davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (OH)

Initial contact was made on XX/XX/2022 with XXXX XXXX  Had shopped around for HELOCs and different minimum requirements and closing dates. Proceeded with lower.com because was told could close within 30 days when other companies notified us it would be 45-60. After 45 days attempted to reach loan officer via email and voicemail and did not receive returned call or email for 2 weeks after I left a voicemail for management. That is when we were notified it would be 120 days likely to close. No one contacted us back until they needed a few more things to finalize loan. We were then contacted to set up closing. None of the settlement documents were provided to us nor a loan amortization schedule prior to closing. At closing we were presented with a loan including closing costs that were not previously discussed. We were not provided current rates that were applicable. There was a daily interest rate of $ XXXX with no breakdown or explanation of charges. We have refused to sign closing due to failures in communication during process that we feel would have prompted us to withdraw application sooner. I have all communication in writing.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My bank has denied my claim for undelivered goods. The merchant stated on their website that all packages will be delivered with a signature release. So I ordered an expensive parcel and I trusted that it would be delivered upon the release of my signature. I never got the parcel and it was never signed for. The proof of delivery signature says " FRONT DOOR '' so no actual signature was taken. I would like to be refunded my money for this order.
Consumer complaint received 2022-09-17
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. (NV)

iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX, equifax, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things
Consumer complaint received 2021-07-20
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. (MS)

Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX  and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over XXXX changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from Equifax and XXXX showing no changes noted. I have yet to receive a report from XXXX So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MA)

Westlake financial has been issues with there online system for months at least for me now I'm behind trying to pay them cash at a XXXX XXXX store which costs me XXXX at a time. I try paying online dont work. Then they charge fees which I want cleared already complained XXXX and attorney generals office. I pay cash at small amount to make sure it clears at system. But to pay online it dont work. I've heard bad stuff about this company
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (TX)

XX/XX/XXXX Vehicle was repossessed sale or intent of notification to sell was not issued Loan balance is {$13000.00} Car value at the time of repossession {$12000.00} remaining balance would have left a {$1500.00} balance give or take fees Spoke to the company about my debt around XX/XX/XXXX to arrange a payment schedule on the remaining balance however their 3rd party debt service vendor was not very helpful and tried to say that restrictions set in place by the loan provider does not allow for a low settlement payment the payment offered was {$8000.00} for a settlement to be paid in {$2000.00} a month payments for 3 months this is highly unacceptable and also the refusal to update information on my credit reports if I did start to pay the balance is unacceptable and is a Vicious debt collection practice
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase has charged off my account ending in XXXX and reported derogatory information to credit reporting agencies resulting in the loss of more than {$30000.00} in credit and the loss of employment. 

The account was not delinquent or owing in anyway. In fact, Chase owed me nearly {$1000.00} in Rewards Points which I was prevented from receiving. 

The money Chase alleges to be owed on the account was the balance remaining from charges I had timely and appropriately disputed, which Chase did not investigate and for which Chase ignored all appeals on my behalf to investigate/reinvestigate. 

One portion of these disputed charges involved a company against whom I had filed a Federal complaint, the company has since been sanctioned and closed. Chase gave them my money despite my clear and timely dispute. Chase did not review my documentation or investigate my claim. 

A second portion of the disputed money involved a merchant with whom I had disputed several items, none of which I received. Chase inexplicably provided credit against only a portion of these items, never demonstrating that the other items were delivered. Chase didn't investigate this dispute. 

Chase ' failure to accurately and authentically investigate multiple disputes is the sole reason my account appeared to be unpaid. I have no obligation to pay for items I never received and legally disputed. Chase ' actions are illegal in light of their failure to investigate my disputes. 

Chase has defrauded me of nearly {$1000.00} in rewards points I earned by using their card as described. Chase has caused me considerable damages in credit worthiness and employment options. 

Chase actions are in violation of credit card laws and they should be restricted from further business activity in the banking or credit industry.
Consumer complaint received 2022-09-16
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 recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image. 

Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.
Consumer complaint received 2021-07-19
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)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-09-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MONEY SOURCE, INC., THE (OK)

The Money Source did not provide complete responses with documentation requested in my debt validation, QWR and accounting request. XXXX response was it would be " too burdensome ''. They have violated the Privacy ACT & divulged my private information into the public as well as effected my ability to extend my credit by reporting negatively to the Credit Bureaus when under the Cares Act. XXXX has harassed, humiliated, intimidated as well as tried to exhort me since they bought the alleged loan. XXXX is in violation of TILA Title 15 1635,16 CFR 33.2. XXXX has not only breached any Trust, but disclosed non public information without my consent and used the mail to harass and intimidate knowingly and willingly. This is a scheme to steal personal, family and household goods. 
I have the right of rescission if not provided at closing and XXXX was provided the documentation by the consumer, but XXXX has again completely disregarded my rights as a consumer and have moved to foreclose. There has been no contract or consideration made with the Money Source. This is a breach of Trust and violation of Title 15 1666b, e and denial of my rights under the Color of Law.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Hello, I have made multiple attempts obtaining my Equifax consumer report online, only to be blocked from receiving it. When I advise company of issue they seem to place blame on website issue. I have not seen my equifax report since in last 2 years due to this issue.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Hello, several months ago, I turned off the Overdraft ability on my checking account because I did not want any more predatory fees charged. I was told that when I did that, my account would decline if there wasn't sufficient funds and I would not be assessed overdraft fees. 

Recently, I've discovered that I have been assessed 13 overdraft charges totaling {$450.00}. These are unfair and excessive, especially since I turned off the overdraft ability on my account. I just opened an account with another bank, XXXX XXXX that promises no overdraft fees. That seems much more fair to the customer. 

I feel like these fees should be removed or I should be provided with a fair payment plan. I feel like I was totally blindsided by the bank for doing this and I really can't afford to pay them.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (SC)

In XXXX of 2018, I purchased a tv from Bestbuy and was convinced by the employee to open a bestbuy credit card for the purchase. So I was approved and I put the tv on the credit card because the employee said it was a zero interest credit card. Fast forward two years and I was hit with over {$400.00} in interest ( I only owed around {$200.00} left on the tv and never missed a payment ). Apparently the cards zero interest was for a promotional period for 24 months. The 24 months ended and they hit me with all of the interest that wasnt added in the first 24 months. I called and spoke to a representative and she essentially said from now on moving forward, I know what happens with their card. When I asked if she could please waive the interest because I had absolutely no idea that the interest would be added, especially considering Ive never missed a payment and could have paid the tv off in full months ago if I had known, and she essentially told me too bad. This is ridiculous. They should have at least notified me that the promotional period would expire soon so I could go ahead and pay it off. Now Im going to have to pay this extra {$400.00} I dont have, to make sure my credit isnt ruined. Please help me.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (KS)

Daily calls from an Ohio phone number soliciting services of consolidating debt. Every day I block their number and everyday a different Ohio phone number will call me. They are getting rude and ruder when I ask them to put me on a do not call or not interested list. They start reading off my social security number to me as if to taunt me that they have my information. I have repeatedly told them not interested. What can I do to get this to stop? They are not polite and very argumentative when I say no thank you. Sometimes they even call right back when I hang up. Yesterday 's phone call from the foreign representative said he was calling for Chase but I have no idea who is in Ohio and making these phone calls from several different numbers. XXXX, XXXX, XXXX
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (WA)

Paypal refused to close my accounts and wanted to instead keep them open. I have been unable to update my address, phone number, and log-in information that has been changed due to my moving with being homeless. During the process of being homeless I have moved from a few different concepts and shelters that have caused disruption with me being able to do business as usual and have instead resulted in alway receiving a less than desirable experience with XXXX XXXX XXXX Paypal. 

I am happy to provide proof of my identity but have found doing business with XXXX XXXX XXXX Paypal to be less then superior service experience in regards to updating my account information.
Consumer complaint received 2021-07-19
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. (TX)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-07-19
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. (NJ)

I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( June 25, 1948, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **
Consumer complaint received 2022-09-17
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: FISERV INC. (GA)

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX