davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (TX)

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.
Consumer complaint received 2015-04-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (NJ)

My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NM)

XX/XX/2019 XXXX charge back done on amount of XXXX upon doing so I was notified that a refund was being held by XXXX for the amount of charge back and told that they must wait till netspend releases the charge back I contacted netspend to have this charge back removed told netspend why I needed it removed and had netspend corporate office check with XXXX on said hold of fund to make sure removing charge back was the proper action netspend corporate assured me that in doing so after they checked with XXXX that yes XXXX had the XXXX on hold and dropping the charge back would in fact allow XXXX to issue me my money well that was not true XXXX upon netspend releasing charge back XXXX did not have any funds now this was all recorded and if investigated will show the netspend corporate office told me false information that lead to me losing any ability to reopen a new charge back against the merchant for the amount of XXXX and I have tried to resolve this with netspend corporate office I have been a loyal customer with them made many deposit the refuse to even look back on what took place on the phone conversation I really would thank you so much if you can help me to resolve this also netspend passes it off to XXXX telling me it's there problem and XXXX says that netspend is the one that is responsible this is a mess and I lost a amount of money I cant afford to lose
Consumer complaint received 2022-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

The company Navient has been illegally attempting to collect payments from me since XXXX 2022. I have reached out several times reminding them that the current laws according to the XXXX XXXX state that there is a pause on XXXX XXXX XXXX until XX/XX/2022. They are now threatening me with defaulting on the loans. They have made it impossible to communicate via email, or customer service to speak with anyone who can correct this illegal attempt of coercion. I am fully aware that this company is involved with several class-action suits because of their repeated illegal tactics, misinformation, and harrassment. I want them to repeal all monies and interest rates immediately.
Consumer complaint received 2015-05-12
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Three B Financial, LLC (LA)

I received a payday loan from this company.I notified them more XXXX days in advance as they only require XXXX days notice by email and I also called.I asked to be set up on a lower payment of {$50.00} because my hours at work were reduced dramatically and I also notified them that they did not have my authority to deduct any amount in any form from my checking account.I was denied and was told that my only option would be to pay it out. If I could do that, that would have been done.This company is going to deduct from my account without honoring my request.
Consumer complaint received 2022-11-21
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. (PA)

I am filing a formal complaint against Equifax Information Services, LLC. On XX/XX/XXXX, I disputed the validity of the payment history for the XXXX XXXX XXXX XXXX - XXXX XXXX  account. 

On XX/XX/XXXX, Equifax advised that my disputed information has been verified as accurate and other account information was updated. 
Can you please advise how it is accurate that this account was current in XX/XX/XXXX, and then charged off in XX/XX/XXXX? 
Can you please advised how the account had a balance of {$1200.00} in XX/XX/XXXX, a payment of {$160.00} was made, but the balance did not decrease and remained at {$1200.00} in XX/XX/XXXX? The subtraction methods I learned in school seem to say otherwise. 
I have attached my previous dispute from XX/XX/XXXX, the Equifax response, and an updated credit report from XX/XX/XXXX. 
This appears to be a violation of the FCRA and I hoping that you will be able to provide assistance with getting this matter resolved. 
It is extremely petrifying and concerning that I dispute inaccurate and incomplete information, its verified as accurate and then MORE inaccurate information is reported. DELETE this account!!
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/XXXX we flew from XXXX to XXXX XXXX. While on board XXXX  was advertising their XXXX XXXX. We were very specifically told that the {$99.00} annual fee was waived for the first year. The flight attendant told said " I do this promotion myself every year because you literally get XXXX miles for just buying a cup of coffee. I've since noticed that I was charged a {$99.00} fee and when attempting to contact them on XX/XX/XXXX I was told " After reviewing, our records do not show that the annual fee will be waived for the first year. '' On top of this, they linked the wrong frequent traveler account to the credit card and are telling me it will be another 1-2 months before I see the reward miles.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

in XXXX my cards were stolen. my Chase atm card and my capitalone cards. i reported my cards being stolen to teh financial institutions. XXXX did they investigation and found that the charges were indeed fraud so they refunded me and mail me new card. i feel like i was victimized twice chase did the same, refunded me but then again took teh money back stating that a pin was used. The individual that stole my card did 4 different transactions at different banking location and different times, one of the transactions was done at XXXX. the transaction that were done on XX/XX/XXXX i was out to dinner for my birthday which i have proof and faxed all the proof i had to Chase so they can see that it was not me that did those transaction. i also obtain a police report so they can review the cameras at the ATm location to show that it was not me. Chase refuse to view the camera and pay me back. {$720.00} withdrawal was done. Chase told me to take this outside of Chase for results. this is why am contacting you. I went to the branch several times sat with a banker, Chase ; s claim dept will not even try to review and reopen my case. the claim number with chase XXXX here are the transaction dates and times ATM time XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, {$200.00}, {$200.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX please help me to get my hard earning money back. i work at a XXXX  and had to work OT to save this money. 

Thanks
Consumer complaint received 2022-02-21
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-21
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. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-21
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. (NY)

I am frustrated to see Equifax stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed items belong to me, and yet they sent me nothing! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifaxis neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I urge Equifaxto please remove the accounts from my file : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (KY)

JP Morgan Chase keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Consumer complaint received 2022-11-21
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 2022-02-21
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. (MD)

Equifax, XXXX, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (FL)

Lis Pendens finally released after fighting with GreenTree/Ditech with the help of HUD, XXXX, XXXX and Florida 's Hardest Hit. However, the process was a nightmare with Ditech they did everything possible to foreclose on us luckily I had big guns behind me. The rep from XXXX ( HUD affiliate ) had to do a couple of conference call with Ditech and myself on the line to straighten Ditech messes up..after getting all the paperwork for re-modification which was submitted in a timely manner TWICE received letter from Ditech informing us we were denied modification as they did not receive paperwork on time. When the XXXX package of identical paper arrived at my house I contacted XXXX Our rep from Greentree, the only person I was allow to speak to at Greentree, Of course as always XXXX does n't answer his phone ever, left voice mail asking why do I have these same doc 's what should I do ... .No response ... called again ... voice mail to date I have not heard from XXXX ... NO letter no call just left me hanging so, another XXXX conference called got it straightened out to which Ditch admitted they Had all the paperwork needed for the re-modification but, we did n't sign the papers in the right way ... so DENIED!!!!. It 's been a total absolute NIGHTMARE dealing with this company..true bottom feeders. Re-Modification started XXXX 2015. When submitting XX/XX/XXXX payment via XXXX XXXX XXXX, ( can not trust Ditech website to actually process a payment as I can not Even contact them using their own contact form.on their own site, advised the company several times, no improvement ) noticed a fee of {$55.00} thinking that was a late charge I emailed the company using an email address from customer service, Ditech states it can take up to a month for an response. Today I received a letter from Ditech referring our account to a specific rep and contact her only, no answer to previous email. Called the rep today and asked why is my account being charged for XX/XX/XXXX and Now XX/XX/XXXX a {$55.00} fee, what is that for??? Informed that my payments went up an additional {$55.00} per month for the next 10 months for legal fees. Amazing that fee just occurred in XXXX 2015 and not on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XXXX 2015 started in XX/XX/XXXX No letter stating anything no correspondence of any kind alerting me to the increase of any fees ... After all the work to get our account current I am now behind exactly {$55.00} for fees that JUST Appeared ... Spoke to Ditech manager and lost it after all they have put me personally through I am going NUTS with this company and I can honestly say I hate them. Yet, here they are working with XXXX a federal government program for the people and XXXX is now connected with the lowest of the low, complaints reign supreme for Ditech so, ranting online about them is useless Yet, they giving out loans via XXXX I want to warn Americans STAY AWAY FROM DITECH. XXXX Pay attention to Ditech..they are the worst mortgage company out there
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MN)

The original account was with XXXX however, it was sold twice so how can XXXX continue to update my account with inaccurate information. The account was settled and paid to Nationwide Credit in 3 installments of {$180.00} each. XXXX continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ),  XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is XXXX continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. XXXX reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with Nationwide they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does XXXX own my account still or does Nationwide Credit?
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (CA)

I opened a MoneyLion checking account in XXXX, 2019 in response to their Pave the Wage advertisement. 
I installed their mobile app and clicked " opt in '' on the in-app advertisement for the Pave the Wage promotion. 
I direct-deposited over {$3000.00} per month in XXXX, XXXX, and XXXX. 

I subsequently emailed their customer support twice, once in XXXX and once in XXXX, to confirm that I had successfully opted in to the promotion. XXXX and then XXXX responded, but the answers were robotic and unhelpful - same form response when I replied to confirm. 
I later opened another support request in XXXX. Their support ticket system had changed. XXXX confirmed that I had opted into the Pave the Wage promotion but that I was " not on the list. '' She said " I am escalating this to have them add you to the list. '' I wrote in a week or two later, and XXXX XXXX explained that there is " nothing needed on [ my ] end '' and that the " issue has been escalated for review and to be added on the list once confirmed. '' He or she said " there is still some processing for review on this feature. '' I opened more tickets over the following weeks and months, but customer support reps XXXX and XXXX were unable to locate my account. I used the same email every time. XXXX did not answer, but explained that they had " higher volume than normal '' and told me to call. After half an hour on hold, I gave up. 

I am owed {$590.00} per the terms of the Pave the Wage promotion but have received nothing.