davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc. (TX)

XX/XX/2022 I purchased a handheld XXXX  XXXX  XXXX XXXX Assistive Reader. I purchased this XXXX XXXX device at a discounted price of {$1700.00}. I paid a down payment of {$180.00} which was required in order to finance the XXXX. XXXX was approved using Sunbit XXXX at XXXX. Sunbit processed my down payment on behalf of XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX  a third-party who set up the Installment Loan Agreement. I was surprised and confused because I didn't expect the high APR. Being a XXXX elderly person, my medicare would pay 80 % of the costs under " durable equipment ''. I felt that I could manage the 20 %. The following is my understanding of what the loan agreement breakdown should look like. 

{$1700.00} = amount XXXX  paid to XXXX for discounted device Less {$180.00} down payment for financing with Sunbit/XXXX  XXXX  {$1500.00} should be Amount XXXX 24.99 % XXXX {$380.00} should be Finance Charge {$1900.00} should be Total of Payments Payment Schedule : 24 months Payment Amount : 23 months @ {$80.00} plus 1 month @ {$80.00} XX/XX/2022 I emailed Customer Support at Sunbit about my difficulty understanding the break down and how the payments work. Nothing was changed and no further contact with Customer Support.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (NV)

DITECH is offering a misleading refinance proposal. They are offering to convert the 18 years and 11 months left on my current mortgage to a 30 year fixed at a slightly higher interest rate. They claim {$19000.00} in savings over 10 years but will actually increase total costs by {$66000.00}. I believe they are hoping consumers wo n't actually do the math!
Consumer complaint received 2016-01-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened an account in XXXX 2015 with Citizens Bank, in XXXX, PA, with XXXX XXXX NMLS # XXXX. Iam XXXX so I receive a check once a month on the XXXX.At the time, I gathered {$20.00} to open this account.I was so excited cause everything went well.At th time of this new account Citizens was running a promotion.The promotion promised a deposit of {$200.00} to my checking account after three consecutive months of my XXXX deposits. XX/XX/XXXX I stopped at another Citizens off of XXXX XXXX in XXXX, PA..It was only $ XXXX- {$30.00}. This guy informs me that the account was set up wrong and said do not worry he would fix it.I thought nothing of it. 
When I did not receive the {$200.00} after the 90 days, I called and was told 120 days.After 120 days, I called again and was told I was miss informed and it was 190 days. Now, please keep in mind I just lost my home, my daughter was XXXX my family member and was really counting on these funds for the holidays. Then, comes the letter from some big wig, XXXX XXXX at XXXX Eastern Time, that states I am not eligible to receive the funds because their records state I opened to accounts in under six months so I wont be receiving the promised {$200.00}. How much sense does it make that a poor person, who just came from being homeless from losing 25 years of house payments and belongings and living on streets until I could get a slum roof over our heads before winter set in.I NEVER OPENED XXXX ACCOUNTS THEIR EMPLOYEES XXXX THIS UP AND THEY WILL NOT ADMIT IT.I requested proof of my signature for XXXX accounts XX/XX/XXXX..I heard nothing since. Now, they took a {$35.00} overdraft fee and will not return it when they know it is their error.The bank manager in XXXX, PA AGREED AND COMPLETED paperwork to get it back and now they are saing I had a {$5.00} overdraft the day before my XXXX deposit came in on XX/XX/XXXX. I took my rent on XX/XX/XXXX which left me {$.00} in my account. The next Monday ( 2days after ) went in to deposit {$5.00} from money order so I could use the {$15.00} for train to get to doctors office and that 's when they hit me with {$35.00} fee.I went directly to manager, ( 3rd time they assigned {$35.00} fees that should not have existed ). Look I HAVE had a few times that I did use the overdraft option and had no problem paying their initial {$35.00} fee and then their {$6.00} daily fee until you replace the funds borrowed and {$35.00} fee. I want my {$200.00} and my {$35.00} fee from XXXX/XXXX/15 before I find another bank that do not steal from their customers.I am not the only one. Apparently, they do this often.I even witnessed XXXX people fighting for the same thing but they are accepting it cause they are given no other recoarse.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (IA)

On XX/XX/2022 we were trying to sell our XXXX XXXX on the XXXX XXXX and we were asked by an individual whose profile name was XXXX XXXX. He wanted to purchase from us using XXXX. He got our XXXX information which is through US bank, and sent us a confirmation that he sent us our {$600.00} for our XXXX XXXX. We then received an email from XXXX that this supposed XXXX used to make it look like we needed to send him {$400.00} to upgrade to a business account so we could get out {$600.00}. The email came from XXXX or so we thought. The only reason we sent {$400.00} was because the email looked legit from XXXX who we use with out US Bank account. US bank didnt even contact to discuss what happened or look at the emails and proof we have. Had we known the XXXX emails were fake we wouldnt have sent {$400.00}. We have the messaged chat and emails for proof. We just want our {$400.00} back. Please help!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.
Consumer complaint received 2017-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian is reporting obsolete information in which I am asking again for the old accounts to please immediately be removed. I have contacted Experian and they have not removed the old accounts. All accounts exceed  XXXX  years in which easily verified by dates opened. The accounts are not attached to any other accounts and within removal date status. I am attaching a previous request sent to Experian requesting the following accounts which exceeds  XXXX  years of age to be deleted from my credit file. Again I am asking for the following old accounts to be removed as they are too old to be on my credit file.       XXXX   XXXX    XXXX  ... .Date opened  XXXX    XXXX    XXXX  ... .Date opened  XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ...  XXXX  opened  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  ... .Date opened  XXXX
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (CA)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

Good evening, We made a car reservation in XXXX, XXXX using the Chase XXXX XXXX and paid with points on XXXX XXXX this year. 

Trip ID : XXXX Traveler 's Name : XXXX XXXX XXXX Reservation ID : XXXX Car Company XXXX XXXXXXXX XXXX XXXX Confirmation : XXXX Pick Up : XXXX XX/XX/XXXX Drop Off : XXXX XX/XX/XXXX We arrived at the location at XXXXXXXX XXXX XXXX in XXXX, and the company said they didn't have the reservation on their system. We spent more than 2 hours with Chase XXXX over the phone here. The agents tried to contact the company that didn't pick up the phone and told us they opened a case in the system to provide us with a refund in 72 hours. 

The agents could not assist with the emergencyno procedure in place to take action in a situation like that. We had to contact a credit card competitor to get an emergency car for the day and the following days from the vacation. ( We will ask to use the travel insurance for compensation for the extra costs/difference price ). All the documents can be provided. 

We have contacted the Chase XXXX phone line to get an update about the refund from the car rental, and the agents need to know what's happening. According to my phone, we have made several calls with a total of over four hours with customer service and are still waiting for a resolution ( refund ). 

Today ( XX/XX/XXXX ), we received an email from XXXX asking us to provide " Example : Email from the car hire company offer the full refund, copy of proof of purchase local car hire company '' We never used the service from rentalcars.com. It may be Chase 's third party, but how we explained that XXXX XXXX XXXX XXXX didn't have our reservation at all. We didn't book a car on that day with them. We used XXXX and the following days with XXXX. 

Chase has been aware of this problem since day one, so the communication needs to be between the third-party system, the car rental company, and Chase.
Consumer complaint received 2022-11-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Exeter Finance, LLC. (MI)

Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. 

On XX/XX/XXXX XXXX XXXX XXXX called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to XXXX by Exeter Finance in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. 

On XX/XX/XXXX, XXXX called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with Exeter Finance was not going away! I tried to explain to him that I didnt have an account with Exeter Finance XXXX XXXX XXXX then stated that XXXX called me the previous week about this debt. I informed XXXX XXXX that XXXX didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.
Consumer complaint received 2017-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Sometime in   XXXX   XXXX     I submitted a dispute with Experian stating that   XXXX   XXXX   which is a  3rd p arty debt collection for  XXXX  was not mines and should n't be on my credit file and I did n't owe them, the account number is  XXXX  after the investigation was completed   XXXX   XXXX   was removed from my credit file on   XXXX   XXXX   XXXX    , then on   XXXX   XXXX   XXXX       XXXX   XXXX   was added back to my credit report {$1500.00} without my knowledge I never received anything from Experian stating thi s 3rd part y agency would be added back to my report I do not owe this company as this debt does not belong to me I actually have  XXXX  now as my  carrier fo r cell phone service so how can I owe them a past debt and have service with them now, I would like to have this removed from my credit file again and not placed back on, this debt does not belong to me.         thank you
Consumer complaint received 2022-11-01
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. (CA)

Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.
Consumer complaint received 2022-10-31
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: Carter-Young, Inc. (GA)

Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which are not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX has been on my XXXX credit report since X/2007. I am asking XXXX to remove the account as it is to old to be reporting on my credit report.I have no payment history as I have never paid on this account. This account is approximately 10 years old.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

Was Havely in debt and despite making payments larger than my minimum payments I was never having my balance smaller and my balance continued to increase. I cashed out my XXXX XXXX  account and paid my penalties for doing so, to pay off my credit card with citi bank. I asked for a payoff quote and I was told my balance of {$25000.00} is my payoff quote. I made the payment for full {$25000.00} and my account was XXXX balance until few days ago, I get a new statement from citi bank asking for additional {$220.00}. I called citi bank and explained to no avail, I requested to speak with their supervisor to no avail. Citi bank gives you a so called payoff quote which is the current amount balance and then tag the consumer with additional fees and interest. This is not right and we the consumer work hard for our money, I should not get robbed by some corporation who cant eat {$220.00} for their mistake. The daily compound interest is always calculated into the payoff quote, not added after the account balance has been paid in full.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I Contacted Capital One, Account number ****************. The account had fallen delinquent due to job loss. On XX/XX/2015, I offered to pay off the account for less than full balance. Capital One offered an amount of {$2000.00} as a settlement amount. I agreed and paid same in XXXX installments of {$340.00} and {$1700.00}. Final payment on XXXX/XXXX/2015. Capital One has failed to contact/report these payments to the credit bureaus with arrogance. They now say it is settled but the remaining balance is still reflected on the reports, with no reporting of the agreement or my payments reflected accordingly. Capital One says now, give us the remaining balance of {$880.00} and we 'll take it off. That was not the agreement. Capital One is using deceptive/fraudulent business practices with not only me, but I am sure millions of others. Why would I give these people anymore money at this point? Please investigate. Thank you.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian credit directly through their " Dispute '' portal to information them of the inaccuracies on my credit report. My credit report is showing an address of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IL XXXX. These addresses are incorrect and should not be on my credit report. My correct address is XXXX XXXX XXXX, XXXX, IL XXXX, in which I have lived at this home since 2002. I have attached the report that shows the address errors as well as my drivers license.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo charged me for a minimum balance fee in my savings accout and was not told it existed. I moved money from my low yield savings account to my checking account and was cahrged. This is a systematically important bank ( XXXX ) and taking advantage of an implied US government put while offering little no no yield.I called them and no resolution occured. They were arrogant and impolite.
Consumer complaint received 2022-10-29
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (VA)

Hello my na is XXXX XXXX I have a way to go prepaid card for my unemployment benefits and I made a purchase and they blocked my card for no reason at all. I called and was told to send my ID and SSC I explained that my ID was expired and was told to sent my SSC and birth certificate which I sent and they are holding my account hostage. 
This is clearly the way us older XXXX Americans are disenfranchised because we cant keep our ID up to date and the company probably keep my money forever
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

My mortgage was sold to Loancare around XXXX 2014 and since then I have had to call and make them take my payments off of the " principal '' and put it back to monthly payments. I have always been ahead on my mortgage only to be told by Loancare that they put my payments to principle instead of my payment every single month,. I am furious that I have to keep fighting for the true status of my mortgage because XXXX XXXX decided to sell my mortgage to the most incompetent people in the mortgage company business. I want to find out how I can get away from this nightmare company, and the hours of phone calls to these morons! We all deserve better than having our mortgage sold to such incompetent, and rude people.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 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.
Consumer complaint received 2016-05-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not allowed me an avenue to show proof of recent hardships regarding loan modification. Enclosed, you will see letters from the bank regarding the upkeep my my property and current damage. 

Bank of America will not give me a contact with Email to send this information. They are not working me to find resolve. 

The assigned, yet, another lower level representative who has not reached me. I left XXXX messaged.
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL (GA)

I notified JCPenney ( Synchrony Bank ) of my late payment and the day I would be able to pay via phone call and online account multiple times. The bank still proceeded to call me from different phone numbers all over the US 5 to 6 times a day, as early as XXXX.