davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

I am no longer able to access my Wal Mart online credit card online account. I tried calling the XXXX to get me back into my account. The online message is telling me I am entering incorrect personal information and I know it is correct. When I call the XXXX number it sends me to the collections department. I explain to them I want to go online and pay my bill and see what all the charges are. They tell me they can not access that information and I have to speak to customer service. I ask to be transferred to customer service and was sent back to collections. I explained to the rep that I would like to see my XXXX & XXXX statements but they wont let me because they 've locked me out. The collections rep tried again to reach the customer service dept and then they hung up on me. After XXXX calls I was told to by XXXX in customer service to contact another number XXXX. This was also to a collection agency called XXXX XXXX XXXX XXXX could not help me so she transferred me to her supervisor XXXX and he could not help me. They said they are only responsible for collections. All I want is access to my statements. Why cant they give me access to my statements? I do n't recall ever reading that they could lock me out of my online account. Can you please help me get access to my online account.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (OR)

I received a call ( phone message ) from Chase 's fraud unit informing me that someone had applied for a Chase XXXX credit card and that I should call to verify. I became concerned, because I HAD N'T APPLIED for any such card. 
I called my credit protection service, XXXX and they advised me to put a fraud alert on my account, which I did. 
When I called Chase back, they told me that they had ISSUED the credit card. I was livid to think that they would proceed WITHOUT my confirmation. They did not apologize, except to cancel the card. Nor did they agree to file my complaint about their system to their corporate headquarters. I DO NOT have any connection to Chase ... no bank account, no credit or debit card, no loan. 
Since then I received a letter from XXXX informing me that the credit alert was registered and also that I was entitled to a copy of the fraudulent application details. So I called Chase and they informed me that I had to send a written request to them with all kinds of documentation, including police reports etc. 
I can not comprehend WHY I need to supply this information WHEN it was CHASE who initiated the inquiry and therefore I do not have any documentation except what I 've received from them. A letter, which I attached arrived a few days after their phone call message. 
This aspect of fraud protection is NOT adequate and obviously Chase is inept and negligent in protecting its customers. 
I am grateful for your willingness to establish accountability for corporate policy and look forward to your reply.
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (RI)

I received a loan ( at the time I did n't know it was a loan, I was told it was a grant ) for XXXX. The loan was from XXXX which is now Navient. When Navient kept contacting me as they still do, they just kept telling me to put the loan into foreberance to stop it from going into collections. They had the monthly payment at a set amount but never explained that I could lower the amount to accommodate what I can afford. I also did n't know the amount would keep going up while in forbearance, making it impossible for me to pay at all.
Consumer complaint received 2016-11-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MS)

After I cancelled my loan Navient sent another XXXX XXXX dollars to XXXX XXXX XXXX XXXX XXXX XXXX XXXX They will not remove this from my loan even though it was their error. I never attended this school.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Home Servicing LLC (GA)

Had a terrible experience working with XXXX XXXX at Home Services Lending. He forwarded a rate lock agreement for 4.5 % that my husband and I signed. Two days later, he stated that he would not honor the interest rate of 4.5 % because his computer erroneously put in the rate. Instead, he advised that our rate was 4.75 %. When I escalated this issue to XXXX 's superior - XXXX XXXX, she also suggested an error in the computer generated agreement. However, regardless of any such error, XXXX XXXX signed the rate lock agreement for 4.5 % prior to forwarding it to my husband and I to sign. Despite this fact, neither XXXX nor XXXX agreed to honor the rate, and my husband and I were forced to close on our house at a rate of 4.75 %.
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

In 2009 I lost my job and was unable to make the payments on my private student loan which caused them to go into default. I am now currently employed and want to rehab my credit. These private loans are hurting my future plans. I contacted the servicer Navient which is the new servicer on my loans and they will not help with any repayment options on my defaulted loans. I want to know how can I get back in goodstanding and show that I want to get these loans out of default.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (GA)

I visited my doctor at XXXX for my regular checkup and as suggested did lab work at doctor 's office. This lab work is sent to XXXX labs for study. The XXXX related expenses are dealt by insurance and doctor 's office. 
The XXXX labs should have Forwarded the insurance bill to my insurance company and any thing from there should have been dealt by my Insurance and Doctor 's office. Instead they kept sending to me which i thought was already taken care by Insurance. They moved this amount to collections impacting my credit very bady and without my knowledge. When i got to know about this i did call up XXXX on several occasions and each time they misguided me and said Doctor 's office is responsible. This continued long when i brought this to my Doctor 's office they said to deal with XXXX. Only when i narrated this incident to my Doctor then the doctor 's office found out that mistake was from XXXX. 
I want correct reporting back of my Credit score and also would like to register a complaint against XXXX and their practices in billing matters
Consumer complaint received 2016-10-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AR Resources, Inc. (NJ)

AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.
Consumer complaint received 2021-11-26
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. (PA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). I have advised them that under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Paypal Holdings, Inc (OH)

This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IL)

This debt was for services that we 're not provided, services promised by XXXX XXXX XXXX, bill has transferred from collector to collector to collector because XXXX XXXX XXXX promised a service & a rate, then I was told by Customer Service " the internet service they offfered could not be supplied at the promotional rate that I was promised ''. This amounts to XXXX.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PR)

The account was deleted by Equifax And XXXX because is from 2006 And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

I received a phone call from Seterus mortgage/debt collection company inquiring about my monthly mortgage payment. The payment was not made on the XXXX but instead on the day they called which was the XXXX. I inquired as to why they were calling within the 15 day grace period and that I have never missed or been late on a mortgage payment. They said they will call until they receive the payment unless it is made on the XXXX irregardless if the payment is made within the grace period.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do?
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Hello I wired {$60000.00} ( XXXX XXXX  ) to XXXX/Coinbase onXX/XX/XXXX, I verified every information on XXXX page, routing #, acc # and wire message twice before sending the money.

wire info : REF : XXXX XXXX XXXX XXXX TRN : XXXXXX/XX/XXXX After a few days without my Coinbase acc being credited I wrote support and they gave a ticket # XXXX, on XXXX I received this email " '' Hi XXXX, Thanks for sending in the requested information.

The wire may be returned because it was missing your banks details in the originating institution field.

I am working with a payment specialist to address the wire properly. We will follow-up with you as soon as we have an update " As of today XXXX  I haven't received any update on my case, customer support doesn't respond my emails, phone support does not have access to bank transactions, basically there is no real person to talk to about this type of issues, just an unresponsive email address.

bottom line, as ofXX/XX/XXXXI don't know where my money is.

Thank you
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Experian Information Solutions Inc. (FL)

my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX, I filed a dispute with XXXX about an unauthorized charge on my account and it 's XX/XX/XXXX and nothing has been resolved. When I called, they asked me to contact the merchant since the transaction was outside XXXX 's. This is ridiculous and I 've never heard anything like this. I believe this is a reg E violation, since no provisional credit was issued neither have they resolved it within 10 days.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Collection Specialists (IN)

A person from collection specialist in XXXX Indiana called my home and spoke to my sister on XXXX/XXXX/17 around XXXX XXXX. The lady told my siste I owed some company {$95.00}. This person called my home number and for XXXX, apparently acting as if she was calling a friend. This person just started telling my sister that I owe some company money without explaining who she was or what company she worked for. After she disclosed what could be my private information to my family member she then stated she was with Collection Specialist of XXXX, Indiana.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

This letter is in regards to XXXX accounts that were recently removed from my credit report. This is the XXXX time I am sending out this request. Unfortunately, XXXX of them were disputed in error and must be re-inserted. XXXX were removed on Equifax 's end in error, as only the comments were unverified. Please re-add the following accounts back to my credit report and send me confirmation of this. I continue to receive no reply in regards to this and they refuse to correct this.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I have unauthorized credit inquiries on my Experian Credit report Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NY)

US bank advertises offers for business credit cards on their website and other affiliate sites. On XXXX XXXX 2015 I applied for a business credit card and a week later I received a rejection noticed with the following cited as the cause : " Residence is outside of trade area ''. I contacted US Bank and inquired about what this meant, the representative said that it means they have no branches in this area. I asked why then I get offers from their bank mailed to me. The representative indicated, that if the application had been submitted in response to a " mailed offer '' they would have processed the application, but because I went on their website instead, the application had been rejected. 

I believe that the merchant 's practice is deceptive. When an application is completed on their website they collect ALL my information, including address and phone numbers. If as a bank they do not review applications from customers located outside a specific area, they should not be allowed to send their mailings to such area and they should not be collecting sensitive information without first ensuring the applicant can be serviced by them. ( all it takes is an address script to be ran on their website and for the first information data set to be the address ) Anyway, the public should know upfront if they have service area restrictions, instead of pretending they can serve all areas.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank has misapplied my XXXX XXXX ( XXXX/XXXX/XXXX application date ) and XXXX XXXX ( XXXX/XXXX/XXXX application date ) principle only payments in the amount of {$200.00} each ( {$400.00} total ). I have contacted US Bank Home Mortgage twice, in writing twice, to resolve the issue. The bank has not responded to any of my written requests or attempted to correct their error.
Consumer complaint received 2021-09-02
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. (MO)

On XX/XX/2021, I sent a method of verification letter to Equifax, XXXX  and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

Hello, My name is XXXX XXXX. I am well educated in finance and homeownership .I did go through the 2008 crisis. I do understand the XXXX main reasons the escrow accounts will go up. My issues are if your homeowner insurance is not even in ur loan ... .the city and county taxes have still same. Then why every year does my escrow account go up none of the reasons are ococcurring. I call chase they stated because my insurance and taxes come out at sametime but if i have the money and nothing has changed. It still should not go up every year my modification loan goes up some many years later i have a schedule but the escrow account seem to be a hide out to be robbed. Can someone pleaschange?
Consumer complaint received 2016-07-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

I tried to make an online purchase with my Chase debit card. It was declined 3 times even though I had the funds available. I then made the purchase with a XXXX XXXX, but the next morning the Chase charge went through. I called Chase to cancel the transaction with them, and they have the gal to tell me I need to prove to them I made the purchase on another one of MY accounts in order for them to return MY MONEY to ME. Customer service representative was very rude and yelled at me during my call.
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Equifax has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXX, TX XXXX The incorrect address are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX I requested that Citibank stop mailing me convenience checks on all my accounts out of concern these could easily be stolen and used for fraud. I understand that some time is required to process this request but on XXXX XXXX I received my 3rd promotional mailing from Citibank that contained convenience checks. This is XXXX days after my original request that these items be no longer mailed. Since when I called CitiBank the associated could n't provide me with the policy information around the timing for these promotional mailings to stop I am filing this complaint to first make sure Citibank will no longer mail out convenience checks to me, but also to understand how long Banks have to comply with the consumers demands around unsolicited marketing as that is how I view these convenience checks.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (CA)

Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA.