davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (IN)

On Monday, XX/XX/2020 I spoke with XXXX in regards to paying off my truck loan in for two years early and stopping the automatic payment authorization. I was told by XXXX that he was going to expedite that request so the payment was not removed from my account And for me to go ahead and wait until Friday the XXXX to pay my vehicle info. On Friday, XX/XX/2020 I called in and spoke with XXXX who told me that I could only make a {$9900.00} payment at one time or I would have to wire the funds to them. I asked to speak to a supervisor at that time because my payment for the total amount on the loan was {$12000.00}. I was then transferred to XXXX XXXX at extension XXXX who told me that my payment could be made via the app that I have and that XXXX did indeed expedite my stop automatic payments and my automatic payment would not be taken out from my account. I submitted the payment in full via their app automatic deduction from my Chase bank account to pay off my Chase auto finance loan and it showed that it was automatically taken out. Saturday, XX/XX/2020 I checked the bank account and noticed that the automatic payment of my monthly payment for the vehicle was indeed deducted as well after the loan was paid in full. This transaction was not authorized. Monday, XX/XX/2020 I called and spoke with XXXX regarding the automatic payment and she told me that yes it was taken out and I would receive a check for the overpayment I asked to speak to a supervisor after waiting on hold I was told none was available and I would get a call back within 24 to 48 hours I was not given a date of my payment returned I was not giving a tracking number for my expedited title I was not given any information of which I was told I have over paid on my loan I have no assurance that there will not be any future deductions from my account that is unauthorized
Consumer complaint received 2017-12-13
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: U.S. BANCORP (GA)

On XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Us Bank XXXX XXXX XXXX sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
Consumer complaint received 2020-11-30
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: CITIBANK, N.A. (NY)

XX/XX/2020 dispute amount {$2800.00} dispute ID : XXXX AND XX/XX/2020 dispute amount {$15000.00} dispute ID : XXXX ( above charges are for the cruise deposit and final payment ) Total dispute {$17000.00} The above disputes are from charges to my account by XXXX XXXX line for a trip that was cancelled because of Covid19. The trip was scheduled for XX/XX/2020 Services were never received from XXXX XXXX XXXX. 
Citi Bank Visa has been stonewalling the reverse of these charges using the excuse that the Cruise Line was not getting back to them. Meanwhile, I am out a significant amount of money. 

XXXX XXXX XXXX drastically changed the itinerary of the original cruise which was basically a cruise to XXXX to a Cruise to XXXX and XXXX eliminating 7 XXXX ports and adding 2 days at sea. This was not acceptable to me. 
All of the above has been explained to Citi Bank Visa and they refuse to make this right by reversing the charges to my account
Consumer complaint received 2019-11-05
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: ALLY FINANCIAL INC. (TN)

Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (VA)

In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (AZ)

I was with chime bank prepaid debit card and they closed my account stating too many loads to the account I contacted them through email several times they asked for documentation to prove the loan funds I sent them all the documentation about where the load funds came from my ID and they still will not give me my account balance or send me my money they are trying to keep my money I also had a linked XXXX XXXX XXXX card to this account and they froze that account and they are trying to keep my money between the two counts is over {$10000.00} they keep saying Im in violation of their terms so they are not refunding or give me my money back I dont understand how they can keep my money there was nothing wrong with my money or where it came from
Consumer complaint received 2022-01-06
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)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I made a {$200.00} payment on my credit card on XX/XX/XXXX. For some reason, they have it listed as XX/XX/XXXX. After waiting all weekend for my available credit to update, I called the issuing company on Monday XXXX XX/XX/XXXX XXXX to ask why my available credit has not been updated. I was told that since this was a new account and I paid {$200.00} ( or more ) in 1 payment, my available credit would not be updated for 5 business days. I can understand putting a hold on my account if I was behind, but I am not. This is the first billing cycle.
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I was scammed by a company who told me they were XXXX.I received an email from XXXX saying my account was suspended and to login to my account. I didn't do that I went to website and called the number and was told I needed to verify my card information on file which I did. These people hacked my computer and phone and emptied out my bank accounts. This happened XX/XX/XXXX and XXXX 2020 I found out about this on XX/XX/XXXX and went to the bank and filed an affadavit and asked if the wire transfers of XXXX and XXXX could be stopped and was told no this was less than 24 hours after the second wire transfer. The wire transfers were sent to banks in XXXX and XXXX the bank didn't send me an alert about these transactions. I contacted the bank and they reviewed my account saying I compromised myself. I requested a reconsideration and it was sent to the executive office to have them investigate. The bank is Chase so they had the bank investigating themselves finally after XXXX weeks I was once again denied. I am a XXXX year old XXXX veteran and that was all the money I had. I suffer from XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted XXXX about this incident and they said they couldn't help me because the email didn't come from them. Any assistance you can provide for me would be greatly appreciated I live on a fixed income and the XXXX I had was to be used for emergencies and medication. If you need anymore information please contact me. I have paperwork but I don't know how to send it to you.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX of XXXX, I took out a mortgage in the amount of {$360000.00} at 4 % with my father in law. My father in law unexpectedly passed away in XXXX of XXXX. I only make around {$49000.00} annually and have struggled to pay the {$2100.00} per month mortgage because my take home pay varies but is always no more than {$3100.00} per month. After I pay the mortgage I am left with less than {$1000.00} per month for all of my other living expenses. 

I submitted a request for a loan modification to Wells Fargo. I am hoping for a lower interest rate so that my payments are more affordable. Wells Fargo 's answer is to extend my mortgage to add an additional 40 years onto the loan!!! So rather than helping me solve my issue, they are acting in a predatory manner. Accepting a new loan for an additional 40 years after I have already paid on the loan for 4 years is XXXX  Wells Fargo stands to make an additional $ XXXX in interest on my loan if I accept the terms of their " help. '' This is ridiculous. They refuse to help me except to offer terms which are conducive to them XXXX me and making over {$100000.00} off of a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

For the past year or more I have been attempting to get my mortgage company to change their website system to make it easier to understand and use. No results! Among other issues : unlike my credit card websites that do not process a payment without first showing the amount and source from which the funds will be taken- which allows you to change banks among the drop down list- Quicken loans/Rocket Mortgage has a preset bank and DOES NOT allow you to confirm before hitting the submit button. And their website doesn't explain what " escrow balance '' implies and I had to ask someone to explain what it indicates. Plus a chat agent told me she was unable to see my loan information - meaning she was of no help and their phone system is so complicated with 15 different options that only add to the problem
Consumer complaint received 2021-11-02
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: CITIBANK, N.A. (MA)

I file many complaints with FTC regarding a macys account on my personal credit report. 
I have never had an account with any of these collectors/creditors. I have contacted them multiple times for proof of ownership but they have failed to send me the proper documentation to show that I own this account. Please delete this on my credit report immediately as it affects my credit standing.
Consumer complaint received 2021-09-24
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 — Investigation took more than 30 days
Company: LoanCare, LLC (AZ)

When I was trying to get a pre approval to buy a new home, I discovered that loancare ( The servicer of the loan ) had reported me late, IN FORBEARANCE, after I had paid off the loan. I had never missed a payment. I have called the company multiple times and they provided me with information confirming that I have never missed a payment and that I was in forbearance but they are unwilling to provide letterhead that this was their error ( an error that also violates the SAFE act ).
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I am a homeowner that had put my mortgage on forbearance at the start of Covid-19 with LoancareXXXX. Since then, as recent as XX/XX/2021, I received a written letter from Loancare/XXXX  that my forbearance would be active until XX/XX/2021 and that approx 30 days prior to it expiring, I would receive information from LoancareXXXX outlining options and next steps to defer missed payments and/or mortgage forgiveness for the missed payments. As of today, I still have not received any additional details from LoancareXXXX however their customer service team continues to call me multiple times per day threatening to foreclose upon me and remove me from my home and yet they have not provided ANY options to resolve my situation. I am begging that your agency please steps in to help resolve this matter as I can not find a point of contact within Loancare/XXXX ( despite the HOURS I have spent on the phone with them and being placed on hold ) to get this ordeal resolved.
Consumer complaint received 2021-04-06
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)

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXXXX/XX/XXXX - Inquiry date : XX/XX/XXXX
Consumer complaint received 2021-11-02
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of updating the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXBalance {$220.00}
Consumer complaint received 2021-11-02
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. (LA)

I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX  XX/XX/XXXX 5. XXXX XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}
Consumer complaint received 2021-09-24
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. (MA)

On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2015 Balance : {$0.00}