davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MO)

I opened an account on XX/XX/2021 with Chime online banking. I direct deposited my work check on XX/XX/2021 into the account and bought Bitcoin this last week to try to make some extra money after XXXX had boosted the price. After my investment I wanted to transfer back XXXX dollars to my chime account to pay my bills. They then locked my account and told me to provide verification details like an government Id and utility bill. I emailed these documents to them in jpeg format like they requested. The email was sent on XX/XX/2021. They replied a few minutes later saying that the information wasnt valid and they would be permanently closing my account and can not offer a refund. I asked for more information but got the same response.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KY)

Im not sure the actual date but it was in XXXX I had Chime for my banking and I had a bunch of unauthorized transactions on my account so when I filed a dispute with them they closed my account saying I violated there terms of service when I did nothing then the dispute had been completed with me winning and my money put back on my account but its closed so its still useless and you cant get any one there to talk to you.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Consolidated student loans thru XXXX XXXXXXXX XXXX Employed by a federal Head Start grantee for 7 years. 
Enrolled in student loan forgiveness program sending employment verification signed by my employer that qualified me for the XXXX student loan forgiveness program. 
Never missed a payment in 7 years. 
Recently told there is no record of me in this program.
Consumer complaint received 2020-05-14
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX {$440.00} XXXX  XXXX  XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-05-14
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$620.00}
Consumer complaint received 2022-08-06
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)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

In early XXXX I tried to access my Ally bank accounts online. I received a message that there was a problem with my account and I should contact customer service. I contacted customer service and was told that my account was flagged for fraud because one of my accounts had two owners with different last names. I explained that it was a joint account with my mother and that we were the correct owners of the account ( That is how the account was opened. No changes had been made. ) The person assured me they would make sure I could access my account. 

Yesterday XX/XX/XXXX I tried to access the account again and received the same message. After 3 phone calls I was able to talk to someone who said the issue was still under investigation ( not sure why there is nothing to investigate ) and that the investigation could take up to 90 days.

I asked to speak to a supervisor and was sent to voice mail ( 2 times ). I left 2 messages and no one has called me. 

In the mean time, since this is an online only bank I can't access my funds. I can't even print my 1099-INT to do my taxes. 

Please help me get Ally to unlock access to my accounts.
Consumer complaint received 2018-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of identity theft. I also reported the identity theft issue to FTC. Chase Bank made a mistake and processed a transaction of {$1500.00}, without my authorization, on their own accord. As soon as I pointed it out to them that they made a mistake, by calling them on the phone, they ended a business relationship with me, in retaliation, without a reason. I am a longtime customer with Chase Bank. It appeared that Chase Customer Claims gave me a letter, XX/XX/18, which confirms their misteak. I called Chase Customer Claims, XX/XX/18 at XXXX. 
Chase Customer Claims transferred me to Executive Office at XXXX. XXXX XXXX, XXXX, gave me Case Number : XXXX A Notice of Unauthorized Use of ATM/Debit Card Account was given to me by Chase Bank. And, a response, to Chase Bank, will be given by me.
Consumer complaint received 2018-07-13
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. (MO)

I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

We made an attempt to adopt a dog via an online site that claimed to have dogs available to us. 
XXXX XXXX XXXX The payments were made via XXXX XXXX on XX/XX/2020. 
Upon receipt, the company claimed that the animal was being transported via XXXX XXXX XXXX. Additional fees were requested which we provided again via XXXX XXXX  on XX/XX/2020. 
After trying to track and get the animal shipping status, it became clear that this was fraudulent. We made attempts to contact the " seller '' to no avail. 
We contacted XXXX XXXX  on XX/XX/2020 and they stated that in these types of fraudulent cases, we should reach out to our bank for getting out money back. We received confirmation of this direction on XX/XX/2020. 
We contacted Wells Fargo and after two calls and one online dispute claim, they stated that their system did not have any errors so this is a non-issue. We received official confirmation of this XX/XX/2020. 
Claim XXXX : Investigation Completed. No online form is available. The bank claimed they sent a hard copy, which I do not have. 
Since we did not receive the animal that we were promised via signed contract, we should be able to get our money back.
Consumer complaint received 2021-02-22
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: WELLS FARGO & COMPANY (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/2019, WF CRD SVC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-22
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: BARCLAYS BANK DELAWARE (CA)

I have been in correspondence with their general customer service department and they are not investigating the negative information properly. They are very scripted, and this negative reporting is causing me great stress. I have provided more than enough enough documentation to get this negative reporting removed but they are not looking at the correspondence I have sent. So, I am now escalating this to your corporate office. Please read the information below and update this account as soon as possible. 
I opened this account on XXXX in good faith that I would be treated fairly by your bank. I always pay this account in full and I am never late on any of my credit card accounts. I contacted Barclays Bank and told a representative I was setting up my payment through bill pay with my bank, XXXX XXXX XXXX. The representative told me that they would place my account on a temporary deferment as I was affected by the pandemic with work but if I wanted to proceed with the payment, I could.

My Barclays accounts was set up through bill pay with my third-party bank, XXXX XXXX XXXXXXXX and it was scheduled to be taken out on XX/XX/XXXX. 
Unfortunately, I experienced compromised activity on my bank account with XXXX XXXX XXXX on XX/XX/XXXX. 
I was assured that while my accounts were being investigated with XXXX XXXX  XXXX, my reoccurring charges would be made with Barclays. 
The missed payments were due to my banks error, as they failed to see that I had a payment for my Barclays credit card and flagged the payment " fraud '' and did not make it without my knowledge. 
I have attached a letter from XXXX XXXX XXXX showing that this was a bank error. 
To make matters worse, your company is reporting me 30 days past due when this was supposed to be on deferment anyways. AND this is over a {$13.00} charge!!!!!!!! {$13.00}!!!!!!!!! 
Your institute advised me this would not report back in XX/XX/XXXX but it is still reporting and now it is not being investigated.
Consumer complaint received 2021-10-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

NELNET is violating my consumer rights under 15 U.S. Code Chapter 1692-15 U.S. Code SUBCHAPTER VDEBT COLLECTION PRACTICES.

There are multiple federal violations that the NELNET is grossly violating. I have also submitted an Affidavit of Fact and a demand of removal from my consumer report.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I XXXX XXXX XXXX, am the ORGINAL CREDITOR and extended the credit to NELNET. 

I am holding NELNET is civilly liable for their gross negligence. Attached is a copy affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2020-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

On XX/XX/2020, I received my loan modification paper work, however my wife 's name was spelled incorrectly. We realized this once we went to a notary and they were not able to notarize the paper work due to my wife 's name on the paperwork not matching her Driver 's License.

Called our Mortgage Company, they said they would send a new package with updated paperwork. During this process I continued to make trial payments of {$1000.00} to the mortgage company for three months.

Once they sent me the updated loan modification papers, COVID 19 caused bank branches to close as well as all mobile notary services I called. I called my mortgage company to explain this delay. Finally setup an appointment, got my papers notarize and sent them via XXXX Overnight. 

Then received a letter of denial due to the delay in mailing papers back to LoanCare. They mentioned they I would need to do this process over again. 

I've been trying to handle this for a year now. Sending multiple applications, them denying the loss mitigation application one after another. I just received another denied letter. Filling out another application today but I feel like they aren't willing to work with me. I was already approved and showed I can make my mortgage payments moving forward. I really feel helpless and discouraged, I don't know what's going to happen to my family if we are forced to leave. Please help.
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (KY)

Student Account balance and High APR on student loans and student accounts. I would like to enforce my civil rights act as a student and military dependent. I would like to enroll in limited to zero credit and information sharing as well. Thank you. 



XXXX Bless, XXXX XXXX XXXX XX/XX/XXXX Student Accounts in XXXX XXXX University, XXXX XXXX and XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2018-07-13
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: SYNCHRONY FINANCIAL (IN)

I applied for a XXXXXXXX XXXX XXXXXXXX MasterCard credit card on XX/XX/2018. Card is issued by XXXX XXXX. I was promised a {$45.00} sign up bonus which I never received. Contacted Bank numerous times including XX/XX/2018. They said they will NOT give me the bonus. I believe this is fradulent behavior.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is Equifax making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.
Consumer complaint received 2020-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TN)

I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all LexisNexis information and there is no way that any of the 3 major bureaus or LexisNexis could verify..

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from LexisNexis that is frozen.
Consumer complaint received 2020-08-31
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$950.00} XXXX XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VT)

Rocket Mortgage ( Quicken Loans ) charged me {$500.00} for my consent to proceed 3 days after I applied. They changed the loan amount from {$81000.00} to {$86000.00} without my knowledge or approval. Are they allowed to do that? Can I get that back?
Consumer complaint received 2018-07-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc (RI)

I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AL)

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E )  of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

Summary : Item I agreed to purchase was never recieved. Visa/Chase is requesting that I break the law ( 18 U.S. Code 2320 Section 2 ) in order to secure a refund. I also can NOT be billed for merchandise I never agreed to purchase. 

More info : Purchased item from XXXX XXXX. Item was not delivered. They sent something completely different than what I ordered and later turned out to be counterfeit. After failing to resolve the situation with the merchant who refused an exchange or refund by the letter of the law, I initiated a chargeback. Case XXXX with Chase Bank. 

I have been informed that because the merchant did not get the item they sent me back, that the dispute center will not refund me. This goes against the FAIR CREDIT AND BILLING ACT. Specifically : 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For  the purpose of this section, a billing error consists of any of the following : ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

No where in the FCBA does it state that I am obligate to return items that exist outside the purchase agreement in order to qualify for a refund. The counterfeit item is not what I ordered or agreed to purchase. It exists outside the purchase agreement between myself and XXXX. 

Also, shipping a counterfeit item to return it is ILLEGAL ( 18 U.S. Code 2320 Section 2 ). Visa/Chase/XXXX can not compell a person to break the law in order to secure a refund. 

I am due a refund in full because I did not get the item that I ordered. It is a billing error. Visa/Chase 's obligation is simply to determine whether I got the goods or services I agreed to buy, and if not ( billing error ), issue a refund.
Consumer complaint received 2018-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Account # XXXX To whom it may concern : I am a borrower with a residential loan from Fay Servicing LLC in default.

As for now Fay Servicing Is currentlydual tracking my request for a loan modification, while simultaneously  proceeding towards a foreclosure sale date XX/XX/2018 which I believe is a violation of Cal. ( Civil Code 2923.6 ( c ) - ( d ), Section 2923.6 ( c ) addresses the problem of dual tracking, in which financial institutions continue to pursue foreclosure even while evaluating a borrowers loan modification application.