davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I submitted a payment in full for an account administered by Synchrony Financial for a 0 % APR loan from XXXX ( a company that sells musical instruments ). My account was marked " closed. '' However, I noticed in XXXX that I was still being charged monthly for the account, even though it said it was closed. I contacted customer service and was assured that the account was closed and I was no longer being charged. Today ( XX/XX/XXXX ) I noticed that I have in fact been charged monthly since XXXX, even though the account continues to be marked " closed. '' I contacted customer service today, and they informed me that my payment on XX/XX/XXXX had been rejected. Therefore, they had raised my APR to 29.99 % and begun charging me monthly minimum payments at that rate since then. I was never informed of this decision, and in fact was even reassured by customer service. I also did not agree to make automatic minimum payments on this account.
Consumer complaint received 2023-08-09
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. (NY)

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX ( personal loan payment ) has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1666 B my late payment was in fact a billing era
Consumer complaint received 2021-03-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (VA)

Took out a private loan of XXXX for a XX/XX/XXXX through XX/XX/XXXXXXXX to enhance my career. Once clsss was over the pandemic was in full force so unable to secure job that I had planned on to repay loan as needed. Have contacted them several times to try to setup a payment plan to resolve but no response. Affecting my credit score monthly and I am suffering bc this is ONLY item on credit that is in default. Now its in collections and still no help from company.
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: CSO Financial (OR)

I received a copy of a writ of garnishment from XXXX XXXX XXXX XXXX that was issued from CSO Financial. I had no idea that CSO financial had a judgment against me. A few days after receiving the copy from XXXX XXXX, I got a Validation Notice from CSO Financial, stating that I should dispute within 30 days and they would obtain copy of the judgment and if there was no dispute they would assume the debt was vaild. A few days after that, within the 30 days, I received a Writ of Garnishment from CSO Financial, which states I can not dispute the validty of the debt but can only challenge the Garnishment. 
I tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.
Consumer complaint received 2016-11-18
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

2 separate accounts we have with merchant for 2 separate businesses were shut down with no notice and reversed all transactions.

There is no phone support for merchant.

Online merchant support says will respond in 2 business days. Its been over 3 weeks with zero response.

Additionally nearly 100 % of our payees have faced similar issues.
Consumer complaint received 2023-08-09
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. (PA)

Good day, I received fruadalent charges from XXXX in XX/XX/XXXX I have been disputing the card charges with the company. they continue to add late fees and remove fees but the core of the issue doesnt gets resolved which is the actual charge of {$59.00} They have destroyed my credt scor by XXXX points, I have closed the account I continue to reach out to both Wayfair and CIti but the are not responding to the correction even when I received notification that the card company has completed the investigation and have come to the conclusion that the charges are fraud as of XX/XX/XXXX i have attacched the letter in this complant, but as of today the charges are still remaining on the account requesting paymenr. I like this matter removed from my credit and score.
Consumer complaint received 2023-08-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (SC)

My complaint is for MR Cooper. I originally applied for the modification on XX/XX/XXXX I received a notice on XX/XX/XXXX that i was missing documents I sent the missing docs on XX/XX/XXXX and on XXXX I received the complete acknowledgement letter stating that my package was deemed complete and they were going to evaluate in 30 days. They then told me ( never received a letter ) on XXXX that I was missing a document I provided the document and Mr Cooper XXXX acknowledge the doc until 20 days letter and that was only because I told them I was going to file a complaint with the cfpb they proceeded to send another complete acknowledgement letter deeming my application complete on XX/XX/XXXX I guess that was to cover themselves because BY LAW they have 30 days to evaluate once the documents are received I was XXXX payment past due when I originally applied and I am now XXXX payments behind my plan is to reach out to my stte attorney general with these letters because they have exceeded the timefram with my request please see attachmennts as well
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (IN)

XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 On these dates, the company contacted me regarding a medical debt. I told them i am not verifying anything, send me the itemized bill and the have not. I told them to stop contacting me and they keep calling. 
They keep calling from XXXX
Consumer complaint received 2023-08-09
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. (NJ)

I should be owed 7000 to 8000 points for my Chase Sapphire Preferred Anniversary Bonus. I had the card for over 1 year, and then I did a product change to a Chase Sapphire Reserve. 

However I was told that I was not eligible for the Anniversary Bonus because I no longer had the card during the benefit period. This is not listed in your Terms and Conditions as described here, on page 2 : https : //static.chasecdn.com/content/dam/card/rulesregulations/en/RPA0444_0477.pdf " To qualify for the 10 % anniversary points bonus each account anniversary year, your account must be open and not in default, as defined in your Cardmember Agreement, at the time of fulfillment. '' I fulfilled the requirements as stated. My credit account was not closed, not in default, and in good standing. 

I am a loyal customer and insulted that I am being nickeled and dimed over this. 

I advise you to update your terms and conditions if you want to continue screwing over customers like this. I am strongly considering moving all of my assets to different institution pending the action of this complaint. 

Thanks, XXXX XXXX
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

My mortgage was sold to this company, not by my choice. I had a bounced payment and due to this I not longer have access to online payments. I have to get a certified check from my bank and then mail to the mortgage company - for 6 months!! The company never told me this would be the punishment nor is there a policy in place for this. I was told this is the way the accounting department handles this - there is no policy. Therefore my payment will always be late - I get paid before the XXXX of every month, go to the bank, get the check mail it off from XXXX to XXXX and it will always be late because of the distance the check has to travel. What company arbitrarily makes up rules about penalizing a late payment without a policy and procedure in place. I have no paperwork from this company and I was never told this would happen until I called and asked about not being able to access my account on line - THEN I was told - no you have to send us a certified check for 6 months!!
Consumer complaint received 2023-08-09
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/2023, initiated a product change from Citi Premier to Citi Custom Cash card. The snnual fee of {$95.00} for Premier card was said to be refunded within 7-10 days, since Custom Cash card has no annual fee and the change mafe within 30 days of the fee posting ( XX/XX/XXXX ). A chat inquiry on XXXX XX/XX/XXXX informed me that the refund would occur on XXXX XXXX far longer than 7-10 businesses days.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

It is really sad that in times of Crisis due to the COVID19, Strangers help each other, Corporations provide assistance, but I work on a " FULL COVED19 UNIT '' @ a Hospital in FL, ON THE XX/XX/2020 my Card was Lost/stolen, someone took {$440.00} from my Checking, and REGIONS send me a letter saying they investigated and they are not giving me a cent of my loss Money. I put my Life at risk every time I go to Work because I need to pay my Bills, a Bank is suppose to Protect your money.
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

First The Government, toke my taxes returns, in XX/XX/XXXX and paid the debt that I did owe off, Now I am receiving a letters from Company call Transworld Inc to my home address from a third party linking my information out such as my home address Name Credit information. This company is asking for more money off the debt I paid off and with an XXXX dollar more interest on the amount I paid in XX/XX/XXXX, saying its from Interest. The company I owed a debt too was paid off in XX/XX/XXXX. Currently showing close and paid. Now a Transworld Systems Inc is trying to get more money out of me. This is crazy I changed job and my information was stolen from my current job, We all received a letter telling us our identity has been stolen. This has to stop!
Consumer complaint received 2015-11-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK (NJ)

I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed.
Consumer complaint received 2023-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (OH)

I keep getting harassed by Ally Financial saying that I owe money for a XXXX XXXXXXXX. Then after I talk to them they call my other and ask for one of my sons. I have asked them to stop and they just keep calling
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

This account is inaccurate and an FCRA violation. CREDIT COLLECTION SVCS # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (MA)

In XX/XX/XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number ends in XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce. Onoe is supposed to be able to simply link the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. In XX/XX/XXXX I tried to do an online transfer of XXXX of my points and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX ET, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the points would be available " soon. '' She could not tell me anything else. I waited. Today I tried to transfer XXXX MR points to one of my linked accounts online and got the same error. It also came with error code : code : XXXX. Online chat is unable to help, further phone calls will result in longer waiting and no real answers, and in the meantime, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points held up by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

None of these catagories fit my problem. I have a collection from a credit card company, XXXX, of XXXX. I also have a collection company, midland funding, with the same bill, That means I have XXXX negative entries for XXXX debt. i find this absurb that this can be done,. I only found out because of other mistakes on my report that i was having fixed and just happened to see these XXXX entries one right after the other. Surely this is illegal,
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OK)

I received a 0 % percent interest balance transfer offer from Discover Card which is valid for six months. I chose the direct deposit transfer option into my personal checking account rather than transferring a different XXXX card balance to my Discover Card. Both options were offered and I chose direct deposit on XX/XX/2023 ( XXXX weeks ago ). I provided my bank routing number and account number and have never received the {$29000.00} deposit. I have called Discover over a dozen times in the past XXXX weeks and I have no resolution. This has severely damaged my credit rating by dropping my XXXX  score more than 60 points which has impacted my financing for a new vehicle. Ive requested that Discover cancel the transaction altogether and they said they could but warned I would still be responsible for the 1.5 % transfer fee of nearly {$1500.00} which is criminal after their inability to send me the money charges or my credit card. How is this legal to charge me for something I never received and not resolve it after XXXX weeks?
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Starmark Financial LLC (TN)

During my first conversation with XXXX from XXXX XXXX. He contacted me about a debt that I originally paid in full to a lending company ( XXXX ). When I explained to the agent that this was inaccurate, because I paid that debt in XXXX of XXXX, the agent began to tell me that I hadn't paid the debt. He said " I'm looking at the debt so it wasn't paid, I'm an attorney for XXXX Bank and you owe my client this money '' I told him that I paid in full to XXXX and I don't know who he is or what he wants. He went on to tell me that I just need to pay him because he has never heard of XXXX. I told him I've never heard XXXX XXXX XXXX Bank or whatever company he was calling from. I continued to tell him that I paid that debt in 2022, and I verifiedthat with XXXX customer service. He told me well you can't believe what customer service tells you. Then he did if you paid them where the proof send me the bank statement or transaction. He transferred me to someone he claimed was a manager who then asked me to email him my bank statement. Mind you I already told them I have no idea who they are and no one from this company has sent me any written requests for payment.