davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Convergent Resources, Inc. (CA)

XXXX XXXX- is VERY AGRESSIVELY, and TOO AGRESSIVELY attempting to collect on the debt that is not mine in first place. I contacted XXXX in XXXX as soon as I saw this collection on my credit report. XXXX could NOT find any negative accounts in my name.. I still have my phone active and in current status with them ... In XXXX I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house ... this is outrageous and should not be allowed. please help me stop these XXXX!!! I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!!
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

Tried to close account. Hold was placed on funds. Requested that funds be transferred and account closed after hold ( ten business days ) was lifted. Fourteen days later, account was still open and funds had not been transferred. As of this morning, I can no longer access my account online, and funds have still not been transferred.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and Navient. These schools took out loan amounts that were more than the cost of school. 

Navient keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have worked with Wells Fargo extensively without any success. They are forcing me to escrow funds for flood insurance even though I was personally billed and have paid my flood insurance until XX/XX/XXXX and my mortgage is paid until XX/XX/XXXX. I would like Wells Fargo at a minimum to suspend collecting escrow funds as the policy as between current policy expiration date and escrowed funds on hand the policy is paid until XX/XX/XXXX. Ideally, I would like them to terminate the escrow account with me accepting responsibility for future flood insurance premiums. I have spoke with several agents within Wells Fargo and they seem clueless as it relates to policy and mortgage obligations. The most reason assessment was that its the bank policy to keep any funds they collect via escrow for 12 months, when I asked if this was permitted and agreed to by the parties under the mortgage agreement they were unable to confirm that was the case. I have not entered into any agreement directly with Wells Fargo, my mortgage was originated with XXXX XXXX XXXX, who sold the mortgage to Wells Fargo.
Consumer complaint received 2023-05-08
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 (CA)

Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was banned immediately after I registered for it. As a first-time user of the service, I am confused and concerned about the reason for this suspension. I have not had the opportunity to engage in any activity on my account, and I am not aware of any policy violations or suspicious behavior that would justify this decision. 

I would like to request that my account be reinstated and that you provide me with an explanation for the suspension. As a new user of your service, I was looking forward to exploring the benefits of PayPal and using it for my transactions. This sudden suspension has caused me great inconvenience and has left me with a negative impression of the service. 

I kindly ask that you review my account and provide me with a clear explanation of the suspension. I am eager to resolve this issue and continue using PayPal in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

I have Lowes Synchory card. I made one purchase of XXXX in XXXX and had a choice of 10 % off or no finance charge. I made another purchase in XXXX for XXXX and took the 0 % interest for 1 year. Even though the 0 % balance promotion was not up until XX/XX/2022, each time a made a payment, lowes would divide my payment between the two balances instead of putting full payment toward balance that was being charged an interest rate. The statements is 2 pages front to back of small writing and is very difficult to see this notification that says if you want your payment to go toward a specific balance you have to call with every payment. 
As a consumer, I feel this is very unprofessional and an attempt to bait and switch to make sure they get you for some finance charge. It is a terrible practice is a dirty trick to play on consumers who mare making purchases in your store.
Consumer complaint received 2018-05-25
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018 I received an email from Chase letting me know that their airport lounge benefit would be changed from free admission for me and my family members traveling with me to just 2 guests. I have more than 3 people in my family and therefore I will be charged for my family members to use the airport lounges. I specially signed up for this card for this benefit. I paid a {$450.00} annual fee in order to use this benefit when I travel with my family. I barely had the card for 2 months and now Chase is playing classic " bait & switch '' by changing the benefit after they took my {$450.00}. I called customer service and they offered no resolution other than saying " sorry ''.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I attempted to send a plumber {$200.00} for a job he did for me on XX/XX/XXXX. He told me to send it to his girlfriend since he did not have Paypal. I did and in the comments field I mentioned his name so I would remember what it was for. Transaction ID : XXXX Paypal put the payment into pending status and requested I provide the plumber 's date of birth due to regulations they have. I asked the plumber but he refused to provide me proof of his DOB. At this point I explained this to Paypal numerous times that I could not provide this information and asked to just have the payment cancelled. They always repeat that they need this information and the case can not be closed until I provide the information. The Paypal website mentions case reviews as taking 30 days maximum but I have been waiting 99 days now. I have no other recourse to get my money refunded. Please help. Thank you.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (FL)

XXXX told me that they tried to bill my car insurance instead of my health insurance. And since they messed up its too late to bill my health insurance and i have to cover it. 
I feel : No. I do not owe it. If they didn't bill it properly thats their fault not mine. They can bill the insurance or erase the debt. Either way it needs to be removed from my credit report. It is not my responsibility.
Consumer complaint received 2018-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (CA)

The lender obtained an invalid and unreliable " drive-by '' appraisal. I submitted my dispute in line with the request for appraisal reevaluation with information that was ignored and not included in the appraisal information, including but not limited to exterior improvements including windows and photovoltaic systems. The `` drive by '' inspection involved old photos taken from prior MLS online photos and no actual drive by inspection was completed. The Appraisal was disputed with accurate information of similar property types including recent sales of actual comparable properties within 60 days. Discover advised on a daily basis for more than 3 weeks that their service and processing centers were so bombarded with applications that processing and underwriting have been severely delayed. when the final appraisal dispute finally came back, I was advised that Discover 's own managers who specifically handle appraisal disputes had made the decision internally to reject relevant data. Additionally, in good faith, a separate and independent full appraisal was completed and they advised that that was not taken into consideration, even though the dispute was presented in compliance with the requirements of the Dodd Frank Act and Appraiser Independence Requirements. Discover, by means of its employees and training practices has proven itself not to be in compliance with the Dodd Frank Act and as a result, my application has caused my credit score to be affected as I agreed in good faith for them too pull my credit.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My claim was denied & case was closed with no valid reason. I was a victim of fraud and my information ( debit card ) was skimmed and copied including my PIN number. 
I initially opened the claim over the phone on XX/XX/2018 the instant I received the alert of my checking account with Chase being below the threshold alert set. I then logged onto my account and saw that my account had various fraudulent transactions of funds being withdrawn at a local Chase Branch in XXXX, CA where I reside. After totaling up the amounts I was at a loss of {$1000.00} and overdraft protection transfer from my savings account. Once the claim department opened my claim, I was advised to go in person to the nearest branch, to have some paperwork sent to them and for them to fax over to them. I was out of town at the time of the incident, nearly 300 miles away from home, where these withdrawals were made on XX/XX/2018 on XXXX XXXX XXXX Chase branch. I went to the Branch in XXXX, Ca and I have proof of my whereabouts as I have receipt of the XXXX ride I used to transport me to the Branch located on XXXX XXXX XXXX. 
I have complied with all the documents, and closely have been monitoring this claim. To my surprise it was denied and closed and was told over the phone there was nothing else I could about it at this point. I find it unfair that the FDIC is not covering my loss over fraudulent activity, and I am hoping I get my money reimbursed into my account as quickly as possible. It has been 5 business days since the incident, and nothing has been done in my favor but rather I am getting the run-around all over within the branches and over the phone. 
As a customer, I hope something is done to resolve my problem and find a resolution. I have filed a police report, as I am not the only customer who this has happened to this past weekend. Numerous complaints/claims have been opened as there is a fraudulent skimming ring happening in my city, and I am sure that Chase is aware of this situation. If this is not resolved in a timely manner, I will then have to find an alternative route to have this matter resolved. 
I can not be waiting around for long, as I do have bills and cost of living expenses that need to be taken care of and it is unfair I am not getting a provisional credit while the investigation is being made. I do understand that these things take time to investigate, but at this point I am seeking immediate help to get this case taken care of and have the money placed back into my account.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (CO)

I lived in campus housing my senior year in college. Upon graduation XXXX XX/XX/XXXX ) I closed my XXXX XXXX account. Due to Covid all XXXX retail offices were closed so they asked I transfer the equipment to a roommate who opened a XXXX account to continue internet for the house. I contacted XXXX three times to make sure everything was closed out because I was leaving the country on a XXXX Scholarship to XXXX XXXX, XXXX never tried to contact me concerning any issues. They have my address, phone and email. 

While visiting the U.S. ( XX/XX/XXXX XXXX for a Covid vaccination, I received a text message from CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX stating that I had been sent to collections for the equipment for {$64.00}. 

I was never contacted by XXXX nor Credit management until they sent me to collections and entered a negative entry on my credit report. 

I contacted XXXX, and after talking to 6 different people, the issue was fixed but they said they could not remove the negative comments on my account. They wanted me to file a dispute with each agency instead.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENOVA INTERNATIONAL, INC. (UT)

I utilized a debt relief company to settle with this company as I knew there'd be no way they would be reasonable dealing with me directly. I wasn't up for fighting and arguing with them. I purposely used a co. that makes monthly payments as opposed to the scam operations that just keep taking your money while further damaging your credit and creating too many other problems. I spoke to the collections dept. at Net Credit last year when they sent me a conf. email that they'd received a pyt. Highly unnecessary as I already know when the payments are being made because I'm making them to the debt relief co. monthly. 

The conversation I had with them entailed when they would show the debt paid off & settled. They told me 60 days after the payment posted. Well they were paid off on XX/XX/2021, well past 60 days. Yet the account hasn't been updated at all on my credit. I am demanding that they do as they promised verbally and update the account. If they choose to ignore this request I will push to have it removed from all of my credit permanently because the info reported is in fact incorrect! It had better not take another 60+ days to do so either. 

They need to do it now, they didn't cut me any slack when they shamefully refused to charge off the debt, continued to charge me interest monthly to the tune of over $ 13K! So I'm not cutting them any either. I will force them to remove it from my credit or sue them if need be. Their choice!
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

My spouse tried to use the refer a friend link I shared with her to open a new account. Upon opening of this account, I was promised 7,500 Delta SkyMiles. The link was not working properly. We contacted the bank and were told to " delete our cookies and refresh the webpage and reapply ''. We follow these instruction, however the Skymiles were never awarded as promised. I have reached out to the card company many times, however, they are unwilling to resolve this problem and deny any errors on their end. At the end of the day, you have a customer who opened a new credit card, and then several weeks later, his spouse opened a new credit card and these folks refuse to add about {$75.00} worth of airmiles to my account. This company is worth billions and they can't resolve this simple dispute and take no ownership. We did what we were told to do. We deleted the cookies and refreshed the webpage and reapplied for a line of credit and these points should have posted to my account as promised. They got what they wanted - a new customer ... But I didn't get what they promised - 7,500 Delta SkyMiles.
Consumer complaint received 2021-05-31
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC (CA)

I began processing my application for a Reverse Mortgage with Longbridge Financial in XX/XX/2021. Because my condo development had not yet gotten the FHA approval, I filled in 5 pages for FHA and in XXXX, their underwriter accepted my home for " single unit FHA approval. '' However, in XXXX, after my loan package was complete, the agent ( XXXX XXXX XXXX ) advised me the underwriter rejected it, saying " FHA/HUD will not finance on a condo if there is any late payment in previous 60 days. '' -- unlike SFRs, for which they make an exception! 
I asked about FHA but the Longbridge underwriter did not talk to them. She just had to reject my loan based on this highly unfair rule. 

1. A reverse mortgage does not require repayment, so why would payment history be important? Why are condo owners any different from SFRs? It's all payments! 
2. Their risk is limited by the loan-to-value ratio anyway. My condo comps at XXXX and I only owe XXXX. 
3. I am single, nearly XXXX and extra income ruined by COVID. I'd never been late before or since the couple months I had trouble paying the total mortgage amount. 
4 It was good I bought the condo, but if I can't do a reverse mortgage, I will be living in serious poverty while sitting on/in over {$130000.00} in equity! How is that possible? 
5. Someone in FHA policy-making/enforcing must have a heart enough to see how terribly unfair their rule is considering what I have said. I need to be an exception ( COVID hardship ) or the rule needs to change -- or both!
Consumer complaint received 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

False Information On My Credit report, i never had sprint in XXXXXXXX XXXX XXXX i Reached out for the information to be provided, They never provided the information. I demand this be deleted off my credit report within 30 days.
Consumer complaint received 2023-05-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I am writing to communicate the lack of honesty and professionalism I have received from Bank of America ( BOA ). On XX/XX/XXXX XXXX the was a fraudulent charge on my account for {$9100.00} in which I did not authorize by any means. I immediately reported it to the fraud department and they temporarily credited my account for that charge while they performed the investigation. On XX/XX/2023 the same merchant who made the fraudulent charge on my account credited my account for the {$9100.00}. When I noticed the credit I contacted the ( BOA ) and asked why that merchant had access to debit and credit my account without my authorization. The answer I received was that it was part of the investigation and that the temporary credit they had issued was going to be charged back since the merchant had already refunded the charge. It did not sound convincing to me but the funds were back into my account so I assumed it was all good. Shortly after I received a letter from BOA claiming that after their investigation I was the one who made the charge. I was very disappointed and felt accused of being part of a fraud. I went to the local branch and they told me there was nothing they could do to help, the only thing I was able to do was call the fraud department. When I called they told me they were going to clarify that and re-opened the case for further investigation. Then on XX/XX/2023 I received another letter stating the same unfair and disrespectful decision that I was the one who made the charge. To make matters worst now I see on my statement I am being charge interest rate fees on that fraudulent charge. Today is XX/XX/2023 and I called to dispute this and they keep on saying that I am responsible for that fee since I was they one who made that purchase. I am sincerely out of words and extremely disappointed.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Experian and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this XXXX XXXX verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like Experian, XXXX and XXXX are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Consumer complaint received 2024-08-10
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. (AZ)

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.