davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On or about  XXXX   XXXX  I was purchasing something through  Amazon.com. It referenced " linking '' the card to my Amazon Prime account. The ad said if I did this I would get a discount to my purchase or a credit to my account. I applied for and received a new credit card with a {$4500.00} limit. I did not understand that this meant that my annual renewal fee for my Amazon Prime account   would now be charged to a new credit card. In  XXXX   XXXX  apparently it charged my new  Amazon Prime card. Prior to this, my Amazon account automatically debited from another account. I also did not receive a notification from Amazon that my card was being automatically debited, so I had no reason to believe a charge was being applied. Believing that I had a {$0.00} balance on the new Amazon Prime card, I did not pay anything for several months.  The result was in  XXXX   XXXX  I was reported to several credit reporting agencies. I contacted  Chase and disputed the item through  XXXX . Chase ( which runs the Amazon Prime Chase card ) is refusing to fix the situation, claiming that as long as there was a charge on the account, and it was n't pa id, that this is the end of the discussion. I also should point out that I do not live at the address in which the bills were purportedly sent - I live in a new apartment. I suppose that is my fault for not updating my address, but I did not have actual knowledge of the bill. The result of all this is my credit has dropped by  XXXX  points while I am applying for a new job and it could affect my ability to make major purchases, such as a new apartment  in the County where  I am trying to get the new job. I am very upset and I do not know how to deal with this short of suing people under the Fair Credit Reporting Act. I have n't submitted any documents to anyone, but I suppose I could find things to support what I am saying. However, Amazon has most of the documents here. I have now paid the balance, but my credit is busted and it will take years to go back up  XXXX  points. Can you help me?
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (TN)

I opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I  made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. 

This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear langua ge of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is  greater. ''
Consumer complaint received 2017-05-31
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. (WA)

On multiple occasions I 've not only contacted Equifax about inaccurate & erroneous regarding addresses to Which ive never lived in! I have even sent notorized doucments proving that i didnt live at the address, supposedly those addresses have been deleted but yet the remain on my Equifax credit report. This hinders my chances of obtaining credit, verifying who i am when i apply including getting turned down because of this. Please inform Equifax that im now seeki ng Legal Consumer Protection Council if this inaccurate information stays on, and that i will seek Legal remedies via Lawsuit. attached i have provided dispute results from Equifax and Todays File which still shows the Supposed '' Delet ed Addresses ''.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KY)

I attempted opened a Citi bank account on XX/XX/2021. They closed my account immediately after receiving a direct deposit due to fraud. They would not or could not tell me what the issue was. I banked with this bank before, and my account was compromised. I called then to solve the issue, and the account was closed due to fraud with absolutely no help to me or my personal info that had been compromised. Since that has been a few years, I figured they may have gotten better as a bank and decided to give them a second try. Well, I guess I should have thought twice about it. Because here it is a month later and I am still getting text alerts that money is still in a account that I can not use or have access to. I called about this the first time around XX/XX/2021 and was told that they are closing my account and will send my money by check in the mail. After constantly receiving these text alerts, I have yet to get my money. On XX/XX/2021 I decided to call again. They asked me questions to get into my account. I answered everything. My mothers maiden name, my full social, and my full name. They said my info was incorrect! Like I could really mess up my personal info! Smh! So they wouldnt allow access for info unless I had a debit card or account number. Which I shredded after being told the account was closed. Thank XXXX I screenshot the account info when I first opened the account, because if not, I wouldnt have gotten anywhere. He goes into my account and says its a fraud block on the account and it says its being processed to be closed. Considering the fact the account wasnt open a week, Im not understanding why its taking so long for this account to be closed. At this point Im asking if there was anyway I could upload a picture ID along with my social security card. I was told no. This is ridiculous and I am not understanding how a bank that claims they want to make sure theyre customers are taken care of, arent being taken care of. First of all, how are you holding someones funds that came from a direct deposit? Make that make sense! I can not believe I am going through this for a little {$200.00} that I forget about until I get the daily text alerts around XXXX.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

Regarding my XXXX Chase Credit Card, Earlier this year I transferred a balance from one credit  card to the XXXX Chase Credit Card at 0 % interest for 12 Months. A few months later I had to make some purchases on the credit card at the normal interest of 23.99 % APR. 

Over the next few months I started to notice the payments I was making, may have been applied partially to the balance with interest and the amount that had 0 % interest from the balance transfer. 

Before overreacting, I called Chase XXXX to determine if my payments were being applied to the balance with interest and not the balance without interest as indicated in the agreement. The customer service representative assured me that all payments made to my balance are first applied to the portion accruing interest first, then if that is paid off the remainder will start to be applied to the portion that has 0 % interest. 

To ensure this was happening here are my last two statements ; the most recent statement shows a XXXX payment made to my account in XXXX. 
On XX/XX/XXXX Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$5700.00} {$110.00} Cash Advances 26.74 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer 23.99 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2800.00} XXXXXXXX XXXX  Statement shows the following payment structure : Previous Balance {$8500.00} Payment, Credits - {$3200.00} Purchases + {$41.00} Cash Advances {$0.00} Balance Transfers {$0.00} Fees Charged {$0.00} Interest Charged + {$84.00} Total Remaining- {$5400.00} In the following pages on the statement, this is the breakdown of my charges. 
Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$4100.00} {$84.00} Cash Advances 26.74 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer 23.99 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2500.00} - XXXX - So if all payments made to my account are first applied to balance 's with interest, shouldn't my total balance with interest be shown as {$2500.00} instead of the higher priced {$4100.00} as shown above?
Consumer complaint received 2017-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (IN)

I filed bankruptcy in  XXXX   XXXX . My bankruptcy was  discharged   XXXX   XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday  XXXX / XXXX / XXXX  there were  XXXX  collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (RI)

XXXX / XXXX /  XXXX    CREDCO   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear language of the law.  15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

I reached o ut to CitiMortgage o n  XXXX / XXXX /   17  to make a bi-weekly payment on my mortgage and to stop the automatic draft that was to come out. This was initiated due to there being  a 50k pl us hold on my checking account. I did this for the next several weeks up until  XXXX / XXXX /   17  when the hold on my checking account was finally removed . CitiMortgage never did st op the payments from being drafted per my request when I made them over the phone for the next several weeks. I acquired numerous fees, some of which have been removed. I sent correspondenc e to CitiMortgage regarding  payments missing from the account on  XXXX / XXXX /   17  and sent them proof of them, but I have yet to have had it resolved. When I corresponded with people on the phone, they could not even match up the payment history that I printed from there website with what they were using. To make matters worse, I received a letter from them on  XXXX / XXXX /   17  saying they were removing me from the equity builder that I had been in  since the 90s per my request. I had not requested this since the lien had been removed from the checking  account. They would not do it when I had asked to stop the payments. I am not yet trying to be put back in the program and am making payments over the phone. I still have yet to have all of my payments credited to the account and no one has addressed the concern faxed to them on  XXXX / XXXX / 17 .
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (OR)

XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

Applied for loan with  XXXX  and was denied due to the following reason : Unable to verify personal information or identity.   
The credit reporting agency is LexisNexis Risk Solution Bureau Consumer Inquiry D  epartment  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  Toll free number  XXXX  I have never heard of this agency and can not get my report because they can not verify my identity. I do n't know where they get their information from but how do I get this corrected? I ca n't verify it is me according to them to fix the information that I am denied for. When I enter my ss to request report the recording tells me it is incorrect.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I am contacting your agency after attempting to resolve this matter with TRANSWORLD SYSTEMS INC and disputing with all   XXXX   credit reporting agencies. When I initially found out that TRANSWORLD SYSTEMS INC was reporting negatively on my credit report it showed up as  XXXX  account. After I dispute the item TRANSWORLD SYSTEMS INC turn around and add a   XXXX   collection negative item to my credit report for the same exact amount of  XXXX . I have requested that creditor validated validity of this debt by provide with copy of sign service contract and Identification on individual services was rendered to.
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: LJ Ross Associates (TN)

On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : XXXX ).
Consumer complaint received 2016-07-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

A few years ago I purchased a 2008 XXXX XXXX from XXXX XXXX in XXXX, Illinois. The finance department obtained a loan from Ally Financial for the amount of XXXX after tax title and license. When I attempted to trade the vehicle into a different dealer I was told that because of the title issue prior to my purchase the vehicle was worth XXXX. When I complained to Ally Financial asking how could the insufficient vehicle as collateral for the loan. They stated that LTV was negative yet they authorized the purchase price therefore I would have to pay the debt over a 6 year period which would cost me {$44000.00}. I requested a refinance and they stated that I would have to pay the inflated amount for 3 years before a discussion could be pursued. XXXX XXXX misrepresented the LTV and Ally Financial paid them versus doing sue diligence and me as the consumer is left holding the responsibility,
Consumer complaint received 2017-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loan  Care, LLC,   XXXX   XXXX   XXXX ,   XXXX    XXXX , VA  XXXX  Re : Loan  XXXX  Loa  n Care had fabricated ( 1 ) a payoff, ( 2 ) a delinquent and ( 3 ) a default all at the same time ; whereas evidence indicated none of the above is true.
<P/>
My record also indicated that Loan Care has mess-up of the same mortgage account about a year ago, and dragged long enough to correct it. When the mess-up was cleared you had irresponsibly posted a derogatory on your customers credit file for the mistake you initiated.
<P/>
It is apparent that Loan Care never service their customers account seriously and professionally.
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The attachment will give a full of the complaint.
Consumer complaint received 2017-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

To Whom It  May  Concern : O n    XX/XX/XXXX  I got  a letter in the mail from  XXXX   XXXX  at the time that notified me that I had been approved as a cosigner for my cousin for {$4500.00}. Who was going to college in  XXXX ,  XXXX  to become a   XXXX   XXXX  . I told my cousin at the time that I normally do n't cosign for anyone for anything. She came to me as a last result because her mother could n't cosign for her because her bad credit. She needed this loan to help her finish getting her degree. I told my cousin that I live on a fixed inco me ( SSI ) fr om month to month and that I value my credit history. That I would agree to be her cosigner only if she paid her loan payments every month on time. That she would n't do anything to mess up my credit while she was paying off her student loan. Since  XXXX   XXXX   XXXX  sold my cousin 's account t o Navient. I ha ve also had a child in  XXXX  who has special needs so I really stay on top of my cousin paying her loan payments. For the past 2 months my cousin has been late on her payments or have n't paid her full payment but paid something on what she owe. My cousin in the past has been normally very responsible about paying her bills. Each time Navient call me or mail me something. I call or text my cousin and sometimes even send her picture text o f letters of Navient  threatening my credit and turning account over to collection agencies. I ask my cousin is there anything going on with her finances and t hat Navient  offers deferred payments if she needs help or to just call them and make a payment arrangement . Navient has been harassing me for a little over a week now. Navient calls my home  phone everyday even on Saturday and Sundays. They call back to back  up to 7-8 times a day  everyday, as early as    XXXX   XXXX   XXXX   XXXX   XXXX    and as late as     XXXX   XXXX   XXXX   XXXX   XXXX  . I have talked to  Navient  representatives a few time when they have called so much and explained this same situation to them. They tell me that they 'll stop calling me and give me enough time to talk with my cousin so that she can make a payment but they do n't. Some  of Navient representatives have had nasty attitudes, have been pushy, and unsympathetic. Navient ha s been threatening on the point of blackmailing when it comes to reporting this on my credit history and turning it over to a collection agency. I 'm trying to keep anything n egative from Navient fro m going on my credit report unnecessarily. I pay my own bills on time and I need my credit to stay in good standing in the event I need to get something for my child who has special needs.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MD)

I have been having a hard time getting in contact with anyone from XXXX XXXX in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?
Consumer complaint received 2016-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and XXXX contains 8 late payments on my NAVIENT
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

i was trying to open a new credit card account and equifax has a freeze credit on the account, i dont know why. i tried calling equifax about the issue and they can't find me in their system so i have no idea where to get the help.