davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I have been an American Express card member since XXXX. In addition to my XXXX XXXX  credit card, I was recently approved for the XXXX XXXX Credit Card earlier this year. I have made two monthly payments on the new XXXX XXXX Credit Card. 

From XX/XX/XXXX - XX/XX/XXXX, I have been reaching out to America Express to request a courtesy refund of late charges of {$29.00} assessed to my credit card. They have denied this request with no reason given. On my last call, I authorized a 3-way call with reps from XXXX XXXX XXXX , American Express and myself. 

My payment was due on XX/XX/XXXX. I scheduled a payment to be made via Online Banking with XXXX  XXXX XXXX to be delivered by XX/XX/XXXX. A late fee of {$29.00} dollars was assessed on XX/XX/XXXX. The payment was posted to my account on XX/XX/XXXX. 

On several attempts, I explained to the American Express representative that I also had another American Express credit card that I also paid via online banking with XXXX XXXX XXXX. The payment for this credit card is sent electronically. It was my expectation that when I added the new credit card that the payment would be made electronically as well. I have come to learn that due to some unknown reason, which no one at either bank can explain, a paper check is sent. 

As the consumer, I don't know what internal process XXXX  XXXX XXXX uses for bill pay nor do I have control over the USPS. Even with this knowledge, American Express refused to refund the late fee and that is not right.
Consumer complaint received 2022-11-27
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 have reached out to XXXX  and transunion several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the dark web there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX wont remove XXXX when I was approved by XXXX when I was approved a XXXX discharge over a year ago.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We had a very tight close on our mortgage for our XXXX property ( XXXX XXXX ). Wells Fargo stated they would help expedite our requested close date and came close to meeting that date although I had to have multiple escalations to stay on track. 

During this time, they never communicated that there would be an escrow account for 2 years when they quoted the interest rate of 7.375 %. Our loan to value is 25 % yet they are now indicating that there needs to be an escrow account for 2 years, and we earn 0 % interest on this. Our monthly escrow payment is XXXX, which could be earning over 4 % interest in a high yield savings account. 

This is a very deceptive practice. 
Wells has never requested an escrow account with our other mortgages.

Our credit score is over 800. 
Our loan to value is 25 %. 

We are awaiting an update from Wells Fargo regarding this situation but the most important thing to take action on is how DECEPTIVE they are when quoting their rates.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (MO)

I received a call from ( XXXX ) XXXX, a company saying they were Chase calling about my account.I really thought it was Chase because I have an account and had submitted a dispute. They said to call back at XXXX. I called. 
They asked for my social security number. I did give my information. I realized it was a scam when they couldnt give me any account information once I had shared my information.
Consumer complaint received 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received an offer letter stating 0 % APR and {$300.00} cash bonus but never received the bonus nor the interest rate. 
I called Capital one and they told me at the end of the application I was told that I was not approved for the offer and they are going to give me an alternative offer. I has never seen this statement during the application for this credit card. 
I strongly believe this is a case of bait and switch. I have a picture of the letter that was sent to me. Even if I was not approved for the offer they should have informed me via Email or mail.
Consumer complaint received 2023-07-20
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: DISCOVER BANK (CT)

Discover card has been using my information to file inaccurate reports at the credit bureau. I trusted them with my information and what they have done for months is abuse my information, to the point that it feels criminal.

Discover card told me on a recorded conversation that what they tell the credit bureau doesn't matter and if I wanted to get a loan all I had to do was call them. This is not true and for them to say something like this to me says they can not be trusted with my information. Any and all they do with my information from this point forward will be documented and viewed as identity theft. 

I believe that I am not the only person they filed false balances for, I have conversations with them I have not posted yet that prove they are engaging in consumer fraud
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX never has violated my rights. 

XXXX XXXX XXXX # XXXX I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account please correct. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MS)

XX/XX/2022 my phone was hacked into and a unauthorized transaction of XXXX $ was transferred from my credit builder to my checking account and then sent to someone I do not know and have never heard of before. As soon as that transaction took my hard earned money from me and my XXXX kids, I contacted my bank and filed a dispute. They claimed to have not found any errors and refuse to refund me XXXX XXXX I requested a rebuttal to reopen my case and they instantly replied and still refused to refund my XXXX XXXX My rent and car note payments are coming up, my kids are only XXXX, XXXX, and XXXX and I cant provide for them due to my funds being taken from me. Please help me and my family get my refund back.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MN)

First purchased gift card at a XXXX on XX/XX/2023. 

Tried to use the card online on XX/XX/2023 thats when I discovered the security code was scratched and whited out. 

Went back to XXXX to get an exchange said I had to contact the company for that. 

Contacted the company on XX/XX/2023, and told them the problem. They said I should email them the images of the card ( front and back ) and the receipt, and they would issue me a new gift card. They said I had to wait 30 business days to get the card. 

After 30 business days, I received no confirmation or contact on the status of my new card. I contacted the company, and they said I should wait 24 hours. Did that, no confirmation of new card. Contacted them again, and they told me to wait until after the XXXX of XXXX holiday. Did that, still no confirmation of new card. 

Called several times more, even asked to speak to the supervisor and they said they would expedite my request. They said they would refund me for the entire purchase, which is {$40.00} ( I still have the XXXX receipt to confirm this amount ). 

Finally, after XXXX calls, they said on Tuesday morning, XX/XX/2023, I should receive an email with confirmation of my refund processed. I never received such email. 

I dont want to contact them again. I believe they will not refund me. Now Im out {$40.00} and have a bad gift card that XXXX cant use in store and online. I no longer want a replacement card because I do not trust they will send me a good one. I believe they are a fraudulent company that is hoping I will give up so they can pocket the money without providing a legitimate product.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account XXXX XXXXXXXX ] has a payment status inaccuracy where one agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX exhibit attached below. Next is the XXXX XXXX [ Account # XXXX ] is showing not a single late payment on XXXX which matches my records but XXXX and Equifax is reporting monthly 30 day lates which does NOT match my records.
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (AL)

Please see all attached documents that proves my case. Here are the facts. Holloway Credit Solutions reported a collection account from XXXX and XXXX on my credit report that I noticed in XX/XX/2021. The company sent me a letter notifying me of this debt with a right to dispute the validity of the debt within 30 days from the date of the letter, which was dated XX/XX/2021. Take note of the dates. The company reported this account on my credit report BEFORE sending me the required notice to dispute the account, which is completely against the law. I have already filed a dispute about this and the company is STILL reporting this account on my credit report in violation. See the attached document where the company admits the first contact being in XX/XX/2021 AFTER they reported the account on my credit report in XX/XX/2021. I also attached a document showing the date the account was reported on my credit report in XX/XX/2021.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

This is my third complaint about this mortgage company. Why is my monthly statement showing that I owe {$1000.00} And why is it showing an overdue payment of {$590.00} and what is a partial payment unapplied mean? Why is my statement showing all this when I was approved for a load modification. Please first answer the meaning of partial payment unapplied. Where did that {$140.00} go if it's a partial payment unapplied? Every time my online account showed a payment due, I paid it. So how can there be an overdue payment. My monthly payment is supposed to be {$500.00}. not {$1000.00}. I'm supposed to have a loan modification because I have stage XXXX XXXX and can not work at this time but instead you're making it worse by saying I owe {$1000.00} and saying there is a overdue payment and what does {$140.00} in partial payment unapplied mean? Where did that money go? Are you keeping it for yourself? What does partial payment unapplied mean??? This is the worst mortgage company! They just want to hurt people. I keep calling and leaving messages for the XXXX XXXX XXXX XXXX and he never returns my calls. And then when I tried to do a live chat with XXXX on XX/XX/XXXX, after a half hour I gave up because she never came back. The last thing she said was " Thank you for your patience, please allow me a few more minutes, I am still reviewing your account. '' And then a manager stepped in.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Our mortgage servicer, XXXX XXXX, notified us that the servicing was being transferred to NewRez LLC effective XX/XX/XXXX. The letter said that by law XXXX had to send us notice within 15 days of that date. We haven't received any notice of any kind from them and it is XX/XX/XXXX today. I called today and the person I spoke to said it took time to transfer the account and that was why we were given 60 days before a payment was late. I asked why we hadn't been notified and she said she was unaware of any laws regarding notice. She said we would get a welcome letter at some point but she didn't know when. I am concerned that they will not get me the information in time for me to make a timely payment and then they will charge me late fees. I have read online reviews that this is what this company does. I want the information I need to make payments and to verify that the amount of our loan and the terms and the escrow are correct. I want it in writing. Thank you! 
I can't give you the loan or account number because I haven't received it from the new mortgage company.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have not contacted Huntington at this time due to them not being opened at this time. On XX/XX/2023, I attempted to deposit {$1200.00} to the ATM on the outside of my local branch. I did another transaction of {$380.00} since it can only read XXXX bills at a time. The first transaction read as {$1000.00}. The second transaction was accurate however.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (VA)

I had applied for a new credit card for balance transfer. I have attached screen shot of false marketing and gimmick Citi bank is doing. 

I have pristine credit report and usually XXXX of fortunate ones to have XXXX. 

So I applied for balance transfer and my application was immediately approved. 

To my disbelief i only got {$500.00} for balance transfer. So I called them, why and they wouldnt not say why i was given only {$500.00}. The promotion of XXXX balance is only for first XXXX  months. They said they don't have details about my credit and can't disclose why it is like that. They can't increase my credit limit for XXXX months since i opened the account just last week. 

I had similar request from discover credit card and they approved with correct balance transfer of XXXX. 

I think i am educated but lot of malpractice is happening in Citi XXXX cards and not complying with federal practice of fair lending. They are misleading consumer with XXXX % balance transfer etc. 

They also did hard pull on my account and are not accountable for it. 

Attached screen shots and you can google it also.
Consumer complaint received 2022-11-27
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 have made many complaints/disputes to TransUnion regarding XXXX reporting inaccurate and unfair information on my credit report. TransUnion has conducted superficial inquiries regarding this matter. I have asked repeatedly for them to conduct a reasonable investigation regarding an unfair report of a 30 day late payment-XXXX XXXX, due to the creditor 's lack of proper notification to present the payment coupon ( sent to a wrong address ) which resulted to the creditor not properly notifiing me in a timely manner. I have sent supporting evidence and attachments via mail to TransUnion. They must conduct a reasonable investigation of this mishapes and correct the error on my credit report. TransUnion contacting and accepting XXXX 's swift response without evidence of substantiated verification of the 30 day late is not the proper course of action that is acceptable per previous judicial hearings.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised report
Consumer complaint received 2024-04-23
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: BARCLAYS BANK DELAWARE (CA)

XX/XX/24 there was an inquiry made on my credit report from a barclays bank in Delaware and also XXXX XXXX  for a credit card that was not done by me. I have reached out to both companies to have inquiry removed and to put a stop to applications. They granted the termination of application, however, they said they can not remove inquiry from my credit report
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

This is a follow up to an earlier complaint that I posted today. I just called Synchrony Bank and they told me that my minimum payment per month has been raised from {$30.00} to {$80.00}, because of the accrued interest fees. Given that I have been filing complaints against their company for the past few months, they shouldn't be charging late fees or interest charges at all until the issues with my disputed transactions have been resolved. Their policy states that they don't charge interest or fees for amounts that are in dispute, so by charging me interest on my total bill, they are violating their own rules. They have also been charging me late fees for missing the payments of XXXX and XXXX. These fees may be the reason why my bill is so high. During my phone call, the call was disconnected in the middle of my conversation with the representative. I am positive at this point that Synchrony Bank 's phone moderators are disconnecting my calls with their representatives on purpose. This happens way too often, and the phone I am using is brand new. On so many occasions when I call them, the calls get disconnected. I have no doubt that their phone moderators are doing this on purpose.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Transunion about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA XXXX, in my understanding, necessitates the elimination of any incorrect accounts from my credit report. Would you mind verifying the documents? Certain listed accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

I contacted PayPal to disable the feature that lets you log into your account with just a text code & they refused. I said what happens if I lose my phone, someone can get into the phone by say an easy password, no password or weak phone security. They said you need to call us. I said, no, just disable that feature & allow for use of a password only. They said they could/would not change this for me. 
I believe they are operating in a very dangerous manner, exposing millions of users to potential theft this way. 
My account was connected to multiple bank accounts & a credit card.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

Given I signed up for an XXXX Credit Card, FNBO opened XXXX accounts, even though I only signed up for XXXX. I tried to address this issue with the bank but they said that they can close it but they are not willing to refund the 'Annual Membership Fee '. This was a mistake on the bank 's part because I only intended to sign up for XXXX credit card.