davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2020 I applied for an auto refinance with Ally. I was approved for the loan on XX/XX/2020, and I received approval email communications from " XXXX '' and " Ally '', along with welcome documents from Ally in the mail the following week. I also received the monthly statement and payment coupon from Ally for my first payment, and I made the first payment already ( it was mailed in check # XXXX ).  On XX/XX/XXXX, I received a letter from Ally saying that they cant do loan as agreed because they were unable to verify my vehicle 's mileage. This is absolutely false - I feel this is just a " Bait & Switch '' tactic on their part, and the vehicle mileage is just an excuse.Please see below regarding mileage verification : 1 ) During the loan application process, I uploaded an image of my vehicle odometer to the loan portal. This image was taken on the same day as the loan application, and it has a date and time stamp on it. The loan agent ( XXXX XXXX ) also viewed the mileage image I had submitted and said it was acceptable. 

2 ) During the loan document signing process, I signed a DMV mileage verification form, certifying that the mileage stated is correct. This form carries legal consequences if the mileage information stated is false. I would never risk legal issues with the State of CA, by misstating my vehicles mileage. 

As Ive already provided Ally an image of the odometer, and well as signing a legal California DMV document verifying the mileage is correct, Im unsure as to what exactly Ally needs to verify vehicle mileage. And if verifying the mileage really was an issue, why would it come up nearly 4 weeks after the loan was approved, and Ive already made my first payment? I feel this has nothing to do with being unable to verify my cars mileage. It is just a bait and switch tactic on the lenders parts. At this point, the loan is not showing up on my credit report, and the previous lender for my vehicle has been paid off. My car and loan are in complete limbo. Please help. Thank you in advance for your help.
Consumer complaint received 2020-05-16
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)

Credit breau keep reporting old child support that is still in litigation since 2016 I do not owe this debt this debt is not settled in the Court of law. I did not sign a contract with Child Support and they can not produce anything with my signature stating that I'm responsible for such debt. Futhermore this debt was obtained by Fraud for I was not present when this debt occured. The Children that this debt is based upon are not my kids and I haven't neither do I attend to take responsibility for kids that are not mine. If this credit reporting agency continues to report this inaccurate information on my credit report I will be forced to take the next stept which is file a law suite in Federal Court because they are violating the fair credit act.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

XXXX - Chase ( Marriot ) and Chase ( Amazon prime ) credit card.

I call these bank asking for help during Covid-19 hardship to ask for interest rate reduction or forgiven during pandemic and they totally refused even with escalation to managers.

According to Chase, the bank is offering Covid-19 " help '' for customers which are having hardship situations due to pandemic.

However their help is looks more like an scam where they offer to deffer the minimum payment for three months without fees, nor reporting to Credit report agencies.

To my family and I, this is not acceptable and incurred in more debt since they denied interest rate reduction or forgiven in order to avoid more debt.

The scam is pretty simple, if customer don't pay the minimum payment and the bank charge interest over interest, any customer will in trouble worse than before.

This is unacceptable during Covid-19 pandemic specially knowing that banks such as XXXX XXXX and others offers better HELP by not charging fees and zero interest rate during families hardship than this Chase bank scammers.
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of fraud where my debit card got stolen and had chargers on the account. When I called the bank they said they werent fraudulent. When I looked at the place Of the transactions they were no where need my address. After this the bank closed my account took the XXXX and said we are no longer able to maintain your account.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

EQUIFAX is in violation of Title 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), of  the FCRA On Reviewing Credit File : XX/XX/XXXX, Confirmation # XXXX : 1 ) On XX/XX/XXXX, I discovered that XXXX - Card Services, # XXXX, had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

2 ) 1 ) On XX/XX/XXXX, I discovered that XXXX, XXXX, Late payment of XX/XX/XXXX, had been re-inserted into my credit file. Equifax is required to notify me within XXXXXXXX XXXX XXXX XXXX XXXX  of re-inserting a previously deleted item. I did not receive any such notification. 

On Reviewing XXXX XXXX : XX/XX/XXXX, Confirmation # XXXX, the above NEGATIVE information had already been removed. 

EQUIFAX had never notified me of any re-insertions per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), and is in violation. 

Also, Equifax is reporting that I worked for XXXX. This is wrong! I never worked for XXXX. 

STATEMENT OF DISPUTE : These items are inaccurate and misleading to potential creditors and employers. PLEASE DELETE.
Consumer complaint received 2020-06-30
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had my credit card ending in XXXX cancelled without any notice given on XX/XX/2020. I contacted customer service and spoke to a supervisor who said her name was XXXX, employee Id XXXX. She told me it was cancelled since I had not used it in six months. I asked her why I was not notified, even the courtesy of a phone call or email that it would be cancelled for lack of use, and she abruptly stated they are not required to do so. I explained to her that part of the reason for non use was due to COVID-19 but she couldnt care less. 

I told her I had {$35.00} in cash rewards on the card and she told me they had been cancelled. I asked her to reinstate the account and the cash rewards and she outright refused to do so. I ask her then to send me a cheque for the {$35.00} and she refused. I asked to speak to her supervisor and she refused, stating I could only complain to the bank president and only by regular mail. 

I have been treated in an appalling, disrespectful and insensitive manner by a bank who I had dealt with for several years and my account was in good standing. I would like the bank to reimburse me the {$35.00} that I legitimately earned. Fifth Third Bank is reaping millions of dollars by summarily cancelling customer accounts without notice and forfeiting their rewards. Any reasonable person would view this type of conduct repugnant if done by anyone, let alone a bank.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (AR)

On XX/XX/2020 I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XX/XX/2020 beyond 30 days and I haven't heard anything from XXXX, XXXX, or Experian in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.
Consumer complaint received 2018-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

{$180.00} dollars was stolen from my account when I agreed to pay said amount for concert tickets to a man online. When I payed this money, the man subsequently blocked my number, closed his XXXX account and I am now unable to reach him. I called my bank and tried to file a claim, but Wells Fargo denies to cover this, despite being a massive bank and being insured. The app is vulnerable to be used by fraudsters, and should be closed down, or accounts should be more closely tied to customer 's identities. The fact that XXXX openly acknowledges the absurd amount of fraud that happens on their application, but refuses to do anything just shows how they are violating the trust of the consumer.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

After activating a replacement citi mastercard that was about to expire, several attempts to use the card were declined. I called customer service but there is no personnel available to discuss the reason. I tried logging in online and saw my account was closed. 

This is the THIRD time in as many years that this account was closed in error ... due to some procedural dysfunction.
Consumer complaint received 2020-06-21
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. (NC)

I have items on my credit report that doesn't belong to me. Experian is reporting two XXXX XXXX cases and a creditor called XXXX XXXX that I have no knowledge of. I have sent 4 certified letters and they keep telling me that these accounts are verified. I asked them to give me specific information about these creditors which is the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. My records show that the first letter was sent out on XX/XX/2020, second letter sent on XX/XX/2020, third letter sent on XX/XX/2020, fourth letter sent on XX/XX/2020. Experian stated that these accounts are verified.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

To whom it may concern, I have been in this dispute with American Express Serve for the last 10 months. The problem with the dispute is I accidentally placed a charged on the original dispute form that I put online on XX/XX/2017. The charge was from XXXX XXXX. I did not mean to put that charge on the original form that I did online. I did however correctly put the charges that I needed disputed on the paper form that I faxed to American Express. Due to all the confusion and miscommunication American Express is punishing me for a human error on my part. The amount that I would be disputing would be XXXX, I would like you to please look over my case and see if there is anything that you guys can do to help me with this I'll be submitting a police report a picture of the original form that I did buy paper fax. Any help that you can give on this case would be great. I hate that I have lost my money due to me putting accidentally the wrong charge on the online dispute form by mistake.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 Paypal called me regarding a limited restriction hold they had on my account. They assumed money transfers were payments for items or services. I informed them that this was not the case. They questioned me about who was sending me payments. There was only two different accounts that transferred money to my account. I have had this Paypal account for over 10 years with no issues. To some up this situation Paypal has permanently closed my account with a balance of XXXX due to " suspicion '' of fraud. I am now unable to get access to my money for 180 days and this money is needed to pay bills in this current pandemic.
Consumer complaint received 2020-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capitol One reported a late payment that was directly caused by the Corona Virus pandemic to the Consumer Reporting Agency setting back years of work trying to fix my credit that will no doubt cause Hardship. 
I was laid off back in XXXX due to the Corona Virus, at this time I had never had a late payment with Capitol One. I missed my payment on XX/XX/XXXX for the first time directly because of losing my job to the Corona Virus. I ended up working with a friend making a small bit of money and tried to lower down all of my rising bills even the slightest amount and paid XXXX $ to Capitol One on XX/XX/XXXX bringing my XXXX and XXXX payments current even though at the time I could barely afford food to feed myself, but my XXXX payment was 35 days late and was reported on my credit report dropping it by an astounding amount of points. I was late again on XX/XX/XXXX still, I finally was able to get everything caught up and fixed on XX/XX/XXXX making a {$110.00} payment. I tried my best to contact capitol one to try and help me remove this late payment that reported to my credit agency. to no avail. I have never been late, nor will I ever be late at my own fault.
Consumer complaint received 2020-06-21
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. (AA)

I have XXXX disputed charges on my Chase Sapphire Reserve card : Unauthorized charges : 1. XXXX {$690.00} 2. XXXX {$690.00} 3. XXXX {$690.00} TOTAL : {$2000.00} Authorized charge : 1. XXXX XXXX {$690.00} ( I have already paid this charge ) Complaint : 1. I have disputed three times. 
2. The merchant has acknowledged that they mistakenly charged my chard four times for the same purchase. 
3. I have submitted documentation to Chase which includes an email from the merchant acknowledging that three of the four charges are mistakes. 
4. Chase has found the charges valid, even with explicit documentation from the merchant which says three of the charges are mistakes. 
5. In Chase 's resolution letters, no explanation is given as to why the charges were found to be valid. 
6. I am currently being charged interest on these unauthorized charges. 

Summary : I stayed at a hotel in XXXX called XXXX XXXX. When I checked out of the hotel, the employee used an app-based method to charge my Chase credit card. At first, it appeared the charge did not go through, he tried a total of three times. These charges appear as XXXX. 

When it appeared that all three attempts were unsuccessful, he switched methods and charged the card through a separate website -- this charge went through. This charge appears as XXXX XXXX. 

After looking at my transactions history in my Chase account, it showed that the three XXXX  charges did in fact go through. I was charged four times for the same hotel stay. The three XXXX  charges are mistaken charges, the XXXX XXXX is the correct charge and was already payed.
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

Universal Recovery Corporation has two collection accounts on my credit report. I have sent letters asking for verification of the debt and they refuse to order it to me. I have asked them to remove the negative reporting since they can not send me proper validation of credit to me, but instead state that they have it. One account is {$6000.00} and other account is {$470.00}.
Consumer complaint received 2020-05-23
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. (MA)

I had opened up a fraudulent dispute with Chase Credit Card Services on XX/XX/XXXX for a number of transactions that I did not authorize from XX/XX/XXXX-XX/XX/XXXX and also there were some transactions dated back to XX/XX/XXXX when my card was used without my permission. My card was not in my possession from XXXX-XX/XX/XXXX and neither at the time of XXXX-XX/XX/XXXX when it was used. Chase card services took almost 2.5 months to come back with a resolution and finally when they did, they selected a few transactions and mentioned that those will not be my responsibility whereas a bunch of others would be. I contacted Chase Fraud Recovery to challenge that, since that was not right and I should not owe this amount. They went back and reinvestigated and in 2 days made the same decision. They have never provided me receipts or backups to state what made them come to the conculsion. The decision was made solely on the scenario that since the card was used locally I was responsible for those transactions. I have since then tried contacting Chase Fraud Recovery for atleast 5 days without any luck. I want to get this matter resolved but Chase is not helping me, and they sent a letter stating that was the final decision and I owed them the money as per the card agreement and since I was in disagreement they notified the reporting agencies about that for the amount I owed
Consumer complaint received 2020-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NJ)

I am filing a complaint against the following law firm Rubin & Rothmann , LLC for unlawful practices such as wire fraud, mail fraud, and defrauding consumers such as myself. The above law firm has filed a civil suit against me for a default judgment on an alleged debt from XXXX  XXXX XXXX. 

Rubin & Rothman , LLC purposely sent the civil suit to an address, which is not my actual domicile. They sent presentments to an investment property that I previously owned and have been sold years ago. Due to this underhanded tactic a default judgment against me from the XXXX county Courts was honored. I consequently was improperly served therefore I was unaware such civil suit existed until months later. The XXXX County Courts however continued to move forward with procedures filed by Rubin & Rothman , LLC to garnish funds from my payroll account. I was never given the opportunity to answer the Civil suit in a timely manner subsequently why I am here filing an investigation against their unlawful practices against consumers such as myself. They claimed I owe an alleged debt with no validation that such debt exist or a signed original contract with my name displayed.
Consumer complaint received 2020-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I opened the Home Equity Line with Citibank because the my Citigold relation manager told me that there won't be any fee to close the account so it's good to open it as backup funding source. I trusted my Citigold relation manager and opened the equality line even I had no use to it. However, when I'm closing the account after many years to get refinance, I was charged {$320.00} to close the account. 

I tried to contact Citibank but I found that my old Citigold relation manager left the company and the new Citigold relationship manager does not reply Email. 

I tried to chat with the online support but they told me they do not service the Equity Line account. 

With so many attempt I could not reach anyone who can help at Citibank. And it becomes clear the Bank was not act in good faith when promoting the Equity Line product by providing false information.