davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have a 7 year fixed mortgage through Chase that re finances in XXXX on XX/XX/XXXX they sent me a note that per the terms of the loan it would not go up more than XXXX points and would ne fixed at 4.875 for a year. I reached out to them a XXXX XXXX and she confirmed that was the case I just received a notice in the mail ( similiar in format ) dated XX/XX/XXXX saying that my new rate will be 7.5 % as of XX/XX/XXXX. 
I feel I was fraudulently misled intentionally to make a greater profit by Chase Had they been honest in XXXX and told me their absolute intentions i would have re financed then into a much lower rate than 7.5 %! 
I knew rates would change just not to the extent they are now saying!!
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

My loan servicer is EdFinancial. I called to request a refund of {$20000.00} towards the end of XX/XX/2022 since I paid my loans in full already. Theres no way for me to see any confirmation or updates unless I call. I called today ( XX/XX/XXXX ) and they said my refund has not even began to process. They were telling people it can take up to 150 days to process, but now are saying its up to the feds to process them. Meanwhile other loan servicers are processing refunds within 30-45 days, and mine has yet to even start processing or anything show up on my account. I cant afford to pay payments/interest when they start back up in XXXX. Why does edfinancial take so long while other servicers are quicker?? They seem very disorganized and dishonest.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express advertised and emailed me a promotional offer for XXXX XXXX points when I opened a new credit card with them and spend {$2000.00} within 3 months. I applied for the card in late XX/XX/XXXX and opened it successfully, nowhere in the application process did they mention the promotional offer would not be available for me. 

I have now successfully paid the {$2000.00} but Amex refuses to offer me the points. 

I have text evidence from early XX/XX/XXXX where an American express representative confirmed the bonus amount on my card. Now today XX/XX/XXXX when I checked with American express they claim retroactively that I did not qualify, which I believe if both a lie as well as fraudulent advertising. They have already charged me close to {$100.00} in annual fees and earned many dollars from their merchant transaction fees on my account.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: QC HOLDINGS INC (MO)

THIS COMPANY IS PREDATORY! THE INTEREST RATE IS OVER 300 %! I SUBMITTED AN APPLICATION THAT WAS APPROVED PENDING VERIFICATION. I CALLED AND SPOKE WITH A REP AFTER SUBMITTING A PAYSTUB AND WAS ADVISED TO SEND ANOTHER XXXX. I PROVIDED ANOTHER REFERENCE ALSO. I SENT ANOTHER PAYSTUB AND CALLED BACK. THIS NEW REP ADVISED ME THEY HAVE MY DOCUMENTS BUT THE APPLICATION WAS CANCELED. THEY TRIED TO CONVINCE ME TO SUBMIT AN IN STORE APPLICATION. I DECIDED TO CALL THE STORE AND WAS TOLD THEY HAVE NOTHING TO DO WITH THE ONLINE APPLICATIONS. I ASKED TO BE REMOVED FROM THE MAILING LIST. SHORTLY AFTER THAT, I RECEIVED A DENIAL EMAIL. I FEEL I WAS GIVING AWAY MY PERSONAL INFORMATION FOR NOTHING. I HOPE THEY DONT SELL IT.
Consumer complaint received 2023-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

My school closed down and my payments went into forbearance and I had been making payment but since I didnt graduate I dont believe I should be responsible for paying the XXXX I have in school loans for that school. I need help.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MS)

I have called Wells Fargo in the past about our PMI payments. It was my understanding that we needed to pay a certain amount of our mortgage down. By the time I got them to take off the PMI, we had reached a loan to value ratio of XXXX XXXX. It is my understanding that, by law, the mortgage company is supposed to cancel the PMI aXXXX XXXX XXXX  XXXX. Wells Fargo will not reimburse me or give me credit for all the extra PMI payments I made.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX 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 2022-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

On XX/XX/2022 my payment was due for Regional Finance located at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. So i called to see if i could pay it on the XXXX they said yes. So i stated that if could pay earlier i would call them to give them my debit information. So effectively i called them on the XXXX and gave them the debit information and the payment was made that day. than on the XXXX my payment was withdrawn again. I called to see what happened, they apologized, i called on a Saturday and XXXX answered me i asked her what happen why the withdraw my payment again if i had made it on the XXXX. She said she didn't do the transaction and she blamed the people that do the transactions and dont write notes stating that payments are given that this always happens. so on the following Monday i called them and asked to talk to XXXX the person that did my loan. I told her what happened she started talking to me really mad she wouldnt let me talk, she even told me that my payment was on auto pay thats why it was debited. until i told her real serious, wait XXXX can you listen to me? thats when she let me talk. i told her my payment was not on auto pay if it was on the XXXX it would of been debited from my account and she said well yes youre right its our mistake i can refund that money in 15 day to your account i told her that XXXX told me in 10 days who do i believe? she said im saying XXXX for if theres any problems, and i told her ok another problem because of that transaction my account went to negative - {$230.00}. She answered me all mad again and was yelling at me the whole time that she could not do nothing about that but she could refund my money that was debited from my acount only. I told her really mad : stay with my stupid money for the month of XXXX. I told her XXXX said that its yalls fault that you dont put notes that she is tired of telling you guys and you guys dont listen. so she said, so XXXX said that? and i told her yes, and she said i will fix that with her. So i was worried about her retaliating against XXXX for that, i dont know if she got suspended or not or even worst fired because of this horrible person XXXX XXXX who is the XXXX. I called corporate like 3 times or more i dont recall and they never answered me back.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/23 I received letters that both my quicksilver card and platinum credit cards are closed due to too many returned payments. I was never notified of this prior and nothing states the card can be closed due to such thing. I made Payments on time even paying in full and my payments returned because capital one does not take payments from savings accounts and I was also not aware. This is a simple miscommunication and I would like my accounts reopened!
Consumer complaint received 2022-11-02
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

I filed bankruptcy on XX/XX/12 and the company continues to call and harass me. Ive told them Ive filed and my attorney said they should call them if they have issues they keep calling me and leaving messages and call my work phone as well. My attorney says they are in violation. I tried to contact their corporate but cant get anyone.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (MI)

I opened a prepaid debit card account with XXXX XXXX XXXX  a part of PNC Bank to receive my direct deposits from my state unemployment benefits. The account was fine and I was receiving my direct deposits for months now. Then the following happened. 
I was asked to submit a summary and identification on a most recent direct deposit into the prepaid XXXX XXXX  XXXX account. I emailed them the summary of benefits from the state unemployment. They then asked me to verify my identity and I sent in my drivers license and birth cert. They then said my drivers license address didn't match my address on file. My address on file is my family 's address and that is where I live now since COVID-19 and same address as my benefits. They asked me for a phone bill so I sent that along with a bank statement from the address in my name. I did all of this. They are refusing to release my money. WORST part is that I was asked all this same info 2 months ago in XXXX and I sent it all in at that time and it was all cleared and my account was fine. Now 2 months later same issue and they are not releasing my money. I believe this bank is not a legit bank even though their card is issued by PNC bank XXXX XXXX
Consumer complaint received 2023-06-22
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: U.S. BANCORP (LA)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I recently received an email from Venmo explaining that my account has been suspended. This suspension was done erroneously. 

I live in the United States and was recently traveling on vacation on a cruise ship. When I went to access my account while I was traveling internationally, I received a message from Venmo saying my account was suspended due to suspicious activity. However, there was no suspicious activity on my account ; I was the person accessing my own account ; and, I was doing so internationally only because I was temporarily traveling on vacation. That was me. 

I already replied to Venmo 's account suspension email and uploaded my XXXX issued driver 's license, which is the additional information that their company requested. Despite this, the company still has not reinstated my account.
Consumer complaint received 2024-02-11
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: Bread Financial Holdings, Inc. (KY)

I have disputed through XXXX  XXXX, XXXX. It comes back accurate for this account through Comenity bank/ Victoria account # XXXX Amount {$480.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Consumer complaint received 2023-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Please note that while this complaint is related to complaint # XXXX, it is materially different, as this complaint pertains to failure to provide an adverse action notice that complies with the law and the inconsistent, lack of knowledge on applicable laws by your customer service department. Between XX/XX/XXXX and XX/XX/XXXX, I have spoken with more Synchrony associates than I ever cared to even know were in your employ. A vast majority of those associates have taken extremely negative tons with me since you closed my accounts. They've been condescending, accusatory and most concerning have provided in accurate information. They have also repeatedly stated that my accounts were closed after a review of my credit report, however the letters I received to tell me you had taken this action fail to include the information you are legal obligated to provide. 

If you take adverse action based on information in a consumer report, you must tell the consumer. Your notice may be oral, written or electronic ; it must contain certain information : FCRA 615 ( a ) 1. the name, address and phone number of the CRA ( including a toll-free number for nationwide CRAs ) that supplied the report 2. a statement that the CRA didnt make the adverse decision and cant explain why the decision was made 3. notice of the consumer 's right to a free copy of their report from the CRA if they ask for it within 60 days FCRA 612 4. notice of the consumer 's right to dispute the accuracy or completeness of any information provided by the CRA FCRA 611 5. the consumers credit score, if a score was used
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

hey! 
PayPal has scam me takes all my funds after waiting 180 days, they transferred my balance to PayPal. 
things wont stop here, going to apply for class action lawsuit against PayPal.
Consumer complaint received 2022-11-02
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. (MN)

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 2022-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/2022, I sent First Federal Credit Control a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 

I am demanding that they delete this account from my credit report.
Consumer complaint received 2023-02-09
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. (TX)

In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

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 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

There was an error at the point of sale terminal that resulted in the same transaction being charged to 2 credit cards. 

The merchant is aware of the issue, but did not receive payment from my bank USAA Federal Savings Bank. I disputed the transaction with USAA and sent documentation to USAA on multiple occasions. I have emails showing the documents were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to uploading the documents, I also mailed them in XX/XX/XXXX and fax them in XX/XX/XXXX. 

USAA is stating that when the documents were faxed in XXXX of XXXX that it was beyond the deadline. I sent the same documents multiple times and each time they were lost. 

I have followed all the direction I have been given and worked their process. I have called at least a dozen times with some calls lasting more than and hour to followup. USAA is now saying that I need to pay {$140.00} on top of all of this hassle and the {$5.00} XXXX spent on printing and faxing.
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2023, I applied for a {$2000.00} installment loan with Ace Express and was denied the loan for this amount, but I was pre-approved for {$1300.00}. Upon the representative verifying my banking information, job payroll, and credit score of XXXX, she informed me that the system in fact changed and declined the {$1300.00} loan and that I would receive a Notice of Adverse Action detailing the decision of the denial. Shortly after, I did in fact receive the Notice of Adverse Action, and it stated that I was still pre-approved for a {$1300.00} loan. Upon calling ACE to get clarification, I was told that I should apply again in order for the pre-approval to become active again. I stated that the notice was mis-leading because I was provided with another pre-approval within the denial letter. I also asked if this would affect my credit score and the representative stated that they would have to re-pull my credit even though I was provided another pre-approval. Needless to say, I am completely confused and I was not provided any direction from ACE as to how this can be rectified. My credit score reduced several points due to this action and I am not pleased about this at all. ACE also never provided a clear explanation as to why I am denied and pre-approved at the same time. I was only told that it is system derived and they apologize for any confusion.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services (SC)

On XX/XX/XXXX there was an unknown hard inquiry on my XXXX credit report showing that someone tried to get a personal loan from LendMark Financial S using my name. They also knew my address and my current employer as well. I did not take out a personal loan at all. Now its showing on my credit report as a hard inquiry. I found out that the person did this in XXXX SC
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC XXXX Have contacted me several times and got no answer. They've contacted my wife several times asking her to verify information. If the account belongs to me why don't they know the information they are asking for. I feel harassed. They call whenever and try to talk to you rough as if they are demanding. This account does not belong to me and by law after 4 months this account can not be sold to another debt collector. I feel as if my rights are being violated and this creditor is hurting my credit & my ability to obtain new credit. Also in accordance with the Fair Credit Reporting act # LVNV FUNDING LLC XXXX Account XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 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 a account without my written instructions. I want all the attached accounts to be removed from credit report.