davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Comenity bank has had their system down for over a month. I have not been able to access my XXXX credit card accounts with them and am unable to view my transactions, check my balance, or make payments. I also have no ability to see if I am being charged late fees due to being unable to make payments on time. I missed due dates on XXXX of my accounts due to their system being down in early XXXX. I have not been able to confirm if those payments have been made or if they have incurred late fees because I can not access my account online. I have not been able to reach Comenity by phone due to their heavy call volume.
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

I've been trying to deal with Navient since before the recent settlement. I was talking to an attorney several months ago and they encouraged me to contact Navient to get a listing of my loans from the first lender up until the current lender. This would include the history of the loans including what organizations and when the loans were sold to subsequent lenders and for how much and then finally to Navient. I also wanted to find out how much each lender along the way received from me and how much I was subsequently charged along the way. 
I tried contacting Navient a number of times but the person on the other end didn't know who I should talk to or how. I finally was able to reach someone on XX/XX/XXXX at the " Department of Education '' who said he could get me this list/letter and this would go out to me within 30 days. This gentleman is named " XXXX '' -- employee number XXXX. When I didn't receive this letter as promised, I tried to get back in touch and was unable to reach him, or anyone for that matter. On XX/XX/XXXX I was able to reach someone named " XXXX '' who informed me that I needed to make the request again through the " Washington Department '' which I did on XX/XX/XXXX. I finally reached a woman who didn't seem to know what I was talking about and was referred to the National Student Loan Database and was then referred to the Student Loan Support Center. There I filed a complaint that was reviewed within the 15 day window and they referred me to CFPB. 
In addition, recently after my Income Based Repayment Plan was due for renewal, I was quoted a monthly amount that was disproportionately higher than what I had been paying last year. From XX/XX/XXXX to XX/XX/XXXX I was quoted various amounts from the young people on the other end of the call, seemingly depending on who I reached. In fact, this seemed to be the case throughout the history of my loans. Depending who I would reach on the other end of the line, the amounts due could be different. " XXXX '' ( mentioned above ) was able to readjust my amount after my wife and I sent in proof of income documents. Throughout the course of my loan repayments, I was also regularly and cursorily offered loan forbearences with a short one sentence, rote request for my confirmation. Apparently I didn't understand the actual terms of these forbearences and was basically trying to survive financially. 
I currently owe over {$270000.00} in student loan debt, despite paying since the 2000 's. Without the information I requested, I have no idea if this is a legitimate amount or not, especially given Navient 's history.
Consumer complaint received 2019-02-21
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)

On XX/XX/2019 resent request to remove XXXX account information that had not been verified/investigated per FRCA. Original creditors ( XXXX XXXX ) admit to not having information regarding account in question.
Consumer complaint received 2022-02-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX  XXXX XXXX.. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX {$420.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2017-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I have submitted documents to Chase 3times to refinance my loan that has been with them over 13 years with no late payments. The first refinance they charged me fees and then denied me for having a Jr lien in an amount of less than 4k .. the second time I sent all my documents then signed the documents they then said the interest rate needed to be higher. They would keep running my credit score each time and then say the documents would be lost or delayed due to no fault of my own. And then they said they needed to run 4 time said I had reached the maximum review and needed to wait 12,  months. They have run down my score and ca n't refinance anywhere else and after all this I am still stuck with a 8.75..interest rate which I am sure they are not so anxious to change. The follow up and follow through, communication is horrible. I have sent communication to them along with complaints and have nothing from them.
Consumer complaint received 2016-06-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/15 I sent a payment to Bank of America for reinstatement in the amount of {$19000.00}. When I spoke to a Rep. named XXXX, in the Credit and Collection division, he said that since it has not been received yet, and I wanted to be absolutely current, I should stop payment on that check, and walk a payment into a Branch in the amount of {$19000.00} bringing me absolutely current to the few days that already transpired from my previous payment. I did so on XXXX/XXXX/15. 
Since then I have been in a payment agreement with the Bank to pay the Periodic Finance charge monthly. I did not receive the XX/XX/XXXX statement, so in XX/XX/XXXX I paid {$1000.00} for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I paid {$540.00} for Finance charge. In XX/XX/XXXX my statement asked for a {$1400.00} payment. When I questioned why, they explained that I omitted XX/XX/XXXX payment, and now also XX/XX/XXXX and also a {$340.00} LATE FEE. 
They said that this late fee is stemming to before my reinstatement. When I said that I was told that I was totally current when I paid the {$19000.00}, but they insisted and I paid {$1400.00} they asked for. My payment on XXXX XXXX went towards the XX/XX/XXXX payment. On XXXX XXXX, 2015 I paid on line for my XX/XX/XXXX payment. All this while I made payment on line, and only for the Periodic Finance charges. I was billed by Bank of America for an additional {$340.00} and when I questioned they said its for late fees. 
On XXXX XXXX I spoke to XXXX, she understood my issue, and transferred me to XXXX, who transferred my to XXXX, who then tranferred me to the Manager XXXX. All with conflicting answers as to why they keep billing me for the additional Late Fee. They acknowledged the receipt of the payment on XX/XX/XXXX which included the Late fee amount of {$340.00} but claimed that they allocated that payment elsewhere and that they have a right to do that!? 
I believe that if I already paid this amount for late Fee, after inquiring what that charge was for and consented to pay it, It should be credited for just that. Charging again for the same is fraudulent. 
On line Bank of America shows the amount due, the periodic Finance amount for current payment due, omitting the Late fee, but the Total minimum payment due does include the same Late fee amount {$340.00}. 
I am continuously paying the Periodic finance charge due. 
I LIKE TO BE IN COMPLIANCE, AND FEEL VERY MUCH CHEATED WHEN THEY DO NOT ACKNOWLEDGE THIS. 
Since the employee that recorded my payment for LATE FEE which was paid in my XXXX 2015 payment inaccurately, they should adjust my account and should read current, without the additional charge of {$340.00} again and again. 
I HAVE SUBMITTED THIS COMPLAINT ON XX/XX/XXXX. but when I called your representative today, he asked me to resubmit, since they could not locate my original. 
THANK YOU IN ADVANCE FOR YOUR ATTENTION TO THIS MATTER, and I am looking forward for Justice to prevail. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Iwas paying a mortgage company called nation star and wasput into foreclosure It was supposed to be service by BAC home lending I would like to know in writing when did XXXX XXXX start servicing the loan and when did she stop in writing. I was told she did not service the loan any more when I called her inXXXX of 2015.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (NY)

I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/year>. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is the company the person took my identity from. 
WESTLAKE FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MN)

SYNCB/Banana Republic Credit Card. I paid this credit card off in full in the amount of {$8600.00} in XXXX of XXXX. At this point, I tried to close the account but was told I could not do that yet. The following month an automatic deduction was applied to the card with out me knowing it. I receive a bill for this amount to my new address. I moved to a different address in XX/XX/XXXX. I paid the full amount. I received another bill which was being forwarded to me from my former address. I then paid the same amount again thus, overpaying. I refund check was sent to me but I did not receive it because by then my forwarding mailing address had expired. I never heard from SYNCB/Banana Republic Credit Card again. I thought the account was paid in full and closed. In XXXX of XXXX I received a letter from this bank saying the account had been turned over to a Collection Agency in the amount of {$410.00} I do not know what or why I owe money on this account. The majority of the amount owed is due to interest on the some unpaid amount. I 've been in contact with this company and trying to resolve this problem. Since I moved and the forwarding address expired I did not receive any documentation from this company until recently. I want to resolve this issue and pay anything that I owe to SYNCB/Banana Republic Credit Card.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (RI)

In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I applied for the Amazon Chase credit card and was declined. A year later an Amazon credit card showed up at my house that I did not apply for. I talked to Chase and they informed me that it was in fact fraud and cancelled the account. I also talked with them at that moment about removing the hard credit inquiry that was placed on my account, this was XX/XX/XXXX. XX/XX/XXXX I was applied once again without my permission. I called them explaining that this was fraud and I did not approve the application. They notated my account and claimed the two inquires would be removed from my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been applied again and again all without my permission. Again I have called to just be brushed off. I decided to try and dispute the inquires with the credit report but ran into a dead end when they told me to deal with the credit card company directly which has n't been working for me. I now have 6 hard credit inquires on my report that are fraudulent and would like them removed by the company. Someone somewhere within one of those companies has my personal information that they are using at their own discretion. I am concerned with how easy it is to access my information.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (TX)

XXXX wires submitted Monday XX/XX/XXXX XXXX. Funds were taken from my account. Thursday XX/XX/XXXX : funds still not sent to wire recipients. Dont know where my money is. Ally cant tell me where it is or when it will be sent to recipients. I believe this is fraud.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??
Consumer complaint received 2021-04-13
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. (TX)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to obtain a Harp Loan for several months, getting nowhere. I checked my scores in XX/XX/2016 had all incorrect information corrected. In XXXX I began my search for a mortgage company. XXXX was the holder of my lien and I was desperate to get out from their control. 
I had previously filed a complaint against XXXX for breaking the law, withholding evidence, taking deceptive measures to avoid being exposed for their culpability in preventing the arrest of this person which lead to my loss of thousands of dollars. 
When I checked my scores a few weeks ago, XXXX had accessed all XXXX credit agencies and added a " Fraud Alert '' along with a statement I made sometime in the last 3 years when I told them if any accounts are accessed again by scammers, thieves, or whatever action resulted in my loss, I would never repay the loss on fraudulent checks again. 
I am amazed they would attempt this soon to wreck my credibility. This is what happens to good people when banks are not held accountable. 
In your report to the OCC you mentioned the high number of complaints against XXXX not giving Executors and family members access to deceased records which is their legal right to obtain. XXXX gets away with noncompliance consistently. What gives them the right to access my credit report and post a FRAUD ALERT on a whim. Could it be they wanted to keep me from getting a refinance in order to keep my loan with them? 
I disputed what they did with Transunion and the comment was removed immediately. 
However, when I received my letter from them saying it was removed, I asked them when it was originally posted and by whom, they said that information could not be disclosed. I found a way to access who posted it but their was no date. I have no idea how many companies read my report. 
Knowing from experience that it does not matter how much documentation you spend your time on proving your case, it really does n't matter, if ever needed, I will provide.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

Gemini Trust Company LLC XXXX XXXX, NY has locked me out of my account worth XXXX plus at the time I tried to access funds of my crypto currency, and cash deposits ticket # XXXX, and will not unfreeze my account. 

I initially had my email account breached so I emailed Gemini and ask them to put a freeze on my account around the XXXX of XX/XX/year>. I was able to remedy the problem with XXXX within hours of the breach and notified Gemini to unfreeze my account. After 50-60 emails later, and 13 days with computers glitching which I made video of I finally was able to comply with their wishes of me making a new email and password changes. But have still had no success in them unfreezing my account. 

I have gotten nothing but the run around and am trying to work with them but only feel I am being put through more delays, and hoops to jump through. Since this nightmare has started my bitcoin has taken a $ XXXX plus drop in value. 

I am an XXXX  living in XXXX  Ca. and this is full on Finacial XXXX  Abuse. I don't know how to make this company start acting like respectable human beings, and to hold them liable for the actions they are committing. Being that they are acting all together, employees and owners they are also conspiring together to bring harm to people financially is just plain wrong, and it needs to STOP!!! As a little self made woman, I find it really hard to understand the greed behind people like the XXXX XXXX, and what must be their company policy to defraud people out of their life savings. They just lost the XXXX XXXX lawsuit which I was not part of in the sum of XXXX XXXX dollars, I cant imagine them wanting to put themselves, and their employees in harms way of committing a felony-XXXX  abuse on top of all the other problems they have on their plate. My account was just a regular Gemini account and I should not have to be going through all they are putting me through. They have no phone support to remedy small issues. 
Thank you for your help to my situation. They have possession of my life savings, and I can not make my bills if they do not release my funds soon.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX  / XXXX / {$280.00} XXXX XXXX / XXXX / {$690.00} XXXX / XXXX / {$2500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).