davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (HI)

On Friday, XX/XX/2021, around XXXX XXXX  I submitted two orders for cash back through the Chase Ultimate Rewards program. I got an email stating that on XX/XX/2021, my order was received and accepted. Within one day I received statement credit in the form of cashback for only one of the orders. The second-order never showed. I called Chase immediately on XX/XX/XXXX to check on the status. A customer service representative told me to wait 3 business days for the credits to post to the account. After the third day, I called Chase again and I got the same response. I followed up a week later still without any sign of the statement credit. Finally, on XX/XX/2021, I called Chase and was told that they can not do anything about this issue. It is stated on the Chase website that statement credit takes 3 days to post to the account. It has now been over 2 weeks. I am due a total of XXXX points in the form of a statement credit of {$680.00} and still to this day have never received the said credit.
Consumer complaint received 2021-06-19
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. (NJ)

On XX/XX/2021, I sent I sent a letter regarding unknown and inaccurate accounts on my credit report. To this day, I have not heard from Equifax. I have not received a response I feel like I'm being taken advantage of and being ignored. Section 611 ( a ) plainly says that the bureaus have 30 days to investigate. since they fail to do so gives a reason to immediately remove those accounts off my report. it has been over 60 days, so they should be deleted immediately. I demand these account to be deleted or I will file legation due to the stress that has caused me.

In addition to that, my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (FL)

I mailed a check of {$1200.00} to the Lender AmeriCredit dba GMC Financial for endorsement. This Check was made payable to XXXX XXXX 1st the 2nd line was AmeriCredit. I told the Auto Insurance Adjuster to make the check payable to me. I sent the check with a letter requiring the proper endorsement, so that I could deposit this check in my bank account. This Lien Company was included in my Chapter XXXX Case XXXX XXXX XXXX XXXX Chapter XXXX trustee. The vehicle was sold at auction ( SALVAGE TITLE ) months prior and no Active Collections efforts should have been made. I'm filing a complaint with because the Lender had no right to my check after I fought with the adjuster with the Insurance Commission to make him compensate my for my loss, the car caught on fire, and was left with a vehicle. The state of Florida Shut down XXXX XXXX Auto Insurance.  XXXX XXXX was the adjuster.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, I was the victim of a sophisticated unauthorized wire transfer fraud/scam. An unknown 3rd party hacked into my online banking account and began adding fraudulent Payees ( up to 7 or 8 people ), enrolled in wire transfer services, and began making unauthorized wire transfers out of my bank accounts.

This ultimately resulted in two successful fraudulent wire transfers made from my personal bank accounts with Citibank - the first in the amount of {$1900.00}, the 2nd -- which Citibank did not catch upon my alerting them of the first fraudulent transaction -- in the amount of {$1000.00}. 
Upon realizing what had taken place, I immediately called Citibank fraud to officially report the unauthorized wire transfer in the amount of {$1900.00}. The bank failed to notice, or alert me of, the 2nd fraudulent wire transfer which had taken place on the same day in the amount of {$1000.00}. 
It wasn't until I went into a local Citibank branch the following day XXXX XX/XX/2021 XXXX to prove my identity and close the impacted accounts that the 2nd fraudulent wire transfer was noticed by the branch manager. I then officially reported the 2nd wire transfer with the help of the branch manager. Despite the fact that I was a victim of a very sophisticated illegal wire transfer scheme by a 3rd party who did an excellent job impersonating Citibank personnel and departments, Citibank has informed me that NONE of my funds are protected, and that there is a very good chance that none of the funds ever get recovered as a result of their investigations which is unacceptable.
Consumer complaint received 2021-06-19
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. (OH)

there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in XXXX  for 2 years during this time and they refuse to remove it
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (DC)

The deferment, or forbearance, offered by Chase bank, because of the CV 19 circumstance, requires that I pay in FULL XXXX months at the End of the deferment, instead of rolling into the loan. This makes NO sense whatsoever! Im furious
Consumer complaint received 2022-12-30
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. (CT)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-06-19
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. (NC)

Equifax reported unfair and inaccurate information with a total disregard to my right to privacy on my consumer report in the form of 11 unauthorized inquiries dating back to 2019 and this is unacceptable and in violations of my consumer right pursuant to 15 USC 1681. The inquiries were eventually deleted after continuous disputing and deletion is admission to law violation! I never gave written instruction to any consumer reporting agency or person to report this information on my consumer report pursuant to 15 USC 1681b. I, the consumer is aware and have proof that equifax is civilly liable for any actual damages sustained by the consumer for knowing noncompliance 15 USC 1681n. Affidavit of Truth sent to equifax was notarized and signed.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

on XX/XX/2021, I sent a letter to Convergent Outsourcing requesting requesting legal documents about this alleged debt they claim I owe them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They sent me some statements, but fail to provide me with the original application therefore they need to delete this account from my credit reports
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Late last month, as a response to the economic fallout of the coronavirus, the CARES Act postulated that mortgage borrowers with federally backed loans can seek forbearance for up to XXXX months, at the end of which they can get another half a year of suspended payments. 

As nearly XXXX XXXX Americans filed for unemployment benefits in the XXXX half of XXXX, the start of the new month, when bills usually come due, caught lenders somewhat unprepared to handle the influx of mortgage assistance requests. 

On XX/XX/XXXX, an email from Wells Fargo landed in my inbox. In part, it read, If youre unable to make your payment due to COVID-19 related hardships, were offering a XXXX-day payment suspension. 

So, I called Wells Fargo to ask for information, regarding my mortgage, I was offered to suspend XXXX payments without penalty XXXX months of forbearance. 

However, at the end of those XXXX months, all my mortgage payments would be due at once. I told [ the bank representative ] that didnt sound very helpful. I explained I had only called to see if there was a way for me to hold onto more of my cash should I be laid off. 

So, forbearance would grant me a XXXXmonth program ; at its completion XX/XX/XXXX, I will have to pay them approx. {$12000.00} [ or the ] equivalent of [ XXXX  ] mortgage payments. If I cant pay it now, where am I going to get 4 months worth. Im glad [ you are ] looking out for us. 

I told the rep I might as well just keep paying my mortgage on time. He said he could activate [ forbearance ] as a backup plan just in case I needed to delay a payment, which I agreed. 

But not sure I really had a choice.
Consumer complaint received 2021-06-19
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. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.
Consumer complaint received 2021-06-19
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: HSBC NORTH AMERICA HOLDINGS INC. ()

Hi there, I spoke to a lady on the phone from HSBC 8 weeks ago today, she agreed that all late payments from my account would be removed and reported to the credit agencies, also, I am currently carrying a XXXX balance on said account and is still showing that I owe XXXX when Ive paid it all.
Consumer complaint received 2020-04-07
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: FCI Lender Services Inc. (NY)

I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I have a Citi Bank Accelerate Savings account for more than 2 years now. This account was opened with Citi Bank over 2 years ago. The W9 form for my Citi Savings account was submitted to Citi Bank when I first opened this account 2 years ago. My W9 form has clearly indicated that I am NOT subject to tax withholding. In the past 2 years, my Citi Savings account has never been deducted with any tax withholding. However, this month in my XXXX statement, I found that Citi Bank deducted {$29.00} tax withholding from my XXXX interest of my Citi Savings account. It is totally wrong and Citi Bank error. 

Actually I even called Citi Bank yesterday and inquired about my newly opened Citi Priority Checking account. I was told by Citi Bank representative that I already have my W9 form on file and this W9 form is good for both my Savings account and my newly opened Checking account.

However, today when I checked my Citi online account, I found that Citi deducted tax withholding from my Savings interest for the first time over the past 2 years. Then I called Citi Bank again, but this time Citi representative told me the total opposite that no W9 form is on file in my Citi account now. It doesn't make any sense at all, and apparently Citi Bank somehow made an error or mistake by getting my W9 form lost on file.

I request Citi Bank to immediately resume my pre-existing W9 form ( NOT subject to any tax withholding ) and also refund the {$29.00} tax withholding back to my Citi Savings account immediately.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

In XX/XX/XXXX I purchased an XXXX laptop from XXXX XXXX XXXX XXXX. The payment is due on the XXXX of each month for {$60.00}. The account has never been 30 days past due. I usually pay the bill around the XXXX of each month. 15 days past the due date. Starting on the day after the due date or the XXXX of each month they start calling, Today the XX/XX/XXXX they called my cell phone thirteen times. This is normal for Conns if its a day past due. I used my cell for work and can not be getting constant collection calls. It will be paid at the same time each month.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

In XX/XX/2018 I received a {$50.00} Bill Pay offer from BBVA. The terms specify that I must make XXXX qualifying transactions ( at least {$10.00} to a party other than oneself ) from the same Bill Pay account before XX/XX/2018. I made payments to XXXX/XXXX/XXXX XXXX  XXXX all on XX/XX/2018 but never received my {$50.00} bonus. I have contacted BBVA numerous times regarding this issue.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have a debt collection reporting on my credit reports for an account that I never authorized. Based on the remarks listed, the account originated from a financial institution that I never opened an account with. This debt does not belong to me.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Penn Credit Corporation (FL)

This was first deleted in XXXX for not being my account. Then it re-appeared and PENN CREDIT CALLED ME ABOUT a supposed XXXX XXXX XXXX XX/XX/XXXX old electric bill. I have lived in Florida for 5 years and this is not only not my bill but worse? 
They NOW put it down as NEW 30 days past due & a NEW LATE PAYMENT MISSED! 
This destroyed My score since it was a 5 year old collection now as THREATENED IF NOT PAID WAS Reported as a NEW RECENTLY UNPAID BILL. 
Please DELETE THIS EITHER IN ENTIRELY OR IF YOU CAN NOT THEN THEY MUST SHOW THIS AS UNPAID AS OF XX/XX/XXXX THE LAST MONTH I LIVED IN NJ? WHICH IT IS NOT RIGHT EITHER. AT LEAST IT WILL NOT HURT MY SCORE AS THIS FRAUDULENT THREAT WAS CARRIED OUT TO MIS REPORT AS A NEW MISSED PAYMENT!
Consumer complaint received 2020-04-07
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)

~In XX/XX/XXXX, I submitted a request to have deletion of unverified information ( XXXX ) removed from my account ~XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information from XXXX was reinserted on my credit report and I had not received any correspondence from the credit bureaus OR the reporting creditor, so I sent a complaint regarding the reinsertion AND I filed a complaint with the CFPB. ~On XX/XX/XXXX the collection was " re-aged '' AND added back to my Transunion credit report this is in clear violation of my consumer protection rights. 
~In XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Transunion had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. Thank you for your time and assistance with this matter..
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (VA)

BMW FINANCIAL Reported a late payment when I made 2 payments at once.They refuse to correct the situation. 
BMW refuses to correct or even consider this matter of complaint. 
Oddly, they did not even charge a late fee. 
Usually when people pay late, a fee is charged. 

Supporting photos attached. 

Thank you
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (WI)

On XX/XX/XXXX I called the EPPICard number on the back of my card that Wisconsin issued me for my child support and the card kept saying my zip code was wrong so I got a hold of a lady in customer service and she said that the cards zip code was right and the card was active but when I went to go try it again, it said the same thing and was declined! I currently have no job and XXXX kids at home and all the money that I had to my name was on that card. I called them 4 times that day and every time I called them I was on hold for over a hour and each time they said nothing was wrong with the card! The next day I called them and asked them to fix it again and still nothing was fixed! The day after that I called and talked to a manager so  they said and they said that there was nothing they could do besides send me a new card and that it would be delivered at my house on Monday due to the virus and mail was slow ... Monday comes and no card! So I call them asking them to let me transfer my money to another account that I had and they told me that they can't do that and that there was no card ordered on that Thursday when that manager claimed he ordered me a new card so now I'm seriously upset and I'm broke and I have over {$14000.00} in my account that I can't touch and have to wait 2 more days now! I'm so sick of this debit card company, they make me sick on how rude and uneducated they act towards customers! Why can't I transfer money?!? It's my money!!! I feel like there playing games with my money and that's against the law! If my card does not come in on Wednesday, I will be getting a hold of the police and filing a report and getting a hold of a lawyer! This is so uncalled for and it's illegal to hold my money from me! I'm a single mom of XXXX and I need my money! I've had to beg and borrow from people just to feed my family and get them what they need and I hate doing that when I have money but I can't touch it! XXXX is in a few days and I have nothing for my kids! This card company should be ashamed of itself ... I'm calling my case worker and changing my deposit information to a different account! EPPICard is nothing but liars and thieves and something needs to be done with them! This is not fair and it's hurting families in more ways than one and I will take legal action if they do not stop it! I also have a voice recording of the last conversation that I had with them by the way, so I do have evidence to prove my case!
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AR)

I opened a saving, checking, and credit card account with Navy Federal Credit Union in XXXX XXXX. I had received birthday money as well as XXXX money from family members and two were returned NSF. I brought the account current and since then they have frozen me out of ALL of my accounts online, even to pay my credit card bill. when attempting to access my account i receive this message " We are unable to process your request. For assistance, please call us toll-free at XXXX. For calls from within the Washington DC area, or outside the US, please call XXXX '' SO I called the customer service number on Friday, XX/XX/XXXX and i was told that they have closed and restricted me from all of my accounts. I asked how I was supposed to pay my credit card bill and they told me that since my membership was terminated I would not have account access nor could the except a payment over the phone from a restricted account. My only option, i was told, that i would need to go into a branch, and the closes branch is XXXX miles away from my home. This is my first credit card and now i am unable to make my XXXX 's payment since my account was frozen and I do not live near a branch. I'm XXXX years old and recently lost my part-time job due to them closing because of COVID 19, so my mother has been helping me and was also recently  furloughed until the coronavirus pandemic is over. I will still make my payments but my hands are tied. I am doing everything possible to pay my obligations, but this will ruin my credit before I can even start to build credit.