davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MA)

I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. Discover card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (MA)

I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. XXXX card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (CA)

I had an account with Check N ' Go in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX Check n Go sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
Consumer complaint received 2016-04-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I desired to have a " work at home '' business. So, I formed a lot of accounts with companies on the internet, ( most of which were at the " free '' level of the services ). Then, because I do n't know how to budget my money like a professional, I got into debt and had to go to XXXX. Now, about a few years later, I am still receiving many emails with claims from companies who claim that I used their services without paying them, even though I never really used their services for anything. I sent a complaint to XXXX and they are trying right now to assign me with a knowledgeable attorney. The idea is to write a letter to the bank, ( which is JP Morgan Chase bank ), that I want to remove my authorization permanently from scams that have been perpetrated on my debit and credit cards.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (PA)

On my credit report it has XXXX XXXX XXXX XXXX XXXX Texas XXXX which is my ex husbands address with his new wife. I have never lived there. Also shows as working for XXXX XXXX, I 've never had them as an employer. I want to make sure my ex husband or his wife did not open up any forms of credit in my name. Anything with those XXXX pieces of information are not mine. Thank you!
Consumer complaint received 2020-10-08
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

Hello, I have an account with Chase Bank. It is not my main account as I do n't keep very much money in it. Its the account I use mostly when shopping online so the card info is saved on my computer. I submitted a few credit cards to be paid in extra and used this card. So last night I checked my bank account because I had to use the card a little extra when I left my wallet in the car with my husband and he was away at work. The account was low but not over drawn. When I checked I had XXXX in the account. This morning my bills posted and overdrew the account. Via Chase banks rules I have until XXXX Eastern standard time to pay back the account before over draft fees are assessed. Today at XXXX I woke up to an email advising me my account was over drafted XXXX which includes a bill I paid and XXXX, over draft fees. Not XXXX but XXXX totaling XXXX dollars! They did n't even remotely give me until XXXX eastern time to replenish the account. I called them to get this rectified and they would only waive XXXX fee, but kept the remaining XXXX on my account. I do not feel I deserve this at all this is supposed to be " over draft '' protection?! They told me, which I understand, that since they were electronic checks I can not see them on my account until they post and neither can they. But they couldnt explain why I had assessed XXXX fees all at once! XXXX fee I can understand and would probably have paid without much of a fuss. But regardless the over draft occurred today on XXXX then the fees should be assessed by XXXX as per their protocol! My bank account of course states they occurred on XXXX but I checked late last night before bed and it was still only at XXXX balance. So I find it wrong that they have it dated on XXXX when I was monitoring the account on XXXX and no over draft occurred. These time stamps are not correct! furthermore I get an email notification the second my account gets over drawn too and my notification was sent at XXXX on XXXX.
Consumer complaint received 2016-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (MD)

I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I am a XXXX veteran who was seeking loan forgiveness due to a service connected XXXX. I was instead directed into a loan consolidation. I am unable to make loan payments based on my lack of sufficient income due to my service connected XXXX. Also, I never had any loans while attending the school that is listed on my loan.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

After school my job did n't pay enough to cover my house yet alone the new {$500.00} payment I had for student loan debt. When I asked about lowering the payment I was told I do n't qualify and then was told to put it on forbarence until I could get a better paying job. Well that still has n't happened so it has just been put on forbearance over and over for years.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AR)

Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable negotiating of lower my payments to an reasonable payments, would not accept a reasonable payment arrangement even after i told them that i was homeless and without a job.
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NY)

A XXXX XXXX XXXX representing XXXX ( XXXX XXXX XXXX XXXX XXXX ) has dinged my credit score for a XXXX Time as of XX/XX/XXXX ( See enclosed ) This matter has taken my score from XXXX to Less than XXXX. 
It is extremely disturbing the recycling un-validated debt is the new scam. 
XXXX mobile has done nothing to protect their current and past customers. 
A XXXX Retention Agent called be, apologized for the matter and waived the final amount. 
This my fifth time sending letters of dispute to each Credit Agency and XXXX. 
During my most recent call with XXXX, I was asked if I had written confirmation of the devices and payments being addressed. 
When I stated Yes I was placed on HOLD for XXXX Hour and XXXX minutes. 
Enclosed is a screen shot of my call with XXXX ( XXXX hours ) XXXX Representatives and no one could explain why my account was in collection. 
Payment ( s ) Made Line XXXX XXXX XXXX Amount Due as of XXXXXXXX  Account Closure XXXX XXXX Line XXXX XXXX XXXX Amount Due as of XXXX  Account Closure XXXX XXXX XXXX Total Due for XXXX XXXX XXXX XXXX XXXX account XXXX XXXX. Thursday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX to Account Confirmation #. XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Payment # XXXX XXXX Final Amount Due to XXXX The supporting documents entail : 1. XX/XX/XXXX ( XXXX XXXX ) Disputed Charges Letter 2. XX/XX/XXXX, XXXX XXXX debt is Valid XXXX XXXX States No Longer Handler of Account ( F ) 3. XX/XX/XXXX, XXXX XXXX for ( XXXX XXXX ) XXXX XXXX 4. XX/XX/XXXX, XXXX ( XXXX ( XXXX ) Billing for XXXX XXXX and XXXX XXXX ) $ XXXX 5. XX/XX/XXXX, XXXX ( XXXX XX/XX/XXXX ) XXXX Dispute Letter 6. XX/XX/XXXX, Accounting of Payment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 7. XX/XX/XXXX, XXXX XXXX 8. XX/XX/XXXX, Purchase Receipt of XXXX ( XXXX XXXX ) 9. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX, Account Status Request XXXX 11. XX/XX/XXXX ( XXXX  Cancel Account ) XXXX XXXX. XX/XX/XXXX ( XXXX of Devices ) 13. XXXX XXXX _ Consumer Financial Protection Bureau ( Initial Complaint ) Please investigate this matter and email me a full and complete accounting of my accounts. 
Do let me know you are in receipt of this email and each of the attached files. 
XXXX XXXX XXXX
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

my name on my nys id is XXXX XXXX XXXX and in my equifax, XXXX and XXXX credit report show as XXXX XXXX XXXX XXXX XXXX and that is not correct my id says XXXX XXXX XXXX dob XX/XX/XXXX address is XXXX XXXX XXXX XXXX, XXXX, new york,XXXX
Consumer complaint received 2021-11-26
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-12-01
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 recently filed a complaint with the XXXX on XX/XX/2018 in regards to XXXX XXXX reporting inaccurate information on my Experian credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. XXXX XXXX XXXX say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (SC)

This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!
Consumer complaint received 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

I paid off my vehicle with Wells Fargo Auto in XX/XX/2022. The state of California holds my title because the vehicle was purchased there. Wells Fargo refuses to release their lien on the vehicle even though I paid it off over 3 months ago. I dealt with this same problem on another vehicle that I financed with Wells Fargo and it took them almost a year to get me my title. They sent me a payoff letter that says I have to contact the DMV directly to get my title released but I can not do that because they have not released their lien. Only Wells Fargo can have the lien released by contacting the CA DMV directly.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

I was turned from a mortgage company because of a number of " delinquencies '' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax 's site, the page would not allow me to submit my complaint. 
I really need to find out what 's going on with my credit scores so that I can dispute the errors.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (TN)

I have ask Experian and XXXX  to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

back in XXXX 2016 i use equifax to look at my credit report XXXX is a void order number i have chat with customer services they agree the number is wrong i try to have them remove the number from the account because i can not see all complete dispute
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Have written you folks before about the incompetence, uncaring, and indifference of Bank of America and the charade they refer to as " customer service ''. Been trying to arrange a short sale of property financed by BOA in Virginia for the past several months. At one time, actually had a bonafide offer. Our loan # is XXXX. 
The most recent agent assigned our tentative sale is XXXX XXXX, XXXX, ext. XXXX. She sent us a ltr regarding same on XXXX XXXX, XX/XX/XXXX Attempts to contact her have failed. Prior to her supposed assignment, we were told to call or contact : XXXX XXXX, XXXX ( ext. XXXX ) ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; etc., etc., etc. 
Needless to say I have left msgs when possible at the above phone numbers. Our realtor, XXXX XXXX has had similar luck. I have even tried actually walking into a BOA branch office and speaking with a gentleman dressed in a coat and tie and seated at a desk to ask his help. I was told ( albeit politely ) " he knew nothing about mortgages ''. 
If I 'm not mistaken, in XXXX when the real estate market crashed badly in a number of states ( including XXXX where we had recently purchased a home ), BOA was XXXX of the institutions that received federal financial help and assistance. ( My wife and I did n't receive any such help and truthfully, did n't expect any. ) XXXX. At present, we 're not sure if said " short sale '' offer still exists. We do know our realtor is trying hard. We 've never had an offer before in over five years. XXXX would think when and if such an offer surfaced that BOA would take aggressive and immediate action to close the deal. But, now we 're in the XXXX century and everything is different. Glad I 'm old. 
So, I 'll continue to try and make phone calls to BOA and sadly continue to make mortgage payments.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Bank of America,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Bank of America Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by BOA about closing the account and getting a refund. I answered all the questions, but BOA has failed to close the account or refund my money.
Consumer complaint received 2022-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (AL)

XX/XX/21 I tried deposting {$1000.00} into my Gemini account and was given an error message " sorry, we encountered an error. If the issue still perssts, please reach out to customer support. '' I have used the same bank account linked to my Gemini account since its origin. I contacted customer support and it listed a phone number with a recording, telling customers to email issues. I did so XX/XX/21 and filed a customer support ticket explaining my issue. No response as of yet. I subsequently filed a BBB complaint. I can't deposit or withdrawl funds to my bank account so my entire Gemini account is frozen and money soley in the companies hands with zero access from me. I do complaince for a large XXXX XXXX, and am disgusted at the lack of customer support/ IT support in regards to my issue. I am losing profits on top of not being able to have the opportunty to withdrawl any funds. Surely if a customer had issues with their account, filed a customer support ticket and then filed a complaint with the XXXX a response wouldve been given by now and resolution determined but this is not the case. I am seeking the help of the CFPB to fix this issue please as soon as possible
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.