davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

The Discover Bank refuse to provide me a monthly statement including ONLY the transactions for that month for XXXX and XXXX ( say quarterly end ). 

They do provide monthly statement on XXXX, XXXX and XXXX, but for the XXXX statement and the anticipating XXXX statement, they include all activities in that quarter ( say it becomes a quarterly statement ). 

I asked them to provide me a monthly statement in addition to the quarterly statement. But they refused to do so.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am unable to retrieve my credit report or score from Equifax. I recently disputed some information on my credit report and received the results back via mail. The Credit report I received from them states there is a Temporary Update Freeze on file. I cant access my credit report, or score online through their website, or any other website that reports credit information. The last update provided on their website is from XXXX, and when I try to refresh it shows no information available. I have called them to ask about it and nobody can provide any information, which is harmful because If I have to apply for credit and they check with Equifax the company im applying with will not be able to get any information. I have included screen shots of what it shows when you try and access information in my Equifax file from 3 different websites including Equifax
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I received a domestic wire transfer into my XXXX Checking Account. Chase withdrew {$15.00} from my Account as a fee for the transaction. 

I am familiar with this technology. Theres no cost to Chase. There are no personnel involved. A wire transfer is no different from a payroll or XXXX transfer. And neither are assessed a fee. Wire transfers should be treated the same.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase for the original amount of {$2400.00} with Syncrony Financial  Credit Card at XXXX XXXX XXXX After making my payments every month On XX/XX/20 my account balance was {$1000.00} Then on XX/XX/20 I was charged {$1400.00} According to a virtual representative that amount represented 29.99 % interest rate. 

So, from {$1000.00} I owed on XX/XX/20 Then I owed {$2500.00} I never received a Promo Expiration Message from Syncrony Bank The math doesnt add up and none of the representatives I have spoken to via live chat or phone have been able to verify the charges. 

All I need is for someone to demonstrate those numbers are correct.

I believe I have been wrongfully overcharged fees.

My experience may just represent the story of potentially thousands of individuals who have been overpaying amounts they dont owed. 

I have all documentation to prove my case
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank (TX)

I'm trying to build credit and FirstProgress charged me for a credit application {$29.00}. 

They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help can not deal with applications at all, they have no ability to help. 

They said to post the info. I post the info and got no response. 

I called several more times and was told to just send more letters. I sent another letter and got no response. 

The application status page says " We are unable to provide you with additional information about your application at this time. Please contact XXXX if you need assistance. '' I've spoken with them and they cant help or do anything. At this point they have charged me {$29.00} for an application and are now ignoring all correspondents from me. 

They have stolen my money. Also the {$29.00} was to get a fast application. I already have a credit card with other people now as this prosess has been going on for weeks and weeks
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint filed and closed as " company responded '' : XXXX. Problem is that Equifax has STILL NOT ADDED THE EXTENDED FRAUD ALERT to credit files ( XXXX and XXXX added the 7-year fraud alert in XX/XX/XXXX as requested ). 

As of XX/XX/XXXX credit report, Equifax still shows only " FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX ''.
Consumer complaint received 2022-02-11
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: JPMORGAN CHASE & CO. (FL)

I am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (FL)

I originally disputed this account on XXXX and for lack of evidence that i had broken the lease, Upon conclusion of the dispute, i was informed by the debt collector that they had provided " proof '' this is inaccurate. All I have seen is picture of an outdoor cat that wandered the parking lot and a picture of items that are claimed to be XXXX XXXX, but are in fact legally purchased at local stores for legal usage that the landlord used to try to frame me. This is not proof of anything? Unless there is some new proof I have not seen. in which case could that please be communicated to me.
Consumer complaint received 2022-05-25
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. (WI)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
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. (GA)

Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX I contacted them via mail concerning unauthorized inquiries and inaccurate information.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Tate and Kirlin Assoc (MO)

I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account Tate Kirlin and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX XXXX XXXX.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (SC)

Hello this is XXXX XXXX. 
I am a Wells Fargo Customer since XXXX. 

I am sorry to write again but I have left emails and voices mails for two Wells Fargo executive employees for the last seven days and no response. 

I was dealing with XXXX XXXX and XXXX XXXX. 

XXXX XXXX was passing me over to do more mediation and I called him seeing if I could have my representative on the call when we meditate. XXXX  passed me over to the fraud department and XXXX My call to XXXX was about the home equity loan that was part of my last mediation. XXXX XXXX who was mediation for XXXX said he did not know what was the correct process to apply for home equity loan. 
His words it is not a process I am familiar with. He is your mediator and does not know the process? I spoke to the fraud department XX/XX/XXXX the lady said it was not necessary XXXX employees that process a credit card application in my name. Also she told me to go back to the branch and speake to the manager or the associates and see if they knew who might have applied for a credit card with my information. Is this a real representation of your employees to tell a customer to return the the XXXX location after seven years and see if they knew anything. Half of the associates are probably not around anymore plus they would think I am delusional. 
I want to speak to management at XXXX that can help me. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-02-10
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)

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-08-24
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. (TN)

Hi, I raised a dispute with Chase on XX/XX/2022 in regards to a hotel room that was cancelled on XX/XX/XXXX through XXXX XXXX travel agency. I initially booked the hotel on XX/XX/2022. I had plans to travel to the XXXX XXXX on XX/XX/2022 and stay until XX/XX/2022. My fiance ended up testing positive for XXXX that morning so we cancelled the hotel reservation soon after. I attempted to get my money back through XXXX XXXX and my agent said she called the hotel and they would not refund any of it. I believe this to be incorrect given it was XXXX related. After dealing with them, I raised the dispute with my credit card ( Chase ) on XX/XX/2022 and they temporarily credited me with the amount ( {$1100.00} ) for the hotel on XX/XX/2022. They sent me a letter stating they were reviewing the dispute and that if there is no response in 2 billing cycles from XX/XX/XXXX, the credit will be permanent. On XX/XX/XXXX, 2 billing cycles had passed and no word from Chase. They didn't contact me until XX/XX/2022 and sent me a letter on XX/XX/2022 confirming that I need to pay the charge, nearly 3 months after putting in the dispute. I gave Chase a call and spoke to a representative who was not of any help. They noted I could escalate within Chase, but likely would be the same outcome/review process. They went past their word of saying after 2 billing cycles, the credit was mine along with not backing up their long standing customer.
Consumer complaint received 2022-05-25
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)

they are reporting my name as XXXX XXXX XXXX, I DONT KNOW WHO XXXX IS, BUT I HAVE SENT IN MY CORRECT INFORMATION ALONG WITH MY ID AND MY BILL AND THEY ARE STILL REPORTING THIS ON MY FILE! 

I NEED MY CORRECT NAME ON MY REPORT ALSO MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CA XXXX NO OTHER ADDRESS SHOULD BE LISTED
Consumer complaint received 2022-02-10
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. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX  XXXX  Inquiry : XXXX XXXX, 2020 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-25
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: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

This complaint is regarding the student loan company Nelnet... This is a spousal co-signor loan ... and thru the years it has been been spiraling out of control.. Between continual wrong information given by the representatives and applying for the wrong programs..it had been a financial nightmare for us.. 
I would like to have my wife removed as the cosigner.. She is a XXXX worker for 28 years and is entitled to Loan forgiveness through the PSLF program as a XXXX worker If the loans were separated into 2 loans.. she would be able to have her part forgiven. 
Also to note these loans were discontinued in 2004..no notifications was ever given to us.. 
XXXX XXXX XXXX XXXX are a nightmare as you can not consolidate to Direct loans I was denied this recently This loan was originally XXXX now its XXXX... now accruing XXXX $ in interest every month... We are both in our XXXX 's now.. senior citizens
Consumer complaint received 2022-05-25
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX has violated my rights ..... 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-10
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: STERLING JEWELERS, INC. (FL)

While checking my credit report, I notice an account from Kay Jewelers that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Kay Jewelers is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

I originally requested a refund from EdFinancial for my XXXX loan on XX/XX/2022. I was originally told it would take 4-6 to receive my refund. I called again, twice, on XX/XX/2022 and was told to wait until 6 weeks. It's been 7 weeks now, so I called again today on XX/XX/2022. Now, I was told it will take 60-90 days, and that my request has not even been processed. However, if they take that long to refund me, then it will put me in a situation where I will have to start paying interest on my loans while waiting for my loan forgiveness, despite having already paid them off in full. 

They also can not provide me any information about my request details because it has not been processed.
Consumer complaint received 2022-02-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (GA)

XXXX and XXXX XXXX. started a garnishment on XXXX XXXX XXXX for Ford Motor Company on XXXX XXXX through the XXXX XXXX Magistrate Court . XXXX XXXX was served with a garnishment at his place of work which caused integrity problems with XXXX 's employer. This could have been avoided if the attorney would have chosen to use the due process of Georgia State laws on collections. This case XXXX was first brought to the attention of the Georgia State Court in XXXX XXXX XXXX XXXX. XXXX XXXX has recently purchased a house from the U.S, XXXX, and also purchased a car that was financed through XXXX XXXX with no attention brought to this alleged debt. It is XXXX 's belief that this debt was sold and then recently enacted due to the lax in due process rules because of Covid-19. The XXXX XXXX Magistrate court denied sending the garnishment themselves and told XXXX XXXX that the process of collections was only filed through their system electrically and is done on the pretense of the collection agencies and attorneys will use state by state protocol in lu of Covid. This alleged debt is over 15 years old and does not meet proper collection protocol in the state of Georgia, which is 6 years. There was no due process of the alleged debt.
Consumer complaint received 2022-05-25
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: SLM CORPORATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I was applying for a mortgage with Mr. Cooper who pulled all my credit reports and changed my information on my credit report. They for some reason updated my residential address and inserted my office. I contacted them on various occasions to correct this and they have simply ignored my request. This has caused me major problems as I am getting other quotes and now have to spend hours and days on the phone trying to correct this issue with all three agencies. They were very quick to call and follow up when they were trying to get my business, and now, just ignore my requests after messing up my reports.