davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I was traveling to XXXX. My flight landed in XXXX XXXX and I went to the nearest ATM to withdraw pesos ( in the airport ). The ATM successfully went through all steps and ultimately arrived at cash disbursement phase. 
At the time cash should have been disbursed, the ATM made a rattling/clicking noise and showed an error screen. It also printed a receipt showing I received my cash, when I, in fact, did not. 
I took a picture of the receipt, a picture of the ATM 's number, and tried to contact the XXXX bank via email, calls, and their XXXX page. I never received a response. 
My next step was to contact Chase, who conducted an investigation and informed me of " compelling evidence that I received my cash and would not be refunded. '' I feel unprotected and worried to use an ATM again. What if this were a larger transaction? Ultimately, this was only {$100.00} plus the Chase {$5.00} transaction fee and another {$3.00} FX conversion fee. 
Chase 's dispute process is so friction-filled that it's demotivating for myself and consumers, in general, to file disputes. They gave me a last resort of faxing my receipt to Chase. I do not have a fax machine and have been traveling for many months. The receipt also says that I received the funds, which I stated multiple times throughout this process- it would not be useful evidence.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (LA)

I entered a consumer credit transaction with SANTANDER and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SANTANDER claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SANTANDER has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me
Consumer complaint received 2021-05-25
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: CITIBANK, N.A. (KY)

I spoke to a representative for Citibank in XX/XX/2021 for any relief options available for both of my exceedingly delinquent credit card accounts ( Citi XXXX credit card ending in XXXX and Citi XXXX ending in XXXX ) due to Covid-19 unemployment. The representative offered a payment plan and with that payment plan, my accounts would be what he referred to as " re-aged '' after 3 consecutive monthly payments, after which my accounts would be reported as current. With a small sigh of relief, I accepted the payment plan for both of my only two Citi credit cards. After seeing my credit score drop to an incredible XXXX, on XX/XX/2021, I called to check when I could expect my accounts to be re-aged and brought current. I was promptly informed that my accounts were not in a re-aging program and that I was provided misinformation for my payment plan. Certain there was a mistake, I called back the next day and requested to speak with a supervisor. I was connected to the " escalated info team '' and was given the same answer. I then requested that the 6 delinquent payments that had been reported to my credit since XXXX be removed due to the misinformation I received when I accepted the payment plan. I was declined my request. I would have managed my finances much differently, to pay the lesser delinquent balance so as to not have 2 delinquent payments reported per month, as well as made substantially higher payments.
Consumer complaint received 2024-03-22
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. (TX)

I was a victim of identity theft. I contacted the credit bureaus to report the fraudulent activity and they failed to address the issue. There are numerous fraudulent accounts that are being reported in my name that are not mine and should not be on my credit report. I sent them all required documentation along with the proper identity theft filings. I really need this misinformation removed from my credit reports immediately. This is causing me a great deal of stress.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MD)

I discover that my money was wired back in XX/XX/XXXX in the early XXXX, after I lost my job during the Covid disaster, and I report to the bank and citi bank said FDIC will not insure if I don't report within a month from XX/XX/XXXX. However, I use citibank as my backup saving bank for disaster when I lost a job, so I try to get my money to paid for tuition, and mortgage, and than I realize the {$20000.00} was wired by a fraud activity. I lost the job, and now people steal my money, and citibank deny my claim, and I never receive any monthly bank statement. and they said I should check online all the time. and I have dispute the claim, and they still said I should read the client policy, that I was notify to report the fraud with in a month, when I open the account, most of the time, when we open a bank account, they gave us more than 10 pages, and who will read all the policy, and that is why FDIC insurance for accident or incident like mine. so I wonder how to get my lost money back from Citi bank, and I have been on the phone with them back and forth more than 10 times, and their customer service is very bad and transferred me to wrong department.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Over the past year I have been trying to severe my 22 year relationship with Citi regarding my charge cards. Citi issued unauthorized cards after I told them I wanted all accounts closed. After many calls with Citi, including their fraud department, I paid an undisputed balance as a payment in full amount on all three accounts I had two of which I never asked for nor activated. Citi cashed the Payment in full check than proceeded to keep attempting to collect more including various fees they kept adding even though they knew the balance was all in dispute. Citi has relentlessly harassed me with as many as 7-8 calls daily on my home phone, cell phone and messages app.They have become increasingly aggressive and may have negatively influenced my credit ratings.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I ordered a bedroom set with XXXX XXXX through my Synchrony bank Credit Card store card. 
The delivery men delivered 4 of the 5 pieces into the room upstairs. On the 5th piece of furniture, I advised him to please becareful with the walls, I noticed he hit the walls with other pieces and the blinds causing damage. He right after said he needs to call customer service to have them have me sign a form. I advised him sign a form for what? He said to release liability, I advised him 4 of the 5 pieces are already delivered in the room, shouldn't this have been done in the beginning. He said yes, but it wasn't and now they are requesting it. He said I need to sign the form to have all pieces delivered, if not he will have to take all other pieces out of the room and i will be charged a 15 % restocking fee. I advised him I didn't agree to this nor sign for anything. He said I could take this up with XXXX XXXX and went upstairs and removed the 4 pieces already delivered. I have been disputing this with XXXX XXXX and Synchrony, but no response just the balance due to Synchrony. They're not wanting to assist nor provide any proof that this is due, but the balance keeps appearing on my credit card statement.
Consumer complaint received 2021-05-25
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. (FL)

I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX ( XXXX XXXX XXXX in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} XXXX  XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.
Consumer complaint received 2021-05-25
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. (FL)

I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX  ( XXXX XXXX ) in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} XXXX  XXXX XXXX ( XXXX ) in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.
Consumer complaint received 2021-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company (CA)

Hi, I have been informed when I started myForbearance Plan that my credit score will not be affected. This has also beenwritten in your Forbearance Plan that credit scores will not be affected.

The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ).

I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair.

Please, I am looking forward to helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX LOAN # XXXX
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Zillow Group Inc. (MI)

On XX/XX/2021 I made my first mortgage payment to Zillow Home Loans. With the normal payment I made a {$96.00} extra principal payment and an extra {$50.00} to escrow. This reduced my principal balance to {$200000.00} and increased my escrow balance to {$3500.00}. On XX/XX/XXXX I was notified that my loan was sold to XXXX XXXX, a servicing company associated with XXXX Mortgage. I received my first statement from XXXX XXXX and discovered that the extra principal and extra escrow were both missing from my initial statement sent me from XXXX XXXX on XX/XX/XXXX. Attached are copies of both the Zillow Mortgage Company and XXXX XXXX. 

I have filed a complaint with you for XXXX XXXX but now realize that perhaps Zillow failed to inform them of this missing payment of extra principal and escrow. I have yet to receive a resolution from XXXX XXXX so I wanted to submit this complaint so Zillow would have to answer as well.
Consumer complaint received 2021-05-24
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: DISCOVER BANK (WA)

DISCOVER CARD ISSUED ME A SECURE CARD, I DISPUTED A CHARGED OF XXXX from a unauthorized merchant, I also had a bunch of other unauthorized charges, but I also have some authorize charges, so instead of issuing me a new card, and stopping all unauthorized charges, Discover has allowed the merchants to continue to charge me so every month my balance due is overstated by the unauthorized charges, then if I make a payment to Discover on. Friday afternoon, the money disappears instantly from my checking acct, but it never shows up on Discover up until on next week on Wednesday, which is atrocious, yet I am trying to build my credit and have to accept this predatory lending, in addition, I used to have a Discover Card with my Domestic XXXX XXXX and apparently he also had a second card with his father since they co-mingle ss # and someway somehow is affecting me in getting credit, yet I am been penalized for inaccurate info everywhere
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-24
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. (TX)

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX XXXX
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding unknown and inaccurate items on my credit report and after 60 days I still have not received a response yet. I feel like I am being taken advantage of and being intentionally ignored on my disputes. Section 611 ( a ), It simply states that a failure to investigate those items within 30 days gives a reason to immediately remove promptly, I demand those accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also breached and may have got into the wrong hands.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

The car loan is in my name but is my son. When covid hit my son list his job XXXX XXXX XX/XX/2020 .. then he got part time work and caught up. The hospital closed he worked at due to covid. We called credit acceptance whom stated we pay $ XXXX monthly to keep account in good standing. We immediately started paying full payment in XXXX when my son obtained a fulltime position. I have disputed the late payments showing on my account they stare accurate. This is not accurate at all and hurting my credit and ability to obtain mortgage.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2021I used PayPal to make two purchases from what looked to be wayfair. The purchases totaled {$98.00} and {$97.00}. I utilized PayPal to make the purchase. After 3 days I reached out to the company about my order and to get a tracking number but did not get a response. On XX/XX/2021 I went back on to the website but when I went on it, it showed a warning that the site was a phishing scam site. So I filed a dispute with PayPal so that my money would be refunded. I included pictures of what the site is now saying when I go onto it. PayPal emailed that they would get back with a response. XX/XX/2021 PayPal emailed me that the seller provided a tracking number and now I have to contact them. I got back to the sellers website and it no longer exists. Also the tracking numbers given both show that they had been delivered XX/XX/2021. It doesnt show that they were delivered to my specific address, just shows it was delivered to a city and zip code and in or near the mailbox. Nothing from this company was delivered to me and if it had been, there would have been several boxes as I ordered an 8 piece patio furniture set and a gazebo. PayPal now wants me to contact a seller that doesnt exist and will not refund my money because the seller provided a false tracking number. Also should note that I have a video of the mail collected on the presumed date of delivery and also have alerts directly from USPS showing exactly what is coming to the mail and how many pieces are in the delivery for XX/XX/2021. Also the tracking numbers both have separate places of origin as well as 2 different sellers but were ordered from the same place. I will be providing these as evidence to support my claim as well as providing a copy of my identification to show that my address is accurate as well as my name.
Consumer complaint received 2021-05-24
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: Fidelity National Information Services, Inc. (FNIS) (CO)

XXXX XXXX XXXX reported to chexsystems for a bounced check. I paid this amount and this is still showing up on chexsystems. This is giving me a hard time to open up any bank accounts which is messing up my life. 

XXXX XXXX XXXX has been bo help. I filed a dispute as well with chexsystems.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hi, Thank you for taking this complaint. 

I opened an account with Citi, using their online system, to earn a {$400.00} Bonus for my new {$15000.00} funded Checking / Saving Account after 90 days. After opening and depositing my {$15000.00} new money, I had to call to obtain access to my account online. During this and a second call with them, I confirmed eligibility. After waiting 3 months, I contacted about the bonus, they said I need to wait up to 3 months for the bonus to appear in my account. After waiting further, they say my account is not eligible because I have a priority account, which requires {$50000.00} in savings. Apparently, they opened the wrong account for me initially and will not fulfill the terms I agreed to. Their mistake has cost me months without access to my {$15000.00} and several hours on the phone disputing the issue. Their website could have a simple bug which should lead to a simple apology and correction, but now feels like it's a bait and switch mechanism to fraud people. I just finished a call with the sales department, they said nothing can be done now that the terms have ended, I disagreed and asked for a supervisor, he reluctantly sent me on hold to the supervisor, but like I've had several times, the call went blank and disconnected. Many calls with the company are left to wait and disconnect, very frustrating.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

Chase bank will not allow me access to my funds due to an address change. I purchased a home on XX/XX/2021. I moved in on XX/XX/2021. I am purchasing a car on XX/XX/2021 and I need my daily purchase amount increased to pay the car deposit amount. It is over my allowable daily limit and the charge will be denied if the limit isnt increased. I called chase and made the request for a temporary daily limit increase to the car deposit amount. I was denied an increase and thereby denied access to my funds because I updated my account with my new and current address. If my address was not updated i would be approved for the increase. I asked for a manager. The senior analyst was given the call. Her name was XXXX. She also would not override the system even after I told her I purchased a home which is why my address was updated. I was told I have to go into a branch. I advised XXXX do not even have a car. Additionally, I requested my daily limit to be permanently increased 2 weeks ago and was denied. I have had to call in for a temporary increase too many times which is why I requested the permanent increase and to also avoid issues such as this. If the increase was granted, I wouldnt have this issue today. Every time I need to make a purchase over the daily limit of {$3000.00} I have an issue. I shouldnt be denied access to my own money, most particularly if the reason is because I updated my account with my. Ew address. It makes zero sense. It is horrible customer service and chase has likely lost a customer as a result of this.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC (FL)

I have been getting phone calles from this company saying I owe them money. I have never opened a account with them and now call me countless times every single day saying the same thing over and over again about me owing them money. When I explained to them that I have never opened a account they said for me to contact you on this site and the phone call will not stop until I pay.