davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (IL)

-- XX/XX/XXXX - asked to obtain a note from my manager to " prove '' I could work from home. Employment verification was completed but I received 3 requests to get a " note from my manager ''. 
-- XXXX - asked to get a document from the City of XXXX for a dect 6 years ago when I provided proof I'd paid the debt in full. 

-- XXXX - approved closed on the loan XX/XX/XXXX - closed on the loan but not sent my cash out checks not received nor a notice or option of how the cash out would be paid. Contacted Better to get clarity. 

-- XX/XX/XXXX - repeated requested the checks be sent made payable to me as the loan had been closed for 2 weeks and bills are due ; awaiting these funds -- XX/XX/XXXX - sent checks and made payable only to my debtors ; stated in loan disclosure form. Checks made out to my debtors with no way of debtor knowing I'm the payee. Payout checks are useless. 

-- XX/XX/XXXX - checks sent made payable to me and debtors ; banks refuse to deposit. Checks useless and loan funds have not been received to date. My debtors nor I have funds from loan closed on XXXX
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hunt & Henriques (CA)

Because I submitted a complaint and keep requesting for XXXX XXXX & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

Commenity Bank I was always pd ahead but had a setback spoke with commenity worked out a payment arrangement. They were to take funds from my checking account if I agreed then balance would remain stopped no late fees account would remain open and show in good standing. They would review account show in good standing as long as I stayed on plan. I have remained and held up my deal but they closed my account, increased my balance, charged fees and interest and the status is showing account closed by them and derogatory status. They continue to withdraw the agreed amount from the checking account. They also sent me deals to purchase which I have not done I have continued to pay as agreed but they have never followed their agreement. They need to either go back to last XXXX when this agreement was made show acct current quit doubling my previous balance and show acct in good standing paid as agreed OR quit withdrawing from the checking account and not applying to my credit card acct. thank you for your time
Consumer complaint received 2020-03-14
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

I never withdrew any money from those two checks that Chase cashed from my checking and saving account. I have more documents. I am not a trouble maker I want my money back. We are struggling financially. We have no car. We are walking to some places to get around XXXX TX.
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I traveled over seas and somehow my credit card information was compromised. I was not aware of the transactions until I returned to the United States due to the lack of internet service. I contacted capital one on many occasions trying to resolve the issues but I am unable to get the assistance I need. I have attached documents filed for identity theft.
Consumer complaint received 2022-03-25
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. (VA)

This is a complaint against timeshare XXXX XXXX. Everyone I've dealt with from XXXX all claimed to not work on commission. They told us that we're making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to XXXX me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They also enticed me, promising me rental income which according to them, I can earn through this timeshare. We were never properly informed about the fees ; they never made us aware of it. They never informed us how to cancel ; we were never properly educated regarding cancellation, like how many days to cancel and such. We were extremely pressured, they would not take " No '' for an answer. This timeshare only caused us stress and hardships. We were defrauded, lied to and took advantage of us.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (TX)

Mariner Finance issued unsolicited personal loan check in the amount of {$2500.00} dated XX/XX/2019. Check was mailed to my current address but intercepted by unknown party who then forged and cashed the check. I did not receive proceeds from check and Mariner Finance is now contacting me regarding installments due on loan. Police report has been filed with my county sheriff 's office and with Mariner Finance to dispute loan/debt owed.
Consumer complaint received 2022-03-25
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: AFNI INC. (FL)

Afni , Inc. 
XXXX XXXX XXXXXXXX, XXXX, IL XXXX XX/XX/2022, AFNI collections reported an account to XXXX and XXXX that was not mine. I never recieved a call or letter about this debt. This has happened before and somehow they keep doing this. MY credit was harmed and this is damaging. I do not understand with all the laws that this is allowed to keep happening. They do not seem to care. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

Have been a loyal good credit card customer with Citi Bank with a Mastercard for over a year. I have ALWAYS made my payments in a timely manner, and often I make SIGNIFICANTLY MORE than the minimum payments. I made a lump sum payment two days ago for {$500.00} off my credit card which has a limit of {$4000.00}. In response, Citi reduced my credit limit for making all my payments on time and being a great customer? 

I am at a loss. I attempted to contact Citi to work this matter out, but they refused. Please advise what other federal formal complaints I may file against Citi Bank as well for their heinous act of financial terrorism against a good customer.
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (IL)

In essence the following occurred : 1 ) I was misquoted a rate and time by a vendor business partner 2 ) The vendor pushed back the time to XXXX as he was at gym with another client or getting his own workout in. 
Vendor took close to 20mins to get ready. I was truly not going to quiver about that 20min lost tart assuming I had been given the a full 2hrs or at {$120.00} had been refunded. So since neither of those occurred and the vendor tried to justify the pay received and time Thus, Im now asking and requesting the full {$150.00} be refunded for non-performance, fraud, deceptive business practice on behalf of Cash App its parent Square Inc the Vendor and owner of the XXXX XXXX on XXXX Cash Apps need to pull money of the vendors card or account and refund me the {$150.00}. 

The cash App site leads you to believe that if issues arise that you can cancel / refund a payment and they give you numerous option However, Cash App never investigated they just respond that they are sorry and tell consumers they need to contact their Financial institution to resolve the issue and if you drill down far enough on the app you are told to contact Square Inc the Parent of Cash App I will be contacting my bank today XX/XX/20 Reason for Refund credit 1 ) The name of vendor is the same as the name of the vendor was using 2 ) No invoice was every produced 3 ) The terms of the engagement were not met I was shorted 30mins.

4 ) Vendor quoted me an hourly rate prior to engagement then tried to change his rate and terms the following day in an attempt to justify not refunding {$150.00}. 
5 ) The person booking the engagement was not the person performing the training .Cash Should act in Good Faith if they claim to have options to deal with issues A letter was sent to Square Inc on XX/XX/20 which consisted of exhibits and was a total of 56 pages please note a portion on that letter is attached
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened a 5/3rd Bank " Trio '' rewards credit card in XXXX. It has had a {$15000.00} credit limit, however the balance has never been more than {$9300.00}. On XX/XX/XXXX I paid the outstanding balance in full. This was so that I could lower my overall debt ratio and increase my FICO score to secure a new vehicle loan soon. 
On XX/XX/XXXX, 5/3rd Bank charged my account with an interest charge of {$3.00} without my knowledge. I never received a statement notifying me of this new charge, or new outstanding balance. I received no paper statement, electronic statement, email or phone call. Nor did I receive any notification that the {$3.00} had become past due on XX/XX/XXXX. 
Over the 8 years of using this card I have never once made a late payment or become delinquent. I have never been late or delinquent with any of my other credit card accounts or loans. I was only notified of the {$3.00} charge when I was alerted through my XXXX subscription that my credit score had changed on XX/XX/XXXX, due to a delinquent report by 5/3rd Bank for this outstanding {$3.00}. 
I attempted to resolve with 5/3rd Bank by speaking to two different supervisors. I explained that I was not aware of the charge, and that I would have paid if I had known. Their " system of record '' shows a statement was mailed out to my home address, however I never recieved a statement. And they refuse to acknowledge this or investigate why I never received a statement, and advised there is nothing they can do since their system says a statement was mailed. 
I am filing a complaint given the deceitful manner 5/3rd Bank applied interest charges to my account without my knowledge, then took negative action against my credit report. 
I am considering legal action as a violation of Regulation Z, and that I never received a statement or communication of this charge by the bank. Further, I am now unable to secure a new loan with the interest rate I needed because my FICO credit score was significantly lowered due to this deceitful delinquent report against me.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DC)

I was shocked when I reviewed my credit report and found late payments on the dates below : ( ALLY FINCL - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AL)

I filed a dispute on XXXX for hotel charges that were made in violation of the cancellation policy that I was provided at the time I booked the room. I was told to file this dispute by XXXX because they were unable to get the hotel that I made this reservation with to refund the money they charged when I didn't actually stay in the hotel. I was held to the policy that was only provided to people who booked directly on that particular hotel 's website, but even under that policy I should have gotten most of my money back. Per that policy I was supposed to get a refund for the nights that they were able to rebook the room, I checked to see if the room was available after I checked out and it said it was sold out. I provided a lot of evidence, including all the emails and screen shots that I took showing both policies and the fact that the room was rebooked. Simple did not appear to review the information I provided and instead went by what the hotel told them. They did refund {$110.00}, which they say was for two nights, but they still owe me {$700.00} per their cancellation policy. I just want simple to review my documentation before they close out my dispute.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NC)

I applied for a mortgage loan with Loan Depot. I have a series of e-mails with Loan Depot 's representative assuring me that the payments could be made bi-weekly. After closing, Loan Depot is unable to set-up bi-weekly payments. I was first told it would be a few weeks, then up to 90 days, and today, speaking with Loan Depot 's VP, Customer Experience, XXXX XXXX, I was told that she could not give me an outside date for when Loan Depot would be able to set-up bi-weekly payments. Loan Depot 's voice mail system states that correspondence is monitored, but VP XXXX is not able to access historical emails or phone messages. I was required to send her the correspondence with her company. Her resolution was that she could apologize to me and better train her staff to provide non-fraudulent information. She also advised that although her title is VP, she is the highest officer at Loan Depot who can be reached by the public/customers. All of the President 's correspondence is funneled to her. She could not resolve the misrepresentation made in multiple emails by the employees of Loan Depot. Loan Depot 's voice mail message states " we strive to provide the best possible customer experience ''. This is not what I have have experienced. I would never do business again with this organization.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC ()

Account is currently frozen and Im unable to do anything.Have sent what requested and since 10 days no update I Have seen their XXXX, I'm shocked!!. What does it cost to hire cheap external agents to handle customers ' requests and build their reputation? I don't understand how a business owner can play like this with its money by handling customers like this and in A SUCH SECTOR??! Pfff one week for a frozen account, and as I see it's fully normal with them??!!! I'm using other cryptos platforms like XXXX and XXXX  too, and it's another world in terms of customer care. Frankly, Have never seen a website treat customers like this, again I'm shocked.If I could turn back the time I would never deposit to Gemini, I wouldn't even register. 
XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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. (FL)

Fraud / Identity Theft 4 Accounts opened fraudulently Confirmed that all accounts were opened and approved completely online/ not reviewed by an actual person XXXX XXXX ( Personal unsecured Loans ) # 1. {$15000.00} XXXX Opened on XX/XX/XXXX Payment made : {$430.00} XX/XX/XXXX # 2. {$12000.00} XXXX Opened on XXXX XXXX XXXX Payment made : {$360.00} XXXX XXXX XXXX - spoke to at XXXX XXXX XXXX XXXX XXXX XXXX spoke XXXX XXXX # 3. XXXX XXXX Opened on XX/XX/XXXX {$9000.00} ( Personal unsecured loan ) ** keep sending me emails to prove this loan is not mine requesting time sensitive requests otherwise threatening to legitimize the debt ** customer service unable to transfer me to fraud dept. via phone # 4. XXXX XXXX XXXX ; now XXXX XXXX out of XXXX XXXX, FL Opened XX/XX/XXXX Routing # XXXX Account # XXXX ** Used phone number ( XXXX XXXX ) & email address that is not mine XXXX - ended up on my credit reports XXXX Used old address to send bank statements XXXX XXXX XXXX, XXXX, FL XXXX Where I have not lived for 9+ yrs Used fraudulently obtained bank account to deposit loan funds, and transfer monies to other accounts held by perpetrator All personal loan companies have continued to re-report the illegitimate accounts to the credit bureaus Equifax XXXX XXXX XXXX Security freeze/fraud alert Conf # XXXX
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (CA)

I was recently disapproved for SCRA benefits under the key provision state of Ohio. My state of residence can be verified on my LES which is attached.

This is wrong. The law explicitly states that Ohio extends the 6 % interest cap on all debts and that a person or entity who knowingly charges a service member interest above 6 % in violation of the act shall be fined under 18 U.S.C. 3571, imprisoned for not more than one year, or both.

I contacted my attorney general for the state of Ohio as this is my home of record and the state that I am legally covered under concerning all laws relating to SCRA. SST returned a denial to the Attorney General as well. That denial is attached.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Good Day, I started college in XX/XX/1994 and went on to get several degrees afterward at three different schools ( XXXX University, XXXX University of XXXX, and XXXX ). Navient is my servicer and every time I have requested that the payments be lowered because I have XXXX children, a mortgage, a full-time job, and taking care of my unemployed mom, they have always pushed me to forbearance, which increased the amount I owe. As of today, I owe {$170000.00}. I think that is ridiculous, as I have paid that amount and more in loans over the years. I have been able to do little to put a dent in this because Navient is committed to making sure I pay until I am XXXX years old. I require assistance. Thank you.
Consumer complaint received 2020-01-10
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: Innovis (UT)

New issue Requesting from Innovis to provide what verification from XXXX  documentation that complies with the laws under the FCRA. You continuously have stated you verified this debt but have failed to provide what documentation was provided. I am requesting that verification to be provided to me otherwise please delete promptly this information off of my consumer record immediately.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (KS)

I field my 2018 Mo. Taxes with tax act. I was supposed to get my Mo taxes on a American Express serve pre paid car. 
Well I still have not received a card with any money on it.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I used my Citibank check to deposit {$5000.00} into my own XXXX  XXXX XXXX account on XX/XX/2019. Later on Citibank returned the check resulting in XXXX XXXX XXXX closing my account citing suspected fraud activity, and charging me {$24.00} returned check fee. I have enough funds in my Citibank account, and Citibank told me I have not activated the account feature to use the check. I have never been told of this feature that needs activation, even when Citibank sent me the first box of check. So I think I was not fully informed of the details of this account, and Citibank should be responsible for this chaos.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX  Balance Owed : {$44000.00}.