davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I opened the account with Chase in XX/XX/2019. I didn't get charge monthly fee initially so I just put direct deposit into the account for saving and paid no attention to this account afterward. However, this week I notice that I have been charged $ XXXX monthly fee every since XX/XX/2019. Up till today, I have been charge {$320.00} in total ( Technically {$350.00}, when I called them today, they reimbursed me {$25.00} for this month and said that's how far the system could go back. And I know it was not true. They should be able to see all the record just as I can see ). 

As a customer, I wasn't given the right disclosure on how the monthly fee would be charged ( I thought the requirement would be direct deposit just as a lot of other bank debit cards. And I wasn't charged fee in the first few months when I did that ).
Consumer complaint received 2020-12-05
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. (MA)

On XX/XX/2020, I received documentation approving an extension on the deferment I had for my mortgage. My mortgage is with XXXX XXXX XXXXand I had applied for the deferment as I am a landlord and I wanted to give my tenants some flexibility in paying their rent since they were having problems with employment related to COVID. Though the approval was through XX/XX/2020, XXXX XXXX XXXX incorrectly reported me as delinquent on my mortgage for XX/XX/2020. XXXX  and XXXX  have fixed the inaccurate information but despite attempts from XXXX XXXX XXXX to correct this issue, Equifax has yet to remove the inaccurate delinquency from my Equifax report. I will provide documentation from XXXX XXXX XXXX showing the approved deferment along with correspondence I have had with XXXX XXXX XXXX.
Consumer complaint received 2020-09-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in Equifax and XXXX  responded and still did not remove the items however XXXX  did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MN)

Did you certified to the bureaus that the account XXXX was reporting accurately before XX/XX/20? XXXX or no? Because you reported false information to the bureaus about me and therefore you must delete account XXXX I supplied you factual information and proved you wrong therefore you will have to remove this account from all bureaus you will not go in and add information that was provided to you. Due to the fact thats what you guys do dont verify anything so no you will remove this account immediately no ands buts.
Consumer complaint received 2020-12-05
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. (LA)

My Mortgage Account with XXXX XXXX act # XXXX was paid in full XX/XX/2020. Upon checking my Equifax, XXXX  and XXXX credit reports XXXX XXXX last reported to the credit depositories was in XXXX still showing a balance. 

XXXX XXXX has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact XXXX XXXX to report my mortgage Paid in Full to all 3 credit bureaus.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I have a Coinebase account. I have been unable to access my account after loggin in with my valid Username and Password. When I put in my 2-factor, 6-digit authenticator number, it keeps saying " Invalid number ''. Therefore, I can not get into my account. 

I have tried repeatedly to contact the company without success. When I call their number, I get a voice recording that directs me to their Help Page. When I go to the Help Page, it is very confusing, technical and basically useless. 

I leave messages asking for help but no one contacts me. 

I have about {$30000.00} in my account and I CAN NOT GET TO IT. I just want to get my money out and be done with this company but I can not get a person to help me either in a chat group or on the phone or by email. It's like a ghost company. There is no way to reach them. 

Please help. Thank you.
Consumer complaint received 2020-12-05
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. (FL)

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2020-12-05
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. (FL)

I have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX Please investigate and delete asap.
Consumer complaint received 2020-09-17
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. (NJ)

I know the company will not doing anything about my complaint and they won't budge, much like with the other disputes I have filed a complaint about, and where I actually had proof of my claim ... Just filing the complaint so that I can show the credit bureaus and whatever debt collection agency the company sends after me that I have a complaint on file ... 

Company is denied my dispute against a charge from XXXX for {$190.00} from XX/XX/20 stating that I need to show proof of my return. However I told them back when I first filed the dispute that the merchant refused the return ... How can I show proof of a return when there was no return?? IDIOTS ... 

They also rebilled my account for another charge I had disputed against the same merchant from XX/XX/XXXX for {$100.00}, for the same type of incident ... Please know that due to the pandemic, most stores were very and in some cases are still, strict regarding certain things being returned.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (PA)

XXXX XXXX  has violated my federally protected consumer rights under the FCRA by committing following action under Truth in Lending Act : 15 UDC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) XXXX  XXXX  has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )
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: GOLDMAN SACHS BANK USA (NJ)

Saw an ad for the Apple Card  from Goldman Sachs. Advertising is incredibly deceptive regarding impact to credit bureau ( ie hard inquiry ). Nuanced footnote between the notion of applying ( as in filling out the application ) versus accepting the card. I have images I can send.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2020 I received a letter from Transworld System Inc about a medical bill stating they received a inquiry from me for debt validation. Unfortunately the company listed a medical account and they stated in the response letter while we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of alleged inaccuracy.

The second account I have is from reliant energy which I also have no validation from the company from.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I was not alerted that they closed my account. I was told that it was because of my " creditworthiness ''. I owed this company no money. My account was at {$0.00} and was owed {$100.00} credit. I believe my account was closed because I was not making the company any money. Additionally, when I asked that the service member provide their full name they refused because of " security '' purposes.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Consumer complaint received 2020-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX.
Consumer complaint received 2020-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

Contacted Wells Fargo back 2018 about settling this account. Was told the account was to old it was in the best interest of the bank just to close the account without any payment. Now the account shows as settled for less or charge off. I Was rejected for a new loan due to this fact. In good faith please remove this from my credit reports.
Consumer complaint received 2020-09-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am writing due to non-compliance with Equifax. A charged off closed XXXX XXXX account was re-aged and updated with late payments on closed accounts. 

They have failed to remove derogatory late payments posted in XX/XX/XXXX, that can not be added to a closed account that was closed and charged off in XXXX. Several disputes and they never change anything, but say they did. They send identical credit reports with no changes whatsoever. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

XXXX XXXX XXXX XXXX Accounts : XXXX XXXX
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I submitted a request to Chase to closing my Total Checking account. My account was in good standing, with a positive balance. 

On XX/XX/XXXX, Chase responded and refused to close my account, and required onerous restrictions to close it -- while keeping it in a state that would accrue fees ; they even suggested that it would not be possible to close my account except by physically visiting a branch in the middle of a pandemic, while we're legally required to shelter in place. 

On XX/XX/XXXX, I responded again with a signed request and affirmation to close my account. They ignored my request and repeated the same form letter.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (AZ)

I can not add an external account to my mobile wallet and I dont understand why? I have money in the account and I would like to use it and its saying that pnc is blocking me from adding external accounts
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Apex (WI)

I have been called about repayment of my student loan from a different service to find out it must be a scam. The first number I programmed in the phone is no longer in service. I had gotten a text today saying my payment is due in 2 days. The number that they gave today is XXXX XXXX XXXX. The text also tells me that it is student Apex. What is the best way to stop there payments?
Consumer complaint received 2020-12-05
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account.
Consumer complaint received 2020-07-23
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. (DC)

XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Consumer complaint received 2020-07-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Theres an apartment community showing as a collection on my credit report with Equifax by the name of XXXX XXXX and creditor by the name of XXXX XXXX which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my XXXX  report which I have disputed ... I have never lived at any of these apartments ...
Consumer complaint received 2021-11-28
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. (MA)

I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from EQUIFAX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

i wrote, called and worked with representatives regarding my loan modification with XXXX  that i did not receive my modification in XX/XX/XXXX after paying three trial payments XXXX, XXXX, XX/XX/XXXX ) all documented to XXXX and Nationstar. 
Still looking for resolution all these years and correspondences, Mr. Cooper responded with their letter to me dated XX/XX/XXXX. 
CASE NUMBER : XXXX the letter details that I withdrew my modification in XXXX of XXXX and thats why my modification was denied. I HAVE DETAILED RECORDS OF IMPLORING those reps i was dealing with or on phone with to get me the modification. that i was waiting for it after my payments were directly taken by XXXX. in this correspondence of XX/XX/XXXX they included a letter from XXXX - stating that I withdrew my modification! I was calling looking for my modification IN XXXX and XXXX and again in XXXX -- -where was this letter then? 

ALSO IN this correspondence is the Nationstar mtg letter to me stating they are taking over my mtg and that they are charging me $ XXXX in interest {$900.00} in fees and $ XXXX in escrow advances. 
NONE OF WHICH I WOULD OWE IF MY LOAN WAS MODIFIED AS I WAS TOLD IT WAS BEING MODIFIED BY BOA IN XX/XX/XXXX. 
I WAS FIVE PAYMENTS BEHIND AS OF XX/XX/XXXX, WHEN I MADE MY FIRST TRIAL PAYMENT XX/XX/XXXX, XXXX XX/XX/XXXX AND XXXX XX/XX/XXXX TO XXXX. 
FIVE PAYMENTS OWED AS OF XX/XX/XXXX. 
MY REAL ESTATE TAXES WERE ON TRACK BECAUSE I PAID THEM UNTIL ENTERING INTO THE MODIFICATION! 
TAXES WERE UP TO DATE THRU XX/XX/XXXX! 
I NEED MR COOPERS OFFICE OF THE PRESIDENT AND CEO TO CONTACT ME DIRECTLY TO GO OVER THIS LOAN. IT TOOK NATIONSTAR THREE YEARS TO APPROVE A LOAN I WAS ALREADY APPROVED FOR MOD AND DONE XX/XX/XXXX. FIVE PAYMENTS BECAME 50 AS indicated in the letter. mr cooper also sent me the details of the payments they received, charges, WHAT INTEREST WAS I CHARGED? i see from the onset XX/XX/XXXX $ XXXX plus fees. NATIONSTAR would NOT ALLOW ME TO CONTINUE TO MAKE PAYMENTS ... THEY SAID I HAD NO LOAN. IT WAS A BAD LOAN AND I WASNT GETTING APPROVED! 

i should not be charged for the three years NATIONSTAR took to offer me a modification i was up to date on my real estate taxes thru XX/XX/XXXX. 
XXXX transferred my loan to NATIONSTAR and NATIONSTAR ignored my pleas for three years, adding to EMOTIONAL, PHYSICALLY DEBILITATING AND FINANCIAL STRESS. 
MY CREDIT WAS RUINED. I would like to talk to someone about removing the missed payments from my credit, i paid every month other than the five missed and would have continued to pay and asked continually for someone to take my payment, i have it documented! The bank took over my r/e tax payments when i did the modification, no longer allowing me to pay for those, i should only be charged for the taxes and house insurance payments the bank made, pls help. XXXX
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (NC)

Payoff.com fraudulently and maliciously told me I was fully approved for a {$25000.00} loan that they advertised and offered to me. They had already verified the truthfulness and veracity of my credit report, my bank account, and my employment/income. They only illegally denied me, and in the process irreparably damaged my credit through no fault of my own, because I was shopping around for loans ( they never told me not to shop around for loan rates - even though such a request would be illegal ). Payoff.com is a crimInal racket run by scam artists on unsuspecting consumers and they need to be shut down.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.
Consumer complaint received 2020-05-05
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. (NY)

On XX/XX/2020 I sent XXXX, XXXX, and Equifax FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.