davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

On XX/XX/2020 I called the customer service line for Citi-Financial, my best buy credit card. I knew I had promotional balances expiring in XXXX of XXXX. 

It took me nearly an hour to find out how to make a directed payment to these particular balances, the web site is convoluted and difficult to navigate when one is trying to pay-off one of these balances -- the user is instead repeatedly sent back to making a general payment that does not apply directly to the balance you are trying to pay-off. So you search and search to end up calling the customer service line, the only way one can make this type of directed payment. 

I called the number, requested a pay-off quote for all balances expiring in XXXX. I received a quote from a customer service rep for {$350.00} and I paid this amount on the phone at that time. 

About a week later, I received a notification that I had a promotional balance about to expire in the amount of {$.00}. This particular purchase had been made in XXXX of XXXX  and would have carried with it a penalty of a year 's worth of interest, surprisingly, the balances with lesser interest to be charged were paid in full as requested. 

I want to warn the American people of despicable practices such as this being perpetrated against the American people. This is a crime, it is fraud. It is fraud being perpetrated across state lines via the use of Federally regulated phones lines. It is the type of crime that people don't have the time or resources to fight back against. 

My name is XXXX XXXX. I can be contacted at this address or by phone XXXX XXXX XXXX XXXX at any time to provide any documentation you may need. 

XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

In my XXXX Credit report I can see 2 hard inquiries that are not true ... I need to make Chase or Amazon to removed that inquiries, how I can do that. Please Help Jpmcb - Card Service Inquiry from XX/XX/2019 National Credit Card Cos. 

Jpmcb - Auto Finance Inquiry from XX/XX/2019 I did not apply or ask for a new loan or credit card or anything in those dates. 
I don't now why they ran my credit. 

Thank you
Consumer complaint received 2020-07-23
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. (FL)

XXXX XXXX XXXX  insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PlusFour, Inc (NV)

There is an incorrect " Collection '' on my credit report from XXXX XXXXPLUSFOUR collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted PlusFour on XX/XX/XXXX and XXXX  to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX  had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told PlusFour that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. PLUSFOUR refused to remove it. XXXX  also refused to remove it. 
XXXX* PLUSFOUR stated 2 DIFFERENT AMOUNTS -- $ 110.00+ and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I was selling a bedroom set on XXXX on XX/XX/2021 XXXX  reached out to me via XXXX  about buying it she stated My company just posted me to your neighbor hood due to job promotion, I am moving in soon but i would like my movers to pick up the Item so they can take to my new house prior my arrival. If that's okay by you. She also stated My Husband really likes it, and the price you're requesting seems reasonable. I'll be paying with a Certified Check, Once you receive and confirm the payment clear in your account, Then i'll have my movers come to pick up the item Would take you for your word that it's in a good condition. I asked her Okay, and just to make sure you know were located in XXXX Nevada she then stated I will send to your email full FRONT copy and BACK copy of check to your email address So you could deposit it Via Mobile app while you take the pic from the printed check when it ask you to take pics of the check as its simple, save and secure and pretty fast and I will also have my banker process, verify and clear the funds and you should have amount in your balance. Do you have access to a printer? She continued to send me a fraudulent check with someone else name on it which I didnt know was fraud until my bank had ran the check after it was deposited and payments had been paid back to her because she decided she wasnt moving down here for work one payment or {$1100.00} was made out of that check to the Movers that were going to be moving her items. Hello, XXXX There is a change of plan, I won't be moving until next six months for some official reason from work. Will leave {$100.00} to you for the stress I made you pass through and your time. Kindly help me refund the {$350.00} through XXXX  today when you're less busy. Then the second payment made back to her was the {$350.00} for her refund. The check total she paid out to me with the fraudulent check was {$1500.00}. I have all messages and pictures of checks and payments between me and her. I spoke with my bank as soon as I figured out it was all fraud and got all my claims filed. They told me that they reached out to the institution to let them know of the scam and that there was nothing else they could do for me I was told from my bank We're stuck waiting for an answer from the bank that the payments went out to. I told her you guys need to reach out again and get an answer. She said they can only inform them of the scam attached to those payments then they have to wait for a reply I asked if there was anything else we could do to get the money back and get my account positive since it was fraud. She stated no I wasnt sent anything from the bank stating that my claims had been closed and that they had a resolution already. I was told that today by the banker I spoke to after being transferred 4 times to different departments
Consumer complaint received 2020-07-23
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK (TX)

My daughter received an invitation in the mail from Discover to apply for student loan. When she applied for the student loan for XXXX school year, Discover denied her and then requested a co-signer in which my wife and I agree to co-sign. Discover denied both me and my wife as well. Discover is penalizing us for receiving credit counseling services and for accounts that was paid off through this program.
Consumer complaint received 2020-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CUSO Home Lending (ME)

Mortgage account is to be paid by person residing in home, since I was evicted. I last made payment in XX/XX/XXXX, due to being on fixed income ( VA, SSA ). Mortgage company has not contacted me in regards to late payments, albeit I am listed as first placeholder on the note. I contacted the mortgage company in XX/XX/XXXX, in regards to the lack of communication from the mortgage company in regards to the account being late. I was informed that I was " refusing to pay '', when I never stated those remarks. I was informed back in XX/XX/XXXX, I would be contacted in regards to late payments, and/or any other changes to the mortgage. I received a call in XX/XX/XXXX, in  regards to a " forbearance agreement '', placed on the mortgage. I was informed the agreement was ending at the end of XX/XX/XXXX, to  which I never applied for a " forbearance agreement ''. Also, I was informed by the caller only when the terms are modified, should all parties be contacted. I attempted logging into the account on XX/XX/XXXX, and was unsuccessful ( see runtime error attachment ). I was able to reset my browser settings, logged in, and noticed the mortgage terms changed from XX/XX/XXXX, to XX/XX/XXXX. I WAS NOT notified by phone, email, letter, etc., in regards to the terms being modified. I may not be residing at the property address on file with the mortgage company, yet since it is being reported to my credit reports, it is of high importance to me any late payments, change of terms ( deferment, forbearance ) be brought to my attention from the mortgage company. The actions by the mortgage company is very unacceptable.
Consumer complaint received 2022-08-20
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: Checkr, Inc (KY)

A extra last name is on my background which is causing a accuracy about my identity and my livelihood please remove the extra last name I provided my first certificate my driver license and my high school diploma to prove that I dont have two last names
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (NJ)

This is my second complaint against XXXX XXXX and its practices. The second complaint is that XXXX XXXX still hasn't updated our credit with the three major credit agencies XXXX, XXXX and XXXX. There records don't show any updates or record of mortgage payments made. XXXX and there Corporate Staff Attorney wrote to an investigator from the XXXX XXXX XXXX and XXXX stating that XXXX sent notification to the credit agencies and to let 15 days pass from XX/XX/2022 so the agencies can reflect the adjustments to my mortgage payments made. In other words my credit should show current and not delinquent. I was surprised to hear that my credit is still in negative standing. Once again irresponsibility on XXXX 's part this is unbelievable, unprofessional and unethical. Fighting to keep my home as they never processed the payments right, and threatening us with foreclosure and with the help of the CFPB and the XXXX XXXX XXXX XXXX XXXXXXXX it was all taken care of. I know through experience this takes time to take care of but time is of the essence, I have XXXX loans to apply for and other personal matters that my credit needs to show that I was always current. XXXX has failed to show proof after they sent me a letter stating that they did. I need this resolved!! 
Thank you once again XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

Hello - I have a credit card account with Chase Bank. It's a Sapphire Preferred card and I use it often and pay it off each month. As a customer, I've received several emails lately inviting me to apply for the Chase Freedom card ( no annual fee and {$200.00} credit when making at least {$500.00} in purchases over three months ). I didn't apply because I don't need a new card ( and wouldn't want an inquiry on my credit report when I don't need to apply for new credit ). I logged in to my  regular account today ( XX/XX/20 ) and saw on the right-hand side of my screen that I had been approved for this new ( to me ) Chase Freedom card. I was surprised because I'd never seen that language before - that I was approved ( without applying for the card ) ... not that I was " pre-approved '' ... but " approved ''. Now I was interested because I presumed ( turns out incorrectly ) that I was approved for this card and that should then mean no hit to my credit by way of a hard inquiry. So I  clicked through ... confirmed some info and clicked on the button to submit the info. I was taken to a screen that said my application was under review and I would receive a card in the mail in XXXX days if I was approved. I immediately received an alert from XXXX also stating that I have a new hard inquiry on my report from Chase that will stay on my credit report for 25 months. I know from past experience that anytime you don't get immediate approval you are not approved. So now I am here without the card ( even though it said in my account that I was APPROVED for this card ) AND a hard inquiry - which is what I am truly upset about. I tried calling the company and was on hold for 17 minutes before I was told that she's sorry she can't give me the answer I am looking for but that any time you apply for credit your credit report is  pulled. And that I should have clicked on the terms and conditions to see this ( incidentally, this type of info should not be buried in a terms and conditions section you have to click on ). I explained the entire thing again - that it said I was APPROVED already, not PRE-approved, and that I just submitted/confirmed info. Nowhere did it say I was applying or that I was getting a hard inquiry on my report. I'm not an XXXX - I have an extensive credit file and good credit, so of course, I know that you normally would have a hard inquiry if you were APPLYING for credit. But this said ( as I was logged in to my current account ) - that I was actually approved for this card. Again, I do not care about getting this card - I just don't want the hard inquiry - would've never put the info in if I had known.
Consumer complaint received 2021-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I reach out to my mortgage company New American Funding about my financial hardship they advised me to fill out a ( RMA ) Request for Mortgage Assistance Application, I sent in the application XX/XX/XXXX and I was ( Denied ) for all work out options. 
I tried calling XXXX XXXX left several messages and their was no response back, I was able to speak with a home retention supervisor to get a explanation on the denial, she disclosed to us the Loan Modification was denied because I had a previous Loan Modification within the past 24 months, she advised that if I would like to fill out and send another ( RMA ) I would be past the 24 month seasoning period and she said they should approve your modification basis on your facts. I sent another ( RMA ) in XX/XX/XXXX and I received another denial letter for all work out options. Under the Loan Modification column they checked off ( Other ) with a explanation that was not fully completed. We called on XX/XX/XXXX to get a explanation on the denial we reach out to XXXX XXXX no answer on her direct line, we spoke with a agent at home retention department he explained to us the Mod. was denied for having a FHA claim paid with 3 years. That does not disqualify me from obtaining a loan modification according to FHA/HUD guidelines, FHA/HUD guidelines are 2 years seasoning period.
Consumer complaint received 2020-12-05
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-07
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)

all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX  XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2020-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

Navient has been reporting so many outstanding accounts and balances to all 3 credit bureaus, XXXX, XXXX and XXXX. I have reached out to Navient on several occasions to find out why my balances continue to reflect negatively and continue to increase drastically. I received an alert from XXXX XXXX that my score decreased because of this. When I contacted Navient, I was told that my account was months past due for nonpayment. I asked when the account went into repayment status and why I wasn't sent any notices in the mail. They advised me that they'd been sending everything via email and calling the references listed on the account. I advised them that legally, they were supposed to contact me via US Mail as well. The rep confirmed that they could see that I hadn't signed into the online Navient portal in over 5 years. I requested that they remove all other names, phone numbers, emails and contact methods that they had listed on the account for me. I asked them not to automatically add any additional phone numbers that I might call from without my permission. I asked them to only send correspondence related to my loans to my mailing address. I requested that they send me all of my loan accounts and the originator of the loans. I asked them to send me all loan contracts that had ever been initiated with them which includes the school, start date, amount and terms. I asked them what my options were for forbearance, hardship and deferment. They ignored all of my requests and continued to send correspondence via email even though I advised them that I didn't have internet service at the time. They started harassing and calling everyone 's phones who I had previously contacted them on even though I told them that I didn't have active telephone service at the time. I also told them that the numbers that I was calling from was not my numbers and not to add them as contact numbers for me. They have not sent the files for my loans. They denied my request to start hardship deferment. My rights and requests were ignored and violated. Every time I call them, they add the phone number to their contact list and begins to harass and call the person 's phone as early as XXXX XXXX  and as late as XXXX XXXX. They call more than 3 times per day.
Consumer complaint received 2020-05-07
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)

My XXXX XXXX XXXX  accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.