davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/year> my wife made a XXXX purchase of shirts from a charity using our Chase Freedom XXXX card. The amount was {$92.00}. On XX/XX/XXXX, I noticed a {$10.00} transaction that simply said " TRANSACTION FEE '' on my account. I inquired and was told that was the fee they charged for " Cash-like transactions '' which is what they consider XXXX, apparently. They agreed to remove the {$10.00} fee as a " one-time courtesy ''. It is absurd that a {$10.00} fee on a {$92.00} purchase is even allowed, as this is almost an 11 % fee simply for using a competing service to Chase 's XXXX service. 

I then found out that in addition to the {$10.00} fee, they have coded this {$92.00} as a cash advance transaction. I called to inquire about how to pay off the cash advance portion of my balance, as it was subject to daily interest of almost 30 %, and was told that I can not simply pay off the cash advance portion. In order to stop the daily usurious interest, I must pay off my entire balance, for both purchases and cash advances. It does not matter that I automatically pay off my entire balance every month, they are going to be charging me daily for the cash advance portion, and I can not make a payment directly to the " cash advance '' portion of my balance. 

I went to the branch to dispute with a live person, but was told that all credit card business was only handled through their outsourced customer service phone line. 

This seems unfair. If they are going to separate out a specific balance to be charged a higher interest rate, do I not have the right to make a payment specifically to that part of the balance? I accept the responsibility for not keeping up to date with the fine print of my credit card agreement, which they can change on a whim, but this arbitrary rule makes it difficult for people to manage the interest they are charged when hit with an unexpected " cash advance '' that was no such thing.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

I closed my Apple Card on XX/XX/XXXX due to me deleting the Apple XXXX associated with it and I was told that I will be able to re open the card and my credit will not be affected if I reapplied so I reapplied for the card on XX/XX/XXXX and was denied and received a inquiry that I was not approved for the card even though the card I was forced to close was in good standing due to it being permanently associated with the Apple XXXX I called Goldman Sachs and informed them about the situation that I wanted to keep the card and I was unable to get this resolved. Please call me at ( XXXX ) XXXX the number on this complaint is incorrect
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: APPLE FINANCIAL HOLDINGS, INC. (TX)

I am a checking account holder with Apple Bank for Savings for over 20 years and the Social Security Administration uses to deposit my Social Security Income every month. The bank is aware of my ATM card being damaged for over a year and I sent a copy of lease and state identification card to their Center location. They never sent me a new ATM card and I needed money for food and diapers. So, I wrote a check payable to my daughter who lives with me and taking care of my expenses on XX/XX/XXXX. After the check was cleared on XX/XX/XXXX, and got to her account that is located in another bank XXXX XXXX  XXXX XXXX ). Apple Bank back charged against her account that is now - {$240.00}. I called them and spoke with an employee and his manager and she replied we aren't serving customers outside the state and we can not fix a thing in the past ( referred to the check ).
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, I purchased a {$2000.00} gift card with my Discover Card in a local XXXX XXXX. The gift card was a small wedding gift to a young couple as I was not attending the wedding, which is scheduled for XX/XX/XXXX. When I found out the gift card did not arrive at the location in XXXX, XXXX on XX/XX/XXXX, I immediately called Discover on XX/XX/XXXX, Thurs, to stop payment on the gift card so that no other person could have access to this card. When I spoke to XXXX in Billing at about XXXX XXXX, XXXX of Discover refused to stop payment. 
I followed up writing to the Discover Executive Dept. Finally, on Fri, XX/XX/XXXX, I received a call from XXXX. XXXX refused to stop payment on the card with an unsatisfactory explanation. The only reason XXXX responded was that I put in a XXXX XXXX XXXX  XXXX, Case # XXXX. 
I would like your Consumer Fraud Protection Bureau to follow up with an investigation. Something doesn't add up. For every other charge card I won, Customer Service has always made a stop payment for me in the few times I requested it over time, and, for any reason. With Discover, I requested a simple " stop payment '' on a {$20.00} XXXX charge card. I had no stake or motivation in requesting this stop payment other than to make sure no other person would have access to it should the charge be opened up by an unknown person. Please note the XXXX in which I purchased the {$20.00} charge card was kind enough to return {$20.00} in cash to me. However, this is even more reason to make sure that the credit card is not used by any other person..
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

Crown Asset Management in XXXX Georgia. Customer Service keeps transferring the call from one person to another. No one answers phone calls, emails, and fax requests.

Direct Line XXXX Going through an attorney and even the attorney could not get through the collection company.
Consumer complaint received 2023-06-14
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC (TX)

I was one day late on payment to XXXX on XXXX apartments for rent due to being out of the country for a last minute work trip. I had no cell service. I had never been late on payment of rent. I came back and saw a notice to vacate on my door on XX/XX/year>. The paperwork states the amount I have to pay, and that the notice was unconditional. I paid my full balance on XX/XX/year>, and then moved out on XX/XX/year>. I called the leasing office upon move out day to ask where to drop off the keys. They informed me they didn't know I was moving out, and that since I paid they rescinded the notice without notifying me. The signed noticed by XXXX XXXX states that this notice is unconditional. I had already moved into a new apartment. ( XXXX information will be attached with date of move out ) I disputed this with the original company XXXX XXXX They marked the account as paid as agreed and closed the account.
Consumer complaint received 2024-03-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

As of XXXX XXXX I was on time with payments, understanding one was due XXXX XXXX XXXX XXXX XXXX I received a notice that I was 75 days late on a payment. I also received a 45 day letter on the same day. 

On XXXX XXXX I called and spoke to one agent who was confused by the issue then realized something was wrong with my account. We got disconnected and no one called back. 
I called back and got another agent, who, while friendly, kept badgering me about why I didnt make a payment in XXXX ( I did ). After much frustration, I believe she finally saw what I did, that my account is messed up. She is supposed to research and call me back, as of today I havent received anything. 

Im now 90 days past due. In your systems opinion, a magical 75 days have passed in 16 days, 90 days in 19 real days. 

Today I received a notice that my agent changed. I emailed customer service and was told my issue was resolved in XX/XX/XXXX and they closed the ticket. 

It then took one employee after 12 phone calls and 3 hours to discover they audited my account discovered THEY messed up and put my account 90 days past due. They sent people to my house after 15 days of actually being past due threatening foreclosure. They have been sending people to my house to take pictures and then charging me for the privilege even though my account is no longer close to foreclosure. They have ignored my every attempt to figure out why this happened. Im so fed up and stressed. Im Sick of being sick over this please help. 

I cant attach an email chain but if youd like it I will forward it all. Most of this message is a copy and paste from my initial email to them so I apologize if some of it seems directive.
Consumer complaint received 2024-01-08
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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: CBC Companies, Inc. (IL)

I did not apply for ny of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that XXXX XXXX XXXX was representing capital one for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that XXXX had obtain a judgement. I sent that document to XXXX. I also reached out to XXXX to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that XXXX would not work with them because I owned that debt. I keep receiving notifications that XXXX has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from XXXX and XXXX wont speak with XXXX.
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I'll start with the current issue. Around XXXX of XXXX  when I heard the federal student loan pause was ending, I called Nelnet and asked to be put on a income based repayment plan. Went through it all over the phone, and was told I was set. Eventually by around XXXX of this year, I noticed I was getting notices of non-payment from Nelnet, despite being self employed for less than XXXX in XXXX. I called again, and Nelnet said they had no record of the application. I went through the whole shebang again, with very little information on what the different income based repayment plans mean or do. 

I am still receiving late payment notices and accruement of interest. This is unacceptable. 

Furthermore, in the years first following my loan acquisition I experienced bouts of homelessness, and significant periods of unemployment. When I called my servicer to ask what I could do about my payments, I was never told about income based repayment, and directed into forbearance instead.
Consumer complaint received 2024-03-23
Product: Credit 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: GOLDMAN SACHS BANK USA (VA)

Since XX/XX/XXXX XXXX has been charging me a $ XXXX monthly charge. I disputed this charge with my Apple Card every month and finally on XX/XX/XXXX I received 5 out of the 10 charges refunded. I contacted experian and they said they have no record of my social security number being used to create an account. Apple Card said the only way they could help me resolve this is to close my whole credit account with them and pay off the debt. The only resolution XXXX XXXX Apple card gave me was to close my {$4500.00} credit limit account when I have {$2800.00} credit spent on it. That is severely damaging to my credit score. Instead of trying to come to a resolution with XXXX, XXXX XXXX Apple Card attacked the customer. XXXX denied all charges on my account, but Apple Card insisted they remain and I pay this monthly charge every month until I decide to close my credit account. I was pushed out of their card system unfairly because they refused to give me a solution
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I bought a used car from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. They claimed I needed to fill out an application in order for them to get " approval '' from the finance company for the vehicle. The dealer wouldn't tell me who the finance company was nor what terms meaning interest, length etc. I figured it out by looking at the paperwork. I called Capital One Auto Finance to explain the dealer sold me a car I didn't want and that the price they quoted Capital One is not what the vehicle was valued at and that the dealer inflated the price. I tried to return the vehicle to the dealer and cancel the loan but since the dealer ensured that the finance company funded the loan I'm the one who got shafted. I now have a 6 year {$700.00} car payment for a car that at best is worth $ XXXX. This is because of course the dealer added additional fees that I didn't request like GAP insurance, extended warranty and repair, etc. The finance company helps the dealer fraudulently advertise car prices and then XXXX up the price when the finance company approves the vehicle.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (AZ)

My account was compromised on XX/XX/XXXX. I called to have it secured again. My account was then frozen for over a week. I sent my identity information and changed my email, password and phone number back to what it was supposed to be as the hacker changed it all. I contacted them via email and phone calls over XXXX times. They finally unfroze my account XX/XX/XXXX. Within 3 days my account was hacked again and the person was able to make XXXX transactions before I could get someone on the phone to stop them. XX/XX/XXXX my account was frozen again. I sent all the information they requested about XXXX more times and called and emailed and after a week was able to change my information back once more but this time they kept my account frozen. XX/XX/XXXX I was emailed that they were closing my account, due to a risk based decision. I have since called XXXX times and emailed XXXX times asking if I will get my money back and how long it will take and how I will get it. They have no answered that question. Instead they just sent me a new email saying their decision to close the account remains the same. I can not get anyone on the phone who can give me an answer about how to get my money, which totals XXXX.
Consumer complaint received 2024-03-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc. (TX)

I took out a loan and fell on hard times about XXXX years ago. About 6 months ago I got a letter taped to the front of my mailbox with Lawsuit written on the front. It was for all my neighbors and family to see. ( I have witnesses ) Inside wasnt a lawsuit or court papers. It was a letter from Tower loan about my debt. The XXXX XXXX even signed it himself. Just got the same letter today but it was officially sent this time. Same signature and paper so it proves it was posted on my mailbox by him. 
Ive saved both the officially sent mail and unofficial one as proof. This tactic upset, embarrassed, and scared me so Ive just been waiting for them to serve me.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On Monday, XX/XX/year> at XXXX XXXX XXXX I was contacted via text message from my bank, Chime, asking if I authorized a transaction for {$530.00}. I responded with " No '' and got a response back that no funds were taken from my account. However, Chime still allowed two transactions for the amount of {$530.00} to go through and post to my account ( total {$1000.00} ). I contacted Chime on the XXXX, XXXX, and XXXX to rectify the situation and Chime refused to help. They have stated that any disputes may be resolved within 90 days, which leaves me without the money to pay my bills Chime allowed transactions to go through that I marked as fraud, and Chime claimed to have prevented the transactions.
Consumer complaint received 2024-04-19
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.