davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I am currently out of the Country and have had my account blocked. Prior to traveling I contacted Chase twice via phone and asked if I needed to notify them that I am traveling and they specifically told me I didn't need to let them know and that I would have to problems. Now that I am in XXXX my account was blocked by their fraud department. I contacted them and they told me that I had to physically go into a Chase Branch and verify personally. I am in a country with no Chase Branch 's so how can I go into a Branch? I have spent literally all day on the phones, have even contacted someone in a Branch back home. He is trying everything but even he is getting blocked. 

This is unsatisfactory to say the least, does this mean that when I travel Internationally I loose access to my funds? I have even sent photo 's of myself holding my passport to the Branch Employee back home and he tried using them but was told that wasn't authorized. 

So as it sits my account is blocked, I am in a 3rd world country and Chase has an impossible requirement to gain access to my funds.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. 

Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. 


Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
Consumer complaint received 2022-11-23
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: CITIBANK, N.A. (TX)

On XX/XX/2022, I mailed a letter to XXXX regarding the debt they placed on my credit report for {$1500.00}. I requested validation of this debt. I have no knowledge of this account. 
On XX/XX/2022, I received a letter from XXXX acknowledging that they received my dispute however they refuse to validate or send me any documentation to validate the claim they place on my credit report. I have never done business with this company. 
They claim that Citibank SOLD my personal and private information to them, which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 

XXXX XXXX XXXX claims I owed them {$1500.00}. I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ). 
My personal and private information was obtained and SOLD to other organizations as well, such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders. 
.
Consumer complaint received 2022-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I took out a loan in 2009 through Navient in order to attend XXXX University for my XXXX degree. They made it seem like the general principle interest wouldn't be that much and they recommended to me and my parents that I could defer the payment after I graduated. I deferred my payments and attended Arizona XXXX for 2 years to attain a XXXX XXXX and by that time while I was in " default '' of the loan my interest accrued exponentially. There was no mention of the accruing interest of what they originally told me and for the past couple years I have been stuck with huge debt. 

Last week someone had mentioned to me that there was a lawsuit against Navient and their fraudulent statements of borrowers like me. It was stated the settlement would forgive the current debt, but nothing has changed in my account, nor a letter from them about this. I didn't want this to be swept under the rug and am asking for your help.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc (CA)

On or about XXXX I applied for a refinance loan with a company called Intelliloan , Inc XXXX I have struggled with this company for 100 days trying to get this loan completed only to get a last minute we can't do this loan as it was told to me by a company representative. In order to get to this final position in the loan process, I had to obtain an appraisal for the property in question at my own expense. ( {$1200.00} ) After doing so and going through this long process that would normally take 3-6 weeks I was told that there would be no loan given at this time. This lender was extremely difficult to work with. After the turn down of the loan to me and my wife we decided to go to another lender. I asked the lender for a copy of my appraisal that I had paid for so that I may be able to submit to another lender. That lender gave me a partial copy of the appraisal but NOT a full and complete appraisal so that I may use it with another lender. 
They ( the lender in house legal department ) said that they do not have to give me a complete copy of the appraisal and that all I would receive a what they sent me already. 
I had explained that I wanted a FULL and COMPLETE copy of the appraisal that I paid for or it would be useless to use with another lender. There response was still a resounding ( NO ) I want my money back for this lost expense that I was not allowed to use by this lender. Can you help?
Consumer complaint received 2022-11-23
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

I had a case opened earlier ; but it was closed and I received a letter stating that the case looks to have been computer generated/not submitted by me. The previous case # is XXXX. 
I opened this Purchase Protection Claim with my credit card/eclaims on XXXX XXXX, XXXX. As of XX/XX/XXXX, the claim has still not been actioned on by the provider. After initially submitting the claim, I did not find out that the claim agent needed additional paperwork until I called in 3 weeks later to follow-up on the status ( email follow-ups were not being replied to and required me a call to get any sort of reply ). When I called, the agent on the phone apologized and informed me what documents were needed. I submitted them the same day. I followed up again 5 days later, and I was told that the claim is under review and I would be updated by the latest at the end of the following week. This cycle of me calling in and being told it's under review and to call back end of the following week has continued since. At one point, the claim portal online showed my case as CLOSED and I had to call in to get them to update the status. I've reached out to Chase, XXXX, and Chase Sapphire Reserve over email, and to Chase over XXXX. I'm just told it's under review. When I press for a timeline for next steps, update, or anything of the like, I'm told there's nothing I can do, and no ETA that can be provided. Per the Purchase Protection section of the Benefits guide for Chase Sapphire Reserve : No legal action for a claim may be brought against the Provider until sixty ( 60 ) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than three ( 3 ) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully. Forget the 5 day response time- they're way past even the legal action timeline. 
To date, XXXX. XXXX, XXXX, eclaims and Chase are refusing to give me any information or update aside from they're working on it. Could you please help? 

Additional claim details below. 
File XXXX Claim Type : Purchase Protection/Security Incident State : TX Purchase Date : XX/XX/XXXX Claimed Amount : {$15000.00} USD
Consumer complaint received 2020-03-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MT)

I was informed today, by letter, that Chase Bank has sold my mortgage to XXXX XXXX   XXXX. This company is a debt collection company fronting as a mortgage company. I looked for reviews on XXXX and found an over abundance of terrible rating complaining about things such as charging fees for paying mortgage, inflating escrow payments and poor customer relations. 
I don't want my mortgage to sold to a cut throat debt collection agency posing as a mortgage company. There are literally hundreds of on line complaints ; where is the federal government?
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is engaging in fraudulent business practices by charging me excessive overdraft fees, then claiming my bank is overdrawn by over {$1000.00}. The only reason my account was overdrawn by over {$1000.00} is because Bank of America has been engaging in fraudulent business practices. In addition, Bank of America fraudulently reported my name to XXXX and XXXX even though Bank of America charged me excessive overdraft fees. Bank of America is engaging in illegal acts by charging excessive overdraft fees then reporting me to XXXX and XXXX after charging me those excessive overdraft fees in excess of {$1000.00}. Bank of America is engaging in fraudulent business practices and false advertising.
Consumer complaint received 2022-11-23
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-15
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)

There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.
Consumer complaint received 2022-03-15
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 don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit report.
Consumer complaint received 2020-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report.  XXXX also has no record on file for this account
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU (OR)

Creditors Bureau USA has contacted me several times regarding a debt I supposedly owe to XXXX in California. I have asked for verification of the debt such as an order form, doctors authorization, and whether it was submitted to my insurance company if it was a legitimate service, but all they send me is a computer printout saying that is the validation of the debt. I live in XXXX, my doctor is in XXXX, and I find it odd that a California laboratory would be involved in my care. If it was however, they should have submitted it to my insurance and contacted me immediately if there was a problem. Their bald assertion that I owe this money and that it is up to me to prove that I do n't is ridiculous.
Consumer complaint received 2022-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CA)

smile dental applied and received a high interest loan in my name without my signature or my permission, I only gave Greensky permission to access my credit score, I was led to believe for several months during the procedure that i was receiving the service that i had requested, during this time I made a total of 7 payments in the amount of {$750.00} each. 
I was told that my total payments would amount to XXXX for the services that i had requested, I after receiving services other than what i had requested, I was made award that the total was XXXX I never signed any contract via XXXX never agree on any type of interest rate whatsoever
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

This account was not late, the error was on macys part, not mine. this was to be corrected on Macys side they never corrected. It was not late, they charged me a late fee when my payment was made. i was not aware i had a late fee and cause the account to be late. Macys did correct the issue but never updated credit report XXXX XX/XX/2021 2021
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

We call the BP Credit Card Company XX/XX/2021, we requested new cards due to the fact we lost our new cards. 
We were told ( tape recorded ), we will be sending you new credit cards in the mail for BP. 
I have had this account for over 25 years and never been late. We managed to pay off the account the first of XX/XX/2021. 
We just found out after calling for a new credit card the account was closed without any notice. 
We never received a notice in the mail on why BP card Synchrony Bank closed the account. Under Federal laws the bank must give us a 30 day notice outlining why the account has been closed. 
We understand that Synchrony Bank has retaliation against us for filing complaint regarding our XXXX account just a few months ago We have a right to know why BP Synchrony Bank closed our account after they told us they were going to issue us new cards on XX/XX/2021 ( tape recorded ). 
THIS COMPANY HAS TO SHOW CAUSE FOR why they closed our account. The account was in good standings and we have never been late for any payments. 
We are asking for a full investigation to this Banks behavior
Consumer complaint received 2015-09-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I attended the XXXX XXXX in XXXX XXXX and the XXXX XXXX in XXXX, resulting in over $ 100k in student loans. I believe this to be fraudulent since I was never told of this amount and the school is currently under investigation for fraud from the US Dept of Justice. 
But today my complaint is about XXXX XXXX/Navient. 
I suffer XXXX and was unable to find employment. I qualified for a XXXX Discharge. 
Recently, this year of 2015, the XXXX XXXX XXXX and the Federal Government have granted my XXXX application for over $ 60k of the overall student loans. It took four months to process my application. 
Navient XXXX XXXX XXXX XXXX have denied my XXXX application for the past two years for $ XXXX in Private loans. 
They continued to send me bills during the review process. Both Navient and XXXX XXXX have told me that there was no XXXX discharge for the Private Loans when I had the very forms in my hands. 
Navient told me that the insurance company that evaluates my application makes the final decision. When I called the insurance company they told me that Navient makes the final decision. 
Even after Navient learned of my XXXX approval from the Federal Government, they still denied my application. 
I believe that Navient will never approve my application even though I had a XXXX fill out the XXXX application more than once. I no longer trust this company and am unsure how to act. After I read of the possible lawsuit and the complaints from other borrowers being cheated and overcharged, I decided to submit this complaint for assistance. 
I am filing this complaint for further assistance and hopes of resolving the matter. I can provide documentation of my XXXX approval from the XXXX XXXX XXXX XXXX and the denial letters from Navient/XXXX XXXX as well as personal documentation.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I was current with the previous mortgage servicer XXXX XXXX XXXX  until the COVID XXXX pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a XXXX but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying XXXX in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the fact XXXX approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments