davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

On XX/XX/20 I was laid off due to covid-19. I contacted XXXX credit card, they waived my payment. I then tried to contact citibank via the messenger in the app. They told me I would have to call. I called and explained that I was seeking help due to covid-19. The customer service representative came off as very rude. His response was " OK so do you want a payment plan or something? ''. I was a little surprised by how he was talking to me. He looked up one of my cards and said there's no late fees ever on that card so don't worry about it. Then he looked into my other card, and just said that he was gon na waive the late fees. I explained that my other credit card waive the payment for me, but he wouldn't do anything. I asked if my payment would double up since hes telling me I don't have to pay it and he couldn't give me a for sure answer. I logged into my account yesterday and noticed that I do have a double payment on the on account. I have sent several messages to citi bank via their app And sometimes they just cut my conversation off and end the conversation without any resolution. Yesterday, I notice that you could apply for assistance via their website so I went ahead and did that. This morning, I woke up to emails advising me that both my cards credit limits had been decreased and pretty much maxed out. One of the cards they took away {$5000.00} worth of credit. I thought the whole point of the assistance programs were to help you maintain your credit scores during this time. Now my credit score is going to drop significantly. Terrible customer service
Consumer complaint received 2020-04-09
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

This is for both my checking account and my savings account, but CFPB web site only allowed me to check one. 

On XX/XX/XXXX I asked through XXXX 's web site how to fill out a POD or TOD. No response. 

On XX/XX/XXXX I phoned XXXX and spoke with XXXX, who said it's XXXX 's policy that customers need to go to the bank in person. I can't do that because the governor has a stay-at-home order, and even if he didn't it's not safe to be that close to other people. XXXX the nearest Chase Bank is well over an hour away. XXXX connected me to a Chase Bank in the XXXX area ( the nearest one that's still open ) and I spoke with the manager XXXX, who confirmed the policy. He said the he'd escalate the issue. 

On XX/XX/XXXX I received a phone message from XXXX, I phoned her back and left a voicemail, but haven't received a call back. 

This is ridiculous. It is perfectly legal to do a POD / TOD through the web site - I have an Ally Bank account with a TOD/POD and was able to set it up online. 

Lots of people are dying now and undoubtedly there are many other customers who are concerned about filling out a POD/TOD.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (NJ)

My initial complaint ( # XXXX ) was responded to me by US Bank. In their response to me they state in paragraph 2 " This fee would have also been removed if the dealership had purchased the vehicle from US Bank at the end of the lease term. Our records confirm that the dealership did not purchase the lease vehicle, and it was returned to the possession of US Bank. '' ( I have attached a copy of that letter ). I am also attaching a copy of my sales receipt showing that the vehicle was " traded-in '', a copy of the payoff sheet to US Bank, and a copy of the check payment made to them from the dealership. The documentation I provided clearly states that US Bank was not truthful in their correspondence to me and I would expect a refund of the {$20.00} payment that I did make to them in good faith while waiting for reconciliation of this matter.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

XXXX, approx XXXX XXXX, I called my mortgage servicer, Freedom Mortgage, regarding starting a mortgage forbearance program based on COVID-19. I spoke with a representative, XXXX, who told me to I needed to apply for the program using an application provided on their website. That application can be found by following this link. 

XXXX : XXXX I told XXXX that I didn't want to fill out that application since it states that I would be obligated to repay all forbode payments plus the current mortgage payment all at once at the end of the forbearance period. 

I made clear that I'd like to start a mortgage forbearance program outlined in the XXXX XXXX  Lender Letter ( XXXX ), with all forbode payments being tacked to the end of my mortgage. 

I was told repeatedly that ' they're not able to change the terms of the loan ' and 'deferring those payments to the end would be changing the terms '. I was ultimately offered a multi-staged forbearance program that at its maximum would result in a 12-month forbearance with all forbode payments to be paid in full at the end of the forbearance period. 

I asked to speak with a supervisor and would not accept the terms she described. I was placed on hold, but soon XXXX came back on the line to tell me there was no supervisor available at the moment. I requested to stay on hold, but she wouldn't allow it. She said her supervisor would call me back within 24-48 hours. She also suggested I call back in an hour to speak with a different supervisor. I again asked to be placed on hold to speak with a different supervisor and was told I could not hold. 

I'm a single mother of two. I am the sole breadwinner. This virus has put an incredible strain on my household finances and without help, I will most likely face serious default or foreclosure. The plan Freedom Mortgage has proposed would leave me financially devastated. 
I've worked hard to purchase the home I've owned since XXXX and am finding the lack of solutions offered to Freedom Mortgage customers unacceptable. The following excerpt was pulled directly from the Freedom Mortgage " COVID-19 Frequently Asked Questions '' link to page : https : XXXX 'What is forbearance? 
Forbearance is a temporary suspension of your mortgage payments, allowing you to remain in your home while working through your short-term financial challenges. We will suspend your payments for up to 180 days. Once that time period has expired, we will work with you to reevaluate your situation to determine whether your forbearance can be continued. At the conclusion of the forbearance period, all of your deferred payments must be repaid. The Consumer Financial Protection Bureau ( CFPB ) has a useful video that explains forbearance as it relates to the Federal CARES Act. '
Consumer complaint received 2022-02-24
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: SYNCHRONY FINANCIAL (MA)

I went into a TJ Maxx on XX/XX/XXXX. At checkout I was invited to get 15 % off and told I was applying for points and it would be a soft pull. Minutes later, I got alerts that there were inquires. I alerted the store and synchrony bank. The bank told me to write a written statement about the incident and mail it. Weeks later I was told the inquiry was removed. However, last week I received a letter that there was another inquiry from synchrony bank. I have not applied for anything and this inquiry is on XXXX. I also filed for bankruptcy in XXXX and all past inquires should have been discharged, but they still remain. I am very concerned because I also got an alert yesterday of dark web activity for my social security number and license number. Please help.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX I made a charge on my CapitalOne MC ending on XXXX for company XXXX for {$370.00}. they treated the transaction as a XXXX XXXX and charge additionally Cash advance fee {$11.00}. There after they continue charging interest in XXXX, XXXX etc until now Cash advance interest and regular interest : XXXX {$4.00} and {$20.00} ; XXXX {$440.00} and {$15.00}, XXXX {$3.00} and {$17.00} I call them to inquire about the transaction and they told me they would not reverse, also I told then that a payment I made on the XXXX statement for {$430.00} should be applied againt the cash advance, cash advance interest and minimun payment for this month - they refuse to do so as well. 
After further research I found 2 previous instances in XX/XX/XXXX and XX/XX/XXXX of XXXX that I made charges on this same card for the XXXX company and were treated as regular credit card charges ( no cash advance fee ). I talked to a supervisor and she would not even listen he say no to everything. 
I am requesting refund on cash advance fee, cash advance interest and regular interest derived from the XX/XX/XXXX charge.
Consumer complaint received 2020-04-09
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I opened a XXXX rewards account through Synchrony Bank in XX/XX/2021. On XX/XX/XXXX I paid my balance of {$86.00} but Synchrony insisted they never received it. So I paid {$86.00} again on XX/XX/XXXX to make sure I didn't incur late fees/interest charges. I made several phone calls trying to sort this out with Synchrony and they finally acknowledge both payments. Because I had made additional charges, the second payment of {$86.00} was applied to those charges, but I still had a credit balance of {$39.00} on the account. I asked Synchrony to please close my account and send me a refund check for the {$39.00}, which they did in XXXX. But in XXXX, they suddenly decided that they had never received the first payment of {$86.00} - even though I sent proof of the two payments to them, as did my bank, XXXX XXXX. I have spent the last seven months make repeated phone calls to Synchrony, trying to sort this out. Many times, I got disconnected by them after holding for 30 minutes or more. Every time I called, and I called MANY times, I spent a minimum of 30 minutes on the phone with their representative, having to explain the whole case all over again. They kept telling me that they would have to transfer me to a supervisor/manager to get my account sorted out, but then I would get disconnected when they made the transfer. This happened to me three times in a row the other afternoon. Back on XX/XX/XXXX I was assured that my information had been escalated to a manager/supervisor and this would all be worked out, but it might take 90 days. In the meantime, no finance charges or late fees would accrue on my account. The finance charges and late fees continued to accrue and then this month I received notification that my XXXX credit score had dropped by XXXX points because my account was being reported as past due. I have had excellent credit for the last 17 years and was very unhappy to discover this. I spent many hours on the phone again this week trying to resolve the issue with Synchrony. It wasn't until I called them out on XXXX the other day that one of their representatives finally called me. I am now being told that they have sorted out their mistake and my account balance is zero, but it can take 15 business days or more ( likely XX/XX/XXXX they said ) before my credit report will be corrected because it takes Synchrony that long to report their error. I am extremely unhappy about this whole mess and warning everyone I know to avoid dealing with Synchrony because their customer service is nearly non-existent and many of the people I saw posting on XXXX about them are complaining about their unfair business practices. Many of us are now planning to file a civil lawsuit against them.
Consumer complaint received 2022-02-24
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. (AZ)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-02-24
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. (NY)

I've sent the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2023-05-24
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. (NY)

As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (GA)

I have attached my driver license and social security card In accordance to the FCRA act, XXXX has violated my rights for 6 months with all 3 credit bureaus. 

15 USA 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a_ Definitions, rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (DE)

To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX : {$320.00} XXXX XXXX : {$62.00} XXXX XXXX : {$100.00} XXXX XXXX XXXX {$520.00}
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.