davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

On Sunday, XX/XX/XXXX, I visited a XXXX 's restaurant for a late dinner. After eating the dinner, I realized I was XXXX XXXX   being very ill that evening with XXXX  and XXXX XXXX XXXX. I called the next day to inform the restaurant manager who referred me to his regional manager. The regional manager called and left me a message and I called several times to follow up leaving messages but never receiving a call back. On Wednesday, XX/XX/XXXX, I called my credit card company to inform them of the issue and they told me that they will place a hold on the charge and review it and to call back 4-6 weeks later to follow up. After calling back 6 weeks later, the same credit card company told me that they don't have any dispute on file, that they do not permit their card holders to dispute anything against restaurants and hotels and there is nothing they can do for me. In fact, they only repeatedly stated that if the " service or product can not be returned in the same condition that it was provided to the customer, that no dispute is permitted and the credit card will not act on my behalf ''. I informed them that this is contrary to the card policy in their attempt to recruit me as a customer - that they do protect their card holders from purchasing issues. Obviously, any serious issues from hotels and restaurants are not protected. For the service industry where there is high variability in quality and for those instances where a customer has been delivered compromised food and/or service, this policy does not protect consumers and rather gives little disincentive for restaurants to deliver sub-quality products/service knowing that there are no consequences.
Consumer complaint received 2020-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.
Consumer complaint received 2017-08-03
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. (TX)

I have my loans serviced with Navient Incorporated. They would not work with me to give me income based repayment. Instead they gave me the option of graduated repayment. There was also a time last year where I could not make a payment and they encouraged me to take a forebearance. I know have more interest and my overall balance is bigger.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I tried to apply for a loan for {$3000.00} with a company call XXXX XXXX I gave them all my info and they sent me a code from Bank of America to verify my account with them and {$2400.00} was posted to my account the next day. They company told me to sent it via cash app so they can make sure about me making payments. The money was sent and I never hear from them again. XX/XX/XXXX I get an overdraft for {$990.00} and Bank of America said I filed 3 claims and they are collecting their money back. So this company went into my account a file 3 fake claims and thats where the {$2400.00} came from.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/year>, Ally Financial mistakenly applied a payment of {$2400.00} to my auto loan account. The payment did not originate from me, but the funds were used to release my repossessed vehicle. Ally later corrected this error by removing the payment, which left me with a balance of {$2400.00}, along with additional repossession fees of nearly {$500.00}. 

I promptly contacted Ally about this mistake, which caused significant financial hardship. I incurred additional fees due to their error, and despite multiple requests, Ally refuses to refund the repossession fees that arose from their mismanagement. 

In addition to this, my interactions with Allys customer service have been extremely unprofessional. I have been verbally abused by representatives, hung up on during calls, and my requests for escalation have been ignored. These issues were not addressed adequately by Allys management, despite several requests for a formal investigation. 

I requested a review of my loan agreement due to the stress and financial damage caused by Allys errors, but they refused to consider any adjustment or termination of the loan agreement. Ally insists that I am fully responsible for all charges, despite acknowledging their error in the misapplied payment.

This entire situation has caused me significant financial and emotional distress, and I am seeking a full refund of all repossession-related fees, as well as a formal review of Allys practices.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

We purchased a home in XX/XX/year> for our new primary residence, it needed some interior work, COVID was still in full swing so there were permitting challenges, supply challenges etc. and so we weren't able to move in right away. 
Over the next 18 months, our mortgage was sold 3x with various paths of autopayments etc. During the transition between what turned out to be the last sale to the current servicer ; Carrington Mortgage Services and the previous servicer XXXX we paid the wrong mortgage owner through autopayments - XXXX, but set up all correct payments moving forward XXXX, XXXX XXXX etc. What we didn't realize from our statements was, Carrington was considering this XXXX payment as missed and instead of our monthly being the same as it had been- we needed to pay double one month to catch up from XXXX. This wasn't part of our auto-payment set up either. So as far as we knew, we were all caught up until our banking Credit alerts went crazy with a drop in scores. All previous servicers were e-comm but Carrington was sending letters to a house that was empty because COVID/interest rates/supply chain/ continued to hamper the remodel efforts. We immediately paid the difference and requested a review of the situation with letters, faxes etc to their remedy department to remove the late payment because we believe we were within out window granted by mortgage sale and we don't believe we were effectively notified by XXXX or Carrington.

Our credit score has been hammered by this one missed payment which we believe was paid in good faith and within the 90 day window. We would like it removed from our score.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc 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 XXXXXXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (IL)

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 studying 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 2 out of 3 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 2017-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue
Consumer complaint received 2017-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america account was hacked in the amount of XXXX and XXXX on X/XX/2017. The company refunded the funds, however refused to assist in further resolving our issues. They cancelled our card and froze our account, rendering our accounts unusable, forcing us to pay a few bills late. The customer service representative was combative and less than courteous when we asked her to not cancel our card until after we made our bill payments. She continued to cancel our card before advising us she was going to do so, then continued to tell us that the card had been cancelled AFTER doing so.
Consumer complaint received 2017-08-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX I received an email about my account. XXXX account created but not funded. Please log in to your account to get started saving money with
Barclays market-leading rates. If you have any questions, please call Barclays Customer Care
at XXXX. We 're here to help you, seven days a week from XXXX to XXXX ET. Or, you can always manage your account online at XXXX. So I called and went through all my security questions later received emails that it was a change to all my account details of person information. A lady goes by the name XXXX  gets on the phone calling me a fraud saying that they only do business with financial institutions she stated I 'm not a financial institution I agreed that I 'm a financial institution I have a check book that says so. She stated that I 'm a scam fraudulent hurt my feelings all I wanted was to invest in my son and daughter futures. She hangs up on me I called back she said that she ca n't talk to me. how am I a fraud my account was closed unlawfully because 42U.S.C SECTION 1983 I believe that they are stealing accounts from the minority please help me resolve this issue
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX  this situation has put me under.
Consumer complaint received 2017-08-03
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: JPMORGAN CHASE & CO. (AZ)

My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

This number has called my phone everyday 5-7 times a day for the past few months. They claim it is Macy 's creditors. I have never had a Macy 's or Bloomingdales credit card or account. I called them back and they said they would take my number off the list but yet called me back the very next day. When I answered they were looking for a different person. I DO NOT APPRECIATE THESE PEOPLE CALLING AND HARASSING ME EVERYDAY, 5-7 TIMES A DAY EVEN IF IT IS THE WRONG NUMBER!!!!!! For months I did not know who this was because I was scared to answer my phone and they would never leave a message. If they would have left me a message the first time I would have called back right away and told them they had the wrong number BUT since they did n't leave a message I have now been repeatedly harassed several times a day for MONTHS!!!! The numbers that have been calling me are ... XXXX XXXX XXXX XXXX Those are just a few, I have blocked others
Consumer complaint received 2017-08-03
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. (PA)

This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... XXXX & EXPERIAN. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & Experian remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... EQUIFAX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have Equifax & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..