davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

I had an XXXX credit card when I was in college. It was bought out by Chase Freedom. In the process of changing companies I missed a monthly payment in I believe XX/XX/XXXX. Chase immediately penalized me by raising my interest rate to a borderline usury interest rate of 29.99 %. I graduated in XX/XX/XXXX into a bad job market and was underemployed for much of XX/XX/XXXX and XX/XX/XXXX which made it incredibly hard to pay down my balance while the absurd interest rate was being applied. I eventually was able to pay off the balance. Since that time my credit has drastically increased and I have been able to buy a nice XXXX family home without a joint applicant or co-singer. I have also been able to obtain new credit cards with competitive interest rates. 
I have called Chase freedom several times over the last couple years to have it lowered to a reasonable rate that is in line with my credit report. During this same time period other credit cards that I use have lowered the interest rate on my cards without me even requesting it. Chase 's explanation is always the same. They in a friendly and polite way tell me there is nothing they can do and that is the lowest interest rate they can offer to someone in my situation. They informed me that they periodically review the account to lower my rate. If that was true it would have been lowered. From my conversation with them it is my understanding that the one criterion I am not meeting is credit card activity. Once the card was paid off I stopped using it for obvious reasons. I explained to them that only a desperate person would use a card with 29.99 % interest rate and I would n't start using the card unless it had a reasonable rate. In my opinion I have been responsible since that one missed payment and they are choosing to punish me for the life of the relationship. Chase informed me that they no longer use the same practice of penalty pricing but was nice enough to grandfather me in under the less favorable terms. I do n't believe the process they use gives me a fair opportunity to lower my interest rate to a reasonable level. I closed the card because they made it clear they did n't want my credit card business unless I was going to pay 29.99 %. I understand Chase is XXXX % covered legally on what they are doing but I believe their practices are unethical.
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (MD)

We were approved for a mortgage loan by Home American Mortgage Group in respect of a property named XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX. We are first time home buyers and so they took from us the sum of {$6000.00} as earnest deposit. However, nearing completion, this company said to us that they ran our credit score again and that I failed because my credit score dropped but my spouse score was still good but she dont earn enough? They took our earnest deposit claiming that we breached the agreement. 
We later found out from the score sent to us by my bank that this wasnt the case. My credit score is still good for approval. 
We are seeking your intervention so that we could get our {$6000.00} back from Home American Mortgage Group.

Thanks
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IA)

We have been charged interest on our XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX, statement even though we have paid our bills in full before the due date every time. I have called at least 6 times alerting them to this issue usually spending over an hour on the phone each time. They have verified each time that the interest charges are not legitimate. They have credited me all but the last statement in XXXX and I have called 4 times regarding this bill alone. I have asked that a supervisor call me back on at least 4 occasions, to let me know the problem is resolved, and no one has returned a call. I have alerted them on the last two calls that I have no choice but to report them as they are aware of these interest charges they are fraudulently applying to my credit card and are doing nothing to resolve the issue and that if I am experiencing this issue it is likely other card holders are too. They refuse to give me anyone 's number to call so I have to go back to XXXX one each time I call.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

In 2019, My Venmo account and my linked banking account were hacked into because of a security issue on Venmo 's part. I have tried to contact Venmo multiple times to get whatever remaining money I had on my account after they had banned me from their services because I was too much of a liability. But then, they acknowledged that there was a security issue on their end, but then they blame it on me and subsequently, banned me from the service. They have not budged on their stance and as a result, I can not send money to family members and my landlord for rent.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I reached out to PayPal and ( subsequently Venmo since PayPal uses that as well ) to find reason as to why my accounts were frozen. 

Earlier this XXXX, after I had gotten back from vacation, I had to contact PayPal via email and multiple phone calls as to why my account was frozen and how I could proceed with reinstating my account. After overtly long phone calls with the representatives, they outright denied further assistance with finding out why it was closed ( and directing me back to disputes -- even though that wouldn't help ) Earlier today, I had a similar cycle with Venmo, both in email and phone form.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

I submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I closed my capital one XXXX credit card on XX/XX/XXXX following the death of my husband who I jointly held this card with. I called the rewards division to cash out my XXXX rewards points balance which amounted to a check for {$190.00}. I spoke to multiple people at CapitalOne for over two hours to accomplish this task until finally XXXX at capital one customer service assured me he would send the check regular mail and it would arrive within 7-10 business days. I gave them my mailing address and confirmed all contact info. When the check didn't arrive, I called the same division and spoke to XXXX in XXXX AZ on XX/XX/XXXX. He was confused why I didn't get the check but said he would arrange to have it resent. He said he would submit it for 'reissue today ' and someone from Capital One would call within 5 days to confirm it was resent. The check didn't arrive. I called back on XXXX spoke to XXXX XXXX XXXX XXXX AZ XXXX After much confusion, he told me that he was 'chatting ' to XX/XX/XXXX- this is the division that looks into check issuances for rewards redemptions. I was told customer can't speak directly to the XXXX staff, it has to be only via customer service at Cap One. He said, XXXX indicated the check had been cashed at a bank on XX/XX/XXXX. The check had not been deposited but simply cashed with NO verification of payee. I did not ever receive or cash this check. I asked for it to be reissued and mailed to an alternative address for a family member so if mail theft had occurred, it would not happen again. He agreed. He said, as it was fraudulently cashed it would be reissued and sent to the new address I gave him. He said someone from Cap One would call me on my cell number within 5 business days to confirm the check was mailed. No one called. I called back on XX/XX/XXXX. First I spoke to XXXX, she was unable to help me after trying to get an answer on the status of my check from XXXX. Then I implored her to escalate this matter to a supervisor, she then, after 90 mins sent me to XXXX. XXXX was a horrible person who told me 'Capital one can't help you. The check was cashed and all we can do is send a copy of hte check to you to see where it was cashed ''. In other words, he told me Capital One doesn't have a policy of reissuing this kind of check when fraud has occurred. He falsely told me the onus was on me to try to figure out who committed the fraudulent check cashing to try to get my money from the bank that failed to conduct the payee verification. That is absolutely false information. I am angry that they refuse to file a claim for that money with the bank that. It is also wrong that they are refusing to pay me- the rightful owner of these funds. They have RECOURSE. I DO NOT! This money belongs to me.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have been impacted by identity theft, necessitating another request for the removal of an inquiry from my credit file due to fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any such items no later than four business days after XX/XX/XXXX. This matter was previously addressed in my complaint, and I am reiterating it alongside my new FTC report, referencing # XXXX. Furthermore, the information regarding this inquiry, listed as EXPERIAN : XXXX XXXX XXXX XXXX, is unfamiliar to me and has already been expunged by other bureaus, casting doubt upon its accuracy. Failure to remove this inquiry from my Experian credit report will compel me to initiate legal action. My legal counsel is apprised of this course of action and is prepared to hold you accountable for deliberate noncompliance. This serves as a final warning. Kindly remove the inquiry linked to fraudulent activity without delay.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

XX/XX/2023 - {$39.00} - XXXX XXXX XXXXXXXX XX/XX/2023 - {$14.00} XXXX XXXX XXXX  XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 - {$89.00} XXXXXXXX XXXX XXXX  All charged between XXXX & XXXX XXXX This is all charged to an Associated Bank Debit Card while my wife was on lunch and the only place she stopped was XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, WI, by her work and went no where else! We believe someone at the coffee shop stole true numbers from her card and is committing fraud against her!
Consumer complaint received 2022-03-07
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. (VA)

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Consumer complaint received 2020-06-06
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. (NC)

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. The agency have failed to conduct a reasonable investigation and now I'm requesting from them all information they have affirm to have firsthand knowledge of this account reporting with 100 % accuracy.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Amex offered a XXXX dollar credit if buying XXXX XXXX XXXX, which i did buy. I never got my credit so I inquired with AMEX via online chat. 3 reps have told me that I was wrong and that the discount was applied upon purchase which was incorrect, nothing was mentioned of a discount and I never received one up on purchase or a credit to the account ( which is how they always have worked before ) I had to inquire with 3 reps that all denied the claim. I was then mad about having spent so much time getting a promotion that should have applied automatically to which the customer care team didn't seem to care about. I asked for inconvenience credits since i spent over an hour disputing, taking away from my job. The reps said they can't issue any credit. to which I said " of course you can '' they tried to say they couldn't until they finally gave me 10. I just do not like AMEX customer care, they are ruthless and out to get you! This is horribly unethical and I did not appreciate the poor service.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

We did not receive notification that our escrow amount had been recalculated due to changes in local tax rates, etc. so our XXXX 2015 payment made XXXX XXXX, 2015 was {$140.00} below the new amount. After receiving a phone call from the company 's debt collection department on XXXX/XXXX/15 we promptly sent out the additional {$140.00} we owed via bill pay through our bank. We called to confirm receipt on XXXX/XXXX/15 and were assured that the problem had been corrected. We continued to receive debt collection calls on XXXX/XXXX/15 and XXXX/XXXX/15 despite believing that our account had been made current. During the call on XXXX/XXXX/15 it was determined that our original XX/XX/XXXX payment for the incorrect, too low amount had been applied to principle and our account continued to show that we needed to pay again to be current. The customer service agents said that they would submit a request to have the prior payment applied correctly for the XX/XX/XXXX monthly payment instead of principle and we were given a timeframe of 7-10 days for the process to be completed. On XXXX/XXXX/15 we received a letter in the mail dated XXXX/XXXX/15 stating that our account continues to be past due and that we would be reported to credit bureaus if we do not pay the outstanding balances immediately. Representatives from the customer service department on XXXX/XXXX/15 stated that the letter was sent due to the erroneously applied XX/XX/XXXX payment and that the timeframe for reversal of the payment and correction of the issue would now be 35 business days. They could not provide an explanation of why the new time frame was so different from the previous time frame. They state on the phone that we will not be charged late fees or have negative reports on our credit report, but we have no documentation of this or real assurance that this will actually be fixed.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One is fraudulent reporting information and now hurting my credit after months - After fraudulent activity on the card! No one has helped me and I have been sent to collections for fraud on my card and usage I did not use.
Consumer complaint received 2022-03-07
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. (VA)

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX  ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Consumer complaint received 2024-02-07
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 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 2020-06-06
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.
Consumer complaint received 2022-06-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IN)

We have continuously been paying over {$500.00} a month to Navient, however, they still report late or non payment default on 5 of the loans, I am unable to make payments of any more than that because I am XXXX as of XX/XX/2020 and this is 1/2 my XXXX payment from the government and my physicians refuse to sign the letter to dismiss my student loans because of fear of legality which I am verified XXXX from XXXX and have not and can not return to work or complete my studies because of brain damage. We get a call every hour to two hours a day to threaten and harass us to pay. It is very disheartening even with me calling the XXXX student loan line that they can not get them to stop harassment even when Biden said that we would get a hold while in pandemic, it became even worse harassment they call from a Tennessee number every hour to two hours, everyday of the week, we have asked nicely to stop and to spread that amount across all 5 loans and they still have not.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX is failing to update their records on my credit file. I disputed inaccurate information which was listed by Bank of America ( BofA ). BofA claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on BofA 's side & I was never late during that time. BofA informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with XXXX and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like XXXX to be held accountable for complying with FCRA sections 611. I'd also like XXXX to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. Bank of America # XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

You must respond within 15 days as mandated by law, or face potential fines up to {$1000.00} for non-compliance. 
Please send me the detailed procedures taken when obtaining the investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Persolve, LLC - Legal - Series 2 (MS)

XXXX called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX  She stated that XXXX  XXXX XXXX has been sold. I did not give XXXX permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at XXXX if i wanted my information I would have to buy it back from persovle legal which I found rude as well as her attitude. All Im asking is that they settle this mess with persolve legal. I just this collection gone off my credit not in a negative way