davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

You can deny me all you want consumer financial bureau and you can agree with us bank all you want. Doesnt matter if you have granted 8 refunds. Doesnt matt how much XXXX money you deposit oh stop auto payments all this stuff doesnt matter they do not care call customer service call branch bank. Nothing works and you support us banks decession and its the truth. Doesnt matter how many statements how man transactions. Oh we think you need to do money orders to pay bills I have heard it all. I have done it all stop auto payments give up life transfer funds deposit more money. What the heck more do they expect worse banking service in the world and that is the honest truth, A pandemic means nothing and it is all m fault no matter what I so and honestly and truthfully I am. Covid 19 means nothing to the banks or the American peoples struggle and over course you well side with us bank again on there overdraft fees and them saying Im irresponsible and dont know how to manage my money. What a wonderful bank to be a part of.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I opened a 2 Checking a 1 Savings Account with Chase Bank. I managed the accounts properly never having an issue with the bank. I noticed that there was some unauthorized activity on my accounts and I contacted Chase. They opened up a dispute for me and suggested I open a new account and close the existing accounts.I was waiting on my direct deposit to post and then I would close the accounts.I go to login and was restricted only to learn later that Chase closed all of my accounts. I received a letter in the mail stating that I had not returned paper work timely. The thing is, no paperwork was ever requested from me. I feel as if I have been improperly targeted by Chase Bank. I feel embarrassed, discriminated against, and violated by the actions that Chase has taken against me.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (TX)

Complaint that Defendant Santander Consumer USA Inc. violated the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. app. 501-597b,
Consumer complaint received 2020-11-18
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. (MA)

Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX, XXXX, and Equifax ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX:XX/XX/XXXX ; XXXX : XX/XX/XXXX & Equifax : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my cre
dit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (NJ)

I requested a Pre-qualification From Wellsfargo Auto Finance I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company " XXXX ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because WellsFargo is one of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Wells Fargo Auto Finance ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has frozen two of our business accounts ( for 2 separate businesses ) with no explanation. They froze the first about 2 weeks ago. We logged in to the account to pay bills and found our account negative {$280000.00}. We spent hours on the phone with about 8 departments, no one could figure out what happened. They finally transferred him to the " executive department ". They didn't know what happened but said they'd look into it. We called them day, they kept saying they didn't have any information. Then, this past Friday  XX/XX/XXXX, they did the exact same thing to our other business account. Again the exec department said they didn't have any information. Our attorney called them and was told that Chase is within their rights to do an investigation and we would just have to wait. These are business accounts. We can't pay our employees. We have operating costs we can't pay. They've put us out of business! We are
going to have to file for bankruptcy because of yhe position they've put us in.

This has all happened with no notice. We have no idea what's going on. Shouldn't a bank have to give you some sort of notification that your funds are being held? And for what period of time? And if there's an " investigation '', why haven't they asked us for documentation that could resolve the issue? They've just left us hanging with no end in sight.

( I have no documents to upload because they haven't sent us anthing )
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XX/XX/XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
Consumer complaint received 2020-05-18
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. (PA)

On or about XX/XX/2020 I filed a dispute with Equifax concerning items the I believed were unverifiable, incomplete and inaccurate. Equifax failed to finish the investigation within the 30 days alloted time. In addition Equifax failed to provide the information on file pertaining to the disputed accounts or provide any documentation evidences proof of me engaging in a consumer transaction.
Consumer complaint received 2020-05-18
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. (IL)

I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.
Consumer complaint received 2020-11-02
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: SYNCHRONY FINANCIAL (TX)

I filed a previous grievance regarding CC company 's failure to restore credit line for 15 days after receipt of payment. 

Synchrony Bank dba PayPal cash back Master Card now says I have forfeited my cash back because I cancelled my account. 

I am sure there is fine print in their agreement somewhere that says they can do this. I consider their actions constitute consumer fraud. I cancelled the account via their automated phone system which made no mention of forfeiting the rewards earned. The rewards I had earned are {$1100.00} Synchrony Bank now says I am out of luck.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NJ)

XXXX XXXX keeps calling to collect about {$260.00} for service on a XXXX tablet. First of all, that tablet in question has been out of service for about 4 years. I called to remove to the account, they claimed that I could get charge for early termination. I always paid my bill from a text message and wasnt aware of still getting charge since that time for the tablet. I called to suspend my service ( 3 mobile phones ) in mid XX/XX/2020, they told me that once I moved to a new carrier, everything would taken care of automatically. Now they stated theyre unable to remove the charge for that XXXX tablet when they also confirm that they did see any data was used on it for several years. They also claimed that I would get charge an extra {$5.00} if they mail the bill to me. The new bill now is {$280.00}. 
Please help
Consumer complaint received 2020-11-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (KY)

On XX/XX/2020 I tried get an electronic copy of my statement from University Accounting Services via the number provided on my account. XXXX They stated that is was not possible even though I require it for a student loan refinance application. I asked to speak to a supervisor and the supervisor would not speak with me. They stated that could print the statement and have it mailed to me within 10 days which is beyond the date of the refinance application deadline. I can't understand why the statement can be printed but can not be e-mailed? I also have no access to any previous statements from the entirety of the loan for verification. Denying me access to my statements and not taking my concerns seems very concerning.
Consumer complaint received 2020-07-06
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: JPMORGAN CHASE & CO. (NY)

I was charged for smoking in a hotel room in XXXX nevada. I was not smoking I made a dispute with my credit card company and they acted in bad faith and failed to investigate or anylze any evidence. 
I was unable to make a dispute during covid per Chase 's guidelines. I did so online by pdf and fax. I was never credited to my accound and I never smoked in the room. The hotel never provided any substantial proof. It is all hearsay.
Consumer complaint received 2020-05-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

The following pertains to a 9-mo Wells Fargo CD for roughly {$100000.00}. 
XXXX - The CD matured. 
XX/XX/XXXX - I called Customer Service, who agreed to roll the funds into my Savings account. 
XX/XX/XXXX - I called back to confirm the funds were moving and was informed the previous agent hadn't submitted the forms correctly but they'd now been re-submitted and would close in 2 days. 
XX/XX/XXXX - Called back and was referred to a Customer Care representative who stated that there was nothing he could do as the CD was now out of the grace period. He then suggested I go into a branch office to try and resolve it. Logistically, this is a problem and is contrary to what the branch executive told me prior to my calling Customer Service. He then offered to have a member from their Case Management Team would contact me in 48 hrs because he was out of options. 
I have all names and times of my contacts.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MA)

I received an alert that my credit report had a significant change. When i checked the alert, i noticed that it was because i had missed a payment in one of my accounts. When i checked the account i realized that it was an account i had never opened my self. The account was a paypal synchrony bank credit card with a limit of {$1000.00}. Whoever opened this account it had done using my personal information and used it and the card was past due because the balance had not been paid. 

I don't have statements or credit card number since i never got any of them. I only have the information reported in my credit report.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have been paying on a loan with XXXX XXXX XXXX. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me
Consumer complaint received 2020-11-18
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I took out 2 student loans with Salle Mae that were relatively low. About {$6000.00} for each. A few years later Salle Mae turned into Navient and they said I took out loans for XXXX each from Salle Mae. They did not have my correct address, or even the school I went to. Navient stated that they sold the loans to a collection Agency called XXXX XXXX but that company had " gave the loans back to Navient ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that Navient had closed the account. Now they are trying to collect XXXX from me. XXXX is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I spoke with the mortgage company with the intention of getting help in regards to my mortgage payments. This was right after hurricane Irma had passed and came to the conclusion with the mortgage company that those months would be forgiven and added to the end of the mortgage agreement. Those 3 months passed and made no payments as promised by the mortgage company. At the start of the year, I was advised by this same company that I owed them those 3 months of mortgage payments all put together. This is completely contradictory to what I had agreed upon with them before. I have continued to make my mortgage payments for this new year but the mortgage company continues to insist I pay for the last 3 months of last year. This added pressure is not helping at all and making me nervous I will lose my home. Why promise something and not hold up your end of the bargain? My family and my house suffered greatly from the hurricane and I don't need any added pressure to my day-to-day life. Please help.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NE)

I entered into a forbearance with Mr. Cooper loans, at the end of the forbearance my interest rate went up and my payment went up because of the payments I skipped. this payment that theyre offering me is much higher than the payment I had before. This payment they are offering me was offered to me after I did a modification that was supposed to help me lower my payment or keep it the same. I was under the understanding that my payments that were missed would just be tacked onto the end of the loan this was not the case for all payments. This company is not specific when you start the forbearance plan because of COVID-19, and telling you exactly what will happen at the end of your loan. When I started the forbearance plan I was not aware that my payments would go up as much as they did or my interest rate would go up, so it is almost impossible for me to make my house payment right now. I have talked with them about this And they say there is nothing I can do.
Consumer complaint received 2018-07-16
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. (WA)

I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it
Consumer complaint received 2021-10-04
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

On XX/XX/2020 I received a US Bank Reliacard Debit card that I never applied for. The card was issued to me in conjunction with an unemployment compensation claim which is fraudulent and that I never applied for.