davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (TX)

This debt is a business debt associated with a company I sold many years ago. I am no longer part of it and haven't been for a long time. Both my son and I personally signed for the line of credit many years ago but neither of us have the ability to continue paying almost $ XXXX. I am XXXX XXXX XXXX and this bill is more than my social security income by itself. We have brought this to the attention of Chase many times to try and get some relief from this exhorbitant payment to no avail. They won't modify, change or alter the terms at all and it is absolutely going to force me into bankruptcy. We can afford to make payments but almost {$2200.00} is more than 50 % of my household income ( my wife gets SS as well ) but we have a house and live modestly ( no car pmts or anything ). This is going to cause us to lose our home soon because we can't keep up with these payments. We're writing to ask for some consideration to alter the payment schedule or the terms to allow us to not go into financial ruin because of it. We've not missed a payment but that only is because we are honest, trustworthy people. You can see our tax return and see exactly how much we make- it's a nominal social security living - we've already burned through all of our savings trying to keep up with this payment. Please help.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

I did my due diligence and confirmed that the US Treasury check I was about to receive was within my daily deposit transaction limits which it was. I confirmed that it would be okay to deposit if it was made out to both me and my husband and followed their instructions to take a photo of the front and back of the check, make sure both parties endorsed it and wrote in large bold letters per their instructions FOR DEPOSIT TO CHIME ACCOUNT ONLY within 30 seconds I received an email stating that it was rejected. I reached out via chat and by phone and everyone I spoke to said that everything was perfect and there is no reason the system should have rejected it but gave no resolution other than the call the IRS for a new check. This is a matter that I have worked to dispute for over two years and now I have a check for nearly $ XXXX that is in essence worthless. Every single person I spoke to said that I had no other options and said if I tried to deposit it again I would be blocked and shut down which I cant afford to do because this is the account my direct deposit goes to. They mislead me into feeling this would work and caused me hours of missed work and an incredible amount of stress. Upon their advice, I called XXXX other businesses whom the first two reps said I could cash my check at or deposit into just to find that was false information. When I requested to be transferred to corporate escalations, they sent me over to someone named XXXX that could barely piece together a sentence and when I asked to confirm it was the corporate escalation department she said yes I am them, and proceeded to tell me the exact same thing that no one has any control over what their system does and confirmed I did everything right and the check should have went through.
Consumer complaint received 2023-11-07
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. (OH)

XXXX XXXX placed a hard inquiry for what appears to be a XXXX account. I did not sign up for anything at XXXX, nor did I apply for a card. This inquiry happened on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/24 established required information to make a transfer out after XXXX accounts ( cd 's ) matured and then they would transfer into a savings account that I would be transferring out of. The transfer was to take 1-3 days. I caught the company, Marcus by Goldman Sachs, reversing the transaction and then locking my account. After speaking with XXXX different people saying they couldn't authenticate me, the XXXX person said the only way to get the funds would be to close the entire account, which I did not want to do. They suddenly could authenticate me, send me a text and a code that I read back, they then closed the account and initiated a transfer. The transfer was too late for me to take advantage of the investment I was interested in. This resulted in me losing out on {$80.00} from that investment. I contacted my attorney and we wrote a letter asking for compensation for all of this nightmare, stress and loss on investment income. I spent days and hours going from XXXX person to the next. Their response was to give me {$25.00} credit to my account calling it " goodwill ''. I responded that it was insulting and ultimately asked for {$200.00}, the {$80.00} from the lost investment, and the hrs. I spent on the phone getting nowhere and losing out on work sales. this does not really take into account the extreme stress they created by locking my account and illegally holding my funds. To add insult to injury, today XX/XX/24, after receiving an email to show my statement, they once again locked me out of my account. After spending another XXXX XXXX minutes on the phone being told they needed to authenticate my bank account, which XXXX had not changed since I transferred XX/XX/24 and XXXX. I was not currently trying to deposit or withdraw. The repeated illegal locking of my account and then wasting my time to remedy the situation is ridiculous and feels vindictive. I was not called, emailed or text about the bank account needing to authenticate. They just lock my account up. It is VERY UNNERVING, to not have access to my OWN MONEY again. I have screen shots from their website during the time they withheld my money and there was nothing about new procedures or longer times for transfers and authentication
Consumer complaint received 2024-08-06
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: Shellpoint Partners, LLC (NM)

Incorrect reporting to credit reporting agencies.Have attempted to resolve issue with newrez dba shellpoint mortgage servicing with no success. I have sent them proof of payment as they requested so that they can fix issue, and after emailing proof, they are not confirming whether they have fixes the issue. They have drastically affected my credit score from a XXXX plus to a XXXX due to incorrect reporting. I have tried and tried over and over to get this resolved, but have met mostly unprofessional support from personnel. They are now sending me letters of non payment and possible reporting to credit bureaus even though my payments are made ontime every month with even extra payment towards principal. I am honestly at a point of feeling helpless as i am doing everything right and they are ruining my name.
Consumer complaint received 2024-08-05
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: CITIBANK, N.A. (FL)

Dispute going on since XX/XX/XXXX. Account closed still under investigation. Called to reopen account, Citibank run a hard inquire XXXX XXXX for a loan I did not apply and the reason for decision was inaccurate derogatory remark by Citibank not fixed yet. 
Never had problems with Citibank since XXXX. The year of XXXX Citibank messed up account with no charges, a obvious dispute overseen by dispute center and customer services that is still damaging my credit and my life without a reason. 
Please let my Citibank accounts static to let them back to normal. Open and in good standing. This has been a very stressful situation for 8 months that only CFPB was able to make my word listened.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

I have enlisted the aid of XXXX agency to consolidate my debts and lower interest rates. I have only been able to make minimum payments for the last couple of years. Synchrony Bank is the only creditor that has not accepted the offer from this company. They are wanting a larger payment than offered. If they had accepted the offer I would not have a late payment. The offer for a balance of {$1700.00}, was {$42.00} per month, they refused it wanting {$43.00} per month. I approved the increased deduction for XXXX and when it was offered they wanted {$3.00} more {$46.00}. XXXX contacted me to increase the withdrawal from my checking account. During this time I have been getting collection calls from Synchrony that I have not picked up. The total debt amount at the time it went to XXXX was {$1700.00}, the account was closed. I am sure they have added late fees and other charges to my total debt. I chose to handle my debt responsibly and reimburse everyone rather than choose Bankruptcy. The original offer was for {$1700.00} and {$42.00} per month. Please help!
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/year>, my stolen SSN was used to take over my Capital One account. I immediately alerted Capital One and attempted to secure my account with a verbal password. 

Since then, the identity thief has re-taken over my account at least six ( 6 ) times, using my stolen SSN and other PII to call into Capital One Customer Service, change my account 's phone number to theirs, and re-take over my account. Despite multiple calls to Capital One about this issue : * Not once has any customer service rep asked me for my verbal password, indicating they did not ask the identity thief either * Capital One CSRs repeatedly allow the attacker to regain control of my account despite a long established history of fraudulent takeover attempts on my account I've since closed my credit and fraudulently opened Capital One bank accounts, but my Capital One web account is still active and still being taken over by the identity thief. This provides the identity thief with access to my credit score through Capital One 's CreditWise. Capital One has already been used as a pivot point to take over my bank accounts, as it alerts the identity thief to where my bank accounts are. Capital One still lets this threat persist and still grants the identity thief access to my credit reports, furthering the risk of lateral movement to my other existing accounts.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: EMBRACE HOME LOANS (NC)

MY NAME IS XXXX XXXX XXXX. I OWN THE PROPERTY ON XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX ( DECEASED ) AND XXXX XXXX XXXX HAD A LOAN IN XX/XX/XXXX ON THIS HOME. THIS LOAN WAS PAID-OFF IN XXXX BY EMBRACE HOME LOANS. WE NEED ADVANCED FINANCIAL SYSTEMS TO VERIFY THAT AND SEND A SATISFACTION LETTER TO XXXX XXXX IN NORTH CAROLINA SO WE CAN HAVE CLEAR TITLE AND SELL THE PROPERTY. PLEASE COMPLETE THIS AS SOON AS POSSIBLE.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc (TX)

I contacted Affirm after reviewing upcoming payments for orders placed on XXXX. As I checked each billing date ( per month ) I noticed that each transaction or order was the same order repeatedly for XXXX. I contacted Affirm 's customer service and spoke with XXXX ( a supervisor ) and before this an agent named XXXX, both working from XXXX XXXX, therefore there was a language barrier. XXXX continually interrupted my questions and seemed very annoyed when she couldn't answer my questions. I attempted to explain that I could not see the actual orders I was being billed for via the Affirm app nor on their website using the order numbers provided. I then requested a supervisor, XXXX and I advised him that I was concerned because I didn't know what I was being billed for and needed clarification. XXXX became irritated as well and advised I contact XXXX for the information. I advised XXXX that the order numbers ( XXXX and amount {$550.00} ) Affirm provided did not reflect nor correlate with any orders associated with XXXX, therefore I was referred to Affirm for clarification. My concern is that I can not speak with anyone at Affirm who can clarify what's going on with my orders and Affirm payment schedule. I track my spending and purchases but I'm unable to assess what's going on with Affirm. Both the Affirm App and website are poorly developed, and customers are unable to clearly understand accounts, info etc associated with purchases.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/year> and XXXX XXXX  to Equifax, XXXX, and XXXX despite violating the aforementioned statutes.
Consumer complaint received 2024-08-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (GA)

I updated my payment information at the end of XX/XX/year> with Target XXXX XXXX. I revoked access to my XXXX account and gave them my XXXX XXXX account information. I have attempted to stop payments through the bank as well as multiple calls into Target in addition to making the changes online. 

They unlawfully charged my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And then added fees and interest for the returned payments. I set up payments through XXXX XXXX and sometimes it would go through, other times it would not. 

Their excuse was I needed to update my payment information, which I had done on multiple occasions. 

All I asked for was for them to refund the fees.
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: T.S. Holdings (MA)

They keep threatening me and my family and I fear for my life and safety all over a debt that belongs to the thieves that took my identity in XXXX. I shouldnt have to fear for my life and I shouldnt have to be harassed by this company and nothing gets done about it. I fear for me and my families life dealing with them at this point.
Consumer complaint received 2024-09-08
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. (MT)

I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. These 4 inquiries were added without my knowledge or consent and require immediate attention. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

My husband and I applied for an American Express card XX/XX/XXXX. He has been XXXX XXXX XXXX XXXX XXXXXXXX, with no breaks in service. 

American express refuses to cover our account under the XXXX. We have applied XXXX times, and been denied each time, with no explanation. They accidentally submitted us for XXXX relief ( we never applied for this, as we know we got the credit card after my husband was on active duty- this was an AMEX Error ) - they sent us a denial letter saying that we were not eligible for XXXX  because the credit card was acquired after he went on active duty- which we know, which is why we were applying for XXXX. 

Amex has acknowledged that my husband is XXXX XXXX, yet has denied the XXXX for our account over the past 2 years. 

On one of my last calls, I was told I was not eligible for XXXX because I am a dependent of my husband, and I had to point out that federal law, and their own cardmember agreement covers dependents of military members. ( cardmember agreement posted below ) Note : I am in the XXXX XXXX, and have never applied for XXXX for my own service, as I don't qualify, only my husband is XXXX XXXX. Amex has mistakenly applied for XXXX on my behalf XXXX. 

" Federal law provides important protections to members of the XXXX XXXX and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the XXXX XXXX and his or her dependent may not exceed an annual percentage rate of XXXX percent. This rate must include, as applicable to the credit transaction or account : the costs associated with credit insurance premiums ; fees for ancillary products sold in connection with the credit transaction ; any application fee charged ( other than certain application fees for specified credit transactions or accounts ) ; and any participation fee ( other than certain participation fees for a credit card account ). " When asking why I was denied, customer service says they " dont know '' and it's a " back end '' system that makes the determining factor. I've asked to speak with someone in that office, and Amex Customer service has said that's impossible, and they can not follow up for more information. They have never given me an answer as to why they will not give me or my husband XXXX. I have attached a denial letter here, with XXXX explanation as to why the request has been denied. 

I have provided the following documents to american express : -my husbands orders ( uploaded to Amex document center 3x ) -marriage certificate -their own card member agreement with text -federal law saying dependents are covered by XXXX I have provided these things several times over, and they continue to violate the law.
Consumer complaint received 2024-08-05
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (OK)

XXXXXXXX XXXX payment card issued by com data payment solutions. I attempted to make XXXX purchases and get cash back, the XXXX XXXX were successfully XXXX declined because of the additional fees as well they charge a fee for the XXXX XXXX being declined. Finally got a supervisor on the line that just stop responding then just started pressing buttons on phone either trying to get the call to disconnect or me to hang up, she never came back on the phone
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (GA)

There has been a compromise on my credit card sinceXX/XX/XXXX My daughter tried to fix the problem for nearly a year to no avail. She left with several friends after XX/XX/XXXXt for a XX/XX/XXXX my daughter was XX/XX/XXXX and her friends may have used her card to get food, hotels, gas, and more. 
I was not allowed to obtain information due to XXXX. 

I made numerous attempts to reach XXXX XXXX reference these charges, due to privacy act issues, I was never able to resolve this issue. 
The fee and interest have been accumulating since XX/XX/XXXX and they recently brought the interest rate down a nudge, however, no charges were removed. I had an ongoing investigation in cycle however it had been going for many months. I have paid XXXX XXXX for many years and am on the brink of breakdown due to my commitment to pay XXXX XXXX for charges I can not make. 

My Daughter is still underXX/XX/XXXX and is still not totally in herXX/XX/XXXX I have paid nearly XXXX of a cash advance succesfully over XX/XX/XXXXyears ago. In addition she was sent a few credit cards numbers over night twice. 

This has caused me much stress.