davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I had not received US Banks response-They sent 2 CONTRADICTORY letters 2 DAYS APART TO CONFUSE. I NEED FINAL LETTER AND REIMBURSEMENT-I FILED XXXX  DISPUTE TIMELY, WithIN 60 DAYS ACCORDING TO BANK, AND HAVE US BANKS LETTER AS PROOF THAT IT WAS FILED TIMELY. 
I emailed XXXX Branch Manager proof that I reported dispute timely and she called the police.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

This deals with a small business checking account. I am President of an XXXX XXXX. The account is not very active. When trying to access the account to make some end of year distributions, I was informed the account was marked 'Inactive ' since no checks have been drawn in almost one year. No notification was given prior to being put into the 'Inactive ' status. The banks policy is then, after one more month, to mark the account as 'Dormant ' and turn the assets over to the state as 'Unclaimed Property '. I find this totally unacceptable. Specifically, to take such actions without attempting to notify of any impending steps. The bank has current contact information -- address, telephone and e-mails. I have regularly logged-in on-line to access the account but this was insufficient to consider the account as active. No attempt to contact was made before taking actions. I have contacted the bank and they confirm that this is their policy. I find this totally unacceptable and counter to the public good. Please note that I also have personal accounts that are very active and accessed via the same user ID and password. Nonetheless, the back never considered these before taking actions.
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My student loans were handled through XXXX until I submitted the request for public student loan forgiveness for social workers in XXXX. In summer XXXX, my loans were transferred to FedLoan Servicing. At that time, they informed me that they will need a few months to sort out my number of payments from XXXX to give me an accurate number of student loan payments made toward the required XXXX. After a few months, I contacted them again and each person I spoke to did not give me any information, stating it was still under investigation. Finally after they were investigating for a year ( so in summer XXXX ) I was adamant for answers and was told it was not counting my loans from all the years prior because I was delinquent in my XXXX loans supposedly and behind on payments. Obviously I panicked because I was never behind ever so I contacted XXXX who sent me documents proving I was not behind on payments ever and I sent them to FedLoan. However, they still refuse to give me additional information, still refuse to count my years of payments toward the loan forgiveness, and overall are poor at communicating and helping. They claim that I made only 10 payments when I have made payments every month since XX/XX/XXXX, meaning at least 48 payments. They are taking advantage of people and their privilege to be the company designated for student loan forgiveness programs and Ive had enough.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-13
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. (CA)

XXXX, Equifax Failure to fault, I have requested many times information from you, you are in fault for not replying to my request you have ten days from the time you receive these documents to reply with what I request. Equifax you state validate with no evidence on a account that ids not owned by XXXX thats { Fraud } you equifax are on notice TEN DAYS Or remove this fraud It is stated in CFPB response from legal owner to remove this account from credit report and you still report it Cfpb is being used to validate my claim against both of you
Consumer complaint received 2022-06-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-15
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. (AZ)

XXXX XX/XX/2019 I locked the card and announced that further charges are unauthorized. I called several times and contacted via web chat. I even cancelled one card and gotten a new one. I am still getting recurrent charged that I have announced as unauthorized. For now its up to XXXX dollars of those charges made after XXXX XXXX. The credit card company does nothing but sending me bills on the card I dont use. I told them that as soon as I am done paying I am closing an account. So now they keep posting recurrent charges as approved while they are not approved nor authorized, because I am telling that! 
I am tired dealing with this company ( Citibank ) and I want to resolve unauthorized charges and to close this account. Thanx
Consumer complaint received 2021-11-29
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. (NY)

These companies / credit bureaus and banks are reporting fraudulent inquiries, transactions and inaccurately debt which has left me with a disability  to obtain lines ( s ) credit ( s ).

The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. XXXX XXXX : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE,
Consumer complaint received 2020-11-27
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2021-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (SC)

I have attempted to reach Amerifinancial Solutions on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Amerifinancial Solutions nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Amerifinancial Solutions provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration for the multiple accounts that they are listing on my credit reports under the law.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (MI)

Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX my s s number is XXXX Im have a problem paying items at XXXX payl pal is preventing me from completing purchases because I dont have paypal or use it as I have been banned from paypal the most recent was XX/XX/2021 INVOICE DATE XX/XX/2021 ORDER NUMBER XXXX SOLD XXXX ( 1 item ) INVOICE TOTAL US {$120.00} Order XXXX XXXX XXXX Electric Guitar. Custom color, matte finish, Perfect See cancel details - INVOICE DATE XX/XX/2021 XXXX XXXX XXXXXXXX Electric Guitar. Custom color, matte finish, Perfect Status : The order was canceled beacause I couldnt complete the transaction all my creditcards are effected I can not us them
Consumer complaint received 2019-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

XX/XX/2018 : Rate Reduction program agreement for 6 months XXXX XXXX XXXX : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XXXX XXXX : XXXX payment XXXX XXXX XXXX : statement received for XXXX for last of 6 payments. Amount deducted from account was XXXX. Navient stated the agreement had ended. I violated the agreement. I failed to renew in 6 month time frame. Interest rate was increased to 7.5 % In an attempt to discuss and review this issue Navient is stating I was aware of this increased deduction and agreement violation without Navient ever contacting or providing a statement indicating the amount due was more than the agreed XXXX or that the 6 month contract had ended before the 6 month term
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MD)

- On or about XX/XX/2019, the Trust received from XXXX XXXX XXXX XXXX ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 ) alleging an indebtedness owed by the Trust to an alleged identified as JP MORGAN CHASE BANK, N.A. (  JPMCB ). 

- In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to XXXX a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. 

- Please see attached documents of proof of me sending the letter and its receipt by XXXX. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

- It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MS)

I have been trying to fix my credit report and in XX/XX/XXXX, I had sent XXXX XXXX a forgiveness letter for a late fee that I obtained back in XX/XX/XXXX. XXXX never responded to these letters & in XX/XX/XXXX my account was closed. I was not late on any recent payments and had a low balance & was still using my card appropriately. There was no reason to have closed my account. I called & spoke with customer service in the credit department and no one could tell me why my account was closed. The manager did not want to get on the phone with me and the sweet lady tried to figure out what the issue was and after over an hour of being on the phone & reading through the notes, she simply said. I have no idea why they closed your account unless XXXX got confused on the year you were explaining why you were late. She apologized several times and gave me XXXX 's phone number and told me I could get more specific answers from them but my account couldn't be reopened but I could apply again for another account. I DO NOT WANT TO APPLY FOR ANOTHER ACCOUNT!!! I never asked for my account to be closed and wasn't given any reason for it to be closed. I wasn't disputing any late fees in XX/XX/XXXX. My credit score was pulled down 10 points for them closing out a good credit card. I am requesting they reopen my account or they can delete it from my credit report altogether. This is not a way to do good business with your customers and I had been a loyal customer since XX/XX/XXXX.
Consumer complaint received 2022-01-06
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: VW Credit, Inc (HI)

I contacted VW finance in 2018 and provided a court order to remedy my dispute. VW returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. Volkswagen financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, VW financing refused to honor the court order and placed this negative debt on my credit report.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (TX)

Discover Card offers an interest rate from 11.24 to 23.24. You would assume that a person with great credit ( XXXX equifax ) would get a low rate ... ... not so!!! They gave me a rate of 18.24. This is dispictable. The XXXX customer service people I talked to could not explain why. This is typical unethical marketing by a dishonest company.
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2022 I was denied credit trying to lease a car and I was eve told I needed a co-signer for a car at a XXXX dealership with a discount code and everything! 
I was highly upset and discouraged. 
my credit was ran twice while I'm going through credit repair and its just all bad!
Consumer complaint received 2020-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

-On XX/XX/2020, I found a listing for concert tickets on XXXX and reached out to the seller at XXXX to inquire about XXXX tickets that cost {$60.00} each. The seller had asked receive payment through XXXX. Trusting that my bank ( Chase ) is behind me if anything goes wrong using their money transferring service XXXX, I went ahead and transferred {$240.00} to the seller/scammer with the email destination of XXXX. The scammer promised to transfer the tickets to my XXXX account, but tickets never arrived. I then tried sending multiple follow up texts and tried calling but then I was blocked by them and sounded like deleted their phone numbers. I then reached out to Chase hoping I can report and dispute the charge and hoping I can get the money back. Chase informed me that there is nothing they can do other than letting the recipients bank know about this and up to them to take any action. Being a customer for a big bank like Chase, we as a consumer should get more protection than that ... We need action from Chase to protect their customer/ innocent people from fraudulent activities like this.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Unfair charges to pay mortgage and credit reporting I have the Mortgage Account with Loancare. Paying on time ( Every XX/XX/XXXX of the Month ) thru my bill pay account. I realized from their statements late charged after XX/XX/XXXX that my billpay is physically mailing them the checks and they are receiving after XX/XX/XXXX. I  tried to schedule auto payments form their website but it does not schedule the payment once it is due ( after XX/XX/XXXX ). Then I started paying for their website but they charge the fee to pay online after XX/XX/XXXX of every month. More closer you are of the deadline ( XX/XX/XXXX day of month ) higher the fee. I called in so many times but never got anyone to talk to. Finally i got someone to talk in Mid ofXX/XX/XXXX ( I guess it was XX/XX/XXXX ) and request them to make auto draft every  month. They took my banking info and told me that it will be schedule from next month. I went out of country in XX/XX/XXXX and came back in mid of XX/XX/XXXX and received mails that I am behind my mortgage for 2 months. I checked my bank account and found that no draft was made. Ever since i am trying to contact them by phone but found no human to talk to. I sent them 2 request to explain all this thru their website contact us form on XX/XX/XXXX and XX/XX/XXXX but they did not contacted us. They reported us to the credit bureau. Charged is {$190.00} for the late fee. Higher than anywhere.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

This complaint regards to the business credit account ending XXXX with the U.S. Bank. This account has been closed by the bank in XX/XX/2019. I have finished the spending requirement to get the signing up bonus points before the closure. I also received a statements after the closure, showing that there are XXXX " Flexpoints '' in my account. I called the bank and was declined access to those points. The Flexpoint is worth XXXX cent per point if redeemed against traveling charge on the card, according to the bank 's rewards term. The bank should unfreeze XXXX points or issue me a check in the value of those points.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DE)

Chase Bank Cash deposit on XX/XX/2020 XXXXXXXX XXXX  at the ATM of the branch located in XXXX XXXX XXXX XXXX XXXX In a normal day I Went to the local chase bank to deposit cash deposit like so many times before thinking I can trust the us banking system ..to be able to pay some bills.I took some money from my saving account and went ahead to deposit money into my checking account right after. I got te receipt of the transaction confirming my deposit with the exception of the receipt asking me to call an 1800 number to make sure my deposit went through ... 
Little I knew that I will be the start of a roll a coaster ride and a nightmare from bankers promess to help to managers not following up or being of any help.. to different department telling me after whatever internal investigation we can't locate that deposit and not even a word of apology. For some one who use to work in the banking system I was flabbergasted that my bank stole money from me legally.. as even in third world countries you can't do it and have many rights as asking your branch to look at camera ... Every body was giving me the go around and I had to chase for my own money I work hard to get. Bottom line no answer no help no right unless u willing to take it to court.. no even answer to simple question : like did my bank contract allow me to go to court or binding arbitration- Does the atm belong to chase or a third party ... .At this point it's not even about money but principles and trust. The bank that I trust with my money stole my money!!
Consumer complaint received 2021-11-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NH)

Navient will not stop calling unlisted relatives at their homes or jobs looking for me. I have made numerous requests for them to stop doing this, but my wife just got a call at her job about 5 minutes ago. I made another formal request to Navient this past week and here they are still making robo calls. 

Something has to be done. They are blatantly violating laws XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ive tried settling my loan, they refuse, I ask for a repayment play and they say my loan doesnt qualify. They tell me my account is in good standing so they can only assist if I default, so I default then they say my specific type of loan is ineligible. I borrowed XXXX, payed over XXXX back and I somehow owe $ XXXX after 10 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX