davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have owned my own home since XXXX. I have perfect credit ( XXXX ) and I have been declined a refi for my mortgage to obtain a lower interest rate now that rates have dropped due to the fact that my " monthly income '' from my XXXX XXXX is not enough. I have however been able to not only pay the mortgage for 22 years successfully but I also pay an additional {$190.00} per month towards principal since my last refi in XXXX of XXXX. Currently I have a 5.375 % interest rate on a 30 year conventional mortgage. I am a XXXX XXXX  mom. I own 85 % of the home and could pay this mortgage off in 10 years with a 2.5 % refi, right around the time when XXXX, my XXXX year old would enter college and I could use the additional cash flow. I have NEVER missed a mortgage payment or been late and there is NO reason why I should not qualify for a refi except that the banks claim that my low income prevents me, and of course they want to continue to rake me over the coals. If I can afford a HIGHER mortgage premium, why wouldn't I be able to make lower monthly payments? Is there anything you can do? I personally ( and my neighbors and friends ) bailed out the banks in the late XXXX 's to the tune of XXXX XXXX, they owe me. To make matters worse, their marketing department sends out " you are prequalified for a refi '' collateral, and when you respond, the representative states, " oh, that, the marketing department just sends those out, we have no control over those. '' WHAT?! Thanks so much! XXXX XXXX
Consumer complaint received 2022-08-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
Thank you.
Consumer complaint received 2020-06-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (IN)

To whom it may concern, I started XXXX  college XXXX of 2016. We were to move to Tennessee and i was was enrolled at XXXX XXXX college at the time and just about through my program for my certificate. XXXX wouldnt except my credits from XXXX XXXX and i felt extremely pressured to sign up the day i visited. We ended up not moving there so i asked if i could do online coarses. That turned into a big mess. I was paying for classes for brick and mortor and getting in trouble for not going to class for 2 semesters. I just dropped out. But the student loan is outrageous for 2 semesters plus XXXX XXXX. When i attended XXXX XXXX they had my fafsa so XXXX  up it took a long time to get my student loans federal and private. I had to sign i.o.u 's. 
Im afraid to go back to college because if my fafsa was put in so many times, brcause they input my ssn wrong i have only it has to be put perfectly or no fafsa ever again. 
Its taken me this long to find you to file a complaint, because every lawyer or financial ( college ) didnt know of any place that you could. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

A Month or 2 ago I specifically requested that my bank account with Wells Fargo be closed. The customer service representative assured me that he had closed my account and no further action was necessary. However, Within weeks I had service charge fees in my bank account was not closed. I contacted Wells Fargo and they Assured me a second time That it was their mistake and it will be taken care of. Here we are now and I am in negative {$350.00} And I refuse to do any further business with them or negotiations. They are notorious for not keeping their word and they could give XXXX XXXX  less about the customers, hence why there's now a XXXX special on such a despicable company.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Loyal customer of Citi Cards for over 15 years. Purchased hotels on XX/XX/2019 using a Citi-Premier Card Thank-you Points on the XXXX web site. Contacted Citi in XXXX to notify them that I would not be renewing my card. I was told that I would have to call when the card was due to expire. I told Citi that I would be in XXXX, it was unreasonably that I could not simply have the card non renewed on the expiration date and the exact reason why I would be cancelling because of my displeasure with cancelling card benefits during a contract. This resulted in my purchase of trip insurance through another provider. The end result of that conversation I am told resulted in termination of my card on that date. I would say that I did not prematurely cancel my card at that time, Citi would say that I did. What sense would that make when I had already paid the premium for the card? Regardless, there is a 90 day policy to return points. 

All points used through Citi 's travel agency, XXXX, were put back on my Premier Card and then disappeared because of the expired card. Each time I made a phone call and Citi-Points then placed the points on my secondary XXXX Citi card. 

I used Thank-you points on the XXXX website to purchase two separate hotels one for {$100.00}, the other for {$270.00}. On XX/XX/XXXX, I received notification from XXXX that my points would be refunded by the same method used at checkout. When my points did not show up within 7 days I started making phone calls and have compiled well over 20 hours trying to resolve it often waiting over an hour to talk to a person. I simply get transferred from one department to the next or get cut off because the transfer never goes through. On the phone I filed a dispute and told it would be settled in 20 days. Nothing happened. I filed another and was told it would be resolved in 5 days. Nothing happened. When I call to find out how it was resolved nobody has any idea what I am talking about. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX number. I finally found out that all along the reason my points were not returned after numerous attempts was because my card number no longer existed and repayment was rejected. ( A statement that I had made to every Citi representative ) XXXX has tried everything to try to help me. They even tried to contact Thank-you points in a three way call but could not connect with a person! I called two different people in the department that issues Citi cards and both told me that I only had 30 days after card termination to activate the account which would have been possible if Citi would have directed me to do so back in XXXX. At the same time Citi returned points to that card for points used through XXXX.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (WI)

When I cancelled my account I had rewards dollars in the amount of {$110.00}. I asked how to redeem these and was told the easiest way was to just subtract them from my final balance. When I received my final statement of {$180.00} the amount owed was not adjusted for my rewards money. I reduced the amount by {$110.00} and sent them a check for the balance of {$70.00} and considered the matter closed on XX/XX/XXXX XXXX. I also printed a disclosure on the back of my check stating that if the check was cashed my account will be considered paid in full. The check was deposited. When I contacted them about this in XXXX I was told that the employee should not have told me that it would be reduced.I now have received a notice that I owe them {$140.00} including a late fee of {$25.00}. I feel I do not owe them anything and want a letter from this company accepting responsibility for this matter and they consider the balance paid.
Consumer complaint received 2021-03-25
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)

Equifax is showing my 3 student loan accounts as in collections. These accounts have been paid in full. The US department of education,XX/XX/XXXX and XX/XX/XXXX have all reported as accounts paid in full. XX/XX/XXXX and XX/XX/XXXX both show as paid in full. The dispute resolutions group of Equifax state that the information provided does not give them the information they need to change my credit account. I have logs from XX/XX/XXXXstating that Equifax has reached out to them and had the XX/XX/XXXX balance verified. Equifax is refusing to resolve this even though all the documentation has been provided
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Inquiries on my equifax credit report that they will not remove after I complained to them that I did not authorize them to pull a hard copy, but a soft copy instead. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I opened an account with Chase Bank of XXXX XXXX, I then a few years later moved to XXXX   and was working part time with my mom during the pandemic. I virtually deposited two checks from my moms company into my Chase account. Chase then accused my checks as fraud and closed my account without even attempting to confirm the checks with the company or even reaching out to me with the concern. After almost two months of phone calls to the branch and customer service I am being taken round for round on what is really happening to my money. I was told I would receive a check in the mail with my remaining balance on it. I waited a month and nothing came so I called again. They told me to be more patient. So I did. I waited another month and now Im being told by one person my check was sent on the XXXX of XXXX but another person is telling me they still need to confirm with the company that the checks can be cleared. Im fresh out of college and the amount of money may seem small to some but to me it means a lot. Im in a tough spot and really need my money but everyone I talk to continues to tell me they cant help me, they transfer me to someone else, and the cycle repeats.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (DC)

In late XXXX, I was informed by Washington DC that due to an audit ( that completed in XXXX of XXXX XXXX, they had determined that the previous owner, XXXX XXXX, had mistakenly received a homestead deduction for the property during XXXX through XXXX. My partner and I purchased this property at XXXX XXXX XXXX XXXX in XXXX of XXXX. At the time of our purchase, there were no outstanding property taxes due. However, after this audit, it was determined by Washington DC that XXXX XXXX owed the district {$14000.00}. As we had 45 days to submit our response, I had reached out to the Title company we had used to establish the best way forward. However, with the COVID situation, communication was slow so it was taking awhile to patch together what had happened. In the meantime, On XX/XX/XXXX, I received a letter from Chase indicating that " We don't collect money to pay exemption revoked taxes as part of your escrow payment. However, after we received your request, we made a one-time courtesy payment of {$14000.00} to District of Columbia. '' I want it very clear that neither my partner nor I made ANY request to Chase to make this courtesy payment. Chase made an unauthorized payment on our behalf without asking as nor informing us until after they went ahead and did something. And due to Chase making this payment we have been hamstrung in fixing the situation. While Chase makes it sound like they provided a special payment on our behalf, what they really did was drain down our originally funded escrow account. Our monthly payments are going up by over 1/3rd to rebuild our escrow account. Something that would not be necessary had Chase not paid it while we contested this retroactively revoked taxes payment. Now, we are in an awkward spot of trying to have Chase ask for a refund to get our escrow money back and then also have DC negate their demand that we owe them this {$14000.00} revoked back taxes owed by the previous owner. Our title company has made it clear we were not liable for that amount. 
I have called twice to have Chase ask the DC Homestead office for a refund for that amount so that the current owners can contest the payment. Both times have been followed by Chase sending us a letter indicating that they called the taxing authority and verified that there were no overpayments on our account and that everything is paid for and on-time. THIS IS NOT WHAT WE TALKED ABOUT ON THE PHONE. Each time I have called, I have asked for Chase to work towards getting the {$14000.00} recalled back. Instead they seem to just check the box that everything is ok. Washington DC doesn't think anything is wrong either because they got their money. With the Covid situation, communications with the DC Homestead office has been extremely slow as we try to rectify this situation. What Chase needs to be contacting is the DC Homestead office and not the DC Tax office. Also why am I getting letters back instead of a person to confirm what happened. Why not a three way call set up if necessary?
Consumer complaint received 2022-11-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (PA)

Goldman Sachs Closed my account for not apparent reason, i had called to verify my account information for them now keep in and have done nothing illegal have my account closed. I have been a account holder since XXXX of 2021!! I rarely ever used my account and i have some updated credentials such as a XXXX doing business as name or assumed name. I always have kept account in good standing. 


I really did'nt remember my information and as i have said before i rarely used this account so it's been awhile for me to remember my information ( still not illegal ). So i contact Goldman Sachs to verify my account. When i finally did i logged in my account and checked my balances. today at XXXX. i was put on hold for XXXX min and transfered to their security dept I spoke with XXXX and she said she had to close my account i asked her why and she told me she coud'nt disclose that information to me. 



I just find it supecious that they closed my account after me being an account holder for over XXXX years. and when i coun'nt remeber my information they closed my account.
Consumer complaint received 2020-06-26
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. (FL)

In the past 3 months, I have contacted Equifax in three opportunities ( attached proof ) because they are reporting 2 inaccurate hard inquiries from 2019. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to Equifax, I have asked for proof that verifies that I authorized those inquiries back in 2019. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. 

Equifax in those three opportunities, sent me an AUTOMATIC answer back saying that the inquiries have been " verified ''. The letters are always the same, and none of them have provided any method of verification ( attached proof ).

1- Even though I have asked in every single letter I sent, Equifax has not sent me their method of verification. 

2- Violated my right under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) by not providing a method of verification. 

My credit worthiness has been highly affected by Equifax.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have some complaints with Equifax. First the 10 hard inquiries that just killed my credit report, XXXX XX/XX/XXXX was not authorized by me. XXXX XXXX XX/XX/XXXX told my that it was a soft pull.. So that wasn't authorized by me. XXXX  XXXX XXXX  XXXX, XX/XX/XXXX told me that it was a soft pull, so it wasn't authorized my me. XXXX XXXX  XXXX committed a act of fraud I think, on XXXX XXXX XXXX I purchased a XXXX XXXX XXXX I told them that I wanted too be finance through XXXX and if that couldn't happened I wold go too another dealership that does in-house financing and if they had too run my credit just run it with XXXX, that is it, that is all. But everybody just want a sell and will lie too get it..!! And this is where I feel this maybe fraud because on XX/XX/XXXX I purchased the XXXX XXXX XXXX but XX/XX/XXXX XXXX XXXX XXXX ran my credit again..!! Without my authorization I wasn't buying another car so why would they run my credit again without my authorization, could somebody explain this too me like I'm a XXXX year old..?? ( Why did they run my credit again without my written consent.? ) I didn't authorization a credit application with XXXX XXXX XXXX  on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX   Card on XX/XX/XXXX they told me that it would be a soft pull.. A Soft Pull.! A XXXX  XXXX on XX/XX/XXXX, I have a XXXX Checking and Saving a XXXX and a Platinum card I'm betting my head against the wall crying too get these Inquiries erase - deleted with-prejudice for good if the website didn't say that XXXX  XXXX didn't do a soft pull I wouldn't have done it. Equifax are not showing my XXXX and my Platinum credit card accounts 85 % of my credit report on Equifax is so incorrect and I'm disputing everything under the Covid-19 Bill.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION (AZ)

I went with my sister and brother in law to buy XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I went in as after they we denied loan to act as a reference and the loan was placed in my name and my brother in law as a second signer because my income wass greater. 
I now run my business and it's absolutely effecting my credit. 
U have explained to XXXX XXXX loan but there is noting that can be done.I NEVER received details of amounts of loan, APR or terms.
Consumer complaint received 2023-07-28
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. (AL)

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX XXXX : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of XXXX. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by Experian, but there is no information from TransUnion or Equifax regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status.

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Consumer complaint received 2020-06-26
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. (FL)

AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.