davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am so furious with Chase bank. I recently applied for the XXXX loan, and went through their underwriting provided all supporting documentation that I am a XXXX XXXX  working as a XXXX XXXX XXXX. I got approved for the loan, and the funds were disbursed into my checking account, now Chase is freezing my account because they are stating its not a business account and I have to provide an EIN number, I am not legally obligated to have an EIN number if im working as XXXX XXXX and I do not have any employees. I am working by myself, and charge for my XXXX XXXX XXXX. I am very angry that they are not willing to listen when I am explaining that I can not have a XXXX account with chase unless I have an EIN number or corporation. If I ama working as XXXX XXXX I am qualified to receive this loan Per SBA EIDL guidelines. I met the requirements, I went through their underwriting process and they approved me for this loan based on their requirements and underwriting. Chase can not require me to have something that SBA does not require. Chase is not the one issuing me this loan amount. SBA EIDL is. I needed this loan ASAP to help me with the lockdowns we are going through and not being able to work. Very unfair.
Consumer complaint received 2018-06-21
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc. (IL)

I applied for a student loan refinancing, provided direct access to my bank account, provided a personal bank statement, business bank statement, personal tax forms, business tax forms, and other personal info. I called during my application process to make sure that my individual situation would be okay in being approved for the loan. I got denied for a reason that does not even apply to me " income variability ''. They falsely denied me, did a hard credit inquiry, which they won't even reverse, and lied about the application and approval process. I received terrible customer support after trying to figure out what was going on because they did not even contact me with an email or phone call to go over my documents. I believe this is a scam company that is harvesting very private information with employees who are untruthful, scammy, and rude.
Consumer complaint received 2022-10-04
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: GFS II, LLC (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2020-07-01
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: JPMORGAN CHASE & CO. (CT)

XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX checking account number XXXX and XXXX XXXX credit card number XXXX XXXX Dear XXXX Chase Bank XXXX XXXX XXXX is XXXX XXXX who has XXXX loyal customers for years. I was travelling in XX/XX/XXXX and came back to XXXX in XX/XX/XXXX due to XXXX travel restriction. After coming back to XXXX, I found out Chase closed all my accounts without notifications and justification in the middle of COVID-19 pandemic. Due to COVID-19, booking travel to redeem my total points of XXXX was not an option, so I made multiple attempts with chase sapphire reserve customer service and Chase promised me to redeem my chase points as a check to my XXXX  XXXX XXXX account. 
Unfortunately, when I called chase again on XX/XX/XXXX I was being told Chase will not issue me a check of {$1200.00} because the points were forfeited. I find it to be unacceptable because 1 ) Chase has the responsibility to at minimum issue customer a check for the points when Chase decided to close clients account without any justification. But Chase optimized the COVID-19 pandemic and defrauded a loyal customer reward value of {$1200.00} after customer paid {$2200.00} annual credit card fee ( XXXX per year for 4 years ).

2 ) The point expiration should be suspended for year 2020 due to Covid-19 pandemic.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (CA)

They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

I have received a letter from Wells Fargo in regards to three different claims submitted through the CFPB on XX/XX/2020 ( Claim # 's XXXX, XXXX, and XXXX ) Wells Fargo states on XX/XX/2020 my account ending in XXXX was credited correctly of {$2000.00}. I never received that credit of {$2000.00}. 
In the letter, it also stated that they took action to close my credit card ending in XXXX due to fraud, but my card ending in XXXX was never recognized and no action was taken to help secure my funds even though I called Wells Fargo to let them know of suspicious activity on my debit card. 
When I tried to dispute the {$620.00}, the dispute got denied again. Wells Fargo indicated that that there was an overdraft protection charge in the amount of {$620.00} and was sent to my everyday checking ending in XXXX. I was not aware of this transaction. There was no indication of them letting me know as a customer about them transferring this money too and from my accounts. I never authorized them to do that.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ULRS, Inc. (CA)

I agreed to take responsibility for my XXXX adult daughter 's XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX XXXX. I agreed to pay XXXX, then XXXX in XX/XX/2018 and XXXX XX/XX/2018. I paid all but XXXX. I agreed I owe this amount but they are saying I owe XXXX. I don't. I have tried to explain only to have them that this XXXX  is IN network and that I only agreed to pay as mentioned. I am happy to pay the XXXX that is remaining but they won't accept it. I sent ALL required dispute but they say they put this on my credit today. They have been calling from an unknown number in addition to their XXXX number and are pretending I can't say they are calling me, becuase the number is coming up unknown. They have also been harassing me saying that now man wants me because I am upset and then they have misquoted the law, which I have to outline for them in writing.
Consumer complaint received 2019-05-23
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: BARCLAYS BANK DELAWARE (CA)

This is my letter to XXXX  executive office : My wallet was stolen on XX/XX/2019 in XXXX resulting in a charge of {$14000.00}. The perpetrator had a copy of my other ID as well as my credit card when he made this charge. Initially, the first claim investigator I spoke with told me that I would not be billed for this charge as long as I sent in my ID. I did so immediately, due to your system a error was made. They claim that the fax of my ID came in black and they could not see it, no one called me to tell me this at this point I was already on hour 4 of trying to speak with someone to help me. I finally got a hold of someone and sent them in by mail and fax again a copy of my other ID. At this point it was to late and they re-billed me, even though I have proof from XXXX that the original fax I sent was completely valid. I was mislead numerous times. I think its pretty unbelievable that there is no way to upload this documents online. 


As a business owner, I know this not to be substantial proof that the charge is valid. I have had made claims made against my business by customers that simply did not want to pay for their charges - where Ive even had video proof and video authorizations from the client themselves - and that still wasnt enough for my merchant processor to win the claim in my favor. 

I beg you to review this claim and turn over the decision as I also have evidence of where I was when this charge was being made. Ive spent over 6 hours on the phone at this point. 



The charge : XXXX XXXX XX/XX/2019 {$14000.00} XXXX Points
Consumer complaint received 2019-05-23
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: BARCLAYS BANK DELAWARE (CA)

I ordered a {$13000.00} item online and received an empty box. The credit card company is denying my dispute, claiming it was done on a 3rd party processor. My credit card company is Barclays, gold luxurycard.
Consumer complaint received 2018-02-24
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. (IL)

I just got back my Equifax dispute results and It says that I did not include account names, numbers, and the nature of dispute. Which is wrong since I always put account numbers and company name and nature of dispute. I was disputing XXXX XXXX for not verified because Equifax has not supplied me the documents used to verify this debt. Also they have not provided me who and when they allegedly verified this debt. Confirmation number is XXXX
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (LA)

I had a {$1300.00} charge refunded approximately five weeks ago and have requested this credit card company send me a check for that amount. I have called them now at least 7 times on this matter. They still do not know when they will be able to issue me my credit refund. They could not explain the delay. They have previously told me the credit check is coming - so they are clearly lying to me, again and again. I suspect they are purposely withhold my money, as I had previously paid for the charge, in hopes I forget about it. They may possibly be delaying the refund process to help their own financial situation. Whatever the issue is, they can not explain and are operating in a rotten and possibly illegal matter. I need the money and they refuse to send me my credit refund. Please help me with this matter. Thank you
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

Kia Motors Finance is incorrectly reporting that I have several missed payments which is incorrect. We ask for and were granted a Covid-19 deferred payment for XXXX and XXXX. Every other payment this year has been on time. Kia claims that there was some type of glitch in their system which kicked out our deferment and also has every payment showing as late on our credit report. Just last month, every payment for this year has been on time. We have called Kia several times and they give us the run around. They have reported this false information to all of the credit bureaus. After some research, it seems Kia is and has done this to several customers. I'm looking to buy a house and my credit score has dropped 60 points.
Consumer complaint received 2018-06-20
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 am in receipt of my Equifax credit reports dated XX/XX/XXXX,  I noticed the following credit inquires on my report : ( See attachment ) The ( 3 ) five following unauthorized hard inquires which impacted/lowered my credit scores were placed on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX, without my knowledge or consent : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax On XX/XX/XXXX, I went to this dealership to look at and possibly purchase an advertised XXXX XXXX . Although I had arranged for my own financing I was told in order to discuss and agree upon pricing I had to complete an application, I could not negotiate a deal without first completing XXXX application. 

I specifically and repeatedly told the salesperson I did not want to run credit reports, place any unnecessary hard inquires on my reports which would had an immediately impact on my credit scores or apply for any credit with their lenders, just wanted to negotiate and agree upon pricing on a vehicle. 

XXXX XXXX agreed the inquires were made in error, promised to contact Equifax submitt request for deletions/removal. According to XXXX XXXX an request was submitted several times to Equifax. 

I reached out to Equifax on XX/XX/XXXX, tried to dispute the above mentioned inquires and was denied. According to Equifax an conumer can not dispute inquires or removal. 

I explained to Equifax under the FCRA any inacccurate information can be disputed by the conusmer and removed, in addition provided copies of letters from all parties asking Equifax to remove above mentioned inquires. Equifax not only refused to take my dispute but also refused to remove said inquires in direct violation of the FRCA.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (UT)

Comerica ( Direct Express ) froze /deactivated my debit card that my SSI/SSDI goes on for no apparent reason I called customer service to find out why and get it reactivated man from customer service would not give his name and gave no reason for deactivation said he would reactivate if I gave him my name, address, social security #, birthdate, And phone # I did he said my information was incorrect and I would have to fax or email a photo of my ID when asked to speak with superficer he hung up on me. I waited on the line for 2 and a half hours to begin with.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

My debts were discharged in Chapter XXXX Bankruptcy XX/XX/2018 case # XXXX. These company 's were notified and chose not to contest the judges decision, I have reached out to the companies and provided supporting documents which I will provide again with this complaint
Consumer complaint received 2020-08-20
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. (CA)

XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.
Consumer complaint received 2020-08-20
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. (VA)

My mortgage lender requested my credit report from Equifax, XXXX  and XXXX XXXX via Equifax Mortgage Solutions. Equifax Mortgage Solutions collected my credit report from XXXX  and reported it to me in a document called " Credit Score Disclosure '' and to my lender. The disclosure indicated that my XXXX  Credit score was XXXX and that 4 key factors were adversely affecting my score including : " 12 length of time revolving accounts have been established, 01 amount owed on accounts is too high, 14 length of time accounts have been established, and 10 ratio of balance to limit on bank revolving or other rev accts too high. '' After receiving this disclosure we requested a copy of my credit report from XXXX. My XXXX  report listed only 1 revolving credit account with a low balance, and a note on that account indicating that the balance was " low '' - not " too high. '' There was no revolving account on the report with a high balance. We contacted XXXX  to ask them why they reported different information to us than they reported to Equifax Mortgage Solutions. XXXX  told us twice in two different phone calls that they did not make those comments about my revolving account balance and that we needed to discuss the matter with Equifax Mortgage Solutions - and in fact my report from XXXX  says I " have no negative factor impacting [ my ] score. '' XXXX  said that they did not report that the account balance is too high, they explained to me that Equifax Mortgage Solutions derive their own conclusions from the information they received from XXXX. Next I called Equifax Mortgage Solutions, they said that I can not dispute these comments with them, that I need to contact XXXX. XXXX  is asserting that they did not provide any negative comments. The net result of this is that my credit score which Equifax Mortgage Solutions reported to my lender is lower, there are inaccurate comments about my accounts that are adversely affecting my score - and neither Equifax Mortgage Solutions nor XXXX  are taking responsibility. In fact these two companies are refusing to let me dispute this inaccurate information.
Consumer complaint received 2020-07-01
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. (CT)

In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, Equifax, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I paid my account by adding a new payment source. Somehow, my payment was put on my payment stored when I first opened my account. They charged my XXXX account and not my local XXXX account, which I had made a new payment source for on the XX/XX/2020. I wrote a letter with proof I made a new payment source, but they made a third attempt into my account. That's TOTAL OF {$87.00} IN ACH fees on my account. They have changed and are not a part of XXXX anymore. The are a part of Citibank that has given me tons of problems in the past and who are connected to corruption in XXXX County. XXXX County Sheriff 's Department is harassing me, because I refused to prostitute for them and Citibank is helping them.