davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

Called five times regarding rejection of mobile deposits. Was told problem would be escalated three times, never was. Was given multiple reasons for why check was rejected, all false. Lied to and process drawn out longer than necessary. Then told, I could take my checks to any bank.ANY other bank besides XXXX XXXX and cash the checks with no problem even though this representative has no knowledge of my financial history and even after the back of the checks are cluttered with writing.
Consumer complaint received 2023-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX pm XX/XX/XXXX. I cancelled at XXXX pm. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for XXXX providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it. I showed ample evidence of the dispute. Attachments and emails showed I followed the process. I cancelled on time before the XXXX pm deadline. XXXX never discussed the evidence with me. All they did was write a generic response that they did the investigation and they are correct. What happened to providing a rebuttal to the evidence I provided. They can continue to write generic responses without actually looking at my evidence of email screenshots and cancellation emails. Nobody reviewed my evidence. They simply ignored it. I was XXXXXXXXXXXX to call me so I can walk the XXXX through the evidence.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Was offered a {$250.00} statement credit if applying for Chase Freedom card. Only got {$150.00} bank says they cant find offer.. It appeared on their site when I was logging into my existing Chase accounts
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I return some merchandise to Home Depot a refund was due to my credit card in the amount of {$670.00}. XXXX statements reflects no there was no refund. I am still making payments, in order to keep my credit in hood standards. I have made numerous attempts to contact Home Depot and Citi whom are the card issuers with negative results. As requested, Ive sent receipts to verify my return of the merchandise and I still have not been credited. My credit report still shows the outstanding balance which is fraudulent.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

My issue goes back to XX/XX/XXXX. I have made payments and if you look you can see how I was creditied the payment then they charged back the payments at vaious different occassions. All my payments have always been by phone only. I do not make them online ever. I now have a judgement placed against me but never received anything stating this was going to happen. The 2 amounts in question that have been recurring credits and charges are {$620.00} and {$1800.00}. The first payment of {$1800.00} was paid by phone on XX/XX/XXXX. The next payment in the issue was from XX/XX/XXXX {$620.00}. There have been credits and charges showing the payment sections for these 2 amounts. I am not sure how this happened in their system but I don't owe anything. I did speak to someone at Syncrony in XXXX or XXXX of XXXX to set up a dispute about this. It was never addressed by them. Everytime I have called the company I just get transferred from person to person and then get convenienty disconnected. I filed a cliam with the XXXX  which I will attach to the complaint with all credit card statements also.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have been locked out of my web, and app access for eight weeks. 
I am unable to make payments on my account. We changed the password, I tried different web browsers, and computers. Capital one can't post payments with customer service with debit cards, and electronic checks with routing numbers. I sent in a bank check to the payment center. I was told that they were unable to post that payment either when I called them. I have not received any communication from capital one at all concerning this problem.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (MO)

I have been a Nordstrom cardholder since XXXX or XXXX with excellent payment history. In late XXXX, I was financially impacted by the Covid Pandemic. I contacted Nordstrom Card services and requested a financial hardship. I was enrolled in the fixed payment program as requested. The payments were structured to a feasible amount, {$170.00} to be paid monthly. In addition, the card was closed, and interest rate was 0 % as part of the terms and conditions. I paid as agreed upon. 

Fast-forward to XX/XX/XXXX, I am unenrolled from the hardship program. I view my account online and note that I owe {$640.00} as a minimum payment due on XX/XX/XXXX as well as I incurred {$280.00} in interest charges. I contacted Nordstrom card services on ( 3 ) different occasions ( 2x on XX/XX/XXXX and 1x on XX/XX/XXXX ). I was advised that the program was only for a term of ( 1 ) year ( which was not disclosed ) and I would have to wait ( 6 ) months. Furthermore, no one could provide an explanation as to why I would the enrollment was only slated for ( 1 ) year. I explained that I am still experiencing the same financial hardship as last year and I cant afford to pay the debt obligation. However, I could continue to pay {$170.00}. No solutions were provided. I attempted to speak with their recovery department. I left a message and did not receive a call back. I asked to be transferred to the recovery department and was advised that because my account is not in charge off status, they will not speak with me. I was also advised by Nordstrom Card Services that I could call back when my account is ( 2 ) months past due. 

I am seeking hardship assistance with Nordstrom. I was enrolled in a hardship program that allowed me to pay the debt obligation and maintain a positive credit rating. 
Nordstrom Card Services is utilizing predatory tactics to squander funds out of consumers that are experiencing financial hardship, in oppose to offering solutions to assist. Nordstrom is charging an exorbitant amount of interest, fees, and waiting until the consumers credit report is adversely affected before allowing the consumer to seek hardship options and then will not remove any delinquencies ( when it could have been prevented ). 

I would like for a senior account manager/executive to review my account and enroll me in the fixed payment program.
Consumer complaint received 2019-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My debit card was stolen by someone I knew who did not live with me on XX/XX/XXXX. I did not know, but this person was stole my card out of my car twice and used it at an ATM and multiple stores. I called Capital One as soon as I noticed it on XX/XX/XXXX, within minutes of the last transaction. Over almost a month, about {$3000.00} was stolen from my account. When I called capital one, I had no idea what was going on and told them I was not sure what had happened. I later found out who had stolen the card and reported it to the police. This person is a known con artist, has elicited money from many people for fraudulent charities, and has active warrants for stealing money and other things from other people who he comes in contact with. Capital one never asked me for any more information, they just denied my claim. I called to ask them how to re-open it, and at least 3 different employees told me they could not talk about it, and there was no way I could re-open the claim. My capital one debit card and credit card information were stolen ( not the cards because I still had them ) on XX/XX/XXXX and charged multiple times. I woke up in the morning to an alert from capital one asking if I had made one of the purchases, and I said it did not. These charges were {$400.00}. There were more on the credit card, but those were removed very quickly. Capital one let all of the transactions go through and would not allow me to dispute the ones on my debit card account until they cleared. They also refused to give me any information about the transactions and told me I would have to call the police for that information. They did not credit my account with the " provisional '' credits for several days. Meanwhile, my automatic withdrawal from the mortgage company had been denied, but I never got an alert or anything about this from capital one. I called them to tell them I had been charged an NSF fee, and capital one said they would not cover it because only the debit card had been compromised.
Consumer complaint received 2023-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AL)

On XX/XX/2023 I sent {$370.00} and on XX/XX/2023 I sent {$390.00} through zelle. It was to someone who was saying they were selling me a dog, but when asking for a refund he refused to do so.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX INQUIRIES XXXX XXXX Inquiry Date XXXX and XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (OK)

I took out the loan and was paying as agreed, extended the loan, and after a payment I had a family issue then job loss. I relayed this information to The Sun Loan Company. They aggressively harass by calling numerous times every day, and call the loan references multiple times. The references did not take out a loan and do not deserve to be harassed. They disclose protected and personal financial information which violates my privacy. They filed a lawsuit then continue to harass. They have googled family members and begun calling random people that may or may not know me, and even after I requested they cease all contact due to a lawsuit being filed they continue to harass.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (VA)

Hello my name is XXXX XXXX, I have a mortgage on my home with Lower Mortgage. I have been paying my house during the last 10 months with a bimonthly plan, which have let me pay twice a month. There have been 2 months in which I paid 3 times. I stopped that plan and asked the bank to review to get an update on my payments and we've realized that I have paid 11 monthly quotes in 10 months. In that sense, there have been 2 extra bimonthly quotes during my payment process. Those extra payments could be considered to substitute the payment of this current month. This is shown within the attached document. 

I considered that any plan created by the bank are made in the task of assisting the customer in submitting their payments. Given that, there should not be any money disappearing or debited to any other fund. I've tried to let the bank know my desire to utilize these 2 extra bimonthly quotes towards the payment of this current month. I expected for them to contact me about the termination of this bimonthly plan to update me about the balance on the account and ask me to what would be the best use of this extra quotes.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-11-02
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)

Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. The following is the error that I have identified : XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Also please take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter certified tracking number # XXXX and # XXXX to get inaccurate information on my credit report investigated. 
The credit bureaus stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

In XXXX XXXX 2024, I noticed that my credit score had dropped by over XXXX points, and an account on my credit report was listed as having a delinquent payment. I spoke with my credit union, and was notified that the payment had been reported as late, but the XXXX XXXX had made a mistake, because they had never notified me about it. I made the payment with them, and was told that it would be " fixed '', and they would send an update to all three credit bureaus ( XXXX, XXXX, Equifax ). Twice now my score has rebounded, and the report was briefly removed, but appears to be resurfacing. I have a lengthy email conversation with my credit union where they have very clearly acknowledged that they do no consider my payment late, and that they " reapplied it to XXXX '' so that there would technically be no late payment at all on my record. I do not know what to do at this point, and I feel like I am stuck in limbo between the credit bureaus and XXXX XXXX XXXX.
Consumer complaint received 2023-08-21
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: CITIBANK, N.A. (CA)

To whom it may concern, On XX/XX/2023 my car was broken into. Among the items the theive ( s ) got away with was my wallet. Upon realization of the event I canceled all of the cards, and filed a police report with local law enforcement. Unfortunately several hours likely passed as the thieve ( s ) racked up at least one charge on every card. 4 cards were involved. XXXX and XXXX quickly resolved fraudulent charges accounting for XXXX. Unfortunately the home depot credit card ( CITI ) entered a long dispute process. I figured it was because this card had incurred the biggest charge of the four ( {$380.00} ). Two months later ( XXXX ) I got a disheartening letter from CITI telling me that upon their investigation, I was fully responsible for the fraudulent charge. Outraged, I called their security team to immediately reopen dispute. I sent them a copy of the police report. Gave them a very detailed statement of the event. Also attempted to acquire surveillence footage, but was unable to because of lack correspondence from law enforcement. Who are required for release of footage. Sadly, today ( XXXX ) I received another letter from CITI telling me that I am still liable, and that my credit report is now in jeopardy if I don't pay! Realizing that CITI is not in my corner I have decided to file a complaint with consumer finance. Hoping to resolve this unfortunate situation.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On  XXXX   XXXX ,   XXXX   I was notified by email that my credit limit had been decreased on my existing CITIBANK credit card , by Citibank, N.A.,   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   SD  XXXX . The reason cited was that my credit report reflected a " substantial number of debts owed to other creditors ''. iWhen I applied for the credit card, I held the same number of creditors and was approved for the card. I am current with payments, I make higher the minimum payments, am not in default with this or any other creditor, I have no collections, hold a 100 % payment history with this and other creditors. I have received unsolicited credit limit increase in my credit limit. I contacted a Citibank line manager regarding this decrease and was given the reasons stated above, based in part by reporting of   XXXX   XXXX   XXXX   XXXX   . I  explained that this report had been in dispute for some time with  XXXX , an d    XXXX   XXXX   XXXX   XXXX   XXXX   I reported that there was indeed approximately a  XXXX  poin t credit score  spread between theses two agencies and  XXXX  largely because both  XXXX , and  XXXX   XXXX  are reporting my home mortgage as an installment loan with a high balance rather than a home mortgage as it should be. My home Mortgage lender has called, wrote letters, and attempted to have   XXXX   and  XXXX   XXXX  correct the installment loan reporting to reflect a Home Mortgage to no avail. I also noted that this so called " occasional periodic credit report check, directly coincided with my  XXXX  birthday several days ahead of this credit limit adjustment, I AM ALSO A   XXXX   XXXX   XXXX   XXXX   and  may  in fact be a form of  CITIBANK  discrimination. No other creditor has made such an adjustment, I maintain higher credit limits with regular unsolicited increases, and as previously stated, are current, and likewise with no missed payments. On  XXXX   XXXX ,   XXXX  , just 4 days after receiving the decreased credit limit notification I received another email from Citibank which reads on the subject line " Notification : Dear  XXXX , we appreciate your loyalty -view THIS limited time offer '' this was a solicitation to apply for a AAdvantage, Platinum Select, World Elite,  Mastercard   XXXX  I get these invitations regularly from Citibank and am confused as to why I am asked to spend more, apply for additional cards, or otherwise am encouraged to use my  Citibank  credit card and at the same time find it hard for Citibank to justify the CREDIT DECREASE. As previously stated, I am not in default nor have I ever been with this card ( or others I possess ), I have no past due discrepancies, and do not understand on what  Citibank  has based their unfounded decision. Utilitie bills, mortgage, insurance and other debt also reflects 100 % payment history. Could my age have been a consideration? is there some other reason why Citibank chose to make this so called " periodic review '' and determination?
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX