davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FX Quick Cash, LLC (TX)

I was approved for a loan in the amount of XXXX on XX/XX/XXXX. When I contacted the company on XX/XX/XXXX the representative I spoke with told me that the system had me in the pay back twice the month even though it is suppose to be once the month on the XXXX of every month. She corrected the mistake and then told me I was approved for XXXX and that I needed to resign the agreements. I signed and initialed everything and submitted my employment verification. Later that evening on XX/XX/XXXX I called to check the status of my loan and was told that the company had withdrawn my application with no reason or recourse.
Consumer complaint received 2022-11-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2020-07-31
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: NAVY FEDERAL CREDIT UNION (MD)

I have a loan with XXXX XXXX XXXX, XXXX, and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.
Consumer complaint received 2019-10-04
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. (TN)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report 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 AND 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 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I have two Chase checking accounts. I needed to make a payment to XXXX as quickly as possible to get money on the card for my child who was traveling. When I authorize the payment to XXXX Card the balance was well above the {$500.00} that I authorized. However Chase allowed another payment to another vendor to go through. On XXXX side they attempt the {$500.00} payment twice before they cancel it, and during this time they don't allow me to make any other payments. Chase is essentially saying that I should have known that the balance reflected on the mobile app is not accurate, that I should have known that an automatic payment to the third vendor was going to occur at the same time and that they can't help me. Essentially they admitted that the balance shown in real time on the mobile app is not accurate.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. 

A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. 

I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! 

I emailed Ally through the website the following morning and have received no response. 

It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.
Consumer complaint received 2019-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank (TX)

In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with CB & T who is now known as Synovus. I reached out to XXXX to report the error on my file and I made numerous attempts to resolve with Synovus by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided Synovus all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.
Consumer complaint received 2018-04-08
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. (WA)

XX/XX/XXXX I reported to Chase 6 unauthorized charges on my credit card. They cancelled card ; reissued a new one and accepted my 6 disputed charges via the phone call. They credited/resolved 2 of the 6 charges after my research showing them confusion on thier part on vendor. The 4 other disputed charges were credited and then rebilled in XX/XX/XXXX. I made several phone calls to dispute department trying to resolve charges. I received some US mail documents saying they received and will be researching. I reached out to merchant to verify if Chase had contacted them and they had received only 2 of the 4 disputes along with an email that tells merchant not to give me credit as they Chase has provided me credits.Also received some confusing documents with no information and a blanket type statement We can not continue due to lack of information. I then per thier request mailed certified documents to thier XXXX XXXX dispute department in XX/XX/XXXX. I received a letter stating this dispute has gone beyond time limits and we are closing the case. I in XX/XX/XXXX ; reached out through social media ( XXXX ) to Chase to try and resolve. We communicated and set up a time for them to call me 3 days in a row ; which they never did. 
I have all documents and copious notes of all attempts and copies of my twitter out reach with thier responses. I also have email from merchant supporting Chase neglected to dispute all 4 charges to this merchant. 
The amount of unresolved disputes is {$700.00}. 
I can also provide the reason these charges were unauthorized, if needed. 

I will send all documents if needed.
Consumer complaint received 2020-08-03
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. (NY)

I called XXXX XXXX and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from XXXX confirming the above ). 

When checking my credit report I noticed that XXXX is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted XXXX. And as per the XXXX rep, the amount due was to be deferred as well. And the XXXX payment was not required
Consumer complaint received 2019-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

The Capital One Bank USA NA opened XXXX XXXX,2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Consumer complaint received 2019-05-10
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: Capital Accounts, LLC (MI)

Please reference complaint XXXX. The reply from the company was a lie. I have proof that they called. I will provide a screen capture of my phone record from that day. They broke the law, harassed the other person who answered my phone, and proceeded to give that person personal information about me without verification.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (KY)

My brother XXXX XXXX, passed away in XX/XX/XXXX. He had a Direct Express debit card for his Social Security direct deposit. I wanted to know if there was a balance in the account and requested the remaining funds. Direct Express told me what paperwork to send in and I mailed everything on XX/XX/XXXX. Didn't hear anything so I called on XX/XX/XXXX. Talked to XXXX. She told me the paperwork was received and I will be contacted about any remaining funds in 3-4 weeks. No response, so I called again XX/XX/XXXX talked to XXXX. She told me, there is nothing pending on the account. She said, there is no correspondence from me. She never asked me for the tracking I.D . number. I asked for a Supervisor, was put on hold twice. Said the Supervisor did not answer either time. XXXX did not offer any assistance after that. Did not go over the procedure or anything. This business has numerous complaints with the XXXX XXXX XXXX  and nothing has ever been resolved. I still don't know if my brother 's debit card has any remaining funds. Customer service is non-existence. How do they remain in business?
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

I have been trying to no avail to have Selene finance address my concerns. They have not applied payments that I made, they have continually refused my payments, all I want is for them to go over my account and fix their errors and take my payments, there is no need for this unless they are trying to foreclose on my home without good reason. I have all the money I believe I owe them but if they don't go over the account or answer my questions I have no alternative but to come to you for help
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Neither of my Comenity Bank accounts have been updated since XXXX. It is now XXXX and not only does one of the two accounts show as past due ( incorrectly ), both accounts have been paid in full multiple times since then yet this has failed to reflect on my report. The failure to update in 5 months is negatively impacting my credit score.
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-05-10
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. (GA)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX  XXXX. partial account number XXXX. This account needs to be coded as an XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I reviewed my credit reports from XXXX, XXXX and XXXX and i noticed that they are reporting a negative collection on my credit reports by XXXX XXXX XXXX account XXXX for amount {$1000.00}, upon further research i found that this company is not even licensed to collect in my state, but yet they are attempting to collect and furthermore doing more harm to me by placing this information on my credit reports which has caused me harm.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I had opened Citi Regular checking account with a promotion of Cash back {$200.00} offer. Terms and conditions were that I need to deposit $ XXXX within 15 days and keep it there for at least 90 days and after that I will get the {$200.00} bonus. 
I have been following up with Citi regarding this. It's such a large bank and full of inefficient employees that i keep on getting different answer. 
Today i called over the phone and the gentlemen told me that I will be getting the {$200.00} cash bonus by XXXX XX/XX/2019. 
While on the chat XXXX told me that i don't have the cash back promotion at the very first place. 
This is ridiculous.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (CO)

At the end of XX/XX/XXXX I chose to finance my current leased vehicle that I was leasing through GM Financial. My XXXX payment went through in addition to the payoff sent from my dealership. This caused an overpayment of {$500.00}. It has been a horrible experience trying to get the {$500.00} refunded back to me. Every time I call into customer service I get told a different story. Last Monday I was told that the check was cut on XX/XX/XXXX and that I should receive the check by the end of the following week. When I called this past Friday inquiring about the check, I was told that they were still waiting on final approval for the refund and that it could be the end of XX/XX/XXXX when I could receive the check. I do not understand why this process is taking so long as I have received the letter in the mail from GM Financial over a month ago congratulating me for paying off my lease. The company does not get to just keep overpayments. I just want my overpayment to be sent to me so that I can close this chapter.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (GA)

I unthawed my credit as I prepared to request and increase of my XXXX & XXXX XXXX credit limit, on the morning of the XXXX of XXXX. Previously when I've requested a credit limit increase with a XXXX & XXXX XXXX card I received a confirmation or denial within 48 hours both to my personal email, any account, on the card issuer 's site, and a mailed copy of the decision. This is my first time trying to request a limit increase with Comenity 's Payboo card. After receiving no response I called their customer service line and was told credit limit decisions can be emailed or mailed but not both. That is the most asinine rule I ever heard instituted by a financial institution mandated to keep scores of records. The agent said she could additionally send an email copy of the decision and that it would show up online in the " message center '' of my Comenity account. I wake up the morning afterward and there's no such message. I continue checking for the next week and see nothing still. I checked my credit the following Wednesday and see that Comenity ran a credit inquiry on the XXXX. This would've been the day AFTER my credit thaw expired and multiple days after the agent I spoke with told me some type of mail correspondence was sent out which went out prior to the digital correspondence she said would've been sent. I have no messages or correspondence digital or mail but I'm told some type of correspondence was definitely made. It feels like they're playing games and being less than honest, I don't particularly appreciate that coming from anybody social security number in their records. Moreover it's arbitrary and nonsensical to pointnof malice to demand consumers accept purely digital correspondence or purely mail when every time I log into your company 's website and create a password I can immediately log out and type in that very username and password and the site won't remember it! This morning when I attempted to access the account message center, I reset my password because the website said it didn't recognize it even though I reset it days prior. When I went to check the message center not only was nothing there, the page glitched and then crashed. I tried to refresh. I visited other parts of the site and tried to click back on the message center and the page was still crashed every time. It's absolutely disgusting a credit card company that makes what Comenity does, is this negligent and indifferent with handling customer services and communicating with customers. Moreover somebody is lying to me because their bills seem to be getting through the mail perfectly fine. I don't like my credit score, financial information, nor my time being played with.
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have been on Navient 's Rate Reduction Program for about two years. My rate was lowered from a 12.5 % $ 11.5 % and 6.5 % interest rate to 3.5 %, which provided financial relief and allowed me to stay above water. Usually, they collect my financial information to see if I qualify. The program ended, and so I called to reapply but everyone keeps telling me I do not qualify, without even so much as asking about my financial profile to see whether or not I qualify. They just immediately say I don't, without providing explanation. say I ask what else I can do because the only option is to default and they say there's nothing they can do. I have called three times, and my loans are about to default, when I have a 13 year credit history and have never had a late payment in my life.