davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (OK)

I replaced my XXXX lease of a XXXX XXXX with a XXXX XXXX XXXX. During the process of this transaction Hyundai has recorded that I was late for payments on the XXXX lease that I was not responsible for paying because I had traded the XXXX car in for a XXXX. It has impacted my credit score with XXXX and XXXX. I need Hyundai to correct the late payments on my credit bureau, I have never been late for any payments with Hyundai.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CO)

I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to {$9000.00}. I am applying for cards as a member of the XXXX using them to travel. As a XXXX member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (IN)

I was offered a credit card product that would serve as an overdraft protection option for my checking account. The program was offered at an introductory rate of 2.9 % and after the initial 6 month period would increase to the typical rate of 12.24 %. Instead of increasing to 12.24 % it went to 19.49 %. To summarize the impact what I ended up being charged was {$2200.00} in interest vs. {$1500.00}. So at the end of the day I 'm legitimately liable for the {$1500.00} and this is what I agreed to pay Chase. What makes this scenario worse is that I did n't realize they were only taking out the monthly minimum when I had more than enough cash in the account to cover the full balance. While it 's my fault for not noticing this fact earlier I could have paid far less than the {$1500.00}. I have since paid of all the principal balance on the account plus the {$1500.00} in interest. I have asked Chase on numerous occasions to credit my account for the remaining balance as a gesture of good will and to bring the overall annualized interest down to a reasonable 12.24 %. Even though I have filed a formal dispute with Chase they are now dinging my credit report. Despite my 20+ year history with Chase as a " valued '' customer the insist they are unable to credit my account for the overcharged interest. I will soon be closing my accounts with Chase in exchange for a local bank who truly values their customers.
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank is using the debt collection service of XXXX XXXX XXXX to collect a debt that is being paid and not reported or verified correctly to credit reporting agencies. My prior CFPB complaint against XXXX XXXX XXXX was referred to the FTC and XXXX XXXX XXXX by the CFPB for further investigation - findings and documents attached.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (GA)

I HAVE A CITIBANK CREDIT CARD.TODAY, I WAS TRYING TO CONTACT CUSTOMER SERVICE. FIRST CALL WENT TO XXXX, THEN IN U.S.A., BOTH WERE NOT CO-OPERATIVE AT ALL. THE CUSTOMER SERVICE IS HORRIBLE, AL THOUGH I SPENT MORE THAN 30 MINS ON THIS CALL. I WAS REQUESTING FOR MY ACCOUNT STATEMENT FOR XX/XX/XXXX BUT THEY DENIED TO DO SO.CITIBANK HAS NO RESPECT FOR CUSTOMER
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I opened a Smartly Checking account online with US Bank. I need a new bank as I was closing the account at my old bank. Direct deposit was set up, I went into the closest branch and was assisted in ordering checks and my debit card as well as was given a temporary debit card. The next week my direct deposit went into the account and I assumed everything was business a usual. 
On XX/XX/XXXX, my debit card stopped working. Each time I tried to use it, it would say declined. I had money in the bank, but no access to it. I contacted US bank and had no luck finding anything out and was told to contact XXXX XXXX for information. After getting no response from XXXX XXXX, I contacted US bank again on XXXX and after being transferred numerous times, I was finally transferred to a kind helpful lady who found out there was a couple of holds on my account and it was set to be closed. I had received no notice or anything about this. The way I found out is when my card quit working. Not a good way to do business. 
On XX/XX/XXXX, my account was closed and the branch XXXX of the closest branch opened a new account for me. Knowing my direct deposit was coming through the morning of XX/XX/XXXX, she put it a re-route for it to go into the new account and told me that it would be XXXX hours to get it. 
Then on XX/XX/XXXX, the fraud department XXXX access to my online account with no notice or reason. This would be another XXXX hours before I can see my account. Us Bank is also stating that they have no knowledge of my direct deposit being re-routed either. My company says it has not returned as of yet, so Im out of luck! 
Knowing my deposit was coming in, US BankXXXX XXXX XXXX XXXX until Friday to close the account, they had to close it Thursday. I called trying to find out if they could tell me when it would drop because I have no access to any money since this new account has been opened and they dont even see my money. At this point, I feel like US Bank has stolen my funds since they have XXXX my access to see anything either. 
I shouldve been notified in both instances and was not. This has been a complete inconvenience and frustration due to me having been without money, unable to provide for my household or put gas in my vehicle. 
I called back this evening and spoke to another customer service representative who said he did not see any direct deposit, but we can hope it will show up Monday night to be deposited Tuesday morning. He also said I can contact online services on Monday if my account is still XXXX. 
If a department is going to disable an account on a Friday, there should be a representative who can speak to you over the weekend to get it resolved. I feel like US Bank has failed me and has no desire to resolve this issue as they keep telling me there is no one I can talk to until Monday and when I asked for a XXXX, I was told they could not take the call but would contact me XXXX did not happen either.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

I have a Synchrony Bank Care Credit card and my balance consists of different purchases at different rates. I made a payment to pay off a 6 month no interest purchase and called the bank to allocate the payment to that purchase and the bank refused to do it. They said the minimum payment on my other purchase had to be satisfied even though it was not even due yet.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (WI)

A while back I enrolled in a debt counseling program to pay my credit cards. That did not work out. I then went back to paying them on my own. Synchrony Bank/Dicks ( account no XXXX ) went back and charged all these interest fees and late fees. I have been trying to get caught up with them. I have a {$87.00} payment scheduled for XXXX XXXX. They then want another payment of {$54.00} by XXXX XXXX or will charge another late fee. They continue to push me farther and farther in debt with them
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (NC)

On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (UT)

First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I got a call from XXXX at Transworld Services at XXXX. Said my daughter owed money for a XXXX for contractor work. Checked and the XXXX is several states away and has no file on my daughter. Furthermore, my daughter is XXXX years old and mute and therefore can not order anything. Told this to " XXXX '' and she was adamant about getting my information to pay this imaginary dept. I asked if I could contact her and she gave me a different number : XXXX.
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XXXX i got call from US bank requesting me to visit nearest US Bank branch to update my ID, which i did on XX/XX/XXXX i visit the branch on XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and i did what they asked me to do Later on XX/XX/XXXX i got call from the same number asking me to go again to nearest is branch to answer some question about transactions happen in my account which i did, on XX/XX/XXXX to find out that my account had Hard block on it since XX/XX/XXXX and the manager assistant was not able to remove the hard block on my account stating that they need to check further, the same thing happened on XXXX and the account was hard blocked for more than 22 days and for no known reason which am afraid the same will happen this period no one know why my account is blocked, nor when this account will be unblocked thanks
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On Wednesday XX/XX/XXXX I attempted to purchase a XXXX XXXX   with paypal for ' {$240.00} ' from the " XXXX '' website. 

On XX/XX/XXXX I emailed asking for a status of the order On XX/XX/XXXX I realized I had been scammed, Emailed asking for a refund. I then opened a paypal dispute, also on the XXXX of XXXX. 

Paypal has not yet honored there consumer protection they advertised. They have not even responded to my dispute. On XX/XX/XXXX I reached out to their facebook account in an attempt to speak with an agent. They only had an automated response saying they would get back to me. They have not responded. 

I was scammed by that website.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TN)

I started making payments in 2007. My balance has been {$26000.00} ever since. ACS is the website I make payments and XXXX must be servicing the loan. I 've paid {$11000.00} over the years, {$9000.00} toward interest, and {$1400.00} toward my balance. If you do n't see anything wrong with this, how do you sleep at night! Do I really need to say anymore? {$9000.00} in interest? {$1400.00} to Principal?
Consumer complaint received 2016-02-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CO)

In 2007, my home was foreclosed on while I was called up as a XXXX in violation of the SCRA entitling me to recourse through the OCC and National Mortgage Settlement. I received a small check ( {$600.00} ) from the OCC settlement. ( Much lower than it should have been per their criteria ). I went through my Attorney General 's Office to try to resolve this. During their talks with Citi Mortgage, they were told that Citi had rescinded the sale of the home ( consequently they sold it to themselves ) 10 months later. However, public record shows that the sale was rescinded 2 years later. Either way, I feel I should have been entitled relief from Citi which I have been denied. I was never made aware that they ever rescinded the sale of the home, or that they re-instated the loan. The home has been destroyed by vandalism and weather leaving no value to the property. Earlier this year I was told they we 're again foreclosing on the home, but later they decided not to and are continuing to hold me hostage to this loan now 9 years later.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (NY)

Pro Collect Inc. sent me a memo stating they would accept % XXXX paid of the debit and close the account. After speaking with them over the telephone and confirming i was inform that they would report the account settlement as soon as possible. This did not happen, the account is still open and only reflects that i paid half when in fact the account should be reported closed and paid in full.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I signed up with a company called Big Picture Loans at https : //www.bigpictureloans.com/. I agreed to a loan of XXXX with a monthly payment of XXXX dollars. My first payment was deducted from my checking account as agreed but now the loan company is asking for an additional payment of XXXX every two weeks rather than monthly. I can not pay that amount every two weeks and ask assistance in negociating with Big Picture Loans in accepting a monthly payment of XXXX until i should pay the loan in full.
Consumer complaint received 2018-05-28
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. (FL)

i was given a 90 day forbearance on my mortgage for XXXX, XXXX, XX/XX/XXXX due to the hurricane in florida. from XX/XX/XXXX until XX/XX/XXXX i made all payments on time in addition to repaying the three payment from the forbearance period totaling 8 payments in four months. in turn XXXX XXXX falsely reported my mortgage 60 days late for XX/XX/XXXX with all three credit bureaus. this is impossible as i have made 8 payments since XX/XX/XXXX. i have called, written messages on their website with zero response or solution. in turn my credit card companies have begun to reduce my credit lines because of the false incorrect past dues report. i have over 25 credit accounts and HAVE NEVER been late on any of them. this is now damaging  my business and my family finances.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (WA)

XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank previously GE Retail Bank now is the financing company for Lowe 's, and HH Gregg. I made an unemployment claim back in 2013 to now have Synchrony Bank state that I did not have card coverage. I had both card for more than 20 years. I can not say how terrible this made me feel and how hard this is for this retail giant. I have these account that I paid on time over the years. I now need your assistance I know I was sold the card service to only have these companies report a Collection Balance when this is a Unemployment claim from XXXX that should have paid both these accounts off. Now that they are Synchrony Bank I am told I did not have coverage this can not be true as long as I had these cards. I need your help to investigate and resolve this for me.
Consumer complaint received 2016-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (OR)

MB financial has repeatedly, erroneously and continually escrows our insurance premium in explicit contradiction to our closing documents and agreements and are acknowledged by their letter dated XXXX XXXX, XXXX. Their records will reflect that we have always paid our insurance premiums separately from our mortgage. Between XXXX XXXX and today, MB financial has received, reviewed and corrected their error multiple times, only to revisit the problem again and again ; escrowing, returning and again encumbering our loan to MB financial 's fiduciary gain. This has additionally cost us valuable time and money. As such MB financial is in material breach of contract and unlawful fiduciary gain.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2023-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

2014 I was put into XXXX  XXXX  with concerns with my health. My home was sold while I was there. I was trying to refinance of sell to help with bills and finances. The agent doc put some docs with Wells Fargo then to me I lost the home. Later to find out the doc he had me sign was a short sale. In stead of the refinance or the sale to gain the equity in the home. I was on numerous drug which made it easy to mis lead me. I later found out the the closing was in XXXX Ga a place I had never been. I reached out to Wells Fargo and let them know of my finding with prof of my health and date of mind from doctors. They dismissed it also my account with Wells Fargo went with stress as well over draft fees as well as finance with the house with out my permission. I have been home less since.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax did not address my concern. The courts did not report any public record information to the CRA, therefore an indirect party, third party, has provided the CRA with this information. They CRA 's credit summary is misleading, as if the a Gov Agency, the judicial system, is the equivalent of a creditor or data furnisher, reporting public records to the CRA, which the court does not. 

Equifax Credit Information Services said : Explanation of closure Please be advised the creditor verified the Judgment case number XXXX correct as reported. Please be advised Judgment case numbers XXXX, XXXX and Bankruptcy case number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I contacted Equifax many different times to dispute this unknown account that is reporting on my credit file. Acct # XXXX. For some reason, it is still reporting. I sent them a Fraud Affidavit and the account is still reporting. I need your assistance in getting this account removed from my credit file. Apparently, Equifax have no regards for the laws.