davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

On XX/XX/24 I issued a wire transfer of {$50000.00} ( daily limit ) to one of my own external bank accounts. And on XX/XX/24 I issued another {$50000.00} again to same external bank account. Both transfers are to be used for a property purchase. I received a few emails on XXXX stating the wire transfers were pending but that I did not need to do anything. Then again on XX/XX/24 an email to authorize the transaction where I had to click Yes to authorize the transaction. Then I received another email to call their number to verify the transaction. I then made a 30 minute phone call with Citi Bank ( long-distance from XXXX ) and correctly verified all of their questions. I was told nothing else was needed. I received one of my wire transfers on XX/XX/24. However on XX/XX/24 without any other communication via email or phone call the other {$50000.00} wire transfer was canceled. Citi bank clearly has my email and phone number and has already received numerous verifications from me. There is no reason left for them to withhold my money and refuse my wire transfers. They did not give me any other communication regarding why the wire transfer is still on hold and then canceled. Citi bank is unlawfully withholding my funds. As a customer I can not rely on this bank to give me access to my funds when I need it. I've had to change the closing of a property purchase this week because of Citi bank not performing the wire transfers or giving me any other option to access my funds.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have filed several disputes with XXXX XXXX XXXX and Portfolio Recovery Associates and XXXX  XXXX  and XXXX. This is an identity theft matter and I have executed an identity theft affidavit and statement to or with Portfolio Recovery Associates and submitted this to XXXX XXXX XXXX. XXXX XXXX XXXX and Portfolio Recovery Associates have continued to report this fraudulent item to my credit report causing me to not get a Covid loan for an emergency due to this report. I am attaching to this complaint the affidavit of identity theft and accompanying documents. This is NOT my debt and I did not open or authorize this account to be set up in my name with XXXX XXXX XXXX and Portfolio Recovery Associates, yet they keep reporting this erroneous debt in violation of the FCRA and FDCPA.
Consumer complaint received 2021-02-04
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. (TX)

Okay so at this point I am XXXX. In XXXX, Transunion deleted the following accounts : XXXX XXXX {$24000.00} XXXX XXXX {$15000.00} XXXX XXXX {$22000.00} In XXXX, they added these fraudelent accounts back to my credit reports. Not only are they continuing to report inaccurate unverifiable information, they placed these items back on my credit reports with out sending me a FIVE DAY REINSERT LETTER. I did my research and that is the only way they can LEGALLY add these accounts back to my credit profile. So at this point Transunion need to delete these accounts or I just may have to file litigation because this is so illegal because under the FCRA Experian must send be a written notice 5 days before adding these accounts back to my credit report.
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

The collection agency is : XXXXXXXX XXXX Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Ref : XXXX. 

They are alleging that I owe {$5400.00} in back rent for a property that has no Rental Suitability License ( rental license ) as required by the City of XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

I took out a loan for furniture with this company around XXXX and XXXX. Thye had a promotion at the time that stated if you paid your loan off within so many months you would not be billed interest. 

I had just about paid off a furniture loan of 6k when I decided to get a smaller loan for a bed and used their loan services for a smaller loan around 3k with the same promotion no interest if paid off within a certain timeframe. I had paid off the larger loan within the promotional period and was about to pau off the smaller loan, i had literally 1 payment left which when i paid it did not get applied in time or got applied to the other account. Conns telephone representatives were extremely rude and unhelpful, i felt they did this on purpose to get more money out of me. They are unfair and deceptive when it came to their interest free loans.
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/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. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2022-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

I never received any notification about the forclosure and I had already had a hired a attorney help me in case any issues like this would come up! Yet the company are starting forclosure process while I was in forbearance and have never tried to work with me or my attorney! There was a gentleman that called me, and told me to fire my attorney and get my money back because he was giving me all the wrong information! I have requested to Rushmoore to have to all communication with my Attorney only because I don't understand how all this works since I never been through this! I also requested that they send all copies of the paper work that I signed to my attorney and yet they have not sent them and the only thing they have done is sends me letters delaying the process over and over again! This company is not following the laws at all because they have made changes to my credit report and they have failed to do any communication regarding the forclosure issues while I was in forbearance and will not communicate with my attorney to send the paper work and have someone call me to get rid of my attorney and was very nasty about it and cruel! How this company able to this and without any communication through my attorney? Are they allow to be so cruel and make these changes? This company has caused me so many problem and this why I filing another complaint and would appreciate answers back regarding this matter!
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Im quite aware that I have the given right as a California customer and consumer to make as many payments as I want to any financial institution at any given time, prior to any due payment date. 

However recently their online payment system is NOT allowing me to make payments prior to any due payment date. 

Also, I have encountered several issues trying to make credit card online payments through the CHASE CARD CREDIT SERVICES website : https : //www.chase.com.

The Chase.com online payment system is purposely sabotaging the credit card payment process, by eliminating and NOT displaying the expected payment confirmation page. 

Usually, when I make a credit card payment on the Chase.com website, it displays the following parameters information on its dashboard page : 1. Schedule a payment page, Payment Type, Pay from, Payment due Date, cancel tab, and Pay this bill tab. 

2. After setting and selecting the above parameters, I click on the " Pay This Bill tab and the system is suppose to automatically take me to the confirmation page. 

3. The confirmation page usually displays the following information : " Does everything look OK?, Amount of payment, Payment date, Pay from, Back Tab, and Pay It Tab.

Then I click on the " Pay it tab and the payment is posted.

However, recently Chase.com credit card online payment system does NOT take me to the dashboard confirmation page, and does NOT allow me to finish making my payment. 

The confirmation page is completely empty. It does NOT provide me with the following information : Does everything look Ok?, Amount of payment, Payment date, Pay from. Back Tab, and Payment Tab.

I have contacted Chase credit card credit services by phone at XXXX and spoken with several phone representatives to inform them of the malfunctioning of its credit card payment system and they have provided me with contradicting information on why this is happening. 

They have even told me that XXXX credit card payment system wont allow me to make a payment because I dont have a payment due at this time. 

I know that statement is completely false!!! I have the right to make as many payments as I want. 

I have also contacted them through their secure message system on the Chase.com website and they have not resolved the issue. 

Making these online configurations not accessible to their customers especially under the Covid-19 Pandemic situation, is unacceptable. Chase JpMorgan Bank. 

Chase.com and JPMorgan Bank should be penalized for these fraudulent business tactics against their customers.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I submitted two payments on XX/XX/2021 in the amounts of {$260.00} and {$260.00} through PayPal. Both transactions were refunded, and the payments were cleared as refunded on the PayPal app and website on XX/XX/2021. As of today, XX/XX/2021, I have not received the refunds totaling {$520.00} in my bank account. PayPal refuses to follow up, and my ticket was closed after the customer service representative submitted tracing info and told me I would receive the tracing info so I could present it to my bank. I never received the tracing info, and I had to start the process all over again. Further, I am deeply troubled by my bank statement, as my money appears to have disappeared into the abyss, and the transaction history has been altered as it is not reflected in my PayPal balance nor my bank statement, except for the amount reflected in currently available which is exactly {$520.00} less than what should be in my account. 


PayPal has not followed their own policies or terms of service, and their reps are telling me one thing which never aligns as accurate according to my bank statement. 


I am filing a complaint and will see it through with this institution and others until I have received my {$520.00} back in my account.
Consumer complaint received 2021-02-04
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/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. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

My credit card account was transferred to Comenity sometime in XXXX or XXXX of XXXX. I did not receive a statement for XXXX. 

I had to call XXXX  XXXX XXXX to inquire about which company my account had been transferred. They told me Comenity. I was able to find a phone number for them and called them. They said they would send out a statement, which they did. 

The problem is now they want a double payment ( which I can not afford ) AND they tagged on a late fee of {$28.00}. I just called and she said that she would NOT remove that fee or the double payment due. 

I also let her know that I could not register online to pay my account. She said that my account number had changed and they would send me yet ANOTHER statement with the new account number. She did not have an explanation of why they did not send the correct/new number with the statement they JUST mailed to me. 

She told me it would take seven business days to receive my new statement with the new number. I let her know it would most likely not reach me on time, as it would be delivered past the due date. She told me there was nothing she could do and I would have to pay yet ANOTHER late fee ( this one {$39.00} ). 

This company has MANY online complaints from other consumers with the same problems and complaints. I know I'm not the only consumer having problems with them.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (VA)

As an Active-Duty Service member, I am ashamed and disgusted with how I was treated during my call with AMEX. On XX/XX/2022 I contacted AMEX in regard to a defaulted account. I explained that I had experienced a financial hardship and that I wanted to re-establish a relationship with AMEX by satisfying my debt. After speaking with the representative for about 20 minutes discussing available options, he informed me that his manager, XXXX, was listening in on the call and wanted to speak to me. XXXX began speaking in a hostel and threatening manner, stating, " they were going to send my account to collections if I didn't take the offer and that I didn't want that ''. When I refused and ask about the financial hardship program, he became annoyed and spoke to me in an intimidating manner. He then told me AMEX didn't offer financial hardship programs, which I know isn't true. I explained, the person I spoke to previously, told me he would get to the perks of the XXXX and now you're telling me this isn't a thing. I informed XXXX that I wanted to come up with a plan and put things in writing so it's a binding agreement and he refused and said they couldn't assist me because I wouldn't make a payment during the time of the conversation. He later stressed the fact that I hadn't made a payment in over a year. I then told him that understood how things worked and that I wanted an agreement. I even stress the fact, AMEX had reported my accounts incorrectly on my credit report that gives misrepresentation of my account status, but my intentions weren't to challenge them but to meet common ground. I have never experienced anything as such from AMEX.
Consumer complaint received 2022-11-17
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. (TX)

I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX XXXX XXXXXXXX - EXPERIAN is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )
Consumer complaint received 2021-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have applied for Load Forbearance on my Navient Private loan multiple times. I have not received a response any of the times that I have submitted the School Closure Form. I just submitted the form again, but you can not view the submission in your online account and I have not received an email that Navient will process the request which has happened in the past. You just don't receive a response. I previously went to XXXX XXXX XXXX in XXXX, which has closed. I had a loan from them in the total amount of {$9400.00}. I currently have a XXXX % interest rate and have a remaining unpaid principal of {$4400.00}. I continue to pay monthly ; however, this is one thing holding me back from future goals. I don't believe I should have to pay a {$9400.00} balance which I have mostly paid, but won't fully pay off until XX/XX/2025 for a school that has closed and I was unable to obtain a degree from.
Consumer complaint received 2021-02-04
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. (GA)

experian repeatedly reports incorrect information regarding my credit, i have report XXXX ( XXXX master ) is listed 3 times on my report, the company generated a replacement card ( i did not ), i called about a retailers refund and was asked had i received i said no they sent another and another, none of these cards were ever used so they sent and i received a card that i have now which is open and has a XXXX  limit and XXXX  balance the same as when they replaced the first card, i have only one acct with XXXX ) so pls correct this and it is open with a XXXX  limit and XXXX  balance XXXX loan was transferred, paid and full and closed due to refinance with XXXX XXXX  XXXX i have only one mortgage and it is with XXXX  ( pls correct )
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (MO)

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. Santander Consumer USA 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 2021-02-04
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I purchased a grill online from Lowes to be picked up at their location. After two months of not receiving a notification that the merchandise was ready for pick I decided to cancel the order. I went directly into the store to cancel the order on two different occasions and was told that as long as I didn't pick up the merchandise I would not be charged. I received my statement and I was charged for the grill. I called the creditor, Synchrony Bank and explained what happened and was advised to dispute the balance. I went into their webpage and disputed the balance. 

As of now, the balance still remains and when I called to find out what the resolution is, they said nothing as of yet and would submit a second dispute. Then they proceeded to tell me it would take another 60 days?!
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 
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 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 2022-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Student loans were consolidated and transferred from XXXX to MOHELA with a completion date of XX/XX/22. 
Public student loan forgiveness tracking is still not updated. 
Spoken on the phone and with multiple representatives through the MOHELA chat feature and receive different information each time. 
It has been over 90 days since the transfer was complete and today I was told by a representative that I need to wait up to another 90 days for my payment tracker to be updated for a potential total of over 180 days.