davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (OH)

On XX/XX/XXXX I was called by FMR or Forward Movement Company. They contacted me with the number XXXX and XXXX, in the words of their supervisor their number changes often. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York. According to the local police department they are well known to run many scams. According to consumer finance they have over 500 negative complaints. 

Since XX/XX/XXXX they have called me about 11 times. I have spoke to them 4 times telling them to stop calling me, including telling their management. In their messages they demand that I give the information regarding the where about of XXXX XXXX ( last name not understandable. ) I do not know this person and I told them that. 

I have called them on each number they call me from, each number leads to the same company and each time they say that " I am not in the system '' " they never called me before ''. They are liars, they call me and then say they never called me, I have the call logs and voice messages to prove it.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

XX/XX/2018 Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Credit Card Limit Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, Synchrony Bank did the same damage to my score to have my credit score drop many more points.

My XXXX credit card had a credit limit of {$1600.00}, to which I only had a balance of {$800.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When Synchrony made the decision to lower my credit limit from {$1600.00} to {$850.00}, Synchrony created the exact negative impact on my credit report that Synchrony claim to be against. Before Synchronys action against my excellent payment history with XXXX, I was at 50 % usage to my credit limit. Now that Synchrony Bank has lowered my credit limit, Im at a usage of over 90 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. Synchrony Bank actions have falsified my credit report to say that I am using over 90 % of his available credit when in fact I was only using 50 % of his available credit limit. 

With the facts being stated above, I am asking Synchrony Bank to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the Synchrony Bank is in the business to intentionally damage the credit scores of the XXXX credit card holders or any individual that make payments to them for their clients. 

Thank you,
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

I made multiple transactions with Coinbase over 2/3 days. When I made these transactions with my card I was charged the amount in pounds, however when it showed up in my account it was in dollars. I did not notice this until I changed the currency used on the app to pounds. I have attached all of my transactions with Coinbase along with the transaction from my bank account ( XXXX XXXX. If you look at the times on the transactions you can see which related to each one.
Consumer complaint received 2023-03-24
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: CITIBANK, N.A. (FL)

This complaint is in regards to : Billing dispute XXXX for XXXX transactions on my Citi Aadvantage account ending in XXXX, and Billing dispute XXXX for XXXX transaction on my Citi Premier account ending in XXXX XXXX separate purchases were made in the month of XXXX. It was clear soon after that the company is a scam and vanished. Goods and services were never provided. The company showed on their website a refund policy of 60 days. I contacted Citi bank within 30 days of each purchased when it was clear to me company was not responding and they were a scam, to get my money back. In my mind, since the purchase had been done within 30 days, the money was probably on escrow or something. Citi bank instead of contacting the merchant ( quick and easy process ) to confirm they are no longer operating, and did not provide any goods or services to me so my money could be returned, decided to instead wait XXXX week to request for me to sign a form. I sent documentation to Citi bank via the e-mail provided, and also faxed it. I want Citi bank to just deal directly with the merchant so my money can be returned as soon as possible. This ordeal has caused me and my family a great deal of stress and XXXX.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

As briefly as possible : 1. I am the personal representative for an estate.

2. A property in the estate had its mortgage transferred to Select Portfolio Servicing ( hereafter referred to as SPS ) 3. They sent me all the documentation on taking over on servicing the loan and originally were sending every statement to the estate c/o me at my home address 4. They stopped sending statements 5. When I called them they said I was not authorized on the account and couldn't speak to anyone.

7. I was given an email address ( XXXX ) which I was to correspond with. 
8. I asked via this email address and by phone if there was a secure method to get the lender documentation of my involvement with the account and proof that I should be authorized to deal with them on it.

9. My mother in law who is an heir of the estate started receiving my notices 10. After months of stonewalling and un-cooperative behavior from SPS, we refinanced to get out of dealing with them. The loan was closed in XXXXXXXX XXXX XXXX. 
11. I had to provide extensive documentation to both secure another loan as well as get title insurance.

12. In the end, SPS decided to send the escrow balance to the property address instead of my address.This address is a log cabin with no mailbox and the mail would have been returned almost as soon as it was sent as undeliverable. 
13. I called and requested that they reissue the check to the same address they were previously sending statements to, and I even convinced one representative to.go back and look and they were able to verify that my name and address appeared on the statements until XXXX XXXX XXXX. 
14. I have called repeatedly. I have provided all known documentation including my certified papers of personal representative, a certified copy of the will, certified copies of death certificates. 
15. I have never received any follow up communication from SPS. 

I have never had this much difficulty dealing with a mortgage lender in my life and I have had dealings with at least eight other lenders in my lifetime.
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have my house for sale. I thought that the second mortgage acquired on XX/XX/XXXX, was " charge off '' Chase Modification on XX/XX/XXXX. 
The escrow office received the Prelim Report where a second mortgage of {$65000.00} appears. 
On XX/XX/XXXX, by the first time the escrow office sent a Request for XXXX Demand and Reconveyance to Chase-JP Morgan Chase Bank-Washington Mutual Bank. On XX/XX/XXXX, by phone, the bank responded they need a payoff proof only. 
On XX/XX/XXXX, by the second time the escrow office sent a fax to JPMorgan Chase Bank, Successor in interest to Washington Mutual Bank, fax : ( XXXX ) XXXX, requesting to confirm with their records to Full reconveyance on the second loan. 
On XX/XX/XXXX, a Third Request was emailed to XXXX from the Broker who represents me on the sale. 
All the three requests have been sent with attachments of Authorization Letter signed from me, Deed of Trust, Preliminary Title Report, Washington Mutual Second loan Mortgage, and my Credit Report. We have not received any response.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (CA)

Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through Credit Karma which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX XXXX for a student loan refinancing opportunity due to a negative account. After looking at my Credit Karma report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for XXXX and XXXX for XXXX. Noticing that XXXX was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

I was affected by the pandemic for a couple years from XX/XX/XXXX through XX/XX/XXXX. I was unemployed for the first time ever during that period because of the pandemic. Now I'm attempting to repair my credit and in doing so I noticed a creditor popped up on my credit report. Midland Credit MANAGEMENT. XXXX XXXX XXXX. XXXX XXXX, California XXXX. XXXX. This debt is being reported as if it is something recent. It was reported in XX/XX/XXXX which shows on my credit report. I told the Creditor that I was not familiar with this and I believe that if it is something that I owe or owed in the past, that is something very old likely over 7 years old. Note that this has not ever been on my credit and is just showing up. I believe that they are misrepresenting by reporting this as a recent debt. I am in the process of disputing this but wanted to report this as a tactic that this company is using by reporting false information.
Consumer complaint received 2022-06-13
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. (MO)

I applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
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. (NJ)

I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

I tried closing my account with citi bank 2 weeks ago. They said it was closed but they lied and did not close it. I can not get my money out of that bank. They have absurd reasoning and rules that the customer has to follow in order to close their account. I called them this morning to make sure the account was closed and discovered the agent I last spoke with did NOT close it! 
I need that account closed immediately and a check sent to me. The agent today said he would close it but I don't believe him after what I have been through trying to close the account. Almost a dozen phone calls later, I still don't have my money!
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, 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.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

Block Inc, formerly known as Square, allowed a fraudster to create an account using my mobile phone number without double-checking the number. 
I am now getting calls from people who have been scammed, asking ME to ship the merchandise they ordered. 
I am filing a complaint because Square/Block should have verified the phone number and not let scammers use any number. 

Not only is it annoying and stresful to answer all these phone calls, I am also fearing my phone number will be associated with scam and automatically be blocked by automated systems.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

I simply used my accounts and the bank closed them. I was sick and had to take time off work which made me need to use my credit, now I am better got back to work trying to get things back under control and JP Morgan Chase decides to do massive damage to my finances and credit score for absolutely no reason.
Consumer complaint received 2023-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing is deliberately mailing statements late, so they can illegally charge late fees. Today is XXXX/XXXX/XXXX and I have not received my statement. I have never been late, however, Select Portfolio Servicing continually violate my civil rights by unnecessary harassment and lies, among other violations of my civil rights. I have a paper trail of deceit from Select Portfolio Servicing. And I also have my own paper trail, that will prove their deceitful practices.
Consumer complaint received 2019-10-18
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: Midwest Recovery Systems (AZ)

On XXXX XXXX, 2019 Midwest Recovery Systems falsely reported to the credit bureaus that I owned {$500.00} for an unpaid balance due to a company that Ive never heard of. 

I contacted them immediately and have not been able to get in touch with them. I have attempted to reach them via fax, email and calling. No one is available. 

The company this alleged debt was acquired under is not a real company that I can find. I have searched numerous business databases and the internet for hours. 

Additionally, based on the name of this frivolous company alone, it appears to be a payday loan company. Payday loans, or cash advance company are illegal in my state of Arizona and our usury laws. Additionally, if this was a legitimate claim, it would have had interest, fees and not be an exact {$500.00}. But this is. 

This so-called debt collection company has been connected with numerous other consumer complaints, where people have reported scams and has even had their accreditation by the XXXX XXXX XXXX revoked.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (NY)

I applied for the AVANT XXXX through XXXX XXXX around XX/XX/XXXX and was approved. They sent me an email congratulating me, informing me of my credit limit and telling me my card would arrive by mail within XXXX days. I waited weeks, and never received my card. I called several times and was told to wait until XXXX to have a new card issued to me. A new card was issued on XX/XX/XXXX and I called and was told it was mailed on XX/XX/XXXX ( which is a Sunday ) so I assume it was actually mailed on Monday XX/XX/XXXX. It has been XXXX business days already and again, no card. I have informed delivery with USPS and I see my mail a few days before it actually arrives. Its not showing up. They charged me the {$59.00} annual fee before I even used the card. I was able to activate it through their app, with no physical card by using my social security number. I chose to do this because I thought they had a digital version of the card available on their app but they dont so I cant even use it. I noticed after I called them a few days ago they charged me the annual fee even though Ive never use the card because I dont have it. I asked if I could have the card sent to me priority mail or Xpress if I paid for it and they said that they dont do that. Ive read several complaints on here about people never receiving their cards for months and I dont want that to happen to me so thats why I am submitting this complaint in the hopes that I will be able to get through to them and have them send me the card. I want to make it known that I really do want this card, I do not want them to cancel it or close my account because I am submitting this complaint. I am merely doing this in order to bring it to their attention because calling Customer Service is not seem to get me anywhere. Can avant or XXXX please contact me about my card and help me actually receive it?
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. ()

I have had this account for several years with Chase. I opened it when I lived in the USA and I kept it open when I came back to XXXX, because it was free of charges. I've never paid any fee. 
A couple of months ago I received an email from Chase telling me that they decided, unilaterally, start charging me XXXX dollars per month for my account maintenance, which is an invitation to leave. I don't live in the USA, I don't have an income there, so it's impossible for me to reach any of the conditions required to avoid the fees. 
I assume that Chase is allowed to change the conditions to their clients, but they should give us an exit way free of charge. In this sense, I'm asking Chase to agree a solution of the problem in one of the following ways : ( 1 ) I close the account and they send me the funds to XXXX, paying all the costs associated with the transference. We finish our commercial relation and I keep my money unaltered. 
( 2 ) I maintain the account open, and they waive the charge of fees. 
They denied both and they are forcing me to either, pay the maintenance fee or paying the costs of transferring my money to XXXX to be able to close the account. 
I dont agree with them.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

I have had a business credit card in my business ' name since XXXX/XXXX/2016, yet it has NEVER shown up on my business credit card rating. My XXXX XXXX XXXX shows NO lines of credit. I use this card every month and have done so since 2016.
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FORD MOTOR CREDIT CO. (AZ)

I filed chapter XXXX bankruptcy in XXXX a comunity property state last week so called ford motor credit and the manager said the fair market value of my truck is what I owe and not the value of the truck and they dont re aferm at value only what I owe and if I dont re aferm it or pay it off they will go collect it from my wife say community property state does no cover my spouse in a laoan that we are both on and they will comitue to call and go after her to pay the loan even thou its included in my chapter XXXX bankruptcy I am willing to reaferm the debt at fair market value but manager in there bankruptcy dept says they dont do that and there lawyer will contact me to reaferm debt at almost double the value of the truck.
Consumer complaint received 2022-06-13
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 sent in paper work on XX/XX/2022 in regards to a fraud inquiry thats named XXXX XXXX but it is still reporting. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.