davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 I purchased airline tickets through Chase travel for {$1700.00} total. {$240.00} in credit card rewards were used and balance of {$1500.00} put on my Chase credit card. In XXXX my father in law had taken a turn for the worse and we decided we couldnt take our trip. I had submitted a refund through XXXX XXXX after reviewing their policy and steps. I obtained a letter from the XXXX  physician that was needed and submitted all needed information. On XX/XX/2018 I received an email from XXXX XXXX saying they understood and they wished us well and processed the refund. It wasnt until sometime later I realized that the rewards part of the credit card was a third party and that is who I needed to get my credit from. I had noticed in the email from XXXX XXXX the credit card that was credited ended in XXXX, not my credit card. Chase the credit card department had informed me that the third party travel rewards department would not refund me due to their policy of the purchase needed cancelled within 24 hours and  they did not care about my father in law at that time XXXX. I have attached a complaint form I filed with the credit card  company along with all other supporting documentation. The third party travel rewards department for my credit card company has now received money from me ( Chase credit card ) and also from the airlines so they have made money off this issue.
Consumer complaint received 2020-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

I currently have 4 Direct Consolidation Loans serviced at FedLoanServicing. 

Following the XXXX pandemic, the Federal Student Aid website ( XXXX XXXX XXXX ) states that Any payment you made during the administrative forbearance period (XX/XX/2020, through XX/XX/2020 ) can be refunded. Contact your loan servicer to request that your payment be refunded. 

On XX/XX/2020, I submitted an online ( https : //accountaccess.myfedloan.org/contactUs/index.cfm? event=sendUsAnEmail ) email request to FedLoanServicing to get a refund for my XX/XX/2020 auto debit payment in the amount of {$540.00}. On XX/XX/2020 at XXXX XXXX, I received an automated email reply with subject line FedLoan Servicing confirms receipt of your email that stated, Thank you for contacting us. In response to your email, we wanted to share some of the information that our customers have found most helpful to answer your Billing & Payment questions. The email additionally provided web links to Frequently Asked Questions and also stated that, If you can't find what you need online, give us a call at XXXX and speak to one of our experienced loan counselors. 

It has been 48 days since my initial request, and I am concerned that FedLoanServicing is not processing my refund request that I sent them on XX/XX/2020. 

I would like to seek out the assistance of the US Consumer Financial Protection Bureau to ensure that the refund of my XX/XX/2020 payment is processed by FedLoanServicing.
Consumer complaint received 2020-08-18
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 — Their investigation did not fix an error on your report
Company: CONTRACT CALLERS INC (GA)

I have a loan with CONTRACT CALLERS INC ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONTRACT CALLERS INC ( Original Creditor : XXXX   XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-01-24
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: Home Loan Center, Inc. (GA)

On XX/XX/2023 I received a notification that XXXX hard inquiries were performed on my credit report : XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I did not authorize any of the aforementioned companies to perform any form of background check or credit check. More importantly, I have never even heard of those companies and I do not know how they obtained ANY sort of personal information about me enough to run any form of check. What I did find out is that they were contacted by LendingTree. I received an automated email from LendingTree on XX/XX/2023 regarding auto loan refinancing. I clicked on the email, answered BASIC questions about make/model of vehicle. Within 30 minutes I received the notification of the XXXX hard inquiries. I immediately called the XXXX credit bureaus and was told to also contact the XXXX XXXX XXXX to report LendingTree. I filed a complaint with the XXXX and received a response from the XXXX  of New Jersey stating that they will not be moving forward with my request because the company LendingTree is either unreachable or they appear to be out of business. Ironic because XXXX days later I received an email from LendingTree asking me if I was satisfied with the auto loan refinancing and I replied to all of the questions asked. I continue to receive automated emails from LendingTree on a daily basis, so the notion that this company is unreachable or out of business is an atrocious excuse to not do ones job.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (ME)

On XX/XX/XXXX I called the bank only to be notified that they had frozen my account and after 50 minutes on hold they demanded I go to a branch to discuss why. I then received a call as I was driving from a branch in XXXX XXXX ME that they froze my account due to two deposits made at the end of XX/XX/2020 and one the first week of XX/XX/2020 from the State of Maine Unemployment. My husband 's company was furloughed for two weeks due to Covid-19 his claim was not fraudulent. We called the State to confirm as well as received a letter from his employer. The bank wanted nothing to do with it as they as processing their " own '' internal investigation. They first stated Unemployment contacted them which is a lie confirmed by Unemployment as well as the state level. They then stated XXXX XXXX contacted them again confirmed by Unemployment and at State level a lie that is not their process. They do not EVER contact banking institutions. I believe Keybank is conducting fraudulent activities that I demand investigation on. I have ZERO access to any of MY money.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am bringing this to CFPB second time after crossing 30 day deadline by the credit bureau ( XXXX  ). I have complained about wrong Inquiries on my credit report to the company ( XXXX  ) and asked for a verifiable proof of permissible purpose. 
I did not hear back in 30 days and I complained about this issue to CFPB. I was told that XXXX  is still working on my issue. 
I am requesting second time to CFPB to help resolve the issue as this is a clear violation when wrongful hard inquiries are still showing on my report. I am reserving right to file for lawsuit to claim for {$1000.00} per wrong entry on my credit report.
Consumer complaint received 2020-08-18
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 {$4500.00}.

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 CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (FL)

I have an old checking account that I no longer use with First National Bank. I received a notice in the mail on XX/XX/22 saying it was overdrawn by {$25.00}. The last time I used this account was when I made a small deposit of {$45.00} on XX/XX/22. I had not received any notices regarding it's status of overdrafts. 
When I went on line on XX/XX/22 to resolve the issue and close the account, I saw it was overdrawn by {$61.00}. All due to fees. Nothing was due to any expenditures I had made. The last actual expenditure I made from this account was on XX/XX/22 for {$9.00} On top of the monthly {$6.00} maintenance fee, which I can understand, I was being charged {$12.00} every THREE business days beginning XX/XX/22 when the account when in the negative due to the fees being assessed. Of course with each fee assessed, it went further into the negative. I received no email or other text notification of this issue. Again, the first notification I received, was by mail on XX/XX/22. Upon speaking to a few representatives of First National Bank, they saw nothing wrong with this at all. Even though the state of this account was not of my doing. They would not let me close the account until the balance is XXXX. I want them to reverse the fees. They need to " research '' their ability to do so. Meanwhile, fees will continue to accrue. 
When I called to get this resolved, I wanted the fees reversed since it was not due to anything I had done, they said I agreed to this fee structure when I opened the account. However, First National Bank purchased XXXX XXXXXXXX XXXX, where I originally opened the account and my account was simply transferred. So I never actually agreed to these conditions, at least not that I recall. 
I am not overly concerned for myself, I can absorb this. For me it's the principle and the absolute greed that irks me. What concerns me is the excessive and exploitative nature of these fees, hitting the folks least able to handle them, in most cases. It is practices such as these that keep poor people poor. As an old friend of mine and I used to joke, " It cost a lot to be poor ''. Back in the day we were. Exploitative practices such as these keep that statement true and they need to stop. 
I would love to see First National Bank held accountable for these unnecessary practices. Such practices should not be legal and they need to stop. 

I have attached a screenshot of the fees assessed that caused the overdraft charges. 
There is also a screen shot of my alert file, showing no alerts were sent to me regarding this issue.
Consumer complaint received 2020-08-18
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NC)

I contacted Great Lakes ( Dept of Education ) XXXX Wisconsin about Negative info placed on my credit report. I presented my specific financial circumstances also. I also mentioned that they were violating the CARES act related to COVID19 irelated to not reporting negative info on credit bureau reports from XX/XX/2020 to XX/XX/2020. Great Lakes has reported negative info to all three credit bureau instead of indicating that my account current, they have reported it as derogatory which has been devastating to my credit score. 
I was set to make a major purchase at the end of XXXX but now that can not happen. This affects my livelihood significantly because now I wont have transportation for My son to go back and forth to school. He is XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (LA)

In XXXX or early XXXX, I asked Navient to pull my loan out of repayment while I was in school for the purpose of securing a FHA mortgage loan ( before the new HUD change ). I needed an actual payment to remain in qualification for the loan, as the mortgage specialist missed this loan on my report. I have since graduated. Nevertheless, while XXXX promptly put my loan back in deferral due to my in-school status, Navient is refusing to put my loan back in deferral citing that I have graduated, even though I just graduated in XXXX and am well within the grace period. As well, I believe there is currently a COVID forbearance, as well. I have emailed to no avail and tried to set up calls. Still, they are adding fees to my loan and have kept the loan in repayment. In addition to being inefficient, it seems like a shady business practice at this point since they know that recent graduates have a grace period. XXXX, there is the emergency forbearance to which all appear entitled. Additionally, we discussed this situation by phone and staff there agreed that it would be no problem to resume my in-school deferral afterward. Something is awry, and it stands in stark contrast to the exact same scenario I have with XXXX, which was handled without my ever having to email or pick up the phone again. 

Also, they appear to be trying to break the law. 
" In-School Deferment You are eligible for this deferment if youre enrolled at least half-time at an eligible college or career school. If youre a graduate or professional student who received a Direct PLUS Loan, you qualify for an additional six months of deferment after you cease to be enrolled at least half-time. '' https : //studentaid.gov/manage-loans/lower-payments/get-temporary-relief/deferment
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit 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)

On XX/XX/2020 I was scammed on a Best Buy Website when trying to access the Geek Squad service. The scammers bypassed the actual chat box using their own in its place. The scammer logged into my computer with fake Best Buy credentials and then claimed there was a problem that need to be fixed. He asked me to order some items using my Best Buy card. At that point I was starting to realize that I was being scammed, however, this person had access to my computer so I did as he asked so as not to alert him that I was suspicious. He was supposed to contact me the next day, and I assume was going to threaten to destroy my computer if I did not provide the gift card information. After that call I contacted the credit card company cancelled my account since I was not sure this person had the card info. A fraud specialist contacted me and when I asked her what to do with the gift cards when I received them she told me to destroy them which I did. Now the credit card company is denying my claim saying that I benefited from the transaction. While I did receive the cards, they were destroyed based on information received from their representative. Therefore I do not feel that I should be responsible for the {$400.00} in charges.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Equifax continues to report fraudulent information on my credit report. Upon talking to XXXX supervisor XXXX  XXXX officer of consumer, I explained the original creditor XXXX XXXX XXXX was reporting two different amounts, on two different credit reports for the same services, but using false information as the original creditor, which was XXXX and XXXX XXXX XXXX, XXXX. They also used two different amounts for the same services, which was removed from my XXXX and XXXX report. Since the disputes have been removed from those two reports, they have recently sold the account again to XXXX XXXX, which they decided not to follow through with the account. Documentation and proof of false information being reported by XXXX XXXX XXXX and XXXX XXXX XXXX has been attached. XXXX XXXX also violated my HIPAA rights by providing XXXX XXXX XXXX an itemized bill with personal information on there with services that were not provided to me ( which is attached ). XXXX XXXX XXXX were not able to provide me a HIPAA release that released my medical information to them. The itemized bill listed fraudulent services.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

I tried to obtain Equifax full credit report to dispute an item creating ecnomic hardship. 
I went to the website and tried to find the " disputes '' page, but " page not found. '' Or when I tried to login, the website refused to accept my password ( they were right ) so i had to change it ; then I logged in and still could not access my credit report to dispute an item. Then I logged out, tried logging in again, ended up again on a page " file not found. '' So I just tried to access the full credit report and ended up at the payment page. Allegedly credit reporting bureaus are providing free credit reports during the COVI19 pandemic, this is a scam to get people to pay for what was once a free service to dispute items on credit report and obtain full credit reports for this purpose.
Consumer complaint received 2019-09-09
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. (IL)

Hi after going over credit report and disputing debt for validation XXXX refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TN)

XXXX IS ON MY XXXX AND EQUIFAX CREDIT FILE AND THAT BILL IS ALREADY BEEN PAID AND HERES THE PROOF AND I EVEN HAVE A CURRENT BILL WITH THEM AND THEY HAVE MY STATUS WRONG, THE DATE OPENED WRONG, THE DATE OF LAST ACTIVITY IS WRONG, AND THE LAST REPORTED DATE IS SHOWING WRONG
Consumer complaint received 2019-09-09
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. (TX)

XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Financial Corp. (GA)

I have a loan with PEOPLES FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PEOPLES FIN with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018, XX/XX/2018, XX/XX/2018 )
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STIFEL FINANCIAL CORP. (MO)

In order to dismiss an adult abuse case against my husband after filing for divorce my husband agreed to purchase a home for me as long as I would use his lender at Stifel Bank, XXXX XXXX. I found a home at the end of XX/XX/2018 and called Mr. XXXX who my husband and I have done MULTIPLE real estate transactions with in the past and asked if there was anything he needed from me to speed things up because I had to be out of my home by XX/XX/XXXX. He for the FIRST time made the comment that my husband 's credit score was great because he makes so much money, but he would have to run my score. I thought this was strange since I had just filed for divorce XX/XX/XXXX. Knowing that XXXX XXXX and my husband had been hunting buddies for years I was concerned he may not be ethical so I had a back up lender run my credit report and my husbands. My credit score was above average but my husbands was FROZEN. When I asked XXXX when the last time was that he ran my husband 's credit score he LIED and told me he couldn't remember. I repeated the question and he said it had been a couple of years at least. Then I asked what happens if your credit score is ran to often and he got defensive and said, " I don't know, why are you asking? ". I told him it was my understanding that it can freeze your credit and that XXXX 's credit was frozen. And I had in my hand a paper that said Stifel Bank on XXXX where XXXX works ran his credit on XX/XX/2018. How could he not remember just a few weeks ago running his credit? He then yelled at me and told me it was none of my XXXX business and to go get a loan somewhere else. Not only is this unethical, discriminatory, rude, poor service, etc. It's unbelievable that a top professional who represents Stifel Bank would behave in such a manner. What an embarrassment on behalf of the establishment. 
It's clear that he was hoping to tell me that my credit was bad and I would not be eligible for a loan, thus my estranged husband would not have to buy me a home. Luckily, I had gone to a backup lender.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (IA)

I recently applied for a store credit card. XXXX sent me a letter in the mail saying i was denied because of a low credit score. They said my score is 250 points lower than it really is. I also never requested them to send me my score, it was just printed on the letter I received in the mail.