davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MO)

Chase Mortgage is whom we ( husband/wife ) have our loan with since XXXX. Many times over the years they have neglected & lied to us on important issues that cost us lots of money, but now, another issue has risen that was just brought to my attention in a mortgage statement we received on XXXX XXXX, XXXX, but after communication with someone from Chase, they realized that it was them " CHASE '' that made the mistake back in XXXX XXXX in which they neglected to apply our XXXXhusband/wife ) mortgage payment accordingly and therefore appeared there was no payment, then it lead to them FALSELY REPORTING US TO THE CREDIT BUREAU 'S AS LATE IN XXXX, BUT IT WAS REALLY THEIR FAULT. I was given a case number by the Chase representative is which I will give you later. They have fallen short of their duties or their word or their temporary contracts in past, so I want to have it on record of their mistake and how are they going to make sure they fix our credit report and our credit score from last XXXX XXXX to current, which has cost us more, due to we decided not to refinance our home for a over 3 % lower interest rate in which we had already been approved for by our local bank since our credit score would have been lowered by the mistake that CHASE MORTGAGE MADE. Since Chase did not apply our XXXX XXXX pymt accordingly, they told me on XXXX XXXX that all payments since last XXXX was made late, but it really was n't. it was their lack of responsibility of putting my payment where its suppose to be, now they also need to reimburse all late payment fee 's in which they also lied to me when I questioned why it was on my statement, they said its just where they list the fee 's and that I was n't being charged, but that was a lie, cause now I know thats the fee they been charging me. Its also why I did not know they did not apply the pymt correctly. They also neglected to issue us a new contract back in like XXXX & XXXX with all the Obama stuff, and we meet all the criteria and my husband had even found a job making more than what he was making when we purchased the home. They have cost us soooooooooo much heartache, tears, blood, mental anguish, frustration and now a 3rd time of not being able to refinance our home for a lower interest rate. If us the consumer is even ONE DAY LATE ON A MORTGAGE, WE PAY THE PRICE WITH A NEGATIVE CREDIT RATING FOR THE NEXT 7 YEARS, SO WHY DO N'T THE MORTGAGE COMPANIES HAVE TO MAKE IT UP TO THE CONSUMERS? AND I DO N'T MEAN IN A CLASS ACTION LAWSUIT WHERE ONLY THE LAWYERS MAKE GOOD, ITS US THE CONSUMERS WHO LOOSE OUR MONEY WHEN MORTGAGE COMPANIES XXXX US, THEY SHOULD HAVE TO PAY US THE LOSE, AND I DO N'T MEAN WITH A {$9.00} CONSULATION PRIZE CHECK WHILE THE ATTORNEY 'S MAKE MILLIONS!!!
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (IL)

On XX/XX/09 I did a credit report to view what was under my profile. After reviewing my profile I noticed this student loan attached to an institution that did not match my debt. After doing some extra research on this I decided to reach out to AES to get this rectified with the source. After a few lagging issues from AES, AES sent a copy of the document of the loan and the copy looks very fraudulent, cut and pasted with missing information like my Social Security Number and birthday. I went the extra mile and reached out to the institution ( XXXX XXXX ) to get clarity on if I had a balance with them. The XXXX Office sent me over a {$0.00} balance through e-mail confirmation and I then sent this to AES for documentation purposes. AES then complied and requested to start a fraud packet with them. I filled out the fraud packet they suggested to the best of my ability but then they refused to process this request. The reasons they decided to not process this because my police report was not acceptable to their standards ( which I don't know how that is not acceptable or make a police report what AES want ), the request to have a blank check with my signature or picture of my photo identification wasn't fulfilled because I want to protect my identity purposes, even though their request to get a document notarized with my signature and identification was needed to do that process. At this point I feel like this company is not only upsetting but refuse to do the needed work to get this removed from my credit profile. I would appreciate your assistance on direction on how to correct this manner. 

Thanks
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ERC (IN)

This was taken care of send it last year in XXXX it was taking off before XXXX this year due to selling my personal information identity on the XXXXXXXX XXXX which is XXXX XXXX  my account was closed by sprint in XXXX due having over charges and settled but its not a new account from XX/XX/XXXX and its theft and fraud its been taken off by government its the law so im gon na sue them for fraud account charges and information
Consumer complaint received 2022-08-25
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. (NM)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX.
Consumer complaint received 2021-03-23
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. (MI)

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MO)

Team, Merchant XXXX XXXX had debited my credit card with amounts {$500.00} and {$420.00} on XX/XX/2019 and XX/XX/2019 subsequently as damage costs to the rental car which was not done by me.The amounts were deducted without any permission or authentication from me and when i had arranged a meeting with merchant to discuss on this dispute the merchant didnt showed up nor did any communication on call. 
Later when i questioned the merchant about the policy of submitting the pictures of the car where damage happened within 24hrs, initially merchant denied it and later emailed saying yes it can be submitted. 
i have attached the detail conversation of emails in this complaint. 

i had also disputed these transactions on my chase bank credit card but later after a month it was re billed to my card for which i wrote to bank for initiating the dispute. 

please forward these details to chase bank credit card department and merchant XXXX  to solve the problem.
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

On XXXX XXXX I purchased a house and my first mortgage payment was to XXXX XXXX XXXX on XX/XX/2020. I get a letter that Planet Home Lending is taking the mortgage over. I pay XX/XX/XXXX payment and start auto payments to come out on the XXXX of the month so the payment Is posted by the XXXX. I sent XX/XX/XXXX mortgage it was posted on XX/XX/2020. I paid automatically until I got a letter that I was being switched to XXXX XXXX. Never missed a payment. XXXX sends a letter that I owe a back payment from XX/XX/2020. The payment never posted to my planet account and to this day its never been fixed. I have called, emailed, nothing. 
Planet did say they would do a missing payment but Ive never heard from them again!!!! Im so upset!
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

On   XXXX   XXXX   XXXX    ,  US Bank  allowed {$9200.00} to be fraudulently stolen from my checking account via  XXXX  counter withdrawals in another state ( {$5200.00} in  XXXX , WI and {$4000.00} in  XXXX , WI  ) in  wh at may have  been an inside job. We believe a bank employee turned off my fraud alert that should have contacted me when the account dropped below {$10000.00} and then they did not follow their own policy for sign off on a large counter transactio n ( the branch manager confirmed this in the   XXXX   police report ). They refused to provide access to any  video surveillance, lied to the police that they did not have any footage, as conveniently their system was being switched over during that same time. Additionally, they claim none of the individuals work there any more. They did not follow proper procedure to keep my money safe, were negligent at best and complicit at worst. They are hiding behind a 30 day window to avoid returning the funds that were stolen. I was never notified or contacted in any way about the large amount of money ( despite having fraud alerts in place ), and only discovered it myself through a routine evaluation of my finances. The signatures for the withdrawals clearly do not match my signature on file. I was at work  XXXX  medical students in my home state of Illinois during the thefts from my account. All they would need to do is to look at the tapes of the theft to know who is involved, which they refuse to do.
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (AL)

I am having the exact same issues with this financial institution as is described in the PayPal extras mastercard review link provided below. I need help recovering my account payments in the amount of approximately {$2600.00}. They refuse to credit it to my account so that I may have my credit for spending reflect my payments made and collected by them. This is a real scam that needs overseen by some agency with the authority to shut them down. 

XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX dispute was open when i sent a letter from the courthouse stating that they do not give information regarding bankruptcies to the credit bureas XX/XX/XXXX dispute was completed and bankrutcy was verified XX/XX/XXXX called to request method of verification and was told the court was the method of verification and when asked for proof of verification, was told that couldnt be done even after I brought up the courts told me they do not give information to credit bureas
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (IA)

Resolution of the following issue is still outstanding. 

Using the Income Based Repayment ( IBR ) plan, payee contacted the loan service provider questioning the degree of increase in monthly payments from XX/XX/XXXX-XX/XX/XXXX year to the XX/XX/XXXX-XX/XX/XXXX year. After repeated attempts to verify calculation with written documentation, the loan service provider could not confirm the calculation amount was correct. The service provider failed to return phone calls as promised, disconnected phone calls with the payee, communicated to the payee that she should " just pay the amount '' without questioning why it increased so extensively, failed to put the payee in contact with any senior management who could assist in resolving the issue, and refuses to provide written confirmation demonstrating how the IBR calculation accounts for a spouse 's loan amount as a variable in the IBR baseline methodology. The service provider in several instances affirmed that the payee 's calculation " looked too high '' and a supervisor confirmed that an analyst was working to reconcile the discrepancy, but the issue still remains outstanding. The payee contacted the service provider 14 days before payment was due, communicated to the service provider that she would not pay the amount until the calculation was confirmed as correct, asked for administrative forbearance until the issue is resolved, and is still receiving past due notices and advisement that interest will be capitalized because of failure to pay. The payee is willing and able to pay an amount that is correct, and should not be subject to scare tactics to incentivize payment of an amount that is inaccurate. The payee and spouse have been in almost daily phone contact with the service provider over the past 22 days and nothing is resolved. Payee and spouse have encountered incredibly poor customer service including representation of wrong information, unreturned phone calls, lack of written communication and clarification, incompetence in understanding what is required for IBR recertification and calculation methodologies, and just rude phone discussions with customer service representatives, account managers, and supervisors. Payee is effectively being penalized for the service providers incompetence and failure to appropriately conduct business with payee customers.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BlockFi Inc (NJ)

BlockFi is not letting my withdraw my XXXX. Their disclosures claim my XXXX is held XXXX at XXXX but it seems this may not be the case?? My $ XXXX is stuck and they won't let me withdraw
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc ()

Hello, I have a cold storage wallet on XXXX, and believe they are using my money without my permission, because i initiated a withdrawal on XX/XX/XXXX and still haven`t received the money. The wallet is in my name and it is not supposed to be used to satisfy secured creditors if bankruptcy comes.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

I repeatedly have issues opening a credit card account despite the fact that all of my previous accounts are closed and paid in full. Every time I apply for a line of credit the credit card companies deny my application and try to force me to open a high interest card with a low limit. These cards serve very little purpose for me because they constantly report as maxed out ( regardless of whether they are paid in full every month ) because of the low limit therefore actually hurting my credit score more than helping it and they do not extend enough available credit to actually serve any purpose in an emergency. 
The other problem that I have is that without a decent line of credit I'm having trouble qualifying for a mortgage. The banks are reluctant to lend when they know that a consumer may have trouble maintaining the home in the event that something breaks and funding for the repair becomes an issue. 
In my most recent attempt to obtain credit with Wells Fargo XXXX. the bank stated that the reason for the denial of credit was too many delinquencies and too many accounts open with revolving balances. I have issues with these reasons because the delinquencies that they are referring too are on accounts that not only have perfect payment history for periods up to XXXX years prior to the delinquencies, but also have been paid in full and closed since those delinquencies. The cluster of delinquencies in 2019 were a result of an automobile accident in which my employer did not have proper insurance and I was left injured and without income for two-to-three months. However, my accident is not the problem, it's just another example of how useless these banks have become. The problem is that in the last decade banks have started to follow an alarming trend to generate revenues in which they ignore their fiduciary responsibility to consumers and begin to self-cannibalize off of their own customers during the time in which they can actually justify their existence such as an emergency when a credit card could be useful. This dependency on fees results in fraud such as the above-mentioned scenario in which the bank tried to force me into a product that is designed for fee harvesting. So instead of finding ways to generate new business, they're destroying people financially and swindling them out thousands in late interest and fees making it impossible for them to recover. 
Lastly, the other issue that I have is that it's been almost three years since these " delinquencies '' and all of my bills have been paid on time since then. So, since the system is designed as such that consumers are dependent on financial vehicles such as credit cards it is absurd for the banks to continue to slander me for such an extended period of time not only violating my privacy rights but also harassing me trying to generate fee revenue for each other.
Consumer complaint received 2022-11-20
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. (WI)

My XXXX  account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to XXXX.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

We have two leased vehicles with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to loan number XXXX ( XXXX ) since XX/XX/XXXX. TMCC repossessed the loan number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are repossessing it again. I am truly lost and need some assistance.
Consumer complaint received 2022-11-20
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. (AZ)

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-11-20
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. (NV)

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than XXXX days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for Equifax but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( Equifax ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )