davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

I was on an 18 month loan forbearance due to COVID - when it ended I was sent two letters. The first stated at the bottom that I would need to start my regular mortgage payments on XX/XX/XXXX. ( On the second page of this first letter half way down it also mentioned another contractural payment due XX/XX/XXXX. ). 
The second letter that required a signature ( I signed and mailed back by XX/XX/XXXX as requested ) did not mention this XXXX contractural payment at all. This is what I signed and agreed to. I was also told to call and make XXXX payment not to process it on line. I called. XX/XX/XXXX and made the XXXX payment. During that call no one asked about the money which I did not realize I needed to pay on XX/XX/XXXX. I also asked to get back on auto pay, they told me I had to wait to do that. I called back the end of XXXX to make my XXXX payment and was told I had been kicked off the deferral agreement that added my 18 months to the end of my loan agreement and could not make a payment. My only options were to pay the deferred amount or go on a flex modification program that changed my 15 year conventional mortgage into a 40 year balloon mortgage. 
I have had many call and conversations with US Banks Loss Mitigation department and they refuse to correct the mistake. I explained that I was going through medical issues in XXXX ( I had a XXXX leak that was XXXX XXXX XXXX  ) when the deferral agreement was sent out. I apologized if I did not realize I owed money in XXXX and offered to pay that and the XXXX mortgage payment. They told me I could not make XXXX payment. I have put in two complaints asking for my phone conversation records which they have denied. I have also asked to speak directly with someone from that department instead of relationship managers and their supervisors. Ive called weekly to correct this issue and jump through hoops to get a supervisor on the phone. I admit there was an error, but it was caused because of my injury and not clearly understanding. I do not understand why two letters were sent with different information and only one required to sign and return. Also, when talking about money owed it should always be discussed by what is owed first. Why are they focused on what is owed in XXXX, if I also owe money in XXXX? It just seems like a way to confuse people and take advantage of them after they already had issues due to COVID.
Consumer complaint received 2022-10-17
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. (NY)

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 XXXXE XXXX XXXX XXXX XXXX

I DID NOT AUTHORIZED THESE INQUIRIES PLEASE DELETE IMMEDIATELY THANK YOU.
Consumer complaint received 2022-10-28
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. (NJ)

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2022-03-03
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. (MD)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

This relates to 2 transactions I tried to dispute with Chase. 

The first was an ordered placed on XX/XX/XXXX for an amount of {$960.00}. I received the merchandise after the agreed upon date an contacted their customer service to return the item for a refund. Despite following their steps, I never received my refund and they did not respond. After that, I contacted Chase to dispute the charge. A temporary credit was issued while they investigated the charges. 

The second transaction was placed on XX/XX/XXXX for an amount of {$3700.00}. The items never arrived. When I contacted customer service, they assured me they would issue a refund. I waited over 3 weeks for said refund but it never came. I then contacted Chase asking to dispute the charge. 

In both instances, Chase requested additional documentation after I had provided initial information. I asked how I could provide it. I tried calling multiple times and was placed on hold over 4 hours each time. I tried emailing and did not get a response. I tried using their secure messaging through their website and the only response I got was an automated reply saying there are delays. After multiple attempts to provide the requested documentation, Chase declined to issue charge backs.
Consumer complaint received 2022-06-04
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. (FL)

I noticed a charge from my checking account for {$110.00} on XX/XX/2022 that had a memo business registration. While I did start an LLC through the city government page, I did not remember a charge for {$110.00}. Upon further investigation, this charge was unauthorized and was supposedly for an EIN number for the business. EIN numbers are a free service provided by the government, however I did not need any in number and did not apply for one as I am a sole business owner with no employees. I looked into this charge and this company is fraudulent. They provided a fake EIN number to Chase to show them that they provided a service. However there is no EIN number and it clearly shows that on the Florida small business website. They provided a fake document to Chase and Chase never bothered researching it. I have disputed this through Chase, however they denied it and took the money back. I have since called back and tried to reopen the claim, but they refuse. They have allowed someone to take {$110.00} from my account without authorization. They claim that because they have my name and the name of the business, that I would have had to fill it out. All of this information is public on the Florida small business website. It is obviously easy for them to see when people start a new business and pull that information off. If you go to sunbiz.org, click on search records, and look for either my name, XXXX XXXX, or business name XXXX at XXXX 's, you will clearly see there is no EIN number attached to this business. The business you will look under is the one that is active. There is an inactive business in this site from years ago. The current one will show you EIN number does not exist. This company charged my account without my permission or knowledge and did not supply a legitimate EIN number nor was one needed or requested.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.
Consumer complaint received 2022-03-03
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. (TX)

I contacted this credit reporting agency, regarding accounts that was reporting inaccurate, and inconsistent information, and I was notified that their investigation conformed that these accounts were accurate and verified but I asked for a copy of " signed contracts '' and receipts of investigation, and for the bureau to investigate why this information that they are reporting is inconsistent with other reporting agencies. A investigation was not properly completed AND THE INFORMATION ON THE CREDIT FILE WAS NOT VERIFIED, and I was not given any of the documents that was requested, nor was a proper investigation was completed.
Consumer complaint received 2022-10-28
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. (MO)

It has been brought to my attention that the Equifax Credit Bureau is not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint once again to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following inquiries and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have already grew tired of the Credit Bureaus ' stall tactics and their choice of not having the disputed information removed from my Credit File. I am now willing to file a lawsuit against the Equifax Credit Reporting Agency in the event that they still would not remove the disputed items completely from my Credit File. If it is not too much to deal with than facing a lawsuit, please remove the following items removed : XXXX date of inquiry XX/XX/2021  XXXX date of inquiry XXXX/XXXX/2021
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (NJ)

EOS CCA # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX, XXXX XXXX XXXX, and EOS CCA. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Consumer complaint received 2022-08-24
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. (CO)

XXXX  XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

I had this account with Wells Fargo Bank since XXXX. I never had a payment issue with this company. I received a letter in the mail dated XX/XX/XXXX, that states my account is closed due to inactivity. Upon receiving the letter on XX/XX/XXXX, I called and spoke with one of Wells Fargo 's customer service representatives. She indicated that the account was not closed that I need to activate the card then use it to prevent the card from being closed. I explained to the representative that I need to locate the card to activate. She asked that I call back once locating the XXXX. After searching, I located a card that expired XX/XX/XXXX. I called back to advise them I did not find the new card -- and was told by another representative that the account was closed. I asked how so ... when 5 minutes ago the account remained open. The representative apologized but repeated your account is closed. I asked to speak with a manager- I was transferred, but wasn't certain I was actually speaking with management because that person did not provide any assistance other to say I can reapply. I explained Wells Fargo did not provide an opportunity for me to keep the XXXX account open. You never sent a notification prior to closing my account? He did not reply. Only repeated, I can reapply because the credit card is closed and Wells Fargo does not offer that type account anymore. I advise this action does not sit well with me and I will be taking this complaint further. Not only did you not act in my best interest or give me an opportunity to decide if I wanted to close this account... you are not trying to repair the damage you caused by closing my account. My payment history is flawless with your company. And my credit history with the credit bureaus are Very important. By closing my account this will definitely cause an issue with my credit score. Is this some type of tactic Wells Fargo is using to get people to apply for additional credit? I am very disappointment with your service and this company. Why would any company try to penalize a consumer for not using their card?
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

I called Wells Fargo on XX/XX/19 to close out all accounts associated with me or my wife, XXXX XXXX. I was told that my checking account had a negative balance of {$30.00} and, in order to close out my account, I would need to pay that amount before XXXX EST. I immediately went to a Wells Fargo location and submitted this amount. I was assured that my account was then closed. However, it was not. I have incurred fees from recurring payments that I had yet to change. I was under the informed impression that my account was closed and I would not incur any additional fees. I tried to rectify this situation, on XX/XX/19, by calling Wells Fargo customer support. I was passed around through 7 different individuals, all of which to say that there was nothing that they could do to fix my problem. I was under the impression/information given to me, that my account was closed. These additional fees amount to predatory lending from an account that I have held for over 20 years with Wells Fargo. I need a solution. Please.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NH)

In XX/XX/2022 my statement from Shop Your Way Mastercard charged me interest for late payment of the amount charged in XXXX, XXXX. The payment was due on XX/XX/2022 and their records showed that the payments were made on XX/XX/2022. I called the Customer Service line and when they reviewed the transactions they agreed that the charge was incorrect and told me they would eliminate the interest charge, so, I made a payment less the interest charge. 
I just received the XX/XX/2022 statement from Shop Your Way Mastercard, and they did it again. This time the payment was due on the XXXX of the month and the payments were received on the XXXX of the month. 
When I called them, they refused tor waive the interest stating that I had not paid the prior balance in full. It didnt ' make any difference how many times I explained that the balance paid was the amount less the interest I was illegally charged, they insisted that the balance for the prior month had to be paid. So, basically, they are charging me interest on interest which is illegal. 
You assistance in investigating Shop Your Way Mastercard appears to be necessary
Consumer complaint received 2022-09-30
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. (NC)

I had a hard inquiry on my credit report via Equifax from : Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is XXXX  XXXX. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that
Consumer complaint received 2020-02-17
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. (CA)

I signed up for multiple Citi AAdvantage credit cards due to their advertised perks, sign-up bonuses, and mileage earning on purchases. The terms of these offers were clear and applicable to me, and said that I would receive bonus miles after completing certain spending requirements. I completed the requirements and the miles were deposited in my AAdvantage account per those conditions. 

On XX/XX/2020 I received an email from XXXX XXXX Corporate Security indicating that my Advantage account has been terminated and all of my miles are forfeited, without notice, and that these violations are related to the accrual of ineligible miles and benefits. At the time, I had a large mileage balance of AAdvantage miles that I had earned with my Citi AAdvantage credit cards. 

The AAdvantage miles earning ability and signup bonuses associated with my Citi AAdvantage cards was clearly advertised, and Citibank approved me for these credit cards knowing the AAdvantage program Terms and Conditions. At no point during this process did I participate in fraud, abuse, or misuse. Citibank claims they are unable to help, although they entered in a contract with me to provide those miles. It appears Citibank or XXXX XXXX is uncomfortable with the amount of miles I earned using their promotions, and do not wish to honor their part of the contact.
Consumer complaint received 2022-03-03
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: ACIMA CREDIT, LLC (NC)

I sent a letter back in early XXXX to Acima requesting that they do not furnish any of my information to the Credit Reporting Agencies. They ignored this request and furnished the information anyways. 15 USC 1681 2 ( a ) ( i ) clearly states that any transaction or experience between the consumer and person making the report is to be excluded. This means that they are not to furnish my credit limit, payment history, or remarks. This is the Law and they have clearly violated it.
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NJ)

Affirm issued a loan ID : XXXX, for {$600.00}. I only used {$300.00}, which is already paid. 
The loan is still active and there is another {$300.00} dollars scheduled to be paid in XXXX. 
Spoke to support, and a supervisor, which is very hard to do. 
They explained the loan is active because there is a {$5.00} dollar charge pending for 3 weeks. 
They say they can't do nothing about it. While I will be over charged. 
They suggested me to contact the merchant overseas, and resolve it with them which is not acceptable, as this should have executed, or aged out. The supervisor was somewhat rude, and unwilling to help, or do nothing. The digital assistance is useless, and the website, is useless as well. I got the phone number and contact information outside the website, as they make it impossible to contact a person. The system does not work, to send email/messages, as the loan was not found, and requires full id.
Consumer complaint received 2019-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (FL)

My XXXX XXXX was totaled & at that time ford motor credit claims we owned them over 2600.00 in unpaid late fees. To my knowledge the car was paid in full & now ford can not produce any info on what we owed. They say it was 1 payment we owed. My records & the website said paid. They claim there is over 2000.00 in attorneys fees? We never received any info in the 4 years I had paid it off. Again they can produce no info on the amounts. They refused to release title & we had to buy a new car. How can you be forced to pay without any info on amount. They have no record of any fees due.