davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Merrill XXXX was advertising a bonus of {$500.00} if I moved my investments from other companies. I moved over {$100000.00} over and maintain {$90000.00} of it in the account after a withdrawal. Merrill XXXX denied my bonus and it's been almost a year and I still don't have the bonus
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

I have recently lost my job and contacted Shellpoint Mortgage Servicing about any programs/options they may have to assist me. 

My first contact was shortly after I became unemployed on XX/XX/2018. In this conversation I was informed that there was a pay for two months, then defer two months payment. 

My second conversation with Shellpoint Mortgage Servicing on XX/XX/2018 led me to first believe that there were NO options to provide me that would help ease the pain and stress of being unemployed. 

Once pushed, I was forwarded to another customer representative to discuss the options which suddenly became available. The options available are for a 3-month forbearance which will become 100 % due on the fourth month. The fourth month would require 4 whole payments at once!

I do not believe this is a viable option that would be of help in relieving the financial burden during a period of unemployment. Having to come up with 4 months of mortgage payments after having been unemployed adds to the financial stress caused by the disruption in income.

When asked about the original offer of deferring two months after having made two months payments, the customer service representative told me that my financial backer, XXXX XXXX   does not participate in that offer. 

I am having a hard time believing that there are no viable options that would be of benefit to helping a customer out during a time of financial burden.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

I am messaging you in regards of my bank refusing to give me my money back. I received 2 fictious checks ( from XXXX XXXX Bank ) after completing a XXXX XXXX for a stranger. She told me her bank wrote charge wrong and told me to clear the check and send the money back to her. I sent through XXXX. This happened 2 times and I had to send my personal money that resulted in {$3100.00}. I've filed a dispute with my bank, PNC but they refused to reimbursement my stolen money. I really need help.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX M y brother XXXX XXXX opened an account with the previous Bank Washington Mutual, which later became Chase. He opened the account when he was attending XXXX  University. He provided my mother with Power of attorney several years ago if he needed to close the account or make other changes. 

A Chase Bank officer told us at that time that it was fine to leave a power of attorney. I downloaded the form, and we filled it in. We went to the Bank and were told the form was fine. My brother XXXX XXXX XXXX wants to close the account., somehow now Chase Bank is not accepting the Power of attorney. 

Due to Coronavirus restrictions, my brother could obtain any legal document in XXXX to send here to close the account. People are dying every day, and my brother has an XXXXXXXX XXXX. He needs the money to live for six months. 

On XX/XX/XXXX, the Chase Bank rejected the Power of attorney because of the wording. I got the official Power of attorney form provided by Chase. One of the officers helped us to fill in the form. I scanned the form and to my brother. It took my brother several weeks to notarize the document due to COV 19. He scanned the document and sent it to my email. I took the document to Chase. They rejected the document provided by the bank again. The lady told my brother has to take the document to the USA Embassy in XXXX. This request is ridiculous. My brother used Chase 's form, it was notarized by XXXX standards, and It was rejected. 

They do not want to allow my mother to close the bank account on behalf of my brother. 

My brother can empty the account of Chase will start charging him {$15.00} each month for not keeping a minimum My brother lives in XXXX, XXXX where the COV 19 is causing many deaths. He does not live his apartment. He needs to close this account.
Consumer complaint received 2021-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I tried to secure an IRRRL refi with Penfed ( Pentagon Federal ) and they just strung me along. Instead of telling me from the outset that they didn't do refi 's under {$100000.00}, they made a fool of me. I don't think they want to make 30 year mortgage loans to XXXX veterans who are older. I'm XXXX and I feel I was discriminated against. I've been working on this for a month and a half and I even got a replacement Social Security card to satisfy them. I received a denial in the mail, yesterday. You can't contact these people by phone. The loan # XXXX and my Penfed # XXXX. The loan officer who never returned my calls is : XXXX. The COO who never returned my e-mail is : XXXX The EVP/President Mortgage is : XXXX I also plan to file a complaint with the Texas State 's Attorney over age discrimination against a XXXX veteran.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS XXXX   2020, XXXX 2020, XX/XX/2020 2020
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XXXX 2020, XXXX 2020, XX/XX/2020 2020
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (CA)

Today I noticed two cash advance fee ( {$12.00} and {$10.00} XXXX were posted on my Barclaycard ending in XXXX. I called the bank and they said these were charged due to two recent same-day transactions with XXXX XXXX. However in this XXXX, I called Barclaycard and had a phone representative to lower my cash advance on this card to {$1.00} ( because according to her {$0.00} cash advance can not be setup ), and she confirmed any cash advance transaction over {$1.00} would be automatically declined. So, anyway, in today 's call, the new rep confirmed there was no cash advance limit set up on my account, and they were not able to waive the cash advance fee. I asked to speak to a supervisor, she looked up my account and would only waive the {$10.00} cash advance fee as a courtesy because it was the latest posted ... So my understanding is, back then during my call with the female rep, either she messed up on her side that she did not successfully lowered the cash advance limit, or she simply lied to me, as the male rep today said he could not find such cash advance limit change on file. Unfortunately, I do not have any email proof as this was conducted by phone, but I hope the call with the female rep in XXXX was recorded in case the bank needs any proof. These two " cash advance '' were definitely not intentional as I would believe any cash advance would not be able to go through like the female rep firmly told me. Therefore, I do not think it is fair for me to bear the cost of this cash transaction fee due to the fault of their representative. In addition, both cash advances happened and posted on the same day, it does not make sense that one is latest posted ( while the other maybe 1 second later ) so they can only reverse one fee.
Consumer complaint received 2021-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NJ)

This account was past around to 14 different creditors. The account was closed but I guest management services incorporated picked it up. The account once was removed off my credit report but the collections agency keep putting it back on every new year. Someone used my name after I pulled back from cosigning. The sales rep at the dealership proceeded anyway after I told him I changed my mind. The next day after me leaving the dealership. This account was back in XX/XX/XXXX. Now the debt collector place it on my credit as XX/XX/XXXX with the amount of {$10000.00}. I reached out to the collector and told them what happened and said the can do a settlement for {$1000.00} I agreed but then I ask can I receive a letter of proof stating I resolved the matter and they said I would have to wait. I thought if I pay with my Credit card I should be able to receive proof so now I had doubt on paying the settlement and the reason I was going to pay the settlement because I was trying to buy a house because I just got married and need the later to proceed with buying my house. I really don't fill like I am responsible for this debt.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account XXXX : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 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 2017-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (WY)

I was injured on  XXXX   XXXX ,  2016 . I made my  XXXX  loan payment, but called Prosper to let them know I could not make full loan payments until I recovered from  XXXX  and went back to work full time.   The prosper representatives I talked to promised a " program '' that might allow me to move my payments to the end of the loan, but only after making  three  additional payments. It sounded suspicious, so I questioned them very carefully. This program was a lie. No such program exists. They only admitted this after suggesting I borrow from friends and family to make these " qualifying '' payments. Lies may not constitute fraud, but I was lied to, outright, in an effort to bilk money from my family while I was injured and unable to afford anything.
Consumer complaint received 2015-11-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I own a Macy 's American Express credit card. In XXXX of 2015 fraudulent charges totaling {$440.00} appeared on the card for lotion purchases at a non-Macys store. I immediately called the credit card company and filed the necessary fraud dispute paperwork. In short, they did not even open my fraud paperwork until XXXX 2015 and in the meantime were reporting my account as delinquent to the credit bureaus, thus damaging my credit score. I have called in every month to company and each time they state they just do n't have enough staff to process claims and there are system problems and my claim is not yet processed. I since paid the charges to prevent further damage to my credit score and am now trying to recover the money from Macy 's.
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I had XXXX done at the Hospital XXXX. I received a statement from them stating that I owed XXXX I called the Hospital and explained I would need a payment plan to pay the amount I owed. They sent out paperwork that I filled out and returned to them. After waiting and not hearing anything I called them back 2 times to try to find out about a payment plan. I was told both times not to worry, that they were overwhelmed and would get back to me. I received a phone call from the Revenue Group stating they were taking over my account. We agreed on an amount and I was told they would send out a statement in a couple of weeks. 
I received a phone call from the Revenue Group about a month later asking me why I have n't paid on my bill. I told them I was waiting for a statement from them. They informed me they sent out XXXX statements. I never received these statements or any kind of validation notice from them in the mail. I verified my address with them over the phone. In good faith I sent them a check equal to XXXX payments and reminded them that I still have not received any type of paperwork from them. The check was cashed about 2 weeks later. As of today we have not received a receipt, validation notice, or any kind of written statement from them. If they are sending them out, I am not receiving them. I do not wish to be called by them again insinuating I am not paying my debt. I am more than willing to pay what I owe, but I would like some type of receipt or statement proving that I am sending my money to the correct place.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (OH)

On my credit report there is over XXXX inquiries on my credit report under the category of historical data that experian refuse to remove from my credit report even after notifiying them of identity theft and have multiple fraud alters on my profile that i placed there myself to protect myself against fraud and this include the past XXXX addresses that i have lived at over the past XXXX years so should someone steal my identity agains like they did when i notified XXXX XXXX and they closed the card and the account before any charges was made to delete the address for the past 5 years to protect my identity and they said that they could not but i have had other fraud issues because of this and they said that they cant remove this which is bull because they are favoring in favoritism the service bureau members which is wrong under their policy for records retention policies for publishing information public ally that no one needs to know but it benefiting them to sell it to their members when i am doing my best to protect myself from fraud that malicious they only need the past 5 years not since where i was born. all someone needs to do is get my social and start all over again and they can start the fraud again and i want to prevent this.
Consumer complaint received 2021-03-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: KEYCORP (CA)

In calling in today to Key Bank regarding my student loans services by XXXX XXXX ( last four SSN : XXXX ) after being advised on multiple occasions by both the lender ( Key ) and the services, XXXX XXXX XXXX, that I had available time on my loans for COVID-19 forbearance, I was advised they are unwilling to assist me with anymore time. During this horrific time, during which I am unemployed due to COVID-19 as well as two Natural Disasters in XXXX XXXX ( wildfires from XXXX - XX/XX/2020, and an earthquake in XXXX, respectively ), is remain in dire need of forbearance for these loans, as previously promised by the servicer. My employment was shut down due both to COVID-19 and the described Natural Disasters. 

This matter remains time urgent, and Key has been very abrupt in their dealings with me and unrelenting in assisting me during this horrific time both financially and medically, as I continue to battle medical issues during this crisis. 

I require immediate assistance with this matter, to ensure my loans are placed back into a Disaster forbearance as previously advised me. Please urgently contact me to resolve this matter. Thank you kindly in advance, and I look forward to speaking very shortly.
Consumer complaint received 2020-07-20
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. (MS)

XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Experian is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 )  bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in XXXX  and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for XXXX XXXX to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Application processing delay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a mail offer to open a new credit card from Fifth Third Bank, XXXX, OH. I submitted an online application in XXXX. I received a letter dated XXXX/XXXX/2015 from the bank, asking for a copy of my Social Security Card. I sent a copy of my Social Security Card by First Class mail, within 30 days as required in the letter. 

As I received no response from the bank for several days, I called their customer service center and was told that they have received the required document from me and were processing the application. I was told that I would receive a response within a week. 

Again, there was no communication from the bank for almost a month. I called the customer service number again on XXXX/XXXX/2015, and was told that my application was rejected as the bank received the required document after 30 days from the date of request. However, previously, they had confirmed that the document was received and the application was being processed. 

I find it disturbing that Fifth Third bank did not inform me about their decision. I had submitted my personal financial details and a copy of my social security card. I would n't have known if they had issued a card and someone else had received it, and started using it. I had to call repeatedly to know the status.
Consumer complaint received 2020-07-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.