correctly remedy this issue. Please help me.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MO)

I was told by my credit card company that I should not make payments ten days before the due date. I make my payments a day or two after the closing statement date in order to avoid interest charges. Beginning in XXXX 2015 Home Depot started charging me late fees saying I was paying too early. I was told the statement closes on the XXXX of every month and I pay after that date. Whatever payment I make should go towards the statement after that date so long as it is paid after that statement closes. Their argument is a minimum payment amount has not been generated therefore the payment is not required to go towards the current statement. That have punished me for paying early so they can get more interest out of me and on top of that started charging me late fees. I plan on taking legal action as this company is operating in bad faith.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

i had scheduled a payment for my card but 5 days before scheduled payment called and told them i will be making the min payment only and not to process my check they still did twice costing XXXX in over draft fees i called they took my complain and said they will give me answer by XXXX XXXX they never did i called back XXXX XXXX they said they still have n't processed my complain and that they dont think i should be reimbursed the fees
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

i bank at chase bank, on XXXX a transaction was debited to my acct in the amt of XXXX the debit still showed pending on XXXX @ XXXX. chase bank posted the debit, plus charged me a XXXX overdraft fee. my payroll came into my acct at XXXX. this is not the 1st time I 've had this problem with chase bank. they had to reverse some fees in 2015 when they did my acct like this. they post pymts and will back date the date that it posted so they can charge an overdraft fee. this is going to cause my acct to be in the negative once my other bills come into my acct.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (WI)

Citi Mortgage is our mortgage co. In XXXX we did a re-fi with Citi mortgage and on taxes Citi did a Debt Discharge of {$13000.00} in each of our names. For the taxes of years XXXX and XXXX Citi Mortgage continues to do the same in amount and to each of us separately in our each name. Continuing the Debt Discharge was NOT part of the re-fi and yet is being done.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NY)

I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me.
Consumer complaint received 2022-02-23
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX  ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

On ( XXXX ) : XXXX XXXX I transferred some XXXX from XXXX to Coinbase. XXXX is usually and instant transfer. But I still have not received it. I contacted Coinbase through their online chat/email/ and phone and no one would help me or tell me why they were withholding my funds. Only that they will get back to me in 2 weeks. I asked many times why this was happening but was completely ignored. 

Support ticket number : Case # XXXX
Consumer complaint received 2022-02-23
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. (PA)

On XXXX XXXX I received notification that XXXX XXXX XXXX XXXX  XXXX  XXXX placed a debt on my credit account for the amount of {$530.00}. I reached out to both my insurance provider and the credit reporting agencys to notify them that this was invalid because my insurance was active at the time. They said they would confirm with the XXXX, the Insurance company reached out and said they sent over documentation that this was false information. It has now been well over 3 months and this is still placed on my credit. 

I never authorized for this to be placed on my credit report.