davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

On or around XX/XX/XXXX I telephoned XXXX XXXX credit and requested to close the account. I also requested the total amount due and paid that amount via a debit card. The representative DID NOT tell me that there was a late fee and did not include that amount in the total amount due. I paid {$160.00} and assumed the matter closed. I never received any communication of any kind from XXXXXXXX XXXX credit. I moved across town but submitted a forwarding request with the U.S.P.S. and all other mail has been forwarded to my new address. 
This matter only came to my attention when applying for a home loan and seeing my credit report. My credit had dropped almost 100 points and this was the only negative item on the report. In XX/XX/XXXX my  score was XXXX, now it is XXXX! 

I feel XXXX XXXX credit intentionally failed to tell me about the late fee when I closed this account and has an internal policy of delaying processing payments in an effort to generate exorbitant late fees. They intentionally failed to make a good faith effort to notify me of the late charge. They have greatly damaged my credit!
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (FL)

XXXX HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TIDEWATER FINANCE COMPANY, INC. (AL)

Tidewater Finance has continue to report this to the credit reporting agencies stating that i owe them this debt for a credit card from XXXX XXXX XXXX which i have never received no card nor furniture from them. I have sent in validation letters to show proof of this debt, police report, affidavits, and proof of supporting documents for myself but they have responded that everything matches and that this is my debt which it is not. I have been a victim of identity theft since 2016 and have notified the CRA about this matter.
Consumer complaint received 2019-06-05
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 been dealing with the credit bureaus for months now I have sent in all the documents that have ask me to send in to prov that i was a victim of identity theft.The accounts are still on my credit I would like for them to come off
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

I just received an email from Chase Bank regarding my Chase Amazon Visa Card. They are updating their terms to roll in a new 'Penalty APR ' of up to 30 % if you are unable to pay the minimum balance due - this goes into effect on XX/XX/2021. Previously the maximum APR was 23.74 % I believe ( I got the agreement off your website, Chase does not make it available online ). 

They are also expanding the definition of a cash advance to apply to many different types of cash transfers that will impact a lot of people negatively. 

Seems like a way for Chase to capitalize on people struggling to make ends meet during the pandemic. I am very concerned about the effect this is going to have on people who have been less fortunate during these difficult times.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
Consumer complaint received 2019-08-13
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, TRANSUNION, AND XXXX )
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (WA)

This is in regards to a company called SageStream , LLC. My credit score is XXXX and my XXXX is XXXX yet they report we have serious delinquencys and other false claims! We can't have excellent credit and have the things they are claiming! I have seen so many complaints about them! They need to be stopped!
Consumer complaint received 2022-10-09
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)

I sent letters off to each bureau on XX/XX/2022. Here are my tracking numbers : # XXXX, # XXXX, # XXXX. I sent these to remove personal information that does not belong on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution should share my information to third party entities or individuals. 

These are clear violation of my federally protected consumer rights.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Report XXXX XXXX Account # XXXX XXXX has violated my rights. 
15UST.1681 section602 A. States I have the right to privacy 15USC. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have completely paid off my balance and it still shows a full balance on my credit report reported this to Trans Union and asked that this be corrected I have also called XXXX XXXX XXXX to wish they told me they fix this and have not
Consumer complaint received 2020-09-05
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. (CA)

On XX/XX/2020 I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XX/XX/2020 reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XX/XX/2020, XX/XX/2020 AND on XX/XX/2020, I wrote to TransUnion, XXXX and XXXX as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

TransUnion, XXXX, and XXXX continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( EXPERIAN, XXXX, AND XXXX  )
Consumer complaint received 2018-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA") (KS)

We began the process of requesting a subordination back in XXXX and our subordination was finally approved in XXXX. Now that our subordination has been finalized we are in a position in which we feel deceived by NACA by limiting the amount of money we can withdraw from our HELOC to {$11000.00}. 
We have bent over backwards again and again to provide anything and everything NACA has asked for. We have provided quotes, estimates, bank statements, utility bills, taxes, property tax bills, HOA documents, mortgage statements and multiple letters explaining why we were requesting the subordination. I spent hour upon hour on the phone with their MAP department to prepare our file and go through your " extensive counseling session '' prior to be sent to underwriting. We were told from the get go the requirements were to not exceed a DTI of XXXX XXXX and go through the counseling subordination process. We are well within this requirement even after the HELOC approval showing that we have over {$100000.00} in equity in our home. We also had to pay for the appraisal and application for the HELOC before NACA would continue with consideration for the subordination. Our current DTI is somewhere around XXXX XXXX which we pride ourselves on and therefore meet the requirements provided to be approved. 

I am very disappointed in the lack of response from most everyone I have encountered at NACA. My lender and I have left numerous voicemails and emails and have received XXXX response. I spoke to someone in the MAP department 2 days ago and she received a confirmation from a manager directly that he would call me back later that day. Here we are today and still no call back. 

We were provided terms for qualification and a list of documents needed for the process. We compiled XXXX XXXX and we qualify per your terms provided. I will also point out that this process took 4 months which is absolutely unacceptable. We now have to reapply for the HELOC, have our credit run again and pay for a new appraisal due to the delays we have encountered. It was never once discussed with us that there would be a limitation on the amount we were allowed to withdraw from the HELOC. This was deceptive and it needs to be corrected immediately. 

We are requesting the subordination paperwork be reprocessed with a limit adjustment to {$50000.00}. We have provided statements and quotes as well as letters explaining in detail how this money will be spent. The bottom line is that we were never disclosed the limitation of funds we were able to pull and therefore incurring additional fees and credit inquiries because of this deception. If there was to be a limitation it was never disclosed. 

We don't have any documentation to include as we were never provided anything in writing from NACA. All conversations were completed by telephone which I am told each time I call that they are recorded.
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am contacting you because I have recently been treated wrongfully by Navient. During my entire tenure with Navient, since they split from XXXX, I have made on-time consecutive payments. As a result, I have always had the waiver eligibility ( XXXX ) of the final 6 payments ( amounting to about {$2000.00} ) waiver notification present for all of my four Stafford loans. My 114th payment should have been my last. However, on XX/XX/XXXX, the day after my 114th payment, they removed this benefit without giving a reason. I called them to let them know of the error and they stated, by mail after a week, that I am ineligible because my loan term is less than 10 years. This is untrue, my loan term is exactly 10 years, which satisfies the conditions. They are trying to remove this benefit that I was expecting and was very much looking forward to. They are ruining their reputation ( in my eyes ). Will I need to get an ombudsman ( or even a lawyer ) to fight for reinstatement of this eligibility?
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/22 I visited Ashley Furniture Store looking to purchase furniture. I have an existing Ashley credit card through Synchrony Bank. I was told by the sales rep that I could only use my existing card if I first applied for another credit card. I was told that Ashley was moving away from synchrony and transitioning to XXXX XXXX for its credit card. I was told that if I applied and got declined or didnt get approved for enough credit, only then could I use my existing credit card with synchrony. This is a violation of UDAAP. I was able to use my existing credit card online but the sales rep was so focused on getting a sale that told me not to complete the online transaction, they created the same sale in store despite first telling me that the prices in store would be much hirer. The rep split my order between both credit cards ( XXXX XXXX XXXX / XXXX ). I was able to find furniture with a much shorter estimated delivery and canceled my order 5 days later. I was initially told that I would have to pay a 12 % fee for any items that were already available, however the store manager did a bait and switch by telling me I would be charged 12 % fee for the entire order.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OR)

On XX/XX/2019, someone, ( not me ), applied for a Citibank credit card. I contacted the company and asked them to remove the information from my credit report and their files. They stated they could not help me and advised me to file a complaint with your bureau which I did. 

They denied my complaint. They stated I did apply for the card because my old address, SSN, name, and date of birth were used. Therefore, they would not correct the information they filed about me with the credit bureau. 

I have since learned, my personal information to include name, date of birth, SSN, and physical address were among the millions compromised in the XXXX Data Security Breach announced at the FTC 's website on XX/XX/2019. When I entered my last name and last 6 digits of my SSN on the FTC 's website, they informed me my information was compromised by the XXXX breach. 

Additionally, I sold the house ( XX/XX/2019 ) used as the physical address by the credit card applicant on XX/XX/2019, and moved from that residence on XX/XX/2019.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX, XX/XX/XXXX where I was ( traveling in XXXX for work ) I received a call from a Chase number telling me I needed to perform a wire reversal of two transactions equaling XXXX dollars from my Chase business account. After performing the transaction, I called Chase immediately and they told me it was a verified Chase number calling, and to expect my money back in 5 business days. Several days later when the money was never sent, I called again, and it was only then that they flagged it as fradulent. They couldve stopped the transacfion, but never even sent me an e-mail or notification that the money was transferred. This was every dollar in my business account, and they did absolutely nothing to protect, and they are continuing to not contact or help me regarding the claim. It has now been over a month since this transaction.
Consumer complaint received 2022-04-02
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: JPMORGAN CHASE & CO. (OH)

Ive been using this XXXX XXXX XXXX card for months. Chase sent me a new card with new numbers. The new card is active, making purchases, and even showing that I am collecting rewards. But I had hundreds of dollars of rewards saved, that still show on chases website, but are locked out of use at XXXX. XXXX has told me 5-6 times that the issue is with chase. Chase exhaustively claims the problem is with XXXX. I need to know which jurisdiction covers deliberate theft of reward points while both institutions demonstrably lie to me. Every time I talk to them Im told 24-48 hours and its been weeks. Thank you
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I successfully opened a Citi Priority account online due to receiving a personalized ad from Citibank offering {$1500.00} bonus for opening account and funding the account with {$200000.00}. I was successfully able to fund the account from my XXXX XXXX  account and Citibank did not require any further verification of identity in order to successfully open and fund the account at that time. By XX/XX/XXXX, the I could see online that my funds became available on my mobile app and web browser. On XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX stating Citibank Fraud Prevention was not able to verify recent activity on my Citibank account and asked to speak to me directly by called the provided number XXXX options 2, 5. When I called this number, the representatives I spoke with were very difficult to understand and sounded as if they operated overseas. After asking all verification questions to access my account they then proceeded to tell me that the account could not be verified and abruptly hung up. 

This occurred repeatedly between the dates XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I drove to the closest Citibank Branch and asked to speak with the branch manager to see if he could assist me with accessing my account. I was asked to present my California 's Drivers License, and Citibank Debit card matching my account, which I did. The branch manager then called the same phone number XXXX and let the fraud prevention team know I was trying to access my account and that he had verified my identity by my California 's Drivers License and Citibank Debit card. However despite all of this, Citibank was unable to verify my identity and could not remove the block on my account. 

On XX/XX/XXXX, I visited the Citibank Branch again and spoke with the branch manager, XXXX XXXX. After speaking with the fraud prevention team supervisor on the phone, Citibank announced that they were closing my account on the phone. However, I have not received any letter or written documentation stating this. Citibank is also unwilling/unable to provide any documentation or letter stating that they are closing my account. They keep saying that they are going to close my account within 30-60 days but they can not provide concrete dates of when my account would be closed and when the 30-60 day time period would start or end for me to receive a check in the mail.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE FARM BANK, FSB (CA)

State Farm Bank.

So, I deposited a check in State Farm Bank for {$5000.00} on XX/XX/2020. 
Then, they put my account on hold for a while, and around XX/XX/2020. 
On XX/XX/2020 When I tried to use the account, my Debit Card was already blocked. So I could only use the account for 6 days, around XX/XX/2020. They Closed the account. Finally, they Officially closed the account on XX/XX/2020. I have never received any written statement letter. No account balance, withdraws/deposits were ever mentioned. Only 1 check came back for XXXX $ which they are denying to post electronically into my account. I have visited their Agent Office twice for Identification Purposes. THey want me to withdraw the check even though being aware that my License was recently stolen and due to COVID-19. the banks have been working slow. Please respond to me ASAP. Last time I spoke to a customer representative, they clearly said. Do whatever you want, we would not deposit any money. Cash the check only.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX 2017 I wire transferred {$12000.00} from my XXXX XXXX XXXX bank acct to coinbase inc. I have an account with them to buy/sell cryptocurrencies. they rejected my wire because of " account name mismatch, and your funds have been returned to your bank ''. .I have yet to receive any funds from them. this is going on 3 weeks later