davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
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. (WA)

First I sent in a letter but it was left unacknowledged then I tried to dispute it online and it has been in que since XX/XX/2020, calls do not get picked up and the website only shows some items available to dispute but all under collection. The whole Equifax is bad I'm shocked how much stuff is incorrect. Might be a glitch idk.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PNC Bank N.A. (FL)

Every month XXXX XXXX calls and harassers us and lies to try and get us to make payments stating our payment is late when the payment is not even due, he called about 3 times a day and it very aggressive and nasty. He called and spoke to me and was so nasty i hung up then he called my husband claiming we owe {$700.00} my husband told him we don't owe anything but a couple late fees and our monthly payment which is not even due yet. When my husband caught him in his lie he changed the subject and said he wanted the payment anyway. We explain we caught up on our payments and we were on time he refused to listen and get very angary and aggressive. My husband told him to stop calling us and he said no he would be calling every day 4 times a day. My husband told him if he wanted payment for late fees that is what he should says because customer service told us that the payment of the late fees were put on the back of the loan as long as we kept making our monthly payments.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

( NOTE : I LISTED THE WRONG CREDIT CARD CO. NAME ON MY PREVIOUS COMPLAINT ID XXXX ). CORRECTION BELOW. 
XX/XX/20 : CITICARDS CBNA ( CITIBANK ) IS  REPORTING OUTDATED XX/XX/20 INFORMATION TO XXXX & ALL CREDIT REPORTING AGENCIES. THIS IS THE ONLY CREDIT CARD COMPANY WHO REPORTS OUTDATED INFORMATION. WHY???
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I have had a loan with Hyundai Motor Finance for several years. It is a fixed rate closed end fully amortized loan without prepayment penalty, On XX/XX/XXXX I was involved in an accident. Today my insurance company declared the car a total loss, so I will need to pay off my loan balance. I spoke with several supervisors at Hyundai who all insist that my payoff is {$7200.00}. The problem is, if I keep my loan through the 17 months remaining I will have paid out {$7200.00} ( XXXX monthly ), including principal and interest at 9 %. Clearly their payoff calculation can not be correct as it is even higher than total payments! 
They are unwilling to adjust the figure to my principal balance remaining,
Consumer complaint received 2020-07-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed 2 XXXX XXXX XXXX  accounts with XXXX XXXX XXXX  and credit bureaus and received the attached response from XXXX XXXX  XXXX confirming that both accounts will be deleted from credit bureas. Although XXXX and XXXX  are no longer showing the disputed accounts, as of XX/XX/2020 Equifax is still reporting account XXXX ( see attached ). 
Please delete this false account asap.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (PA)

Hello, I had to return a product for malfunction reasons back to Lowe 's home improvement store in XXXX, pa. I was credited back to my Lowe 's advantage credit card in the amount of $ XXXX. 
Balance was XXXX. Other credits were reversal of late fee of XXXX ; XXXX ; - XXXX ; my monthly payment of XXXX ; XXXX partial of warranty refunded in check form. I also made a XXXX payment in in which XXXX was applied to the returned items ( washer and dryer ) which total costs came to XXXX. 
I was due my refund of XXXX for my payment, my balance should not be XXXX. They are fraudulent in their added fees to defraud me as a customer of XXXX cash payment and the balance of warranty fees. after all my credits and payments my balance should only be XXXX.
Consumer complaint received 2018-03-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

I received a call from a company claiming to be called XXXX XXXX from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a payday loan company Ace Cash Express. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IN)

My wife had been solicited online from a mystery shopper scam. On XX/XX/XXXX I personally took the check {$2800.00} to the branch closest to me chase bank branch location XXXX. The teller XXXX cashbox # XXXX, explained the check may not be available till XX/XX/XXXX but, if you have online banking, you will be able to see if funds are available and you know you can use them.The very next day the funds were made available. We had over seven thousand dollars in the bank and the very next day we had over 10,000 dollars available because of the check clearing! I explained to my wife she could use the funds! She did so immediately to participate in the mystery shopping because we thought it was okay because of the information provided by the teller. We were not desperate for that money because it was evident we had money in bank already.We trusted the expertise of Chase bank being liable verbally and being experts.I arrived home that night from work and the bank had charged us back because the check was no good.My wife contacted the bank manager.XXXX or XXXX said they do make funds available sometime before the check clears. I met with bank manager XX/XX/XXXX and he was high toned and felt they were not responsible in any way with the arbitrarily decision if we see the funds available we could start using them. All the teller had to say was it would not be available to XX/XX/XXXX like it says on the reciept.That was the greater offense.We have banked with Chase bank since at least XX/XX/XXXX and the branches we lived around got to know the people and they would have never treated us like this. They felt some responsibility because they waived the return check fee! I felt they made the money available because we had money in their already and felt if it was a problem it would be on us.I asked XXXX who his boss was and said I ca n't give you his number but XXXX would be calling you.That never happened! Their complaint department called me twice and sent me a letter saying they want to help.I called to this date at least 8-9 times and spoke with two people on different occasion. One person says well it 's a specific person handling your situation. The other time another person says basically the same message and I told her I am going to arbitrators and she says yeah we really ca n't do anything because of fraudsters.
Consumer complaint received 2020-05-22
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)

My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping me.
Consumer complaint received 2020-05-22
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. (FL)

I HAVE LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NV)

I paid off my card with Chase bank {$4000.00}. leaving XXXX balance. Now they want me to pay XXXX {$35.00} XXXX interest a month later. Our agreement is for interest to be paid on remaining balance after each months.
Consumer complaint received 2020-11-22
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: Exeter Finance, LLC. (VA)

Exeter was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on XXXX. Account was paid in full on XX/XX/XXXX and was never late.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Alorica Inc. (AR)

IN XXXX XXXX  SOLD MY XXXX BILL TO SEVERAL COLLECTION AGENCIES AND ALL ARE STILL REPORTING ON MY XXXX, ALL THESE ACCOUNT ARE TIME BARRED AND SOL EXPIRED.SINCE THEN XXXX HAS PUT A FEEZE ON MY FILES AND WON ; T REMOVE UNTIAL YOU SEND THEM A LETTER.
Consumer complaint received 2020-09-05
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. (CA)

On XX/XX/XXXX, I went to a merchant to make purchases on Chase credit card. At that time, I was not aware he was a fake doctor, giving illegal medical advice, and selling products. Later that day, I talked to him on the phone about my finding and returned the products two days later. I contacted Chase Bank to dispute charges at the same time. Chase Bank Dispute Dept. credited my account, so I closed the card in XX/XX/XXXX. But I found the charges came back in XX/XX/XXXXstatement with the new credit card number that I had never received. I called Chase Bank, the supervisor told me the charges were fromXX/XX/XXXX, because the seller told the Bank he did not talk to me, and he was not sure if the products were returned, so he would not refund. It was a lie. But Chase Bank believed and paid him. The supervisor explained they sent me an electronic letter on XX/XX/XXXX to request the proof of returned products. I told her I did not receive the letter at all, otherwise I would have provided all the evidences. Also, I told her I did not have online access to that account anymore at that time because the account was closed. How was I supposed to get the letter she talked about? She said she could not re-open the case because it's passed the timeframe. Then she hung up on me. It was so rude. It's definitely a negligence from the bank since they did not acknowledge or re-verify with me for the fraudster 's charges of total of {$2900.00}. 

I submitted a letter onXX/XX/XXXX to Chase Bank Compliant Escalation with all the evidences I have with the seller including text conversations and proof of returns on XX/XX/XXXX andXX/XX/XXXX. 

I am not going to pay the charges because Chase Bank paid the merchant without my authorization or confirmation. I am requesting that the errors be corrected, that any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of documentation supporting my position and experience. You could see the adjustments made on 4 statements from Chase Bank that had never been correct. 

I have been with Chase Bank for more than 8 years, always been a good customer, receiving good and pleasant services. But now I am shocked and traumatized so I am complaining Chase Bank had a lack of procedures in place that are designed to provide me with rights and protections against fraud, misuse and misrepresentation.
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I received a letter from a collection company ( Jefferson Capital ) that informed me an account from XXXX was sold to them with a debit owed in the amount of {$2800.00} in my name from the year 2017. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact XXXX at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.
Consumer complaint received 2020-11-22
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. (AZ)

Student loan servicer XXXX, and credit bureau Equifax has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with XXXX since XXXX. XXXX is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from XXXX. The loans are reporting late with a {$0.00} balance. 

I have called XXXX several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact Equifax, because Equifax is doing the misreporting. 

I have called Equifax, and have disputed the incorrect late payments with Equifax, but they are stating XXXX is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, Equifax would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the department of Education. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being homeless. Please help me resolve this issue.
Consumer complaint received 2022-01-06
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. (MN)

On XX/XX/2021 I did use Citi bank credit card class a leasing to learn commercial driver license they charge extra {$1600.00}. I ask they you charge me that money. They told me u gone refund but they never do it. I started dispute with Citibank. They send me information from them. They forging my signature. I told Citibank that is not my signature. I dont signed like that.if you see the signature some person signed.
Consumer complaint received 2020-07-04
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: BARCLAYS BANK DELAWARE (CA)

Vendor : XXXX XXXX XXXX : Barclays VISA Uber   Credit Card Transaction Date : XX/XX/XXXX Amount : {$790.00} Planned date of travel : XX/XX/XXXX Panning date of return : XX/XX/XXXX XX/XX/XXXX - Initiated email contact with XXXX  for initial refund, but no response from 2 people due to the COVID-19 pandemic. 

Called XXXX XXXX and confirmed that the flight has been cancelled. 

XX/XX/XXXX - XX/XX/XXXX - Called Barclays VISA Uber credit card customer customer support regarding this dispute and only gave a conditional refund. 

XX/XX/XXXX - XXXX did a rebill and appeared back on the customer credit card. 

XX/XX/XXXX - Called Barclays regarding the transaction and wanted to resolve it but they are refusing email communication and only letters/fax for evidence of cancellation. 

XX/XX/XXXX - XXXX stated that they are not responsible for our refund and that we need to contact the bank - but stated we should receive a refund from XXXX which was very confusing. Called Barclays bank but never picked up ( assumed due to holiday ).
Consumer complaint received 2020-05-21
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)

I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.
Consumer complaint received 2020-11-22
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MS)

I am currently paying student loan payments through FedLoan Servicing. I am applying for public service loan forgiveness. I have have direct federal loans. I initially had student loans through XXXX XXXX. When I submitted my employment certification form, my student loan servicer changed from XXXX XXXX to FedLoan servicing. Fed Loan has only counted my student loan payments paid through their company toward my PSLF. Despite, having 4 years of prior payments that would count toward PSLF made with XXXX XXXX. I have called several times to have my qualifying payment counts corrected. However, it has been well over a year and FedLoan has yet to update my payment count.
Consumer complaint received 2020-07-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kansas Counselors, Inc. (MO)

During the time of the collections, insurance payments took care of them. I was also was laid off from my jobs. Covid-19. The amounts on file from this collection agency changed and are incorrect. I couldn't possibly pay new and incorrect amounts being unemployed. Also, these calls were before XXXX in the morning. Threatening and abusive language was involved on the part of the collection agency. I certainly have no intention of fraud and I don't need or want the so called luxury of lying about it. I can't be hampered by both horrible employers, who're broke and fraudulent themselves, along with an abusive employee of a collection agency. There's no way on earth. I took action on XX/XX/XXXX and on XX/XX/XXXX. I politely told them to stop calling me. I've had an experience with a collection agency which hounded me in the past. I paid them in full and they were abusive and called constantly. This is a new scenario. This debt collection agency hounds me. I had had their collections removed. But not on all sites. Disputes have been made. Investigations are pending all across the board. Those were done again today : XX/XX/XXXX. I'm a XXXX XXXX XXXX in good standing. These collections are inaccurate and need to be removed. I pay my debts in full. I need this problem to be resolved with your help.
Consumer complaint received 2020-09-05
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: WELLS FARGO & COMPANY (CA)

I disputed wellsfargos incorrect negative information and in doing so XXXX allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.