davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CT)

I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX off the XXXX XXXX XXXX # XXXX this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX. When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX  at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX in XXXX CT. Tel # XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX CT. This attorney seemed to pass on from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the Connecticut XXXX Association. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX # XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my # XXXX XXXX that was XXXX   XXXX. As soon as the XXXX wore off the XXXX was hurting, and it was XXXX. I used care credit to fix the XXXX and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney XXXX XXXX XXXX XXXX that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX. 

Sincerely Yours XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NJ)

Urgent Request Please Rush for a Credit Reporting Correction for Loan # XXXX Good Afternoon my name is XXXX XXXX   from XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Last four of my SS # XXXX  DOB XX/XX/XXXX I have been trying to get a refinance done since the month on XX/XX/XXXX on the above property which is my primary residence. In the month of XX/XX/XXXX, there was a miss payment made on the account on XX/XX/XXXX and then taken out of my account as a miss payment reversal on the XX/XX/XXXX. I went into my account to make my payment and not know because of the miss payment. I thought I was making the payment for XX/XX/XXXXbut in fact it was for XX/XX/XXXX. I was never notified of a reversed payment on my account and I continued making my payment as normal thing it was on time. On in the month of XX/XX/XXXX I get a mortgage verification stating that I have been 30 days late for the last 3-months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not to mention in the month of XX/XX/XXXX my Loan officer told me not to worry about the payments because they would be included in my payoff. Failing to tell me that if I do not close I still have to make the payments. ( Email from loan officer is attached too. I have owned this house since XX/XX/XXXX, I have not ever paid my mortgage 30 days late, I selected to do my refinance with Freedom Mortgage since you are my lender and I thought it would be faster and easier rather then going with another lender that dose not have my information. I need to finish the refinance so that I can continue the funeral arrangements for my deceased veteran mom. I have been through so much misleading information and delays with Freedom and the Loan officer that has no idea what he is doing. Every week was something new and I had to jump through hurtles to get this done and still all this time and money on appraisal wasted and nothing to show for it. Attached is the report. I really need your help with removing these 30 day lates off of my credit so I can just move on, at this point I can not even finish this refinance with no one. This is not fair that I must pay for someone mistakes please I beg you, I just want to finish this process and move on. Today I called in XXXX to XXXX and spoke to the Rep XXXX ID # XXXX  he was nice and told me about the miss applied reverse payment for 1 and half hours. I told me I need some type of resolution and that I would have to fax or email my request in writing to the credit department for a review. Till this day I have never even received a courtesy call from my old loan officers manager or anything. Loan Officer : XXXX XXXX Loan Advisor NMLS # XXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone : XXXX   ext. XXXX Fax : XXXX Direct : XXXX Email XXXX Please I need a resolution to this, so my credit is not suffering I am not sure what to do. Thank you, XXXX XXXX
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, The reason for me filing this complaint is due to TransUnion credit reporting agency failing to initiate complaint after receiving my request XX/XX/2018, certified mail. On XX/XX/2018, I contacted TransUnion to get status update on the investigation on the following accounts listed below I was told they have no record of ever receiving an credit dispute on file. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6 . XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX XXXX XXXX  11. XXXX XXXX XXXX   12. XXXX XXXX
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

I had 2 credit cards from American Express : The first one was the blue, then American Express sent me the gold credit card. I paid off the blue to have just use the gold credit card. I don't use the gold since XXXX. That year, I had problems to pay the credit cards because I was without a job. I informed American Express and they continued sent me the invoices. The last time I called the customer service representative told me all the time : " you have to pay this amount or your credit will be affected ''. I asked for payment options and American Express never gave me an alternative. 

In XX/XX/XXXX, I received by mail a letter from American Express. This letter informed that they make a mistake with me because I was eligible for collection programs or settlement offer and they NEVER offered me that. With the letter, American Express includes a check for the quantity of " {$50.00} in recognition of any inconvenience that may have caused ''. 

I was so, sad and mad, because during XXXX - today period I have trouble to help my husband to buy a house, car and make some financial errands but always my credit was affected by the mistake American Express made. 

And then, I start to ask myself : Why they are sending me money? They KNOW that they make a HUGE mistake and AFFECT my financial life and now they want me happy sending {$50.00} for THAT? 

Last Tuesday, XX/XX/XXXX, I get my annual credit report and the report has 2 American Express accounts CANCELLED/NEVER LATE, both with different numbers, different amounts and different status updated. 

The account with the starting number XXXX is the blue and the report has a debt of {$1200.00} which I paid before start to use the gold credit card with the starting number XXXX. 

Immediately, I decided to call American Express offices and to my surprise, they told me that my gold credit card account was sent to a collector private company and the account was canceled in XXXX. I told them that I never received an email or a letter via mail from American Express or Collectors informing that. 

I informed that I was using the card until XXXX, I was paying the bills before that date, where the money went?. Also, they told me that my blue credit card account did not appear in the system. American Express told me that the ending account number I have in the letter XXXX is not the same account ending number they had in the system. I asked what are the credit card numbers they have in the system and American Express refused to tell me. I explained about the letter with the check and about how American Express mistake affect my financial life and American Express said : " We are sorry about the inconveniences '' and " please accept the check as a symbol of our apologies and damages we caused ''. 

Honestly, I feel that an insult for me as a consumer. 

I will appreciate all the help you can give me and my family.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

I have been trying in every way to make payments that Chase mortgage escalations supervisors requested I make by XX/XX/XXXX. 

I was in Chase mortgage lathrup village bank on XX/XX/XXXX submitting three payments but they refused to take as in complaint # XXXX I was assigned to XXXX XXXX in executive offices. on XXXX. I made three calls to her to no avail. Than called and complained that she was not available and was not returning calls by XXXX : XXXX that day as her voicemail cites her hours ended at XXXX XXXX. which compelled a return call. 
While working with her she made snide and caustic remarks such as, " Im sure YOU don't have the money do you ''. Nonetheless Owner pleaded to get the three payments in by XX/XX/XXXX as instructed by Chase. She declined. And said also, " I'ca n't imagine how much stress this must be for you ''. " But I can't tell you when this will be resolved. '' XXXX XXXX also spent time explaining why she was raising her voice when owner asked her why she was being so combative. 
She promised to call on Friday XX/XX/XXXX and did not. 
Owner felt forced to request new representative for aforementioned reasons. 

However On XX/XX/XXXX.when owner finally spoke to XXXX XXXX at XXXX because Manager XXXX never returned call to date. Owner requested to change representatives without slowing down the priocess. 
On XX/XX/XXXX XXXX XXXX called citing she was new representative and she would be starting fresh and had to pull same call recordings XXXX XXXX cited he would pull on XX/XX/XXXX. But more importantly she had been provided with wrong dates from XXXX XXXX. 
She was given correct dates. 
XXXX . XXXX -XXXX did not deny that XXXX XXXX documented a STOP foreclosure on XX/XX/XXXX as did XXXX XXXX XXXX and XXXX at executive offices confirmed and concurred on XX/XX/XXXX. XXXX XXXX also cited she was aware of consumers complaint & call from XXXX XXXX XXXX office. Further at exactly XXXX. XXXX XXXX stated, " This foreclosure should have never happened ". Owner asked the call to be escalated back to XXXX XXXX XXXX but she is out of office and told no other managers were available after brief holding time. Owner requested to be put in XXXX XXXX voicemail and that transfer disconnect call. 

This is outrageous Chase has had since XX/XX/XXXX to pull recording and further more it doesn't matter as Owner tried to submit more than the one payment initially requested by XX/XX/XXXX and make the maximum amount required by Chase on XX/XX/XXXX for four hours in their XXXX XXXX Mi office to no avail. 
This executive office has made no advance and is still passing on erroneous information not returning calls or has made no LEGITIMATE attempt to resolve this critical issue. This all appears a protracted way to obviously foreclose and or charge owner additional money to make it unacheivable. 
Please help!
Consumer complaint received 2018-01-26
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

Good afternoon, I am making a dispute against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX And FIFTH THIRD bank for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors on my credit report.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I have a student loan with Navient. When I tried settleting the credit by calling their number directly shown on the website, it send me to a recover credit agency which tried to settle the account with me. I negotiated a payment plan which they advised that would bring my account current and stop the reporting on my credit. Yet, it has been 1 year, Navient still reporting my account past due and deliquent - I contacted them they advised that the account is shown settled but there is nothing they can do about the credit
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.
Consumer complaint received 2018-01-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, I am making a dispute against XXXX XXXX, Bank of America Credit Card and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Consumer complaint received 2018-01-26
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: SYNCHRONY FINANCIAL (FL)

Good afternoon, I am making a dispute against XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX  to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Due to a change in employment and a move, I had to short sell my house. XXXX XXXX XXXX was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high 850s. 

I contacted XXXX XXXX XXXX and was told that because my account was closed, they couldn't fix any errors on my credit report.
Consumer complaint received 2018-01-26
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. (CO)

I have been trying to get support from Citi bank for 7 months now on a charge for services not rendered I scheduled a move and paid {$750.00} deposit to insure a quote for the move in XX/XX/2015  # days before the move I got a call saying the price changed to quote of {$1900.00} to {$3600.00}.. The owner said he would move my things for the original price but would not move all of my things. He reduced the items about 1/2. 

Of coarse I canceled the move as I needed all of my things moved. 

I can not get a refund from the company and my credit card company take the charge on and off periodically for the past 7 months without paying attention to my situation, I have spoke to customer service serval times over the last 7 months and have got nowhere.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NV)

From : XX/XX/XXXX - Current date I have a debit card from Venmo that declined mid transaction while paying for my meds at a XXXX XXXX. That alone is already XXXX  ) Embarrassing in itself and XXXX ) inconvenient to everyone around so I apologized and went back to the line while I figured out the decline. Couldnt log in to account to check what was wrong. Called Venmo customer service and they said my account was closed for violating their terms or policies I said okay whatever because I refuse to waste time nowadays with these companies arguing on why or what happened because they know they have monopoly and I already know they wont tell me the reason that caused violation or broke policy. What I did want were my funds to either be released to the bank I had attached on file or my card reactivated and unblocked so I could withdraw my funds that I had on there. Instead of getting this over and done with I have been forced to wait XXXX days for an XXXX XXXXXXXX a which sounds like a joke job position by the way because how many XXXX XXXXXXXX does it take to help you with your account you ask? Apparently XXXX because I have been passed by XXXX different account specialist who have all asked me for my ID to be sent, photos of my with my ID, proof of address, etc. The Email thread is so long it looks like I am in a group company email or group chat with all the names in the header. At one point one of the specialist addressed me under a different name or different user and said my balance was below XXXX cents and could not do anything to help me. That alone was a concern because that is not my name first of all so that is not me and you must have me confused with another Venmo user? So that alone is already is a breach of personal information and a violation of privacy. I am not going to suffer and have my funds be held XXXX for apparently XXXX days because of suspicious activity or violating services when the company themselves seem to be mishandling customer personal information by getting them mixed between customers as well. And they also keep expecting me to provide verification of my self by uploading photo of me holding ID, proof of address ( which i did every single time ) only for them to keep repeating what I already was told in that my account was closed and it was violating policy. Verbatim. Ive very reasonable and would understand if the money being held was either pending or under review from a dispute but i have been cleared from any dispute or pending anythings. It is money I worked all day for and during XXXX degree weather and it isnt much but its enough to pay for medication that is not covered by my insurance and medication that I should have already taken and paid for XXXX weeks ago. But glad Venmo would rather see a customer theyve had since XXXX go into a manic depressive episode from the lack of meds than release my funds.