davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

Amazon use my card without my authorization it used a credit balance to may payment s resorting up my credit balance and causing m the card to go over the and I goy charged for and that was reported the credit reporting company 's when I didn't use the card for that purpose resorting in the card being cancered for the store unauthorized conduct which I just learned what took place made monthly payment per my state and emailed amount bills they got to payment plus one from my credit balance which again was not authorized by.
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XXXX closed all XXXX of my credit cards ( XXXX personal cards AND XXXX for my small business ). The closure notice cited too many credit inquiries, despite my card account having been successfully opened over a month ago. I had XXXX inquiries on the cited report on XXXX XXXX, XXXX, and XXXX alone were XXXX! If inquiries were the real reason, they would have denied my last card on the XXXX/XXXX/XXXX! 

I think XXXX closed my accounts because I overpaid my credit card balance by ~ {$500.00}. I did n't know at the time but read later that overpaying your balance upsets them! 

Crazy how they my perfect record of making exact payments to XXXX is overlooked, by paying extra! 

I have done nothing wrong and this irrational action by XXXX will adversely affect my credit score and report. I am really disappointed in XXXX 's actions as a bank, as I was previously a satisfied customer and always recommended them.
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (CA)

I Received a call from a number who left a voicemail with reference number, called back, party named XXXX XXXX claiming from federal loan department send me a txt message with a code. The person asked for code and I provided and person was able to log into my XXXX account and gave me all the details about my school loans and option as how to pay back. 
my Social was verified, my address and my employer was verified. 
I was send some paperwork to sign and asked for the payment to be applied to Loan.the writer provided XXXX bank account number. 
after the call, I called my school financial advisor and I was told it is a scam. 
I had my credit card locked but iam still worried about my other information. 
the number that was given to me to call back is XXXX, initially a femaile called with the name as XXXX and a reference number provided ( XXXX ).
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I would like to file a formal complaint against my current mortgage servicer, SPS ( Select Portfolio Servicing ) I am in the process of applying for a loan modification with SPS. Letter dated XXXX XXXX, 2016 ( attached ) indicates I have until XXXX/XXXX/16 to complete the application process. I received a 2nd Letter dated XXXX/XXXX/16 ( also attached ) indicating that my home is scheduled for Foreclosure on XXXX/XXXX/16. 

Please advise.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2019-03-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NC)

After 10 years of payments toward the unyielding principal of the enclosed loan, it is only through its ballooning payments in XXXX that we realized, we were the victims of the predatory lending that drove our original lender ( primary and equity loans ) XXXX into bankruptcy. 
After a flurry of sale and transfer activity ( XXXX to XXXX XXXX XXXX XXXX XXXX  to XXXX to XXXX ) in XXXX, we had HUD adjustments and interest relief ( offered and initiated by the mortgage holder ) toward our primary mortgage. However, the equity loan was sold to 21st Mortgage and remained unchanged, untill XXXX and their demand for more than four times the amount, of monthly payment. 
With his job loss in XXXX, my husband chose the security and peace of mind, of paying off our primary mortgage with the majority of his 401K savings as he struggled to regain employment. At this ongoing, most financially difficult period of our lives, the enclosed documents will show the threat to our most profound need, our shelter, our home. 
I would appreciate any and all assistance you can provide, in correcting this unjust, remnant of predatory lending that allowed the lenders to walk away.
Consumer complaint received 2017-12-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have several student loans totaling {$17000.00} with Navient and my co-payer 's ( Parents ) paid one off in full {$5000.00}. 
My father co-payor called Navient on or about XX/XX/XXXX to inquire about any easy payment plans or deferred payment plans or income based loans. The call was recorded as they stated. 
I was advised by their customer service unequivocally there were no programs to help me repay he loans just pay the loan. 
Now I find out they should have helped me. 
My income was {$12.00} per hour and they could care less and offered no help on repaying this private loan. 
I would like to be included in the lawsuit due to their lies and no help. 
I have federal loans totaling {$63000.00} also who deferred payments until XX/XX/XXXX and payments will be based on my income, which is what Navient should have done.
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (CA)

I have an account with XXXX XXXX since XXXX and my account # is XXXX. I have multiple cars in that account which included the car violation notice received. I 've received many Collection Notices from the XXXX XXXX XXXX, XXXX stated that I owed them {$1500.00} for toll violation with the car XXXX. This car was in my XXXX account since XXXX XXXX. Every single cross to bridge, the toll deducted from my XXXX account but their system still creating the violation notices. I spoke with XXXX Customer Services and they told me to contact the XXXX XXXX XXXX, XXXX. I wrote letter to them ( please see attached ) along with XXXX account and violation notices. I believed the violation notices was in error but they are not willing to clear my account. Because of those violation fees, my XXXX account have a negative balance.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

Made a Washer purchase from sears on XXXX/XXXX/15 cost {$950.00}. Was told if I opened a account, would get promotional discount and no interest for 12 months. The washer was defective and returned. An exchange was made on XXXX/XXXX/15 cost {$900.00}, before the XXXX item was delivered. I change canceled the XXXX washer and purchased a lower cost washer {$840.00}. I made several payments but notice as higher balance on the account and was told I was being charged for XXXX washers. I called several times disputing the amount. After several attempts I was told as long as the account was in dispute, there would be no attempt to collect on the disputed amount. That was untrue as I received multiple calls to attempt to collect on what I did not owe. After all the calls I did not receive the promotional discount.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Citi bank allowed me to open a checking account I deposit money in there. The money set for 3 days and I didnt do any activity on my account. I woke up the next morning reading en email Citi bank has sent regarding my account closure. I was told I violate a term and my account being closed. Now Im Being told I have to wait 30-60days for my money when I asked the young lady over the phone was there anything stopping me from having this account stay open she responded back and said no. Now my account is restricted and im out of funds until 30-days im not able to get to work or provide food for me and my child.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Between XX/XX/year> and XX/XX/year>, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.
Consumer complaint received 2022-03-10
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: RFNA, LP (TX)

Republic Finance LLC illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Republic Finance LLC.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I have some weird harassing legal office calling me about some client with TD bank that states someone fraudulently opened an account in my name in XXXX in New Jersey and there is some fee or loan that needs to be paid off and/or have someone appear in court to dispute this fraudulent account. The person who calls is by the name XXXX XXXX and the legal office is called XXXX, they stated they were unable to give me the name of the client however it has something to do with the fraudulent account opened in my name at a location in XXXX near XXXX XXXX in New Jersey. The number for XXXX XXXX at the legal office XXXX is XXXX XXXX XXXX XXXX XXXX. <P/>I have never in my life lived in XXXX nor have I ever lived in XXXX XXXX. I also have no idea where those places are located as I have never even been there before. I am a resident of New York, Specifically XXXX, NY and I have resided here ( been living here ) for over 15 years. I never have banked with TD bank and I have never had an account nor have I ever opened an account with TD bank.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX XXXX XXXX XXXXXXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (WA)

Opened a MMA Savings account with BBVA based on a promotion advertised on XXXX XXXX in XX/XX/2019. The account was supposed to carry a 2.5 % APY and a {$100.00} bonus if I funded it with $ XXXX within a specified timeframe. After opening the account, I noted the rate was only 2.0 %. I called and questioned why I didn't get the 2.5 % APY promised and was told that I opened the account through the BBVA web site rather than through a link on the XXXX XXXX site, so the promotional offer would not be honored. I asked that the account be closed and my funding balance of $ XXXX be returned. I was told that new accounts don't allow for that size of a transfer out, so I'd have to initiate the transfer from another bank to pull the funds from BBVA. I did so and drew the account balance down to XXXX with the expectation that the account would then be closed. After having withdrawn all the funds from the account, I received an interest credit of {$7.00} for the few weeks my funds had been on deposit, and figured it would just be easier to let them keep the {$7.00} than to try and get it back. Shortly thereafter they charged me with a $ 15 monthly account fee because my balance was below the minimum balance to avoid the fee, and they wouldn't close the account until I paid the {$8.00} overdraft balance on the account ( {$7.00} interest earned less {$15.00} account fee put the account into an {$8.00} overdrawn balance ). I refused to pay the {$8.00} overdraft because I had instructed them to close the account before the fee was assessed, and they failed to do so. They have assessed another {$15.00} fee this month, so the account is now overdrawn by {$23.00}. I called again, same answer, they won't close the account unless I pay the {$23.00} overdraft. I believe they violated UDAPP when they didn't give me the rate advertised on XXXX XXXX, and further have been refusing to close my account so they can continue to assess a {$15.00} fee indefinitely.
Consumer complaint received 2017-12-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX XXXX a national association as trustee. 
This matter was published as occ # XXXX XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX and realtor XXXX XXXX came to me in XX/XX/XXXX demanding that I move out because he had bought the property from a FORECLOSURE bank sale from XXXX XXXX XXXX  for XXXX and produced a covenant deed. I moved out. In court proceedings he currently are denying all above after raising his right hand to tell the truth. 

On XX/XX/XXXX he presented closing papers of a sale from the above XXXX XXXX department. The documents are stamped by XXXX district court XX/XX/XXXX @ XXXX it is a, As proof he bought the house. 

PROPERTY TRANSFER AFFIDAVIT PROMPT 5.  PURCHASE XXXX PROMPT 7 SELLER. XXXX XXXX XXXX XXXX. XXXX XXXX AS TRUSTEE. 

PROMPT 8. XXXX XXXX AND XXXX XXXX RECEIVED BY XXXX XXXX XXXX XX/XX/XXXX. 

OWNERS SIGNATURE UNCLEAR DATED XX/XX/XXXX. 

XXXX XXXX must provide me a clear answer. 

What date did XXXX XXXX XXXX XXXX XXXX XXXX as trustee make this purchased closing date final, and closed the deal with the XXXX family?
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX 2012, there was a fraudulent activity on my account on card ending with XXXX for {$210.00}, This is a XXXX XXXX XXXX card. I did contact with the customer service and they are not solving the problem, the agent did not transfer the phone call to the manager. 

Please look into the matter and get me a complete credit.
Consumer complaint received 2021-09-07
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. (MD)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2017-09-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am unaware of the accounts that are listed on my credit report. I've contacted my lawyer to investigate the issue and come to find out that the accounts aren't mine. You can't continue to accuse me or force me to accept the accounts. If I know for sure that these aren't mine please stop accusing me please seriously. Now I'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I'm not someone who uses credit at no point I'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it's not removed I will take legal actions against each creditor.
Consumer complaint received 2022-09-08
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: SYNCHRONY FINANCIAL (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

XXXX charged us a monthly fee ( {$24.00} ) for several months in late XXXX and early XXXX, charged on or around the XXXX of each month, unauthorized and so fraudulent. During COVID lockdowns and disruption, we did not receive paper Chase statements, timely. We only noted the fraudulent charges upon reviewing paper statements. We live in an area that does not even have XXXX ( XXXX XXXX, NC ). We contacted Chase ( XX/XX/XXXX ) to resolve these fraudulent charges, as XXXX was non-responsive. We also asked how this could possibly happen, as our credit card was replaced during the period of fraudulent charges and we received an inadequate response from Chase that XXXX ( XXXX, Amazon, etc. ) can apply charges to credit cards even after replacement? We then received a letter ( XX/XX/XXXX ) from Chase stating the investigation was resolved, that " ... You notified us that this transaction is valid... ' and that the charges would be applied in a subsequent billing cycle. This is a lie- we never notified Chase that any of these transactions were valid ; it is unacceptable Chase allows our credit card to be subject to fraudulent activity, that Chase apparently is aware of and continues against us and others, to this day. The incompetent 'investigation ' speaks for itself. We have canceled the Chase credit card, and we will not pay for fraudulent charges. This will likely show up on our credit report, adversely to us. What is a consumer to do, to protect themselves from this madness and unethical behaviour?