davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
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. (PA)

These are a list of fraudulent accounts and inquires per bureau XXXX XXXX XXXX   enforcement {$350.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  Inquiry XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX  XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$940.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX  XXXX   {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. Equifax, XXXX and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate general counsel - ( EQUIFAX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX  ) XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX   vice president and division gen counsel
Consumer complaint received 2022-04-23
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XX/XX/2021, 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 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I completed a consolidation in XX/XX/XXXX and Navient has not been able to explain the approximate {$10000.00} increase to my consolidation balance. 

I, XXXX XXXX, am providing this written explanation for the basis of the dispute concerning the balance changes for consolidation loans 2-08 and 2-09. I will also provide documentation as requested by the Navient representative. 
I am currently in the home buying process over the next several months and ask that Navient understand and empathize with me concerning the significance of changes to my credit report during this time. 
I have reached out to Navient representatives to explain the balance changes for consolidation loans 2-08 and 2-09. No one could successfully identify documentation for the change, the reason for the change, or explain the difference. Therefore, the Navient representative submitted an escalated request for my consolidated loan balances to be reviewed, requesting an explanation of the changes. I have reviewed both in boxes in my Navient portal, and the latest documents posted since the approved consolidations are the tax statements ( XX/XX/XXXX ) and the quarterly interest statements ( XX/XX/XXXX ). 
Previously, Navient has uploaded supporting documentation in my Navient portal concerning any changes to my account balances for any reason. My mortgage loan is currently in the underwriting process, and the lender will pull my credit again before the approval is final. The last report pulled by the lender reflects my consolidation loan balances foXXXX XXXX XXXX {$220000.00} XXXX and XXXX XXXX {$27000.00} XXXX, as they are shown in the approved loan consolidation and repayment plan totaling {$250000.00}. As of XX/XX/XXXX, my loan balance has changed significantly. 
The increase of {$9500.00} has increased my student loan debt, which might affect my debt to income ratio. It could postpone or stop the mortgage loan approval and closing date altogether. 
I hope that Navient understands the severity of my current situation and is aware of how critical it is for accurate reporting to my credit and providing documentation to the lender for such relevant changes. I am clueless about the details of the balance increase and became even more confused after speaking to two Navient representatives that were just as puzzled as me. 
All in all, I have committed a great deal of my time and finances to reach the mortgage goal of buying a home. I have worked consistently with Navient for the past several months to ensure my student loans meet the mortgage lenders ' standards and the department of education. As you can see, my education is essential to me, and finalizing my approval for this current mortgage loan is equally crucial.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/21 I tried to use my Wells Fargo Debit Card, only to find out that the debit card for my checking account ( last 4 digits XXXX ) and ATM card for my savings account ( last 4 digits XXXX ) were " canceled ''. I discovered this when I learned that none of my monthly automatic bill payments had been paid by the bank. I called the 800 # and spent nearly 8 hours on XX/XX/21 and 2 hours XX/XX/21 calling the bank to find out why this was happening. 
I was told that it was for " misuse ''. I asked what that meant, and they would not tell me. I called and called, and no one was empathetic or tried to help me figure out how to get my money out. They told me that the account was " open '', however due to my not being able to access the account in any way, it is the same outcome as if it were closed. 
It is XX/XX/XXXX and I need to pay my rent, my car payment, utilities etc. None of those can go through the bank. I called a branch today and no one answered after several hours of calling. Finally, I called the 800 # and I was told that all of the branches in the state of CT are closed today and tomorrow ( XX/XX/XXXX and XX/XX/XXXX ) due to a snow storm. 
I tried to explain to the customer service reps and the " corporate escalation team '' today that I could possibly DIE without my insulin, as a diabetic. If my electricity is not paid it will be shut off. I have to refrigerate the insulin or it will spoil. If I don't pay for my rent I will be evicted after missing one payment and charged 15 % of the total rent as a late charge. My car will be repossessed after just one late payment. I can't get gas for my car, or go anywhere or get groceries as I have no cash and no access to my bank account. 
At this point, I just want to retrieve my money. I have {$2800.00} in my savings account, and {$240.00} in my checking account. I want to have my money to pay my bills and live. 
It is unreasonable that there is no solution or explanation being offered to me. It is not their money, it is clearly mine, and I need it! Once I get all of my money back ( {$3000.00} total ) I can close both accounts, however I need to wait until after I receive my social security disability payment, which is on XX/XX/XXXX. 
I feel that I have been treated as if I were a criminal despite that I have done NOTHING WRONG. Wells Fargo Bank, as I am sure you are aware, defrauded me and many other consumers when their top management stole money and compromised accounts due to their own GREED. I simply want what is rightfully my money to be given back to me in CASH. 
Obviously this is of URGENT importance, as I have explained above. The bank must find a way to return my money promptly or, I fear, the reality of becoming homeless and having my health compromised will cause by demise ( DEATH ) I can not go for one day without my medication. PLEASE DO SOMETHING TO HELP ME! The situation is dire!
Consumer complaint received 2020-01-26
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. (NC)

On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract. 
# 3 Provide for and evidence lawful terms and conditions. AND ... 
# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: COMMERCE BANK (IL)

Today ( Sat. XX/XX/2022 ) I received 2 Commerce Bank Visa Cards which I did not apply for. One of the cards has my name on it ; the other ( same account number ) is a person I do not know.

I called 3 different Commerce Bank numbers listed in an attempt to block use of the account. All three numbers resulted in long hold times without being answered. I understand that this occurred on a weekend, but there should be someone available to block this account. There should be a fraud department to help.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (MI)

I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. ''
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

chase bank allowed a third party some law form to place a hold on my checking acct. this was a joined account but I have communicated with my husband for the last 5yrs. i did not remove his name from my checking acct, but the bank should have reviewed the acct that is only apportioned by me XXXX has nothing to do with my acct. why a third party went in my personal checking acct and place a hold
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I was purchasing a pair of jeans at Sears in XXXX, FL. The store associate told me that if I applied for the Sears Mastercard, I would have {$40.00} off my first statement and would only pay {$2.00} for the jeans. Evidence of this is the sales receipt, on which the associate hand-wrote " -XXXX '' and a total amount of " XXXX. '' I applied based completely on that statement. When I received the statement, there was no {$40.00} credit. When I called the credit card company on XX/XX/XXXX, I was told my purchase did not qualify for the {$40.00} credit and I would have to pay {$42.00}. I made that payment on XX/XX/XXXX, so as not to impact my credit rating and to have the account be closed immediately. During that phone call on XX/XX/XXXX I made the request that this account be closed due to fraudulent representation by the store associate. I was told the account would be closed. When I received the credit card in the mail, I did not activate it, and I destroyed the card. 

On or around XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that the account could not be closed " ... because the request must be initiated by either the primary or joint accountholders, and it was not. '' ( This was obviously not true. ) The letter asked for a signed request. On XX/XX/XXXX, I sent the signed request that the account be closed, and also stated that if I did not receive written confirmation in 10-14 days, I would file this complaint. I have had no response.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Neon Newco Corporation (CA)

In XXXX of 2021 I received a letter with a debit card attached to it from Netspends. I had been using netspend prepaid because it was better than using regular bank accounts due to the real overdraft protections of not being allowed to overdraft if your account doesnt have enough funds. But the new debit card I recieved was different. It was netspend all access which is treated more like a real bank account than the prepaid netspend. I noticed that when I didnt have enough funds I was allowed to go over the amount in the account and I was charged an overdraft fee. I thought I must have accepted this condition upon activating my card. Ok so I called Netspends to ask them to take off this overdraft protection because it doesnt protect me it only messes me up. Some charges are for as little as XXXX XXXX and there is a XXXX $ Fee. So they turned it off but then they started bombarding me with emails asking me to opt in again which I did because it was covid and I needed to at the time against my own best interest. It is an abusive practice to target an individual with low income into a high fee condition that they will always fall into, like a trap. Even though I would get frequent deposits they would fall out of the 24 hour time frame. I only made XXXX $ in income in 2021 and netspend took XXXX $ In overdraft fees from me. I covered all my charges with my own money the XXXX $ all went to the bank. I wish they never sent me this netspend all access the abuses they inflicted on my are the reason why I stopped using regular banks in the first place. This would have never happened if it was not allowed and they stopped offering that to me.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Home Loan Center, Inc. (MI)

my name is XXXX XXXX and i was scammed by a fake loan website. This person called me and acted like he was from lending tree and he had all my information. he even called my bank and acted like me and filed many claims to my account he also had my bank reverse multiple car payments back onto my bank account. he told me the money that was in my bank account was sent from the loan company and in order to be accepted for the loan i have to send them back gift cards for XXXX  dollars so they can prove that i was who i said i was. They said the money they sent to my account was from them and they needed me to send it back to them. My bank is not doing anything to help. I need my money back i need to pay my car payments back and i am really stressed about this. I have emails and text messages from the person who scammed me. I can send you whatever you need. Please help me get my money back and find out who did this to me.
Consumer complaint received 2021-02-01
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I want this to be resolved ASAP!
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I have described the problem prior, and have a file at Citibank regarding this complaint. 

I raised several points with Citibank, NA., but in their reply my specific disagreements with Citibank 's handling of my account were not addressed. I cited at least three unanswered letters/correspondence to the company many months ago, and I also documents an inability to reach Citibank 's customer service department via telephone, during the early months of the Covid pandemic. Citibank, specifically, directed people to its website in order to resolve account problems. I advised in my recent CFPB complaint and my prior correspondence, that my password was not operational, and I was unable to proceed in this manner ( contacting via the phone loan ).

In my complaint to Citibank, they did not address any of their failings to deliver adequate customer service, via a reasonable wait time, and by answering my ( documented ) mailings to their offices. Instead, when reached at their corporate office I was advised by XXXX XXXX that I " should have called everyday, '' despite my advising her wait times were excessive, and I had limited time due to being on my work break, etc. 

Citibank, in short, did not address any of my specific claims. Instead they arbitrarily state they are unable to do anything to mediate my damages. I would request a full review be done of all the circumstances of me losing my points. I have taken many hours to review and catalog phone records, mailings, etc., whereas Citibank has given this no true, in depth review. Citibank appears in violation of their customer agreement on several levels. I am requesting reinstatement of around {$500.00} in Thank You Points, or a cash reimbursement, if the account can not be reopened. I have repeatedly pointed out the problem with accessing the account, but none of my points have been dealt with point by point.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

THE BANK IS ILLEGALLY CHARGING ME TO TAKE MY MONEY FROM THE BANK ATM.. EVER SINCE THE PANDEMIC I HAVE HAD A PROBLEM WITH MY BANK. I HAVE NEVER HAD A PROBLEM BEFORE.. EVERY MONTH NOW SINCE THE PANDEMIC MY ACCOUNT HAS BEEN OVERDRAWN. IT WAS NEVER OVERDRAWN BEFORE. THEN THEY ARE TELLING ME I WITHDRAW {$1400.00} ON THE SAME DAY. THEN THEY TOLD ME THEY PUT THE WRONG DATE. YOU CAN ONLY TAKE {$700.00} A DAY AND CHARGING ME {$3.00} ATM FEES TO TAKE MONEY OUT MY BANK ATM. 

SECOND TIME THIS HAS HAPPEN. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (LA)

XXXX sold my mortgage in early XX/XX/XXXX to US Bank. I was informed to follow up with US Bank regarding making sure my property taxes were paid. I spoke with one US Bank rep early in XXXX and they did pay the city tax. I was assured they would pay the XXXX  ( county ) tax by the end of the month when it was due. I called US Bank on XX/XX/XXXX and the rep said my taxes would be paid by the XXXX of XXXX. I called US Bank on XX/XX/XXXX and spoke to " XXXX '' in the tax department who said they needed to get approval to pay the late fees. She said to call back in a couple days for more information. I called US Bank on XX/XX/XXXX. I spoke to " XXXX '' in the tax department. He said the property tax in the amount of {$1400.00} which included late fees was paid the prior day. He said the transaction should show online with in 48 hours. I called US Bank on XX/XX/XXXX and spoke to the tax department supervisor " XXXX '' who said the tax was not yet paid and she would have to find out why it was not paid. She assured me the tax should get paid by midnight on the XXXX. I called US bank on XX/XX/XXXX. I spoke to " XXXX '' who said the tax was not paid. XXXX said they would have to get approval to pay any additional late fees and they would call back with an update.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.