davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Freedom Unlimited credit card in XXXX. The bonus offer was XXXX cash rewards after spending XXXX dollars in the first 3 months. I reached the requirement in less than 2 months. I didn't see the bonus offer appear in my account so I contacted the Chase customer service team. I files a claim and waited two weeks without a response. Finally I called again and was told there is nothing they can do about the situation. The only reason I signed up for the credit card was to receive the bonus offer and I could have saved those XXXX dollars I spent in order to receive the bonus offer. 
All in all I was cheated out of XXXX bonus and the credit card is now ruining my credit score by closing my account. I would rather not do business with a shady credit card company but they are still putting a closed account on my credit report which is really affecting me negatively. the customer service also admitted that they have many offers on many different websites so they don't know which bonus offer is even true. They admitted to falsely promoting a credit card bonus and I have a recording of it.
Consumer complaint received 2019-10-12
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Unisa, Inc ()

XXXX College of XXXX was paid directly since graduation for a Perkins Loan. The parent company kept reporting late pays on my credit report because of their slow processing. The loan had never been sent a late payment as every payment has been made on the XXXX of each month via Bill Pay from my bank. The loan is now being paid directly to the Lean Holder, UNISAINC. I have spoken to XXXX College in the past, and nothing has been resolved. I am, unfortunately, at the point of retaining legal counsel to deal with this loan. It is not my wish, but I am now forced to seek such action.
Consumer complaint received 2022-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (CA)

Saturday XX/XX/XXXX, I tried to make my regular car payment to Westlake Financial Services ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) for the second time after the maturity date of the loan on XX/XX/XXXX. 

The payment made XX/XX/XXXX was received no issue, but today it said immediate action required and would not take payment online at www.westlakefinancial.com So I called and found out the previous 5 phone calls over a year apart first starting in XX/XX/XXXX The representatives of Westlake Financial knowingly lied about my loan maturity plan and assured my Husband and I that the car would not go out for repossession as long as we made our payments before the due date at the end of the loan and that no more fees or interest would be charged. 

When called this morning XX/XX/XXXX they said the account was 60 days past due and the vehicle was out for repossession because the maturity plan was never authorized by unknown " managers ''. 

So today the " gentleman '' that answered the phone at Westlake Financial tried to extort me for {$500.00} to resubmit the loan maturity plan that may or may not get approved now even though they repeatedly told us not to worry about this EXACT Scenario. 

This company is a scam I have found out the hard way, my car is a XXXX XXXX XXXX bought used with XXXX miles. Screwed on 29 % APR and some how after all the fees they charge we owe {$13000.00} at the end of the loan. The car has been paid for 7 years and over double the price paid for the car, and every time you call they just seem to lie. 

Especially looking at the reviews I don't know how they are still in business. Some of the transaction records show {$490.00} applied to interest and {$0.00} applied to principle of the loan
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Co LLC (TN)

Debt Co XXXX has placed a collections account on my XXXX and XXXX credit reports as a collection account, This company is not licensed in TN as a collection agency, I was not notified by this company that I had an account with them, or given the opportunity to dispute this debt prior to it being added to my credit report, This Account was listed as a New debt with incomplete information on account payment history and date of delinquent payment Debt Co XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX Appointments : XXXX
Consumer complaint received 2021-12-01
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. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions (TX)

on XX/XX/22 i received a call from rent recovery where i spoke to XXXX and advised him to stop contacting me and i was paying the debt directly to the creditor and not this collection agency but he advised me i could not do that which is a lie because i spoke to the original creditor and was advised i could. He then proceeded to call more than 2 a day and up to 5 times per week, even after being asked to stop contacting me, he is still continuously harassing me with multiple phone calls a day. 

on XX/XX/22 he called 3 times that day on XX/XX/22 he called 2 times on XX/XX/22 he called 2 times he is calling way more then 1 time every 7 days and is XXXX me daily.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc. (CA)

I've repeatedly attempted to contact this company to make payments or connect a different bank so I can make payments. I first sent a support request on XX/XX/XXXX where I received an auto-reply that I would be contacted within 2 business days. I reached out again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same auto-reply and no response. My payment is now late due to their lack of response and it will affect my credit. Due to their lack of communication, I believe this company to be fraudulent.
Consumer complaint received 2022-10-16
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. (SC)

Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-08-13
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-03
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. (GA)

I've tried to review my credit report with all three credit bureaus and the only one I'm having success with is XXXX. XXXX and Equifax will not allow me to review my credit report or file online. I provided correct information when verifying who I am and its still not working, I have sent identification, ssn information, utility bill to XXXX and Equifax. These two companies are not following the rules. Also, I requested in writing to have ALL the fraud alerts removed from my credit file immediately and it has not happened. I would like for this to happen immediately. Please and thanks
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX, I attempted to make a loan request with Synchrony Bank to purchase a XXXX XXXX XXXX phone through the XXXX store. The process bugged and it would not let me purchase the phone with the account. So I was forced to purchase the phone with my debit card. On the same day I called Synchrony Bank customer support to close the account. They confirmed with me that they closed the account. This is reflected on my credit report. 

Since then they have been hounding me with emails and physical mail about owing {$27.00} on an account that I have with them. They told me I no longer had an account with them. I called them a few times in early XXXX to close this account and confirm I owed them nothing. Customer support with Synchrony confirmed with me that I do not owe them anything. 

However they continued to harass me about payment. By request from their customer support, I sent them a fax on XX/XX/XXXX or XXXX XXXX with proof of my purchase with my own debit card. My credit report says my account with them is closed. Yet they continue to insist I owe them. I did not get a response to my cease and desist. 

In the last few months they have hit my credit score with purported " late payments '' on an account that is not mine.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

I have requested removal of the mortgage insurance payment from my loan due to having well under 80 % XXXX in my home. This is the information I sent to BSI Financial, my mortgage holder on XX/XX/2022 -- -- -- -- - This letter is to request the removal of the mortgage insurance on my loan. I have made XXXX on-time payments and the loan has seasoned 2 years. The appraisal of the home at the time of purchase, which is in your file, indicates an appraised value of {$330000.00}. The principal balance of my loan is {$250000.00}. Which is 77 % of the appraised value. 

I have also included our county property appraiser 's office market value report showing a current market value of {$380000.00} as supporting evidence of current market value. My current loan to value ratio based on this is 66 %. 

Please remove the mortgage insurance payment from my account. 
-- -- -- - I received a denial letter dated XX/XX/2022. ( More than 30 days of my request. ) I had also explained to the lender that I could only put 10 % down at the time of purchase because I needed to reserve {$40000.00} cash to make immediate improvements to the property after closing. 

I just received my 2022 property tax statement from XXXX XXXX, FL taxing authority showing the market value of my home to be {$440000.00}. ( I will attach. ) I think BSI Financial is unfairly retaining the mortgage insurance on my mortgage loan.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I noticed inaccurate information was reporting to my credit profile. I sent notice to all 3 bureaus in XX/XX/2022 have not received a response in over 30 days.
Consumer complaint received 2022-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma (TX)

Im a member of Credit Karma. I went to my account and it showed I was preapproved for a personal loan with a company by the name of XXXX. My approval rating was outstanding along with the preapproval. 

I filled out the application, even added my bank information for automatic payments on the loan. I received an email immediately afterwards stating my loan was cancelled and I was denied. 

I immediately got emails from my credit monitoring companies that there was a hard inquiry. My credit suffered another drop immediately. I feel that I was misled by Credit Karma. I am very upset because Im currently trying to rebuild my credit.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Equifax basically never lets me check my score, and I submitted a dispute with them about a derogatory account I saw was ONLY on my Equifax report ( I saw on a third party credit monitoring website since Equifax won't let me in ). I've tried calling Equifax, per the suggestion on their website, but the woman on the phone at Equifax said their " systems were down '', so I waited a few days to see what was happening with the dispute since they keep emailing me a Dispute confirmation number. I keep attempting a login, because apparently having a form where you just type in your dispute number would be just too easy for consumers, am I right? Got ta make it hard on us consumers, right? Well anyway. Their site keeps saying they can't help me online. You've GOT to be kidding me. This is not FAIR to me, as I know all of the questions I'm answering are accurate. What is wrong with Equifax? Both XXXX  and XXXX are amazing, but Equifax needs to stop being a rude company and just let me see my XXXX  dispute results for goodness sake!
Consumer complaint received 2022-04-20
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-12-01
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-12-24
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. (OK)

I got charged twice by XXXX XXXX XXXX  in XXXX for services. I contacted my credit Card Company Citi-Cards to get one of the charges refunded. I also contacted XXXX stating that I got charged twice. XXXX has told me they have refunded one of the charges on XX/XX/XXXX, as of today I do not see a refund on my credit card account online. I am enclosing letters from XXXX confirming that they have refunded the charge. I have talked to the dispute department with Citibank but I am not getting anywhere they keep telling me that they are investigating. I first requested a refund in XX/XX/2018.
Consumer complaint received 2022-04-20
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

I would like to file a complaint against synchrony bank. My Synchrony bank credit card was initially {$1200.00}. I paid it down to {$900.00} dollars. In XX/XX/XXXX. I lost my job due to COVID-19. I continued pay synchrony bank using my savings account. My minimum amount due was {$20.00}. In XX/XX/XXXX my payment was late. I contacted synchrony bank and advised them that I lost my job due to Covid-19. I requested that the late fee be removed and was told it had to be sent to a supervisor. In XX/XX/XXXX, I depleted my savings account and was unable to make a payment to synchrony bank. In XX/XX/XXXX, I made my regular {$20.00} payment. I was told that I did not make the full payment, and now I owed an additional {$60.00} plus late fees. I requested to speak to a supervisor. I explained again to the supervisor that I called in and reported that I lost my job and I want it all late fees removed. The supervisor told me that they only offered a courtesy for the removal of one late fee and that I still owe old late fees for XX/XX/XXXX. She advised late fees would continue to increase by levels if not paid. On XX/XX/XXXX I called to settle my account with synchrony bank. One rep said I owed {$340.00} in late fees starting from XX/XX/XXXX. Another rep said that I owed {$340.00} in interest payments. I explain to her that the account is interest free until XXXX. I spoke with XXXX XXXX employee ID number XXXX. She explained that I should have been offered at least a three month forbearance. I questioned why I was not offered the forbearance after notifying two representatives and one supervisor that I lost my job. XXXX was able to locate calls where I notified reps that I lost my job due to Covid-19. XXXX stated she did not know why forbearance was not offered. She advised me that my account balance is {$1200.00}. This amount includes {$900.00} balance plus late fees dated back to XX/XX/XXXX.
Consumer complaint received 2021-12-01
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: CITIBANK, N.A. (MI)

i have contacted all 3 credit bureaus as well as XXXX MACYS 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For business purpose, I sent a tranfer from my XXXX  bussines account to XXXX XXXX 's Bank of America account on XX/XX/XXXX XXXX. The wire tranfers was received in Banck of America but it did go through to XXXX 's Account, it is on pending status in Bank Of America. I have been waiting for two months for this issuse to be resolved. The amount is {$12000.00}. I have called many times and they just said it's in pending status. The wire tranfer was canceled ending XXXX, and Bank of America has not sent my money back. This is urgent for my because its my money, I need to pay my bills and it is ilegal to appropriate others money.