davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (AR)

As noted in my Banking App. A XXXX was processed for my credit card account and was payment in full for the account. I called Customer service and was told that I called in to process a XXXX payment for my account. I have never paid this amount wirh XXXX and I always pay my credit card bill on the XXXX  of the month by processing the payment on the credit card website. My checking account information is stored there. Because this XXXX was wrongfully processed it cause an overdraft return item fee of {$35.00}. I tried logging into my account and Customer service told me that my account was temporarily suspended until I verify my identity. My account was originated with Genesis Financial services and called Destiny Card. XXXX has taken over the Destiny Card. As noted my payment made at the beginning of the month was made to Genesis Financial services for the amount of {$100.00} and no payment was due until XX/XX/2023. XXXX XXXX has since processed the XXXX for the same amount of {$680.00} again on XX/XX/2023. I told Customer service that I didn't authorize this payment and I want My banking information removed from my account. I have faxed a copy of my Driver 's license to the number I was instructed and I still can't login to my account to verify my banking information has been removed. Since the orientation of this credit card account I have always manually processed my payments for {$100.00} per month. Customer service told me to contact my bank to stop the process of the XXXX and I have asked for the check number used to process the unauthorized payment and was not given one. I suspect that there was a data breach and that is the reason why they want to verify my identity.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (FL)

I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.
Consumer complaint received 2019-05-23
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Reference # XXXX - The compliant centers around two 0 % promotional APR offers with a Bank of America Credit Card. The first offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX, while the second offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX. The balance for each offer at XX/XX/XXXX were {$7800.00} and {$5100.00}, respectively. As offer XXXX was due to expire on XX/XX/XXXX, a payment of {$7800.00} was made to the account on XX/XX/XXXX. However, the payment was applied first to offer XXXX satisfying the {$5100.00} balance with the remaining balance of {$2600.00} applied to offer XXXX. Following numerous conversations with Bank of America representatives from XX/XX/XXXX to XX/XX/XXXX ( multiple calls per day ), the compliant was researched and it was determined that the payment was first applied to the offer with the earliest start date in accordance with bank guidelines and policy. 

The representative explained that the payment being applied to the offer with the earliest start date was disclosed in the Credit Card Statement ; however, the only item disclaimer in the statement references " HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balance first ( including transaction made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. '' Since both APRs were 0 % at the time the payment was processed on XX/XX/XXXX, it would appear the consumer could direct the payment to be processed in a way that is most favorable to the consumer. However, if the interest only promotional offer had expired, meaning the payment posted after XX/XX/XXXX, it would appear the allocation of the payment would have been correct.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MO)

I used the Chase Mobile App to pay my balance off on my credit card. I normally get an immediate confirmation that it is being processed, but this time I didn't. I chose Pay Bill and scrolled down to See All Activity. It immediately, without my authorization, began processing a second payment for the exact amount as the previous payment made which was listed as processed and completed. I had two different confirmation numbers and two payments taken. I had a negative balance on the card the next day. I assumed it was a glitch and didn't worry about it, because I had pending purchases anyway. 

Well, it happened again today. I tried to pay the balance, no confirmation, I checked it later and it processed a second duplicate payment without my authorization. I called customer service and they said to call back when the second payment was completed and they would issue a refund. It could take a few weeks to be put back in my checking account. Meanwhile, my money is gone from my checking account. Money I did not authorize or owe. 
Please check into this if possible. Below are the payment summaries and confirmation numbers. Thank you so much! 
XXXX XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$420.00} Description Other Confirmation number XXXX Status In process Payment scheduled date XX/XX/2018 Amount {$420.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (ME)

I received letter from a collection company, Convergent, saying that I owed {$5800.00} to XXXX   XXXX. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning me.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have a business credit card from XXXX XXXX. I also have a checking account with XXXX XXXX. Both are linked together and under one name. My credit card I obtained with promotion of 0 % until XX/XX/XXXX. In XX/XX/XXXX I moved. I went to the local XXXX XXXX in XXXX, CA ( same branch i opened checking account ) and changed my address to my new address. As XX/XX/XXXX rolled around and I didnt receive my credit card statement like i typically do, i called XXXX credit card and asked where my statement was. Apparently, they never changed the address. I changed it again by phone and paid my monthly bill. I was charged a late fee which was later removed. 

In XX/XX/XXXX, my XXXX XXXX account checking account was fraudulently attacked and all my money was stolen from my account. All my checks bounced. I reported the fraud and XXXX XXXX did investigation and reimbursed the money in my account. One of the checks that bounced was for my XXXX credit card. I called them immediately and told them what happened. I also made the payment once my money was returned to my account. I had no money to pay any of my bills. 

My statement for XXXX credit card came for XX/XX/XXXX with 30 % interest! I called them and they said that due to my 2 late payments they removed me from the promotion. I explained to them what happened and that the late payments were not my fault and technically shouldnt be considered late payments but they said there is nothing they can do! 

I feel like these credit cards take advantage of people, especially seniors like myself. They dont understand that not everyone is online savvy. Im old school. I went to my local bank to change address, I thought that was enough. I also was a victim of theft and fraud and they are punishing me with 30 % interest! I cant afford to make payments like that. I was planning to payoff the amount with 0 % until XX/XX/XXXX and not have any interest rate.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I reported an international wire fraud scam to the bank relating to a vacation property that we were trying to rent. The person had us wire {$5800.00} to their account and we were later noticed that they did not own the property. I contact Chase to stop the wire at which time the bank told me they request the funds back from the other bank. There was no correspondence from Chase at all regarding this case. It took me calling them repeatedly to track down the right department to give me information regarding the case. When I finally spoke with the right person after contact them for 2 weeks I was told there was nothing they could do because it was my word against theirs. Their lack of timely processing of the wire cancel and unhelpful nature has left me with no options to get my funds back. I find this ridiculous that when fraud is reported they have no obligation to assist their customers in getting their funds back. I am truly disappointed with the level of service and lack of commitment in resolving this issue.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ADP Inc. (NY)

ADP Payroll Company refuses to issue our former employees their W2s for XXXX XXXX XXXX XXXX ( tax id XXXX ) even though we filed for XXXX XXXX XXXX in case no XXXX XXXX in XX/XX/2023 and they are prohibited from terminating our services per 111 USC section 362 due to the automatic stay otherwise they are subject to contempt, fines, fees, and sanctions. Please investigate and advise.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Barclay 's Uber Visa Credit Card Benefit in dispute : Cellular phone protection claim denied On XX/XX/2020, my XXXX XXXX cellular phone and backpack was stolen from me at the XXXX XXXX XXXX parking lot. Attached is a police report from XXXX County. A benefit with Barclay 's Uber Visa credit card is cellular phone protection in the event of theft, worth up to {$600.00} with a {$50.00} deductible. My claim was denied because Barclays said that because I put my backpack down, I " voluntarily parting '' with my device. I dispute this reason. Someone ran by and stole my backpack and XXXX XXXX. This should be easily covered by the benefits claim. I uploaded to Barclays all necessary documents : theft police report, Barclays credit card statement with the cellular phone bill on it, XXXX XXXX phone bill with matching charged amount.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

National credit systems inc. is constantly harassing me for a fraudulent collection from an apartment complex called XXXX XXXX. Theyre claiming I owe XXXX and threatened to get a fraudulent judgement against me to try and garnish my bank account which contains my XXXX social security Benefits and child support. Both of these types of income are exempt. I dont owe this money and have provided proof from station heights resident account dated XX/XX/XXXX showing a zero balance. I closed on a home on XX/XX/XXXX and my lease expired on XX/XX/XXXX. I moved out XX/XX/XXXX and station heights cashed a check from me dated XX/XX/XXXX for {$560.00} for final move out rent payment with utilities included all noted on the check they cashed. please keep in mind ( THEY DONT ACCEPT ANY PARTIAL RENT PAYMENTS ) I owe absolutely nothing as if I owed I would not have been able to purchase a home if I was someone who didnt pay my rent. I lived at this apartment complex for 6 years and they have changed mgmt. many times. They would often charge erroneous fees to receive extra money from tenants. Not once was I ever late in paying rent I have an impeccable rental history. XXXX XXXX is retaliating against me because I complained about their maintenance issues to corporate and because I refused their lease renewal and bought a home instead. I have documents proving when I closed on the home XX/XX/XXXX, copy of the cashed check for {$560.00} dated XX/XX/XXXX, bank statement showing they cashed it, lease showing it expired XX/XX/XXXX, moving company receipt dated XX/XX/XXXX and resident log in dated XX/XX/XXXX showing a zero balance with my name and apartment number. They constantly call and send threatening letters to try an intimidate me which is not a tactic thats working. I know my rights are being violated and this is a fraudulent collection. I sent them a cease and desist letter via email on XX/XX/XXXX and have filed disputes with all 3 credit bureaus. I will not be bullied and or forced to pay a fraudulent debt. If I moved out on XX/XX/XXXX why would it say on XX/XX/XXXX on the resident portal after my leased expired on XX/XX/XXXX I owe XXXX dollars? This proves theyre just trying to manipulate me into paying a false debt. Tenants are constantly moving out and the management company is desperate to make money for the apartments theyre not able to rent. National credit systems/station heights need to be fined and penalized for their fraudulent collection tactics and fraudulent debt practices. I ask that this is investigated and proper reprimands are executed against them. They need to delete this off of my credit report and stop contacting me before I take expeditious legal actions against them. Thank you as I look forward to an amicable resolve.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I was receiving satellite internet services from XXXX up until XX/XX/2020. At that point I cancelled service by calling the company. XXXX continued to try to debit my bank account each month for services provided after that, requiring me to dispute each charge with my bank. Earlier this year I called XXXX again about the erroneous charges. They apologized, and said they hadn't received notice of my cancellation via their internal channels ( even though I had returned their equipment ). Yesterday I received a letter from Southwest Credit Systems, saying my XXXX account ( # XXXX ) had been turned over to collection for {$1500.00} owed. The Southwest reference number is XXXX. I dispute the XXXX charges for services never received, and for attempting to raid my bank account with automatic payment debits every month.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AL)

I have been speaking with XXXX XXXX, Loan Originator NMLS ID # XXXX, with AmeriSave Mortgage Corporation NMLS ID # XXXX. 

On Tuesday, XX/XX/2020, XXXX offered me a refinance loan at a rate of 3.375 % to which I agreed. He coerced me into paying a {$500.00} application fee before we could move forward with the process. I reluctantly agreed and upon receipt of the disclosures and information, I realized my interest rate was floating, not locked. I asked him to lock my rate, but he refused, stating it was in my best interest to leave it floating, as the rates could go down. I told him that the rates could also go up so I wanted the rate locked. He again refused. 

After consulting with a couple of other banks, I was told that the rate he quoted me was not possible without paying 1 or 2 points, which he told me I did not have to pay. 

I have not had an appraisal or any other item for which this bank has had to pay, other than a credit check. This fee was to simply keep me from shopping around, after I was given an empty promise. 

I lost a night of sleep worrying about going through this process, just to end up with a rate that is not better than the current rate on my home plus adding {$2000.00} - {$3000.00} in costs to my loan. XXXX promised me a rate, forced me to pay an application fee to proceed and then could not lock the rate.
Consumer complaint received 2021-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (NY)

I was approved for an installment loan to obtain new furniture in XX/XX/2020. Due to my job loss because of being personally affected by having XXXX in XX/XX/2020 and then my job shutting down in XX/XX/2020, I was given the option to be put on a deferred payment plan. This required a notice from my job of being out of work due to XXXX. The problem started in XXXX, and then continued onward for the next several months. Each month, the finance company requested a new letter proving job loss due to XXXX. I had explained that since my job had been shut down, this was not possible for me to obtain. The company stated that they understood my position, but this was a rule that needed to be followed, and if I couldnt get a letter on a monthly basis from my closed job, that was my problem. I now have 5 late payments reflecting and since I paid this account off in settlement it is negatively impacting my credit. I was given a stipulation that I can settle the account for less provided I do not do business with the company in the future. I agreed and paid the settlement amount. Due to this all being started because of my financial hardship because of a declared natural disaster, and my agreement not to do business with Acima Credit in the future, I need for either the late payments to be removed and the account to reflect a paid in full status OR for the account to be removed from my credit reports entirely. I have XXXX intention of ever doing business with a company that is clearly not understanding and that lacks empathy for its customers. I did not voluntarily lose my job 8 weeks after I was approved for financing and it is unrealistic to obtain paperwork on a monthly basis when the business was shut down. I am making this complaint public, so that whoever may come across this complaint can choose whether or not to do business with them!
Consumer complaint received 2018-06-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (MI)

I don't have the letter in front of me so I don't have exacts dates but I know the time frame. 

At the beginning of the year- roughly XXXX I called to get a statement showing what were charging in interest and fees. The girl on the phone had told me it was 24.5 % but didn't actually show that anywhere. So I asked for a statement in writing showing me that's what I was being charged and when it was charged and how. She put me on hold and then got back on saying something would be sent. I did receive it. However, all they sent was a print out showing what my student loans were and what their total was. Nothing that showed what exactly they were charging. Then I received a letter stating they were reviewing my account and would contact me after it's been reviewed. I was never contacted. 

A few weeks later I received a letter from the department of education about garnishing my wages and it said I could object to it and so I filled out the form and typed out a letter stating I wasn't objecting to paying it but I was not going to pay fees in when they can't show me what they are charging, when it was or if accruing interest or fees. I also filed a complaint online on the myeddebt.com website and also made a payment through the website and not through GC Services.

Now, a few weeks after that I received another letter from GC Services in regards to my concerns to my account. This time they included a copy of student loan agreement. But again have yet to provide me with anything showing me the actual interest rate or any fees that are charging or when they have been applied. I've never disputed owing fees. All I asked for what a document saying what the fees are or the interest and when or how it's applied. Which I thought was a reasonable request, but it seems they are incapable of that and now I question why they won't put this information in writing.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. XXXX, XXXX, and Transunion all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from XXXX, Transunion, or XXXX during the entire investigation process.
Consumer complaint received 2022-09-11
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. (GA)

These Items have been inquired without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX