davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I am paying additional principal each month on my mortgage w/ Wells Fargo Home Mortgage and have been for years. Now that COVID is happening they are not applying my additional principal towards my mortgage as I have requested each month, paying over XXXX additional, and they are just putting it in an unapplied funds limbo. They will not fix it and will not call me back. They removed the option online as well to pay additional principal so each month you have to call in the payment. They have hung up on me when I have called and have been no help or the phone goes dead and no one calls me back. I have been treated very rudely also and I need help. I pay my bills on time and this is terrible business. Something sketchy seems to be going on and I'm frustrated trying to get my principal down and the company is doing this to me. Please help!
Consumer complaint received 2023-01-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ).

I attached my consumer report as evidence.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (KS)

After speaking with XXXX and being threatened with jail, I am still suffering from this account being on my credit report. I have never done any sort of business with Elan Financial.  I have told them several times that the account does not belong to me and they insist on continuing to report to the credit bureaus that this account is accurate.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

US Bank approved my loan modification agreement on XX/XX/XXXX This began a three month trial period in which each required payment of {$2600.00} was made on time. During this time the Bank notified the Credit Bureus that my payments to the original mortgage were not being made which lowered both my wife and my credit score by XXXX points! 
I was never informed this would happen and only found out checking my credit. The loan modification approval happened on XX/XX/XXXX with all required signatures dated XX/XX/XXXX. Now after repeated letters to US Bank and many phone calls requesting the Bank properly notify Credit Agencies no such action has happened. Both my time and XXXX on my wife and I in not bending able to move forward with new financial matters is why I request your assistance.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: First Data Corporation (NY)

XX/XX/XXXX and XXXX I was trying to withdrawal XXXX each day. According to the Atm the transaction couldn't be completed but I was changed both XXXX $ in total. I was able to call the owner an automatic message said to call the bank to dispute the transactions because they don't give refund or credit. I place a dispute with the bank. Just call the bank today and I was told my dispute waa declined do to a missing info. Was not chance for me to explain my self because I never received the dispute form from them.
Consumer complaint received 2022-08-02
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX Account # XXXX and XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-26
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. (NC)

This is my XXXX attempts to inform you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$770.00} XXXX  Date of Inquiry XX/XX/2020
Consumer complaint received 2021-08-13
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. (MS)

Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Discover Bank defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX will be documented and used as exhibits for knowingly and willfully violating federal law.
Consumer complaint received 2021-08-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX LIST OF INQUIRIES XXXX XXXX Inquiry : XX/XX/2020 I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I just got a letter in the mail about the data breach for XXXX XXXX. I have a Case no. and I have just still trying to get things straight after the Equifax breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.
Consumer complaint received 2018-11-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

XXXX XXXX XXXX XXXX is a lender based policy taken out by XXXX XXXX who is my mortgage lender of my VA loan. I had a slab leak XX/XX/2018. I re-piped my home XX/XX/2018 to avoid another leak. XXXX assigned XXXX XXXX XXXX to handle this claim. They would not repair the leak but stated they would repair items in the home damaged by the water leak. The claim number is XXXX, adjuster in charge of the claim is XXXX XXXX. Phone # XXXX, ext XXXX. I have called and left messages with no return call. I need to know what repairs they will authorize so I can move forward. My Home is in disarray and I'm frustrated at their lack of regard. Adjuster for this company came out two weeks ago and the contractor I want to do the work came out and met with the adjuster to discuss the repairs needed to get my home fixed. No response from anyone on what they will or will not approve. Please Help this VET!!!
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I used the Chase XXXX XXXX program to book a round-trip flight for {$1700.00} on XX/XX/XXXX, leaving on XX/XX/XXXX and returning on XX/XX/XXXX. On XX/XX/XXXX, I called Chase to have the outbound flight changed to XX/XX/XXXX, and was charged {$1900.00} for the fare difference plus change fee. 

Upon arriving at the airport and trying to check-in, I was informed that my ticket was cancelled. I had to purchase the same ticket directly from the airline last-minute for an additional {$10000.00}, which I paid for using the same Chase credit card which I used to book the flight previously, assuming that this was an error on Chase 's XXXX and that I would be reimbursed for the additional cost of re-booking the flight last minute. 

I called Chase XXXX XXXX  customer service twice on XX/XX/XXXX, explained my issue, was put on hold and ultimately hung-up on with no resolution. I called twice again on XX/XX/XXXX, and spoke to a customer service representative who verified that this cancellation was an error on Chase 's end, that I would be reimbursed for the {$10000.00}, and that my return flight was not also accidentally cancelled. 

I called on XX/XX/XXXX to verify the status of the reimbursement, and double-check the validity of my return ticket to avoid the same issue since I was unable to check-in online, and because my trip was showing up as cancelled on Chase XXXX XXXX  website. The customer service representative confirmed that my reimbursement request was approved and that it would take XXXX billing cycles to show up, and that my return ticket was likely still valid. The representative proceeded to inquire with the airline directly, and promised to email me the confirmation of my return ticket, but did not do so. 

I called again on XX/XX/XXXX to once again confirm the validity of my return ticket, at which point I was informed that the return ticket was cancelled. I proceeded to book the return flight directly with the airline for an additional {$3300.00}, using the same credit card. 

On XX/XX/XXXX, I called again to get the {$3300.00} reimbursed as well. After being hung-up on the first time, the second time I was informed that they were unable to reimburse this amount, and that this time they were unable to verify the status of my original reimbursement. At further insistence, I was informed that they would escalate this to the accounting department, but with no way to track the request and an estiamted callback date that was after the billing cycle during which the payment would be due.
Consumer complaint received 2023-01-19
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. (MS)

I called Navient today to request repayment assistance. My current payment is {$320.00}, the only option I was given was to do interest only payments for XXXX  months, but in doing that. I would lose the XXXX XXXX discount for autopay ; this would make the payment close to the same except XXXX would go to principal. Inflation is hitting everyone extremely hard - this interest rate is currently at XXXX XXXX ( variable ). Any time I try and refinance anywhere else, I cant get approved without a co-signer because this balance has increased substantially compared to the amount initially borrowed. My co-signer was just approved for total and permanent XXXX so he is being released from Navient, but I cant get a loan anywhere else. This is the absolute biggest trap/scam. Enjoy all the interest youre pocketing on the XXXX set right now, while Americans are suffering. They are making repayment next to impossible if you still want to be able to feed your families.
Consumer complaint received 2022-04-25
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: SYNCHRONY FINANCIAL (NY)

To whom it may concern, SYNCB/AMAZON gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to amazon and XXXX a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

JP MORGAN CHASE XX/XX/XXXX applied for credit card denied application for no apparent reason now im at point feel like jp morgan chase discriminating and profiling me for no apparent reason.This my second incident with Chase bank that they have denied me for services in XXXX I opened joint bank account with my wife at a branch they opened account and week later they closed my account with out any explanation.As of right now my credit score is in XXXX with good rating I would like detailed explanation of their actions taken against me or I would bring lawsuit against jp Morgan chase.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

When Covid19 started the Mortgage company 's were telling people to call if you need help. We called and went on what they called the " Covid relief '' This was where you didn't need to make a mortgage payment for three months without late fees or negative on credit report. We paid our mortgage every month but it may of been a few days late. I am now back to work regular hours and we have been trying to do a refinance. I reached out to Chase many times to go threw them with zero contacts back. Finally a Chase rep when I called said I can either go threw another company or contact a branch office to do it which is 1/2 hr from my home. I called an XXXX XXXX rep and left a few messages with no response either so i contacted my financial advisor who gave me a Company to call. I spoke to him a few times and he ran a credit report and advised me that it shows I haven't made a mortgage payment for three months from Chase Bank which i had. They may of been a few days late but that was what the Covid relief was for, When I called Chase they told me if I get out of the Deferment plan then my account goes back to normal and that the payment would be entered into Credit report as late. I said wasnt that the purpose of the Covid assistance? So I told them I don't want to be on Covid assistance anymore and if they have to show my payments late what ever and that I would rather not have it showing no payment at all. This is wrong and terrible of them. My loan guy told me this will XXXX up my good credit and I'm furious.
Consumer complaint received 2022-04-25
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: Monterey Financial Services LLC (FL)

I was provided false information about the program XXXX XXXX XXXX AGENT XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX XXXX in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I Have Contacted The US Department Of Education Multiple Times. I Was In School During The Time The Loan Was Charged Off. I Stated That Several Times. There Was A Very Short Period Of Time I Was Not Enrolled In School But When I Re Enrolled They Still Expected Payment. Its Partially Navient 's Fault. Now Tih Covid 19 I Found Out That You Can Have Your Payments Waived Due To Covid 19 And They Count As Revamping The Loan To Put It Back Into Active Status Yet They Wont Retroactive It.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management (OH)

In XXXX of 2017 I entered into a payoff agreement with XXXX. This was to split my balance owed of XXXX into 4 payments of around {$260.00}. I have successfully paid cash advance debts to this company in the past without any problems. The first payment came out as expected with no problem. I then received phone calls saying that I didn't have the funds available and my payment bounced. This was not true and the payment came out with no problem and I have proof that it did. I explained this to the lady at the local office and she said they were having problems because they updated their system. I also spoke to someone in the collection department and she had me fax my proof which I did several times and then she said they wanted my full bank statement and I also faxed that. I soon started receiving collection calls and I saw they still didn't show my payment and added a fee on top of that making the balance {$1100.00} when I only owed {$850.00}. I said I would pay the {$850.00} if they corrected the amount. 
I had not heard from them in a while and I saw on my credit report that they sold the debt to a company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and they are reporting I owe {$1100.00} I sent them a letter with my proof and they have not replied nor have they adjusted the amount and I also notified XXXX XXXX and enclosed my proof which is my bank statement with the payment clearly labeled XXXX taken out as I said and XXXX XXXX responded and sided with the company saying the debt is valid. I am aware I owe them {$850.00} but not {$1100.00}. I do not know where else to turn and I don't see how they could possibly dispute my bank statement proving this. I have been trying very hard to keep my credit clean and I am very upset with this situation and any help you could offer would be greatly appreciated. 
Thank You, XXXX XXXX