davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OK)

Dispute XXXX XXXX Day Late. 

Discover Internet Payment Confirmation, XXXX Paid Confirmation Number XXXX, amount {$1400.00} Set to Draw XXXX to Pay XXXX. Discover Never Processed Payment! 

Facts. Discover autopay activated by agent recommendation the same day. Set up. XXXXetter received confirming autopay ( attached ). Discover cancels DirectPay same day, letter ( attached ) sent XXXX and received XXXX. Well after the XXXX due date. Interesting, we will get to this later. 

Now, listen to this. Per my last dispute XXXX they claim the following. " Since it was the second consecutive non-sufficient fund return with no good payment and both payments were from the same bank, we cancelled all future payments scheduled with that bank. A notification was sent advising you of the cancelled payments '' Cancelled ALL FUTURE PAYMENTS. Well ... lets dig into this shall we. 

Attached is my payment history using the same bank account to pay Discover. You know the one CANCELLING ALL FUTURE PAYMENTS. There have now been XXXX ACH drafted payments from account ending in XXXX and not a single one returned or removed. Why is that? Discover got revenge. 

Back to the Discover letter. I am coming up on the verge of having a XXXX late on my credit report. So important, an agent reaches out to me to initiate payment yet never discloses on the call I can not make payment from a certain account. It would not be accepted. Would this not have been pertain information to have at the time? Payment had to post and Discover puts a letter in the mail on XXXX. ( attached ) from XXXX XXXX XXXX to XXXX XXXX. Regular mail, that's XXXX business days. ( Attached ) This was their best solution? Huh... 

Why? Interesting fact is they have secure message since I am not enrolled in paper billing? That's how I received my enrollment for Autopay. ( Attached screenshot ) Could they have not initiated a secure message as an important better way to respond? Even by email this was received XX/XX/year>. Secure message would have given me plenty of time to speak with an agent. But what are we going to do now, set up a cash payment? 

Discover is wrong. I am seeking legal action.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

I have a free checking account with JPMorgan Chase since the late XXXX 's! I have always kept enough money in all my accounts as well as my brokage accounts to not have to pay a monthly checking account fee and to get my free checks all those decades! On this month 's checking account statement on page one in bold letters it states, We're updating some check related benefits for Chase XXXX XXXX Checking, beginning XX/XX/XXXX, we will no longer offer the following free check benefits for Chase XXXXXXXX XXXX Checking. Check prices vary based on the style you order!!! I have been getting very plain checks all this time and when I called their service line ( XXXX ) on Monday XXXX to ask the Chase rep to see if I would have to pay for the checks I normally order and she said, " Yes, it will cost you {$30.00} for only 80 checks!! '' No other explanation, no senior discounts, nothing more!! I told her I was very disappointed as a Chase customer for so long, and to send my complaint to higher management!!
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

My complaint is specific to Comenity Bank - Bread Financial : When attempting to pay a store card that is managed by this entity, it is exceedingly difficult to simply log into the account to do so. Each time, an error message stating, " The contact information you entered doesn't match our records... '' appears, despite all of the information being correct. Upon requesting a reset of the password as a workaround, the same message appears with instructions to call Customer Care. After calling customer care, a representative will advise they are sending a link, via email, to allow you to log in. After asking why a link is needed, the representative states the site ( which is physically listed on the credit card ) is not working, but the link will work. 
This exact situation occurred in different years ( XXXX & XXXX ) for different cards ( one for women 's lingerie store and the other for a sporting goods chain ). 
One might argue a payment could be made via the site without logging in ( XXXX XXXX ), however, this method does not allow the consumer to view charges and activity. In addition, the information regarding current charges is not accurate. I made a large purchase yesterday and today the credit line indicates I have used none. This is misleading to the consumer and could lead to overage on the card for those who are not careful. 

Having learned my lesson with this company, I will be cancelling this card effective immediately ( XX/XX/XXXX ).
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

I had a 72 month auto contract with Toyota Financial. After paying all 72 payments and some late fees they are claiming I still owe {$11000.00} and want it all in one lump sum. My maturity date was XX/XX/XXXX and since then interest has continued to accrue and it's showing my account is now 64 days past due and seriously affecting my credit. Last week I received a letter saying I was in default and if the entire balance was paid by XX/XX/XXXX they could exercise their right to repossession. Since XXXX I have contacted the company XXXX times and asked for a breakdown of how they arrived at this amount. They claim they have no way of providing such a breakdown and said that I should just take their word for it. Each time I requested to speak to a manager I was told none were available. To this day I have not spoken to anyone of authority.

I was granted some extensions during the 6-year loan term because of hurricanes & slow work times and not one time was I informed of how the extensions would affect me in the end. It was never discussed! The last extension was XX/XX/XXXX. 
My interest rate is 17.9 % and over the 72 payment Toyota has made over {$17000.00} in interest on a {$26000.00} loan. And now are wanting an additional {$11000.00} of interest!! 
Last month I sent a formal complaint the XXXX Attorney Generals Office Consumer Protection Division. They responded that they will contact Toyota and mediate and try to negotiate a resolution. I have not heard back in over a month.

I can not pay {$11000.00} in one lump payment. Within the last 5 days I have paid another {$1000.00} to them but it changed nothing. Still showing Im late and in default.

Being all added interest at 17.9 % I want to believe they would work out a negotiation with me but I can not get in touch with anyone of authority.

I was told that if a person has a 0 % interest rate, any extensions would not accrue interest either. So because my credit wasnt tip top I have to continue to be punished?

I went as far as emailing the CEO of Toyota, nicely explained my issue and asked for a response but never received any. 
Seems to me since I paid all 72 payments in full that Toyota could reduce the interest rate for the extensions since they have already made a ton of interest off of me!!
Consumer complaint received 2024-10-04
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Made aware of XXXXXXXX XXXX XXXX XXXX having fraudulent account open under my identification. Company stated that account was under my identification card but not social and could not provide information. However, XXXX XXXX XXXXXXXX, XXXX XXXX all have record of derogatory account. Can not open bank account with XXXXXXXX XXXX due to fraudulent account. 

Active fraud alert on all credit reports since XXXX No account authorized to be open. 

Updated police report below. Real social security number copy inserted as well.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (TX)

At first when the National Credit Adjusters were calling, I thought it was a fraud caller trying to get money from me because that had happened before. Even though, I have never given my personal information and the caller threaten me by saying he was going to call the police if I dont answer the questions. I never did answer.So, this is why I have ignored this claim from the XXXX XXXX XXXX. 

It was not until it began to show a debt in XXXX that I began to wonder on who had taken a loan under my name and when and where did this money went into and how can I prove that it was not me. My husband, rest in peace, kept on saying to ignore it because it was fake. So I did. 

After his passing, I looked again at the XXXX account and I noticed that the debt was still there so I decided to take action. 

I have sent a letter to the XXXX XXXX XXXX requesting documentation and proof that I have taken this loan that they have claimed I did. 

I called XXXX again today, XX/XX/year> and they suggested to go to the FTC and upload an identity theft report since I havent applied to this loan. I dont need a loan.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Investment Retrievers, Inc. (IL)

On XX/XX/XXXX I sent XXXX XXXX a letter requesting to validate the debt showing on my credit report. They never responded. I then sent a follow up letter on XX/XX/XXXX. Again I never received a response from XXXX. 

I attempted to dispute the debt on all three credit bureaus but they stated the debt was confirmed by them and would not be deleted.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I have two credit cards that I use daily. Both were working properly, and I made all payments on time without any late payments. On XX/XX/XXXX of this year, both of my credit cards were closed without any prior notice. I called customer service, but they had no idea what happened and just informed me that my credit accounts were closed. They told me I would receive a letter from the bank explaining why my accounts were closed. On XX/XX/XXXX, I received the letter, but it did not provide any reason for the account closures.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (FL)

I was never supposed to be primary on this loan. I made that very clear from the beginning. The lender & dealership were both predatory. I was acting as a cosigner only. I didn't discover until after the vehicle was voluntarily repossessed by the person i was cosigning for that I was primary and he wasn't even on the loan. 

This is now on my credit AND westlake is not licensed to collect debt in Florida according to the XXXX. I've disputed this to the XXXX CRAs and it still remains on my credit profile.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CT)

I was trying to transfer my money ( {$1000.00} ) in Marcus online savings account ( marcus by goldman sachs ) to an external bank account on XX/XX/XXXX, but they rejected my requested and then locked my account, saying that they need to verify my information and asked me to wait for a long time. I tried to know to the reason why they locked my account and the length of the waiting time for the review, but they refuse to tell me. However, my transfer from external bank account to Marcus was successful, which is ridiculous. I don't think they are trying their best to help me on that issue.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (DE)

This complaint is related to my previous complaint under # XXXX to which Synchrony bank replied, " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is a questionable statement to say the least and intentional fraud to say the most! Synchrony bank mailed me a check apparently planning that I would cash it and put myself in a very difficult position. Previous complaint was filed by my wife who was trying to shield me from troubles because I have XXXX disease, and any problem affects me deeply psychologically. But when the heck arrived, she could no longer keep it from me. Copy of the check is provided to this complaint.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (CA)

I created an account with XXXX to send money to my brother and mother located in XXXX. I completed everything as requested, attached my debit card and processed the transfer. It's been in pending until i received an email saying my account was closed and they do not have a reason to tell me at this time. This is the first time i have ever used their services. I do not know what could warrant this closure. I haven't been involved in any fraudulent entaglement at all under any circumstances. I called customer service numerous times and they said they can't provide a reason as to why this happened. Absolutely ridiculous.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

I opened a Lowe 's store credit card. After I made my first purchase, Synchrony closed my Lowe 's card and my XXXX credit account, which was also serviced by Synchrony. While the Lowe 's account hurt my credit from doing a hard pull and opening and immediately closing the account, the XXXX credit account was my oldest account and will have an even bigger impact on my credit score. Synchrony claims it closed both accounts as it believed there was a high likelihood I would not pay them off. If this was the case, they should never have opened the Lowe 's account in the first place. I have also never missed or been late on a payment with the XXXX account which was by far my oldest account being opened more than 12 years ago.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc. (CA)

XX/XX/year> company is sending debt collection notice for a parking ticket for no parking after certain hours with a license plate number that I don't know neither of my cars have this license plate number I think it's a scam I have no idea whose license plate number this pertains to but it's not me and I'm tired of them calling me three and four times a day and sending me mail for something that's not mine
Consumer complaint received 2024-10-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Back in XX/XX/year> I called my mortgage servicer to see what my options were for a hardship. I was soon going to be unable to make my mortgage payment of {$2700.00}. I had lost my job and had a decrease in income as a result. I was given about 3 different options but the option that seemed to suit best for me what a loan modification. The representative specifically told me ( on a recorded line ) to not make any payments during the loan modification process. I specifically as how this would affect my credit report. I was told that the account would become past due but that once the loan modification was agreed upon and complete that they would have any past due/late payments removed from my credit. They are showing that I am late in XXXX XXXX XXXX. Some of these months were months I was told not to make payments and others were month 's I was making a trial period payment of {$2500.00}. A loan modification was eventually agreed upon but the late payments have remained on my credit report. I have submitted several disputes to the tradeline on my credit report and I have reached out to the servicer but they have not removed the lates/past dues.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In around XXXX of 2023, a freeze was placed on my account for around {$1000.00} due to an unpaid debt that went into collections. That debt was repaid around XXXX of 2023. Since that time, I've called Capital One multiple times, as well as visited branch location, providing adequate paperwork proving that this debt has been paid. The debt collectors have also reached out to Capital One, providing paperwork and proof that this debt has been paid ( Capital One customer service has told me as much ). I was even told that Capital One 's legal department would reach out to me, which hasn't happened over a year later.

Despite the provision of such documentation, Capital One has, as of yet, refused to unfreeze these funds, citing a policy that they receive " paperwork signed by a judge '', which ( according to the law office handling the debt collection ) isnt something that is required ( or even occurs ) in the state of Louisiana. It's been over a year and a half since the debt was repaid, and I've been denied access to my rightful property.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize.

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.