davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I contacted The Home Depot on XX/XX/XXXX to confirm my balance and assure my auto payment amount was active. While speaking to the CSR I uncovered my balance increased to XXXX. I had a siding and gutter installed in XX/XX/XXXX and bottom cost was XXXX. I established APO to pay off the balance, rarely had any issues with past due and payments were received on time. During my consultation for the installation I was told that promotional offers are available ( Sales consultant at that time XXXX XXXX ) however, I was totally unaware of how these offers worked. There was no in-dept break down of which services received what promotion, and what I'm required to pay per month to avoid large amounts of interest. For example, I was advised in XXXX a promotion expired, due to not paying in full XXXX, I was charged interested on XXXX in the amount of XXXX which spiked my final balance up. I was also informed that I was placed in the Covid-19 deferred payment program, which no payments were required for two months ( XX/XX/XXXX ) and that my promotions were extended out that would be a benefit for me. I never asked to defer any payments, I opted into auto pay, I had to manually call The Home Depot to continue submitting my payments. The XXXX continued to tell me about how the Covid defer program helps, me than after XXXX minutes of trying to understand my chargers she than says : Your not in the Covid program, I escalated the call to a Manager XXXX, who hangs up on me than, I called back requesting another Manager. XXXX from executive relations takes over the call. I revisit my case, advise her multiple times that The Home Depot did not disclose how these promotion work, I have a balance due over XXXX XXXX, she overlooks my problem, and become very bias, stereotypical and says " If we did not disclose the promotions, I will send feedback, you've reached out escalation department in the past, and if you want the XXXX removed you have to pay XXXX today ) I will complete an investigation and reach you in 5 days. I than asked for the CEO information, she advised he can't give that information out.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

So i opted to have my PUA ui unemployment payments direct deposited to my Cash App account ... Well i only received an amount under what i was originally supposed to get ... i was supposed to have had around XXXX deposited into my cash app account & i only received XXXX of it ... So i reached out to Cash app support through email & a few days later i got an email back & the lady said that basically no more than XXXX can be deposited at one time, so i asked if they could deposit the remainder of my money & she replied saying they couldnt do anything & advised me to reach out from where the money was being deposited from?? I asked her if the money was going to be returned to the original place it came from & she said yes it would be..with in 3 to 5 business days ... I tried asking replying back to the same person from the email from cash app to see if they returned my money yet & she preceded to tell me that she could do anything else further for me, that she has given me all the information she could ... So then i reached out to the Georgia dept of labor, again through email & the gentlemen i spoke with told me that everything looked fine on the depts end & basically they couldnt do anything to help me either .... So now this is my last resort to trying to get my money returned to me
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

My cashapp account was locked due to me changing my device. I sent an email from the app to have it unlocked. The following Monday, I got a reply from support to verify some information via several questions. I did that but have not heard back from them and my account is still locked! I have no access to my funds. I have sent 10 follow up emails with no response.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

Four times Wells Fargo Auto has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it happens.
Consumer complaint received 2021-02-26
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. (AZ)

My loan amount due reported was incorrect and I received an 8 month delay on reporting to the credit reporting agencies. The amount due was originally reported XX/XX/XXXX as verified by an agent with XXXX XXXX XXXX XXXX and all payments have been made on time and the account current. Though the amount due was just reported via Equifax on XX/XX/XXXX and caused a XXXX point deduction to my credit report incorrectly. Lastly the amount due showing is incorrect at {$6000.00} when the actual amount is {$5900.00}. Please assist in having this rectified and fix this discrepancy as it's causing me a major financial setback. Thank you very much.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

Back in XXXX of 2020 I initiated a debt management program through XXXX and included my JPMCB card with a monthly payment of {$530.00} to pay off in 5 years. After 3 months I realized I could not make that payment along with the additional {$600.00} for the other creditors. XXXX has taken JPMCB out of my debt mgmt program and suggested I work with JPMCB directly to negotiate a longer pay off period to lower my monthly payment. I have made several calls and they tell me I do not qualify for any of their programs to lower my payment. I am currently paying {$220.00} per month directly to JPMCB which covers the interest on the balance plus {$25.00} towards the balance. When I am once again able to pay more I will. In the meantime I would like for this to not ruin my credit. Can you help me?
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

# Follow-up Complaint to Consumer Financial Protection Bureau XXXX CFPB ) # # Re : Bank of America - Delayed Payment Processing and Continued Credit Damage Date : XX/XX/year> Dear CFPB, I am writing to file an urgent follow-up complaint against Bank of America ( BOA XXXX regarding a recent incident of delayed payment processing, which has further damaged my credit score. This complaint is in addition to my previous grievances about BOA 's ongoing financial misconduct and obstruction. 

XXXX XXXX XXXX New Incident : 1. Payment Attempt : On XX/XX/XXXX, one day before the due date, I made a payment on my BOA credit card account via phone, as online access remains restricted. 
2. Delayed Processing : Despite making the payment before the due date, BOA did not process the payment until XX/XX/XXXX. The representative told me the payment was processed, which turned out not to be true, resulting in negative affect on my XXXXredit score.

3. Late Payment Status : As a result of this delay, my account was marked as having a late payment, further damaging my credit score. XXXX XXXX XXXX Specific Concerns : 1. Intentional Delay : Given the pattern of obstruction I've experienced, I believe this delay in processing may have been intentional, designed to force my account into late status. 
2. Lack of Transparency : At no point during the payment process was I informed that the payment would not be processed immediately or that it might result in a late payment status.

3. Continued Credit Damage : This late payment mark adds to the ongoing damage to my credit score, which I detailed in my previous complaint.

4. Compounding Issues : This incident compounds the problems I've been facing with BOA, including restricted account access and potential retaliatory actions. 

XXXX XXXX XXXX  Additional Context : - This incident occurred despite my diligent efforts to make the payment on time, navigating the obstacles BOA has placed in my way. 
- The continued pattern of issues suggests a systematic effort to hinder my ability to manage my account and maintain my credit standing. 

This incident further demonstrates the urgent need for intervention. The combined effect of BOA 's actions continues to jeopardize my financial stability and future prospects, including my ability to secure housing. 

I am prepared to provide any additional information or documentation necessary to support this complaint. I urgently seek your immediate intervention to address these compounding issues with Bank of America. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX BOUGHT A USED XXXX XXXX FOR XXXX 6 YR LOAN MY LOAN MATURED XX/XX/XXXX LEAVING A XXXX. BALANCE I MADE 71 PAYMENTS I WAS FORCED TO DO A MODIFICATION FOR BALANCE OTERWISE THEY WILL REPO MY CAR. I CALLED THEM AND TOLD THEM THE CAR ISNT EVEN WORTH THE AMOUNT / XXXX PLUS 18 % INTREST LEAVING 18 PAYMENTS OF XXXX FOR 18 MONTHS. 
BY THE TIME I AM DONE PAYING OVER XXXX YES, I DEFER SOME PAYMENTS DUE TO WORK EMPLOYMENT AND ILLNESS REASON THIS WRONG I VE CALLED SEVERAL TIME TO SEE IF QUALIFIED FOR RESTITUTION, DEFICIENCY WAVIER OR FORGIVENESS LOAN. THEY REPLY NO I XXXX ON LINE THEY HAVE BIG CLASS ACTION LAW SUIT I EVEN ASK TO HAVE THEM REVIEW MY ACCT FOR POSSIBLE ERRORS THEY REPLIED THEY DID. I HAVE ASKED HOW CAN YOU COME UP WITH THIS FEE / I DIDNT GET A CLEAR ANSWER I AM NOT THE ONLY ONE DEALING WITH SIMLIAR PROBLEMS SANTANDER USE XXXX XXXX XXXX XXXX XXXX TEXAS XXXX PHONE XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

Dear Sir or Madam : My husband and my mortgage loan servicing company, Lakeview Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX ; XXXX. XXXX XXXXXXXX, XXXX, PA XXXX ; and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, twice missed my hazard insurance payment in XXXX and XXXX. Instead of notifying us via email or by telephone, we received a letter stating we needed to get new insurance or Lakeview Loan Servicing would purchase it themselves. My husband and I purchased insurance on our own then forwarded proof of insurance to Lakeview Loan. Lakeview Loan then proceeded to pay the insurance on our behalf. We disputed this and requested immediate reimbursement. 

Additionally, Lakeview Loan has stated that our escrow payments have increased and we had a shortage of {$1300.00} that must be paid over time starting XX/XX/XXXX. After investigating why there was a shortage, we contacted Lakeview Loan and discovered the above failure to pay hazard insurance. Also, Lakeview Loan claimed our local municipality and county taxed had risen. We reviewed those taxes and the increase was approximately {$45.00}. 

We have disputed the additional escrow payment and requested the escrow account be deleted approximately 20-25 days ago. This has not occurred and Lakeview Loan is still requesting the additional escrow shortage and has yet to reimburse us for the hazard insurance payment. 

We have never missed a payment on our mortgage even during the trying times of XXXX. Our demand is that Lakeview Loan reimburse us immediately for the extra hazard insurance payment, immediately delete our escrow account and refund us any remaining escrow, and provide us with a new statement showing the amount of principal, interest and PMI we owe from XX/XX/XXXX forward. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (OH)

On XX/XX/2021 I spoke to a representative on the phone about the collection agency, Credit Management LP, about the reporting of the account of my credit report. They investigated and found my accounts reported onXX/XX/2021. The call escalated to Supervisor XXXX XXXX who informed me that they had reported my account in error & it would be removed from all bureaus. He stated he took " full responsibility '' ' this error would be correcres by deleting this account from my credit reports. After filling disputes with the credit bureaus - the agency attempted to state there was no issue with the reporting. Which goes against what Supervisor XXXX XXXX told me on the phone XX/XX/2021.
Consumer complaint received 2021-02-26
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. (IL)

On XXXX XXXX, I was scammed into purchasing ( 6 ) {$1000.00}. gift cards at XXXX 's using my Chase Visa Credit Card. When I realized that I had been scammed that night, I contacted Chase and told them that the charges were fraudulent. They said that I would have to wait until the charges were posted, and then I could dispute the charges. 

I waited 3 days until the charges were posted, and then phoned to file a dispute. I was informed that I could not file a dispute. I was sent to the Fraud department, and they investigated the charge and deemed that it was not fraudulent and that I was responsible for payment of the {$6000.00}. 

Further, I asked for some help in letting me pay of the charge interest free. They refused to provide me with any help.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (VA)

I've sent in multiple letters to include ones that were not responded to within 30 days. I've sent in a letter on XX/XX/XXXX, XX/XX/XXXX. I also sent in multiple fax documents to verify identity and list of fraudulent activity on my account. As of XX/XX/XXXX nothing has been done and every time I talk to someone on the phone I get a different answer on what the policy is to remove fraudulent activity/inquiries. 

As of today, I am extremely concerned that Equifax is breaking the law by telling consumers that they must pay for an attorney to notarize my documents before they can take action. I spoke to a floor supervisor named XXXX, he said his badge number is XXXX and as of XX/XX/XXXX all consumers who are victims of fraud must obtain an attorney to notarize any documents I send in as proof of fraud. Additionally, that they will no longer accept FTC or police reports as verification of fraud. In today 's time this is extremely hard to pay hundreds maybe even thousands of dollars to obtain an attorney for erroneous inquiries on my account. I believe this is unfair to consumers.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Had difficult XX/XX/2020 making my mortgage payment on time due to the coronavirus I was 29 day late just for one month Ive been able to keep my head above water during the pandemic Carrington mortgage showed on my credit report that I was 30 days late I have wrote them a letter and explain my situation for that month I received a letter back. Stating that they were obligated under federal law to report my 30 day late payment to the credit bureau I feel like that I did a pretty good job at keeping my bills paid during this pandemic I have got my mortgage caught up to date now I am not even running late and hope that this will help me delete that late payment for my credit report which dropped at XXXX points
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

Was billed before I ever got the card or a bill in the mail. Paid balance in full same day. Was charged ~ {$30.00} late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They " paused '' the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. There solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what they problem was and if I wanted to set up a payment for the following g month to unfreeze the card ... really??? Bottom line is they predators and should be avoided at all costs. They charge {$30.00} if you do not pay on the date specified and freeze your card, no grace period, they do not communicate, and the XXXX  supervisor is an arrogant, nasty person with no business talking to customers. We canceled our account and cut up the card.