davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I was XXXX for a few days due to a XXXX When this happened my property was left on the scene due to the police not grabbing it, which resulted in someone getting my property. While I was XXXX someone withdrew and charged over {$9000.00} and on XX/XX/XXXX I called and reported this to Wells Fargo fraud support. They called me a few days later to ask questions which I answered with no issues. On XX/XX/XXXX I was found to be responsible for the charges and basically lost the money. I've been a customer of Wells Fargo for a few years now, and I've saved up my money to the best of my ability and to have my bank not help me better is very disappointing. I want to appeal their decision but to my knowledge there is no way to do so. Please help. I work hard for my money and this happening is making life a lot harder especially with the inflation going on in the economy.
Consumer complaint received 2022-10-08
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. (PA)

Reference CFPB Complaint # XXXX. 

I have received credit reporting history from Equifax via US Postal Mail. Equifax maintains that XXXX  reports " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *MONTHS REVIEWED. If you have additional questions about this item please contact XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Phone ( XXXX ) XXXX '' Equifax is XXXX informed that XXXX has not told you the truth. A payment to XXXX in the amount of {$650.00} for the month of XXXXXXXX XXXX XXXX was paid on XX/XX/2022. Per the documentation I have received, it is shown that the month of XXXX was " reviewed '', but the date of last payment was XX/XX/2022. I have multiple pieces of evidence that proves this to be completely inaccurate and I can provide copies of my ledger history and screenshots of the online XXXX account. According to what I see, XXXX maintains that the account is currently past due by XXXX days. This is NOT CORRECT. If Equifax can not hold finance companies accountable, then I will have no other choice but to escalate the matter. 

Please diligently investigate claims instead of lazily sending what finance companies " claim '' without getting to the bottom of the complaint.
Consumer complaint received 2022-10-08
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. (CA)

I was charged an extra fee by a hotel that I didn't consent to, that is, XXXX XXXX in Nevada. I paid the full amount of my bill online through my XXXX card, and provided the receipt. Citibank denied my dispute, saying that I had to provide a credit card statement showing payment. However, there was nowhere to upload my card statement.
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (FL)

I applied for and obtained a payday loan from skytrail cash. The amount of fees are well over the state of Floridas allowed interest for a payday loan and I have been taken advantage of. I have received multiple calls from them at my place of employment and advised they can not call but they continue to call. In addition I have received a threatening email that they will debit my checking account knowing full well ach has been revoked and I am not allowing them to debit my account and put it into the negative. I have more than paid for this loan with the amount of fees that I have been charged.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NC)

I had a Loan through Moneylion that went XXXX of XXXX till XXXX of XXXX. The loan was reported closed and paid in XXXX of XXXX to all credit bureaus and I opened another small loan with Moneylion. In XXXX of XXXX. Last week I keep getting reports that I was a payment behind on my loan despite being on time and accurate with the loan. When I asked moneylion what the issue was the claim that I missed a payment in XXXX of XXXX on the past loan and that is what was causing the issues. I informed moneylion that it is almost a full year later. I have opened another loan, The loan is closed and reported as paid and have had no issues. They claim the amount was returned and they never received full payment now. Although it show that I paid them 25 payments of {$19.00} totaling around {$490.00}. I informed them that I would pay the {$4.00} missing but I would not pay any interest on a closed loan that they created error on for almost a year. Moneylion is now hold other service including use of banking service until I pay them the {$19.00} on the closed loan. Attached you will see my credit report showing the loan paid reported as paid on time and closed.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have been told by US Bank that my account is pending closure and that my direct deposits will not be available to me until XX/XX/2019. I explained to the bank manager that my direct deposits are used to pay my financial bills, so immediate access to my funds was necessary to avoid late charges and utilities stopping services.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

I have already filed a complaint with XXXX XXXX XXXX because I believe XXXX XXXX was negligent in forwarding me the report in question but LexisNexis is VERY DELINGUENT in its reporting accuracy about me. I received an ins score report, sourced from LexisNexis, indicating my ins score is XXXX and highest could be XXXX. Reasons for what I perceive to be a low score appear to be old and inaccurate. There appears to be no requirement for LexisNexis to update its reporting details. Some of the statements and the details within them could be more than three years old. Information about LexisNexis online is vague and rambling. Whether a score of XXXX is good or bad is not at all indicated. Further if consumers want more info they have to contact LexisNexis and wait sometimes for WEEKS to get answers. I believe, based on the sloppiness of this entire process I may NEVER hear from them. If this company is going to be free and careless about how they report consumers ' details, they should be more accurate!! For example, did they think to update ANYTHING after the recent XXXX debacle, where some consumers ' scores were dropped 100 points or more??? How do they get their information?? Do they check it for relevance?? How do they inform consumers they exist and possibly use their financial information against them???
Consumer complaint received 2022-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

FedLoan Servicing is handling the student loan refund in such a chaotic way. I called first on XX/XX/22 to request a refund. They said they put the paperwork in for around XXXX ( what I paid during covid only ) and it will be 30 days. Apparently they have an automatic voice recording of when you filed for the refund and mine said my application was never filed. 

I called customer again on XX/XX/22 and filed another refund, but this time she said it will be a refund of XXXX, all that is eligible for the student loan forgiveness. Then I inquired more about the cutoff date for refunds since I read that it is only for what was paid during covid suspension. 

I spoke to like XXXX different customer service representatives that day and they all gave me different answers to my refund.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I have paid over {$4000.00} in overdraft fees in 2018 thus far. Although many have been my fault many times the bank will put a check through that causes my account to go negative and they will charge me fees for purchases I have made while my account was still in good standing.
Consumer complaint received 2021-03-11
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. (MO)

Equifax Credit Report Original creditor this co-pay for XXXX XXXX {$45.00} I paid this you can't see the doctor unless you paid, XXXX I never had XXXX XXXX {$300.00}
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (KY)

XXXX I have signed up online account with equifax and tried to place a credit freeze, I was not able to do do- the website asked me to call customer service which I did and immediately the service agent tried to sell me XXXX credit monitor service which is bunch of XXXX- I know my right- I asked him to place freeze on my account and he put me on hold- again and again ; after 20 minutes he said he can't do it so transfer me to 2nd agent and again after another 20 minutes- nothing was done and we got disconnected. this is a joke- the other 2 credit agency have no issue of me doing online credit freeze. 

equifax- this is terrible for what happened to me- tried to sell me monitor service instead of take care of me as a consumer over the phone- I need an answer on what's your business model and where is my right on able to place credit freeze free of charge
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Today, I called Equifax about my dispute results for Confirmation # XXXX and XXXX. They refused to remove the inaccurate information after I informed them of the inaccuracies by certified mail. I asked if they could remove the unverified item from my credit report because it hurt my scores. I provided them proof of all the allegations with the letter of dispute that was mailed both times. In my letter, I asked if they could give me a copy of the contact person information that conducted the investigation. Still, they were refusing to tell me to contact the creditor. After several attempts to remove the item, they transfer me to a survey at the end and disregard my request altogether. I am very displeased with how these Credit Reporting Agency is getting away with not investigating the dispute and using the XXXX  XXXX  to dispute items on the consumer credit report. They put all the correct information on the credit report, and it's not fair to the consumer. The Department of Education and the XXXX  XXXX XXXX report the same debt on my credit report as a duplicate. Equifax refused to verify to see which is accurate and remove both of them for not doing a good job validating the debt. And the XXXX  XXXX XXXX is reporting other student loans that do not report the original date of the available loan. It's over the 7yrs reporting time. I reportedly asked if they can furnish me a copy of the finding in which they refused. I am eager for you to step in and resolve this matter as quickly as you can. Also, they are reporting inquirers from promotion, and I have not authorized them, and they refused to remove them. Can someone please help me with these issues?
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Dear sir/madam, Due to the pandemic, I lost my XXXX XXXX and I fell behind my mortgage payments.The lender offered a loan modification which I accepted, it was signed notarized and return but they claimed that they never received it so they cancelled that offer and asked for the full amount due. Eventually they started to accept payment and I'm paying extra every month but it is a hassle to find someone to accept the payment. Today XX/XX/2021 I tried three times with a long waiting period and no one to accept my payment I also found out that my last payment is in suspense. This is so difficult and frustrating and I'm looking for help to get it solved, I would greatly appreciate if someone can help me, Thank You.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I been calling the major credit bureaus XXXX XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XXXX is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to Equifax, XXXX, XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job XXXX to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.
Consumer complaint received 2022-10-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc. (CA)

Hello, I received a letter in the mail about a medical debt from XXXX for a bill that I called and spoke to them about. I have an email from XX/XX/XXXX saying that I could set up payment plans and now the debt has been sent to USCB debt collection. I was told specifically on the phone that medical billing does not incur interest or go into debt collection. This is damaging to my credit and I did not receive a notification or any calls that the debt was going into collection. I've reached out to XXXX about this since receiving the letter through email but I would like this taken out of collections.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (VA)

I opened an M & T Bank account to get a bonus, which required me to transfer {$10000.00} into my account. When I attempted to do this, I learned that their bank to bank transfer option was under maintenance and there was no estimated date for when it would work again. Then I attempted to transfer funds via XXXX, but that system caps the maximum amounts far below what I needed. 

When I brought this to the attention of M & T 's customer service, I got the same response twice : If your account has been open less than 180 days, we will assess a {$50.00} account closing fee. 

M & T Bank is refusing to waive the {$50.00} fee even though their bank and transfer systems do not allow me to transfer money into my account.
Consumer complaint received 2022-09-18
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. (CA)

I filed a dispute with EQUIFAX about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Consumer complaint received 2022-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

chase upgraded me to private client in 2010. Now all of a sudden they are saying my average balance is not qualifying and they are trying to charge me fees for everything. They are not willing to consider my business account balances towards my personal. Just my business accounts alone more than qualify for private client ( {$100000.00} ). Ive been a client for 40 years and this is just really unfair and sad.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC (OR)

Was quoted {$650.00} for appraisal fee on XXXX. When I signed XXXX XXXX XXXX XXXX it changed to {$750.00}. I followed up and lender said after they " verified '' appraisal fee it should have been {$750.00} not the original quoted {$650.00}. I paid {$750.00} for appraisal on XX/XX/XXXX. On XX/XX/XXXX they said the appraisal had changed to {$1400.00}. I emailed same day saying this was a residential property and that {$1400.00} was way out of the ballpark for those services. On XX/XX/XXXX they said they found an appraiser for {$900.00} which I also pushed back. It was my understanding that upon signing the application those items would remain unchanged unless appraisal came back too high or too low. I feel like this company is trying to extort clients by charging excessive fees after the fact.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CA)

Hunter Warfield in XXXX, FL is attempting to collect a debt from me for a past lease break, for XXXX XXXX in XXXX XXXX, CA. I left within the terms of my lease break clause, I was never late on rent, and left no damages to the apartment, and was still charged, and my deposit was withheld. Hunter Warfield also flagged my credit as collections twice, within 30 days, for the same debt, which is illegal under Drews Law. You can only flag someones credit a single time for a debt.