davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

When are you going to shut down Experian Boost scam? How can you possibly improve your credit by agreeing to buy a product ( Boost ) from them? A credit rating is supposed to be based on a persons actual experience with the use of credit and nothing else. To compound the problem, I dont think it is any accident that they reduced my credit rating from excellent to fair without the addition of any additional information. Any chance the reduction in my rating was made to induce me to purchase Boost? XXXX consistently reports my credit rating as excellent and approximately 175 points higher than Experian. The Boost scam needs to be stopped ASAP!
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NE)

I have a serious problem. I got a care credit account, the emergency vet reccomended when my dog was attacked, they said its great and interest free. then when paying my bill one month syncrony advertised i get a discount on my pets best monthly bill if i use my care credit on auto pay so of course, why not, trying to save money. I got a notification from the credit bereau that my card had significantly increased the balance which i thought was strange because have not used for a while and been making pmts of over 100 monthly so assumed i was almost getting close to having the balance to zero. Imagine my shock and horror when my balance is over XXXX and 90 % is interest charges. also, they periodically without warning delete auto pay from my account so they can then charge me a late fee. I would never in a XXXX years have used this service if i had known they would charge me interest, not even reasonable interest, they have every single time ive used this card still active and im monthly being charged for the full purchase even if only owe XXXX, there are like XXXX purchases that i owe less than a dollar but they then start putting pmts towards another charge so they can charge me for all of them? this is on a card that was sold to me while my dog was in serious bad shape and its supposed to be XXXX interest. i cant afford this, im gon na have to go bankrupt, this company syncrony has ruined me, every other acct i have is in good standing, XXXX issues and it feels like its got to be illegal, i know its immoral and terrible way to treat people. im at a loss, they give confusing, and conflicting info on the website. no way to even tell what charges are from where, for the past year the only charges are huge interest charges, XXXX $ per month on several occasions and no explanation. how can they do this on an interest free medical assistance card? its unfair, i would have never ever got this card if it wasnt pushed on me as no interest. sure as heck wouldn't have had a recurring charge made on this card for a discount, only to pay XXXX the discount in interest. its false advertising, fraud, extortion, how are they allowed to ruin poor people in this way? please help
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AL)

On a XX/XX/2021 I applied for the Freedom card on the Chase App. The enrollment offer was clearly stated on the app as ( 1 ) the XXXX point offer and ; ( 2 ) a promotional 5 % grocery store offer. I read the terms and it seemed that I would be eligible for the bonus. Once I received the card, I noticed the bonus was not applied. I wrote Chase a secure message requesting reasoning why I did not have the bonus on XX/XX/2021 and XX/XX/2021. Chase responded that I did not click a link necessary to claim the offer. This is false. The offer was clearly extended to me and I was induced to apply for the card over overs because of the offer. I called Chase during the week of XX/XX/2021 to request the matter be escalated. On XX/XX/2021, Chase sent me a letter in the mail which provided no information other than that I was not eligible. Chase provided no legitimate reason I was denied the bonus. 

I have a screenshot of the exact page on the Chase app that I clicked to apply for the card, which I accessed on XX/XX/XXXX.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, Capital One, XXXX XXXX, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX XXXX me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had XXXX missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Enhanced Recovery Company ( ERC ) LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3100.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with Enhanced Recovery Company LLC. ERC does not have a contract with my signature and I do not owe them a debt.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (OH)

When buying a car from XXXX they used a company called BridgeCrest for their financing. We had the car for a month but it was totaled in an accident on XX/XX/XXXX. Considering we had gap insurance, XXXX paid the loan total on XX/XX/XXXX and we were supposed to shop for a car within the month of the accident. Since then Bridgecrest has yet to report the loan as paid to the credit bureau and we are unable to apply for a new loan and another used car. leaving us completely in limbo waiting for an update. We call daily and their best advice is to keep calling until there is an update. it has now been over a month since our insurance company sent the check to them and we need to get this cleared so we can have a car again
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This issue has been going on since XX/XX/2019. Experian, XXXX and XXXX fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Effective XX/XX/2022, AMEX modified there card agreement that in lieu of automatically getting a {$300.00} statement credit, a {$25.00} credit on a qualifying restaurant purchase is applied monthly. Between XX/XX/2022 to the present, I had no issues with the exception of XX/XX/2022. I purchased dinner at a local restaurant called XXXX 's on XX/XX/2022 ( posted XX/XX/2022 ) at the amount of {$62.00}. The credit never arrived. After calling three times, I was told that they do see the establishment categorizes as a restaurant but for some reason no one I speak with can not issue the {$25.00} credit. 

I called a forth time and they said that they would issue the credit and it would take 24-48 hours to post. It has been longer than two days and I have yet to see the credit posted to my account.

After four failed attempts, I am escalating this issue to the CFPB.
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, the following account companies have violated my rights. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

Just to give a specific in a short version I dont know how much typing this allows me. PHH Mortgage has giving me the run around for 9 months now. CS Reps no knowledge how to answer questions you ask. Being assigned to a different case mgr twice.Submitted 4- 5 mortgage assistance applications for them to tell me I'm not eligible because I need to have my loan 12 months which was not stated. If I knew that why would I go thru 9months of faxing, calling, spending money to send all this paperwork. I wait til it 13 months as they suggested and be denied again Now here come the pandemic I explained I have {$10000.00} toward my NOW {$18000.00} to resolve my mortgage up to date and they say NO REALLY! LOOK AT THESE DATES THEY SUBMITTED VIA MAIL I could speak to them via phone then they send a letter dated the same day with a different response. IM already nervous abt this virus as I suffer from XXXX & XXXX PLEASE PLEASE REVIEW ATTACHMENT
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On XX/XX/2022 XXXX I received an email notification from chime titled Action Required : Please Reply Hi XXXX XXXX We are reaching out to you because, during routine monitoring of accounts on Chimes platform, we identified that you may have created two or more Chime Checking Accounts. This may have occurred accidentally at enrollment, however, Chime does not permit members to have multiple Chime Checking Accounts. 

In order to avoid any account disruptions, please provide the following items for review : Primary government-issued photo ID, such as a Drivers License or State ID card ( copy of both the front and the back ) A photo of your signed Social Security card Please provide the email address & phone number that is associated with your primary Chime account. 
How This Impacts You Please note : There is no impact to this account at this time however, you will need to respond to the above question ( s ) within 5 business days to avoid potential account access restrictions. 

I sent all documents requested the same day XX/XX/2022 multiple times. I called and contacted member services and they told me the account has been suspended while they investigate which could take 48 hours. I contacted chime again through email XX/XX/2022 asking for an updated, chime responded : Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. 

Thanks, Chime Team
Consumer complaint received 2020-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CA)

I have a XXXX loan for my XXXX  program through the XXXX  XXXX  XXXX XXXX. The company that services this loan is call XXXX XXXX. This {$48000.00} loan is being collected at an interest rate of 10.25 %. in XX/XX/2020 I applied for a reduced payment plan with this company. My request was approved and all payments were made on time via direct withdrawal. Despite this, the company reported the acount as 60-90 days past due. After contacting them they acknowledged the era stating that although I am on a payment plan the system hasnt been updated to reflect that but that it would be fixed. This happened in XX/XX/2020, causing me to lose approx. {$15000.00} in available lines of credit form my other creditors through credit line reductions and/or credit card closures. it took approx. 8 months for my credit report to be updated. Once fixed in XXXX. 2020 I thought this problem was behind me only to have the exact same thing happen on XXXX XXXX XXXX causing my XXXX  credit score to drop 50 pts. despite the payments they are taking from me via direct withdrawal and the agreed upon payment plan in place. My husband and I were also days away from purchasing a new vehicle because the engine went out on our current car and now we can not because of my credit score.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (LA)

I wanted to know if i could purchase a home. I went and had my credit pulled once in XXXX and i authorized that. Then they used a company called Factual Data to pull my report again one time a month for the next 4 months and in some cases twice a month without my permission. Now my scores and reports are hurting because of these unauthorized inquiries and i would just like them removed so my score will be what it should be.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX XXXX, XXXX no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report. 
Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses. 

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2020 I was supposed to get a unemployment deposit and checked my account and it showed that it was on pause. 

several of my payments bounce, resulting in overdraft fees. I contacted the bank and I understood that they were going to reverse the fees. When I double checked they only reimbursed a partial amount of {$8.00} approximately per fee and kept the rest. 

XX/XX/2020 I contacted customer service again, ask for a supervisor and they said that because I had accepted this Arrangement the first time that he would have to forward it to there consumer advocacy Department. 

I explained that it was as a result of covet and that I did not understand that that was the arrangement the woman was providing. She was not clear when I called. 

I am still waiting for unemployment that is pending, even though there is no issues that I am aware of that is holding it up. I would like full reimbursement for the fees that were taken.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (VA)

I sold my vehicle to a dealership on XX/XX/2021, the finance company Exeter Finance received the payoff on XX/XX/2021. On XX/XX/2021 I cancelled my extended warranty and was told that the refund of XXXX was being sent to me. On XX/XX/2021, I realized that Exeter had accepted my refund. It is now XX/XX/2021 and every time I call a different supervisor gives me different answers. I still have yet to receive my {$1500.00}. Ive called twelve times and spoken to twenty different people. I want my money! Also, I was told the payoff would have been reported to the credit bureaus on the XXXX of XXXX and this has not occurred. Meanwhile I am without a vehicle due to not being able to finance until this shows paid off.
Consumer complaint received 2021-07-06
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. (TX)

Duplicate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX They are reporting my auto loan twice on my credit report, it is listed slightly different but it is the same loan and same account for the same car. 

This issue has been corrected on XXXX  and XXXX  with no issues and equifax has failed to correct it or even attempt to correct it as they stated they would. I only have and only ever had one account with XXXX XXXX XXXX