davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/2024, my Bank of America credit card was closed. I had earned {$520.00} in rewards points and was informed that I had 90 days to redeem them. I attempted to transfer the points to XXXX but encountered technical issues. XXXX stated that the transfer would be available within XXXX hours, but the points never became accessible. I contacted both Bank of America and XXXX, but Bank of America refused to extend the grace period past XX/XX/2024, and the points were revoked.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Incorrect Reporting of Late Payments on Closed Account Dear CFPB, I am writing to file a formal dispute regarding inaccurate reporting by [ Credit Card Company Name ] to the credit reporting agencies. Specifically, they have reported late payments on an account that was closed on [ Date of Account Closure ]. The details of the account are as follows : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Credit Card Company : Lowes Credit Services Date of Account Closure : XX/XX/year> Upon review of my credit report, I discovered that the credit card company has continued to report late payments after the account was closed. This is a clear error, as no further activity has occurred on the account since its closure, and no payments were due following that date. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and that the late payments be removed from my credit report as they are not valid. 
For your reference, I have enclosed the following documents : XXXX. A copy of my credit report showing the late payments being reported. 
XXXX. Documentation from XXXX Credit Card Company ] confirming the date of account closure. 
XXXX. My correspondence with the credit card company regarding this issue. 
I respectfully ask for your assistance in rectifying this issue and ensuring that my credit report accurately reflects my financial history. I look forward to your prompt investigation and resolution of this matter. 
Thank you for your time and attention. Please feel free to contact me if you need any additional information. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

have closed credit card with  Capital On e reporting as charged off on credit reports, was sent a letter last year stating that they were reporting it incorrectly and   XXXX   XXXX    deleted the account from their report but the other  XXXX  agencies did not. Now  Capital One  says they are reporting it correctly, I am currently paying them through a debt settlement company, they will be paid the settled amount  XXXX    XXXX  . This account was never sold its been with  Capital One  the entire time. Its not considered a chargeoff if you came to a settlement and are getting paid on a monthly basis.
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

Previous complaint filed against  XXXX   XXXX  relative a defective mattress delivered  XXXX    XXXX   with no communication or follow up from the store to resolve the issue.     The conclusion of the previous CFPB complaint states : Please note Comenity Capital Bank and  XXXX  are  two s eparate entities. The Bank issues and is responsible for addressing questions related to the credit card account.  XXXX  is responsible for handling matters related to sales, merchandise processing, returns and shipping.  XXXX  informed us they will attempt to schedule a service technician to inspect the merchandise and come to a resolution.     Since this response and closure of the complaint,  XXXX  still has not made any attempt to resolve the issue. A refund should be granted.      XXXX  also lied and stated no communication was ever received but clearly there were  XXXX  separate emails sent to the same email address on different days per their request. Attached is confirmation that the email address used is correct and a regularly checked email inbox.
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

My understanding was that I was taking out an installment loan, which I expected would have monthly interest charges. However I am being charged {$250.00} bi weekly for a {$1000.00}. at an interest rate that is over 700 %. They will not stop the ACH payments, and make payment arrangements. I will be forced to close my bank account, as I can not afford to have this coming out of my account bi weekly.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

This company is contacting me as the result of a conflict between a company I owned and  XXXX   XXXX   XXXX . I have complaints about this issue with both the FTC and FCC yet this company has the audacity to try and collect on a debt that does not exist because  XXXX   XXXX   XXXX  broke their contract with me and violated the false advertisement law. If the collection company wants to stay involved with this issue after reading the statement I sent to the FCC and FTC then I have a lawyer that would love to talk to them.
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I took out a loan with this company on XX/XX/XXXX for {$3300.00}. I paid my payment on time for several months. I then hit a financial hardship due to a health condition ( that is still on going ). I tried to contact the company for several months to set up a payment plan and they would not respond. Finally I got through to them and this is their response : " Date Arrangement is set up : XX/XX/XXXX Thank you for contacting us to set up a payment arrangement for your loan #  LOANNUMBER which has been accelerated. Our records indicate you have a past due balance of {$9500.00}. This payment arrangement will replace any existing installments or scheduled arrangements outlined in your original contract if adhered to and can not be changed or canceled. The plan we have setup is detailed below. 
{$120.00} due on XX/XX/XXXX via DC and $ 125 monthly through XX/XX/XXXX. '' I did some research and was shocked that they are charging me {$6200.00} in interest. If I could have afforded this amount, I would have paid it much sooner. 

They are scam artists who play on individuals. Payday loan lenders are " sharks '' and I made the mistake of going with this company. They just keep taking advantage of the consumer even when their is a true hardship. They do not care. 

I agreed because I did not know what else to do. Since I have researched I need help in getting the finance charges removed. I own the debt but can not afford all that interest.
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called about unknown hard inquiries on my credit report cause I was a victim of there inquiry issue they had a couple months ago. When I spoke to customer service he said I was not a victim and he could not take them off my report. These are the unknown items that are listed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

I have been in foreclosure for about 16 months, in which time I have tried diligently to get a modification, my current rate is very high and the bank has refuse to modification my loan because there equity in the property. they have time and time again ask me to refax document and I have already provided to them only to tell me after 14 months that the loan can not be modified because there is equity in the property.
Consumer complaint received 2018-02-27
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX, XXXX, I signed up for a {$1.00} trial of CreditCheckTotal. I had used them for a number of months in XXXX. 

I pulled my credit report immediately, successfully, and I then attempted a cancellation. I called, but was told it would be a 3 hour wait. I hung up. 

I called the next day, XXXX XXXX, and was told it'd be a 3 hour wait. I hung up and replied in their welcome email this message : " I requested to end my trial after signing up. Please let me know if it's been done. Thank you. '' No reply came. 

I realized I'd assumed a lot in my last message, so I called again on XXXX XXXX, finding out I'd be on hold again. I replied ( in the same welcome email ) : Please cancel my CCT account. Thank you. I called your 800 number, but was told it'd be a 2 hour hold. 
Please cancel my membership. '' I forgot about it. 

Today, Tuesday, XX/XX/XXXX, they charged me {$29.00} since my account was not cancelled. 

This is wrong. They say they won't refund any fees, but also will not respond to requests for cancellation unless one stays on hold for hours to speak to a sales rep. This is highly immoral. It's thievery.
Consumer complaint received 2018-04-26
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. (IL)

XXXX card by Chase Bank.Signed up for this card as advised by travel bloggers for its 'free night at any XXXX hotel ' award. This free night certificate is issued on the 1 year anniversary of having the card ( for me this would be XX/XX/2018 ). I had planned to use my certificate in XXXX at a hotel requires XXXX miles ( but many hotels require at least XXXX - in fact in almost all major cities in US ). Suddenly, about a week ago ( XX/XX/2018 ) XXXX decided to change this benefit 'midstream '. Capping the award at a XXXX point hotel. 

While I understand they are able to change terms and conditions, it should AFTER the benefits promised at the time of application are received. I have written emails and reached out on social media and have only been given the run around on this ( literally for hours ). Not only is this 'bait and switch ' but reportedly they ARE still going to give some consumers the uncapped free night award ( discrimination ). In addition, having this card prevented me from getting the XXXX card through which I would have had several nights of free hotels. 

I am all for responsible capitalism - but this is unfair and non-transparent behavior, from several corporations who apparently feel too big to fail
Consumer complaint received 2018-04-26
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. (NC)

The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XXXX of XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX
Consumer complaint received 2018-04-26
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. (IL)

This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current ''XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XXXX andXX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXXand then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent a certified letter in the mail at the end of XX/XX/XXXXupdating my one name and my one address onto my credit report, which has not been updated. I also disputed online, but when I try to check the status of my results one of the questions I am getting to verify my identity is asking me about a mortgage loan that was taken out in XX/XX/XXXX of XX/XX/XXXX. I have NEVER EVER applied for a mortage loan so I of course hit none/non applicable, ensuring the rest of my answers to the verification questions are correct, but I am still unable to log in or view my recent dispute results, based off of that question. Im confused because there is not a lot of credit related things listed on my Equifax credit report yet Equifax  is the only bureau I cant access through their website. I call and Im waiting for umpteen and a half hours to try to speak to a representative.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CO)

Round Point Mortgage XXXX NC XXXX I have mortgage with them escrow account also. 
My Flood insurance was not sent to the right address for XXXX in XXXX, the check they made out was the incorrect amount also and it is lost and they have not corrected issue and put money BACK in my escrow account I made the payment to fema and have doc. to prove which was faxed to them by fema. amount owed to my escrow account is XXXX the check they made is # XXXX. 
My homeowners was sent to the wrong address also and it still has not been received to XXXX XXXX amount XXXX. from my escrow acct. 
I am going to XXXX XXXX today to pay XXXX so it is not cancelled. 
I have called Round Point customer service almost daily to get resolved they have not as of today fixed this issue. I would like to get answers on this. I am refi-ing to get away from them and do not want to lose over 1500. in escrow due to their negligent behavior thank you XXXX XXXX
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

My problem is to be unable to access my Wells Fargo 's account for long time now. I used all the systems located in online but they said that all time " we do not recognize your username, password or SSN ". I am truly a customer for many but now unable to access my account in this bank now.
Consumer complaint received 2018-06-27
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: Neon Newco Corporation (MD)

On XX/XX/XXXX I attempted to make a purchase online with my card my balance available is XXXX the company will not process the payment for reasons unknown this is not the first problem encounter XXXX with Netspend my card was cancelled without my permission playing my direct deposit if my income taxes for a month The card was sent to the wrong address so I had to wait for another card from Netspend I paid XXXX XXXX and the money deducted from my card but XXXX XXXX never got the payment
Consumer complaint received 2018-02-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NC)

I was asked If I was interested in making money weekly. I was told I can change my XXXX into XXXX. He informed me that I could send the money to ANYBODY I wanted to and he was going to add a XXXX to the end and that and send it back to me. All I had to do was send him half. 
Ex. I send {$150.00}, he goes in the system and add a zero ( {$1500.00} ) and I was supposed to send him {$750.00}.
Consumer complaint received 2018-10-02
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: JPMORGAN CHASE & CO. (CA)

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the authorized charge to be resolved.
Consumer complaint received 2017-06-13
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. (CA)

XXXX  : : claim #  XXXX  I called chase card benefits that my kids phone was stolen. She said to file a claim online which I did on  XXXX   XXXX   XXXX .   On  XXXX   XXXX    XXXX  , all I received from Chase was that I needed itemized sales receipted indicating the purchase of the price I am claiming.   - Your itemized sales receipt  ( s  ) indicating the purchase price of the item  ( s  ) you A police report was not requested til  XXXX   XXXX . When I received this email, I emailed back and called if we need to file a police report. Due to system error , Chase  needs to call me back. I didnt receive an email re : this police report or a call til  XXXX   XXXX ,   XXXX  . Chase is quite slow in processing this and many days have lapsed.     Also there was NO Prompts or mentioning in the claims online that a police report is needed!     Additionally the rep,  XXXX  called me on  XXXX  of  XXXX  requesting a police report. I told her and I have emailed you guys I can go and obtain a police report. She said, she needs to speak to someone or she needs to check something out.   On  XXXX   XXXX , she called stating the claim is denied because a police report was not in place.     Why wasnt I requested a police report in this email on  XXXX   XXXX  request?     I have been with chase when I was  XXXX   XXXX   XXXX . For 16 years, I paid an annual fee! If you look at my histories, I have purchased many expensive items! I do NOT have histories of filing lost or theft items at all. This is my FIRST item that is lost and this is how Chase treats me!     I feel chase is trying to avoid paying this claim. I am a good cardholder, I pay my bills on time, etc. I am not very happy. Whats the point in paying {$95.00} annual membership for? I paid this fee to have a sense of security when my item purchased is damaged and lost.       I will also file a BBB report and any other report that is necessary to have Chase cover this claim.     If I was told in the beginning or when I file this claim that a police report needs to be popped up then I would have filed a police report.       Sincerely,  XXXX   XXXX