davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
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: EQUIFAX, INC. (GA)

I had applied for a credit card recently, and I was declined credit because I was informed that they had found a negative record on my Equifax credit report from XXXX XXXX. I had taken insurance from XXXX XXXX for 12+ years, but since they kept increasing their rates, I moved to a different provider. Because I did not renew with them, they reported me to collections for non-payment of renewal premium, who in turn reported me to the credit reporting agency. How can a company even do that? If I have not taken your service, I have not paid you - that is how it works. 

So, I open a dispute with Equifax and they tell me that they can not do anything. They will report whatever a collections company sends them. What is the purpose of disputing then, if they just blindly report whatever is sent to them? When I called in, the rep was extremely unhelpful and I asked to speak to a supervisor, he said that one was not available. 
If there is such irresponsibility towards customers, how can consumers credit health be determined by refutable and unverified data maintained by such a company? If as a customer I am saying that I should not be responsible for the payment and clearly giving the reason why, then there should be some investigation rather than just checking with the collection company who reported the transaction in the first place? Of course, they will be told that the txn is valid. So, I am not supposed to switch insurance carriers, lest my credit history is tainted. What kind of logic is this?
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

When I opened my business checking account, I specifically opted out of overdraft protection. I wanted the bank to decline any transaction that would exceed my balance. 
Overdraft protection was added anyway, which I was not aware of until XX/XX/XXXX. By this time, I was not using the account much. A transaction for a {$69.00} subscription was processed putting my account negative. The bank did nothing to alert me of this promptly. They mailed a postcard to me, which naturally did not reach me until several days later. Several more small transactions occurred in the meantime which further compounded the overdraft " protection '' fees I was assessed. The fees added up to {$280.00}. I called and complained to online banking, and to two local branch managers. They agreed to refund {$35.00} of the fees and after more complaints, they refunded another {$35.00} for a total of {$70.00}. Despite my outrage, I remained with the bank for the time being due to the hassle of closing the accounts and switching banks. 
In XX/XX/XXXX, they decided to assess a $ 25 monthly fee for simply having the account. This was the last straw. I took steps to open new accounts with a new bank and switch all of my billing over. 
Today when I called to close my account, I had to wait 45 minutes on hold to get through. When I told the representative that I wanted to close the account, he launched into a sales pitch, but the line was abruptly cut. I called back, waited another 35 minutes on hold waiting for a representative and finally gave up. 
This is a terrible business practice. 
I want the {$210.00} they kept from the overdrafts in XXXX refunded, especially in light of the fact that I declined overdraft protection in the first place. 
And I want my account closed.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Penn Credit Corporation (VA)

My XXXX report is currently showing the same collection report twice. All of the dates match, the amount only differs by XXXX  dollars. I have disputed the information on several occasions with no luck. I called on XXXX XXXX 2020 Penn Credit and was told that there is nothing that they can do since they are only showing one account. I also called XXXX on XXXX XXXX 2020 and was told that " they will probably be combined '' The account is almost 6 years old and was paid over 4 years ago. XXXX  was unable to give any other information other than the last 4 digits of the account number which are the same but I was told that there is still a possibility that they are two different account. Current screen shot provided and payment confirmation can be provided as needed. 
Confirmation Number : XXXX
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo put my account in forbearance when I didn't request it. After talking to multiple individuals on the phone I was told that if you click the " more info '' button on the site that you will be automatically enrolled without asking. This is fundamentally wrong. There are multiple news articles out now about the same thing. Someone needs to stop this!
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

During late XXXX, I found that I was being charged a late payment on my card for not paying a balance of {$24.00}. This {$24.00} was for a magazine subscription that was auto-charged to my card. I had not authorized this payment and had also used the Chase freeze card function so was surprised that anything was authorized to this card. I contacted Chase, they labeled the charge as a fraud, and I contacted the magazine company, had the charge removed, and closed the card 's account. I thought the issue was settled until I received a letter from Chase card member services on XX/XX/XXXX, saying that my account was overdue and going to collections. I called Chase and was told that because the charge was reported as fraud and not in the correct category, the charge was re-added to my account. Chase alleges that they tried to contact me by both phone, email, and written documentation ; I however never received any written contact until the letter received on XX/XX/XXXX. The charges by that time added up to XXXX, all fees except for the original {$24.00} bill. In my conversations with Chase I was able to get them to forgive three months of previous fees charged, but they told me that they could not forgive me any further back then that. I have since payed the remaining amount of {$110.00} so as not to adversely effect my credit score.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I had a previous account with Chase that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded XXXX XXXX XXXXXXXX with the Veterans Affairs. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to Chase. I would ask that you remove any blocks from my account so that I can reply for another credit card because I was hoping that since I paid my debt, that I would be reconsidered.
Consumer complaint received 2020-07-17
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. (FL)

I disputed an inquiry on my credit report that i did not recognized with Equifax. the creditor was XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax stated that they were not able to remove such information because the information was accurate. can you please assist with this matter
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

I am trying to link my account with the app XXXX and other apps similar and PNC blocks the app and won't let it connect, with XXXX  or any 3rd company party. It's worked for some apps like Branch and Earning, but will not let me do it with XXXX. It's frustrating because it is my money and I'm giving consent to do so. I feel like this problem should be resolved as other banks have no problem connecting to these apps.
Consumer complaint received 2022-10-04
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: Total Card, Inc. (TX)

This is a continuation of the problem from Complaint XXXX. After the company finally determined I was not responsible for the fraud charges, they " supposedly '' adjustment my account, however, as you can see by the documents I have attached in both of my faxes they ADDED the fraud charges back onto my account!! 
Additionally, all of those interest charges they have on my account were calculated based on the balance with the fraud charges. Why would I pay interest on fraud charges. The same for late fees, I made monthly payments however I was told when I initially called in that the late fees would be waived. 

They have now started to call me and email me daily for collections on my late account payment. I am not going to continue to give them money until they clear up the fraud charges. The first step would be to remove them, permanently. Secondly, they need to recalculate my interest, starting with the interest of XXXX on XX/XX/22 ( prior to the fraud, the interest on my balance was XXXX  ). That alone tells you that they are charging me interest on fraud charges. If I pay the amount they say I owe them, I will end up with a credit and at this point, I do not trust them to honor that credit as they have proved to be quite dishonorable.
Consumer complaint received 2020-12-04
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. (MI)

Greetings, My name is XXXX XXXX, This complaint is in regards to the practices and credit algorithms implied by Equifax Credit Reporting Agency. I have been diligently working to improve my credit worthiness over the past 2 years. I have been monitoring my credit scores and activity through all 3 credit bureaus reporting agencies. 

On XX/XX/2020 my Equifax credit scores was XXXX. During that time I was recommended to dispute derogatory and closed account information. Also I made improvements of paying off 5-6 collections XXXX XXXX XXXX XXXX XXXX XXXX, which the company removed the collections from my credit report after payment. Equifax did not increase my score based of this change. The other reporting agencies increase my score ( XXXX and XXXX ). 

During XXXX, I also improved my credit utilization from 25 % to 0 % and removed 1 derogatory / closed account from XXXX XXXX in Michigan. I was anticipating a credit increase, However, unknown and without case, Equifax decreased my score on XX/XX/2020 from XXXX to XXXX ( 35 pt decrease ). I contacted Equifax with intent to gain a understand and to be given a legitimate reasoning to why my score dropped. They were unable to provide cause to why my score decreased. I have expectational payment history and low utilization. Normally, a removal of a closed/derogatory account would be consider a positive action, unfortunately is resulted a negative output. 

I'm concerned that the Equifax is using unfair algorithms and credit practices to determine consumer credit worthiness. In comparison to My fianc Equifax credit report ; he has no credit history ; with 5-6 collections and his score is XXXX. 

I'm extremely frustrated that Equifax was unable to provide reason to the negative change in my credit worthiness. 

Your support and direction is greatly appreciated.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

Per advertising low interest rate mortgage refinancing, we contacted Quicken Loans through the Rocket Mortgage web site. 

XXXX called us several times, and after sending me an email on XX/XX/XXXX, I replied back. My wife, XXXX, and I have lived at this home since XXXX. 

The refinancing amount was about {$270000.00}. XXXX had us lower the estimated value of our home to {$800000.00} to avoid a home appraisal. Per XXXX and XXXX, our house is estimated at {>= $1,000,000} to {$1.00} and those match recent homes sales in our neighborhood. 

Since this refinance was started, we retrieved a Payoff Letter from our current lender, XXXX XXXX. This triggered them to suggest we also apply for refinancing through XXXX, which we did, and found a lower rate. 

XXXX was notified and he said he could match that rate if we provided our financial documents. This caused us to delay continuing with XXXX as we felt that XXXX was trying to provide a fair offer. 

Because XXXX and I own 90 % of XXXX, XXXX, a " C '' corporation we founded in XXXX, we are considered self-employed, and had to provide not only our personal financial information, but also that of our company. We provide all of this material. 

On XX/XX/XXXX, XXXX said we didn't qualify because of income was not sufficient. 

XXXX has been in business since XXXX. XXXX and XXXX have been employed by XXXX since then. 

XXXX and XXXX XXXX each show a credit score in the XXXX, though it may be the high XXXX since these refinance inquiries have reduced them some. 

In the 30 years we've lived in our home, we have never missed a payment or been late on a payment. All taxes and insurance have always been paid. XXXX and XXXX have no debt outside of the home mortgage. XXXX and XXXX pay off credit card debt every month. 

We believe that XXXX and Rocket Mortgage/Quicken Loans, denied this loan after interfering and slowing our progress with the XXXX XXXX refinance. We believe this is due to bias per our age, as XXXX is XXXX and XXXX is XXXX. They claimed it was related to Covid and insufficient income, yet we've made the same {$12000.00} per month gross for many years. This was a simple refi without any additional cash out, so our costs would drop, not increase. 

We believe they made promises and offers that they were not prepared to make, and used Covid as a reason to suddenly ( our income was always stated clearly up front ) reject the offer they no longer wanted to make. They had to get us a better rate to match the XXXX XXXX offer, and perhaps later showed concern about our age. 

We have {$500000.00} in investments, along with adequate income, no debt, a promising high tech computer software job, both of us have XXXX XXXX XXXX degrees in XXXX XXXX, our our industry is terrific for jobs. And of course the house itself is worth nearly {$1.00} XXXX more than the refi loan amount of {$270000.00}.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (AL)

I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have been deceived by Citibank. Looks like they have a program called Payment Safeguard where they charge you a certain percentage a month according to what you balance is to protect it. I was never informed from the beginning which was XXXX. They have no written documentation from me saying I accepted it nor do they have anything recorded. I got a letter saying I started this in XX/XX/XXXX but there is no documentation. 
I am looking to get credited all the way back to then. Many customers have had to do this and some were refunded in XXXX per the CFPB Settlement, but it looks like they have excluded some customers or just pick and chose who they should settle with. 

Not a real good look for CITIBANK
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

I made a purchase online and paid via Paypal. The transaction was fraud, I have tried to reach out both the seller, and to paypal many times with no success. 
Paypal is holding money, and has no method of getting help. When you call their customer service number a message is received that says " We can not transfer your call at this time '' and hangs up. Their online messaging center says that they are " unable to accept messages '' - there is no assistance. This is the same as Visa just shutting down one day.
Consumer complaint received 2020-07-17
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: DISCOVER BANK (AL)

I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (IN)

Im trying to link my PNC checking acct with XXXX XXXX. I was able to successfully my XXXX XXXX acct fine but it says there is an internal error when adding PNC. XXXX uses XXXX to verify accounts.
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

This complaint submission is in regards to a false credit report by EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a Supervisor by the name of XXXX XXXX, who upon requesting information regarding the account, he then provided me the fax number so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2020, was confirmed through my fax machine that the Supervisor had received the files. At this point it is now XX/XX/2020, and after 30 days of notifying them, neither my Attorney or I have received any response, nor correspondents. 
I specifically asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$2100.00}. EOS-CCA are falsely reporting a debt to the three major Credit Bureaus and never sent me any initial notification. They even marked the account as pass due with several missed payments for something I was never even aware I allegedly owned. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX  ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS-CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in the time of a Global Pandemic with the COVID-19 virus, and access to funds are crucial for survival. This false report by EOS-CCA has prevented me from gaining access to any lenders due to Derogatory Marks on my Credit Report. At this point EOS-CCA have failed to provide any competent evidence or any legal obligation and they are currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.