davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED COMMUNITY BANK (GA)

Back in XX/XX/2010, I accepted a job for a XXXX XXXX. I received 3 checks for a total of {$2800.00}, an I went to my bank to cash them.. I was concerned about the legitimacy of the checks an asked my bank to double an triple check them to see if they were real an good.. the bank told me three times yes, that the checks were good.. I cashed the checks an completed the things that were required of me to keep a portion of each check, one to two days later a police officer an two cars loaded with 5 people from the bank came to my home demanding that I return the money from the checks. I informed them they told me the checks were good an that I did not have the money due to I sent most of the money off. A week later the bank asked me to come in to make arrangement 's to pay it back. I started paying the money back XX/XX/2010, now its 7 an 1/2 years later, an the amount has grown from {$280000.00} to over {$7000.00} even tho Ive been paying on it for 7 years.. Ive never received any loan documents to explain the loan. My understanding was I just had to repay the amount of the checks seeing how both my self n the bank was scammed, because the bank checked three times n said the checks were real an valid.. My husband recently done some checking an this loan seems to automatically renew itself.. when I talked to the bank, they said yes it does automatically renew itself every year.. At the rate this is going Im going my balance seems to go up not down every year ... I need help getting this resolve so I can get this paid off.. My husband says this seems to be like the payday loans where people cant pay them off.. Recently I asked the a few people at the bank for a copy of the original amount of the scam or the amount of money the gave me for the three checks.. It was explained to me that they do not have the paperwork because its by law they can throw it away after seven years.. A few months ago I sent a registered letter asking for all information pertaining to the amount of money the bank gave from the three checks.. I received a call from the main bank inquiring about the loan.. I explained to the lady an she did some checking an told me she dont understand or explain about the loan. She said she would investigate an get back to me.. Please I need help with this matter..
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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  XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I saw an offer for a Southwest Airlines Chase XXXX when booking a flight, and applied for the promotional offer. I received an email on XX/XX/XXXX stating I would hear back within 30 days. I checked my credit report and I see there is a " hard inquiry '' from " Jpmcb Card '' on XX/XX/XXXX. This indicates my credit was checked, and therefore negatively impacts my credit score. 

As of XX/XX/2022, 44 days later, I still have received no additional emails, mail or phone calls regarding the application. I called to inquiry. After being transferred to 5 people, I was told I " should have received a letter '', but no one can tell me anything other than, " my application was archived '' and the card was not issued. I asked for a reference number and was hung up on. 

Per the ECOA under 1002.9 Notifications, I have the right to be notified within 30 days if I was denied or if my application was incomplete. I believe " Jpmcb Card '' / Chase is in violation of my rights under the ECOA by not providing any notifications within 30 days and then being unable to provide me any additional information after the 30 days.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I wanted to switch banks from Capital One to XXXX, so I submitted a wire transfer request to Capital One on XX/XX/XXXX. The following day, on Monday XX/XX/XXXX, Capital One sent me an email saying they froze my account, worth almost {$400000.00}, providing a phone number for me to call. I called them and provided extensive verification information ( such as my social security number, passport details, travel history, account details, family member information, and current location ). On the call, they then told me they've decided to " end the business relationship '' and freeze my funds to do an " investigation '' that takes " 1 to 3 '' months. I asked why and they said that they can't tell me because it may " jeopardize '' their investigation and I was told that I can not appeal. I received no follow-up email. 

I can no longer pay my taxes, which are due in less than a week. I can not buy groceries or pay rent. I'm a simple marketing freelancer, and my banking history is simple payments from clients, and everyday transactions like taxis and restaurants. I travel to many places as a tourist, going to countries like XXXX, XXXX, XXXX, and XXXX. In the call with Capital One, they asked about my travel history, and they seemed to not know that XXXX is a country, as they asked me if I meant " XXXX. '' In any case, a private business froze my funds and I have no recourse. I am happy to verify any account information, transactions, travel details, or anything else. I told this to Capital One, and instead of asking me to provide more information, they froze everything I have.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX ( FINANCE ) XXXXXX/XX/year>
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Federal Credit Control, Inc. (OH)

XXXX asked FFCC XXXX contacted with me for debit collection, XXXX is all conversation with XXXX : I have downloaded all Claim history from XXXX website XXXX stated very clearly what is my responsibility for payment XX/XX/XXXX XXXX my portion is {$3.00}, XX/XX/XXXX my portion is {$380.00} XX/XX/XXXX my portion is {$5.00} Actually I paid whatever they asked me pay on XX/XX/XXXX for {$420.00} by my Master card Please notice On XX/XX/XXXX claim Met life willing not to pay it since no support documentation they requested then Proder push me pay all then I contacted with XXXX millions times alsoseveral times provider, I and XXXX XXXX XXXX person talked together I begged XXXX to pay whatever they think they can pay, after XXXX year Met life paid {$640.00} on XXXXplease notice two things it is my effort to let provider get the money They insisted on not pay since no support documentation provider sent to them, Secondly, As you can see XXXX did not mention my responsibility since no support documentation and also failing XXXX. 
Remember also I have two insurance companies. Not only XXXX got money from XXXX but also they charged my second insurance XXXX as well. 
So I think XXXX should not charge me that kind money at all Total I sent XXXX emails to XXXX she was very very rude I never met such rude person in my life she just repeated same words not listen my voice at all Today XXXX sent a threaten email tome as following sentence : The creditor, XXXX XXXX XXXX XXXX, has signed an Authority to Litigate against your property. Please be advised, if you would like to resolve this issue before it is forwarded to our house Attorney, I can assist you. If this does go to the Attorney you may incur court costs, fees and interest. 
Thus XXXX enforced me to pay {$1000.00}
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Background : I have a Citi Bank XXXX XXXX XXXX. Last year my card number changed and a new card was mailed to the incorrect address. When I looked up my account on mobile app, it showed my account as closed. This was fine because I wanted to close the account anyway. With covid, I wasnt traveling and didnt need the points. Earlier this year, I started getting notices of a past due amount, which I thought was an error b/c I no longer had a citi account. After getting a second late notice and investigating further, I realized my account had never been cancelled and the account balance was membership fee charged at start of the year. I called in to citi in XXXX to figure out what happened ( thats when I learned about the incorrect address/new card/etc ). I wanted to cancel my card then and get a credit for the fee because I didnt even know I had a card and hadnt used it in over a year. They convinced me to keep the card, they would give me a credit for {$99.00} fee once I charged the {$99.00} in purchases. This was on XX/XX/XXXX. I waited for new card to be mailed to me, that took a bit, then tried to use the card a couple times. At first, didnt realize it wasnt applied b/c I used it on XXXX, and when it declined, XXXX automatically switched to my XXXX  card. Tried in a grocery store. Kept getting denied. I called citi bank in early XXXX to figure out what was going on. This is when the the situation that is leading to this complaint began. 

Complaint : I found out through collections that I could not use my card b/c of how past due it was, so I never could have received my credit. Collections sent me to customer care to resolve. My call was disconnected. Called back, I was disconnected from customer care again. Called for third time, got through collections again ( no issues ), and once I got on with customer care, they complained they couldnt hear me bc I was a cell phone. Never mind that I was just on with collections and had no problems, and that I work from home on the phone for 12 hours a day with no problems. They hung up on me. This was on XX/XX/XXXX. The collections agent had put all the notes on what happened at the top of my account. 

I called again on Saturday XX/XX/XXXX. Finally got through to customer care who said the credit had been requested on my account, and was being processed, to give it 3-5 business days. I checked my account the past week. No changes. 

I called again today and was disconnected twice from customer care, again, no issues with collections. 

My account is now 90 days past due, I have near perfect credit. I want my account closed, my money back, and credit report fixed for the past 2 months. Ill give them the first month bc I didnt make my payment and had not yet contacted them until I got my late notice. 

My biggest issue here is the customer care line. I literally can not speak to a person to get this resolved, citi has no branches in my area. What am I supposed to do to fix this?
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (NY)

I have held account number XXXX with Chrysler Capital since XX/XX/XXXX on account of the lease of a XXXX RAM XXXX bearing VIN XXXX. 

On XX/XX/XXXX, I tried to obtain the " Dealer Payoff '' from Chrysler Capital since I was in the process of selling the aforementioned vehicle. However, after repeated contacts with members of their team, I was denied the request and no logical explanation was offered. 

I sold the vehicle on the same day ( XX/XX/XXXX ) to XXXX located in XXXX, NY and they used the " Customer Payoff '' information provided by Chrysler Capital to determine the payment amount. It is my understanding that XXXX has paid the entire sum of {$23000.00} from the " Customer Payoff '' statement, including the tax amount of {$1800.00}. It is my understanding that XXXX can not be charged any taxes because they're a car dealer. Also, since Chrysler Capital has not sold the vehicle to me, they can not charge me the taxes. 

Accordingly, I need Chrysler Capital to refund me the {$1800.00} that shows on the " Customer Payoff '' statement. I sent a letter to Chrysler Capital by mail on XX/XX/XXXX requesting attention to the matter. Happy to provide any additional information.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account was deleted from account and now its back on there. This is prohibiting my ability to apply for a Mortgage. XX/XX/21
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am in the process of purchasing a home and had my credit pulled for the upcoming closing, which shows a 30-day late payment for XX/XX/XXXX with Macys. This derogatory mark was not reporting on my initial credit pull XX/XX/XXXX for the loan and is inaccurate reporting. Due to this error my FICO scores have dropped almost 100 points therefore hindering my loan process. I reached out to Macys who advised this was inaccurate reporting and to call back on XX/XX/XXXX where I would be provided a letter advising of the correction so that it can be submitted to the bureaus ( to restore my FICO scores ). I reached out today, XX/XX/XXXX, and after being passed around and on the phone for over an hour I was finally advised that it will take 30 days to obtain the letter of correction. I do not have 30 days that I can wait. I am filing this complaint as I feel I have exhausted all routes with Macys to have the incorrect reporting fixed asap so that I can proceed with my home purchase. I need this corrected ASAP via e-oscar with the credit reporting bureaus so that I can have my FICO score ( s ) restored to proceed with the loan.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I wrote Experian, regarding XXXX XXXX debt Company, and that Company has falsified dates and amount of debt, and have not provided any document with my Signature, The debt is so old and I have no knowledge of the debt. So I asked Experian to provide a Copy of the debt to verify my Signature and to verify the amount of debt. They sent a letter telling me to verify my Identity, Which I Provided with a letter Dated XX/XX/2017. I received a new letter that said my dispute letter was not legible, and they need my personal information again. I had enough, I sent four rounds of dispute letters stating please send original document with my signature and they have been giving me the run around. Without properly verifying the debt to see if it is accurate.
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hi, My name is XXXX XXXX. The related company is coinbase. My issue is that I am unable to withdraw USD back into my bank account from my Coinbase wallet. The reason being is I do not have an SSN so I can not verify my account. However, the coinbase didn't require my SSN before I wired money into my account. I'm a XXXX XXXX in XXXX, XXXX and I don't have ssn, but I have verified my driver license. This is so serious because I just wired XXXX dollars into my usd wallet. The following are my case numbers : XXXX, XXXX. The case has been escalated and I was told that I will be approached by a specialist. However, it has been weeks and there has been zero response. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2021-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Property address XXXX XXXX XXXX XXXX FL XXXX Last week I learned from PennyMac, raise my mortgage payment out of nowhere. There was no letters telling me about the increase. No phone calls whatsoever telling me about the increase.. no form of any type of knowledgement. I only learned about this when it was time to make my mortgage payment I went online, to make the payment when I noticed an increase of so many hundreds per month. Look like it was adding almost to a grand extra per month. 

I have a FHA loan which supposed to have set payments for the next 30 years. I couldn't understand how they could have been an increase extremely so high out of nowhere. Nevertheless never to be notified about the increase in a timely matter. There was no correspondence from PennyMac letting me know about this increase. Furthermore, PennyMac was contacted about this increase. They stated clearly that the property tax is on the house increase more than {$5000.00} for the year.. Which I found that nearly impossible. How can you tell me, that property taxes could increase by {$5000.00} per year.. that is exactly what a representative from PennyMac has stated. 

XXXX county tax collector office was contacted right away. Who clarify how much the property taxes went up. XXXX county tax collector office informed us, that the property taxes only went up {$370.00} more a year. Not over {$5000.00} more a year.. however, PennyMac, was contacted for them to recalculate and make the necessary corrections. Nevertheless, we also sent them a copy of the property tax bill what it should be. Nevertheless have they made the adjustment. Yet they still want to charge us an increase of almost a grand more a month.. they told us if we did not pay that extra more a grand per month, that we would be considered in default with the mortgage payments. So it clearly took us by surprise that we had to pay almost XXXX more to cover for the mortgage payments.. nevertheless, we was told we would have to pay that increase for the next whole year, per month. I do not understand how did they do their math. How do I go from a 30-year fix, and get in an increase of XXXX per month more. On top of the mortgage payments I make currently. There is no way we could afford a extra {$800.00} more per month. Then again there's no way a property taxes could go up {$5000.00} extra per year. Because property taxes have a cap. They basically double my property taxes. With an increase of more than 100 %..
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

1. Received check of {$66000.00} as part of mortgage refinancing. Deposited in bank ATM on XX/XX/2021. ATM kept the check. 

2. Next day ( XX/XX/2021 ) the full amount was credited to account, but then was simultaneously debited from account as " Adjustment to EF ATM Deposit '' - this was NOT a check hold while the check cleared ; this was an ADJUSTMENT to the check amount, changing the check amount XXXX XXXX. Bank did not allow me to view an image of the check on either desktop website or mobile app 4. Called bank phone number. In total ( two calls ) on the phone for over an hour. A representative ultimately told me that there was nothing any of the Customer Support team could do, that adjustments was a separate team that customers could not talk to, that I would " hopefully '' be receiving a copy of the check within 5 business days. 

I had urgent cash needs to pay a separate debt and was relying on the check clearing by the end of the week.