davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (MI)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts I have filed many disputes and have called many times trying to get this fraudulent account and six fraudulent inquiries removed. And I have had nothing done. I also have the police report number. 

Accounts & inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Consumer complaint received 2018-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

In XXXX or XXXX I borrowed from XXXX XXXX so that I could attend college. Since going to school on and off trying to figure out my path, XXXX XXXX informed me I had used all of my allotted forbearance and I had to make payments. They would not help me lower my payments and I just couldn't make them. My account went delinquent, and about 5 or so years ago they got switched to navient. I never signed anything for navient to take over. Keep in mind that what I owed XXXX XXXX doubled in 6 yrs with interest, which is a crime in itself. I have worked with navient I pay an amount i can afford but I have called many times and the settlement is too expensive and not to mention I have problems with my credit because they will not take the account out of delinquent status even though i have never missed a payment in the past 5 years! At this rate I may never pay off this account, or get it off my credit history! I need help.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

Applied for a Lowe 's credit card ( Synchrony ) and although I don't actually need it I feel disrespected by their made up " XXXX XXXX ''. I know for a fact my credit is in the very good/excellent range. They failed to take ownership and claimed/blamed it on the information recieved from the credit bureaus which I monitor constantly. After analyzing the situation I realized that whenever these " companies '' do this type of thing the normal reaction will be to and try to see if there are some derogatory marks or try to get the XXXX XXXX XXXX. You would think that's an easy task? Yeah as long as you're willing to " verify '' ( provide enough information to be scammed XXXX and of course pay something XXXX free trials, sure ). 
I feel it is a shame and it's basically disgusting to me to see every single financial institution trying to collect as much liquid assets XXXX at least for a short period of time ) during a XXXX and XXXX crisis. In example XXXX XXXX XXXX taking back millions in claims for 90 days without a valid explanation or even gas stations " holding '' hundreds of dollars at a time for several days. Beware and try to take advantage of the very few actually free services that are left still. 
I am not interested in the stupid card but would like to see transparency or a made up score that ACTUALLY reflects my credit history. My credit has Not been below XXXX EVER.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX XXXX I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied XXXX with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX to pay them off and still reporting inaccurate information.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

XXXX held my loan, I applied for deferred payment for several years and had requested information concerning forgiveness through my employment at a non profit hospital. XXXX refused to help and never disclosed the information about forgiveness through my employment. I applied for a VA loan with my veteran husband in XX/XX/2018. I was told I needed proof of my student loan repayment and was told to reapply for my income driven repayment plan. It was also suggested by my mortgage broker to apply for the nonprofit employment forgiveness program in which I did. I received a letter stating I was being processed for this program and assumed XXXX would contact me about further developments on my applications. I received emails from XXXX when my income driven application was received and when it was approved. I moved into my new home in XX/XX/2018. During my move I did not receive any further correspondence with XXXX. Then in XXXX I received a bill forwarded from my old address from XXXX. I had never heard of this company nor been notified about changes in my loan account. I called and spoke with a representative and questioned what was happening as I was sent a bill for an {$800.00} payment and a message that stated I missed the income driven repayment deadline. I was told XXXX sold my account and did not forward any income driven application or information of my application from XX/XX/2018. I have sent numerous emails and called XXXX. XXXX has not responded to any of my emails requesting they validate my application from XXXX so XXXX knows I applied then. My last phone conversation with a XXXX Representative I was told the {$800.00} bill would be removed from my billing and the new application was accepted with them for a {$120.00} payment. I received another email requesting the {$800.00} and a message stating my credit report would be marked negatively by this inability to pay the amount of the first bill they sent. I can not pay the {$800.00}. I have been treated unfairly by XXXX and XXXX. I will continue to persue help with this as I have done nothing wrong and been diligent in taking care to apply for income driven repayment as I am on a fixed budget. Please help me resolve this. I had XXXX  XXXX and was on FMLA from  XXXX XXXX XXXX and unable to fully deal with this stressful situation due to my medical issues. I would like to file a formal complaint against XXXX with student loan.gov for not informing me of the opportunity to apply for and receive forgiveness by working for a nonprofit hospital and not forwarding my application for income driven repayment I submitted to them XX/XX/2018. I need XXXX to correct my account and not make it out to be my fault Navient didnt send all my application information to XXXX.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/XXXX I made XXXX worth of purchases on Coinbase, the XXXX was withdrawn from my XXXX XXXX XXXX savings account. On XX/XX/XXXX I received automatic emails from coinbase statement my transfers failed, but they had intact come out of my bank account. I submitted 3 tickets with no response. I then had my account liquidated for XXXX. I disputed this with XXXX XXXX XXXX and now im getting emails saying I have more failed transfers. No customer service phone number and they don't answer tickets.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, Corelogic, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I closed my account because of the way Citi card handled a missed payment. I am XXXX years old and sometimes miss a payment date because of absent mindedness ( I always pay my account in full ). I tried to use my card and it was declined ; so, I called the company to see why and was told it was because I hadn't paid the bill. Well, when I told the rep that having my card declined was very embarrassing that person 's response was quite XXXX and XXXX and in a fit of pique I cancelled the card ; the agent said fine. Several days later I received a {$660.00} check which I have not cashed. 

I called the company to ask what happened to the the rewards on the over {$13000.00} that I paid shortly after this conversation, none of which was overdue. I was told that when I closed the account, I forfeited those rewards. I asked for documentation to support this policy, that I must have signed in order to open the account. I was told that I could not have that. The person told me that that policy was explained to me by the agent who closed the account at my request, not so. I asked for the recorded record of my call and was told again that I could not have that. I would not have closed the account had I known of this policy and simply would have not used the account until after my rewards were paid.
Consumer complaint received 2022-10-05
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: WELLS FARGO & COMPANY (WA)

This complaint is against the XXXX XXXX ( hereafter referred to as XXXX XXXX regarding a rent payment to XXXX XXXX XXXX XXXX ( hereafter referred to as XXXX ) that I was already off the lease with when the payment occurred. I believe it is an unauthorized payment that XXXX is unwilling to dispute / revert for me. 

On XX/XX/2022, XXXX 's property manager, a new tenant, and I signed a " Change in Roommate Amendment '' for me to transfer the lease out to the new tenant. Clause 4 of it explicitly stated that It is agreed that XXXX XXXX ( vacating resident 's name ( s ) ) ( hereinafter " Vacating Resident ( s ) '' ), shall be released of all responsibility under the Lease as of XX/XX/2022 ( attachment 1 ). 

On XX/XX/2022, in preparation for my move-out, I paid the remaining balance of {$200.00} with XXXX to XXXX ( attachment 2 ), and then changed my home address on XXXX rent payment setup from XXXX to a new address. On XXXX app, it states that my new landlord isnt currently set up to accept the XXXX XXXX directly without fees, and offered several options to set up, so I assume this is sufficient to cancel the rent payment to XXXX. 

On XX/XX/2022, I received a payment overdue email from XXXX. This is when I realized XXXX had failed to terminate my account and associate the apartment unit with the new tenants account. To avoid any payment, I canceled all autopay setup and deleted all my bank accounts from XXXX account ( attachment 3 and 4 ). 

However, on XX/XX/2022, I received an email from XXXX saying that my rent payment was submitted for an amount of {$1800.00}, which matches the overdue amount ( attachment 5 ). 

I called XXXX customer service immediately. The agent told me that since I have been paying for the same landlord with XXXX since XXXX, if the landlord manually charges me on my XXXX card, XXXX  will authorize it, and the only thing I can do is to ask for the money back from XXXX ( attachment XXXX ). 

I dont believe this is how credit cards should practice. I have done everything I could ( except for closing this credit card ) to prevent the payment that I am not responsible for from happening, by changing my payment setup address on XXXX canceling autopayment, and deleting all bank account information. All these are clear instructions that this rent payment is not authorized. Further, after providing all the details during the customer service call, the agents argument sounds to me like since youve been paying them, we will help you to pay them if they ask for it, even if you dont agree.
Consumer complaint received 2018-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Moneytree Inc (CO)

they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

1. Asked for " Reinstatement of Mortgage, '' dated XX/XX/XXXX from Chase, XXXX. XXXX XXXX, XXXX, Ohio XXXX-XXXX. Total amount to reinstate the Mortgage Loan, as of XX/XX/XXXX, was {>= $1,000,000}, good through XX/XX/XXXX. Also included was a written warning indicating if the above amount could not be paid in its entirety, the amount may increase because of additional interest, fees and costs, including those related to foreclosure activities, Chase Insurance, property inspections and valuations.

2. RE : the {>= $1,000,000} : It is our, ( Borrowers ' ), contention that Chase has built in fraudulent costs PRIOR to foreclosure which include attorneys fees, improper insurance fees, ie : Wind, attorneys fees, corporate advances and other fees.

3. The above noted improper fees have been compounding over the years resulting in a fraudulent improper result/total which is NOT the actual amount owed on the Mortgage. 
4. Further, the Mortgage which was taken out in XXXX and it has remained at 6.5 percent wrongfully compounding to present date. The Borrowers diligently attempted to have the rate reduced to three percent, or less, when that was the going rate during the following years from XXXX. 
5. The Borrowers have consistently pursued " Short Sales, '' but at every turn was faced by the Lender with the Offering price for the house reasoning it was insufficient, late, or the " T, '' wasn't crossed, or the " I, '' wasn't dotted properly. 
6. Chase was giving lip service to the possibility of saving the house, but never was sincerely interested in helping the consumer, particularly as XXXX XXXX proclaimed in one of his speeches. 
7. This Borrower is not eligible for " Chase Modification with Principal Forgiveness, '' because Lenders could not create an affordable payment without changing the terms of the mortgage beyond the " modification 's program 's requirements. '' 8. If XXXX XXXX professes to want to help the consumer then why couldn't he instruct his managers to go the extra distance and try to modify the mortgage program 's requirements which would include lower interest rates, instead of returning boilerplate rejection? 
9. The Borrowers have documents and letters of support for their contentions, but do not know how to download these papers.

10. The Borrower, Husband, is a XXXX XXXX, XXXX  years of age with serious XXXX problems for which he just came out of the hospital. 
11. The Borrower, Wife, is late XXXX and is a three times XXXX XXXX XXXX. 
12. There was a one year hiatus when the Bank after a five year period improperly went back for a third bite of the foreclosure apple and was so rewarded which should result in an investigation.
Consumer complaint received 2021-03-01
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-08
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. (TN)

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, collection accounts that reports an open account status. {$0.00} balance owed accounts that reports an inaccurate account status and payment status. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (SC)

I have the same qualifying PSLF employer since XXXX and have submitted Employer Certification Forms Thru XXXX. My student loans are all consolidated with a unified disbursement date of XXXX. Never in default or nonpayment- either payment with a wrong qualifying payment ( as advised by my loan servicer ) or in extended ( +36 cumulative forbearance as advised by my loan servicer ). I have only been credited for 2 PSFL payments. This gross delay ( almost a year ) in publishing ACCURATE payment counts is causing undue mental stress and harm. Can not something be done to receive an accurate count? I firmly believe I am at the 120+ payments on my XXXX student loans.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (PA)

Statement of a checking account opened in my name with : Comerica Bank, This is fraudulent, I did not open an account, don't know anything about this bank. 

Also received a letter from XXXX XXXX XXXX XXXX XXXX XXXX of a closure of a deposit account which I never opened and never had any dealings with this bank.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I received an deposit of {$12000.00} from the SBA government agency on XX/XX/XXXX  to my PNC Checking account and on the next day on XX/XX/XXXX  they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for 3 weeks. I called PNC customer service 4 times on XX/XX/XXXX  and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX in XXXX, FL and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the SBA agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. It has been 36 days now and the company promise it will be done in 30 days. I have called every day since XXXX/XXXX/XXXX  to speak with XXXX XXXX at PNC Client Relations department and she have not told me anything and she is rude every time I call her. She refused to work on my case and no one have provided me date on when my money will be sent back to the SBA government agency or a reason why my money was held in the first place. I need this resolve asap now.