davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

My name if XXXX XXXX and I am writing to see if you can help me with a Student Loan situation. My niece, XXXX XXXX XXXX, was attending XXXX XXXX XXXX of XXXX in XXXX. I co-signed 2 private loans for her in XXXX & XXXX. XXXX was diagnosed with XXXX XXXX XXXX & XXXX. We submitted the proper forms to Navient to have the loans forgiven due to her health & that she is not able to work & pay for the loans. Navient finally notified her that the loans were forgiven her due to her medical condition. But, they have advised me that I am still responsible to repay the loans. I am a single XXXX yr old retired XXXX XXXX XXXX XXXX & my only income is from Social Security & minimal pension checks from prior employment. My income is barely enough to pay for rent, food, & medications. I am in no way able to pay these loans & feel that since the loans were forgiven XXXX they do not exist any longer & I should not have the burden of paying on them. Please advise if there is anything that you can do to help me resolve this stressful situation. I will provide the loan information on the XXXX loans for your consideration in this matter : Student name : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX # : XXXX in the amount of {$15000.00} & XXXX in the amount of {$7900.00} I am the co-signer : XXXX XXXX XXXX NAVIENT CREDIT FINANCE CORP XXXX. XXXX XXXX XXXX, Pa. XXXX Any help you can give me in this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-17
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)

Equifax : An installment account that is Still listed on my report despite it being Over 10 Years Old. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. '' I have Already submitted this through the Equifax Dispute Portal
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I checked my personal credit report, which I acquired from your organization on and I noticed unauthorized credit inquiries had been made. 

I contacted every source of the unauthorized inquiries, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile and they told me I need the credit bureau to remove because they can not find any information on these. 

I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report. The unauthorized inquiries is as follows : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020,  XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020 If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank refuse to provide invoice/receipt for Mortgage service XX/XX/2020. Citibank agent XXXX XXXX ( XXXX ) processed my Citi bank mortgage application and charged me {$750.00}. I think it is reasonable that the application fee is unrefundable. But XXXX XXXX refused to provide me a receipt or invoice for the application fee. 

In her email : Hi, I was told that there is no invoice for application fee : this is all we have. 

Credit Card Launched {$750.00} Your credit card transaction was successfully authorized at XX/XX/2020 XXXX CDT. 

Authorization # XXXX Thank you, XXXX XXXX Dedicated Lending Associate Assistant to XXXX XXXX Citibank , N.A . 
Direct Number : 4XXXX XXXX NMLS Identifier : XXXX Documents can be sent via email or fax please include last 6 digits of loan number. 
For e-mail send to : XXXX For Fax : XXXX
Consumer complaint received 2020-12-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

A company called, NAVIENT, calls our residence 3-to-5 times everyday. Twice it has been explained to them that there is no one in our household who took out ANY student loans, but the calls just keep coming in, and the call log on our phone is filled with their calls, but no message is ever left by them. Here is just a small list of the recent calls we have received from them over a period of a few days : From Number XXXX Date : Time : 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$4000.00} US DEP ED XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}
Consumer complaint received 2020-12-04
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. (MN)

Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXX ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.
Consumer complaint received 2020-07-17
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. (NY)

I am submitting this complaint about XXXX XXXX XXXX I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.
Consumer complaint received 2020-07-17
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. (CA)

I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MS)

I saw on my credit where a collection had went on. I had already addressed this issue with XXXX XXXX XXXX and another debt collection company that this was fraud. They agreed and took it off my credit. Now a year later another company is trying to collect on it
Consumer complaint received 2020-07-17
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2021-09-02
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: SYNCHRONY FINANCIAL (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/TJX Account Number : XXXX This is not mine.
Consumer complaint received 2020-09-12
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. (LA)

XXXX XXXX  is trying to collect on an account which is paid with original or creditor XXXX I am in a open account with this is not closed which they are reporting
Consumer complaint received 2020-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CT)

I am writing to you today regarding the following business account : Vehicle : XXXX XXXX XXXX, VIN : XXXX. 

The account is handeled by JPMorgan Chase Bank. I am really surprised about how this company has been committing multiple violations to my rights. This dispute is the result of a detailed reaserch that took me a lot of my time. 

Please, I ask you to send to the company involved, the attached documents that proof all the violations committed by Chase. 

Thank you, CFPB.
Consumer complaint received 2020-07-16
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. (OH)

I made a purchase via sellers website XXXX XXXX XXXX on XXXX using Chase Freedom Unlimited Visa Card. I bought the coffee machine for {$430.00}. The seller gave the tracking number for the shipping but I never received the item. So, Ive contacted XXXX customer service to verify the delivery. The XXXX checked the tracking number provided by the seller. The XXXX said that the package was actually originated from the XXXX not from the seller and the shipping label says the recipient is not under my name but someone elses name. The XXXX also verified that recipients address is not mine on the shipping label. 

So, the shipping company says the package isnt under my name nor under my address. 
XXXX says the seller is some type of fraud and suggested to report to the bank. I reported the seller to FBI and as of now the sellers website is down. 

Later I found out the seller used the bogus shipping tracking number to trick everyone. Because I made purchase on XXXX, but the shipping tracking number says delivery date is the XXXX. 

I disputed the charge with credit card company, but the Chase said the charge is valid even though I provided evidence that the package was delivered to someone else. I talked to the supervisor but he would not take any further actions. 

I think the Chase is trying to pass down the loss to me which isn't fair and I am not sure if this is legal.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Initiated an internal transfer between 2 Chase Checking accounts on XXXX for {$5800.00}. Apparently Chase had put an account hold or freeze on the receiving account due to a recent check deposit. The transfer was not completed. However, the transfer was not reversed and the funds were not returned to the originating account timely. I called the customer service line on XXXX, was transferred about and was advised it would be 2-3 business days for the funds to be credited back. This is a transfer between 2 internal Chase accounts. I find it unacceptable that in not being able to complete the transfer as requested, the funds were debited from the initiating account and will not be reversed/credited back for 2-3 business days. Furthermore in trying to work with the agent to determine if there was some way for the credit to be expedited, the call was dropped and no one attempted to call me back. When I called back again, I was transferred about and placed on hold for 10 minutes only for the call to be dropped again. 

Very disappointing to have the issue in the first place and not be able to successfully connect with anyone to resolve this issue timely.
Consumer complaint received 2022-01-06
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. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

On XX/XX/XXXX a collection account appeared on my credit reports from AFNI for a supposed debt of {$460.00} to XXXX. This account states it was placed for collection on XX/XX/XXXX. I have no recollection of this collection account. I have had an account with XXXX since XXXX ; it is up-to-date and active.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MD)

1. TMS ( XXXX XXXX is having systemic IT issues negatively affecting me and several neighbors whose loans have been transferred to XXXX XXXX. I bet this is affecting their wider customer base/ 2. TMS, as the servicing arm of XX/XX/XXXX my refinance company, set up a new loan for me in its system on XX/XX/2020. No payment was due for XXXX as shown on their monthly statement ( attached ). 

3. My first payment was due on XX/XX/2020. I made the payment on XX/XX/2020. Proof of payment clearing from my bank is attached. Proof that TMS applied the payment as shown on the monthly statement is also attached. 

4. On XX/XX/XXXX TMS sent an incorrect Goodbye letter Dated XX/XX/XXXX saying that the loan will transfer on XX/XX/XXXX to XXXX XXXX, but that consumers are liable for making their XX/XX/XXXX to the new servicer which does not even have the loan onboarded. 

5. Unexpectedly, on XX/XX/2020 TMS moved my XX/XX/2020 payment to a suspense account causing me to show as delinquent on the XXXX payment. It then transferred me as delinquent to new servicer. 

6. TMS managers stated on the phone call that I can ignore the issue and that I will not be transferred as delinquent to XXXX XXXX. They apologized profusely about the incorrect goodbye letter and stated that to get it corrected I must send a Notice of Error, which I did to theirXX/XX/XXXX, CT address. I have not heard back yet. 

7. On XX/XX/2020 TMS reported me late for the XXXX payment. Again, proof of timely payment and payment application is attached. 

8. On XX/XX/2020, the new servicer onboarded the loan and stated that I was transferred as delinquent on my mortgage and that TMS never sent over the XXXX payment. The new servicer wants me to make the XXXX payment again to come current.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I noticed that my two Citibank checking accounts had a $ XXXX   monthly fee for the first time in years. Nothing changed with respect to my accounts meeting the criteria for monthly balance over $ 10K and monthly direct deposit, and I called Citibank who told me this was a system error. Citibank did correct the error, but I am raising this complaint since I had to notice and call in to get this issue remediated, and it's important to me that Citibank takes more proactive action to make sure its other customers are not harmed.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

My father, who has a Wells Fargo account, wired me me {$5000.00} USD two times into my Wells Fargo account. Once on the XX/XX/XXXX and once on XX/XX/XXXX. Only one {$5000.00} transfer was completed, and the other one has not yet arrived as of XX/XX/XXXX. 

It is not an error on our part, such as typing in the wrong information, as the information was already saved in Wells Fargo 's system. And as additional proof, one of the {$5000.00} arrived promptly and the other {$5000.00} was sent using the exact same information. This is obviously an error on Wells Fargo 's part. 

My father contacted Wells Fargo and are very uncooperative. They've initiated a trace, but whenever we contact they are very dismissive and try to brush the issue aside. They are also unwilling to refer us to higher ups who can answer our questions. Since the money was transferred from one Wells Fargo account to another, tracing it should be very easy. I needed this money a long time ago and the longer I wait, the more damaging it is to me.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

The account in dispute is a Business Credit Card account through JP Morgan Chase Bank. I left the business and my former business partner agreed to take ownership of the credit card account. The transfer paperwork was signed and submitted to JP Morgan Chase Bank over six months ago. JP Morgan Chase is still harassing me about the credit card and refuses to transfer ownership to my former business partner.
Consumer complaint received 2020-07-14
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-14
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. (NJ)

On XX/XX/XXXX I book vacation thru website XXXX for a trip to XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I used my Chase Visa debit card to make payments of 6 equal payment of {$350.00} to XXXX. First charge was XX/XX/XXXX, second charge XX/XX/XXXX, third charge XX/XX/XXXX, fourth charge XX/XX/XXXX, Fifth charge XX/XX/XXXX. The last final charge was not done because XXXX XXXX  on XX/XX/XXXX issued a notice on their website that my resort booking was cancelled automatically and my last will not be taken. No one at XXXX has answered their phone, texts, or email. I filed with Chase debit back in XXXX, got provisional refund but Chase reversed the charges 2 weeks ago. I contacted Chase again to day and agin was denied because chase stated thats Visa not Chase is not liable for any charges beyond 120 days from the first charge back on XX/XX/XXXX. I stated that XXXX closed their doors and stop answering any questions on XX/XX/XXXX. I filed services rendered in XXXX. Chase still insisted that i didnt file in a timely matter, which is 120 from first charge. My total amount is 5 chase debit payments of {$350.00} = {$1700.00} and a initial {$40.00} payment to XXXX on the initial confrontation. Total of {$1800.00}. 
I have all Chase Visa debit transaction details printed and also XXXX statement.
Consumer complaint received 2020-09-12
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)

I recently reviewed my credit history and noticed inaccurate accounts and inquires that are not to my knowledge. I did not inquire nor did I authorize any of these businesses to access my information for any reason at all. These are fraud accounts because they weren't my doings by any means. I would to see these accounts removed as possible.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MI)

I just received by email a copy of account summary from accounts Netspend decided to transfer to one account. 
Netspend refuses to allow me disputed unauthorized transactions on charges I just became aware. 
Netspend also refuses to provide a provisional credit within 10 business days of unauthorized transactions they did allow me to dispute on my current card. 
Netspend did credit my account for prior unauthorized charges but did not credit me their arbitrary and capricious transaction fee.