davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

Have contacted Flagstar bank several times attempting to get the lender placed insurance taken off my account. They have not only failed to do so but have continued to collect the increased premium via my escrow payment and resulting late fees. This insurance documentation has been sent in several times and nothing has changed with this insurance since we have owned this property.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I paid a purchase in XX/XX/XXXX & used my Amazon Visa Chase credit card. My balance with them before this purchase was XXXX dollars, since they were paid off in XX/XX/XXXX. Then two purchases were made, first one on, XX/XX/XXXX for {$10.00} & the second one on XX/XX/XXXX for {$190.00}. I was offered a Promo at zero percent interest until XX/XX/XXXX. I never received a bill & forgot all about the purchase. I never received a bill from this credit card company & any notifications of late fees. When I went to purchase a new vehicle in the beginning of XX/XX/XXXX, I was then informed about this. I called them to see what was going on & was then informed that I was paperless, which whenever I owed them money before, it was always by paper. The first lady I spoke to at Chase waived all the late fees & then informed me that I was put back onto paper bills & that it was okay to pay the {$35.00} each month until pay off. She also informed me, that my credit card had been closed. I informed her that I never received anything notification about any of this in the mail or even received calls. I made my first payment to them that day, XX/XX/XXXX of {$35.00}. The next bill that I received the beginning of XXXX, showed all the late fees taken off, some interest removed, my payment that they received on XX/XX/XXXX plus a {$38.00} late fee charged to my card on XX/XX/XXXX. I called Chase today, XX/XX/XXXX to see why I was being charged a late fee when they were paid on XX/XX/XXXX before the due date & also asked them why the minimum payment was the full amount of {$160.00} which it should of been {$120.00}. I had to call two different times because no one really understood what I was saying & just kept transferring me to different departments. I ended up just hanging up & then calling right back & asked to speak with a manager. Tried working out my monthly payment arrangements back down to {$35.00} like it's suppose to be & they informed me that they couldn't help me, that I had to pay the full remainder of {$160.00} & wouldn't waive the late fee since it wasn't paid in full last month. But I was not told last month that I had to make the full payment, that I would be able to make the {$35.00} monthly payments. Now they tell me, that I have to owe them over {$500.00} before they can help me. So basically I will just be paying a late fee each month & nothing will be going to pay off my card. I actually only should be owing them a total of {$120.00} as of right now. I have already scheduled a payment on the XXXX of this month in the amount of {$35.00}, which then my total owing would be {$91.00} plus interest. They are stating that I am the only one that can make my bill go paperless, but I don't see how, because I never ever received my first bill, that I should of gotten in late XXXX early XXXX.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (FL)

Per my credit score on XXXX as of XX/XX/2022, my Sallie Mae has a balance of {$2700.00}, and Sallie Mae reported that as of XX/XX/2022. 
However, per SALLIE MAE statement, my balance is {$1800.00}.
Consumer complaint received 2021-01-06
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. (AL)

On XX/XX/2020 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (AL)

Chase XXXX XXXX XXXX XXXX. 
I have had since XXXX had {$14000.00} limit with 0 notice reduce my limit to {$10000.00} found out while at a register. Balance at the time was {$9900.00} 0 late payments 0 missed payments Up till this summer 0 interested paid to the company because i paid it off every month with an average of {$5500.00} a month since XXXX. We used it for a trip to the grand canyon. 
Still have the same job since XXXX with increase in pay each year. Same job field since XXXX with increase in pay each company transfer. XXXX XXXX is over XXXX. 

When i called i basicly got told nothing other than my balance was high. Which the closest it got was {$11000.00} still {$3000.00} under. Also i was mailed the letter as of the XXXX.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

I have been sending letter to Wells Fargo now since XX/XX/XXXX trying to validate this debt they claim I owe. Since than we have written each other more than one letter to each other and in all this time I have yet to receive any validation for this debt that has hurt me deeply. Since they can not seem to validate this debt I am demanding they remove it from there files so it no longer causes any further damage.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

Drear sir I am writing this complaint for my margate approval that took few months and finalized and send for my review and spouse to close in two days suddenly on last moment I received a call the bank dont want to do the loan we waited for few months bank review everything the told me everything is fine be ready for close out we finished all inspections paying for insurance selling all off my personal items boxing all the products and giving my notice to my rental landlord then suddenly hearing a disaster news it was very hard broken for us that is not a fair practice before I do any thing I will write a latter to office of bank presidency and explain everything hope fully before everything escalated too big you reconsider to close the loan I already know your already close a loan in that facility I would appreciate if you let me know which way I need to go. 
Thanks XXXX XXXX Loan number : XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

XXXX will not allow mortgage lenders access to my credit report. i have applied for different mortgages and the mortgage lenders can not access my equifax credit report. a small loan lender was able to do it with no problem. i do not know what is going on. i tried calling and they tell me that i have to send in a copy of my driver 's license etc to get it fixed.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WI)

I am having issues accessing my savings account with Cititbank. I contacted CFPB about week ago, and they created a ticket to get this resolved. The CFPB ticket number was XXXX. 

Citibank did respond and said that my account was now active and that I could access it. The ticket was closed. 

This morning I attempted to log into that account, and again got the " Acess Blocked '' warning. It appears that they responded back to complaint, but they did not do anything to resolve the problem. Could you please either reopen the ticket or create a new ticket to get this problem fixed. 

Thank YOU so much for your help in dealing with Citibank! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OH)

In XX/XX/2021 my Coinbase account was locked by my request after I received some phishing texts claiming to be from XXXX XXXX. When I made attempts to contact customer service to verify my funds were safe and reopen my account on XX/XX/2021 I received auto responses from Coinbase stating my case would be reviewed in 4-5 days. Since then I have received no cooperation or help from Coinbase. Their email I was referred to by the automatic response XXXX does not seem to be a working email for customer service. There seems to be no possible way to contact anyone directly at Coinbase for assistance and this was found to be a wide spread problem. They now have custody of over {$3000.00} worth of crypto currency and have locked me out without any type of resolution. They have also made it impossible for me to open the app from my XXXX. Please help.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (IL)

ProCollect attempted to collect on a debt that was not valid and never sent me notice that the debt collection process had started. They also reported this to all the major credit agencies without any notice to me. I only found out about the claim on a regular credit report check on XXXX. I never received any communication from the creditor ( landlord ) or ProCollect that there was a claim. The creditor has since admitted in writing that the claim was submitted in error and that I in fact owe no money and never did. 

ProCollect never verified the claim before filing the issue with the reporting agencies.

ProCollect submitted the claim to the reporting agencies and my credit score has dropped from over XXXX to XXXX foley due to this. This has been devastating to my financial health and it was all in error. 

I have all the supporting documentation that I was never late on a payment, am paid in full, and that the claim was submitted in error. All documentation has been submitted to the collector as well.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (RI)

Guarantee Rate Mortgage was our lender that we had an impound account with. They did not pay the second installment of our taxes which caused a penalty on our impound account of {$100.00}.

The loan was sold shortly after I notified Guarantee Rate that the tax account was past due and they did nothing to make the account current, even though there was plenty of money in the impound account to make the account current. 
The loan was sold to XXXX who made two tax payment within 45 days of obtaining our loan and also paid the penalty of {$100.00} which came out of our impound account. 
I have contacted the original loan officer at Guarantee Rate, called the number on the statement for Guarantee Rate and also notified their tax department as soon as I received notification from our local tax department that the account was not current. 
XXXX told me after an hour on the phone with them, that I would have to get the penalty refund from Guarantee Rate as they were the loan owner at the time the penalty occurred and when I talk to Guarantee Rate, they say that I need to get the refund from XXXX as they are the current lender. 
I have exhausted all avenues, provided tax information to both parties and do not know what else I can do. 
Please let me know if there is anything else I can do to get our penalty refunded that we paid out of our impound account for Guarantee Rates lack of payment on our tax account in a timely manner.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

This Harris and Harris Debt Collectors calls my non for profit organization ( XXXX XXXX XXXX XXXX XXXX XXXX ) on a daily basis. We have no long-term Accounts payable or Accounts receivable, and have no need of Harris and Harris ' services. I have call this company and complained several times, especially since my organization is closed and ceased all operations, except for basic maintenance of the building. It is practically the only voice message I get and I want it to stop!!!
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

XX/XX/2022, Ally Financial - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from Ally Financial do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.
Consumer complaint received 2022-04-15
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. (FL)

These accounts are not mine but is reflecting on my credit report with Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2021-08-19
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. (NJ)

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence. 

It was recently fixed on XXXX  due to the help of this service and I would like this removed from XXXX  and Equifax as well immediately.
Consumer complaint received 2021-01-06
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. (CA)

As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NC)

So I put in a request to close my checking account with Chime on XXXX XXXX and was advised it would take up to 12 hours. Well after the 24 hours I contacted the company and they did not reply so another 24 hours later I contacted them again with no response.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. 

Additionally the credit card company SYNCB/CAR CARE XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (CT)

On the XXXX of XXXX we reported to the M & T bank that two separate checks from our account were fraudulently cashed for a total of {$16000.00}. We froze the account and opened a new account. We were told by the M & T bank that we would be refunded with 7 - 10 business days. However as of XX/XX/XXXX we have not received any funds. When we called regarding our reimbursement, we were told that it could take at least 90 days plus.
Consumer complaint received 2021-01-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (CA)

Hello. This is a report for exceter finance. I reached out the week of the nationwide lock down. To the finance company stating if they had any Covid 19 payment plan or what they can offer for customers during the pandemic. The representative i spoke to stated they had nothing. They didnt offer to push back the payment. They didnt offer payment arrangements. Reached out again in XXXX, same issue same statement. No assistance to the customers. I reached out in XXXX due to researching most car financial companies are reporting late payments caused by a natural disaster. I spoke to a representative and they stated i was eligible for a push back in 2 payments. The last representative failed to notify customers. I filed a dispute with credit bearu due to the companies inaccuracies and the credit reporting stating i was late and fail to notify customers what they could do during the pandemic. Many companies didnt report to the credit bearu and the two late payments i have are now affecting me and others from what i discovered this company did this to many of there customers. The only late payments i have are from the pandemic and they declined to remove them. The presentative stated it was the last two people i spoke to failed to assist and now my credit is on the line
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

Nelnet took over my loan in XXXX. I paid monthly until the end of XXXX. I was on Income Based Repayment. Anything after 25 years is forgiven. At the end of XXXX my loan payment went from {$200.00} a month to {$400.00} a month. I called Nelnet and told them I could not afford that monthly payment. I told them I could pay the $ XXXX monthly and they told me that was unacceptable. I would need to fill out new paperwork and instructed me to fill out more financial information on their website. I did this and on their website, it told me my " expected payment '' was around {$190.00} based on the answers to their questions, however, this could not be done on the internet and their website instructed me to call them back. At the same time I requested additional information ; a copy of my master promissory note, documentation for a " pay-off '' amount of my loan, and a statement of my account for the length of the loan. Only the copy of the note was provided, nothing else. Meanwhile, I went back and forth with Nelnet for the next 2 years, including up to 12 phone calls and emails. Nelnet finally defaulted me to the Dept of Education. I explained this to the Dept of Education, they noted it and sent me paperwork for a review ( they had also added $ XXXX to my loan amount ). Before I could send my paperwork back in the Dept of Education sent me to collections, who added another $ XXXX to my loan, increasing it $ XXXX in a matter of months.