davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
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: JPMORGAN CHASE & CO. (VA)

Dispute of {$1600.00} on my chase card was initiated by me on XX/XX/XXXX, for the charge that posted on XX/XX/XXXX. The merchant is XXXX XXXX XXXX XXXX  in XXXX XXXX, VA. I disputed it on the fact that services were not performed nor did I receive the services. After several months, Chase informed me in XX/XX/XXXX that they were siding with the merchant. The merchant has provided false information to Chase and I have provided proof that the information and answer by the merchant are lies/false. Chase refuses to understand even with proof that the merchant 's answer is fraudulent. The balance has remained which I will not and will NEVER pay any of this balance. Chase is allowing fraudulent activity by a merchant. There were never any services performed or received.
Consumer complaint received 2021-11-26
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. (MI)

I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX XXXX for XXXX ( XXXX XXXX XXXX consistently. I have complained that about these collection companies with any help.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Attempted to issue a security freeze on Equifax 's automated telephone system. The system is suffering outages and I could not issue the security freeze.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP (MD)

My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, XXXX I disputed all negative accounts and inquiries on my credit report with Equifax. On XXXX XXXX, XXXX I received an alert from XXXX XXXX to log on to my account due to changes. I logged on and I noticed that all negative accounts and inquiries was deleted from my credit profile. I printed out that report and highlighted all. On XXXX XXXX, XXXX I decided that I would purchase the Equifax XXXX Solution I looked on the report by Equifax and noticed that all negative was deleted from credit profile. I printed out report and highlighted all. On XXXX XXXX, XXXX I logged back on to Equifax website and noticed that all negative and inquiries that was removed are now back on my credit profile. I was not notified by Equifax for the matter. All I want is those negative accounts and inquiries remove permanently. I know that Equifax was supposed to notify me through email or letter, explaining why these accounts was added back to my credit profile. I have not received anything in the mail nor my email stating why all was added. I will upload all evidence showing my credit report on XXXX XXXX to XXXX XXXX, XXXX. I also highlighted the dates and all items I want off my credit profile immediately.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- Kinum and XXXX XXXX XXXX XXXX Both of which have ruined my credit rating. XXXX XXXX XXXX is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with XXXX XXXX, nor Kinum for that matter. I have requested the original contract to be sent showing that I never gave authorization to XXXX nor Kinum to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.
Consumer complaint received 2020-01-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

CO-SIGNED A STUDENT LOAN FOR MY DAUGHTER IN XX/XX/XXXX - {$17000.00} STARTED PAYING INTEREST ONLY ON THE LOAN ALSO IN XX/XX/XXXX.

WENT THROUGH A BANKRUPTCY IN XX/XX/XXXX.

IN XX/XX/XXXX-THE STUDENT LOAN WAS PART OF THE BANKRUPTCY BEING PAID THROUGH THEM.

BANKRUPTCY COURT RETURNED IN XX/XX/XXXX SAYING THE LOAN HAD BEEN PAID IN FULL. 
AFTER THE CONCLUSION OF THE BANKRUPTCY, WE RECEIVED A LETTER FROM NAVIENT COMPNAY STATING WE STILL OWED OVER {$7000.00} DOLLARS. 
AFTER TRYING SEVERAL PHONE CALLS, AND SENDING PAPERWORK, THEY STILL JUST STATE WE STILL OWE THE MONEY. WHEN ASKED WHAT INTEREST RATE THEY USE, THERE WAS NO CLEAR ANSWER. ONLY THAT THEY ADD INTEREST DAILY. 
LOOKING OVER THE ACCOUNT HISTORY WE MANAGE TO PRINT FROM THEIR WEB SITE, THEIR INTEREST IS NO BETTER THEN A LOAN SHARK. 
OUR BANKRUPTCY LAWYER WAS NOT HELPFUL, AND THOUGHT THE LOAN WAS PAID OFF AS WELL. 
WE STARTED PAYING THE XXXX BALANCE IN XX/XX/XXXX. 
FOR EVERY 100 DOLLARS THEY SEEM TO TAKE 50 DOLLARS OFF FOR INTEREST.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

Equifax 1. Equifax took a week to answer my email, even after they said that my account may have been compromised. 
2. I called today because I could not log in, and I could hardly understand the person on the other line.
3. I asked to be connected to a supervisor and when I was getting connected, there was so much static that after a few seconds I had to hang up. 

What is going on with Equifax? What can I do about our accounts. 

Thank you XXXX XXXX
Consumer complaint received 2017-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC. (TX)

I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. 
My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. 
ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. 

I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. 

They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.
Consumer complaint received 2022-08-25
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. (TX)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy.

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the Chase Auto continues to ignore their duty and remove the negative error from my credit reports.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

My XXXX XXXX XXXX son purchased XXXX games from XXXX XXXX XXXX for {$94.00} and {$29.00} via Paypal. I filed a case with Paypal and they denied the request, despite the fact it was apparent this was an order for a children 's game.
Consumer complaint received 2017-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I recently noticed that the company, Navient, has negatively impacted all my credit report for XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. I attempted to validate the account as I am unfamiliar with having this account with the company, however, the company has failed to properly validate the account. In a 60 day time frame from XXXX XXXX to XXXX XXXX, I have received at least 3 collection letters from 3 different companies regarding the account. However, only Navient is displaying on my credit report. I have submitted validation request to all 3 collection companies only to not have received a response from 2 of them and it has been more than 45 days. The 3rd collection company is pending validation. Navient, who is negatively impacting my credit, only responded with a one page document that does n't properly validate the account, and refuse to send me additional information about the account. I submitted a 2nd request to Navient for proper validation, but Navient still has not responded. I have included all letters I submitted and received from Navient, and the other collection agencies regarding the account.
Consumer complaint received 2017-10-03
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. (MI)

I paid my child support and was sent a termination letter to me and my employer. about 30 days later I received a phone call that they had found items they had missed and were sending another letter to my employer to take weekly payments. Nothing I could do, if they had not missed this I would have had it paid by now. Now they have put this on my credit report as a default loan! This is unfair to my credit report. I paid this off and was their fault they missed an attorney fee from 18 years ago. at least this should just show as XXXX loan not past due.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TN)

On XXXX XXXX, XXXX, XXXX XXXX XXXX sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, XXXX XXXX XXXX XXXX are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. XXXX XXXX XXXX is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo services our mortgage ( Loan number XXXX ). We asked for and received a short term ( 6 month ) suspension of our mortgage payment due to the pandemic. I am a XXXX and my XXXX has essentially disappeared. I can't pay my rent in my XXXX XXXX and my XXXX XXXX XXXX will be impacted if I lose my home. 

Our mortgage is actually owned by XXXX. I went to their website and they offer a 12 month suspended payment program as well as other payment options. Wells Fargo does not. Why the discrepancy? The offerings should be consistent. 

None of knows what will happen with the pandemic and need the assurance that WF is not going to take advantage of us or the situation.
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I made a transfer from XXXX  XXXX XXXX in amount of {$350000.00} to Chase bank. The chase bank account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. Chase needs to be responsible to revise my transaction and XXXX  XXXX XXXX needs to investigate this matter for me.
Consumer complaint received 2017-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I was struggling to pay my federal student loans, which were serviced partially by XXXX XXXX ( now Navient ) in 2008. I called them for assistance, and they somehow convinced ( tricked ) me into consolidating my federal student loans into one massive private student loan with them. The loan was originated in XX/XX/XXXX  2008, and the original principal on my loan was {$55000.00}. It  has been more than 9 years, and I have made nearly {$40000.00} in payments, and yet I still owe {$54000.00} on my loan. I understand that there is interest involved in any loan product ; however, it is very clear to me that Navient engages in predatory lending practices. They have increased my interest rate routinely every year since 2008 ( now a whopping 8.25 % ). They make it nearly impossible to pay down principal and ensure I stay mired in this debt. 

I am on the verge of refinancing my loan with another lender, and I uncovered all of this information. It makes me absolutely sick to my stomach. There is no way a company like this should be allowed to take advantage of young adults and make enormous profits at the expense of young Americans ' livelihoods. There has to be something we can do to stop this from happening and bring justice to those affected by this horrible company.
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Navient never provided right information to me, they put my account under forebeareance when I told them I am unemployed and they reported my credit agency as a delinquent account. Their customer service is terrible and everyone is extremely rude. Now they are saying I owe them {$1000.00}, so I 'm not sure how to pay off this amount. Please help.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Dear XXXX, Thank you for your email. 

Naturally, you have the right to cancel your tour with no charges up until XXXX XXXX. 
However, I would like to point out a few things : 1. Coronavirus is not Ebola or anything similar. As a matter of fact, the mortality rate is roughly that of seasonal XXXX ( flu ) : https : XXXX. You would probably agree that if we were to cancel all our tours because of flu danger, we'd run out of business very fast. 

2. So far, there has been no official case registered in XXXX. 

3. If you decide to go ahead with the cancelation, you may understand that we may not accept your booking at a future date. You and me we've gone through quite a few emails before putting all this together. My colleague XXXX had a VERY HARD time securing your accommodation and activities. I will most probably not be willing to take the same chances again. 

In the unlikely eventuality that country travel restrictions will be put into place between XXXX XXXX and XXXX XXXX, I promise you we will keep your deposit and rebook your tour at the dates of your choice in the future. 

Look forward to hearing from you. 

XXXX XXXX  XXXX - XXXX. Untold. 

XXXX Phone : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX received XXXX XXXX XXXX {$100.00} paypal fee, called agent at paypal and told them it was A refund, agent told me to refund back to seller and have them " Refund me the money '' I did that on XX/XX/XXXX. seller contacted me and said he didn't have the means to refund me, only send it back. I called paypal agent again and they told me to have the seller call paypal. I contacted seller via email to have the seller call paypal. I have not received XXXX XXXX so I put a claim in with my XXXX XXXX charge card. response from XXXX card with sellers explanation that he tried and couldn't refund and claim has been denied by XXXX cards
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.
Consumer complaint received 2020-04-24
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. (AZ)

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, XXXX, and Equifax. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this dept recovery solutions got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also google this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX  and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

the late on my macys account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you