davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AR)

I have a two credit accounts with this company, I have had them for approximately 6 months. I got the accounts and one had a limit of {$1800.00} and the other {$500.00}. I made purchases on both and have been paying ON TIME/EARLY and even a little bit extra. I have gotten the balances down to less than {$900.00} and less than {$250.00}. I haven't been using any other credit other than these two cards with this company. I have an open card with another company which I have a {$0.00} balance because I used it and paid it off but I have a credit limit of about {$2000.00}. So between the three cards I utilized less than 30 % of my available balance as to keep my credit score high. I got a letter today stating they decreased the credit limit of the {$1800.00} to {$880.00} which has thrown my utilization to almost 100 % and decreased my credit score drastically. I called and they say they have the right to do this at will and that I would need to talk to XXXX because that is where they got the score and they can't increase my limit without a higher score. This is not an ethical practice nor should it be legal. The only way to get my score back would be to forced to pay off this card to bring my utilization ratio back. The only reason I made a purchase was because of special no interest financing. They are forcing me to pay off early or have a reduction in my score. That is not a fair business practice.
Consumer complaint received 2016-10-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AL)

Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? 
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. 
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. 
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (TN)

I receive benefits for XXXX on a monthly basis and I have benen a customer of XXXX  with my financial institute. As explained and documented, I am a victim of stalking and identity theft which has been reported and investigated by law enforcement ; although confirmed and communicated with my institution ; protection from my account being controlled, intetcepted, of accommadated by the bank has not been provided. My account has been locked, the inability to transfer funds has been placed on the account, measures to view or secure my account is being prevented, access to such needed funds that I use for my monthly neccessities have been prevented from being retrieved. The bank is refusing to acknowledge the circumstances and they refuse to remove restrictions while hendering my ability to make further transactions on the account.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: World Acceptance Corporation (TX)

i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job
Consumer complaint received 2017-05-24
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. (MA)

I have started back in  2013 to ta ke online courses with  XXXX  university and I was doing fine in the beginning but after a while it was not easy so I called and said I could not do the classes so I left and now they want me to pay  XXXX  in student loan. I do n't have a job because I was let go and now I am unemployed and I do n't have money to pay back. I tried to get student loan forgiveness they said I could if a I paid the  XXXX  for 2 months and the rest would be forgiven. I told I do n't have money to pay for 2 months. I only get a  XXXX  a week and  XXXX  in food stamps. Now my account for unemployment is on hold so I am not getting anything at the moment!! Can you help me find a solution to my problem. I feel I should not have to pay since I did'nt receive a credit for any course and it was not completed.
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

suspended my account and stated the account would be activated in a few days but hasnt. i called the bank and the customer services person disconnected XXXX times after having waited XXXX mins each time. I have funds in the account but cant access via website. HSBC Premier customer service is awful. They need people who give a XXXX about servicing clients.
Consumer complaint received 2022-08-09
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 have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

XXXX " forward dates '' XXXX charge offs. Thus the " drop off dates '' are almost a year past the seven year term mandated in the Fair Credit Reporting Act. 
The XXXX main credit reporting agencies reports sometime report the correct first delinquency 's but they incorrectly designate the " drop off dates ''. 
Additionally, XXXX deletes the contradictory information from ( my ) credit report ( s ) when a dispute occur ( ed ) - thus eliminating the evidence of their misreporting found in the credit report.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IL)

My application for the Citi XXXX XXXX was approved on the XX/XX/XXXX from an email I received. My card was sent via mail and I never received the card. I called Citi multiple times to try to fix this and got no where. They can not verify my account or access my account without sending in a letter in the mail. They sent a letter on XX/XX/XXXX out to my address again. However, they can not access my account and verify my address. One rep claimed my zip code was wrong, but a supervisor claimed they use an automatic data base to send out a letter. I just moved and explained this to them but they don't see to understand. I provided my security code, social security, and phone number. These do not work for verification. I received several tax messages from Citi asking to call to active my card. I received a call from a supervisor on XX/XX/XXXX ( I have the number saved ). However, Citi is unable to send me a text or call to verify my account. They system doesn't allow them to send a code. I tried my work number, partner 's number, cell, parents. None of these numbers work in their system. The only way to get access to my card so they can send me a new card is getting personal information in the mail. They keep sending this to the wrong address. I can not even cancel my card online when I ask. I'm unsure how to proceed in getting my card if they can not verify me over the phone. I find it hard to believe a company that size has to send you a letter in the mail. I've had several phone calls without any help. I told them I would file a claim and they told me to wait for a letter to cancel my card or file a complaint.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC (GA)

My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Persolve, LLC - Legal - Series 2 (AL)

Account Resolution is in violation of the debtor 's act. They're reporting fraudulent accounts on my credit reports with all three credit agencies. I have ask them to delete this collection item off of my report and they refuse to do so. The claim they have spoken with me and verified that this belong to me. I don't know anything about this. I do not have a bill with them or any other company. The amount they're saying is {$2900.00} that I owe them is fraudulent. On one report they're Account Resolution and on the other report they're Persolve , LLC. Companies like this should not be allowed to get away with this kind of scam behavior.
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When I reviewed my bank of America checkings account today I noticed that the bank has been charging me Monthly Maintenance Fees for XXXX months now. I now realize they have a rule where a fee will be charged If I do not have at least XXXX qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my checkings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with bank of america and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my mobile phone if you ever want to talk dont secretly keep charging me fees and take away my hard earned money.
Consumer complaint received 2020-05-04
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: AMERICAN EXPRESS COMPANY (CA)

I am the account owner and have had American Express for over 5 years now with no late payments whatsoever. I have had an authorized user, XXXX XXXX for over 3 years who also has used the card and made on time payments. 

Starting XX/XX/2020, my authorized user XXXX started noticing their card declining for simple purchases at XXXX XXXX or big ones from XXXX. 

I contacted customer service early XXXX, I was told XXXX ' authorized account might be under review, I contacted the number XXXX and customer care said there's no such thing on our account and everything looks great! 

However his card is still declining and there's conflict of info as some say our " balance '' is too high ( currently only {$2500.00} when we spend over {$6000.00} a month!! ), some say its an account review issue.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX i would like a new credit report as soon as possible.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IN)

I am repaying XXXX debt to a law firm. I have made two monthly payments on each. Now another law firm at the sAME ADDRESS WITH THE SAME SIGNATURE AT THE BOTTOM OF THE PAGE IS TRYING TO GET ME TO PAY THESE SAME DEbts with them. Is this leagal?
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.
Consumer complaint received 2016-01-26
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (MI)

I was making a small purchase with my PayPal account, when the product I bought was defective, so I logged into my PayPal account to submit a complaint to the company I purchased it. From there I noticed my PayPal Credit ( which I never wanted ) had a large balance, {$1400.00}, as I looked into it, someone was able to rack up that amount in gift cards back in XXXX ... I never any type of notification or phone call from PayPal about these transactions that all happened on the same day.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Venture One Card. 
{$100.00} Interest charge billed on XX/XX/2021.

I paid off my credit card balance on XX/XX/2021 after calling and getting the payoff. I actually overpaid to make sure I wasn't going to get billed any extra interest. The overpayment amount ended up being {$270.00}, which was refunded to me on XX/XX/XXXX. 4 days later on XX/XX/XXXX the interest charge then appeared on my statement. 
I called Capital One today and asked to have the charge removed, which they refused to do. 
I am upset and feel powerless, thus the reason I am contacting you.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am trying to start the process to " recast '' my mortgage. I have been on the " Making Homes Affordable '' program for the last 5 years*. The BofA sent me a notice that a " recast '' was available if we wanted to keep our mortgage payment at a lower level, who would n't? 
I missed the deadline for getting the notarized paper work back to them. 
I called the help phone number, XXXX, ( on XX/XX/2016 ) to see if I could send the request in late. I was asked to hold while the agent checked to see if they would send me new forms. 
I was told to check back on a daily basis to see if my request had been granted. I called back ( XXXX/XXXX/2016 ) and was told to hold, the agent checked and told me to call back as no decision had been made. 
I had been through this dodge before with XXXX XXXX. I was going to call back this morning to check again. Then I thought the best thing to do was contact CFPB. 
*You helped me before when BofA reported me 90 days overdue. With that incident I requested a posting printout from them and found XXXX major problems 1. they were posting my payments to " Unapplied Cash ''. 2. They showed XXXX or XXXX transactions to my account but the " dump '' showed XXXX. 
I have other problems with them but I will not bother you with them now. 

Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (IL)

I am a co-signer for a loan. The student is not able to pay any amount towards this loan. I wanted to consider paying off a negotiated amount. I talked to a manager and was told they would consider 90 % payback. I asked the woman if I could talk to her manager. She told me he does not talk to anyone. So there is no one who will help me with this problem. The original amounts total {$4300.00}. It is now {$6400.00} because of interest. Interest rate are 9.625 % and 10.25 %. The lending instituted was not clear that this was a private company, leading borrows to believe it was a government agency. I feel this is dishonest and misleading.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (SC)

Cross Country Mortgage has changed its servicer and its website doesn't work. They continue to charge me for an insufficient fund fee because the only way to turn off auto pay is through the website which doesn't work. I have made my payments ahead of the due date and informed them via phone multiple times that the account is no longer active and I would like to cancel auto pay.
Consumer complaint received 2022-02-15
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. (GA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open DEPTEDXXXX XXXX Balance : {$10000.00} DEPTEDXXXX XXXX Balance : {$10000.00} DEPTEDXXXX XXXX Balance : {$4800.00} DEPTEDXXXX XXXX Balance : {$3100.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX  XXXX Balance : {$790.00} DEPTEDXXXX XXXX Balance : {$11000.00} DEPTEDXXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$20000.00} DEPTEDXXXX  XXXX Balance : {$6300.00} DEPTEDXXXX XXXX Balance : {$7900.00} Late/Closed XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} ChargeOff XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$120.00}
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

On XX/XX/2021 I received an email from Crypto.com stating that my " account has been terminated due to breach of our Terms and Conditions. '' I have not been able to recover approximately over {$20000.00} I had invested there and customer service has not responded to my repeated inquiries.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AR)

National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.