davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MD)

I lost my job in XX/XX/2019, since then I've been struggling making my payments. 
I have reached synchrony bank repeatedly asking to lower my interest rate with the card. 
I had 2 credit cards with them the Amazon and the TJ Maxx, I paid off TJ Maxx and as soon as I paid it off the closed the account without letting me know. 
Now they are charging me high interest rate and they don't want to help me with the payments with the amazon card, they make harassing calls every day and when I answer and try to see if they can help me they just hung up on me.
Consumer complaint received 2020-10-11
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: JPMORGAN CHASE & CO. (IL)

I purchased airline tickets in XX/XX/2020 but was

n't able to travel due to COVID. Despite contacting XXXX  XXXX  several times via phone, website, and email, I was not able to get my matter resolved. I also tried submitting for
a credit several times since XXXX but the website kept stating my reservation numbers were not valid.

I did receive an email from XXXX XXXX  which stated if I was unable to travel due to documented issues, I would receive a refund. Despite providing doctors and lawyers documentation, employer statements, and expiring visa documents, I did not get a respond from XXXX. In total, I contacted XXXX  16 times via website, phone, and email but was not able to get my matter resolved. 

I submitted a dispute for the charge to Chase british airways credit card in XX/XX/2020. The reps at Chase asked me to provide evidence of the phone calls, email communication with dates, as well as doctors and lawyers documentation, employer statements, and expiring visa documents that I submitted to XXXX. I mailed a packet of all the information with a tracking number, including specific dates. I confirmed the mailing address 3 times. 

I called Chase to confirm receipt of my documentation ; the rep stated they had not receive it. I provided the tracking number which confirmed that the package was delivered. The representative at Chase asked me to fax the packet instead. Again, I faxed the packet twice with a confirmation. After following up days later, the next two at Chase stated they had not received the faxes either.

After my fifth or sixth call to Chase, the representative transferred me to a manager who kept counting the time that she was on the phone with  me ( 12 minutes, 13.5 minutes ), was not willing to acknowledge the communication I had with her previous coworkers between XXXX and XXXX, and stated it was not Chase 's responsibility to uphold the dispute. 

She stated she was giving me {$100.00} to as a courtesy since she had spent 13 minutes with me.

After being a Chase customer for the past 20 years, I am extremely disappointed at their service and am frustrated that all the Chase representatives had asked me to provide documentation to suppo
rt my dispute. After taking a significant amount of time and effort to gather all the information and send it, my dispute was dismissed without any investigation.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (CA)

Original creditor was XXXX continental finance company. Debt was then sold and the debt to XXXX XXXX XXXX Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C. (IL)

Ive contactedXX/XX/XXXXon numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that XXXX XXXX rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from Blitt & Gaines today at XXXXXX/XX/XXXXCT. XXXX stated that I communicated with XXXX XXXX & Blitt & Gaines back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically Blitt and Gaines filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by Blitt and Gaines but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.
Consumer complaint received 2020-06-27
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 — Problem with personal statement of dispute
Company: LD Holdings Group, LLC (TX)

I paid my LoanDepot mortgage in full on XX/XX/2020. I had attempted to speak with them multiple times and they did not answer after placing me on hold for over an hour at a time. I have never missed or been late on a payment. Over a week after paying the entire mortgage in full, LoanDepot placed a late payment on my credit report. Due to their untimely reporting, failure to provide customer service, and failure to even speak with a customer working in a hospital during a pandemic trying to survive in keeping their family in their home, I am requesting that LoanDepot remove the late payment from my credit report.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Discover allowed three deposits totaling {$11000.00} in succession using the same bank and all payments made and bounced in a 10-day period. I can understand one, but 3 payments on the same card using the same bank account and that quickly??

Discover blames me but payments are out of my control. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I got a 6 months no interest card from Syncrony Bank, a Care credit  in XX/XX/2020 card due to an XXXX  XXXX  XXXX. I initially charged the card with about {$1600.00} and 2 months later about {$230.00}. The remaining balance, after the promotional 6 months offer was up, was about {$390.00}, XX/XX/XXXX. 
Now they are charging me about 32 % on that remaining balance, {$120.00} (!!!! ). I called the customer service and they told me that that amount is actually calculated on the initial balance. If I almost paid off the initial balance except {$390.00}, how does it make sense to charge me on the paid off portion, too?!?!?! 
I'm thoroughly disgusted by their predatory practices, to take advantage of someone, who needed medical help. I would be ok for them to charge me interest on the remaining balance of {$390.00}, but not on the initial balance I already paid off during the 6 months.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

i was at homedepot in XXXX ca trying to use my commercial account with homedepot for a purchase of giftcards for a project my company was handling the head cashier called fraud departrment alerted them i was purchasing giftcards and the fraud department called every person listed on the corperation hey did u know that XXXX XXXX is purchasing giftcards every member of our company verified it so then fraud department told head cashier we couldny purchase giftcards with commercial acct no problem i will do purchase order over phone fraud department got mad and put block on account after i made purchases ... .. a week later then they are saying purchases need to be verified no problem lets verify them well we left a reference code on a phone number ok well we no longer have those numbers ok well the only way this can be verified is threw a number thats listed to company thats what i was told from fraud department consumer protection so then i said well when we opened acct those are numbers that where provided and they werent associated with company only members of company well sir we left messages with a reference number for this matter well what number did u do that with cause u said my company phone number are not verifiable to company so u can leave a message with reference number to this matter on those phones but u cant verify phone numbers that were givin when acct was opened i said im not understanding was also told that a letter was sent out which was all lies what going on here is that we have a closed account with citi bank XXXX XXXX and it has a balance and they are punishing us for non payment of said account it has nothing to do with purchases on homedepot account we have had this account for going on 2 years plus if there was fraud it would came up a long time ago and also i feel that there is discrimination going on here because im XXXX XXXX and that was a high fraud area from XXXX XXXX is what i was told but they wont unblock account no matter what we do ... ... ... ... ... this has been going on for 3 months also i have made several payments on acct
Consumer complaint received 2020-05-09
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. (NY)

In short, I went to a auto tint shop to have my XXXX  XXXX XXXX XXXX tinted. I wanted the car tinted specifically with one piece of film in the rear glass. The shop did it in two pieces without my consent. Also the two rear door glass was not aligned with the glass. 

Citi bank ruled in the merchants favor. Im confused how they got to that ruling with the given circumstance. The service was not done correctly. When I reached out to the merchant, the merchant threatened to rip it out of my car therefore I am scared to return with my car. Please help. 

Please refer to attachment for the full story and also included pictures for proof.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I having problems company is saying that I miss a payment I called them since another company sold my loan..i ask them to tell me the month they said I miss the payment but they can not tell me.. ow they want to charge me more for the missing home payment..i have all my payments on file since I got the house..i don't know what else to do..my house loan has been sold twice already. New company is saying I'm missing a payment but can not tell me the month they say I miss
Consumer complaint received 2020-10-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (TX)

The problem I have had with AAG is that my line of credit has not changed since XX/XX/XXXX. Since then it has varied between {$1.00} and {$1.00}. A month or so ago I called about this, I was told it was due to fees charged. 

I also noticed some misleading statements in their television commercials. They stated that funds could be used for medical emergencies or house repairs. There is not much I could use for {$1.00}. I also noticed that they stated it was begun in XXXX. However, reverse mortgages did not begin until President XXXX.
Consumer complaint received 2018-06-11
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: LEXISNEXIS (OH)

Lexis Nexis XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Social Security Number : ********** To Whom It May Concern : In your letter dated XX/XX/2018, page 2 you acknowledge that under the FCRA that I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. 

I am requesting the exact method of verification used considering Bankruptcy Rule 9037 ( a ). 

REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.

Please note : You may not surmise that just because a name, partial address, partial account number, partial SS number, generation ( Jr., Sr. ), and or the 2nd or 3rd generation etc. is accurate. 

Therefore, based upon Bankruptcy rule 9037a above, the information many not be verified based upon assumptions.

Failure to respond satisfactorily with a deletion from your records within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have submitted my driver 's license and paystubs to Equifax on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that Equifax may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from Equifax and I believe my consumer rights have been abused and violated.
Consumer complaint received 2020-06-27
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. (VA)

The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened DateXX/XX/XXXXBalance {$0.00} XX/XX/XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}
Consumer complaint received 2020-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EDvantage LLC (FL)

Due to the COVD-19, I was seeking financial assistance to help with school loan. My XXXX  is closed and work is closed as well. So I called on XX/XX/20 to seek options available. But they didn't offer any solutions and customer service was awful.
Consumer complaint received 2018-02-12
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: TCF NATIONAL BANK (NJ)

I have XXXX XXXXXXXX XXXX XXXX XXXX for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.
Consumer complaint received 2020-10-11
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)

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity  theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Consumer complaint received 2020-10-11
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. (MI)

There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (OH)

We informed Nordstrom Credit Card on XX/XX/XXXX that charges against account were fraudulent. They agreed to close account, but we continue to see activity. The total amount to date is {$16000.00}. The money is coming out of our XXXX checking account .... 

XX/XX/XXXX NORDSTROM XXXX  XXXX XXXX XXXX  : XXXX ACH debit - {$2400.00} XX/XX/XXXX NORDSTROM XXXX  XXXX XXXX XXXX   : XXXX ACH debit - {$800.00} XX/XX/XXXX NORDSTROM XXXX  XXXX XXXX XXXX  : XXXX ACH debit - {$2400.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$3500.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$800.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$2400.00} XX/XX/XXXX NORDSTROM XXXX XXXX XXXX  : XXXX ACH debit - {$3400.00}