davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (GA)

Before I purchased two autographs on XXXX, there is [ and still can be seen ] an offer for 0 % APR on purchases paid in full [ 6 months ] on balances of {$99.00} or more. I have applied for this offer and received it in the past. 

The problem now is that when I won these two auctions, this promotion was advertised ; however, when I try to use that card for that rate and that promotional deal now, it has been switched to 5.99 % APR for 12 or 24 months. There is no 0 % APR financing for any amount of time available now that the items have been won. Somewhere in the XXXX Credit system , they have switched the promotional rate without my consent. I have taken screenshots. 

To see this offer as advertised, simply search XXXX XXXX XXXX. Look at any card over {$99.00} and scroll down to payment information. There, one can see the 0 % APR for $ 99+ purchases if paid in full by 6 months. Now that I have won the auctions, the terms are not the same as when I bid on the auctions! 

I have contacted both XXXX and XXXX and both blame the other. Customer service at PayPal Credit was an absolute joke. The number for XXXX they provided was a disconnected number for another department other than credit, promotions, and payments. The supervisor could not dial out and connect me with XXXX herself to circumvent this complaint. 

I've been on hold with XXXX for an hour. They can't seem to get a supervisor on the phone to take the issue directly. Now I'm at risk of unpaid items and losing the items at XXXX or I am forced into financing the cards at a bait-and-switch rate that I did not agree to finance! 

When I first contacted XXXX they said that the financing rate was no longer available. I then immediately took a screenshot following the procedure above. Seach item, find one for $ 99+, and one can see the offer of 0 % APR for 6 months on purchases of {$99.00} or more. 

Why XXXX and XXXX Credit have switched it and why the parties can't connect to resolve this seemingly EASILY CORRECTABLE ERROR are anyone 's guesses to answer. 

This is not the first time I have had issues with XXXX and XXXX Credit. In the past, they billed me for individual items at XXXX so XXXX was charging me interest without my knowledge on purchases over {$99.00} to one seller. These two are infamous for their bait and switch marketing practices as well as ineptitude in resolving these problems.

I want the 0 % APR for 6 months as they advertised when I won the auctions!
Consumer complaint received 2022-01-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Im XXXX dollars behind on payments to second lien. Select portfolio servicing SPS is the servicer, and they have been so difficult during the entire repayment of months of my needing to repay due to Covid 19. I cant see the repayment plan online, nor through the app. XXXX month they took two payments out instead on one but I let them but then I got confused as to what month was due so I was about to make a payment for XXXX before the XXXX because I know it is due no later than the XXXX when I received a letter I am in default!!! Like I said they confused me taking two payments in one month and I can not view into regarding the repayment plan to ensure Im On track. Its hidden information. I have lived here since XXXX and bought it in XXXX XXXX fet begins during Covid now they are trying to take my home I was making the payments like I said I got confused. I receive no statements regarding the repayment plan etc... they want to take my home because they see it has equity I cant get to because my credit took a dive during Covid. They are backing me into a corner. This lurk comes to maturity in XXXX. Why didnt they just let me apply for a loan modification instead of this repayment plan given the situation? I was able to get a job XXXX XXXX XXXX this school year betting about XXXX a month plus planning to teach XXXX XXXX so making great money but SPS is trying to take my home and capitalizing on financial duress caused by Covid 19. What they are doing is not Only wrong ethically but possibly breaking laws. They are pretending to work with me but trying to trick and confuse me through the entire process. They sent me a form for short sale out of the blue, I guess hoping being confused might even sign it. Unsure but they are threatening if I dont have XXXX by thenXXXX they are basically taking my home. Please please help these bullies from taking my home
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skyline Financial Corp. (MD)

I continue to receive phone calls from debt collectors that I do not owe. My identity was stolen a few years back and I have been trying to fix it ever since. I have paid all of my past debts but yet I keep receiving calls from accounts Ive never had.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (CA)

On XX/XX/XXXX, I applied for a personal loan through their website. I was approved after XXXX steps, and then I went to verify my bank account. Only after this step, it was revealed that there were points / Origination Fee that were not upfront. It was only until today, XX/XX/XXXX, that the Best Egg Loan Agreement and Promissory Note were sent over to me via email. 

This practice is deceitful.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

Contacted Student loan debt collector ( XXXX XXXX XXXX Credit Reporting department in regards to reporting on my credit report. Requested under the Privacy Act, 5 U.S. 552a, to not disclose my personal information to any 3rd parties. Such as Affiliates, Non Affiliates, Joint Marketing, Credit Bureaus, any other companies. 

XXXX XXXX sent me an email on XX/XX/2023 stating Your XXXX XXXX loan listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX, XXXX reflect on my credit report Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

When I asked specifically for XXXX XXXX not to report it. Why are the laws set in place if companies can just respond like this after asked not to. Especially when i am the original creditor. Also sent the company a letter in regards to dishonored negotiable instrument violations, if the negotiable instrument is not accepted then XXXX XXXX is to discharge the debt, company refused both and no correspondence. Will be also sending this information to the IRS whistleblower.
Consumer complaint received 2022-09-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a mortgage with Wells Fargo Bank on or about XX/XX/XXXX. I originally applied with my mother being on the loan. I was told that we didn't have enough assets in a letter I received dated XX/XX/XXXX by XXXX XXXX XXXX. I was also told by XXXX and XXXX XXXX that the down payment would be XXXX using a conventional loan and then XXXX using the VA. However, the automated system that comes from Wells Fargo to my online banking stated, that the estimated down payment would be XXXX. XXXX XXXX told me that because I was attempting to by an investment property the down payment is doubled. The property that I was interested in buying is a multi-family home however, I would live on one-side and my mother on the other as our primary residence. I asked repeatedly how much was left from my VA entitlement, and XXXX would not say. He kept telling me that it depended on the under writer. I fussed at him because I was totally upset at this point and knew that he was intentionally withholding information. When I asked him to do an application by myself he claimed I didn't have enough assets and estimated my assets to be {$23000.00} and told me the only way I could do anything would be to sale my condominium. He even lied and said I checked on the application that I was selling my condominium when I would have never did such a thing considering I just started renting that property this year in XXXX. Later, when I finally received the denial letter on XX/XX/XXXX. The denial letter didn't include my Mother as co-borrow, and I never received a notice from Wells Fargo showing credit scores used to determine approval or denial. My grand-daughter looked at the denial letter and determined it was fake! The three main pages of the denial letter were generated are watermarked by XXXX. I have been a member of Wells Fargo since XX/XX/XXXX and have never seen documents watermarked by XXXX. On the document it states that the denial was decided on XX/XX/XXXX and I believe this is either the day I applied or the day after. However, I received the denial letter XX/XX/XXXX which has an assigned loan number. The requested loan amount on the denial letter was not any amount I requested. The requested loan amount on the denial letter was {$480000.00}. The grammar throughout the letter is inaccurate. The bottom of the pages of the same denial letter have different dates and different years. Above the delivery address it shows a file named XXXXDeclination as a file name nothing stating Wells Fargo except the sending address and blurry black and white logo. After I started asking questions and revealed that I was suspicions of XXXX my entire loan application was removed from Wells Fargo online banking on XX/XX/XXXX. Please assist me with this matter. 
matter.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

Chase offers XXXX XXXX XXXX XXXX. I availed the card XXXX and booked ticket for my wife on XXXX XX/XX/XXXX with XXXX via XXXX using the chase card for to and fro ticket for travel to XXXX between XXXX XX/XX/XXXX and XX/XX/XXXX. We paid {$1000.00}. 

My father in law had final stage XXXX so my wife wanted to see him. In XXXX I got a call from XXXX that his condition was worsened and therefore I had to send my wife to XXXX on a different ticket because changing XXXX ticket on new days was costing us additional {$3000.00} as difference amount while a separate itinerary costed us {$2300.00}. My wife traveled between XXXX XX/XX/XXXX to XXXX XX/XX/XXXX to XXXX on different ticket. 

XXXX / XXXX refused to refund or extend ticket to different date. So for trip protection as per card policy, I filed online claim with Chase online portal eclaimonline on XXXX XXXX with claim ref XXXX. I submitted every single document they needed right on XXXX XXXX. 

Every time I login, I would see a message that claim would be assigned an investigator and adjudicated in 5 days but those 5 days are now till XXXX XXXX. While I am told that the claim in on the way to be paid, I am told that there are staffing issues with Chase to process claims. 

If someone is contracted to provide service, staffing issues should not be something customers have to suffer for.

I wrote to chase CEO office on this on how they are going to fix this but so far I have not got any suitable response on this.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MacDowell & Associates, Ltd. (GA)

I HAVE A GARNISHMENT AGAINST ME FOR AN APARTMENT I NEVER RESIDED AT. MACDOWELL & ASSOCIATES ARE GARNISHING MY WAGES FOR AN APARTMENT MY SISTER LIVED AT. THE APARTMENT CAUGHT ON FIRE DUE TO AN ELECTRICAL ISSUE. THEY BEEN CONTACTING MY SISTER ABOUT THE DEBT BUT SUEING ME IN COURT. THE ONLY TIME I AM FINDING OUT ABOUT THE DEBT IS THROUGH MY EMPLOYER.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harvest Credit Management VII, LLC (MD)

Good Morning I had an account with XXXX credit card through XXXX in XXXX DE back in 2006. They were paid off and my credit report was reporting a {$0.00} balance for all 3 bureaus. ( Please see attachments. ) Since then other companies such as XXXX XXXX and Harvest Credit Management has been harassing me. Harvest placed a judgement against me in XXXX XXXX District Court, it remained there and then it was discharged ( Please see attachments ) This account is almost 14 years old. The Credit Bureau suggested that I go to court and show the judge they all were reporting a {$0.00} Balance for this account after their investigations. I am in dire need of your help, I am XXXX XXXX years old, I have a job but now Harvest Credit Management has sent wage garnishment to my employer so they are threatening to do. How long can a person be harassed? almost 14 years. I have a check in which I paid them, a letter I sent to the Credit Bureau etc. ) Please help me
Consumer complaint received 2019-11-28
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: Experian Information Solutions Inc. (PA)

I have tried for the past 6 months to have this issue resolved with my credit report with no avail. XXXX XXXX ( Original Creditor : XXXX ) XXXX. This account is reporting innacurately and has been reaged. I have attached this account on my credit report as proof Experian is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX XXXX  is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XXXX XXXX I had got a message on XXXX from a friend that I know and trusted asking if I wanted to make some extra cash? I said yeah I am, and I did not know his Instagram account was hacked and it was the scammer that was contacting me with his account. Told me he did an investment with this guy on XXXX, gave me his name and to message him and told me that this guy will explain it all. I fell for it because I thought my friend was messaging me and knew my friend would not lie about something like that. I got in contact with the person that was saying he was investing with binary trading. Told me he could flip the cash into more and I would just pay him a percentage out of it. I even talked to him over the phone on XXXX, I sent {$1000.00} through XXXX and waited, then there was nothing deposited yet, he then messaged me saying a XXXX irs fee that will be refunded, and I told him I didnt have that much that I only had {$400.00}. He told me to send the {$400.00} and XXXX help with the other {$300.00} since Im a first time customer. But I sent the {$400.00} to a different name and a different XXXX  account. And he kept telling me to wait a sec and I was waiting. He then told me to go to my settings and to change my email address and I did not know what I was doing and he got into my XXXX account and logged me out and I tried to get back in and he had already changed my password and phone number and email address that was associated with my XXXX account. I can no longer get into my XXXX account, and the scammer is now using my account to message my friends on XXXX and trying to scam them as well. As soon as I was logged out of my account I knew I was scammed and I immediately contacted my bank and told them what had happened and they filed a claim for me and today XXXX XXXX I called the bank to check on the status of the claim and told me that my claim was closed due to me making an authorized payment through XXXX. I asked my bank what I would need to do now but told me there was nothing I could do that my claim was closed and that I was not gon na get my money back.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was the victim of fraud but the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing Bank of America, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX, my wife deposied a check for {$30.00} via USAA 's mobile app. The application accpeted the picture and deposied the check into our checking account. On XXXX XXXX, XXXX USAA took the {$30.00} back in the form of a " Return Deposit Item. '' Then on XXXX XXXX, XXXX the chearged us {$5.00} for the " Return Item Fee. '' On XX/XX/XXXX I called USAA and spoke to numberous people about this situation and eventually one of the people refunded the {$5.00} fee. I called back on XX/XX/XXXX and spoke to a " manager '' from USAA and she was able to find and acknoweldge that nothing was wrong with submitted picture of the check we sent in. 
Therefore, we did everything correctly and I asked for USAA to get us our money back. After many phone calls and escalations to some bogus " Executive Resolution Team '' we are still without our money. The manager I spoke with said the money would be sent to our account in a few days. I waited a few days and never got the deposit so I called back. This time, whoever answered the call said it takes up to 10 business days to receive the money. Ok, so we waited again. Today, XX/XX/XXXX, we still have not receieved the funds and called back. This time, they told me to mail in the check. 
I have told every single representitive that this whole issue and the reason I have been calling for weeks is because after we got the sucessful deposit message from the USAA Mobile App and after the funds were in the account we destoryed the check. We have no way of identifying who sent it and/or how to go about getting them to re-issue the check. 
This is USAA 's fault from beginning to the end. They have the full and proper image of the check within their system. THEY should do the necessary legwork and hunt down the information they need to return the funds they stole from me.