davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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: JPMORGAN CHASE & CO. (MD)

XX/XX/2020 : we booked a trip to XXXX through XXXX XXXX XXXX, using teh Chase Sapphire card Cost XXXX XXXX XXXX : XXXX  cancels trip ( no refund, credit offered, but not accepted for future travel ) Note : numerous calls and emails to XXXX  for a refund went unanswered. 
XX/XX/2020 : we submit on-line dispute to Chase ( Sapphire Prefered ) On-line recommended on site, 6 - 8 week response, no ability to submit documentation. 
XX/XX/2020 : Chase confirms dispute # XXXX XX/XX/2020 : Chase rejects the dispute, including FAX from XXXX claiming we did not cancel. Correct, we did not cancel, they did and we wanted a refund not a credit. 
XX/XX/2020 : we contact Chase, via phone, and are told to provide documentation showing XXXX canceled the trip. Documentation is mailed to supplied address XX/XX/2020 : Chase confirms dispute # XXXX. 
XX/XX/2020 : XXXX enters " Administration '' aka bankruptcy XX/XX/2020 : Chase rejects the dispute, again, saying charges were valid XX/XX/2020 : we contact Chase ( XXXX, Supervisor ) told dispute rejected because of timeliness and we had no recourse. Called again ( XXXX ) told time was extended and we we had 3 days to submit documentation, FAX was not and option for us. We were then transfer to XXXX, XXXX who said we had no claim or options. We then gave up. 
( note : dates on Chase correspondence is their date, receipt of letter is about 7-10 days later )
Consumer complaint received 2019-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC (IN)

I have a car loan with Coastal Credit LLC. I have had this loan since XX/XX/2019. My payment is due on the XXXX of every month. When I applied for my loan they asked me to provide references of people I know. I never should have done that. If the XXXX or XXXX comes and my payment has not yet been made they will harass me all day long with at least 5 calls minimum during the day while I'm at work. If I don't answer the phone, the next day they start calling all the references I gave them telling them its Coastal Credit and they are trying to contact me and I'm not answering the phone. Then they ask if the person knows where I am. Keep in mind my payment is only three days behind at this point. This is absurd. 
Also they keep demanding i MUST provide them with a a bank account number so they can set up a direct withdrawal. I will never do that for any debt. I am aware that the law is on the side of the creditor if a direct withdrawal is set up. 
I have never had any past due payments with them, no 30, 60, 90 days late etc. 
I have also requested that any further communication that Coastal Credit wants to make with me be by mail only, NO MORE PHONE CALLS to me or the references. 

The Coastal Credit person involved is XXXX XXXX Coastal Credit Account Representative XXXX
Consumer complaint received 2024-02-10
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. (IN)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE BELOW ARE A LIST OF INQUIRIES Removal XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  I Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

We have disputed this error twice with Mr. Cooper for our home loan that they say we missed a payment on. In 12 years of owning 5 homes, we have never missed or been late on a mortgage payment. 

1. Our loan was originally owned by XXXX Home Mortgage in XXXX XXXX. XX/XX/XXXX, we started a cash-out refi with XXXX XXXX 3. XX/XX/XXXX, our final payment was made to XXXX Home Mortgage. 
4. Sometime between XXXX and XXXX, Mr Cooper purchased the loan from XXXX. 
5. XX/XX/XXXX, XXXX XXXX  sent pay off to XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX rejected payment and notified XXXX XXXX that Mr Cooper had purchased the loan 7. XX/XX/XXXX, XXXX XXXX notified us that Mr Cooper had purchased loan. This was the first we had heard that Mr Cooper had purchased the loan. 
8. XX/XX/XXXX, Payoff sent to Mr Cooper and account closed. 


RESPA guidelines say there is a credit reporting blackout for 60 days after a loan changes companies. 

1. Mr. Cooper shows Our last payment to XXXX was made in XXXX. 
2. Mr Cooper did not pick up the loan until XXXX. 
3. Mr Cooper received payoff for loan in XX/XX/XXXX. 

After talking with multiple people at Mr Cooper over the last 6 weeks, everyone is in agreement that this is within the 60 day window that a missed payment should not have been reported to the agencies. 

Our credit scores were lowered by 70+ points and we are trying to purchase another home. We have called Mr. Cooper 13 times since XX/XX/XXXX, filed 2 credit disputes with them, and the have responded that there is nothing to dispute.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERIS BANCORP (TX)

XX/XX/2020 my car loan with Ameris Bank was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called Ameris Bank multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I was told that I was given a wavier period and for a couple months my account said that nothing was due. I had no idea when the waiver period would end. I was stunned that out of the blue today XX/XX/XXXX I got a call saying that my card is over {$400.00} due. I got high interest fee charges and a fee charge in XXXX I didn't know about. I have found the communication and the explination from citibank to be very poor. This is so frustrating that when I am doing paying this card off I will no longer bank with citibank ever again. The bank is very unhelpful even when the person called me today to say that {$400.00} due on my account. They should not have waited until {$400.00} was due to let me know. I had no idea the card payments were going to stop in XXXX and I would be charged. The communication by citibank was very poor.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, my personal funds were seized by my bank ( Capital One ) because it was assumed that I fraudulently obtained an EIDL loan. I have submitted all my documents to the bank to assure them of the legitimacy of my loan request and subsequent award. I have received my loan documents with the scheduled payment arrangement and amount from the XXXX and currently repaying my loan. I do not see any reduction in that amount of {$4800.00}, which was the amount taken from my savings and personal checking account over XXXX years ago. This amount was removed, and my accounts closed because they alleged me transferring money from my Sole-proprietorship business account to my personal savings account at the time was fraudulent. The bank alleged that I didn't use the loan money for which it was given to me and made the decision to seize my funds and close my bank accounts.

I received my EIDL loan six months prior in XXXX and I didn't receive any assistance or funding from Capital One. I secured my EIDL loan independently. I applied for and received my EIDL loan in XX/XX/XXXX while working as an XXXX XXXXXXXX as a XXXX XXXX XXXX XXXX XXXX. Those funds coupled with contract payments were deposited in my business account with Capital One. Yes, I periodically move a portion of my business funds to my personal savings account as a XXXX XXXX but that doesn't mean fraudulent intent. That is prudent financial management for a small business owner. 

I disagreed with the banks ' decision and sent my complaint through channels to the Vice-president of consumer affairs however, it was intimated to me that the decision was final, and the monies were sent to the XXXX XXXX for return to the XXXX. I have been in contact with XXXX XXXX XXXX for almost 2 years, inquiring as to whether this can be reversed, and my funds returned to me or if not, when will the funds be applied to the balance owed on my EIDL loan? Nothing has happened as of today, XXXX years later. 

The funds seized were not even from an EIDL, but a personal loan I received from XXXX XXXX in XXXX of XXXX which I have paid off. I am currently repaying my EIDL as agreed. I now want my funds returned to me with interest as I believe should be fair. 

Please contact me either via email or phone as my contact info is as shown below. Your assistance and considerations in this matter is greatly appreciated.
Consumer complaint received 2024-03-08
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. (IN)

I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-04-11
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. (MD)

XXXX, XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. Attached is the cashed check with the agreement of being cashed debt will be XXXX and removed from my credit report
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (OR)

On Thursday XX/XX/XXXX, a variety of fraudulent charges were posted to my account. These included : two charges at XXXX ( which I was able to reverse by calling the store ) and four additional charges ( which I was not able to reverse ) that included XXXX XXXX XXXX XXXX for {$100.00} each and XXXX XXXX for {$310.00} each. Total amount of fraudulent charges equaled {$830.00}. Some of these charges were made when my account was supposedly " locked. '' I have an additional concern that the security and features this financial institution promotes are false. 

I immediately filed disputes ( my bank refused to reverse the charges ). These charges were made in the XXXX XXXX XXXX ( I reside in Oregon and can provide proof that I was in Oregon during the time of these charges ). My bank informed me I might be eligible for a provisional credit within 10 business days. I was then informed around the date of XX/XX/XXXX that I should receive a provision credit to my account by end of business ( at the latest per my bank ) XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX ( after not receiving a provisional credit ) I was told by my bank that, " maybe I was misinformed '' but it looked like I didn't qualify ( they weren't sure ). I asked to receive documentation as to why I didn't qualify and they refused to provide any sort of explanation or documentation other than, " our investigation will be closed by XX/XX/XXXX and perhaps you'll get the funds then. '' My attempts to speak with a supervisor were not fulfilled. 

This is a lot of money that was fraudulently taken and now withheld. Communication with MoneyLion has been nothing short of nightmarish and I feel severely taken advantage of as a customer. How can this even be allowed to happen to a consumer? {$830.00} might not be a lot to some people, but as a person living pay check to pay check, this has made a severe impact on my ability to pay utilities and bills.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I spoke to a representative regarding a final loan payment on my account balance of {$1100.00} which I found out the payment was used towards another loan that I have with this company. The representative XXXX stated " that is the way it is done when you make a payment it goes to all your loans ''. So, there was nothing he could do about it. I asked to speak with his supervisor XXXX, who reiterated there was nothing they could do. But since I have been such a good customer, he could remove a mere {$5.00} of interest charges that had been applied. I feel like I have been deceived and this company engages in false practices. I am reaching out to you in hopes that you can assist me and be made aware of this company 's practices while doing business in the State of California.

To explain further, I have a total of three loans promotional plans with this company. Each loan has its own promotional pay off date. My first plan ( dated XX/XX/XXXX ) however due to the covid-19 I called and spoke to a female representative ( name unknown ) in XX/XX/XXXX and was granted a 90 day extension. 
hence providing me with a new promotional pay off date XXXX XXXX in the amount of {$1100.00}. However, this company applied {$68.00} to another plan pay off date ( XX/XX/XXXX ) and {$140.00} to another plan pay off date ( XX/XX/XXXX ) which left {$950.00} towards the loan that I called in to pay off and they state that because the {$1100.00} was not paid off in full I still owe them {$230.00} for which I was not aware of nor told by the representative when I called in to make that pay off payment. 
Thank you in advance for your help.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

This is a complaint against Citizens Bank of XXXX, RI ( " Citizens '' ) I was formerly a customer of XXXX, which Citizens Bank acquired my account through XXXX. 
XXXX was previously my primary bank where I set up numerous auto-pay and direct deposit. When my XXXX account was acquired by Citizens, I was informed that none of my auto-pay information would properly transfer over to Citizens from XXXX. As a result I spent weeks migrating my auto-pay accounts off XXXX/Citizens. During the transition I experienced several days of " black out '' and no one from Citizens Bank was able to provide any support. 

On XX/XX/2022, the first business day I had visibility into my own account, I went to Citizens Bank branch in XXXX ( the only branch within 20 miles of where I live ) to promptly close my account. The Citizens Bank branch representative assured me the account was fully close out and kept my Citizens debit card at account closure.

Several days after stated account closure, I noticed via Citizens mobile app that there is an alleged {$83.00} overdrawn balance, apparently resulting from one of the auto-pay debits that I have migrated away from XXXXCitizens. 

I have since then made at least five different attempts to contact Citizens Bank but each time I end up spending over 30 mins on hold via Citizens phone line XXXX and not able to reach any person. Further, 1 ) Citizens phone support offers no call back feature, 2 ) there is no 'email contact ' option anywhere on Citizens website or mobile app, and 3 ) the 'chat ' feature is no available.

I have spent too much time trying to help Citizens Bank out with their own clerical error on the alleged {$83.00} overdrawn balance, but recently received a paper mail stating the balance is at their 'Collections Department '. When I tried to call the number stated on the letter, I end up at the same XXXX with no one ever picking up the phone and 'infinite wait '. 

My account number at Citizens Bank is XXXX Please help!
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (CA)

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I have two plans under my XXXXXXXX XXXX XXXX  serviced by Comenity Capital Bank. One of my plans is a 6-month no interest promotional plan ( expires XX/XX/2020 ) and the other is a 60-month low interest plan. The online payment system does not allow me to allocate my payments to the appropriate plans so I decided to pay off the promotional plan. 

I made a payment to close the the 6-month no interest plan and have been working with Comenity to remove that plan from my account for the past several months. Everytime I contact them they tell me that they have allocated my payments towards the promotional plan and closed it and that this will be reflected within the next 72 hours or the next billilng cycle. 

After several months of this, I still see the promotional plan on my account and it is getting close to the end of the 6-month where I will then be charged interest and other finance fees.

I have made the complete payment towards that plan and I am getting frustrated that Comenity is not closing that plan! As I indicted above, they may try to say I have not made the payment and try to charge me interest!
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (CA)

There are some hard inquiries appeared on my XXXX credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : 1XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXXXXXX XXXX XXXX 2/ XXXX XXXX  BANK ( Bank ) on XX/XX/XXXX 3/ XXXX XXXX XXXX XXXX  ( Finance ) on XX/XX/XXXX And one inquires on Equifax report XXXX XXXX BANK XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2019-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Inter-Cambio Express, Inc. (CA)

On Sunday XX/XX/2019 an employee of intercambio express located in XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX was distributing flyers promoting their business in front of my store and to my customers. Every day they've been sending an employee to my store to check the exchange rate my company has. They have become a problem. I tried to resolve it. I spoke with XXXX XXXX on Thursday XX/XX/2019 apparent owner of the business. She wasn't very helpful, and showed no concern to stop this unethical business practice. They are very devious and unprofessional. They are trying to play dirty. Therefore affecting my business that I've been operating for the past 24 years.