davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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: JPMORGAN CHASE & CO. (CA)

This is the second time Chase ( Sapphire Preferred ) is refusing to look into a charge dispute. They claim they sent me a letter asking for more details but they never did. The person that is handling " my inquiry '' as they call it, is never available as I have called at least 5 times and gotten a voicemail. I called the general disputes line and talked to an extremely rude person that only asked if I entered the movie theatre. When I said yes, but the reserved seat I paid for was double booked and I didn't have a seat, she said there was nothing she could do to help. I asked to be escalated and someone pretending to be her manager said that since I technically was allowed into the movie theatre, there was nothing they could do despite the fact that there were no seats available. I offered to provide pictures of the trash in all of the available seats in the front that was provided to me as a " back-up '' option, but they refused. I was not able to watch the movie for which I paid a premier price.

I paid for premier reserved seating and did not get that from the merchant and explained all of the details over and over, but they kept saying that because I entered the theatre, that I received my services.

This is a pattern with Chase as the only other dispute I filed with them last year was not addressed whatsoever. 
The date of the service I paid for was XX/XX/2018 for {$44.00} for 2 premier movie seats. I finally made contact with a Chase call center ( not my dispute representative ) today, XX/XX/2018.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.
Consumer complaint received 2024-09-10
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. (TX)

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 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

In XX/XX/2018, I received a bill in the mail for my credit card that was maxed out. That's when I noticed it was stolen ( as it originally had a XXXX  balance on the card ). I called Discover to notify them of my card being stolen and made a fraud report. The transactions total over {$4000.00}. Discover held an investigation since this time, but is still reporting me liable for these charges. I have provided numerous documentation to help support my claim from police reports, to phone records, to identity theft documentation, etc. I would like help in resolving this matter as I don't feel it's fair for me to make these payments on transactions that I didn't make.
Consumer complaint received 2018-09-24
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)

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (CA)

I work as an XXXX XXXX XXXX XXXX for my daugther, who was in the Intensive care unit at XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. When my daughter is hospitalized I do not get paid. After being in the hospital for a month I signed an Opp loan for {$2600.00}. From XX/XX/XXXX to XX/XX/XXXX I have paid them over {$3600.00}. Today they tell me that I owe them {$2800.00}. I just made a payment for {$210.00} That I am placing a Stop payment on. I was never told the INTEREST RATE OF 160 % THAT IS ACTUALLY OVER 430 % APR.
Consumer complaint received 2021-09-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION (FL)

M & T Bank has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with XXXX XXXX XXXX now XXXX XXXX XXXX , M & T were notified that the property attached to the loan was sold and closed out on XX/XX/2021. M & T continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. M & T suggested talking to XXXX. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At M & T I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At XXXX, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses M & T in the communication since I am sent back & forth between the two entities. The resolution is simple. M & T accept the payoff from funds received at closing on XX/XX/2021, XXXX out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.
Consumer complaint received 2018-09-24
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. (SC)

For ten years the same issues has occurred and Equifax hasn't paid one dime of restitution for the their error filled reporting, their failure to protect consumers, and their irresponsible reporting of others information on this consumer. This is creating personal as well as financial hardship that ought to be compensated. Through their insecurity of credit reporting information they have continually reported others information on my credit report, allow some person or entity to open up an account in my name without the benefit of their own social security number but reporting on my report. 

I demand these items be removed immediately Department of the Treasury account number XXXX, this account belongs to social security number as verified by this very entity ending in XXXX, not my social security number. 

In respect to reporting of an account stated as XXXX XXXX XXXX, this account was opened with social security number XXXX, not mine, which indicates a deliberate act from an address I don't live at, but still reported on my credit report. 

Im in the middle of getting a mortgage, and these irresponsible and inaccurate reporting is affecting my loan, I demand they removed immediately.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WI)

XX/XX/2017 applied for a new American Express gold card and was told I would receive 0 % interest on all purchases for 1 year as well as up to XXXX XXXX bonus points on purchases made in the first 3 months. 


In XX/XX/XXXX, when I realized I was not receiving bonus points or 0 % interest I called and they opened a complaints ( XXXX ) and said they would get back to me. Name was XXXX and he said I would have a response in a few weeks. Never received a response back. Called again on XX/XX/XXXX and again was told that we were valued clients ( my husband  has been a cardholder for many years ) and I would receive a response by mid XX/XX/XXXX. Again, never received any response. 


Called again on XX/XX/XXXX and " XXXX '' a manager set up call back for XX/XX/XXXX at XXXX central time. Never received a call back. Called them at around XXXX and was told the " ID '' number XXXX XXXX gave me was not a valid " ID ''. Spoke to " XXXX '' " ID number XXXX who told me she would have her supervisor and a manager review and get back to me. Said she was not authorized to give me their names. No one called me back. 


Called again on XX/XX/XXXX and spoke to XXXX who transferred me to XXXX. XXXX assured me that I would have a response by Monday, XX/XX/XXXX. 


On XX/XX/XXXX, " XXXX '' called me back and said they had reviewed the " recording '' and they would not be honoring the 0 % interest or bonus XXXX points. I asked to have the recording send to me and he called me back and said I would have to have a subpoena. I then tried calling my phone carrier and they said they do not maintain copies of private conversations. 


For starters, I would never have charged that much and left it on the card if I was going to be charged interest. American Express records will show that we typically pay off our card every month. Since I first realized the issue in XX/XX/XXXX, and tried to get it resolved, an additional {$2000.00} in interest has accumulated. Over {$3000.00} total for the year.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

I switched cell phone companies from XXXX to XXXX and they told me that if I switch they would pay off what ever I owe to XXXX. I'm not sure if this agreement was fulfilled by XXXX. I have not received any notifications from XXXX stating that this wasn't paid and they didn't tell me that this was going against my credit. Now I have a derogatory mark on my credit XXXX   {$640.00} profile because of this problem. My XXXX report is showing no Derogatory Marks.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

In XXXX of XXXX I was contacted by Synchrony Bank regarding the past due balance on my Care Credit card. At that time they gave me the option to make 6 prearranged, direct debit payments toward my balance in an effort to get the balance current and pay down the amount owed. I agreed to the arrangement and the payment amounts that were quoted to me. Subsequently, I have made all of the payments, on time, yet my balance has continued to go up and is now higher than it was when I began the payments. I contacted Synchrony bank on XX/XX/XXXX to try and understand why this was occurring and was told that if the payments made were not full payments, I would be charged late fees which amounted to more than half of the arranged payments. I stated that they dictated the payment amounts of the payment arrangement and all were made on time so I did not feel that late fees should have been charged. They then told me that they would file a complaint regarding the fees and would contact me further regarding the outcome. I was never contacted. I just received another statement from Care Credit and my balance has once again grown. I called again and was told again that even though I paid my arrangements on time, as they were not full payments (? ), late fees would apply. 
My initial credit limit on this card was XXXX which I used for critical dental work. I have made sincere attempts to pay off the account. I was able to check my bank statements and have the dates and amounts of the payments I have made and confirmed those with Synchrony Bank. 

XX/XX/XXXX XXXX Initial payment of arrangement XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These payments total {$590.00} yet my balance is now XXXX. They were all made on time and in the amount dictated by Synchrony Bank at the time the arrangement was made. I have paid off two other credit cards during this time using similar arrangements without any issue. I am sincerely trying to get my credit in better standing and pay off outstanding balances but Synchrony Bank continues to add fees and my balance is never reduced.
Consumer complaint received 2019-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Upon disputing this record, EQUIFAX failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX v. XXXX XXXX XXXX , XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.
Consumer complaint received 2018-05-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from Bank of America in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX  and now XXXX XXXX XXXX   are suing me through XXXX XXXX XXXX in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..
Consumer complaint received 2021-04-16
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. (KS)

In late XXXX  XX/XX/XXXX I purchased a Vanilla Visa gift card from my local XXXX to use to order XXXX  gifts from XXXX. I put {$150.00} on the card. I had no problems with my XXXX order, but in early XX/XX/XXXX decided I was going to spend the remaining balance, {$73.00} at the XXXX where I had purchased the card. The card was declined at XXXX, and my first assumption was that I had used the wrong pin #. I called the phone # for cust. service, XXXX and followed the steps to clear out my original pin #. I attempted to use the card at XXXX again, and again it was declined. I called customer service again on XX/XX/XXXX and this time spoke to a live person named XXXX. I told her of my situation and she explained that she would have to cancel my old card and send me a new one, which I would receive within 30 business days. I called back on XX/XX/XXXX and spoke with her again and she told me that the 30 business days would actually end on XX/XX/XXXX. XX/XX/XXXX arrived and I still had not received the new card so I called again and reached another person named, I believe, XXXX. She started giving me some excuses, and by this time I was starting to lose my patience with this company so I cut her off and told her that I was done with this company and would no longer be interested in a replacement card, that I wanted a refund check for the {$73.00} mailed to me. She put me on hold for a couple of minutes and came back to tell me she hadn't actually spoken with anyone but had put in a request for a refund check to be sent to me. She said I should receive the check within 10 business days, which by my calculation, allowing for XXXX XXXX  would have been yesterday XX/XX/XXXX. I checked my mailbox today and, more than 8 weeks after my original phone call, I still have not seen either a replacement card nor a refund check.
Consumer complaint received 2019-05-31
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: BARCLAYS BANK DELAWARE (FL)

I filed a dispute with XXXX because my mother 's negative credit information is being applied to my credit report. I explained this in my dispute and provided XXXX my mother 's SS # to assist them in their investigation. My mother and I had the same name before my marriage. Note : I'm only having this problem with XXXX. XXXX  and XXXX  are 100 % accurate. 

XXXX  Investigation Comment : Barclay Card - Disagrees with dispute and charged off account. 

The disputed charge has remained on my credit report and it has prevented me from obtaining new credit.
Consumer complaint received 2018-09-24
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)

I canceled my Chase XXXX Credit Card on XX/XX/XXXX. I called a Customer Service representative at Chase on XX/XX/XXXX and asked if I canceled on XX/XX/XXXX, would I qualify for the XXXX points on my XXXX XXXX mileage plus account for making {$10000.00}. in purchases from XX/XX/XXXX to XX/XX/XXXX as outlined in Chase 's cancellation statement. I was told yes. I never received the points and at first was told it could take 2 months to post. When I called in XXXX I was told I did not qualify. On XX/XX/XXXX, I wrote to XXXX XXXX XXXX, XXXX, XXXX XXXX Chase and made my case. A representative from the XXXX 's office of XXXX XXXX XXXX?, called on XX/XX/XXXX and said that while I did receive the above information on XX/XX/XXXX, it was incorrect and that employee is in coaching. Additionally, even though I was told my process was correct, I would not receive the points because I should have read the contract I signed in XXXX to see I had to wait until end of period. Hello, that's why I called on XX/XX/XXXX. 

I asked XXXX? to put his determination in writing and I have never received it. ( Almost XXXX months ago )
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have sent you several complaints regarding EQUIFAX and all I ever get from them are form letters asking me to PAY them for my report when I shouldn't have to. They haven't answered any of my questions and frankly neither has your department. All you seem to do is pass on my complaint to them without investigating why no action has been taken. The government bureaus have no teeth nor are any bit concerned with corrective attempts at resolutions. And the Credit Bureaus really don't care either. They pile up record profits selling our personal information with the blessing of the U.S. Government. 
LET 'S JUST FORGET THAT I EVER CONTACTED YOU OR THEM. PERIOD!!!!!
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I have attached a copy of my credit file from XX/XX/XXXX showing a paid out XXXX XXXX account that I have. The account number is listed as XXXX and the high balance was {$15000.00}. This account was paid out in XXXX of XXXX as noted. I disputed the 60 day late payments during XXXX because I believe them to be incorrect. 

Equifax has now changed the historical delinquency to read that this account WITH A XXXX BALANCE SINCE XXXX, was 60 days late in XXXX and XXXX OF THIS YEAR. I have attached copies of the file from XX/XX/XXXX and XX/XX/XXXX. HOW CAN AN ACCOUNT THAT WAS PAID OFF IN XXXX BE 60 DAYS LATE IN XXXX? 

Someone has clearly changed this historical data AT EQUIFAX. I know it is Equifax and not at XXXX XXXX because the identical trade line on XXXX XXXX and XXXX   still shows the two delinquencies from XXXX and certainly not XXXX. 

This major error has dropped my score more than 30 points. This is clearly WILLFUL NON-COMPLIANCE with the FCRA and is likely subject to punitive damages in a court of law. The damage to my financial position and the costs for credit will all be part of such an action should I file it.