davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (FL)

During the summer, I deposited {$750.00} in this American Express Serve account from XXXX XXXX checking account. In XX/XX/XXXX of this year. I got an email stating my account was being permanently suspended. I could then no longer look at my account on line. So Not sure of balance I called them and was told the account was suspended due to " funding source. '' He would Not explain any further. I then cut my card and wrote to their main office in XXXX XXXX asking for explanation. Received nothing. I believe I had a few hundred dollars on the account. But had n't looked for a time. I called again today and got that it was a fraudulent deposit from XXXX XXXX. After thinking about it, I had automatic deposits of {$75.00} for several years. And, coincidentally, I had to open a new account with XXXX during this time. So, the only thing I can think of is one of those autimatic deposits must have been made from the closed account. What a Poor way to handle a good customer ... ..IF that is what happened, I made a mistake ... .NOT FRAUDULENT EVENT. They did n't even check with me like most businesses. That was Just wrong!!! And, I do n't know If that is What happened!!! And, They said I have No money. How do I know that They difnt keep it for FEES. 
They Just cut me off and added on the phone today " You may never apply for an American Express card '' who would want to!!!
Consumer complaint received 2017-12-02
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. (NC)

I opened my account in XX/XX/XXXXwith an interest rate of 9.24 %. For the past year the interest rate on my account had been modified to 11.24 %. On XX/XX/XXXX I received a notice that my APR will be increased to 15.24 %. 
On XX/XX/XXXX I called Chase customer service, the representative stated due to market, they have decided to increase my rate to reflect the market. 
Please note for the 10 plus years that I am a card member, all payments were made on time.
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KS)

I have been contacting and working with Navient [ again ] for the past 13 months, [ last XX/XX/2018 i contacted and tried to get my Loan modified, and they turned around and AGAIN changed the terms and payment and have me pay ever MORE, by charging me for a " Forbearance '' and charging me over {$63.00} PER MONTH, just to use the Forbearance, while adding to my overall penalties from the last time they extorted me from over 20 years ago, and my loan then was {$10000.00}, now it is closer to {$16000.00}! 


I have talked to NUMEROUS people and agents, and they always have steered me to wrong options and financial choices, on trying to repay the student loan, as i wanted a INCOME BASED PAYMENT, and Navient [ after numerous requests! ] does not send me the payment history [ i have paid this for over 10-13 years BEFORE I LOST INCOME! ] and the payments keep going up since MY payments only include the interest NOT the principle of the loan! 


I have been VERY PATIENT, and have most documents and old papers they have sent to me for the past 27 years and more! My school closed down, [ XXXX XXXX XXXX XXXX ] after the months i graduated. I have not found much work as the school was a fraud! 

CAN you help me with dealing with them, as i suffer now from XXXX and maybe have to drop out the work force! 

If you can help i think i can provide much more. Thank You!
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2017-12-01
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. (OH)

I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against equifax, XXXX and XXXX for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Consumer complaint received 2017-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (AZ)

XXXX XXXX advertises as a highly rated auto loan lender. They do n't clearly indicate prior to asking any personal information that they are intermediaries and are selling your information to several lenders. At the end when prompted to enter the last 4 digits of ss #, they do n't give you a warning that proceeding will cause several companies to pull your credit. Instead of a 'submit ' button clearly identified as last step before your information is released to them, their button says 'View Free Rates ', once you click on that, the screen disappears and no rates are given or provided. 
Then i called their phone number and that is when I was explained that i had authorized several companies to pull my credit. 
This is deceifull and not at all what i wanted, and could cause my score to go down due to the inquiries. 
Very upsetting
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (TX)

CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : I have asked them on several occasions to please stop calling threatening and harassing me about the XXXX alleged accounts. They keep telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Consumer complaint received 2020-04-26
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)

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/XXXX, my wife tried to make a purchase on XXXX, but it got declined. My wife called me and said whats going on. I contacted Chase and I was transferred to multiple departments. Then I was told my account is being under review and therefore the card was declined on purchases. This was unnoticed and unforeseen. This kind of business practice is unacceptable. I have perfect credit history and no debts. I dont see the reason here as to why my account is closed. I called today XXXX/XXXX/XXXX and the lady told me my account is closed due to the short history with Chase Bank. With my credit experience in the past, I have never dealt with a bank like a Chase before. This is not how you treat prospective customers.
Consumer complaint received 2017-12-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (MT)

Am trying to get a home mortgage. Through XXXX XXXX XXXX. I started around the first Of XXXX. They had XXXX XXXX do Appraiser on my house. On XXXX/XXXX/XXXX. He toke a 5 bedroom, two bathroom house. turn it into a 3 bedroom 1 bathroom house. I have full basement. Down there is 2 bedrooms and a bathroom. He said that the bedrooms are as follow. One is study and the other one is a den. Both of them have a bed in them. I tried to tell I called the XXXX XXXX XXXX XXXX. About the mistake and they wont lesion to me. The house when I bout was XXXX. And I went through XXXX XXXX XXXX. When I remortgage the house through XXXX XXXX XXXX. And Low VA Ratees. It was XXXX. Now with New Day Financial with 3 bedrooms and 1 bathroom. They are telling me that my house is now XXXX. That is lower then when I got the house and with the remortgage. This is a 5 bedroom and 2 bathroom. Am tried of trying to get them to change it to the 5 bedrooms and 2 bathrooms. They just wont lesion to me. NO one should go through New day.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

In accordance with the fair credit Reporting act this company 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

My loan was transferred from XXXX XXXX to Gregory Funding. I was on a forbearance program last year. 
This year, I started to pay my monthly payment every month on time ; however, I was told that they were processing all payments manually. This process is causing a late fee every month due to the volume of customers they have in their books. 
This XXXX, I've received a Forbearance Agreement Trial for three months. Payments are high. After the three months, I have only one option, Loan Modification.

I do not want to extend my Loan or keep the high monthly payments. 
I thought the government stated that customers would be able to put the amount owed at the back of the Loan.

I have been in communication/conversation with Gregory Funding almost every month, dates documented. 
Please help. Assistance will be appreciated. 

Thank you!
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

Hello, My complaint is regarding Discover credit. I have been a Discover customer since XX/XX/XXXX and my account has always been in good standing. The past year dealing with the COVID-19 pandemic has proved to be difficult for my family. One of main things we have relied on during this time of uncertainty and unexpectedness was my Discover line of credit. My credit limit, continues to be lowered without my notification after 'reviews ' are done my account which I could have opted out of. I was not made aware that I could opt of these auto-reviews until today. I recently made a significant payment on my Discover account on XX/XX/XXXX of {$7000.00} and plan to do again in a couple of months. In the meantime, since then, my credit line was decreased to below $ 10k and then increased a couple hundred dollar in XX/XX/XXXX to {$10000.00}. 

In the past my credit line was {$13000.00}. This lowering of my credit line has brought my credit score down as which is very frustrating and makes it impossible to have this reversed in my time of need during COVID. All I am asking of Discover is to give me the respect of re-establishing my credit line to $ XXXX $ XXXX which is completely fair given my payment history. at the VERY least, I am asking that my credit line be returned to $ XXXX which is what it was a couple of months ago. It is disheartening that this company if making it so difficult to make this change for me. I was on the phone today, Monday XX/XX/XXXX, during my work day for an hour and was transferred between three different departments. The last department I was transferred to a gentleman named 'XXXX ' who is an account review analyst, not even a manager, and he was the least helpful of all. I have no other resource than to report my experience here. I vow to end my credit relationship with Discover as soon as we are able to do so and fully recover from this pandemic. All I have asked is during this time of COVID that Discover not lower my credit line especially after I went through this with them this past XXXX at the beginning of the pandemic. Thank you very much for your time and consideration with this matter. 

Sincerely a frustrated customer, XXXX
Consumer complaint received 2021-02-08
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 (OH)

Capital One openly admitted on a call this morning, that the paperless statement reminder that I am supposed to receive has failed to generate, therefore I have not received any statement or statement reminder from Capital One. I requested they remove the late charges of XXXX for every month that I paid late from this error on their behalf. They said they can only remove one XXXX late fee, even though they've charged me at least 4 times since XX/XX/2020. 

My email address they had on file is correct, because like clockwork every month after the due date ( which I don't even know what day it is ), I get noticed that I missed a payment
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Debt Collector is a third party asset buyer. They are not the real party in interest to this debt. I did not receive and benefit from this debt collector involving this debt. I do not a contract with this debt collector to collect this debt. I do not have a duty to pay this debt collector for this debt.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-02-08
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: LOGICOLL, LLC (GA)

On XX/XX/2021 I received a collections letter from Logicoll , LLC about an unpaid debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Logicoll , LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

On XX/XX/XXXX I was informed by email that my XXXX XXXX Loan as serviced by MOHELA would be transitioning to their new website on XX/XX/XXXX. As a result, I would not be able to pay, view my balance, or conduct any business with my loan online until it had " transitioned '' to the new website. During this period my loan was to still accrue interest and a definitive date of " transition '' was not listed. MOHELA said that I would likely regain access " approximately XXXX weeks after XX/XX/XXXX ''. My loans fully " transitioned '' on XX/XX/XXXX and showed no breakdown of interest and principal. Interest had clearly occurred but there was nothing showing exactly how much interest. 

Upon trying to pay on this new website, there was still nothing showing the amount of interest vs. principal, just one sum. On XX/XX/XXXX, I called to ask about this and was on the phone for two hours. The woman I spoke with did not resolve the situation and then hung up. She stated she would backdate the interest to before the transition period -- this did not happen. 

For two more days I waited to see if my loan details and breakdown would be fixed -- or if interest would be backdated. This did not occur. On XX/XX/XXXX I made a payment of {$10000.00} from a balance of ~ {$20000.00}. I received email confirmation and a confirmation number for this payment. Additionally, the MOHELA portal even displayed this payment as pending after being submitted. A picture of this is attached. Now, there is no record on the portal of such payment. 

Today, XX/XX/XXXX, I went to check my loans. The online portal has no record of a payment and my balance is now {$20000.00}. My payment was clearly not recognized and interest is still continuing to accrue rapidly. The funds for this payment left my bank account on XX/XX/XXXX. My payment received confirmation and the money has been transferred to MOHELA, but it is not reflected and interest is continuing to accrue as though a payment was never made. 

Despite multiple attempts to contact MOHELA I have received no help whatsoever. This certainly must be illegal and I am clearly losing money in an unfair fashion and spending countless hours attempting to rectify this manner. MOHELA is simply a reckless and unaccountable steward of FEDERAL LOANS.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

I contact the credit bureau ( XXXX ) about these inquiries on my credit report being unauthorized and unverified. I was told they are required by law to not remove that information. Here are the list of inquiries I informed them about. 

Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds. 

In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed. 

My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy. 

In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent. 
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place. 

In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX. 

My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes. 

In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX. 

My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.