davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK (MN)

It is hard for me to have dates, as I tend to delete messages and voicemails that arent pertinent. 

It started around XX/XX/year> with a text saying that XXXX had requested for information/help with Freedom Debt Relief. My name is not XXXX and I did not initially contact XXXX. 

They have since continued to call me multiple times a day. There were a couple calls on the XXXX and XXXX that I deleted. Most calls include a voicemail, and every call comes from a different number so I cant block future calls. 

See the attached image of my recent missed calls. There are XXXX calls in 4 days and probably more calls in from the prior week that I deleted. 

Each voicemail seems like its a robocall. They sometimes introduce themselves as a business, so not say their name, and do not say who they are trying to reach.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

In the middle of XX/XX/ 2024, someone hacked into our XXXX account through our check it at Wells Fargo bank and withdrew from XXXX different accounts a total of {$3400.00}. We filed a claim with Wells Fargo bank seven days later they said they were not responsible for the hack to our accounts, they will not be refunded. Our money was stolen from our checking account. They also changed our checking account numbers so it would happen again. I have no way of retrieving documents from the old account. I would need your help to have Wells Fargo refund all of our money that was taken through XXXX
Consumer complaint received 2024-10-03
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. (IL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

2 week ago I filed 2 disputes and make a police report sent it to chime and they still refuse to reimburse me my money can you solve it I am suppose to pay my taxes with that money 1 dispute is for {$960.00} and one is for {$1000.00}. I have disputed the same two disputes 2 and they say they investigate but their not cause if they was the would find out who stole my card and use it at those atm 's they keep telling me to provide information but the police report is the only information I have
Consumer complaint received 2017-10-26
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: JPMORGAN CHASE & CO. (PA)

CHASE BANK USA, N.A. without my verbal or written consent accessed my credit profile via XXXX XXXX and XXXX  XXXX ( XXXX ) separate times on at least these dates : XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I have on several occasions in good faith attempted to resolve this matter via documented telephone calls, U.S.P.S. Certified written NOTICES with Affidavit attached and emails, to no avail. I expressed my frustration with the situation and the several FCRA violations that were committed. 

At this time as an injured party I would like resolution and relief for these blatant violations and willful non-compliance as clearly stated in the FCRA. Also for CHASE BANK USA, N.A. to put  safeguards in place so this does not happen to any other consumers ... especially consumers like myself who have never had any prior Creditor-Debtor relationship with CHASE BANK USA, N.A.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Credit reports show CHP XXXX as a CHP XXXX. All of my debt before XXXX 2017 have been discharged. Credit report should be reporting a CHP XXXX.
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I have been a holder of a XXXX store card over last XXXX years and always a great payer. Recently, I unfortunately had return payments from my bank for XXXX setup, but abruptly called Synchrony Bank to apologize and explain root cause. Pleaded with customer service representative for company not to close my account, which they replied, it 's not their decision. XXXX weeks after that call, letter arrived advising account has been closed, due to XXXX returned payments, which out of XXXX years of successful payments seems a policy, which makes no sense. I can understand if account was recently opened and such issues occurred, but for established good standing accounts, it is really not a logical decision making process and does n't represent how events in life happen unexpectedly. 

My complaint is that, nobody can predict unexpected situations that may lead to a returned payment and number of years a customer has been a good Auto-Payment customer should be included in such as decision making process. 

Kind Regards
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! 

Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! 

I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. 

It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. 

This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has not moved forward with foreclosure, which they supposedly were doing according to response on first complaint case # XXXX. This property at XXXX XXXX XXXX XXXX ca has been a financial drain with code enforcement fees and vandalism. It has been vacant for several years now. Please help, thank you.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

Received an offer from Chase Bank for a Southwest Air Lines Rapid Rewards Credit Card. Offer included a bonus of XXXX points after spending {$1000.00} in charges in the first 3 months. I spend the required amount plus some in the first 2 months, then waited the required 1 or 2 statement cycles for my XXXX points to show up, when they did not appear I contacted Chase Bank. They told me I did not apply for a XXXX point card but one that gave XXXX points and that is was to late for them to do anything, had I contacted them 3 months ago when they first put in XXXX points they might have been able to do something and that it would be unfair to their other customers to fix their problem. I informed them I did not, would not waste my time applying for a card with only XXXX points. I told them this 4 times in 4 different secure communications. They have refused to do anything about this. I did not apply for anything but the card with XXXX points. I will accept nothing less than the XXXX points in the offer they made or the refunding of my credit card fee they charged. This bait and switch practice should be illegal and probably is, Chase needs to make this right!
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (NY)

I applied to have my loan payments decreased in XXXX of 2016, I was denied by Chase/XXXX and the reason stated was " income '' but no further details were given. 

I called XXXX and they told me I was denied multiple times so Chase must have done their best to make sure all my paperwork was reviewed. 

What I want to know is more details about how my income was denied. I am currently working part time and receive partial unemployment benefits. I have medicaid as receive a modest amount of food assistance. 

I do n't understand why I am not able to know more details about why my application was denied. 

I work diligently to keep financial life afloat and my credit in good standing. I continue to make payments, even if they are late I do it as a sign of good faith that I am doing what I can and not just defaulting on my loans. 

I need answers.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (FL)

I had an insurance claim on my home and Ditech must sign the insurance check and return it to me. I XXXX all their required information to them with the check and was informed it would take 7 to 10 days to process. On day 10 they stated they would finish processing and then would need another 3 business days until some would contact me to schedule an inspection and then once they heard back would need another 3 to 5 days to get me a check. So on a mortgage that I owe them XXXX on a XXXX property it will take a month to get a check. To add insult to injury I am in the process of selling my house and requested an exception and was told no way. Was on the phone for over an hour on hold to get this information in 2 minutes. Ditech is the worst mortgage company and should be held accountable.
Consumer complaint received 2016-04-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: National Credit Adjusters, LLC (LA)

On my credit file, a National Credit Adjusters collection account in the amount of {$950.00} appeared. Date reported was XXXX/XXXX/2015. I contacted the number listed on my credit file to inquire about the debt. A representative stated it was a payday loan account that was from XXXX. I stated to the representative that I had not done business with this company and this was not my account. I contact XXXX but they said they did not have an account in my name. The company is stating that I received a loan but I am disputing that I am the borrower. I am not the borrower.
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Delta Management Associates, Inc. (FL)

I had worked with XXXX and XXXX XXXX from Delta Management Associates who were handling collections on behalf of American Student Assistance regarding defaulted Federal Stafford Loans. I had provided a payment of {$7800.00} to be applied to loan XXXX which would be paid off in full. The XXXX remaining loans of XXXX, XXXX, XXXX would be entered into rehabilitation with a monthly payment of {$230.00}. The loan ending XXXX had an interest rate of 6.8 % while the other XXXX had interest rates of 2.32 %. Delta Management Associates misappropriated my payment across all XXXX loans instead of applying payment as agreed upon and paying XXXX completely off. I view this misappropriation as a deliberate action of the loan servicing company, Delta Management Associates, and believe that their practices should not be tolerated by the US Government or the CFPB and that their license to service Student Loans should be revoked.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Sale of account — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I disputed an account that I had with XXXX XXXX and XXXX XXXX updated the records as follows : XXXX Report - This item has been updated to report as paid in full. 
XXXX Report - Transferred, closed/Never Late XXXX - does not show up at all on this report However, before I disputed the incorrect reporting from XXXX XXXX, they must have sold my account Portfolio Recovery. When I disputed the validity of the debt with Portfolio Recovery, they ignored the fact that the debt with the original creditor was disputed and the correct information was updated on my bureaus and sent me paperwork to " prove '' the debt, that actually contradicts was they were reporting on my bureaus. Portfolio Recovery sent me what they claim is the last bill from XXXX XXXX that I received and it was from XXXX XXXX, however they are reporting that this debt was placed for collection on XXXX XXXX. They are even reporting the debt on my XXXX report, when XXXX XXXX never had a record, either positive or negative, at any time.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Malen & Associates, p.c. (CA)

Malen and Associates PC filed this judgment on behalf of XXXX XXXX. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ] ( XXXX XXXX Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) XXXX Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. XXXX XXXX XXXX. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired Malen and Associates, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my XXXX when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For XXXX XXXX has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure XXXX the Credit Bureaus and Malen and Associates are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy XXXX We ask that the CPFB remind XXXX XXXX and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (NY)

I was an XXXX customer. I had a complaint filed with the BBB for unfair sales practices and fraud. ( they added services specifically XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, XXXX XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX, now I am receiving constant calls and letters from Sunrise Credit even though I advised that this was an error and should not be in their records.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (CT)

In attempting to set-up Bill Pay through XXXX XXXX XXXX ( my bank ) for my Synchrony credit account, I logged-in to Synchrony 's website to obtain my Synchrony account number. I was unable to find the account number so I initiated a chat with a Synchrony representative. In the chat, the representative disclosed certain nonpublic personal information ( XXXX ) to me but refused to answer any questions about my account, citing " security purposes '' ( i.e., if I asked about my account, the representative refused to provide information but the representative provided the SAME information independently, so long as I did not ask for the information ). When I requested policy documentation outlining what XXXX would be disclosed and how it could be disclosed, I was told that customers could not view that policy. On XXXX/XXXX/15, I received a call from a representative from Synchrony who stated that he would be sending me a copy of the card agreement ; however, the card agreement does not specify when XXXX would be disclosed and how it could be disclosed.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

At some point XX/XX/XXXX or XX/XX/2016, I discovered that an item I had purchased had n't shown up. I decided to look into all my statements to find out if the item had been paid for. I decided to log onto the Capital One website and set up a login name and password. I did so and checked the statement. Everything seemed ok so I moved on. I had been receiving my statements in the mail for the past 21 years from Capital One and had always paid on time. I rarely use my credit cards and prefer to use my debit cards. I did however have my phone bill tied to the Capital One account in order to keep a little activity there. XX/XX/2016 I went to use the Cap One card and it was declined. I called Cap One and they told me I had an unpaid balance that was over 120 days late. I immediately paid the small balance and all the late fees right then and there. After several attempts to discuss the matter with someone over the next few weeks I had pieced together the fact that when I logged on the site XX/XX/XXXX or XX/XX/XXXX, I was automatically signed up for the paperless service. I did not know this at the time. I was told that there was a box that is checked by default and that I needed to uncheck it in order to not be automatically enrolled in the paperless service. I 'm not here to argue that the payments were not late because technically they were. I 'm here to argue the fact that because I was automatically switched over to paperless billing without my knowledge, I wound up missing 4 months of payments. I was never notified by mail or a phone call from Cap One. I now have to put off a new home for several years because I am dealing with a FICO score XXXX due to their automated paperless feature. I ca n't imagine that this is an isolated incident as I 've looked into it and have read about it happening to others. I find this to be very unfair for someone who 's always had excellent credit. I simply want my credit restored. Capital One has been unwilling to address the issue and remove the negative info. As for lost money, it 's going to cost me in the future over 1 ) much higher interest rates and 2 ) anticipated home appreciation ( XXXX County, CO : over XXXX % increase in 2016 ). One ca n't earn let alone save money fast enough here to keep up with the hosing market. I 'm guessing it 's a loss of over XXXX-XXXX on a 15 year loan due to increased interest rates since I 'm high risk. If I wait it out a year or two for my credit to improve slightly then XXXX-XXXX on one year 's anticipated appreciation of a XXXX home ( being conservative ), or another way to say it is that I 'll be potentially looking at a $ XXXX- $ XXXX home in two years that I could be buying now for $ XXXX.