davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (UT)

I have moved out of the state wh ere Zions Bank ( Utah ) is locate d. I tried to call and close my checking account and line of credit account.     I dont have the exact dates of calling because I have had to call many time to this point and was given bad information that I had to piece together to know how to close both of my accounts.   I was told the only way to close my accounts was in person at " only '' the branch  at : Zions B ank,  XXXX   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  or to mail a notarized letter only to that branch. From  XXXX   XXXX , 2017-  XXXX   XXXX     2017 I ha ve receive d 3 fees (   XXXX  on   XX/XX/XXXX ,   XXXX  on  X/XX/17   ,  XXXX  on  XX/XX/XXXX  ), which has made the checking account go into a negative balance. As a result I have had to transfer funds into my checking and line of credit to bring the account balance to  XXXX . So the negative impact to me is the longer the account is not closed the more fees I keep having to pay when the checking account goes into the negative.     I sent a notarized letter USPS on  X/XX/2017   ( tra cking #  XXXX   ), it  was signed as received at the bank branch on  X/XX/2017   . I tried to call the bank branch but when yo u google sea rch you get a result to call  XXXX  which is a call center. I called many times on  X/XX/2017    and on  X/XX/2017   . The call center told me they can not get a hold of the branch either. The call center gave me a second #  XXXX  which they told me is the branch. I called that and it goes to the call center.     I asked every single person at the call center to close my account. Their response it they can not and only the actual branch can where the letter was sent. However, me and the call center  for two  straight days including a Supervisor at the call center could not reach the branch. The supervisor said she would email the branch and also open an internal complaint. I ga ve the Supervisor my contact information. I have many issues : 1 ) I can not close my acco unt over the phone when I now live across the country. I do n't understand why I can access the account, verify my identify and make all other adjustments but can not close the accou nts. 2 ) I was given bad information. 3 ) I was told only one branch can actually close the account and the   notarized letter can only be sent there, I do n't understand this because now my letter is only in the hands of someone at a branch and not a call center, corporate office, mail center, etc.  4 ) Myself and their call center employees could not get a branch employee on the phone for two straight days, every time we ( me, the call center ) it r olls back to the call center.     I feel like I am not able to close my accounts and it is costing me fees and time. I am not any closer to having the accounts closed and no one at the branch called me to inform me since receiving my letter the accounts will be closed.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

My husband and I refinanced in XXXX with XXXX XXXX. In XXXX, we received email notification that it was transferred to XXXX XXXX as of XX/XX/XXXX. But via written mail, it stated the mortgage was transferred to Mr. Cooper. We have not received any written correspondence from either servicer confirming the new account service. The number provided is a call center with limited assistance. An email was sent to XXXX XXXX and Mr. Cooper last week. I can not locate meaningful contact details for XXXX XXXX. We are thankfully in a financial position that is not in default ; however I know how these situations can affect our credit scores. Please help. We are already dealing with major XXXX XXXX circumstances and these types of situations are incredibly frustrating and difficult to navigate and manage.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NY)

Experian credit reporting agency is doing what they want on my credit report andd then lying about who is puting these alerts on my repoert I'v called in about the alert on the XXXX of XXXX to make sure that it was being or has been removed and i was told it was to recieve a letter in the mail that they have place another alert on my file and has stopped all credit offerswhich i did not authorize this a XXXX time. There are XXXX credit file for XXXX one is XXXX that I did not owe XXXX any money i paid a partial owing XXXX dollar balance and they turn my service off the only way i could use my phone was to pay the other XXXX which i did and they place a bill for XXXX dollars that i do not owe i disputed this and they continue to verify but i have been asking to show me thelast bill paid and how it was paid as proof. other XXXX bill was charges placed on an account that was not owed for wiring because my home had caught fire and it was suppose to be a reconnect and then they try to bill me for wiring on an reopen account I do not owe them any money I disputed unauthorized credit inquires that are on my report that i did not authorized, that are constanlty be verified as correct. the last account is XXXX for XXXX that they continue to verify as my account without any proof as well
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

Ally Financial My original complaint is when I was a month behind, they called me 4 to 6 times a day, and I did try to pay online but was locked out of my account until today. But I found out they are running a background check and looked up possible associated people to me and started calling them. I got a angry call from my husband 's baby 's mother implying I'm trying to commit fraud and this ally company keeps calling her non stop all day. I do not know how they got her number or anything about her bc I do not associate with her. I don't like her nor have I even spoke to her in almost 3 years I called customer service at Ally and the man kept dancing around my question of how they got that woman 's name and phone number and he kept saying he didn't have it. I said yes they do, because she called and gave me all my info on my van and he hung up on me during him transferring my call. Allegedly. So I call back and while waiting I got hung up on. The third time I got in touch with a woman and she started the same run around I finally asked her, I need to know right now how you got her name and number because I do not want her to know anything about me! Then Mt husband said I bet they ran a background and seen your possible associations. I asked the woman that and she said that since I didn't answer they look for possible associates to get in touch. I said I have a no contact order on her and stalks us. Now she knows all my info because yall XXXX  it to her. Then after that conversation magically my debt owed qent from XXXX to XXXX estimated. I pay XXXX a month. So those don't even add up no matter how you look at it. I want out from under that company. They violated my privacy act and I'm XXXX. This can ultimately cause problems un my life thanks.to them. 
I have never in my life been late on a car payment before. This past month is the very first time and they are literally looking my name up just to find other people to call and harass. It's a violation of my privacy act. Worst loan company I have ever had. Wouldn't recommend to anyone. I've never had issues like this in my life. I'm shocked, violated, and angry.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NM)

I noticed XXXX wrong addresses on a free credit report from Experian. My addresses are correct on reports from other credit-reporting companies, so this is an Experian error. I tried to remove the incorrect addresses online and was told I could not correct the report online -- I would have call Experian between XXXX. When I called Experian, I was told to go back to the web site and file a dispute on my credit report. I tried to use the dispute process online, but when I attempted to upload a document explaining the error on the report, as instructed on the Experian dispute site, the site would not allow me to upload any documents. The mail-in process requires me to send a copy of a government ID, a utility bill and a copy of my social security card -- a slow, time-consuming process that is not secure, and will be a hardship for me to complete. I would like Experian to allow me to make corrections online and/or over the phone, and to fix their web site so consumers can upload documents in the dispute process.
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (PA)

To Whom it May Concern, I am writing today to complain about a loan that was provided to me by Affirm.com to purchase a digital product called XXXX from publishing.com. Additionally, I have filed a complaint directly with the merchant due to being unhappy with the digital product. 

As it relates to being financed through Affirm, I had applied for the loan on XXXX separate occasions. The first time on XX/XX/2024 I was denied the loan due to not meeting the income requirements. Disappointed by this, I then went again and applied for the loan a few days later on XXXX, XXXX XXXX  using the same income information, then was approved. 

The purchase itself is one that I regret making and have taken every step to dispute directly with the merchant with no agreed upon resolution. There are hundreds of complaints across the internet about the digital product the merchant offers being a scam. 

Specifically, in this complaint I would like to ask why I was first denied credit and then approved just a few days later when my income information did not change? 

Thank you for allowing me to submit this complaint to your department. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I ordered furniture from XXXX XXXX XXXX and used my Citi Bank Brand source credit card to pay for it, but I never received the furniture I ordered, and despite having evidence of XXXX the finance manager trying to extort money from me and intentionally defrauding me during this transaction, Brand source and Citi bank refuse to help me. I have filed complaints with both and they both say because I filed one week after the 60 days of the charge being filed they refuse to help and dispute the claim! They have refused t make a corona virus exception! 

XXXX XXXX XXXX  unethically used the corona virus as a delay tactic to prevent me from filing the dispute within 60 days since they knew all they had to do was fraudulent claim the custom order was still being built! I want someone to investigate this because I have found other victims of this scam by asking the maker of the couch if this couch was indeed delayed or if XXXX XXXX XXXX intentionally lied and committed fraud! During this state of emergency Brand Source and Citi Bank have been implicit in XXXX XXXX XXXX abusing the coronavirus pandemic by not giving its customers the same protections it uses to deceive its consumers with! This is not okay, especially during a federal state of emergency! 

XXXX XXXX XXXX is not registered with the state of california, they are under a umbrella corporation called XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, California XXXX
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (IN)

I have asked IMC Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (TX)

I had financial issues and had to stop paying on bills other than necessary bills. I made a few payments toward the loan but seems the principal only decreased by less than XXXX or so. My loan amount was XXXX and now i receive a collection notice for almost XXXX. I made a XXXX payment on XXXX only XXXX went toward the principal leaving my balance XXXX, on XX/XX/XXXX XXXX payment only XXXX went toward the principal balance XXXX and on XX/XX/XXXX made a XXXX payment XXXX toward my principal and balance was XXXX. How is this possible if i have made payments toward my loan? They call both my and my XXXX year old cell phones all during the day. And i have not given them permission to call any cell numbers. I want them to stop calling me and my daughter cell or any other number they have on me.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

There is a charge of {$16.00} of my statement of around 2 months ago, for the order of XXXX XXXX that has never been delivered to me in XXXX, XXXX, The credit card has not permitted me to file the dispute on line, despite my many attempts. They insist that I call them, on my many messages to the Executive Office, I wrote that I can not call from XXXX and sent them some of my numerous attempts to resolve the matter with XXXX XXXX, asking to file a dispute on my behalf, or let me do so, IN REPLY TO MY NUMEROUS INSTRUCTIONS TO STOP CALLING ME ON MY XXXX PHONE NUMBER, T THERE HAVE BEEN MORE AND MORE IDIOTIC PHONE CALLS, TELLING ME " WE NEED TO TALK TO YOU '', MORE OF MY LETTERS, MORE PHONE CALLS, COMPLAINT TO XXXX  - MORE PHONE CALLS AND THE CASE CLOSED AS BofA REPORTED THAT THEY SENT ME A LETTER TO RESOLVE THE CASE,, BUT THEY COULD NOT CITE THAT HIGHLY SECRET LETTER ON THE XXXX XXXX Well, it took me 40 minutes to log on to some highly secret web site, to read the totally idiotic letter telling me that I have to send them a formal complaint, via mail, THIS IS AFTER TWO MONTHS AND 40-50 HRS OF MY WASTED TIME, The incompetent and abusive Bank of America must have wasted a few $ $ XXXX on salaries of their incompetent and abusive employees, instead of issuing a {$1600.00} credit for the fraudulent XXXX XXXX , I have tried the online customer support, who told me that they could help, because my IP address was from XXXX XXXX , WELL, THE BANK KNOWS THAT I AM OFF AND ON IN XXXX, MY CHARGES ARE IN XXXX, FOR THIS CARD, MY PAYMENTS TO TWO OF THEIR CREDIT CARDS ARE MADE FROM XXXX, via my XXXX XXXX> WHAT IS THE BANK OF AMERICA PROBLEM ? 
WHY IS NOT THEIR WEB SITE EVER WORKING PROPERLY, WHY DO THEY INTENTIONALLY ABUSE AND TORTURE CUSTOMERS OF MANY YEARS BECAUSE OF THE FRAUDULENT CHARGE OF {$16.00}, FOR THE ORDER THAT HAD BEEN NEVER DELIVERED TO ME, THIS IS ABSURD, AND THIS IS A CRIMINAL ABSURD, DEMAND CREDIT OF {$16.00}, REMBURSEMENT OF THE WASTE OF 50 HOURS OF MY TIME, AND THAT BANK OF AMERICA PROVIDE ME WITH AN EMAIL CONTACT OF SOME COMPETENT PERSON IN CHARGE AND REPAIR THEIR NEVER WORKING PROPERLY WEB SITE,
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Someone in XXXX apparently contacted XXXX and used my credit card number to subscribe. I do not know how they got the number because the card was not out of my possession. 
Chase Bank contacted me via computer telephone message telling me that I owed about {$60.00} or some such amount. I then followed prompts to speak with someone at the bank. I told them I knew nothing about why I would have any balance because I had not used the card for years. They had also tacked on late charges -- since I never received a bill of course I had not idea that any money was owed. I contacted XXXX after being told that the charge for XXXX. They told me that someone in XXXX had given the number. They asked me if I knew anybody in XXXX. Never been there and never known anybody from XXXX. 
Finally at one point Chase admitted the charge was fraudulent but they had not removed the late charges for the unpaid bill, a bill I had never received and had no way of knowing that someone in XXXX had used the number. 
A couple more phone calls to Chase did not resolve the number. The last time I was switched to XXXX different people becuase nobody could remove the late fees on the fraudulent charge. I have spent several phone calls and many minutes, all because Chase is not willing to remove charges, even after they admit them to be illegitimate,. This organization is unlike XXXX XXXX or XXXX XXXX XXXX in dealing with fraud issues. Never have I been treated so shabbily because some merchant accepted my credit card number for a fraudulent charge. IThis company does not deserve my business but I have heard that closing an account such as this will lower my credit score.
Consumer complaint received 2017-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have dispute all three bureau 's about portfolio debt collector. It was deleted then put back on my credit i ask to validate this debt with signature proving this debt is mines they have not show any proof of that.
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I XXXX and XXXX XXXX bought a home from XXXX in XXXX in 2008 our first loan was though star XXXX which sold our loan to chase well ever thing was good at first until i lost my job we did a loan modifcation application well ever since we did the loan modification ever time the say we default its when you get to the third payment the one that will lock you in well this is my home has been and i have been thought XXXX but i will keep fighting for my home until there is no more breathe in me can someone please tell me what to do how do you get chase to understand
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Management Services, Inc. (CA)

The doctor 's office is attempting to collect for a missed appointment that was cancelled I spoke to both XXXX and XXXX about it and could not make the appt and it should have been cancelled or rescheduled and was not. XXXX XXXX XXXX is the doctor and I spoke to his staff before and after the appt on numerous occasions, before and after the appointment.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

Between XXXX XXXX and the XXXX I have had several conversations with JP Morgan Chase employees via their XXXX client line and online secured messages regarding my Over Draft protection for my checking account. On the XXXX and XXXX, my overdraft coverage which is connected to a chase credit card did not work. Apparently an internal payment of {$8000.00} was not applied in a timely manner to the credit card and when checks came in they charged me {$68.00}. I called the customer service line and the young lady that assisted me could not understand why the overdraft coverage did not work. She acknowledged it should have. In an attempt to correct it she de-linked the credit card from my checking and relinked it back. This caused another XXXX charge. Then, without my authority, the bank decided to link it to my savings account. It has been a comedy of errors that has cost me {$100.00}. In addition, the generic messages that I receive from Chase make no sense and are full of false and incorrect statements. I do n't think its necessarily deliberate so as not to refund these ridiculous fees, but I am starting to doubt their integrity.
Consumer complaint received 2018-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I made a purchase on XXXX for a XXXX XXXX  and paid using Paypal. The item I received from XXXX was obviously a counterfeit item, and not an authentic XXXX. I requested a return through XXXX, but was notified that the seller was actually a third party merchant who was selling through XXXX, but not actually XXXX ; and therefore, I can not return the item to XXXX and had to arrange a return through the actual merchant. However, that merchant ghosted and does not have valid contact information posted anywhere. 

I disputed the transaction for fraud through Paypal ( Case ID XXXX ). After Paypal 's review process, I was told to mail the counterfeit item back to XXXX ; however, the address provided by paypal ( which I had to upload tracking information for ) was not a street address. The return address provided by Paypal was : " Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, United States '' Following the www address just leads to a blanked out contact information of the third party merchant. I called Paypal no less than 3 times and sent numerous correspondence regarding this issue ( which according to the customer service representatives was acknowledged and documented ) and submitted screen shots of what's behind the www address that Paypal sent, to prove that there was no return address. 

Regardless, PayPal closed the case and derailed any derailed an appeal ( opened by their phone CS team ), since " it is [ my ] responsibility to return the item '' and that they were complacent in allowing the fraud to occur unless " i can prove that I returned the item ''.