davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I took a credit with Synchronicity Bank and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free. 

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (TX)

I setup and account with AXOS bank less than 30 days ago. I then did a photo deposit of a check. I waited for a few days for it to clear. When it did not clear I called and was told that it would be released on Monday XXXX. I waited for Monday and the money was not available. So I called in once again and was told that the funds would be available by XXXX XXXX  CST. So I then waited until XXXX XXXX  CST and the funds had not been released. SO I then called again. I was then told oh I am sorry they were wrong in what they told you. It will be XXXX PST before the funds will be released. SO AGAin I waited until XXXX XXXX  PST and guess what the funds had not been released. SO I called again ad got a 3rd time the monies would be released. This time I was told XXXX PST ... 

I am feeling like either I am being lied to or that they have very poor training and no one has the ability to tell time. I will again be waiting until Midnight XXXX and see if the funds are to be released.. 

Side note the bank was gracious enough " as a courtesy " Release a {$1000.00} at the XXXX XXXX  CST time call. Also if find it very interesting that they dont have a supervisor available to talk to a customer when they have been treated so poorly.. AFter I pushed the issue and put on hold, I was told that I talked to my supervisor and they will call you back in 1 to 2 Business days. Really ... So they do have a supervisor available but not for customers. 

this a correspondance from their online response center.. 
XXXX - Axos  XX/XX/2020 @ XXXX XXXX  Hello XXXX XXXX, Thank you for contacting Axos Bank. I hope you are having a wonderful day! I am happy to assist you with your inquiry. After reviewing your account, please provide us with proof that funds have cleared the other financial institution and then we will be able to submit a request to release funds. Again we apologize for the inconvenience this may have caused you. We really appreciate your business and patience through these unprecedented times. If you have additional questions please let us know. 



We appreciate your business and commit to providing superior banking products, support and services. 



Best Regards, XXXX Axos Bank Customer Service If this person can release the funds so should someone else.
Consumer complaint received 2020-07-13
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)

Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (VT)

I was an inpatient from XX/XX/2019 - XX/XX/2019 and under the responsibility of XXXX XXXX XXXX at the time any charges on my discover card was incurred i am not responsible for the debt.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CO)

Deposited {$3000.00} via ACH from my XXXX XXXX XXXX to my netspend account, as well as other cash deposits. This took place XXXX of XXXX. After a few months of not using my account I called to close it. Netspend representatives agreed to close it and send me a check of my balance which was my initial ach deposit plus money from my other cash deposits. I was never sent a check and my card was cancelled, giving me no way to access my funds. Months of calling and I was finally able to reach a representative who would help me named XXXX. On XX/XX/XXXX she reportedly arranged to have netspend ach transfer me back my initial {$3000.00} deposit. The money never reached my account and now netspend is saying the transfer was successfully completed. I have spoken to my bank XXXX XXXX about this and they have told me to take legal action as no incoming transfers to my bank took place. Netspend has taken over {$3000.00} of my money. I have given them 5 months to return my money and hours of calling with no success, the only other option is legal action now.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

On XX/X/2017, I wired {$5000.00} from my bank to Coinbase/XXXX to have the money credited to my account. As of today, the money has still not been posted and the company has been non-responsive after multiple attempts. 

The XXXX for the wire transfer is : XXXX
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (AZ)

XX/XX/2019 my husband XXXX XXXX XXXX applied for Apple Credit Card and was approved at approx 11 % interest with XXXX limit. I went on 5 minutes later and was approved for 23 % interest with a $ XXXX limit. We are a small business owner and have same credit debts. Why would my interest be so much higher and my credit limit be so much lower than my husband.
Consumer complaint received 2021-11-03
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXXXX/XX/XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  - XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (WV)

PNC Bank has changed their policies disallowing their customers to link their bank accounts to investment portfolio services such as XXXX and XXXX. They don't reserve the right to prevent me from funding my investment portfolio when they themselves don't offer services to invest my money into stocks and bonds.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CO)

Ally Financial keeps upping my total balance due. 

In 2019 my total balance due was {$3800.00}. Than in XXXX of this year my total balance on the account was {$4100.00}. Now I went to go make another payment and no wmy balance is back up to {$5000.00}. 

Ally Financial has no transparency on the online platform to show how my total balance keep rising on a regular basis. 

I have all records of payments and no answers to why they keep raising my total balance on my car loan.
Consumer complaint received 2020-11-30
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: U.S. BANCORP (TN)

On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo Bank- I opened a new account and the offer was that if I direct deposited {$2000.00} within 90 days, I would receive a {$200.00} bonus. 

I did what I was supposed to do, based on how I understood this offer, but was later told by Wells Fargo that my original {$25.00} deposit does not count toward to {$2000.00} and that I subsequently only made {$1900.00} in direct deposits. 

I believe I acted in good faith and was mislead in how this was worded and explained to me during account opening. I am just requesting that Wells Fargo honor the bonus offer I was promised and also act in good faith. 

Can you please approve my {$200.00} bonus? Thank you very much.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (MA)

In XXXX I leased a XXXX XXXX XXXX from XXXX my payment was taken directly from my account on the XXXX of each month. In XXXX I found out that my credit score was down by 44 points. I never missed a payment/ bee late. In XXXX I opened one of my statements and saw an amount to be paid. I called and a female employee told me to ignore bc I am leasing, even though she told me she is new, so when I get the statement I just thread them. I am paying XXXX every month to solve this problem so that I can get my points back and clear the bad score and they keep asking me for more information. Surprisingly today I spoke with a manager and she asked me for more information and when I asked her what other information she need so told me no more information is needed from me. I asked why didnt I get a phone call from the company they told me they did not have a number which that was a big lie bc my cell and job # was on my application. It has been 16 months and nothing is been done. I am conducting a new XXXX and bc of that report I am about to get turned down if I can not give a deletion letter.
Consumer complaint received 2021-11-03
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: I.C. System, Inc. (OR)

This is a new collection account ( see attached ) that popped up when my mortgage lender was finalizing documents for my home purchase. My father and I share the same name ( Jr/Sr ). Both of us have spent countless hours on the phone with both IC Systems and XXXX XXXX XXXX attempting to get this resolved. Both places just point the finger at the other. This is NOT my debt. It is possibly my father 's, but IC Systems has been unable or unwilling to provide documentation of what this account is linked to. 
I have disputed this with XXXX and all 3 credit bureaus. I have filed complaints with both XXXX  and the Department of Justice. 
I do not have 30 days to wait for this dispute to get resolved via the normal pathway. In May, I started the process of having a home constructed. That home is now done and it is supposed to close in 10 days. This collection account has TANKED my credit score and I am no longer eligible for the mortgage loan. We are talking tens of THOUSANDS of dollars of loss because of a fraudulent/erroneous account. 
IC Systems is aware this is not my debt, but refuses to remove the collection or actually attribute it to the correct person.
Consumer complaint received 2021-01-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have been disputing with Equifax for over six months and I have received any information regarding this incorrect information. I have proven that these accounts are inaccurate and Equifax continues to report on my Credit. This is ruining my life.
Consumer complaint received 2021-10-06
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$680.00}
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (NV)

I am 100 % XXXX veteran and my loan interest has not changed since before I joined the military. I am curious why Im paying loan debt still, President Trump passed a bill for XXXX veterans to get their student loan debts waived.
Consumer complaint received 2017-12-13
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. (FL)

RE : Remaining items To whom it may concern : XX/XX/XXXXThis letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1.  XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. SYNCB/JCP 4.  XXXX Sincerely XXXX XXXX
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

I had 3 credit card accounts with Chase. On XX/XX/2020, I made a {$330.00} payment to one of my cards. However, I miscalculated other expenses drawing on that account and when the payment posted, there was not enough money in the account. The payment bounced. On noticing this, I made a new payment of {$200.00}, which successfully posted on XX/XX/2020. 

On XX/XX/2020, the bank reattempted the missed payment and it bounced again. I did not know the payment was going to be reattempted. 

On XX/XX/XXXX or XX/XX/XXXX, I logged into my online account and saw that all 3 of my cards were marked as closed. I called customer service and they explained that this was due to the returned payment issue and stated they had sent me a letter. They indicated there was no reinstatement available. 

I am a regular user of all 3 cards and I always make on-time payments and nearly always pay off my card in full.

I live overseas and do not receive my mail on time, so I don't know when this letter Chase references may have been sent. I do know that in this day and age it is only reasonable to provide a message notification in the online portal as well. Chase also should have provided a warning that another returned payment would result in closure of the account, and either advised me that they would close ALL my accounts or only closed the one at issue. The sudden closure of all 3 accounts with no warning is unfair, as is the lack of ability to dispute the issue internally -- the customer service supervisor told me that when the bank closes the account the decision is always final.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. Please help!
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (WA)

I received my unemployment on my NetSpend card I have for weeks and weeks it's never been an issue for me to get it don't have a card attached it and have tried several times to have a card sent to me they keep saying it's delivered yet my mother 's address has not received any NetSpend cards so every week I have to call and transfer money to a different NetSpend account I have that has a card attached to it this is never been a problem now all of the sudden because I had a disagreement with somebody in their call center I have to verify my identity I sent them a state issued valid identification card with the address matching my account any entire tax return from 2019 with my full social security number displayed as well as a bank statement with matching address as well still they refuse to give me access to my money I've given who I am they know without a doubt is my money so why does my address have anything to do with giving me my money the government put that money on there for me and somehow they think they can keep it please help me to resolve this issue without having to wait 2 weeks for a check in the mail when my bills were due yesterday thank you also, the card number I provided is actually the account number.
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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

My name is XXXX XXXX XXXX the dispute is with for CHASE ACCT #. XXXX XXXX XXXX XXXX XXXX : On XX/XX/2021, A man called me on my cell phone identifying himself as a member of the Chase Fraud department, said that my card was in danger of fraud and he needed to confirm some information, asked me my name, confirmed my address and my cell number., he mentioned about my other credit cards as well, he needed to do the same., I became suspicious of the call and hang up,. I immediately called the back of Chase Card number and REPORTED the suspicious call, requested a payment stop for any purchases on the account and asked for the card to be canceled. Things seemed to be normal, My card was canceled and replaced by another one within a couple of weeks. For the next month, I received the monthly bill with two charges done on the day mentioned above : the charges were done by these merchants 1. XXXX XXXX XXXX XXXX The amounts rounds up to about 6.000 thousand dollars for both charges., I have asked CHASE FRAUD numerous times to drop the charges because I was a victim of a fraud, but they insist that the charges were legit, that they emailed me about the charges being done, but the email address was not current., they did not called me to my cell phone or texted. They have limited themselves to send me a letter, confirming the charges and nothing else.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

XXXX XXXX XXXX sent supposed bill to ERC Collections. I supposedly owe XXXX XXXX XXXX {$510.00}. Although I do have a phone, I am on a Family Plan and not the person of paying the bill. I do not have thi8s account and want this false charge removed from my credit score, and for them to stop charging me.