davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

Hello! 

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX XXXX my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted GSFC several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, GSFC told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information XXXX screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided XXXX see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship. 

I ask that GSFC correct the erroneous late payments ( 12 total ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These months should appear as paid on time per my approved deferment from XX/XX/XXXX to XX/XX/XXXX. Please be honest, and provide the credit bureaus with accurate information when they contact you, and remove the 11 incorrect late payments from my credit file. Attached to this letter I have included : -The attached screenshots from XXXX -The letter from GSFC -And the dispute letters from the three credit bureaus Please let me know if you need any additional information from me to assist in remedying this situation. Thank you!
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, I lost my job in XXXX due to COVID-19. I missed exactly 2 payments. From XX/XX/XXXX to XXXX XXXX. I was able to get in good standing in XXXX when I got a new job. However I called Capital One and asked for a Goodwill Adjustment on those payments since they happened exactly at the cusp of the Pandemic. And Ive had that account for exactly 12 years. Since XXXX They said there was nothing that they could do. But I think this is ridiculous due to the fact that they were well aware of the pandemic. I'm really trying to get everything back together.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRUADULENT ACCOUNT IN MY NAME : JPCMB CARD SERVICES # XXXX OPENED : XX/XX/2015 AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter to both Transunion and XXXX  requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX showing that inaccurate items that were deleted, and they have yet to correct my report on their end.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (FL)

US DEPT OF EDXXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details
Consumer complaint received 2020-06-10
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: GOLDMAN SACHS BANK USA (CA)

Re : XX/XX/XXXX charge of {$1600.00} with XXXX  XXXX on a new Apple Credit Card for 2 x hotel rooms. I have spent at least 5 hours of detailed chat, phone calls and follow up ( always from me - never from Goldman Sachs ) for the last 5 months chasing a resolution. I do not believe any effort was made to reasonably resolve the situation or even work on a make good nor do I above an evidence of this. As quickly as within an under an hour of the booking being made I attempted to cancel due to one of the parties family illness and being unable to travel from UK to USA for the hotel booking. Through the many follow ups from Apple and Goldman Sachs I was told the charge was in dispute then told it was moved to 'elevated dispute ' as many as 3 times on different occasions. This was always after long waits and by pro-actively supplying same details and with the intention of a resolution. I never have one communication from Apple or attempt to resolve or understand my issues properly. On XX/XX/XXXX I have begun to being charged interest. At no point have I been called or emailed or sent any updates on any of my dispute. I have gone out of my way to provide all information and feedback to assist Apple/GS in resolving. My experience has been that none of the information or customer notes has been coherantly stored about the dispute which has made the process extremely frustrating. My most recent GS/Apple chats via the apple wallet confirmed that the charge was sitting in 'elevated dispute ' then when I have followed up again today XX/XX/XXXX .. I am being informed that the dispute was made in favor of the merchant. However I have the chat dialogue from the app which notes the case is in " elevated dispute ''. So we are running around in circles and this is really causing me a lot of concern and stress. I have advised Apple/GS that I will not be paying the interest ( Or the base charge ) and that we seem to be at an impasse and I will be taking this to the CFBP. It has been my understanding via many years or credit card and banking that the credit card merchant should always be acting on behalf of the customer. This has not been the case at all with Apple Card/Goldman Sachs. I would hate for anyone to waste the hours and carry the burden and the stress of dealing with these people. I think people need to know this is not a company/product that is committed to the customer its just about money and not listening or valuing its customer base.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

Received a {$300.00} American Express egiftcard which claims to be usable for 'online, telephone, mail order and participating physical merchant locations ;. 
The card worked once for a {$50.00} purchase and has been declined every time since then. I have tried multiple times over the past few weeks on XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX.I even called XXXX to see if they could enter the card # manually or load the balance to my XXXX account. They could not. 
Am Ex customer service has not had any solutions. They suggest that XXXX. I use the card after 24 hrs, ( did not work ) 2. use it in a physical store, etc. which is not their promise of online usability. 
3. use it at an online merchant who will not ask for my name and address but will ask for a CVV code. When asked which online merchants do that, they had no suggestions.

At this point, I would just like the cash from this card sent to me so I no longer have to deal with the hassle of trying to get this card to work. While I would like to think this is an unforeseen glitch, it is also a highly convenient one since I can imagine that some people will not have the time or energy to deal with this mess.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

I have had Synchrony Bank, who owns my Care Credit credit card, for several years. More recently, they have been increasingly difficult to contact re : promotional balances. Their system is inherently flawed because you can not designate where you want your payment to go ( current balance vs. promotional balance ) and they default your  payments to go to your main/current balance almost ensuring that you will not pay off your promotional balance in time. In the past ( prior to 2018 I would guess ) contacting them via their internal messaging system or phone would be helpful, and the correction ( having them change the payment to go only to the promo balance ) would immediately show online. Now they tell you " 2-3 billing cycles '' and you can not tell how much you have paid to the promo balance by the time the next payment cycle has come, because their system has not caught up yet. Also, now when you call or send messages with their internal messaging service, you often get someone in XXXX. I understand the cost-saving of outsourcing, but when English is a second language the customer reps have not understood my requests for putting payments towards the promotional balance. This results in endless calls on a monthly basis to see how much I have actually paid, and repeated calls to hopefully get someone who understands English or is actually in America.
Consumer complaint received 2024-01-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Whenever I attempted to use the card online, I could never complete the purchase. I just pulled up the website, and the one time I successfully checked the card 's balance, I noticed that they had taken out fees on each transaction. When attempting to call the XXXX number, I could never speak to a person to tell them about the issues I was experiencing with the website as well as the difficulty trying to use the card to make online purchases.
Consumer complaint received 2020-06-09
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)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I added my son to my checking account in XXXX. They approved for him to be added on. I gave them his social security number and birthday. But now out of the blue, they are asking for his information again and they already have it on file or they would restrict my access or close my account.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, As I was checking my business credit report I realized that there was an XXXX XXXX XXXX  account opened without my permission. 
the account number is : XXXX I did not open this account and it's being reported negatively to my business credit report. 
Please tell them to remove it. 
Thank you.
Consumer complaint received 2019-12-31
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. (TN)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MS)

This debt was not an account I created and I've filled a report stating my identity was used fraudulently yet the debt is being bought and transferred from company to company. Where each company has threatened to ruin my credit, sue, and garnish my wages.
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation (KS)

Refer to complaint XXXX Card.com stated my funds were escheated so then why havent turned my money over to the state yet? They havent sent me any mail or notification on any of the actions they've made with my account or movements of my money. My account says XXXX and that's not right.
Consumer complaint received 2023-01-07
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. (MI)

Ordered : On XX/XX/XXXX, I placed an order through Chase XXXX XXXX platform which has a partnership with XXXX ( Order Number : XXXX ). This order cost XXXX points equivalent to {$180.00} cash value and had an original shipping estimate of XXXX business days. Attached is the first correspondence I received confirming the order. 

Delayed : This order was officially delayed on XX/XX/XXXX, and a new shipping estimate of XXXX business days was provided. Attached is the second correspondence I received, regarding the delay. 

Remedy : On XXXX, I contacted the customer service line at XXXX ( XXXX ) XXXX requesting an ETA on delivery as well as more information. More details were not available other than it may take an additional XXXX weeks to ship. I then asked whether I can cancel the order and have the points refunded so I could purchase the item in person on XXXX and use the points to cover the cost once the points had been refunded. This remedy was confirmed as an acceptable alternative. I was then provided a cancellation number of XXXX and an ETA of seeing the points in my account of XXXX week. 

Issue : Following the confirmation of my cancellation during the call on XXXX, I purchased the same item on my credit card in person on XXXX. On XXXX, I received correspondence confirming my original order had shipped. I received the original order on XXXX. I now have XXXX of the same item for a total cost of {$370.00}. On XXXX, I could not get through to customer service after XXXX minutes of waiting. On XXXX, I was told by chase customer service that my order was not cancelled based on the ship date being XX/XX/XXXX, which is incorrect, and that my order was not eligible for return. 

Current State : I am now stuck with the cost of purchasing this item XXXX  due to false confirmation that my order was cancelled on XXXX. 

Complaint : The improper disclosure of information has resulted in the unintentional borrowing of debt to cover the cost of unnecessarily purchase a XXXX pair of the same item. This unintentional borrowing of debt, which was intended to be covered by the use of credit card points, carries a monthly interest payment and can accumulate over time. I believe this to be a deceptive practice where Chase is profiting off consumer impatience rather than allowing their consumers to exchange rewards points. 

Disclaimer : I appreciate the CFPBs continued focus in consumer protection, and I am willing to prepare a letter connecting the various statutory requirements to this situation if helpful.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Called bank fifth third XX/XX/2023. I was told I will receive an temporary release of my transaction make on XX/XX/XXXX XXXX of XXXX and XXXX in XXXX business days. Which is today on Friday XXXX XXXX. But my temporary release didnt happen. I was lied to by bank workers who knew the policy. I called because the funds was not made available to my account. Like I was told on record lines. They said the transaction was to old, but I given misleading information by this bank fifth third I was given XXXX case number XXXX for the disputed and another for my temporary release. I feel this is misleading
Consumer complaint received 2019-12-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (PA)

I am leasing a XXXX XXXX XXXX from Santander consumer USA. The car had check engine light on when I signed the lease and the engine has never gone of. However, the problem is with the monthly payment. I understand I signed the lease and therefore, it became my responsibility. However, I believe the car was never worth the value of the payment I am making. I am paying {$300.00} monthly for 72 months. That amount is just unbelievable! I have called them multiple times to try to work on reducing the payment to allow me make the payment on time. The have always stuck to the fact that I signed the lease. I was not properly educated about the cost of the leasing and I had no experience on car leasing. I have done everything possible to try to make the payment but it keeps pulling me down on my financial obligations. I have to always have full coverage insurance that is also increasing the cost of my monthly payment. I believe this is a sort of scam that is continuously pulling inexperience lessee like me into financial difficulties. The interest rate is killing me. I believe I have not been treated fairly with respect to the pricing.
Consumer complaint received 2019-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

XX/XX/2019 I sent you a letter requesting that you provide me with the original documentation that bears my signature for my account, you then took the liberty to reply back with my Credit report claiming this account to be verified without sending requested document. As a consumer I have the right to request such documents and you have the responsibility to disclose this info to me. Please do not send me another letter refusing to investigate this
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NJ)

I originally locked my rate on XXXX for a XXXX Loan for XXXX XXXX  down on a condo with {$300000.00} purchase price at a rate of 2.875 % with {$110.00} in origination fees. Since I was working with a Better Real Estate Agent and qualified for Betters appraisal guarantee which states that " we will not require our customers to bring any more cash to close or pay a higher monthly payment as a result of a low appraisal '', I felt comfortable putting an escalation clause into my offer which resulted in the final purchase price of {$300000.00}. When the appraisal came back on XXXX, it was lower than the accepted purchase price, at XXXX. My Loan estimate was then altered despite the appraisal guarantee to include {$2300.00} in origination fees with no other adjustments to interest rate. I brought this to the attention of my home advisor on XX/XX/XXXX by email and phone and received a reply on XX/XX/XXXX acknowledging that I was eligible for the Appraisal guarantee and that Better would be working on reverting the increase in origination fees. When I received my next few loan estimate updates, it was still at the wrong {$2300.00} fee but I only started worrying about it as my closing date approached. Starting 3 days before the final loan approval date, I started to call to try to have this corrected. On the day of my closing, which had been delayed from the original XX/XX/30 date to XXXX due to the lack of closing disclosures, it had been adjusted down to {$450.00} but still higher than the original rate. After at least 3 more phone calls and hours on hold on the day of closing, Better called me to say that they would correct the closing disclosure and send it immediately. Despite this assurance, the new disclosures had a {$360.00} fee ( still {$250.00} more than the original ) which I signed because I had already been waiting for three hours at the title company. I would like Better Mortgage to refund me the {$250.00} based on their guarantee and to take steps to correct this dishonest practice of never correcting a " mistake '' until I had no choice but to accept it. 

The holidays meant that my home advisor and his backup were all out of office and I could never speak to anyone on my loan team or anyone else who could change the origination fee or explain the discrepancy to me. I must have placed over 10 calls to Better and never managed to speak to anyone who could effect any actual change. Despite promising to call me back on many occasions, they never did and I was mysteriously disconnected up to 4 times while on hold. Despite acknowledging repeatedly the urgency of my request, even as I was sitting at the title company for closing, no one ever returned my calls. To me, it seems that Better Mortgage only uses its front line customer service representatives to delay without empowering them to actually help the customers.