davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

Hello, I have a XXXX account for my daughter, that she used to use when she was XXXX XXXX XXXX XXXX. She has not used the account for the last five years as she does not work anymore. I am trying to close the account numerous time and bankers at the branch of XXXX, XXXX as well as, XXXX XXXX, XXXX XXXX  are refusing to close it with excuses that they are simply busy. I was at Chase, XXXX XXXX, XXXX XXXX on XXXX XX/XX/XXXX at XXXX and met with the banker who told me to come today on XXXX XX/XX/XXXX no later than XXXX. I came there at XXXX and was told to come the next day as he is booked. I clearly stated to them of XXXX that I just need to close the account, and I do work full time and I can only be there after work. They disregarded everything and made me leave. Please help, it is unfortunate that I have to complain in order to have my daughters XXXX account closed.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Bank Of America Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NC)

Caine and Weiner just reported a {$310.00} collection account on my credit report. Prior to the appearance of this collection account on my report, I did not receive a 30 days notice of my right to dispute. If I did, I would have contested this debt, as I do not owe it.
Consumer complaint received 2018-05-30
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: Experian Information Solutions Inc. (TN)

As of 2016, I have been trying to clean up my credit report and there is still have been fraud information and lots of inquiries. I have had a hard time trying to connect with experian. It does not let you speak to person like the other creditors do but it is hard to l let them know that the information needs to be taken off so that my score can be corrected. I have also sent a police report to let them know that whoever it is has stolen my identity and I have a fraud alert on my account. So why are these inquiries still on my credit report? I have called the experian phone number but like I said it will not let you speak to a live person to discuss these issues. The phone number to which they gave me was XXXX. It does not work and I can not talk to alive person.
Consumer complaint received 2021-11-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-04-22
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2017 I filed bankruptcy and at that time my attorney attempted to get my Texas Home Equity Loan reaffirmed in the same manor in which she had gotten my auto loan reaffirmed. Wells Fargo Bank refused to reaffirm the loan and when I inquired why they refused to do so, they replied to me that my attorney never requested for my loan to be reaffirmed. I have made several attempts to clarify this issue and I have filed several complaints about this issue to the bank and through cfpb and this issue is still unresolved. 
I have been making regular monthly payments ever since the bankruptcy and since Wells Fargo refused to reaffirm the loan, these payments do not show up on any of the three major credit reporting bureaus, and this is severely damaging to my credit score which in turn causes me to be denied credit or to pay a much higher interest rate, which has caused me severe financial and emotional worries.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (TX)

Company submitted a consumer report with background check that contained convictions that were over 20years old. This is far beyond the 7year allotment set by both federal and state guidelines. Whrn asked to remove the items from the report they simpky stated that they did not have to follow any state laws as the federal laws exempted them from any time limits and they can repirt anything they want.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear sir, In early 2015, my late wife became ill, and she became deceased. I XXXX XXXX XXXX informed the bank of her passing, which is why I was unaware of any correspondence informing of a change in the pay plan of my mortgages. My bank was authorized to automatically pay from my checking account. They had no right to stop this service agreement because the checking account is only in my name, therefore my late wife had not been enrolled in this electronic payment service agreement, and I am responsible for making payments, which were routinely drafted on the scheduled draft date. 
I should not be charged for insufficient funds because the servicer stopped automatic payment, and that resulted in a late payment or otherwise in default.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

This is the fourth time this has happened. Navient/XXXX was paid electronically by my bank the full balance including the days interest to conclude the Stafford loan. Instead they were silent and revealed weeks later that I owed some amount less than a dollar. In this latest case it was XXXX cents! This wastes my time and money. When I called up to ask about it they said we do n't have that information without about a week of talking with our research department. Are they serious?
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Stellar Recovery, Inc. (CA)

Called from a blocked number and threatened legal action in a voicemail. I already paid this debt prior to it going to collections, and I have the canceled check to prove it cleared to XXXX XXXX XXXX. Not only that, but this was a fraudulent account set up with my information without my consent and then not paid for by my ex spouse who works at XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2016-01-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (VA)

I received a request from " Money Network '' to verify my identity. The request was for XXXX of the following items : Social Security card, Passport, Driver 's License, Military I.D., Green card, etc. 
The letter said they needed these documents to upgrade my account to a Premier Account. They asked for the documents to be mailed to Money Network, XXXX XXXX XXXX XXXX, XXXX GA XXXX. Or, fax to : XXXX.
Consumer complaint received 2019-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (CT)

I signed up for overdraft protection for my checking account with TD bank on XX/XX/XXXX and I was misinformed multiple times about how it worked. I was told on XX/XX/XXXX that I could write a check out for my rent and car payment and I had 60 days to get my account positive and that it would not affect my credit and the checks would not bounce. Well after a couple of weeks all the checks I sent out bounced and until I talked to a supervisor around XX/XX/XXXX he finally told me I had to have my account positive for a check to clear. I stated to him that I had told numerous customer service representatives that I had lost my income and that I was given the correct information. I was only given back about {$170.00} worth of overdraft fees and my account is still negative {$730.00} today.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MSW Capital, LLC (VA)

MSW Capital purchased a charged-off debt and is taking legal action to garnish my bank account. I had previously made payment arrangements but completely forgot about the debt because I had to mail in a monthly check and did not receive any account statements. I have attempted to make payment arrangements, even offering to have a monthly payment automatically drafted from my bank account to no avail.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

I co sighned for my son XXXX for XXXX federal XXXX loans back in XXXX and XXXX for a original interest rate of 8.050 %. In XXXX XXXX said I that I could consolidate and get a reduced rate, but infact they increased my interest rate to 8.0125 %.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$79.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$54.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$200.00} 5. XXXX XXXX Account XXXX : XXXX Bal : {$150.00}
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (PA)

I was looking over my experain report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!
Consumer complaint received 2022-10-02
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: Westlake Services, LLC (DE)

The following companies made " hard '' inquiries on my credit report WITHOUT my consent or authorization ; CONSUMER DATE XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX CO XX/XX/2022 XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (TX)

XXXX XXXX XXXX, original lender - CMRE Finanacial Services, Bureau Name - XX/XX/2020 date reported - payment status, collection/chargeoff - total amount {$680.00} This was not notified and company did not reach out to me. According to my records I did not visit XXXX XXXX XXXX.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

Orginal first complaint : I had a joint account with pentagon credit union with my wife in XXXX we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death. 

addition : That complaint was closed when they showed that I had at one time added myself to the card like I was denying I was added to the card. I am stating that I talked to penfed and they said they removed me and their argument is that they dont have any evidence of the call or even see how this could be a failure on their end. 

I have bank statements from XX/XX/XXXX, when a call was made to penfed to pay off the card. At that time and one other time I talked to another person who assured me, regardless of their official response that I was at fault for them lying to me. My name after that call was removed from any reference to the card but not the liability which is what I requested on the phone. 

This idea that I would pay the whole card off, and then want myself to be liable for my now ex wife 's card is insane. I wanted to close the account, penfed assured me I didnt have to, if I were to get legal people involved and they asked for that conversation would your company still say I am liable even when you can see clearly and common sense wise, exactly what I was trying to do. This is not me wanting to remove myself of debt, there was none, it was paid off, I was asking to be removed when it was basically zeroed out after paying it all with a one time XXXX payment and a request to not be liable for anything after. 

I have an email from XXXX XXXX and XXXX XXXX from Penfed after a similar conversation where he sent a follow-up email with the current balance at the time.
Consumer complaint received 2016-05-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. 
I have no outstanding debt.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I having this problem with Chase, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, my XXXX account was compromised and was used to send money to a person in the XXXX XXXX that I do not know. {$240.00} was taken from my Chime Checking account by this person and was an unauthorized transaction. I contacted Chime and XXXX support immediately after this happened. Several attempts at transactions from this person were made for dollar amounts I did not have and my guess is they kept lowering the number until it reached what I had in my account. The transaction with the unauthorized person was done pending and was settled in my Chime account on the XXXX. I sent a report to XXXX and Chime regarding this unauthorized purchase. XXXX stepped aside in the situation to let Chime investigate. As of XX/XX/XXXX, Chime has ruled against me and is not getting me my money back even though it was absolutely not a transaction I authorized. I then filed to appeal the investigation but almost immediately told me the case was settled. I am shocked and appalled that my bank would choose to side with a criminal over a loyal customer.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

the XXXX bank account # XXXX that's reporting on my credit report has inaccuracies that makes this report invalid ... date last active XXXX XX/XX/XXXX experian XX/XX/XXXX / XXXX XX/XX/XXXX... 
DELETE THIS INACCURATE DERAGATORY REPORT THATS HURTING MY CREDIT REPORT...
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

For more that 60 days I 've had a credit balance on a card I canceled. When I canceled the card I selected the option to have the credit balance automatically transferred to my bank account. After a few weeks the money was still not transferred, so I called and requested a check, which they promised to send within 10 business days. More than 30 days have passed and still I have n't received my money from them.
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Mis-allocation of funds more than XXXX time, and addition of " fees ''. 
Making it very difficult to bring account current as " overdue '' balance is inaccurate and adds up. 
XXXX phone calls today alone, the most recent being at XXXX on a friday evening.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

Equifax lowered my credit score by a whopping XXXX points. That unchecked action cost me and my kids housing. Our rental application was simply denied as a result of the down grade. Like XXXX working poor individuals with children, I am made the poorer when my hardship is compounded by the actions of a non-government ; corporate friendly capital giant and its practices. Consumers have very little protection. 

Equifax appears to indicate that balance increases in my student loan XXXX ( representing interest costs ) are to blame. Yet, these loans are being paid on time and an American consumer with dependent children should not be harmed when interest rates go higher while the student debt is being paid on time. Moreover, as a community worker, I am in the Public Worker Forgiveness Program established after XX/XX/2008. 

I need the XXXX point swing reversed and for the Bureau ( CFPB ) to establish a policy that will allow consumers the opportunity to challenge or correct a record before they are harmed.
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Oracle Financial Group LLC. (CA)

There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had and account in2009 with Bank Of America that closed. The account was closed because of a check that I received that I deposited but had no idea it was fake. However I paid the bank back and now they are saying I ca n't open another account.