davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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: AES/PHEAA (NC)

I have 2 student loans that is serviced by Fed Loans and US Department Of Education. My Fed Loan was transferred to US Department Of Education. 
On my credit report my Fed Loan account stated was opened XX/XX/XXXX & closed XX/XX/XXXX. transfer to US Depart of Education on XX/XX/XXXX. Fed Loan is reporting stating account is still in the delinquency status as of XX/XX/XXXX. I sent several email to CEO and call the company was told to disputed by all 3 credit bureaus the incorrect information. every time information is disputed it comes back stating no changes. 

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Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (ME)

We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.
Consumer complaint received 2018-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

This is a unique situation in which our business was a victim of click fraud by XXXX XXXX XXXX this company promised to send a verbal agreement over the phone that if we were to advertise with them we would not have to worry about our money being stolen via click fraud which is a felony online crime where your competitor clicks on your XXXX so it doesnt run anymore for the rest of the day and the other companies collect all the work XXXX says it in a recorded conversation verbal agreement that they have a fraud detection tool in place that prevent you from getting ripped off in your money stolen while we already receive {$30000.00} back from Citibank our investigators name is XXXX XXXX hes been very unprofessional will not return our phone calls Citibank I was just about {$59000.00} fell and it was his idea to go outside the 18 month bank regulation laws and get the rest of the fried circles which we did and dated we did it with the branch manager XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX bank at XXXX XXXX XXXX in XXXX New York and she faxed over all of the transactions theyve only gave us partial transactions and they keep not returning her phone calls and violating bank regulation laws can you please call us this is the third complaint weve made vs Mr XXXX XXXX ChieF investigations At Citibanks, XXXX XXXX, XXXX Fraud I It in Texas! All he does is keep sending us a letter after you guys contact him telling us is that hes going to take care of this will you still have not received {$58000.00} as promised he said if he has to go to get the banking commission to go after XXXX XXXX XXXX to get the rest of our fraudulent money stolen from our account thats what XXXX do because we are a valued Citibank XXXX XXXX customer and they are keep avoiding us we have been out of business for a year and a half my business is seven years in this very upsetting is affected my family Ive lost my house and we even have proof all PDF files tracking software five years to prove all the fraud! XXXX has just lost a {$90.00} XXXX case where they settled because they knew they could not win against the big company for click fraud please help us please call me XXXX XXXX At XXXX Or email me at XXXXThank You Very Much! Please make them stop lying to you I have made three complaints are ready with you guys and I did get results after you talk to them but then they tend to back off and stop calling thank you very much and have a great day
Consumer complaint received 2019-10-23
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. (GA)

To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.
Consumer complaint received 2021-09-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I started the refinancing process with JP Morgan Chase Bank in XXXX of XXXX. It started off as a normal refi but the loan officer would request documents and then wait until the beginning of a new month to reach out and would then request those same documents again. A new loan officer was brought in and I faced the same issue. My credit has been run multiple times and I have sent and resent the same documentation to not avail. It is XX/XX/XXXX and I still have not closed on the refi of my home. I was locked in at a 2.61 % interest rate with a commitment letter but the company allowed that to expire as well. Now I am being told that I need to bring {$7000.00} to closing and I am not locked into the low interest rate anymore as the interest rates are now rising. All this with the company that already holds the loan to my home. I have had this loan with JP Morgan Chase Bank since XXXX and even with that I am still struggling to refinance. I am not taking any cash out of my house with this refi, simply looking for a lower interest rate.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Chase Bank has closed all my Chase credit cards : Chase Freedom # XXXX XXXX XXXX XXXX ( opened since XX/XX/XXXX ) and newly opened Slate Card # XXXX XXXX XXXX XXXX because during periodic account review they have identified that I am a " high-risk '' customer I have never being late once on my Chase credit card. I have been their customer for over 7 years ( had checking accounts, financed my vehicle which I paid offed earlier ). 

My income is stable and my credit score FICO 8 was XXXX at the time of the closure. 

It is still over 700 at this time.
Consumer complaint received 2018-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZIONS BANCORPORATION (NC)

Zions Bank charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have XXXX XXXX XXXX trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and XXXX XXXX XXXX will not remove it. 
The charge off was back in XXXX, XXXX. opened the file on XX/XX/XXXX. 
So how can Zions bank charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

My credit card balance was reduced before I received any notification for the reason for the reduction. I did not have ANY late payments and paid more than the minimum amount due a majority of the time.The reduction was on all of my Synchrony Bank affiliated accounts ( 6 in total ). After I had the balances paid down to about half of the original credit limit, Synchrony Bank reduced all of the balances of the bank cards I have with them causing my credit utilization to increase drastically and causing detrimental harm to all 3 major reporting credit bureaus. It looked as if the 6 credit cards were maxed out to their limit. I called customer service and was told there was nothing I could do. 4 decreases in XX/XX/XXXX alone. 

Here are the original amounts and account # for each Synchrony Bank affiliated accounts : SYNCB/XXXX XXXXXXXX # XXXX - Balance as of XX/XX/XXXX {$72.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$310.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/BELK # XXXX - Balance as of XX/XX/XXXX {$91.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$370.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/CARE CREDIT # XXXX - Balance as of XX/XX/XXXX {$42.00} Credit limit of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX & {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$250.00} from XX/XX/XXXX to XX/XX/XXXX SYNCBXXXX # XXXX - Balance as of XX/XX/XXXX {$380.00} Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX & {$1200.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/XXXX # XXXX - Balance as of XX/XX/XXXX {$82.00} Credit limit of {$600.00} from XX/XX/XXXX to XX/XX/XXXX & {$320.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/WAL-MART # XXXX - Balance as of XX/XX/XXXX {$49.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$210.00} from XX/XX/XXXX to XX/XX/XXXX My credit bad credit utilization has cause harm to my attempt to consolidate other debt and ruined my chances with obtaining a mortgage loan.
Consumer complaint received 2021-09-02
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)

Chase Credit Cards. 
Last year I applied for and received a Chase Slate credit card. The only reason that I got this card was because of XXXX interest until XX/XX/XXXX. 
This week I received in the mail an invoice from a Chase Freedom card. I paid the invoice which was only for {$10.00}. The card number shown on the invoice for the Chase Freedom card is the same number as the Chase Slate card. I was not notified in any way in advance of this change. I was told that my Chase Slate card was cancelled last month ( with out any notice ). I was told that I received a new Chase Freedom card in the mail, which I DID NOT RECEIVE. The new Chase Freedom card, of course, is an interest-charging credit card, which I did not order, and I did not request, and I do not want the Chase Freedom card. So called customer service and cancelled the entire account. I object to this deceptive and unwanted change in these credit cards. I know the XXXX interest rate promotion on the Chase Slate card ends on XX/XX/XXXX. But the Chase people cancelled the Slate card before XX/XX/XXXX, and they say they changed my account to the Chase Freedom card which has a high interest rate. I cancelled all of my credit cards with Chase, and complained about what happened, but did not get any explanation or apology as to why they did that.
Consumer complaint received 2017-09-22
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. (CA)

Dear Whom it XXXX concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX COLLECTION BUREAU OF XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have been going back and forth with Equifax concerning some unauthorized inquiries and an account that is still being reported that Equifax claimed to verify the date of last payment which is inaccurate. This has been an ongoing issue and Equifax has not been any help. By continuing to report these unauthorized inquiries and inaccurate unverified item they are violating the FCRA. Equifax 's credit breach leads me to believe the company is n't properly investigating disputes as they are claiming. I also have fraud alert on my credit report and have had for several months. The unauthorized inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XX/XX/XXXX. The inaccurate account is XXXX XXXX. 
As a consumer I am aware of my rights according to the FCRA. The only outcome is for Equifax to immediately remove these unauthorized inquiries and unverified inaccurate account as well as send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES AND THE UNVERIFIED INACCURATE ACCOUNT. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.
Consumer complaint received 2020-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (CA)

I have sent this company multiple letters to validate this alleged debt yet have not received any response from them. luckily I sent it via certified mail to have proof they got them! I also called spoke with a representative And recorded the whole conversation.I Was told they would get back to me still no response.Ive been suffering from XXXX because of all the in accuracys they have reported on my credit which has been hindering me for years! Everything About this so called debt is inaccurate egregious and downright unfair all three bureaus have three different dates on last payment they claim to receive from me on a vehicle that reports as charged off but still to this day has gap insurance in my name active! On a vehicle I have no possession of. Might I add The alleged debt they reported closed on XX/XX/XXXX yet they claim to have received A payment XXXX XXXX as last payment received on XXXX yet on XXXX report XX/XX/XXXX of that same year! Which is a lie! This is defamation of character!!! Ive been in XXXX with this company and their lies!! I have so many sleepless nights because of this. Ive become so depressed I feel like this company has made me suffer so much yet hold no accountability nor have they tired to resolve this issues its been years they have been hindering me!. Ive asked for validation of any and every kind yet have received nothing! Im in tearsssss writing this. My last attempt before taking legal actions really. I sent my last letter of request of validation which by certified mail says they received it on XX/XX/XXXX it is now XX/XX/XXXX still nothing with all that is going on in the world right now why do I still have to deal with this
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I have a PayPal Master card via Sychrony Bank. I have had the card for about a year. I have a {$14000.00} credit limit. I was as heading out of the  USA on XX/XX/XXXX so I paid my {$13000.00} bill online XX/XX/XXXX. The money left my bank account on this date. While out of the USA I attempted to use the MasterCard on XX/XX/XXXX and the charges were declined forcing me to later use an alternative payment. 5 calls to Sychrony Bank provided no relief. I was told that large payments are on hold to verify and that my credit line would not be restored until XXXX XXXX. I asked where is the {$13000.00} that left my account on XX/XX/XXXX. They replied it is on hold as it is a large payment. I consider this to be a dishonest business practice to use my funds for 14 days.
Consumer complaint received 2020-10-04
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. (OH)

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (DE)

I have a medical collection from a practice that I have not associated for several years. At the time of my last visit with them my account was current with no debt owed. I have a collection acct on my bureaus- I was able to dispute with XXXX  and it was removed, however it remains on the other bureaus. I have never once received any bill or indication of what this amount is from. I have checked with my insurance and there were no claims submitted for this time frame.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

Barclay 's Bank reported 30 day late in XXXX. I was not late. I contacted them and they refused to remove it. They also didn't acknowledge my error within 5 days.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATIONXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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. (CA)

These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX  XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.
Consumer complaint received 2019-03-10
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. (AZ)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (MI)

On Tuesday XX/XX/2021, Wells Fargo received my second Cease & Desist letter for the fraudulent loan they have in my name. Pursuant to 12 usc 1431 the bank got the loan and the Promissory note but furnished a deceptive form to make me think that the debt was mine, when I only came for credit.