davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (NY)

Total scam and fraud. Do not link your bank account or give your credit card. I signed up for Moneylion in XX/XX/2019 after clicking on an online ad. I took out a {$500.00} loan and had to link my bank account and credit card, to receive the loan amount. My bank account was charged {$19.00} twice a month, plus a {$39.00} " membership '' fee once a month. In XX/XX/2019 I tried calling because I wanted to payoff the loan in full and cancel my " membership ''. I was on hold waiting for a representative for over an hour on several occasions and each time I was given a different payoff amount - {$580.00}, {$420.00} and {$380.00}. I emailed several times as well and was never given a the final loan payoff amount or a way to do that. I also could not unlink my bank account. I saw that Moneylion kept attempting to make the {$19.00} and {$39.00} withdrawel from my account, despite the fact that I had called and asked for the final payoff amount so I could pay with a debit card. Yesterday they made several attempts under different business names that I was charged {$100.00} in overdraft fees! In frustration I asked for my mother to call and help. She also was told different amounts, and then today was kept waiting on hold for an hour and twenty minutes. She called me in to get on the call with her so we could payoff the loan with her debit card and they hung up on us. I then XXXX  Moneylion and saw that they have an F rating with the XXXX XXXX XXXX and many similar complaints. They also said that they will liquidate the {$100.00} in my " investment account '' and refund it in a few weeks and then I would be able to use it to pay the {$140.00} in membership fees. But I've already been paying " membership '' fees every month from my bank account, with no membership benefits! This is a scam, predatory lending and fraud.I will be closing my bank account, on the recommendation of the manager where my family banks, so they can't continue to try to make withdrawals. For the loan payoff, if they ever respond with accurate info, I will be using a prepaid debit card and have cancelled the credit card that was linked. I am reporting this to the XXXX, Consumer Finance, Federal Trade Commission and the Attorney General.
Consumer complaint received 2019-06-14
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. (MO)

I contacted Chase credit card services in early XXXX to dispute two charges made on XX/XX/2019 for XXXX because the service that I signed up for was not being provided. Chase provided a temporary credit for these charges and on XX/XX/2019 at the Chase representative 's request, I faxed in documentation ( with the case number ) as proof that I was being denied/not receiving the service. I waited for an update from Chase and never received one. When I noticed that the charges reappeared on my statement, I again contacted Chase and was told it was because I never submitted any documentation ( which was not true, the fax confirm sheet is attached ). I was told to reopen the case by again faxing in a new letter and documentation which I did in early XXXX XXXX. I also loaded it to Chase 's Secure Messaging system, not trusting their fax processors. In spite of my providing documentation/proof that I was not receiving the service that I paid for, Chase told me that it was siding with the merchant because the merchant told them they would be willing to provide me with the service and doesn't provide refunds. I am not receiving the service that I paid for and now Chase ( XXXX, a supervisor I spoke to on XX/XX/19 ) is telling me it is too late to to do anything about it because it is outside of Visa 's 118 day dispute time limit. Chase repeatedly dropped the ball throughout this process, never considered/processed my dispute or submitted documentation in a timely manner and is ultimately trying to stick me with these bad charges.
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (FL)

Please reference prior CFPB complaint XXXX. Despite the company 's admission of error and statement in their CFPB response letter that they would correct the credit reporting errors, the referenced payments still reflect on my credit report as 30 or 60 days late. 

Subsequent to my previous issue, the company is reporting 30 days late on my XX/XX/2018 payment, which is incorrect. The payment was made late, but was not 30 days late. It needs to be removed from my credit report. 

I am attaching the company 's response to my prior CFPB for reference.
Consumer complaint received 2019-02-18
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. (NY)

i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (GA)

I have contacted both XXXX  and Equifax and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to Equifax and XXXX   along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both Equifax and XXXX so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

When Firstmark acquired my private student loan from XXXX, they changed the loan from a fixed rate to a variable rate. They have then raised the interest rate from XXXX % to XXXX % and rising. I have called Firstmark three times about this : - On the first call ( XX/XX/XXXX ), they lied and said that they had my promissory notes and were looking at them during the call, and that the loans were variable rate loans. I asked them to send them to me and they said I would receive them in 1-2 days. They never arrived.

- On the second call ( XX/XX/XXXX ), they told me that they did NOT have the promissory notes at all. Instead, they had ordered the promissory notes from XXXX and they would be delivered in 1-2 days. They still have not arrived. 
- On the third call ( XX/XX/XXXX ), they said that they did not have the promissory notes and they had no idea when or if they would arrive. They would not reinstate the fixed interest rate without the promissory notes. 
At this point, Firstmark has illegally converted my fixed rate loan to a variable rate loan. They refuse to reinstate the fixed rate or refund the interest.
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: PNC Bank N.A. (NC)

XX/XX/2019 - I purchased a car from XXXX XXXX XXXX NC. 
Even though I did not want to take the car loan as their rates were high, I was forced by the dealer to take the car loan. The dealer refused to provide me with the purchase contract to enable my credit union to issue the check for the loan amount. 
I was misled by the dealer that we could directly pay the loan within 30 days without prepayment penalty or interest. 
The dealer issued the loan through PNC Bank. 

XX/XX/2019 - After receiving the loan document, I went to the PNC Bank to payoff the loan. Instead of the loan amount of {$23000.00}, I had to pay {$24000.00}. The remainder being interest or fees. 

I would have to wait for 3 weeks to get the title. 

I believe PNC Bank incentivizes car dealers to indulge in this sort of high-pressure sales tactics instead of acting in the best interest of consumers.
Consumer complaint received 2019-06-14
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: SYNCHRONY FINANCIAL (NY)

I'm a member of Amazon Prime through a family member and wanted to take advantage of the 5 % cash back rewards card Amazon was offering. Since I am not directly a XXXX XXXX, I called Amazon on XX/XX/XXXX, XXXX around XXXX and spoke to XXXX from Amazons customer service department to confirm if I would still get the full benefits ( 5 % cash back rewards ). I was assured that if I received the benefits of Amazon XXXX ( such as free shipping ), then I would be eligible for the 5 %. Based on the information received from that call, my concerns were satisfied that I would receive the full 5 % cash back so I opened the credit card. 
On XX/XX/XXXX, I registered my credit card account online and found that I would only receive the 3 %. I called Synchrony Bank who put me in touch with Amazon, who I was told handled the rewards aspect of the card. After speaking with customer service, I was told that I was an " invited guest '' and would not be eligible for the 5 %. 
Had I known I would only get the 3 % rewards, I would not have opened up the credit card, which impacted my credit score. Given that I called specifically to confirm my rewards eligibility, I can't help but feel like this was a bait and switch by Amazon to entice people to sign up for their credit card. 

I asked to speak with a manager and was told they would return my call that day ( the XXXX ). Today, Friday the XXXX, I called back after hearing nothing and spoke with a manager ( XXXX ). I was definitively told Amazon would not be able to grant me the 5 % unless I was a paying XXXX XXXX.
Consumer complaint received 2019-03-13
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. (AZ)

I've secured hard alerts on my credit file but old accounts are still showing on ONLY Equifax. They are the source of my breach and I suspect internal reasons are the cause of my damaging credit still reporting. 

Law enforcement has been notified, my lawyer as well as other agencies already corrected this old issue. 

This will be handled to the fullest extent of the law I've provided.
Consumer complaint received 2019-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NJ)

To Whom This May Concern, Hello my name is XXXX XXXX and I have a private student loan through XXXX XXXX which I am having trouble paying at this time. I am in the midst of a career change and just moved to New Jersey on XX/XX/2019. So, I am currently working as a XXXX  until I am able to get a career job as a XXXX. My income is very unstable at the moment. I am in a unique situation in that I don't speak to my co-signer, and she is not responsive to the company after numerous phone calls and emails. I was told by a loan resolution specialist that they would review only MY income to change the loan and give me a new payment that is more manageable for the time being. However, when I called back multiple times to share information, the representatives questioned my career choices, and continued to shame me into not being able to afford " only '' a {$110.00} payment a month. Furthermore, she told me that they would NOT be able to help me and would not move forward with my case until they received my cosigners income as well, whom they've been unsuccessful with already in the past. I am trying to work on my credit and maintain good standing with my debts, and I feel XXXX XXXX 's " customer service representatives '' were not interested in offering me any type of help with this unique " grey area '' situation I am in. Thank you in advance. 

XXXX XXXX
Consumer complaint received 2019-03-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (CA)

On XX/XX/XXXX, I responded to a telephone call message left by Ford Credit. Instantly, I realized that I had not been paying my monthly auto loan. I responded immediately by calling the number left by the message. I then explained to the representative that I had not been receiving the monthly billing statement, which I rely upon as a reminder to pay my bill. This was due to a XXXX   mailperson, who frequently puts my mail into other boxes in my neighborhood kiosk mailbox. She also frequently puts neighbor 's mail in my box. Complicating matters was the fact that I had been away on vacation for most of XXXX, my last payment being in XXXX. When I returned from vacation, I paid all bills in my held mail, but the Ford Credit statement wasn't in the stack of mail waiting for me. It was also not delivered in XXXX or XXXX. I received the call from Ford Credit on XX/XX/XXXX. The credit representative, upon explanation, waived the accumulated late fees and I immediately sent in a payment covering three months, with my next payment scheduled for XXXX, which I then begin paying regularly as before. I also went to the Post Office and spoke directly with the Post Master, to ensure that misdelivery would not happen again. I then was notified of activity on my credit score by XXXX and others, so upon looking, I found that my credit score had dropped from XXXX to as low as XXXX ( XXXX  ). I wrote an appeal to Ford Credit to amend their report, or file another to help address my falling FICO score, but their response was basically that they would not assist in my request. I have made regular ( never late ) payments to Ford Credit on new trucks since XXXX and never before or since missed a payment. I am merely asking for credit reporting assistance from the CFPB to bring back my credit score to something over 800, as I immediately remedied the problem and have not been remiss since.
Consumer complaint received 2024-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tsarouhis Law Group, LLC (PA)

I contacted Tsarouchis law group told them I was involve in a XXXX  XXXX during that time ask for proof of debt they sent information which was a internet loan that I did not take out I was under bankruptcy at the time tried to Gve case number to XXXX XXXX told me that they will sue me never Gve me the XXXX XXXX was very rude talk over me I donot want any more communication and I dont want to be sued or even worse be put on my credit report these peopl tactics are no good
Consumer complaint received 2019-03-10
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: AES/PHEAA (AZ)

I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.
Consumer complaint received 2019-03-11
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. (WA)

Account was disputed as reporting inaccurate information which has caused me to not be able to obtain credit. The CRA 's are only updating personal information and are not correcting the inaccurate reporting of the account. This account was paid in full and has been for over a year. XXXX XXXX falsely updated payment information, but failed to report the overall account status correctly. This has been ongoing and is now representing an intentional attempt at destroying my credit. By provisions of the Fair Credit Reporting Act, I am now demanding that this account be removed from my credit report since I have made several legitimate, yet failed attempts to work with the CRA 's and XXXX XXXX to correct. Please delete the accounts from my credit reports, as they are inaccurate and the company is refusing to properly report them.
Consumer complaint received 2024-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

Had a purchase declined on XX/XX/year> for ticket master around XXXX XXXX. Called CiTi ( Costco ) and was referred to fraud department. Spoke to XXXX the supervisor in XXXX XXXX office at XXXX XXXX. Gave them 3 telephone numbers for them to send verification texts or call and they were unable to get their system to work. They said there was nothing they could do. Left with a useless credit card. Said they could send paperwork in 10-15 business days. Unacceptable
Consumer complaint received 2019-03-13
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. (MA)

Hello, I have the Chase Sapphire Reserve Credit Card, mostly because of its travel benefits. I am traveling to XXXX with the card and in order to obtain my visa, I just need a simply letter that says " for the duration of the trip, this person is covered by the Travel Insurance provided by the card ''. 

In XX/XX/XXXX, I called Chase asking for this letter and they forwarded me to their Rewards department. The Rewards department was extremely rude and hostile and told me they could provide me no such thing. 

On XX/XX/2019 I submitted a note through the Chase contact options. I explained what had happened, the fact that I had to pay {$82.00} for a different health insurance policy in XXXX because they would not provide me the letter, in addition to the {$450.00} a year I pay on this card to have benefits like travel insurance. 

On XX/XX/XXXX, after back and forth, I received this email : We apologize for any inconvenience you may have experienced and we understand your concern. 

I'm an account supervisor with the Secure Message Center and will be happy to assist you with your Chase Sapphire Reserve. 

Please be assured we've documented your complaint about your attempts to secure a travel letter and the additional policy. I have forwarded it to the appropriate area of Chase for further review. 

Regrettably, we are not able to reimburse for the additional policy. We base this on the terms and conditions of the Ultimate Rewards program  agreement. 

Please be assured that I have forwarded your concerns to our Feedback Team. This team is in place to review our processes to improve the customer service experience. 
While no immediate changes may be made, we always welcome and appreciate feedback from our customers as it allows us the opportunity to improve. 

A multi-billion dollar company can not reimburse me {$82.00} for a flaw in their policy and guidelines. They then closed the chat so I could not follow-up or ask to work with anyone else, silencing the issue.
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bliksum, LLC (WI)

This account is included with a amortization of debt. Was court ordered to reaffirm our debt in XXXX of 2018. I have contacted a XXXX XXXX. And was told they would fixed my account payments are being made monthly per our payment plan.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NJ)

The calls are from card member service, they keep calling and I tell them to stop calling I do not need credit repair, and don't want them calling, they call my cell phone and home 2 to 3 times every day always different states and phone # I KEEP BLOCKING but have no more space left to block, have complain 2 or 3 times before this to you, the number they call from now XXXX, when you answer the phone they say Visa Master Card Alert, then they ask you to press 1 for assistance, I did that and ask who they were and they answer card department member service I tell them I'm going to report this and they hang up, I know you will not do anything about this but I am going to report every number that call me and make a Notation of every time I report this to you.XX/XX/2019
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX  account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.