davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (VA)

A DUPLICATE CHARGE APPEARED ON MY ACCOUNT FROM A HOTEL STAY. DESPITE A DOZEN CALLS TO RESOLVE THE ISSUE, AS WELL AS A CONFERENCE CALL BETWEEN MYSELF, AMERICAN EXPRESS SERVE CUSTOMER SERVICE, AND THE HOTEL - DURING WHICH CALL THE GENERAL MANAGER OF THE HOTEL SAID THE DUPLICATE CHARGE WAS RELEASED BY THEM ON XX/XX/2017 AND SO THE RELEASE OF THE DUPLICATE CHARGE SHOULD BE REFLECTING ON MY ACCOUNT - STILL THIS FDIC-INSURED PREPAID AMERICAN EXPRESS SERVE CARD TECHNICAL DEPARTMENT REFUSES TO RELEASE THE DUPLICATE CHARGE. THEY ALSO SEIZED {$100.00} FROM MY RESERVE ACCOUNT TO COVER THE NEGATIVE BALANCE CREATED BY THIS DUPLICATE CHARGE WHICH WAS RELEASED ALREADY BY THE MERCHANT ( THE HOTEL ), BUT AMEX SERVE LABELED/EXPLAINED THEIR FORCED TRANSFER FROM MY RESERVE ACCOUNT AS HAVING BEEN DONE TO COVER THE CARD 'S MONTHLY FEE. BUT THE CARD 'S MONTHLY FEE IS ONLY A DOLLAR, AND THAT MONTHLY FEE IS WAIVED FOR DIRECT DEPOSIT CUSTOMERS, OF WHICH I AM ONE. SO NOW THEY ARE FALSIFYING TRANSACTION LISTS/STATEMENTS. IT SEEMS LIKE THIS SUBSIDIARY OF AMERICAN EXPRESS HAS GONE ROGUE, AND IS UNDER LIMITED TO NO SUPERVISION BY THE PARENT ORGANIZATION. ALL THE CUSTOMER SERVICE CALLS HAVE BEEN TRANSFERRED TO THE PHILIPPINES AND DESPITE THE FACT THAT THEY SPEAK ENGLISH AS A SECOND LANGUAGE, THERE STILL SEEMS TO BE A LANGUAGE BARRIER EACH TIME I TRY TO EXPLAIN THAT THIS IS A DUPLICATE CHARGE, NEVERTHELESS, WHEN THE MERCHANT THEMSELVES GET ON THE PHONE AND SAY THAT THE CHARGE HAS BEEN RELEASED, IT DEFIES LOGIC AS TO WHY IT REMAINS ON MY ACCOUNT, EFFECTIVELY BLOCKING ME FROM USING MY ACCOUNT THROUGH NO FAULT OF MY OWN. I HAVE READ SEVERAL ONLINE COMPLAINTS OF USERS OF THIS CARD HAVING THEIR MONEY AND DIRECT DEPOSITS STOLEN BY THIS PREPAID CARD COMPANY, AND I AM AFRAID THAT MAY HAPPEN NEXT.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We recently we received our discharge of bankruptcy in XXXX 2016. Shortly after receiving the discharge, we received notification from Bank of America that they will be increasing our mortgage payment from {$1700.00} to {$3200.00}. We contacted BOA to either refinance or obtain a loan modification. We were told since we just completed a bankruptcy they could not offer us an option to refinance our home for another 2 years, so we opted for the loan modification. After completing their process, they submitted to us their version of a loan modification. They sent us a congratulations letter stating we were approved for a monthly amount of {$3200.00}. We asked for them to re-evaluate their figures. We can understand they need to accommodate their investors by receiving both principle and interest. Since we know this is an investor situation because BOA does n't even hold the Deed of Trust on our property and neither does their subsidiaries. At some point they purchased our loan, because it was a predatory loan.
Consumer complaint received 2019-08-29
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. (FL)

Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through XXXX Department of Education. I reported it to all 3 credit bureaus, FTC.gov and XXXX and sent in the requested documentation to XXXX. Equifax informed me today that they are not resolving my disputes and it will not be removed from my credit report, as XXXX states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.
Consumer complaint received 2019-08-26
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. (PA)

I applied for a mortgage in XXXX, XXXX. My credit report came back showing that I owed XXXX {$150.00} for a landline I had disconnected in XX/XX/XXXX. I knew that this was incorrect information and filed a dispute which was investigated. As a result of the investigation, in information was deemed to be correct, the account was marked as derogatory and caused my credit score to drop about 30 points. This morning I contacted XXXX to attempt to straighten it out. After multiple phone calls, I spoke to someone in the Recovery department. She indicated to me that I have a XXXX balance with XXXX that was paid in XX/XX/XXXX. I told her I wanted my credit report corrected, to show that I had a XXXX balance and that it was not recent activity. She refused. This may interfere with my quest to obtain a mortgage and I want it corrected as soon as possible. I am very angry that I have FALSE information on my credit report and XXXX won't correct it. This to me constitutes fraud.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient forces you to pay the interest owed first before applying any amount to the principle even if I make multiple payments a month or over pay. I make payments and my balance only changes by a cents, nothing significant. When ever I reach out to them to correct how my payment was applied it takes 7-10 days. When I ask them specific questions about my loan the answers are always generic and computer like. I am frustrated and tired of how my loan is being mishandled.
Consumer complaint received 2016-09-09
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2016 Plaintiff accepted {$47000.00} in XXXX funds to fully cure Homeowner 's reverse mortgage arrears for unpaid taxes and homeowner 's insurance. Prior to this payment, XXXX 's home was sold at a foreclosure sale on XXXX XXXX, 2016. The purchaser of the property was the mortgage lender, XXXX. After the sale lender and the State of Florida entered into an agreement whereby the lender agreed that in exchange for full payment of XXXX funds to cure homeowner 's arrears, including all fees and costs, lender would vacate the final judgment, reinstate the loan and rescind the foreclosure sale, restoring title to Defendant. Notwithstanding, lender now seeks possession of the subject property and is intent of dispossessing homeowner of her home
Consumer complaint received 2016-12-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is fraudulently having attorneys XXXX pursue a foreclosure sale on my home when Chase has no interest in my home I have letters stating this but they are still trying to sell my house. The bank and law firm are STEALING MY HOME how does the justice system allow this to happen. They presented fraudulent documents and affirmed documents that were fraud. I have sent letters to the Attorney showing Chase no longer has an interest in the property Chase states they are NOT PROCEEDING WITH THE FORECLOSURE yet the law firm says they are on behalf of Chase. XXXX who was the servicer after Chase also sent me letters and stated that they are NOT PROCEEDING WITH THE FORECLOSURE.Yet this law firm claims to be doing it for Chase and they wont stop until instructed to by Chase who retained them
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX is on my account twice, which the account is fraudulent and belongs to XXXX XXXX. I noticed these accounts on my credit report in which they have been since XXXX. I did not know or have never paid on this fraudulent account therefore this account has been on my credit report almost 10 years which I am sure against FCRA. I am attaching the signature provided by XXXX to CFPB ; and on their application and providing my mortgage signature page. It is plain to see the signature on XXXX 's application and my signature are completely different. Also, XXXX has submitted a letter of acknowledgment in regards to fraudulently signing my signature in which I attached. Again, It shows my signature and addresses which conflicts with the information on Navient application. Also it against the law for them to report the same account twice. I am asking for this to be removed immediately. Also, if the company reviews my documents it is obvious that I was living at different addresses than the XXXX on their application, look at the date on my mortgage page, Worlds Saving and my property tax document which dates my current address beginning in XXXX until current, therefore I knew nothing of this loan.
Consumer complaint received 2019-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (UT)

Navient keep charging me late fee 's in the amount of & XXXX for a loan that is in " In School Deferment '' Ive called the Navient customer service line several times and every rep tells me they do not know why Im getting charged late fee 's and will transfer the report to their back office. Its been several months from my initial call and nothing has changed. In the meantime nothing is happening and I keep getting charged late fee 's
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (GA)

This letter is in response to numerous phone calls with Amazon Store Card and the Synchrony SCRA department concerning the end of my XXXX protection underneath the SCRA guidelines. The most recent was Friday XX/XX/XXXX, with their SCRA department. 

After I advised their office XX/XX/XXXX that I was retiring and was allowed 180 days of further protection I was informed that my interest rates would increase in regards to all XXXX accounts you currently hold for me but I could request a decrease and revaluation of my credit to possibly get a lower rate ; I was also told by Amazon Store card and the SCRA department via numerous calls that the interest rate would ONLY increase for NEW purchases not my existing balance. I have since discovered that my and Amazon cards have started charging me the higher rates on my prior balance which conflicts with what I was told. When I spoke with SCRA on Friday they yet again informed me of requesting a review of my credit reports to possibly get a lower interest rate. 
The company has been amazing with help since GE Money bank to current Synchrony excluding these XXXX MAJOR issues. I expect and was told that prior balances would be exempt from the higher rates unless I made new purchases which I have not. Please correct this issue ASAP and refund me the erroneous and inflated rates. I have always been on time and generally pay in excess of my due amount. An average increase of XXXX % increase is insane and unjust.
Consumer complaint received 2016-11-06
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (NJ)

My debt is with XXXX, before canceling my policy because i bought a new car i called geico and informed them if i transfer over my current plant to the new vehicle till the contract termination ( one month after ) will i be charged more than my normal rate, representative clearly stated you will not unless you continue to be with us for a new policy for my new car, sweet ... but now collections is harrassing me for roughly {$630.00} which would have been my new payment if i styed with geico. I do not understand this one bit it is not right to ruin peoples lives like this for their own mistake i would have cancelled before buying my new car if they had told me i will be charged a new premium for the one month i had left oh and that month was pid for 4 days before my new purchase.
Consumer complaint received 2016-09-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I borrowed {$2600.00}, became ill, not working. Lending company got judgment against me for {$5000.00}. Garnished my wages for {$150.00} per month for the last XXXX months. My payroll company stop the garnishment after {$4000.00} was paid ; now they are coming back to garnishing my wages again for another {$2100.00}.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.
Consumer complaint received 2016-05-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

We are trying to get a short sale initiated with Wells Fargo - This is an FHA loan. Wells Fargo is insisting that there is a title issues - but I have provided proof that there is no title issue and the judgment on file is actually Wells Fargo 's Mortgage. I would like Wells Fargo to get this short sale opened so we can help the sellers
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened my Capital one card after being sent a letter telling me that I was preapproved based on my credit score. The card is supposed to help build your credit and I was told that after making on time payments for XXXX consecutive months, my credit line would be raised $ XXXX {$300.00}. After the 5 months, I received a letter stating that because I had demonstrated such responsible use of the card, they were raising my limit {$500.00}. I continued to use the card and make all my payments on time. On XXXX/XXXX/16 I log onto make a payment and see that my account is being restricted. I call customer service and was transferred to " the executive office '' where a rather rude and XXXX tells me that my account has been closed and I was mailed a letter. I asked her why and she said this was due to pending or past legal action against me. I asked her for the date of the alleged legal action and she tells me she does not know, but that I can call my XXXX office or the state. I requested to speak with a supervisor after she transferred me back to the main customer service line and was told that the department was closed and I could not leave information for a callback. For the next several days I contacted my XXXX and also the XXXX Court ( State and Federal ) in my state to inquire about the legal action Capital one is saying was the reason for my account being closed, no one has any record of legal action against me. I even paid for a background check on myself and again nothing! I requested to not be charged a late fee due to the lack of information and being told I would need to address the issue with outside agencies. This morning I receive an email from them saying that I am now being assessed late fees and penalties from them as well.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Chase Freedom card was advertised to give {$150.00} cash back after 3 months of a total of {$500.00} spent. I clicked on the promotion that was online and that page took me to a application form which I filled out for the card XX/XX/2019. Discussion of this promotion is still active on the web by 3rd party credit card reviewers, so I know it's legitimate. 

I called Chase customer service today XX/XX/2019 to ask when I should be receiving my {$150.00} sign up bonus since it's been 4 months and I met all their requirements listed on the web site. I was told by a customer service rep. they had eliminated the sign up bonus sometime in XX/XX/XXXX/XX/XX/2019 and that my card didn't qualify since I had missed the cut off. I was not informed of an offer expiration date or cut off during my account application nor the promotional web site. 

My complaint is their misleading and fraudulent use of " old '' promotional web pages to rake applicants in, just to claim later that the promotion had been eliminated a month before. Since I can not access the original web site anymore ( unless I knew it was already going to be fraudulent ) I do not have any hard proof or screen shot. 

This is the classic bait and switch advertising that is skillfully used to reign in unaware customers, since the company can blame " the internet '' or " cookies '' or " the browser '' of not being up to date. 

I would not give Chase any credit card business and have discontinued doing business with them.
Consumer complaint received 2021-05-13
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. (WA)

Citibank did not resolve the dispute for {$3400.00} on Citi XXXX credit card but instead issued a permanent credit in my account for {$250.00} as a courtesy. 

XX/XX/XXXX - I opened a dispute on a Citibank credit card about purchase {$3400.00} from XXXX on XX/XX/XXXX with reason " Goods / services never received '' for the air tickets with canceled flights which were not refunded. 
XX/XX/XXXX - Citi closed the dispute and requested an additional documentation about disputed purchase if we still wished to dispute the purchase. 
XX/XX/XXXX - I sent email to Citi asking to continue the dispute and included requested documentation about the transaction, 02-01-emailToCiti.pdf attached. 
XX/XX/XXXX Citi sent me a letter that they " did not receive documentation that the merchant is unable or unwilling to provide the service ''. 
XX/XX/XXXX I called to Citi explaining that I had provided documentation earlier and the Citi agent confirmed that they had missed my email. Also, I sent an additional email to Citi about the fact that XXXX received refund from airlines for the canceled air tickets but no refund was provided to me, XXXX attached. 
XX/XX/XXXX Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX I called Citi ; Citi confirmed that they found the documentation which I sent them on XX/XX/XXXX and on XX/XX/XXXX and reopened the dispute. 
XX/XX/XXXX - Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX Citi closed the dispute and added {$250.00} issued a permanent credit in my account instead of resolving the dispute, 05-05-fromCiti.pdf and XXXX attached.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (NC)

Back in XXXX XXXX American Express sued me in court wrongfully.. so now I have a judgement against me.. I have been keeping in contact with them even before the court date which took place in XXXX XXXX.every time I contacted them they would tell me to call other numbers.. then when I call they would tell me that my account is on hold because of me filing a dispute against the account.. so they said that they couldnt give me any information.. before I knew it.. I had a court summons.. I contacted them back asking why but they wouldnt say, they would just keep saying the account is on hold.. so Im asking how can you take me to court then if the account is closed because of my disputes..you all didnt even want to wait to see what the outcome will be.. and right now Im still in the process of disputing.. the account is charged off and they are still reporting a balance which is leaving a negative remark.. so if its anything I can do can you all please advise me..