davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MA)

I opened an account with Chime using the affiliate link of XXXX ( a.k.a. " XXXX '' ). I was supposed to receive {$400.00} from XXXX once Chime notified them that I fulfilled the terms of the offer, which was to open the account and make XXXX direct deposits over {$200.00} each within the required timeframe. I asked Chime on the phone whether they correctly saw my deposits as direct deposits, and Chime said Yes. However, XXXX told me the following : " Unfortunately, the deposits you have provided did not meet the specific Terms and Conditions required for the offer. As a result, Chime has denied credit for your attempt. ''
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (FL)

I have received innumerable telephone calls, and numerous letters, regarding payment of a " debt '' I have no knowledge of and no involvement with the alleged creditor. 
I have repeatedly told the debt collector I do not owe a debt, and remind them that IF I did, they acknowledge the statute of limitations has run ... so I would n't pay it anyway.
Consumer complaint received 2017-06-11
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: Incomm Holdings Inc. (AL)

On  XXXX / XXXX / 2017  I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.
Consumer complaint received 2016-12-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (AP)

Fay Servicing has engaged in unfair and improper lending practices by scheduling foreclosure on our property but has refused to provide the specific dollar amount needed to cure the default, thereby making it impossible for owner to make settlement to avoid foreclosure. 

Fay Servicing has also made no good faith effort to investigate owner 's contention that original loan was improperly transferred by XXXX XXXX XXXX ) since it was XXXX of the loans that was part of the National Mortgage Settlement between XXXX and the XXXX XXXX XXXX. 

Fay Servicing has engaged in false and misleading practices by failing to fully disclose all costs expenses and charges included in proposed trial modification, as well as full terms and conditions of permanent loan modification. Fay Servicing also failed to disclose that proposed loan modification would create a negative equity situation for the owner. 

Fay Servicing failed to fairly and properly evaluate owner 's eligibility for XXXX programs established to assist distressed borrowers, and instead insisted that lender 's proprietary loan was the only option available.
Consumer complaint received 2023-05-01
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: WELLS FARGO & COMPANY (DE)

Wells Fargo credit card - I bought a garage door and disputed the charge. The door does not close properly, does not lock, and leaks when it rains. I want a refund. I was XXXX by the company 's sub contractor.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association (CA)

New York Community Bank ( NYCB ) " cancelled '' our refinance because they would not consider my husband 's source of income, XXXX XXXX XXXX, as a bona fide source of income. 

This is very confusing and difficult for me to understand ; as well as very confusing to my husband. How can his VA benefits not be a bona fide source of income and not be considered? This strikes me as some form of discrimination since my husband is a veteran and his only sources of income are that which the VA provides. 

We are reaching out to the Consumer Financial Protection Bureau ( CFPB ) because we are having a difficult time, wrapping our brain around what NYCB is doing, which is non-sensicall. We explained the following to the CFPB : Our current loan ( mentioned above ) which we are seeking to refinance from NYCB recently adjusted to a Fixed rate of 4.0 %, to include P & I, for a monthly mortgage payment of {$2200.00} approximately. 

We were seeking to refinance to a 20 year loan ( we have only 20 years left on our current loan and did not want to extend the term ) at 3.25 % for a monthly mortgage payment of {$2000.00}. 

In the close to eleven ( 11 ) years that we have carried XXXX ( XXXX ) loans with you, we have never been late on the loan, we have always paid extra to principal, we have maintained exemplary XXXX scores ; in other words, we have had a PERFECT relationship with NYCB and have met our financial obligations for over a decade. 

Now that we need to refinance because the cost of the mortgage as well as the interest rate has increased considerably, you, NYCB indicated that, 1 ) the appraisal came in low, which we agree it did since our home should have appraised close to $ XXXX to $ XXXX, rather than the $ XXXX. However, even if the appraisal is flawed, even at the $ XXXX, we are seeking only 80 % Loan to Value, which NYCB should be able to accommodate, and 2 ) NYCB is " throwing out '' close to XXXX/month in VA Benefits which serve to pay our mortgage, car payment, meals, utilities, etcetera. Why in the world this is not " income '' which you can consider is beyond us. 

Keep in mind that we also paid off considerable amount of debt as requested by NYCB in order to consider our refinance. Even after we paid off the debt which NYCB asked us to pay off, we still received an unsatisfactory decision. 

In a nutshell, we are going to convey to the CFPB that : NYCB concluded that we can manage paying $ XXXX at 4.0 % interest rate, but somehow, we can not manage paying $ XXXX at 3.25 %. In an alternate world, this would make sense.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I initiated a dispute with Equifax. I filed a complaint with CFPB regarding Equifax not following policies and they refused to respond with the following statement : Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. However, I am not using a credit repair company. I have been dealing with Equifax for years alone. Previously XXXX account for XXXX XXXX was deleted from my credit file last month and then re added. There are XXXX listings on my credit report for XXXX XXXX. Neither of them should be there. Equifax sent me a letter stating their process which clearly has not been followed and I know the process. The XXXX listings are still on my credit report and need to be removed.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I enrolled myself in the U.S. Bank S.T.A.R.T program on XX/XX/XXXX and met goals XXXX and XXXX by XX/XX/XXXX. They sent out a XXXX $ reward for meeting reward # 1 in a timely manner but upon meeting goal # 2 on XX/XX/XXXX they have not sent out the XXXX $ reward. 

As per the terms and conditions listed in the S.T.A.R.T program " : Reward ( s ) will be sent to the primary savings accountholder within 30 days of goal verification. " It says on my account and via confirmation over the phone and over email that I have indeed met the requirements. 
To quote an email " Thank you for writing to us about not receiving your S.T.A.R.T. Rewards Card. Goal XXXX was met on XX/XX/XXXX ; however, your mailing address was updated on XX/XX/XXXX. Please contact Fidelity Information Services, our S.T.A.R.T. Rewards VISA Card vendor, at XXXX for assistance. Once the dialed, press 1 for English and your card number will be requested. Please stay on the line for additional prompts, and once prompted, select 1 to report a lost or stolen card. For your convenience, specialists are available 24 hours a day, 7 days a week. 


Sincerely, XXXX XXXX. 
U.S. Bank Email Operations Department '' I have contacted Fidelity information services twice on my own and twice with a US Bank representative and have confirmed that no card has been mailed out to my current or former address. I have made multiple phone calls starting in XX/XX/XXXX/XX/XX/XXXX inquiring on where the rewards card was. US Bank confirmed that I have met the terms multiple times but will not issue me the rewards card. On one occasion the representative claimed I did not meet the requirements even though I have multiple confirmations that I did as well as lied to me saying there were no managers to talk to and I would have to leave a message and they would call me back. Upon hanging up and redialing I got a representative that again confirmed that I have met the goals and after talking to a manager confirmed that I do qualify but they need to escalate it internally to determine what to do. 

I have been run around for over the past month and I 'm tired of being bounced around between US bank and their visa rewards card issuer. The representatives have been mostly nice with one notable exception but have been unable to help me at all. This should of been an automatic process and US Bank is not holding up to their end of the program terms.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IL)

I bought a 36 in grilled cooking station and it has not yet arrived to me and I have a feeling it was sent to the wrong adress this is very frustrating and sad. I demand a complete refund. I had to ask my boss to be off work today just to wait for that 36 in girl it is not very professional if that was the case. That my order got lost. I want a full refund. I waited all day waiting for my order to come thru the XXXX or register mail or even XXXXShipping but it seems like is not the order was track and it said it been deliver but it 's incorrect. It 's false. I want a full refund and hope that walmart undestands my concerns about it I never had expected this or experience my order to get lost. Not very professional now I have to go to neighbors houses to see if any body received my package or if it got stolen. Either way I want a refund. It 's not my fault or responsibility to be looking for that package I am stress out right now and so mad. I hope walmart does credit the 36 in grill back to me, and if I can recuerda it if I do find it the least they can do is let me keep that one if I do find it but I doubt it I will be going to places and ask neighbors to see if they receive it by mistake. This is very frustrating, so mad.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FTA Financial LLC (NJ)

In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on  XX/XX/2013    and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

On  XXXX   XXXX   2017 , I noticed that  an Amazon Chase Visa ha d been added to my husband 's and mine  account. I found this out as I was checking the balance of a credit card we have had for years with Chase (   XXXX   Visa ) - a nd all of a sudden, there were  XXXX  accounts instead of just  XXXX . We had never applied for this card and called  XXXX  immediatel y. Someone had fraudulently opened the Amazon Chase Visa card in our name on the exact same  da y (   XXXX   XXXX    ). Chase cancelled the card.
<P/>
Chase was helpful in cancelling the card, but when asked if they would contact the credit bureaus, we were told that was our problem. They opened a card without any information other than an old address ( from more than three years ago ) and an obviously fake email address, but we now have to fix the problem?    <P/> In addition, based on internet research, this appears to potentially be a  n inside job either by Amazon or Chase.
<P/>  I have put fraud alerts on both my husband 's and my credit reports with all the credit bureaus.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

I have applied for a HAMP loan modification that I clearly qualify for based on this criteria. 
1. Primary Residence, 2. I currently have an interest rate over 2 %, 3. DTI over % XXXX, 4. Underwater on Mortgage, 5. Hardship due to medical issues from an auto accident. 

Suntrust is dragging the process out by telling us we need something different every week or so and they are not returning messages even though they say they will within 24 hours. 

So now we are not paying our mortgage and they are forcing us into foreclosure which they will try to use against us later.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MD)

Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (NY)

I have been without a job for five months and I am trying to make ends meet, I have a counselor whom is trying to help me and the lender, 21st Mortgage, says that I can pay a lower amount for certain time but they keep sending me regular bills eventhought they are acepting the lower payment and I dont believe they are doing it in a good faith, my loan has gone thru problably more than XXXX servicers and there are a lot of things that are not right. They keep telling me that my loan can not be considered because I was in a 2008 bankrutpcy and I included the mortgage on it and I had a XXXX allready but, again, something wrong with this loan.
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CO)

On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (GA)

I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NY)

I did a credit card balance transfer from XXXX ( XXXX ) to Barclays Bank Delaware on XXXX/XXXX/16 for {$1100.00} the money was never credited to XXXX we were charged late fees from them and the worse part is that Barclays Bank deducted {$2000.00} from our checking account without our authorization ( I 'm attaching XXXX statement ) ( I did a previous deduction authorization on other credit card I have with them, but not in this XXXX ) and we do n't know the reason how they get to that amount ; now, up to today there is no trace of the payment made by Barclays and what is worst our money is still lost and we have to pay our bills.