davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

I called in today regarding fraudulent recurring charges on my account. I'd previously raised a dispute over the charges online, and those charges were reversed. However, Chase did not block those charges from being made to my account again in the future as I had originally requested. I called in to dispute the new charges and to close the account. After a wait time of over 3 hours, I was told that they aren't able to close the account because the charges are being disputed - we'll need to wait until after the charges are reversed, and then I would need to call in again to close the account.
Consumer complaint received 2020-03-31
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. (NE)

I have reported discrepancies with the credit bureau Equifax over four times, for over an year. Equifax continues to report the information has been verified. One account in particular that I have been asking to be removed is an account listed as XXXX XXXX XXXX. I have reported this account in at least four disputes. Equifax sent the following Dispute Confirmation Numbers, on the following dates : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX. 
Equifax continues to tell me this account is verified. I asked for " Method of Verification '', Equifax will not respond or provide documentation. I called the Creditors, XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that they had no documentation on me of the account that is listed on my credit report, due to it being transferred to a collection. If XXXX XXXX XXXX  can not verify their account to me, the person they claim was the account holder, how does Equifax continue to verify the account and allow it to remain on my credit report. 

I have also been disputing the account " XXXX XXXX ''. Equifax continues to state this account is verified as well. I got in contact with the company " XXXX XXXX '' company as well. " XXXX XXXX '' provided a letter that they could not provide with documentation or proof of this account, but sent a payment history. A payment history is not proof of an account or a contract. If XXXX XXXX can not provide documentation, again, to the person they are claiming owns an account, how is Equifax verifying this account.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 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 ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. 

Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you
Consumer complaint received 2017-04-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

My name is XXXX I had a mortgage thru XXXX contract on a mobile home because of having XXXX illness I was out of work for a couple of months and had fell behind on my house payments and lot rent. When I got back to work I had gotten my lot rent caught up and had called Greentree who bought out XXXX andXXXXXXXX had offered to pay {$500.00} for three weeks and I would have been up to date on my house payments, but they refused the money offer so they broke the contract. And now a company called ditech has taken over the account and is trying to collect the money that is left owed on the trailer which I do not live in cause they would n't accept the the money and me and my wife had to get out. The trailer was sold to another party. I had told ditech what happened and told them to go after Greentree. They will not leave me alone. Account number is XXXX right now I am on social security XXXX and on state XXXX for the insurance I 'm in XXXX. I had my XXXX. And last month I had to have XXXX. I wish for ditech would go after Greentree they broke the contract not me, and I am not paying for something that I do n't have anymore.
Consumer complaint received 2022-04-13
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. (GA)

Fact, XXXX XXXX XXXXXXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank emailed me two different times advising me of fraudulent attempted use and asked that I get back to them. This has been impossible either by phone or email. I want this card cancelled and will not be responsible for fraudulent charges when I can't communicate with Chase.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I was n't paying attend to the check book I wrote on XXXX I had it was a old account i went to the deposit machine in put the wrong check in by mistake cause the check book was in the same place as the new ones.This is a very problem to my business i need this handle in a timely matter. 
It was a mistake I can prove it, 'I will like to handle this without a lawyer
Consumer complaint received 2017-03-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is related to previous complaint submitted on XX/XX/2016. Case # XXXX. Incorrect adjusted credit bureau reporting for the month of XX/XX/2016. All other months in XX/XX/2016 are reporting correctly, but the month of XX/XX/2016 is incorrectly reporting 60 days late. XX/XX/2016 should only be 30 days late.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CA)

I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Commercial Services, Inc (NE)

Making threats to have my license suspended and refused to verify the debt was paid. I was contacted by a XXXX XXXX from national commercial services phone number XXXX ext XXXX XXXX insulted me several times told me I heard voices in my head called my a liar several times.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

I went to XXXX XXXX and told them that I only wanted federal loans. XXXX XXXX acknowledged that they would not take out any private loans ; however, they did. I did not find out that I had a private loan until XXXX XXXX/Naivent began to collect. 

I am unable to afford the high minimum high interest rate. Whenever I would speak to Navient they would tell me there are options available to me for repayment. When I ask about the options they state that I do not qualify for any of them and that I need to pay in full. 
Even when meeting my minimum payments it was all going towards interest. When I originally question this I was told that I have to pay the interest for the life of the loan before principal. Navient calls my phone 4-6 times a day every day. 

When I tell them that I can not afford the cost they tell me that I need to seek money from friends and family to pay them. 

Harassment and lots of threats with no assistance.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have a student loan with Navient, and there is just so much to speak about this. 
First my interest rates were ridiculously high, when I started to repay my father and I paid XXXX dollars every single week for 2 years and we had no idea how they allocated payments over the course of XXXX private loans as well as XXXX federal loans. 
My student loan debt was around XXXX. we have paid XXXX dollars every month for 2 years when it became too much to handle we spoke on the phone with them for weeks because when we received statements they were very unclear to read. Sometimes they would even allocate most of my money towards my federal loans and then my private loan balance went up, I would have to call them and then they would claim there was a mistake and promised that my payments would be back-tracked to the original date and interest did n't occur during those times but who knew if they really allocated them to the right time. Which at almost 10 percent interest on a {$200000.00} loan if just 2 weeks of non-payment means another XXXX or so added to the overall cost of the loan. When they corrected their problem I truly do n't think they backtracked my payments and removed my interest that occurred during that time. After a lot of calling and bothering they allowed me to enroll in a cheaper interest plan if I enrolled in auto debit. which I did which I was never told of until 3 years into paying XXXX a month. now I am enrolled in auto debit I do have a better interest rate im not sure why they never told me about this plan, Also they have messed up a handful of times and promised that they would re-allocate my funds in a timely manner and on their statements theres no way of seeing this allocation. 
There are a good handful of times that they have not set well with my father and I and I see now that our feelings were correct. 
Also we always paid our loans weekly, im not sure they even allocated our payments weekly during the few years before I enrolled in auto debit. I just would like to see some type of action on this company. Thank goodness I have my father that somehow knows about huge loans or else I would be lost just like a ton of student borrowers. We have paid about XXXX towards XXXX/navient and my total loan has gone down only XXXX XXXX dollars.
Consumer complaint received 2022-04-13
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-13
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has 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 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2016-04-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (OH)

I applied for an Income-driven repayment plan on Studentloans.gov, and Nelnet confirmed receipt XXXX/XXXX/XXXX. Nelnet 's website and IVRU state the status is " pending '' and, if pending, I should allow 3 business days for it to be processed. It 's still not processed as of XXXX/XXXX/XXXX. I tried to call but was getting the run-around. My husband had a similar experience with a different loan servicer. He completed loan rehab in XX/XX/XXXX or XX/XX/XXXX and subsequently requested the IBR/ICR forms. He completed them and sent in multiple times, but everytime he talked to them, they said they either had n't received it or it was still processing. In the end, we gave up. I thought it might be different now with the streamlined online process, but it seems not. Are they waiting on me to default? They keep sending me emails and posting on XXXX how they can help if I 'm behind by arranging a new repayment plan, but there 's no follow-through. Please help.
Consumer complaint received 2022-09-15
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2015-12-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2015 I went to the ATM machine to withdraw {$500.00} and the machine never dispensed the money but after checking my balance it showed it has been taking out. I called the bank and they said that give it one day and my account will adjust it self but that never happened so I called them and was advised I needed to file a ATM dispute and it can take up to 10 days for them to investigate it and after 2 business days I called to follow up and was told my claim was denied. I told them that nothing came out and it ca n't be denied and the rep asked if I wanted to resubmit my claim, I told her yes I do. After 10 days they told me the claim was again denied and the ATM balanced. Iam not out of {$500.00} due to there ATM machine malfunction. I need help please.
Consumer complaint received 2022-08-17
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX XXXX days late in XX/XX/2021.
Consumer complaint received 2022-04-13
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: Westlake Services, LLC (NJ)

XXXX XXXX  on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. West lake financial, XXXX XXXX, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.