davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (OK)

On XXXX I recieved a text from my bank Netspend skylight asking if I had made made a purchase from XXXX  for {$310.00} I replied no and they immediately closed the card. I checked my account and found 2 other charges one for {$120.00} and another for {$120.00} all three transactions were made at XXXX. I filed a dispute with my bank for the 3 charges. And after waiting for 3 weeks was told by my bank that the charges were valid and they would not be crediting back any money.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an investment account with XXXX, they were bought a while ago by Capital One. I have been unable to access my account as they throw up roadblocks every time I try. I just want to close the account. Their most recent excuse is my email address contains the word junk. This is my email address ( XXXXXXXXXXXX ). They send me emails all the time at this address. I have attached XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (ID)

I can not afford the new payment for my loans, it was interest only and went up by {$200.00}. When I called in an attempt to make some different arrangements I was advised to not make the payment, causing it to go to collections and then they said they would be able to make different payment arrangements after that. I do n't understand why they would want me to risk my credit by doing such a thing. I explained that I could afford an increase of {$100.00} per month but not an increase if {$200.00}. They insisted that there was no other way to make a different arrangement without sending my account to collections.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

we bought new furniture at XXXX XXXX 12 months interested free was paying on it for 11 month all auto payments payments came out on the 5th of each month like clock work, when it came to the 12th payment all of a sudden the payment could not process and then Well Fargo add all kinds of fees.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Hello, On XX/XX/2022, I was contacted by a friend via XXXX. She talked about an investment opportunity called " XXXX XXXX '' and talked about how it worked for her. She send " proof '' of how everything worked. After this, she send my information to another person to contact me. I was talked into investing, as both persons were talking to me at the same time via XXXX messages ; knowingly that I was supposedly talking to a friend, I trusted it. Not being confident enough to trust the methods they used, I was forced to use the XXXX XXXX and sent {$2000.00} dlls ( on XX/XX/2022 ). to the contact my friend send me. After this, I was asked to send more money for some " mining fee '' so that I can withdraw the earnings, so I started hesitating. I then tried to contact my friend and the other person to the number she gave me for the XXXX deposit and I couldn't reach them. After a couple of hours, I was blocked from both accounts and both profiles were deleted. Apparently, both XXXX users were hacked and another person was using them ( they were real accounts, with pictures from years and they were on my contacts list ). I was scammed. 

Immediately, I filled a claim with my bank ( Wells Fargo ) the next day, but after 2 weeks their response was that nothing can be done. 

I also filled a complaint with the FBI ( XXXX ) and I report the number to XXXX, because knowing the name and cellphone number they sent me to use the XXXX XXXX, I got information about where the person was registered.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC (TN)

I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I am writing to file a formal complaint against JP Morgan Chase Bank for their violation of US law and their own policy. Recently, I opened an account with Chase Bank and deposited a check which was made out to another individual and not myself. However, I personally cashed the check and the payee endorsed the check and instructed the payment to be made to me. Chase Bank accepted my mobile deposit of the check and deposited the funds into my account.To my surprise, shortly thereafter, Chase Bank withdrew the funds and closed my account without any notification of the issue. When I contacted Chase Bank to discuss the matter, they stated that both the third party and I have to go to a Chase branch with 2 different forms of government ID to clear up the issue. However, this is not an option for us due to various reasons. I would like to bring to your attention that according to US law and JP Morgan Chase Bank policy, they are obligated to notify the account holder immediately in case of any issue with the account. Additionally, Chase Bank is required to follow the guidelines set forth by Regulation CC of the Federal Reserve, which specifies the amount of time that a bank can hold onto funds from a check. It is unacceptable for Chase Bank to hold onto the funds and not return them to the issuing bank if they are unwilling to release them to me. If Chase Bank is unable to accept the check, they need to have the check recalled and sent back to the issuing bank. However, the issuing bank is showing the check as being cashed and therefore, the check issuer is unable to have the issuing bank reissue the check. 
Furthermore, I would like to mention that I called Chase Bank before depositing the check and followed their instructions for depositing a third-party check. Hence, it is evident that Chase Bank did not follow their own policies and procedures, which led to an inconvenience and financial loss to me. Therefore, I request that you take immediate action against JP Morgan Chase Bank for their violation of US law and their own policy. I also request that the funds be returned to the issuing bank or be released to me at the earliest. Thank you for your attention to this matter.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

On XXXX I sent a letter requesting information about a loan payment increase due to an escrow shortage. But, I my pmts were misapplied as mortgage pmts and I dont have a shortage. I also asked about my pmt history report. The company said the have 60 business days to respond, but have not and I have applied for a HARP loan that can not move forward until I get these issues resolved. They keep telling me they escalated the issue, then at end of the 12 weeks, I get a letter stating they need more time. But, 60 business days equals 90 calendar days and I still have to pay the aditional fee for the shortage, can not get my HARP refinance, and cannit get anyone to explain why it is taking so long to send the information requested and fix an escrow pmt error.
Consumer complaint received 2022-11-22
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)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-11-22
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 a lot of fraudulent accounts on my credit report. It is damaging my credit and causing my scores to drop. This is violating my FCRA by limiting my ability to obtain credit caused by the inaccuracy.
Consumer complaint received 2022-03-15
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. (FL)

in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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 2022-04-08
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: SUN LOAN COMPANY INC. (TX)

FRCA Violation credit card XXXX XXXX FRCA Violation loans XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

There has been fraudulant activity on my account. I have made contact with the bank and they are not trying to help me in any way. They told me that I am participating in some sort of scam so there is nothing they can do to help me. This is the second time in the past 30 days that something like this has happened. The first time, they claimed they looked into it and found nothing wrong but did reverse my funds. Now, this has happened again and they are not willing to help me at all. There was over {$4000.00} deposited into my account not by me and I do n't know who by and then it was taken right back out at a local ATM with the funds that I had in there. USAA claims that this was me and that everything I am telling them is a lie. This is absolutely not me and I have no knowledge of who it is and what bank would allow a withdraw for over $ XXXX at an ATM? I need this issue investigated and I want my funds back that someone has taken from my account.
Consumer complaint received 2021-11-26
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. (MI)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Last year I had a brief financial hardship. I utilized the services of XXXX   XXXX  to consolidate my accounts so that I could continue to pay each account on time. However, I was not properly counseled on the negative impact to my credit due to them closing my accounts and tanking the average age of my credit. I was told there would be no impact to my credit. I only found out the accounts were closed after I paid them off and was under the impression they were suspended.
Consumer complaint received 2022-03-15
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: Rent Recovery Solutions (TX)

Almost all of the agencies that have reported my credit have been marketing my information to obtain another payment after payments have been made. Multiple accounts have been closed also causing incorrect credit reporting and attempts to sell my information outside of the fair credit reporting act. Some of them do not report positive reflection after being paid off completely and closed they resell information to XXXX party companies with my personal information and use it to report negative reports instead of positive after payments have been made. Please contact me directly with a email or call to discuss all information regarding this issue. Thank you for all assistance
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NY)

Someone opened this account under my name and a like social and different address etc. I have file a complaint with XXXX and they refuse to remove the account from my credit bureau. I have written to them 3 times and in none they are able to provide me with information that shows this account is mine nor that I opened this account.
Consumer complaint received 2015-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

Upon being notified by my cell provider that there were several erroneous items on my credit report, I contacted all XXXX of the major credit bureaus to correct the errors. Of the several errors on my report, XXXX was a XXXX Bank credit card account that was sold to XXXX XXXX. Through the CFPB 's assistance, XXXX removed the account from all XXXX bureaus. Since they were alerted the account was not mine in the XXXX place,, XXXX XXXX and XXXX removed the XXXX account from my credit history. 
Equifax however after being advised repeatedly by certified mail and through their website have ignored my demand to remove the XXXX account from my record ; claiming that they have verified the account to be mine ; which is a falsehood. I maintain that this was never my account. I have been disputing this for more than XXXX months now and am now demanding proof of this debt from XXXX Bank as I know it does not exist. Short of legal action against Equifax, I do n't know how to proceed.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-15
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. (AL)

Okay I sent Equifax information service a dispute letter XX/XX/2022 asking them to validate some accounts thats on my credit report. Because Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in they files. So I wrote the dispute letters asking them to carefully verify those accounts which are XXXX Finace XXXX XXXX XXXX service and I have been proof I sent them dispute letter through certified mail. Asking them provide me proof such as a sign contract with my signature but Equifax failed to do that so XX/XX/XXXX I received a letter from them stating they verify those account are accurate and they are mines they didnt send me any proof no documentations Equifax information Service have ignored my request to provided me with the documents that they have in they files that was used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncomplia eral Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

The accounts that need to be removed immediately are XXXX XXXX {$410.00} XXXX XXXX {$270.00} And dont write me back and say they were verified Im looking for any documentation the creditors sent to your company to prove this account are mines and I have all the proof. So please remove these unverified accounts from my credit Thank you.
Consumer complaint received 2015-08-08
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC (MO)

My mortgage was recently transferred to Shellpoint Mortgage Servicing. I was given the phone number ( XXXX ) XXXX. When I try calling them, the greeting " All calls will be recorded '' is played, then the call disconnects. This has been going on for several months. I 'm also unable to create an online account. I need to discuss this and other issues with them. I 've been making my payments via USPS XXXX so I have proof of delivery, but this should not be necessary. It need the means to communicate with this company.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

PayPal Mastercard by Synchrony Bank I have n't had this card long at all, however every single time I make a payment my payment is not showing in my available credit and every single time I have to contact this issuer and ask WHY? They continuously tell me they are 'waiting for confirmation ' - yet do n't tell me what that means. For example, last week I made a {$200.00} payment, it was taken out of my personal bank account 24 hours later, yet 48 hours later from that it is still not reflected on my account. I contacted them yet again, they tell me to 'wait ' another 48 hours 'to see if it is confirmed. WHAT IS THIS BOGUS XXXX???? Taking my money then waiting a week + to actually post it. THIS IS WRONG.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I changed my name more than a year ago. The other day I noticed my credit score was declining when I checked it on my XXXX account. I tried to get a free report with my new name from the XXXX website but i was not successful. I requested a credit report via mail more than three weeks ago by submitting all the required information but I have not received anything yet. I have tried to contact them multiple time but i have not been successful yet. What am I supposed to do if there is no a physical building or a person I can talk to directly? 

thanks
Consumer complaint received 2022-03-15
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. (IA)

The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.