davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I purchased a XXXX {$4200.00} flight ticket with the intention to utilize the XXXX Chase XXXX offer of {$0.00} plan fees and no interest on travel purchases. The offer ended XX/XX/2021. Thankfully, XXXX transaction posted to my account by XXXX XXXX but I was unable to apply the offer and create a plan which was odd since its a travel purchase. I immediately contacted Chase customer service and was told some purchases are not eligible for the offer even though I could apply the offer to other travel transactions. I was upset. I didn't fully understand it but I thanked them and hung up. 

On XX/XX/XXXX, I noticed I was able to apply the My Chase Plan to the XXXX transaction which completely confused and upset me since the offer had passed since and would mean paying the fees for the plan. I called customer service again and this time their explanation was different after speaking with a supervisor. They can not determine where to put certain transactions until the billing cycle closes. I thanked the supervisor and sent a secure message via the Chase Banking app to the customer service that same morning, explaining I will be reporting them to CFPB since they provided misleading information and nowhere was it mentioned in the offer online or via email about waiting for your statement cycle to close to determine the eligibility for the My Chase Plan. 
I have family members that purchased tickets and got the XXXX Chase XXXX as soon as it posted to their account. Why offer a promotion knowing the statement cycle has to close before it can be applied? 

On XX/XX/XXXX, I received a voicemail from an employee at the Chase XXXX XXXX saying she'll be reviewing my case. On the XXXX, she confirmed ( in summary ) the transactions NEED to be posted but DO NOT NEED to reflect on your statement before it's applied. This didn't resolve my issue because, I want the offer I was denied! 
I called back to explain again since my issue wasn't resolved. This took most of my morning. The agent apologized and said she'll do a thorough investigation and get back to me asap. 
On the XXXX of XXXX, I called to get an update, no response. I left a message indicating I will be applying the My chase plan since my statement balance was due. 
I finally received a voicemail XX/XX/XXXX with a no resolution resolution. Basically, apologized for the misunderstanding and provided some confirmation that when the statement cycle closes that finalizes the charges that they can not determine where to put certain charges until the statement closes? So, if I bought my ticket XX/XX/2021 this would have been the same issue, missing out on an offer. It makes no sense! This is XXXX! if this information was stipulated in the offer, I would have avoided buying the ticket and saved my money. Now XXXX expected to pay fees Chase should waive!
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account : XXXX XXXX XXXX {$100.00} Opened Date XX/XX/2019 XXXX
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: ClearOne Advantage, LLC (FL)

Greetings, I have enrolled in a credit card debt consolidation program in XX/XX/2020 and the debt relief firm misled me completely by making me believe that I would save at least $ XXXX. It has never materialized because their estimates were completely off and this resulted in their fees being much higher than anticipated. 

While I was informed about their settlement fees, 40 % of the amount settled, they are not based on their so-called estimates made at the moment of enrollment, and there lies the dishonesty on their end. 

As a result, all settlements with credit card firms made so far have been close to the amount I initially owed and barely enough to pay the settlement fees. I am not saving any money but they get away with fee amounts that are nearly double of what I was told when enrolling. 

All that mattered to them if that I signed the contract. I later realized that their fees are calculated on the amount after 6 months of delinquency ( or more ), which they fail to tell me on purpose. 

To give you an example, I still have 2 big creditors, one of which I owe roughly {$3500.00} and the other {$5000.00}. Their estimates prior settlement are respectively XXXX and XXXX and settlement fees estimated at {$900.00} and {$1200.00} ... but the time of delinquency has raised the balances owned by much and their fees will be based on that very final amount instead of the settlement amount they obtained. Not only their {$1500.00} and {$2000.00} estimates will never come true and most likely reach between XXXX and XXXX respectively instead, based on their previous settlements with other creditors of mine. 

I had closed to {$20000.00} in credit card debts when I contacted them via the XXXX XXXX XXXX website and when all this is over in 3 years, I will have saved around XXXX dollars instead of the anticipated XXXX XXXX. I honestly hoped to find debt relief and now I am even worried that it is going to take longer to pay it all back. 

I wished I had known about filing a complaint months ago. 

I emailed them about it twice and they don't bother to reply because they know that they are deceptive. I have printed the sheet from my online account. And that means that the few XXXX dollars that they claimed that I would save are used to finance much higher settlement fees. 

This is a deception - no doubt! 

I made a search and many accredited firms seem to do this, many clients are complaining. Consumers deserve regulations that protect them. I should have filed for bankruptcy as the debt relief industry itself is very questionable. Such a practice is absolutely predatory, and if there is a way to join a class action ( or any law firm that works for free or by the commission ), I'd love to hear about the latter asap. I hope my name will be added to the long list of similar complaints. This matter is urgent in our very uncertain economic environment. 

Regards and looking forward to your email
Consumer complaint received 2021-12-18
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. (TX)

XX/XX/XXXX I got credit reports very easily from XXXX & XXXX. BUT! As usual I could not get credit report from Equifax. I'm sure they have messed up whatever they use to check my ID. Equifax has done this before! Also, the credit questions computer asked were beyond difficult and difficult to answer because question ( s ) asked about XXXX credit I opened in XXXX. I had to open about 5 credit card accounts because XXXX wanted me as a defacto cosigner for my XXXX wife! I didn't want any more credit cards! I have plenty. So, which credit card is Equifax asking about? Who knows? I've been using credit since XXXX, no late payments, no bankruptcy, usually pay off every month. Yet, I'm treated like a criminal by Equifax, ALWAYS SAYING WE CAN NOT CONFIRM YOUR IDENTITY! THIS IS XXXX! THIS IS A GAME BY EQUIFAX TO MINE MORE PERSONAL DATA OUT OF ME! AND THEIR USUAL ERRORS IN MY PERSONAL INFO. Equifax has contract with US Government to be a source of personal data about all of us!!! Equifax is a liar!!! I want my annual report now!!! I'm sure I will find mistakes as I always do in Equifax Annual Reports!!
Consumer complaint received 2021-10-11
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-11
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. (FL)

Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (CA)

SENTRY CREDIT INC has negatively reported a debt collection on my credit report, this is first knowledge of this transaction. I have not received any letters in writing advising what this collection is. I did send a letter, certified mail on XX/XX/2021 requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have confirmation from USPS confirming delivery on XX/XX/2021. After receipt of this letter Sentry Inc. have negatively flagged my credit report 3 times, dated XX/XX/2021, XX/XX/2021 & XX/XX/2021. Copy of letter, certified mail receipt USPS and credit report alert attached for your reference. I have also contacted Original creditor : XXXX XXXX that they indeed were aware that this was fraudulent activity on my behalf.
Consumer complaint received 2021-10-11
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

On XX/XX/21, I reached out to equifax by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and XXXX, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to XXXX and was informed they can only report what equifax gives them. At this point, I don't know what how to resolve this situation.
Consumer complaint received 2022-08-12
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. (CO)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX  XXXX-Date of inquiry XX/XX/
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

Lender : XXXX XXXX XXXX XXXX Servicer : Amerinat I have made all payments on time and I no longer owe anything on XXXX XXXX XXXX mortgage loan. 

I requested a loan payoff amount about a month ago and have not received anything. 

My last check on the loan of {$62.00} was cashed but the amount is not reflected on the online account information. 



Thank-you
Consumer complaint received 2022-08-28
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. (SC)

On XXXX I submitted a letter to Equifax information services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.
Consumer complaint received 2021-10-11
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

My Student loans ( only two ) and tuition was paid 100 % prior to my completing XXXX Program while I attended XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, by my former employer, XXXX XXXX XXXX XXXX XXXX As we're 2 of my classmates/coworkers, who all 3 if us had same job Title, XXXX XXXX  XXXX XXXX XXXX XXXX  of Jail Inmates. 

If you look back on My previous complaints, you will see that my college, XXXX is hiding behind XXXX XXXX XXXX, AES/PHEAA . And XXXX, US DEPT OF ED DEBT RESOLUTION All of which were directly Contacted by XXXX, XXXX XXXX, ID # XXXX, while she was on phone with me. She contacted both XXXX, and AES/PHEAA and directed both Loan servicers to cancel these loans due to ERRORS, and return any and all payments made/intercepted from me. And she forwarded these loans to the NSLD DIRECTOR TO REVIEW. 


Neither AES/PHEAA, OR XXXX has complied with NSLD ombudsmen request as of today. 

I have been in contact with my school, XXXX, financial office VP, and XXXX XXXX, who is the lady that actually made the original error of putting my classmates Loan documents into my file, which resulted in my name placed on my classmates loans. I suggested they do the right thing and cancel these loans, and I find it impossible to believe my college university has no record of any payments made by XXXX XXXX, my former employer paying my and 2 of my classmates tuition 100 %. I call XXXX. 

Which is why XXXX may have no record of any Tuition paid directly to them, I know my former employer does have a record of paying it which is why I contacted them last week and they are searching their accounts payable, etc. And getting back to me this week when they find the proof of paying. 

Which if XXXX, AES/PHEAA, XXXX, US DEPT OF ED DEBT RESOULTION still has a short time to do the right thing or wait until they I have undisputable proof that will shed a bad light on all these Student loan agencies and my college collaborated to defraud students and force students, USAF Veteran , currently XXXX, to pay off fraudulent student loans. 

Knowing the original Lender XXXX XXXX has no record of ever giving a student loan to me, or anyone with my ssn # .nor does original loan Guarantor, XXXX XXXX
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

On XX/XX/2021 In my Coinbase wallet I converted approximately 80000 usd worth of poligon ( matic ) and I got back approximately half the amount in wluna. I lost around 40000 usd for no reason. The fee I agreed to pay was 6 Luna. On my message complain to Coinbase it seems I can not find my right. Below is the poligonscan address XXXX Can you please help? 
Is there any law firm that takes cases like this? 

I appreciate your help XXXX
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background (TX)

I have never been to the state of Florida we're it shows various cases for drugs and narcotics this is preventing me from getting a job can you clear this up please. I am not on probation or parole this is clearly identity theft.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (KY)

Well my boyfriend said he saw money that I supposedly transferred from his account to mine says my phone is linked to his some how idk what to do about it I need to figure it out he said NetSpend, XXXX XXXX, because there is a glitch or something with NetSpend because I get a card once a week.no joke .he thinks it is me scamming XXXX somehow unless my phone is hacked or something but my identity was stolen twice I know of
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I bought something and I returned it back because item was not as described and I did not receive my money back. Now I'm out of my money and item. This is crazy... .I need my money back!!!! It's been more than a month since this happened and when I called customer service, they were giving me a runaround and kept wasting my time! Now I'm looking for an option to sue PayPal for this XXXX XXXX and not taking responsibility to cover buyer protection!!
Consumer complaint received 2022-03-29
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. (CO)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (VA)

I got a loan with BBVA Compass in XXXX and now it has been absorbed by PNC Bank. I do not have any active accounts with PNC Bank. The debt was purchased more than one time and now XXXX XXXX XXXX has filed a lawsuit against me. XXXX XXXX XXXX is a successor-in-interest and the lawsuit originated in Utah. It also states that the debt was acquired on XXXX XXXX. This account was not opened in XXXX of XXXX.
Consumer complaint received 2022-09-30
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-11
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.