davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I deposited a check endorsed by some one else to me into my bank account as for a payment of debt owed to me. The check is for XXXX XXXX XXXX XXXX and XXXX dollars. It was a atm deposit at a local chase bank branch. The bank placed a hold on the check as well as my account and was notified by email that my account is subject to close if information requested is not obtained soon. I went to a local branch with a notarized letter signed and stamped and dated. The the check was endorsed the correct way. A fraud representative told me to bring the notarized letter and my I.D . and my deposit processing will be completed. I was then later discriminated against when told on XX/XX/2021 my deposit has cleared but my account is still restricted. Then I demanded that chase close my account right then and there. Then a chase fraud representative told me that I cant close my account when its restricted. Then they they tild me in order to get a check from the bank with my remaining balance I need to bring in the person who endorsed the check to me. I read in there check deposit policy that no I dont.
Consumer complaint received 2018-06-15
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. (GA)

XXXX and Equifax refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...
Consumer complaint received 2020-08-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

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/XXXX 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.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, XXXX XXXX, and Equifax. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on Equifax but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,
Consumer complaint received 2022-11-30
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. (OH)

My action was that i order a item on XX/XX/2022 and i cancelled the order and the seller said i would receive a refund in 4 days i never got the item or received and i opened a dispute and they credited my card XXXX and then costco citi card did investigation and they took the money back- i never received the product or my credit
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (AL)

I saw a car I liked and knowing my rights to credit, I decided to start attempt to initiate a consumer credit transaction using my SSN with Chase. Its a credit card as defined by congress.It was used and I sure didn't get anything positive from it.I received an adverse action letter dated XX/XX/2021, from JPMorgan Chase as well. How can they claim to extend credit, if I started everything ( by wanting a car ), and made them a creditor? 

It is also my right as a natural person to credit. So in that aspect what laws say that I can be denied my own right? Banks can only borrow money. So if the original creditors are natural people, the only way another can become one is to get it extended to them. In the letter for denial from Chase it was stated they couldn't find a credit score, that i didn't have the income, or credit accounts. Income is for a business. What laws say that I can be denied anything based on the false things consumer reporting agencies may or may not say? What am I supposed to do to initiate a consumer credit transaction, using my CREDIT CARD, that I am missing? As I am aware i was only supposed to pay the finance charges that would arise. What says otherwise? 
My credit card was used. I didn't get anything. My right was denied ; my right being credit. and the RIGHT to defer the alleged debt, as defined by congress.
Consumer complaint received 2020-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WY)

Between XX/XX/XXXX-XX/XX/XXXX I attempted to submit XXXX  loan forgiveness application to Navient student loans, 6-8 times. Each time, customer service said the application was denied due to an error on the application. I attempted to correct several paper errors, fixing simple corrections. Navient claimed I did not fill out paperwork properly, however, each time directions to correct the errors was different and my paperwork was continuously deleted each time. I do not believe Navient kept adequate documentation on my progress to complete the application. I met all of the requirements according to the loan. I have documentation from XXXX  ; my certified XXXX  XXXX  XXXX  XXXX XX/XX/XXXX; an employment verification with XXXX  from XX/XX/XXXX-XX/XX/XXXX ; and proof of working at a XXXX XXXX XXXX I believe Navient is refusing to accept my application even though I have met all of the  requirements to qualify for the XXXX  Loan forgiveness program. I believe to the best of my knowledge I qualify for the maximum amount to be forgiven, {$17000.00} and Navient is refusing to honor this application based on dishonest and/or unethical reasons.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Consumer complaint received 2018-02-20
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: DISCOVER BANK (FL)

payments were missed and put on credit report. 

every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Balance being charged for purchases instead of payment method selected by customer. 
When using PayPal checkout to make a purchase with a 3rd party XXXX XXXX XXXX XXXX XXXX, I was presented with a screen asking me how I would like to pay. I selected my Credit Card on file with PayPal. However, upon further inspection I found that PayPal charged my PP balance without my consent instead of charging my credit card. 

Funds from my PayPal balance were withdrawn without my consent and used to pay for a transaction that I had chosen to put on a Credit Card. 

I filed a complaint also with the XXXX, and PayPal replied, expressly verifying my claim and stating that they did nothing wrong and will not change their behavior.
Consumer complaint received 2020-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (DE)

Ive had several accounts with PNC I cant Believe how I was treated they didnt even consider that I have paid off loans before with them I have never had a delinquent account everything is paid in full on time They would not even let me speak to the underwriter manager that made that decision they never asked for any information just denied me knowing that Ive had mini loans with them. I feel like I was discriminated against PNC should always treat their customers with some sort of respect and decency
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NC)

I XXXX my account and closed it, but the bank charged a service charge and an overdraft fee on the service charge not notifying me of either charge, so this is a continuation of your case # XXXX
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank hit my account with a " removing CTC Chase 21 Day Overdraft Assistance from XXXX '' fee iao : {$110.00} today. This has now overdrawn my account. 
On XX/XX/XXXX, the government deposited a {$250.00} child tax credit, they CLAIM this " FEE '' was a " draw '' given to me to cover the " insufficient funds fees '' - THEY WRONGLY charged me during those dates. I had called and complained and they REVERSED THOSE FUNDS. NO ONE told me about ANY {$110.00} CREDIT or ANY kind of 21 day policy of taking this CREDIT BACK that I didn't ASK FOR. I asked for my OVERDRAFT FEES to be reversed because I had transferred money from my other account and shouldn't have been charged overdraft fees to begin with!!!! 

I spoke to a " manager '' today and asked to speak to her " manager '' and was put on hold and then hung up on.
Consumer complaint received 2021-10-04
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. (PA)

XXXX XXXX XXXX  has continued to report invalid information. Multiple disputes have yet to resolve the issue and no validation from XXXX XXXX or the credit bureaus have been received by me. 
First issue is that they were reporting a charged off account as open. Then they were reporting it charged off, every single month, for almost a year, so that it kept updating the date of last activity. 
Second issue is that I paid it off ( {$1700.00} ), in full, and they are not reporting it as such, so my utilization is showing at 254 % Third issue is that the account was never even mine to begin with. I have an FTC identity theft report and neither XXXX XXXX nor the credit bureaus took it seriously. The ONLY reason I paid something I didn't owe was because my mortgage lender advised me to just pay it and get it over with and fight it after the mortgage closed. 
This should be removed from all of my reports. There are multiple issues that have directly impacting my ability to gain new credit. I have attempted to work with XXXX XXXX and unfortunately keep getting sent to a woman who took it very personally that I dispute anything and told me she would never consent to removing anything from my report because I filed a complaint against them. She is leveraging my credit against me as retribution for filing a complaint. 
I would like this tradeline permanently removed from my credit reports.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (GA)

Cheekr performed a credit check on me when I Applied for XXXX driver XX/XX/2021. 
As of XX/XX/2021 my DRIVER RECORDED was revised and case dismissed Despite reaching out to Checkr about updating my Motor Vehicle Repoirt tye information is still in correct causing XXXX to not hire me
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Around XX/XX/2020, I called Banana Republic Card Services for payment relief due to extraordinary circumstances due to COVID. 

They agreed to give me 3 months of {$0.00} payment due and kindly refunded me any interest charged on the account. 

I was told that I don't have to pay any interest due to COVID pandemic relief. 

Today XX/XX/20 I received a notification from my credit bureau that my banana republic visa card is over-limit and that my account is overdrawn and negative $ XXXX and my FICO score has dropped by 10 points due to this. 

How? 
I never logged in into my account because I receive email notifications, and they always said {$0.00} payment due. 

Apparently, even though they told me that I don't have to make a payment, they were still counting interest and compounding it. 

Now my account is overdue and I have derogatory remarks on my credit file on all three credit bureaus. 

I called Synchrony Bank to dispute this issue and they informed me that the interest waived was only a one time thing, even though I was told otherwise.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MI)

Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : https : XXXX
Consumer complaint received 2020-05-11
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)

On XX/XX/2020, I sent a certified letter to Equifax asking them to close the open dispute as well as delete all notes regarding the open dispute with XXXX XXXX XXXX since I was able to get a settlement agreement with them. I sent another letter to them overnight via USPS on XX/XX/2020 and again on XX/XX/2020 via fax communication from XXXX XXXX. I have receipts and signed certified card with date stamp. I called this morning once again and asked for a manager then was immediately transfered to an automated line. I called a few more times and reach an individual from what sounds like XXXX. He said they do not have my mail that they signed for on XX/XX/2020. Nor did he have the mail I sent over night via usps. I desperately need this dispute closed. I can not close on my first home until this is taken care of. I've even sent them proof of the settlement with the creditor. I need urgent help please!!
Consumer complaint received 2019-10-22
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. (TX)

I received an email that my information had been breached with Equifax XX/XX/2019. I clicked on the link in the email that was provided : https : //eligibility.equifaxbreachsettlement.com/en/eligibility to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. Equifax confirmed that during the data breach my personal information was exposed.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Navient Solutions, LLC. (NY)

I took out a student loan with Navient. There are two issues. 

One issue is that Navient charges high interest rates. 

The second and most pressing issue is that I contacted Navient in order for me to make an early pay off. Navient refused my offer. Other service lenders have allowed me to make an early pay off in order to make a large one time payment that would be easier on the borrower. 

I am seeking assistance from CFPB on this matter.
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I am filing a complaint and as that the Chase account be cleared and deleted from my credit report due to the fact that Chase filed a XXXX to the IRS for the amount of debt as additional income. 

I filed the XXXX accordingly when filing my tax returns for the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

The Chase account is # XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (MD)

Sallie Mae has continually harassed me since XX/XX/2020 ; calling multiple times throughout the day from multiple numbers. Agents have not only been terse in conversation with me and yelled at me but have decided to call and harass relatives of mine multiple times who are not even involved in loans. They have even gone as far as yelling at relatives of mine and assuming that they are me and have even left multiple voicemails after they have been asked to cease communication with them as they are not involved in any loans. I have also received text messages from unknown senders stating that I owe a private or federal loans and need to pay. The continuous harassment by this company has not only been taxing on myself but also my family as they keep getting calls after they have informed the individuals on the phone that they are not me. I have in the past asked for some sort of payment plan with the company however the company refused to assist me in any way and left me to pay the full amount without any sort of long-term relief or assistance.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (WA)

On XX/XX/2020 I went to go pull some money off my pre paid card witch my unemployment benefits was getting direct deposited too and it said my account is locked so then went online to check and see what is going on and again it wouldn't let me even check anything with my online account because it was locked so I call them and they say they are sorry but my account was locked and to release my money they would need copys of my id, social security card and a piece of mail proving my address so I sent all that multiple times and they still keep playing games saying its not enough or its not up to date. ive sent mail thats in the last 30 days and they still denied me my money. Its around XXXX XXXX and XXXX XXXX dollars. I have a family so I rely on my unemployment i need my money please help me ... ..