davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — Store credit 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)

Dear Sir/Ma'am My name is XXXX XXXX , I am writing to report wrong balance statements on my HomeDepot Consumer Credit Card which I have tried in vain to resolve the issue with Home depot Credit Card company . As you would like to know, after getting the wrong balance statement, I call the Homedepot Credit card company trying to resolve this issue but they keep running around with no one solving it. First, I talked to  XXXX of their representatives that resides in the XXXX and the lady ended up telling me that I should not have paid more than the actual minimum payments that are in the amount of {$47.00} per month-I am paying $ XXXX monthly in order to pay it off early. Before XX/XX/XXXX, the balance on my Homedepot credit card was {$1300.00} and on XXXX XX/XX/XXXX I walked into Home Depot store here in XXXX, WA and paid {$120.00} for this Credit card and on XX/XX/XXXX, I got a statement showing that my current balance is : {$1300.00} The second lady I talked to could not allow me to explain myself and ended up hanging the phone on me. Sir, Ma'am, I am writing to see if you could help me solve these problems. I attached all the statements balances. Thank you for your time. I look forward to hearing from you. 

Sincerely, XXXX XXXX Phone : XXXX E-mail : XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (NJ)

PayPal is the exclusive credit card agent for XXXX. All of a sudden, PayPal has blocked all my credit cards and not allowing purchase. I do not have a PayPal account and am using valid credit cards with a limit well above the the amount trying to purchase. I called paypal and they told me there was a block on my account even though I dont have one. They are acting like any other credit card clearing house and are illegally collecting personal data and blocking my purchases without cause nor are they giving me a reason. I was told to write to a email address, I did witho

ut reply. Talked to the state of NJ banking commission and they
state that their actions are in violation of their banking agreement.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2019-12-21
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: DISCOVER BANK (CA)

On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX Shopping. 

I checked out using XXXX. It turns out that this website is no longer live. In fact, the XXXX   payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am saddened that both Discover and XXXX  have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on XXXX  and Discover for being foolish enough to allow consumers to be defrauded by a XXXX scammer.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (MO)

THE WEEK BEFORE XXXX, prior to any notification at all, my credit limit was decreased by almost 60 %. I had my card not honored at multiple vendors despite my having made a recent large payment toward my outstanding credit. I relied on their representation of my credit limit when deciding to use money to pay down the Chase card rather than use it elsewhere since I have upcoming job relocation expenses. When I contacted CHASE BANK, multiple times over 3 days, I was told that I would receive notification via the mail almost 2 weeks after the credit decrease became effective. Despite having signed up for electronic notifications, I didn't even receive a notification online either. 

I know the credit card companies can usually do what they want, despite the fact that I would have saved back money to pay for an upcoming job relocation rather than the credit card balance if I knew they would reduce my available credit so significantly. But there HAS to be some notification required to the user before such a MAJOR change is made to the account. I now don't have the cash to cover my move for a new job because Chase took my payment and reduced my available credit by over {$14000.00} without ANY prior notice. 

It is also worth noting I have never made a late payment.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC. ()

I contacted XXXX about fraudulent charges that were made on my account and the customer service representative told me that they wouldnt be able to issue anew card or remove my fraudulent charges since the account was closed due to non-payment. I was unaware of this these charging that were made.. To my knowledge I didnt owe a payment because the account wasnt being used.
Consumer complaint received 2019-12-20
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. (GA)

EQUIFAX IS REPORTING FALSE INFORMATION ON MY REPORT, I HAVE DONE ALL I CAN TO GET INFORMATION REMOVED. 
ACCT INFO. 
XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

On XX/XX/XXXX I purchased a VanillaVisa Gift Card from XXXX in XXXX with a face value of {$100.00}. I gave the card box to my mother on XX/XX/XXXX and we inputted the card number ( XXXX XXXX XXXX ) on VanillaGift.com and it came up " invalid. '' We called XXXX ( number on back of the card ) and reported the problem and were given claim # XXXX. The representative from the call center told us she would send us a dispute form and alleged that the funds on the card were dissipated and there was a balance of XXXX on the card. We could not understand how that could happen since the card was in its paper box until minutes before we tried to check the balance and it was alleged to be Invalid. Therefore we went back to XXXX where the card was purchased and was given Claim No. XXXX. We requested a refund since the card was invalid on purchase. On XX/XX/XXXX XXXX stated it could not provide assistance with the Visa Vanilla gift card it sold to me and directed that we contact Vanilla Visa. I completed the dispute form, attached copy of receipt, gift box and card and emailed it to XXXX on XX/XX/XXXX. Since then, I have not been contacted by anyone from Incomm and have had difficulty getting through to an agent at Incomm or anyone from Vanilla Visa to discuss the dispute. In fact, on XX/XX/XXXX, my calls to Incomm ( XXXX ) were dropped five separate time after going through the phone menu, just after I was told I am being connected to customer service. I finally got through to a representative on XX/XX/XXXX and was told my case was closed. When I pressed the agent for a supervisor to speak to, she said that there was no one from " our back end office '' and that Incomm is a call center that is in the XXXX with thousands of representatives. The representative put me on hold for several minutes and came back and said my dispute is still being " investigated '' and that I have to wait 45-90 days before an investigation is concluded. She explained that there are " thousands '' of claims like mine and that I had to be patient. I asked who was performing the investigation and she said their Incomm office in Georgia. She could not provide me with a phone number of anyone I could contact in the Incomm Georgia office or from Vanilla Visa to discuss my dispute. The VanillaGift card states on the reverse side that for customer service, refunds, go to Vanillagift.come but when you go to that web site there is nothing that allows you to submit request for reimbursement. If you have a dispute, the only recourse that is provided is to contact the Incomm call center in the XXXX and get the run around. 
It appears that the VanillaVisa is selling unauthorized Vanilla Visa cards and making the dispute process so onerous that most people just give up or don't bother to pursue their reimbursement and if they do, Vanilla Visa profits from the funds during the long period of dispute. This sounds like a real fraudulent scheme that should be pursued.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

My name is XXXX  XXXX  and I live at XXXX  XXXX  XXXX, XXXX, MD, XXXX.  My Chase mortgage account number is XXXX.  Today I received notice of a “new” escrow analysis regarding property tax and/or insurance changes displayed on my online Chase account stating the following,“Beginning XX/XX/XXXX, your payment will change due to escrow adjustments as shown in the table below”.  The noted payment change is an increase of $XXXX”This complaint then is to notify CFPB and Chase that I find Chase payment charge of $XXXX  not only unacceptable, but also in error.  Furthermore on my online Chase account my current property tax as $XXXX, yet for XX/XX/XXXX Chase shows an increase to $XXXX, which makes “no sense at all”.My SDAT Assessment as of XX/XX/XXXX was $XXXX.  My SDAT Assessment as of XX/XX/XXXX is also $XXXX.  So zero change - zero increase.  Furthermore Chase has been notified that over the last two years my Escrow account has had “two” major deductions.  One in XXXX  was a major drop in property tax assessment and second was a major drop in home owner insurance in XXXX.  Combined my Chase mortgage account should have seen more of a reduction in monthly/annual mortgage cost, versus now showing a $XXXX   increase.Please review this matter immediately since my property taxes and insurance costs have not increased from last “fiscal year”, but actually “dropped”.
Consumer complaint received 2019-12-20
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 disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX
Consumer complaint received 2019-12-20
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. (CA)

On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just  to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as XXXX, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX   ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!
Consumer complaint received 2018-02-23
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: DISCOVER BANK (NY)

In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

i open my credit report using XXXX XXXX, and i seen a hard inquire for SYNCB on XX/XX/2019 i was still in the process of my chXXXX bankruptcy and i was not applying for any credit during the month of XX/XX/XXXX. XXXX XXXX told me to contact SYNCB, But that did not help, i could not get threw. please help i dont want to start my new credit off with back marks.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX   and Equifax on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector XXXX XXXX XXXX XXXX  and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
Consumer complaint received 2020-02-11
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. (WI)

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, I mailed via USPS check # XXXX for {$42.00} to XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX, I noted the check was not credited to my account and emailed XXXX at Customer Service, XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX XXXX through XX/XX/XXXX, I worked via email, phone or in person with XXXX, XXXX and XXXX at the Customer Service Department/Financial Services and was informed the check was never received by XXXX XXXX XXXX XXXX . I emailed them a copy of the cashed check with front and back of the check included showing the check was deposited on XX/XX/XXXX by Wells Fargo Bank and my bank, XXXX XXXX XXXX removed the amount from the joint account in my name and my husband 's name on XX/XX/XXXX. I was told the endorsement on the back of the check was not a XXXX XXXX XXXX XXXX account and that the XXXX XXXX did not have the check. On XX/XX/XXXX, I met with Assistant Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX and opened a new account since the check was cashed fraudulently and was informed to talk to Wells Fargo Bank. I attempted to talk to the Assistant Manager and Manager of Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and told they couldn't talk to me since I did not have accounts with them and that my bank   needed to complete a fraud form. I then returned to XXXX XXXX XXXX and completed the Affadavit of Fraud Form. Over the month of XXXX, I was told I needed to complete a new form stating the issue was missing improper endorsement. I was told on XX/XX/XXXX XXXX XXXX XXXX did all they could to correct the situation, but had no success and that I should try with Wells Fargo again. I spoke with XXXX at Wells Fargo customer service phone line and was again told they couldn't talk to me since I didn't have an account with them and that XXXX XXXX XXXX XXXX would need to correct the situation with their source ; they could not explain further what that meant. I am looking to have my account credited for the {$42.00} that was fraudulently removed. I did pay the XXXX XXXX bill with a new check.
Consumer complaint received 2020-10-21
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. (NC)

I have asked XXXX, XXXX, and Equifax to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. XXXX and Equifax said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, XXXX and Equifax will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/2018 I wrote a letter to Nissan explaining that my payments are late because I am trying to get back on tracker after a loss in the family. My payments have been late but not more then 30 days. They have wrote me back but did not respond to my urgent need of my financial hardship.