davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IN)

Today, XX/XX/30, I attempted to use my Chase Southwest Card and found out my limit had been decreased by {$2800.00}. My limit has been {$10000.00} for as long as I have the card. I have been a loyal customer to Chase for many years. I have NEVER made a late payment. My auto loan is with Chase as well. When asked about the reason why it was decreased, none of the reasons even apply to me.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im a longtime customer of Bank of America. In the last year, when paying bills using the banks bill pay system, I have incurred interest payment charges on credit card accounts because of delays by the bank in processing scheduled payments. 
The bank extracts funds from my account when scheduled, but in the latest instance has taken four days to process a payment to XXXX XXXX. As a result, I will incur interest charges for the month and my credit score will drop. 
There are no paper checks being issued ; this is an electronic transfer. The only reason for such a delay is to benefit Bank of America by keeping my funds on its books, but its practices yield a financial penalty to consumers. 
The CFPB should halt this practice. 
I look forward to hearing your feedback, XXXX XXXX
Consumer complaint received 2021-06-01
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. (CA)

This account, XXXX XXXX # XXXX ...., is reporting 3 different Last Date Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in violation, and needs to be removed immediately from all 3 credit bureaus.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I reached out to NATIONAL CREDIT ADJUSTERS , L.L.C on XX/XX/XXXX and XX/XX/XXXX to ask them to validate the debt and send me proof of the debt I dont have any debt with this company nor the original creditor I have been trying to get this issue resolved and no one is responding to be I would like this account removed from my credit report
Consumer complaint received 2021-06-01
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. (MO)

My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  5. XXXX XXXX XXXX XXXX  {$6400.00}
Consumer complaint received 2021-03-01
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. (SD)

I received a call from, they said XXXX, that my account as about to be charged {$850.00}. They had the wrong name but my cell phone number. The number on the caller ID was XXXX. There are no charges yet on my XXXX XXXX but this is the second of this kind of call in the last week. 

My Phone is XXXX. XXXX denies this in XXXX of their phone numbers. I have never had XXXX to call about charges " about to be charged '' regardless of the amount.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great XXXX and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (AZ)

Bmo Harris bank, Deceptive and incorrect marketing causing excessive nfs fees and over draft fees taking advantage of low income clients. 

According to XXXX any deposits made before XXXX XXXX central time will be processed same day. I sent money through XXXX only to be told it would be processed the next day. When I called they said it had to be sent before XXXX XXXX  central time. When I found out they wouldnt credit it that day I went to the atm and deposited more money before the stated XXXX XXXX cut off only to have it also credited the next day. When I called the company they said XXXX was wrong and there was nothing they could do and I would be charged 2 nfs fees 36x 2 plus the fees from my condo company. They took no responsibility and said there was no way they could stop my payment from being reflected. This has caused me indue XXXX hours of running around only to be charged exorbitant fees. They took no responsibility for the web being wrong and said it was in my account documentation.
Consumer complaint received 2021-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2021 a complaint was submitted via CFPM regarding an account that XXXX XXXX ( XXXX ) is reporting in error to the credit reporting agencies. On XX/XX/2021 XXXX  responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. XXXX claims they " emailed '' the documents to me but I have never provided XXXX with my email address. On XX/XX/2021 I wrote XXXX requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request.
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Santander Consumer USA Inc, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Santander account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied. Thank you. Best regards!
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

My account was closed by Synchrony Bank in XXXX of XXXX for no reason. As a matter of fact, every account I had with Synchrony Bank was closed with no explanation. It was clear to me that the account was closed because I was a minority. After reading information on line, they closed a lot of people accounts for no apparent reason. As of XX/XX/XXXX, I made 100 % of my payments with all of my creditors on time. 

After Synchrony closed my accounts, I had to figure out how to pay the full card balances off at one time. So, I paid the lower card balances off first which included the following : Care Credit, JC Penny, Belks, Ashley Furniture, and Lowe 's. I missed payments on the other accounts because it was very difficult for me to come up with the full balances on these accounts. I was left with money being owed on my TJ Maxx, Paypal Credit, Paypal Mastercard, XXXX XXXX, and my Sam 's Credit Card. 

I spoke with a representative from Synychrony Bank about a settlement offer on my other credit cards. They agreed to make a settlement, but refused to send me a letter upfront with the terms of the settlement. I was told by a Supervisor that once the settlement was paid in full that I would receive a letter from them within 30 days. A total of {$760.00} was paid on XX/XX/XXXX. As of today, I have not received the settlement letter in the mail. In fact, in online account still reflects a payment that needs to be made by XX/XX/XXXX. 

They have been unethical practices in banking on their behalf. I am not sure on what rules they have violated, but I do not that this was false or misleading representation on the companies part, unfair practices, and abuse of power to say the least. 

As of today, the debt still appears on my credit report, a monthly payment is still owed, and I have not received a letter of the " good faith '' arrangement that was made with them as of today.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital One in XXXX to close my credit card account before the {$95.00} annual fee posted in XXXX. I was told I could not close the account due to an outstanding dispute. The dispute was settled in XXXX with a credit back to my account. Capital One said the dispute would take 90 days to complete. The {$95.00} fee was charged to my account. I called and was told " there is nothing that can be done to refund the fee, or close the account. They did say the fee can be refunded if I close the account within 40 days but I can not close the account in that timeframe as the dispute will not be resolved for another 60 days. Capital One is holding me XXXX over a {$95.00} fee
Consumer complaint received 2021-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have filed complaint XXXX on XX/XX/2021 ( XXXX months ago!! ) against Bank of America, but have not received any response. The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Two fraudulent charges were made to my XXXX debit card. These fraudulent charges were from 2 XXXX orders in XXXX XXXX, CA on XX/XX/2020 and XX/XX/2020, totaling {$160.00}. I have never been to XXXX XXXX. I called in twice to Bank of America by dialing the number on the back of card ; I have not been able to reach anybody from the Claims Department that can help me dispute these charges and get my money back. I have checked all of my past orders from XXXX  to make sure that I was not mistaken, and I am able to confirm that the 2 charges need to be disputed. They DO NOT MATCH UP to what I have in my order history.
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

I am having my paycheck garnished for a 10yr old {$9300.00} old debt that wasn't able to be settled between my self & the original bank. This debt is now owned by a new collector ( Cavalry SPV ) for a few hundred dollars, who is shaking me down/extorting me for {$9300.00}. Unable to pay rent & children school fees.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I purchased a house in XX/XX/XXXX, using cash from my retirement account and a loan from a friend. I intended to get a mortgage to replace the funds and repay my friend 's loan. I applied in XX/XX/XXXX to Quicken Loans through their Rocket Mortgage division. The first person I talked to, XXXX XXXX, did an initial evaluation, asking a bunch of questions. One of the many questions XXXX XXXX asked me was whether I 'd been in the house for six months. My response was No, I 'd been in the house FOUR months. 

After answering her questions, XXXX XXXX passed me off to someone else, whose name I do n't recall, but who was a Loan Processor. He asked me some of the same questions as XXXX XXXX and sent me a rate lock-in agreement, which I signed and returned as instructed. He said I had to get the house appraised and the cost was {$500.00}. I agreed to the appraisal and paid the {$500.00} and signed the Deposit Agreement. In the meantime, the processor sent me the usual mortgage application documents. 

A few days after the appraisal was completed, the loan processor called me and said hed just discovered Id only purchased the house four months ago, and their company required the applicant to live in the house for a minimum of six months before refinancing. So, I was informed, they were unable to proceed with the refinancing. I argued with the processor that they shouldnt have made me get an appraisal on the house since it was already pre-determined there wasnt any way Id be able to get the mortgage. I felt they cheated me and played dirty. I asked him if this bait-and-switch was the way they just another revenue stream for them. A few days later, I received a letter from XXXX XXXX, stating they just wanted to remind you [ me ] of the reasons why we are unable to help you with your loan at this time. They went on to claim the reasons were related to Collateral ( Title Issues ) : liens, judgments, vesting. 

The letter was a total lie and I didnt appreciate being lied to. I demanded my {$500.00} back and was denied.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

XXXX, XXXX, XXXX all display record of " delayed payment '' related to an old car lease through Kia Motor Finance. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX Phone. XXXX-XXXX-XXXX  Fax. XXXX-XXXX-XXXX Lender Kia Motor Finance Account # : XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS refused to accept the HUD modification-assisted program. 
SLS refused to give me an affordable modification SLS threaten foreclosure as it's now in a Pre-foreclosure status SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email SLS is the servicer of our HELOC and XXXX XXXX XXXX XXXX is the current creditor. 
XXXX XXXX ( account manager ID XXXX ) told me, if I needed a modification, I would need to go through the HUD government program for assistance. 
HUD submitted a full modification package with the documents I provided. BUT the account manager, XXXX XXXX REFUSED to accept HUDs authority and do a modification. She insisted that if I want to save my home, I will have to accept the terms of the investor ( XXXX XXXX XXXX XXXX ) or they will foreclose on my home. 
I have spoken to many representatives in the SLS ( Resolution Department ) but most representatives were very harsh and unprofessional. 
One representative said, BY LAW THEY HAVE TO TELL ME TO GO TO HUD FOR ASSISTANCE, BUT SLS DO NOT HAVE TO FOLLOW OR ACCEPT HUD MODIFICATION PROGRAM. SO THEY WILL FORECLOSE ON MY HOME IF I CAN NOT ACCEPT THEIR TERMS. Their demands are {$80000.00} cash upfront and a very high-interest rate on the balance ( payment to {$1200.00} for a short 3 years term and increased to {$2000.00} until XXXX ). Our 1st mortgage payment is {$4300.00} not to mention the increased property tax and insurance yearly. 
XXXX is very unreasonable and harsh with me because I file complaints to the CFPB concerning their MISCONDUCTS AND PREDATORY COLLECTING PROGRAM. THEY ARE FORCING XXXX OUT OF OUR HOME or INTO BANKRUPTCY WE JUST WANT AN AFFORDABLE PAYMENT PLAN WITH A LOW-INTEREST RATE. We can not afford any CASH upfront as we used up our savings to keep up with the first mortgage and cost of living during the COVID XXXX LOCKDOWN. 
List of SLS of some of the representatives I have spoken to, trying to get an affordable payment plan but with no avail XXXX XXXX many times until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am not aware of this debt. 
I have no knowledg of this debt. 
I called and I was told that the date listed is incorrect. XX/XX/XXXX is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Date is incorrect as well as debt is incorrect.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores. The problem has already been resolved on my XXXX and XXXX report.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

EVERY other week, for over a year now ( some ) " bank '', H & R Block owns and operates, despite their claims to the contrary ... is used for their " Emerald Card '' deposits. I've had an account for direct deposit with em since 2018. 

Three years, I've been a customer and for the last year and half of it, they have been putting a freeze on it ... ( every ) deposit, received ... EVERY TIME! Up til recently, I've been able to get them to unlock it, through nothing short of hair tearing phone conversations, to whatever country their accents are from?? 

Last deposit, 2 weeks ago, they straight up said " no '' ... when I told em to unlock it, again ... for the umpteenth time! Cause it ain't just once that they do it! I've been in line at the store, bunch of groceries and it'll just get declined ... with plenty to cover the bill! 

They ( keep ) doing this to me, and now it's my unemployment money ... and they KNOW IT. They're killing me, to keep it for themselves! 

I tried the people at, " Fair Shake '' ..they said the same XXXX as this site. You'll send em a letter and hope they respond to it. 

If this were a shoplifter, they'd already be full of holes by now! Steal people 's pension or unemployment though..and then we can just " hope '' they give it to back!?? 

Please ... ( HELP ) ... with something other then a useless letter! I'll be dead, long before it even gets tossed, into their waste basket..and I'm pretty sure they're aware of that fact!
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/21 at around XXXX XXXX  I went to Bank of America ATM machine to pay my credit card bill. After I scanned my card the money window opened. I inserted two  XXXX XXXX dollar bills. The machine took my bills and right after that the machined died. It did not print any document as a proof of accepting the money. I then went inside the lobby to complain. The manager listened to my complaint and said Oh dont worry it will be credited tomorrow. 
It has been over 45 days now that my money is not credited. During this time I called the bank several times. Each person says different time. They say it will take a week, or sometimes a month or two or even three. They are just making may go around. I am a retired man and every dollar means so much to me. I need someone to help me