davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Email received from Synchrony Bank re : my Lowes credit card and them wanting to charge a ( junk ) fee for my paper statements. I believe this fee for paper statements versus electronic is not a choice but coercion. I as well as millions of others want to continue to receive paper statements without having to pay for them for many reasons as outlined by credit websites : " Paperless statements can present problems, such as the potential for identity theft and the inability to clearly read them on mobile devices '' ; " Chance of Identity Theft b/c a cyberhacker may be able to break into your email account and swipe emailed bank statements. Information on the statements potentially could be used to steal your identity and set up fraudulent financial accounts in your name '' ; " If you're not super tech literate, you might have a hard time accessing digital statements in the first place. You might also find it annoying and cumbersome to track your account activity with digital statements if you're used to using paper statements. In addition, some customers might lack convenient access to internet or wireless services '' ; And it is extremely irritating " to keep track of passwords in order to log into a website or mobile app so you can review your paperless statements. A 2022 global survey by the XXXX XXXX XXXX found that more than half ( 51 % ) of those questioned had reset a password at least once a month because they couldn't remember it. Complicating matters, the use of easy-to-remember passwords can present a major security risk. Be sure to use unique and strong passwords for all your accounts. '' In addition this report from the XXXX clearly states that consumers should have the free choice and not be coercied into electronic statements because of the entity charging a feeXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I requested a forbearance for my all my loans. They advised the request was granted. After speaking with servicer they advised that rep only applied for forbearance on 1 loan and advised they would apply for a forbearance for other loans. After, i was notified that it was denied and account was now past due. Payments were made on XX/XX/XXXX and then on XXXX totaling XXXX. I was again contacted and advised the account was past due 54 days. I spoke with representative and she went over account and advised the payments were not allocated to the correct loans. After speaking with her we figured out the account was showing 54 days past due for a total amount of XXXX XXXX I made that payment, only to receive a call XXXX hours later saying again account was past due. I explained and thought it was squared away. I continued to receive phone calls stating same. Today I spoke to servicer and the my stated account was past due and request were made to correctly allocate payments but it takes up to 5 business days and my account would be researched by specialists. They have continued to harass my mother and I without even completing the investigation. They then gave me 3 different amounts XXXX {$530.00} $ and XXXX XXXX They arent even clear on how much is due. They contact my mother and I atleast 2 times a day each with incorrect information only for me to go through account and receive the same response of we will send request for payments to be reallocated correctly and have specialist review account. This is stressful and taking a toll on my mental health. Please help me.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

The XXXX Ultimate Rewards card is a scam. I keep receiving fees on a credit card that I have already paid off. I have to login into the comenity website to find my statements and by the time I do that, my bill is late, the interest rate is straight up robbery. They don't even email you your bill in time, you have to go look for it if you signed up for " paperless statements ''. When the associate at XXXX told me about their card, I was promised monthly gifts every time I used the CC. The last few months I went in to XXXX to pick up something small, I asked XXXX of their associates about it and the girl behind the counter was like, " sorry, we don't have anything ''. You don't get any gifts or rewards they promise. This company needs to be under investigation. EVER EVER EVER sign up for this horrible credit card.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (VA)

The Carmax account on my credit report recently started reporting my account with an inaccurate date of last payment and balance, I tried to dispute this, it was verified as inaccurate and fixed on one report, but is still showing the inaccurate information on the others. I have a letter from Carmax stating my actual date of last payment and reported delinquency, which does not match my credit report and affects the date the account is to be no longer reported. Several erroneous charges and payments are now added to the account after the charge off period, I was never informed of these charges or payments, and I was never informed of any auction or sale for the repossessed vehicle which is required by Virginia law, the state in which I acquired the loan ; these new dates of payment that I did not make after the charge off, that never appeared in the credit report until recently, have now been counted as my date of last payment and this is against the fair credit reporting act.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

I pulled up my account for a balance check before going shopping and I saw an alarming deduction of {$99.00} from my Chase Account. I called Chase immediately and the agent explained to me that Chase Bank have allowed XXXX to deduct XXXX for XXXX consecutive years out of my account without my knowledge. 
I asked the agent if they had any security system set up where if ithere was an online deduction made to immediately allert bank account holders to see if they have knowledge of the deduction before allowing it to go through, and the reply was no. Furthermore, I never signed a subscription with XXXX or authorized them to deduct {$99.00} out of my bank account without my knowledge for 3 years. 
Chase Bank is notorious for allowing companies to high jack your account without any security set in place. This is not the first rodeo I have experienced with Chase. I had a transaction in which I paid for a hotel and it was not what I ordered online. Chase has continually delayed the process of refunding the transaction. I am disappointed with Chase Bank because it's reputation does not match how their banking clients are treated and protected.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (NY)

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022. They were stating they are collecting a debt of {$6100.00} for a creditor called XXXX XXXX. I do not have any debt or collections. I called their office as the letter instructed and the person on the phone asked for my social so I hung up.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Larry H. Miller Group of Companies (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Prestige Financial services
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I left the XXXX on XX/XX/XXXX after given two weeks notice of my discharge. As soon as I knew that I indicated that by filling out USAA 's transitioning service members resources. On XX/XX/XXXX I received no more income and since there wasn't any time to apply and be approved for normal VA and financial resources that Veterans receive I applied to several other financial assistance programs since and the only resources we ( my family and I ) have received was emergency food stamps as I was denied or received no reply for rent or utilities assistance, so my last option was to withdraw my retirement savings to prevent being sent a nonpayment of rent this month as well as paying for utilities and debts I owe. However, when I received this money and tried to deposit it, it was immediately put on hold and only less than 10 % of the balance was deposited, which I assumed had a {$10000.00} deposit limit. Because of these holds, which when I called today to see if they could remove it, they said they couldn't and wouldn't do anything until the hold was removed which is XX/XX/XXXX, which by then I will be sent nonpayment of rent this month and allow the landlord the option to begin eviction. I will also have more late fees for returned payments. I chose USAA specifically because I thought they would understand and be sympathetic to my situation since USAA only serves service-members and their families but now it feels like our only relationship between us is for debt collection. These holds also prevent me from preparing to move out of our house this month to attend XXXX  school. I can't afford to wait until the XXXX to use my money and because of this I can no longer recommend USAA as The Service-members Bank as my treatment from my transition to civilian life has been a nightmare due to them. I will probably have to go into more debt just to not have my family and I be homeless
Consumer complaint received 2023-06-06
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)

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2023-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NY)

I didn't received any information about a debt. Also didn't receive a debt validation letter verifiying any debt. I didn't authorize ALDOUS & ASSOCIATES P.L.L.C institution to purchase and any existing debts.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (IL)

Santader Consumer USA has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.
Consumer complaint received 2020-11-11
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. (NC)

THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2021-03-11
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. (CA)

I submitted XXXX request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section XXXX XXXX b ). 

Thank you XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a call in XXXX of XXXX. Cabelas capital one was checking to see if I had made some purchases. I did not so they deactivated the card and were suppose to send me a new one. I never received it, however I did continue to recieve charges on a card I no longer had and had been deactivated. On XX/XX/XXXX, I called them to let them know that the card has been deactivated and they proceeded to tell me I had to pay my bill.I paid the bill for a card that does not even exist.They eventually sent me to the fraudulent department were she proceed to tell me that some companies are still allowed to withdraw on a card that no longer exist. I also ask for my previous recorded so I would have exact details. She would not allow. On the XXXX of XXXX we canceled everything with them. After we paid for the fraudulent charges they allowed to accumulate.This is fraud.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/year> XXXX XXXX XXXX customer service : On XX/XX/year>, I applied for your credit card offer which specified 5 free nights, contingent upon spending $ XXXX in the first 3 months. 
I met the obligation, but was only rewarded 3 free nights.

After several hours on the phone waiting to talk to a supervisor, it was explained to me that I was approved for the 3 night offer instead of the 5 night offer I actually applied for.

Im relatively sure that this error was due to a software glitch somewhere along the line, as the 5 night offer I applied for was released on XX/XX/XXXX, and I applied on XX/XX/XXXX. 
To say Im disappointed is an understatement. 
Rather than acknowledging their mistake, Chase XXXX states that Im an existing account owner who is trying to obtain 2 additional free nights by transferring them to a different account.

Ive talked to 3 different supervisors, and have escalated this issue twice.

This is the same response that Ive gotten from both of my escalations : that promotional offers are not transferable between accounts.

Im sure that companies like Chase and XXXX do not intentionally participate in bait and switch credit card scams, but it sure feels that way. 

Beware of JP Morgan Chase/ XXXX bait and switch credit card scam! 
Chase XXXX is currently offering 5 free nights worth XXXX points ( {$400.00} per night ) However, after acceptance and meeting the requirement to spend {$5000.00} within the first 3 months, only 3 free nights are awarded to your account. 
Attempts to remedy error with Chase/ XXXX XXXX given answered like this : We appreciate your interest in our new offer to receive 5 Free Night bonus offer. Unfortunately your account isnt eligible to receive it. Promotional offers are only available for select credit cards and arent transferrable between accounts.

This apparent slight of hand will result in a {$800.00} valued reduction in agreed upon terms.
Consumer complaint received 2020-09-28
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. (NJ)

XXXX XXXX, DATE OPEN XX/XX/2014, BALANCE {$60000.00} THIS DOES NOT BELONG TO ME. INCORRECT INFORMATION ON CREDIT REPORT. NEEDS TO BE REMOVED. THIS INFORMATION IS BEST TO MY KNOWLEDGE. THIS IS A FTC VIOLATION.
Consumer complaint received 2024-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies (IL)

I am disputing the collection account with PRESTIGE FINANCIAL SVC, account number XXXX, with a balance of {$2900.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that PRESTIGE FINANCIAL SVC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (AE)

we have a bad experience with Hyundai Motor Finance for the past XXXX  months since weve been trying sell both of our vehicles. Every time we call. They havent update our address for the past XXXX  years, even tho my husband calls them every month to make a car payment ( since thats the only way to do because we are overseas ) and he gives them a new address. We call them every XXXX days for the past XXXX weeks and every time we get information to request a copy of the title was put in the system and we will receive it in XXXX to 5 days, but never receive it The same is about when we ask to get a permission to sell letter. Now we called and suddenly they dont even know that our car is overseas and tell us that we havent payed since XXXX, which is not true. 
Every time they push us away, give us wrong information etc.. 
We are overseas because my husband is in military. We are trying to sell both of our cars ( XXXX to dealerships and XXXX to a person who has money ready to transfer to pay off car ), but in XXXX to do so, we need a copy of the title. The Hyundai finance company doesnt want give it to us since we havent payed the car off, but we dont want original, we just need a copy of it, but the thing is we just got the title of the car that we are selling to the dealership without them paying it off yet, but we are not able to get XXXX for the XXXX  car. 
This is very stressful situation and they are useless and we are about to loose potential buyer and we wont be able to keep paying car off.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (PA)

I had to shop for a car, an every dealer wanted to pick my credit XXXX! They picked me like XXXX times So i have all these old credit inquiries sitting on my report An no one seems to care 2 remove them 6 of them on XXXX alone are 1 year & 11 months old Now i dont know why they can't be removed after 6 months like some other do So i feel discriminated against by these shoty credit report companies because they have no issues dealing the damage but when they do not get the sale they dont care to remove them, so! I hear it can take up 2 two years none the less the damage has been done for 2 years, it destroys my chances of obtaining a couple of credit cards, so all i am looking for is someone with experience that is willing to make someone remove these hard picks off my credit, i know some folks there hard picks are gone in 2 months im going on 2 years so i am curious cause this is XXXX
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERICAN BANCSHARES MORTGAGE, LLC (FL)

16 CFR 433.1 ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. 

According to this code, when I closed on my mortgage on XX/XX/21 .There was a check issued with my name on it and the Lender failed to give it to me. Now I demand that check to be given back to me.