davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (IA)

XXXX XXXX I purchased a vehicle from XXXX a XXXX XXXX XXXX which turned out to be a lemon they didn't tell me that there was transmission issues and the company was in class action for that vehicle so at that time my credit score was very very very low I had no choice but to go to a buy here pay here they approved me I paid on my car for a year my credit score went up dramatically probably from XXXX all the way up to over 600 well due to the fact that the transmission was faulty in my XXXX XXXX I got the recalls fixed a day after I got back from the XXXX dealership the car accelerated and jolted resulting in a car accident which total my vehicle I paid XXXX a month for a year plus the {$1200.00} down payment the gap insurance and my insurance ended up paying 17,000 something something dollars plus my Years payments am a down payment I got nothing so they said they would put me in a new car no charge to pick out a new car for {$15000.00} no down payment but when they set everything up they gave me the same interest rate that they had gave me a year prior with my low score instead of running it with my new score a year later after I got better so I'm still paying high interest rate at 18 % interest from a score from the year prior when my credit was bad after I had already been paying them for a year and establish better credit but had no choice because I had no down payment because I got no money from the first vehicle accident so I'm wondering why am I paying high interest rate when my credit was better and they never ran my credit again they just use that your prior score and why did I pay so much for a car that wasn't worth it because after I purchased my XXXX XXXX XXXX  for XXXX I had it appraise for the value and it was only valued at {$4000.00} even the insurance company valued it at XXXX so why did I pay XXXX XXXX in total XXXX for a car that was not worth it and that was the lemon they had issues to the car dealership knew about
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX XXXX CFPB The Office of the Comptroller of the Currency has directed me to send this complaint to the CFPB. 
The original complaint was sent to the OCC around XX/XX/XXXX by the Delaware Office of the State Banking Commission. 

The complaints are regarding the JPMorgan Chase credit card service division CCSD ), whereby, numerous letters were to me commencing around XXXX of XXXX, initially 13 and a total of approximately 50 ( one such example is attached ) In those letters, they state, They are unable to fulfill the request, o without providing any detail as to the issue involved AND They closed the undisclosed issue. 

Any inquiry made to Chase iswas sent by way of their online messaging system ( XXXX ) so it would appear that there is a lack of communication between both units In addition, when, or if, Chase replies and it should be noted that numerous letters are sent to their executive offices, no one appears focused properly on an issue, and replies, if any, by making, erroneous statements commingling unrelated matters Improper references and/or dates thereby confusing everything with everyone, and probably themselves I also need to point out that within the last week or so, Chase has resumed sending those types of letters ( 3 to Date ) on inquireies again involving theri online messaging system ( XXXX, with the same comments. 

I have asked the OCC to send all their documentation in their possession to the CFPB.

Please review this and provide a control # I await a response.

Thank you Cc : OCC Additional documentation is available, it is voluminous
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My checking account with Bank of America was closed by the bank in XX/XX/XXXX due to being overdrawn and unused for 100 days. Had my taxes done XX/XX/XXXX and my account inadvertently the old account instead of the new one I gave him. Bank of America deposited my return on XX/XX/XXXX to a closed account! On that same day I was issued an atm and and received a email notifying me it did as such. XX/XX/XXXX I received the atm card in the mail. On XXXX XXXX I learned of my account mistake and called the XXXX number on the back of my old debit card and it stated I had {$6000.00}. available in my account. Went to use the debit card and it was declined, went to withdrawn money for the bank with the atm card it was also declined. Called customer service that night and was told my account was frozen due to the fact that it was a closed account. Also was told the saving account I had connecting with the checking was still open. Then was told they could transfer from the checking to the saving but it would that 3 days!!! It is now XX/XX/XXXX ( 3 days ) and just left the bank and my money is still NOT transfer!!
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Bank : XXXX XXXX XXXX via Synchrony Bank Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$810.00} to be financed interest free for 24 months. 
Bought a XXXX XXXX for the XXXX XXXX on XX/XX/XXXX for {$25.00}. 
I made first payment of {$40.00} ( req minimum payment was {$34.00} ) Paid XX/XX/XXXX Due XX/XX/XXXX. 
XX/XX/XXXX statement shows XX/XX/XXXX purchase of case. States Min payment due was {$35.00} due XX/XX/XXXX. I paid {$40.00} again on XX/XX/XXXX. On XX/XX/XXXX, I was assessed a {$2.00} minimum interest fee. 
- I thought by law they had to allocate the payment to the most recent due debt to minimize interest? 
- There was no disclosure that I had to pay {$34.00} + the purchase amount of {$25.00} in order to avoid interest. ( Or I would have! ) After two attempts at their " chat '' service and about 45 minutes, I was able to get the charge reversed ( all be it they said it would take three days to reflect o my account. )
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2018-03-08
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: Seattle Service Bureau, Inc (ID)

XXXX XXXX from XXXX XXXX XXXX called after I got off a graveyard shift. He was trying to collect a debt. I explained I didn't have the money and not sure about making a payment arrangement due to my situation. He said I didn't seem to want to resolve the issue. I tried to probe further. My thoughts were how do you possibly know I don't want to resolve the debt. He said they would take further action, but didn't say exactly what that is and I feel that is a deceptive practice and dishonest. He also hung up, so I never got to ask what he meant by further action. Is it more calls to collect the debt, lawsuit, etc. I have no clue. Maybe he had no interest in resolving the debt with other means. I hope I can file a lawsuit for either harassment or deceptive practice.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please reference my last complaint, which the company failed to address, complaint # XXXX. 

The bank issued 2 checks each in the amount of {$3000.00} and mailed them to my daughters through bill pay. 

According to their online bill pay statement : https : //www.bankofamerica.comXXXX XXXX XXXX XXXX ... the check will be mailed to the biller, and the money will be subtracted from your account when the recipient deposits the check. '' In actual fact, B of A deducted both checks on the day the bank said the checks were received. One was received and cashed several days later. One was never received. I asked them to cancel payment and issue another check, which they did. BUT, they never redeposited the {$3000.00} to my account until the new check was received and cashed, but B of A kept the {$3000.00} in their own coffers for the duration, until the new check was cashed on XX/XX/XXXX. 

At this point I began investigating their practice and found they do this all the time -- in effect kiting checks between the time they say the check arrived and the date the check is actually cashed. I've found several more instances of checks being kited for days, including a {$9000.00} to my CT tax office. 

They have responded to the first compliant with a ton of dates and website links, both of which I have discussed with one of their reps. They have not, however, done anything to make me whole. I must renew this complaint or bring another under a new number. If this does not bring resolution, I will seek legal representation. It is necessary because the problem is not only with my account but with all bill pay users and accounts for millions of dollars being kited by B of A.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I HAVE A MORTGAGE WITH LOANCARE. THIS IS THE WORST MORTGAGE SERVICE COMPANY I HAVE EVER EVER EVER EXPERIENCED!!!!!!!!! THERE ARE MANY COMPLAINTS ONLINE THAT ARE SIMILAR TO THE EXACT SAME EXPERIENCE I HAVE HAD. 

I PAY MY MORTGAGE PAYMENT ON TIME, ALWAYS, THEY CAN SEE MY HISTORY. I PAY ONLINE. I WENT TO PAY MY MORTGAGE IN XX/XX/XXXX ONLINE. I SPENT 45 MINS TO AN HOUR TRYING TO LOG ON. TRYING TO CHANGE MY PASSWORD. I CALLED TO GET HELP FOR CHANGING MY PASSWORD. THE PERSON I SPOKE TO WAS XXXX ID # XXXX. I HAD SPOKE WITH HIM ON XX/XX/XXXX. I TOLD HIM OF MY PROBLEM THAT I NEEDED HELP TO LOG ON. HE SAID HE COULD NOT HELP RESET MY PASSWORD SO I COULD LOG ON. HE SAID I HAD TO SEND AN EMAIL TO CUSTOMER SERVICE. IN THE MEANTIME I NEEDED TO PAY MY MORTGAGE. HE SAID I COULD PAY IT WITH HIM BUT THERE WOULD BE A CHARGE OF {$15.00}. I ASKED HIM TO WAIVE IT SINCE I ALWAYS PAY BY THE XXXX OF EACH MONTH AND HAVE NEVER BEEN LATE. HE SAID HE COULD NOT. THE OTHER OPTION WAS TO CALL BACK AND PAY OVER THE PHONE AND I WOULD BE CHARGED XXXX. I WAS SO UPSET THAT THE BANK IS CHARGING ME TO PAY MY DEBT. SO I CALLED BACK AND PAID WITH AN AUTOMATED RECORDED VOICE OVER THE PHONE SO I WOULD BE CHARGED THE XXXX INSTEAD OF {$15.00}. 
XX/XX/XXXX I EMAILED TO CUSTOMER SUPPORT LETTING THEM KNOW I NEED HELP TO RESET MY PASSWORD. NEVER HEARD BACK FROM THEM, EVER! 

XXXX ARRIVES I GO TO THE SITE TO PAY XXXX PAYMENT. LOW AND BEHOLD I SEE MY XXXX PAYMENT HAS NOT BEEN REC 'D. I WAS FURIOUS, SHOCKED, AND REALLY UPSET KNOWING A 30 DAY LATE CAN RUIN YOUR CREDIT HISTORY AND STAYS ON YOUR CREDIT RATING FOR 7 YEARS. I HAD PULLED MY CREDIT BEFORE THIS HAPPENED AND MY CREDIT SCORE WAS XXXX PLUS. NOW MY CREDIT RATING IN BELOW XXXX AND I WILL HAVE TO PAY MORE TO BORROW MONEY!!!!!!!!! 

I CALLED XXXX AND SPOKE WITH XXXX ID # XXXX. OF COURSE THIS IS AFTER WAITING FOREVER ON THE PHONE. SHE SAYS SORRY NOTHING SHE CAN DO. 
I ASKED TO SPEAK WITH A SUPERVISOR. I SPOKE WITH XXXX ID # XXXX. 
SHE APOLOGIZED FOR XXXX ID # XXXX NOT WAIVING THE {$15.00} BECAUSE HE COULD HAVE DONE SO. THEN I WOULD NOT BE HAVING TO SPEND HOURS AND HOURS AND HOURS TRYING TO GET THIS 30 DAY LATE REMOVED. I SPENT XXXX XXXX HOURS ON THE PHONE WITH XXXX MAKING SURE THIS 30 DAY LATE WOULD BE REVERSED. SHE SAID BASED ON THE CIRCUMSTANCES SHE THOUGHT IT SHOULD BE REVERSED. I SENT HER AN EMAIL AROUND XX/XX/XXXX. SHE SAID SHE WOULD TAKE CARE OF THIS. ON XX/XX/XXXX I REC 'D A LETTER STATING THEY WERE NOT REMOVING THIS 30 DAY LATE. I AM NOW FOLLOWING UP AGAIN. I SPEND XXXX HOURS ON HOLD XX/XX/XXXX WITH FINALLY HANGING UP. 
I NEED HELP WITH THIS. PLEASE, PLEASE PLEASE!!!!!!! I CAN PROVIDE COPIES OF EMAILS I HAVE SENT. BUT THIS IS JUST OUTRAGEOUS!!!!! ON XX/XX/XXXX WHEN I PAID MY XXXX PAYMENT I ALSO PAID MY XXXX PAYMENT. AT THAT TIME THEY WAIVED THE {$15.00}, SO XXXX COULD HAVE PREVENTED THIS WHOLE SITUATION HAD HE WAIVED THE {$15.00}
Consumer complaint received 2018-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The TransUnion Online Dispute webpage does not function. When you get to the final step and click " submit '' nothing happens. It is impossible to submit a request for investigation online. The website does not function forcing customers to use alterative processes that are more time consuming and delay the investigative process.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has placed my home in active foreclosure status without informing me of such action via regular/certified mail or phone. On XX/XX/2018 I attempted to make monthly payment of {$970.00} at their XXXX, PA Branch office and was told my payment can not be accepted because my home is in active foreclosure status. This was a shock to me because I received no communication of this information from Wells Fargo. I am 3 months behind but told them on numerous occasions of my intention to bring account current. I believe I deserved to know my home is being foreclosed on. They are preventing me from reducing loan amount in order to foreclose on my property ; THEY SHOULD BE HELPING. 

Thanks for your time
Consumer complaint received 2018-03-08
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: CITIBANK, N.A. (FL)

I received an offer to apply for a XXXX XXXX XXXX credit card and if I spent {$2500.00} in 3 months ( I spent that in 1 month ), I would receive XXXX airline miles. I am told now since I had a card within the past 24 months, I am not eligible. I never received ANY notice of ANY kind that I was not eligible for the reward before or after applying. If, when I applied, I was told I would not get the reward, I would have cancelled my application. If, after receiving the card, I was told I would not get the reward, I would have never used the card.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MT)

I paid off my AMEX card on XX/XX/XXXX, {$780.00}. The available credit has not shown up as of XX/XX/XXXX, I am leaving tomorrow to North Dakota, and planned on using it to pay for gas. I am also XXXX    XXXX, so i can chat, or email. I can not make a telephone call. When i chatted with support, they said they would be able to remedy the situation, but that I would have to call someone ( another agent ). When i told them that i couldn't do that, they said " well, you are going to have to wait another 4-5 days then. '' Basically, if the problem could have been solved by a person who did not have a XXXX   XXXX, but not by one who has, this is discrimination. They didn't even attempt to help me once I told them I can't XXXX. Game over. They quit. Now I am stranded, and have no money, because I spent everything to pay off that card. In the past, payments were applied immediately, and I was able to use them right away. Had I know this beforehand I would not have done that, I would have kept some cash to pay for my fuel. Now I have no money, a card that doesn't work, and can't get to North Dakota for my job. I feel totally helpless, and completely ignored and pushed aside. They have my money, hostage, and I can't get it back. Please help me, or at least make sure they can't do this to someone else in the future.
Consumer complaint received 2018-03-08
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: Google Compare Credit Cards Inc. (NY)

Starting in 2016 I have received monthly recurring charges on my XXXX XXXX debit card. The charges initially were for XXXX from XXXX XXXX. Once I noticed the charges I would contact Google from the number listed on my statement. They would go over my existing google accounts and find out that I had no method of payment listed on those accounts, as I could tell them myself. Then would then issue a refund for the charges and tell me to contact my bank and have a new card issued. I went through this process 3 times over the past year and a half. On the fourth time I noticed that several other charges had been processed along with the monthly recurring charge. I contacted my bank and together we called google billing support to investigate and see if they could block future charges from going through. The representative was singularly nasty and hung up after saying that it was my bank 's responsibility. They did not even take my information to confirm the ongoing case. I have since closed that bank account and switch banks because of this. XXXX I believe did a good faith effort to resolve things, but Google has shown little initiative in finding the root cause of this. Four attempts are more than enough. I have a case number from google and two fraud case reference numbers from XXXX.
Consumer complaint received 2018-12-11
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. (MS)

Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 30 Days.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (AZ)

I have been getting a large amount of phones call from multiple numbers for wedt asset management ( only reason i know its them is i googled the number ) never leave a vm. When i answer the call it says please hold and transfers or is an automated system. Previously i have advised this company to stop call me on multiple occasions. I have no clue why they are calling as i have never reicived a notice in the mail from them. I want the harassing to stop!
Consumer complaint received 2018-03-08
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: Experian Information Solutions Inc. (FL)

I filed a XXXX XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an XXXX of XXXX on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, XXXX and Experian over the past XXXX years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a XXXX  XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, Equifax and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX, Equifax or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

I paid the collection agency in 3 payments in XX/XX/XXXX and XX/XX/XXXX for settlement amount of {$240.00}. The bill was for XXXX. They on XX/XX/XXXX XXXX XXXX XXXX tried to collect on the bill again and added to credit bureau as collection. When I called with proof they state didnt know why it came up and was sent to credit bureau. Updated credit bureau as paid, states cant remove there error.