davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CA)

I applied for loans. Credit carma was sending me all sorts of pre approvals telling me that I was pre approved for personal loans and credit cards and that I can refinance my vehicle. I would see this offers every time I check my credit score. Months would pass by and credit carma would send me pre approvals and I believe I was in the right time to apply. So I applied sometime 2020. I got denied for a personal loan with one main financial twice in different months. I was distraught and I felt deceived. I was marketed for months. Credit carma told me that I was approved. This was a lie. I was severely stressed out. I was looking forward for those loans. My XXXX  flaired. Now I don't pay attention to " pre approvals '' credit carma is a joke.
Consumer complaint received 2022-11-02
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately US DEPT ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-02
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: DISCOVER BANK (IL)

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has reported two late payments XX/XX/XXXX & XX/XX/XXXX has violated my rights under 15usc1681 in section 602 states I have the right to privacy 15usc1681 section 604A states I have the right to privacy 15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15usc 1681A / definition, rules of construction exclusions except as provided and paragraph the term ( consumer report ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Neon Newco Corporation (CA)

Purchased a transact XXXX XXXX XXXX but NetSpend will not allow me an account and I'm having difficulties getting a refund on money I loaded onto the card they're supposed to mail a refund but I yet to receive it and it's going on four weeks.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank cancelled my account immediately without a 45 day notice after the balance had been paid in full.

I had recently charged the last charge to the card after it had a 0 balance and they cancelled my account because of several reasons, perhaps the largest being lack of real estate. Now I can not log onto the app to interact with my account in any fashion, its really aggravating because I was trying to pay my bill that just had new charge put onto it and I find out my account is closed without any notice whatsoever.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MI)

Wanted to take advantage of an advertised promotion Chase had for the Sapphire XXXX card, where they offered a XXXX point bonus for spending {$4000.00} in 3 months. I had called and checked with them to see if I was eligible, as I already had a Sapphire Reserve card and knew that you could only have one Sapphire card with Chase at a time. Under the advisement of the agent, I was told to downgrade my current Chase Sapphire Reserve card to a Freedom level card, which I did. I was told that since I opened the Sapphire Reserve card 48 months ago with another promotional offer, I would be eligible to receive a bonus on the opening of this Chase Sapphire Preferred card. THESE CALLS WERE ALL RECORDED AND MONITORED! After following their instruction and guidance, my application for the Chase Sapphire XXXX card was declined because the system still thought that I had a Sapphire Reserve card. Again I called and was told that I would need to wait until my next billing cycle was over to ask for reconsideration - keep in mind I was never told this initially - and they said I would still be eligible for the original promotion that had since expired since my application was still submitted before expiration. I called for reconsideration in the time frame I was advised, and was told that I was not eligible for the promotion, after all that. I was told that the previous agents misinformed me and would receive better training in the future. How can a financial institution have this level of negligence? I understand this issue is about points, but this is a financial institution that should NEVER give incorrect information to consumers. The only possible reasoning is that they are willing to play games and give the run around to consumers who are taking advantage of the promotions that they are offering. If that is the case, they shouldn't offer promotions anymore. It's false and misleading advertising along with a nefarious business practice to bait consumers into applying for more credit accounts under false pretenses that there is a prize of bonus points waiting at the end of the process, which they never intend to award.
Consumer complaint received 2022-11-02
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: BARCLAYS BANK DELAWARE (OH)

I was going to purchase a car rental with XXXX and notices a promotion for a credit card that offered a statement credit and 0 % interest if I applied for it. Come to find out it's managed by Barclay. So, I applied and instead of being approved it stated more information was needed. I would be contacted back within 30 days. 
This is the second time this has happened with me and applying for a Barclay credit card. I did this with Old Navy as well to receive an additional % off and the same thing happened. I ended up not being able to use the extra % off for the purchase I was trying to make. 
In my opinion this is false advertising and possibly fraud. They're offering a promotion and then not approving consumers to get the promotion for the purchase. I have excellent credit and my debt to income is very low. So, there's no reason I shouldn't have been approved right away. I did this same thing with a XXXX credit card through XXXX last night and was approved right away with a high limit. I was able to utilize the promotion offered because of this. 
After this I called their customer service and eventually was transferred to their customer Security Department. I was informed that I was approved but my account number hadn't been processed yet. So, if I was approved 15 minutes after I applied why wasn't it approved so that I could use it for my purchase and the promotion? 
I'll tell you why!!! Barclay uses these promotions for a bait and switch. They offer them so people apply and then make it impossible to get the promotion for the purchase you're trying to make. 
THIS SHOULD BE ILLEGAL!!! Something needs to be done about this because it is a complete invasion of a customer 's trust. When dealing with a well-known company that is trying to handle our money, we shouldn't have to worry about getting screwed over. 
Thank you so much for hearing me out and hopefully handling this great injustice.
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

M & T Mortgage failed to send the entire tax payment to the tax office from my escrow account. They were sent two tax parcels and failed to make the full payment. They also failed to contact me via letter, phone, or email to inquire or rectify the situation. They admit to receiving the two parcels from the tax office and failed to take any action to contact me. I had no idea they did not pay the full tax amount owed until after it was past due. I received a delinquent letter with late charges from the tax office in the amount of {$300.00}. They instead send me a partial refund way after the delinquent dates. In XXXX, I received a letter after I made a complaint with mortgage company that they do not feel like they are responsible for the late charge and have added the {$300.00} to my escrow account. I filed another complaint with the mortgage company and never heard back. I then followed up again on XX/XX/XXXX and was told they still didn't want to refund the {$300.00} to me for their mistake and inaction. I never chose this mortgage company in the first place. I will never use them again if they do not take the proper corrective again and pay the late charge that was their fault in the first place. I have no problems filing a complaint with the XXXX XXXX XXXX, other financial consumer complaint websites, making sure they get bad reviews for improperly handling this matter.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WA)

I refinanced through XXXX  XXXX. They sent the appropriate payoff amount directly to Chase with all of the required information in early XXXX. Chase signed for and cashed the check, then sent the money to a third party for no reason at all. They refused to get the money back, and have been sending me notices that I am late in payments, have ruined my credit, have turned the account over to collections ( although they no longer own it ), and are currently threatening to repossess my vehicle. 
XXXX XXXXXXXX retrieved the payoff money from the 3rd party, and Chase is now saying that they need 2 weeks " to review '' the account. 
As a result of their negligence, my credit rating has declined XXXX points, and I am getting daily collections calls from the 3rd party. The latest call threatened to repossess the truck ( that they do not own! ). 
I have made frequent calls to Chase, as has XXXX  XXXX, to no avail. Chase refuses to acknowledge their malfeasance, and have repeatedly lied to shift blame onto either myself or XXXX  XXXX. They have said that the wrong information was sent, that the original check did not have the correct account number, that I haven't made payments, or that the 3rd party has the money- all easily verified as false. 

Chase acknowledged that the payoff was cashed by another company affiliated with Chase, and that they haven't attempted to apply the money correctly. They also acknowledged receipt of the documents and acknowledged that the check had been cashed by the Chase affiliated. 

They have said that they need to " investigate '' - in the meantime, my credit is ruined, and I it has resulted in my application for a business account to a different bank be rejected. 

I am including the documentation from XXXX  XXXX. 
I need immediate help. 

Thank you
Consumer complaint received 2022-06-10
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. (TX)

I have previously disputed the accuracy of the information for the two closed at my request and paid in full, XXXX XXXX XXXX accounts, with all CRAs ( XXXX, Equifax, XXXX ) and XXXX, however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

Account number # XXXX Account number # XXXX The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Credit Limit Last reported Date last active Date of last payment Late payments reporters in the months of XXXX and XXXX of 2020.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

Citi located at XXXX XXXX XXXX XXXX XXXX, MO XXXX which finances XXXX XXXX XXXX  which I had one but due to XXXX XXXX could no longer use or keep I let it go, this was many months ago. 
Then in XXXX of this year I got a letter stating that you had sold this account to XXXX XXXX XXXX XXXX in XXXX XXXX CA That's strange, I received NO NOTIFICATION that this was even happening, by Federal Law I was supposed to get a notification before such action was to be taken, you have violated the law and if this is not rectified by you to me I will take swift action against you in a court of law believe me this is no an idle threat, you must think you are above the law, YOU'RE NOT. 
I have notified my attorney and demand a cease and decease from any credit collection agency you have supposedly sold this to and further we hereby demand a copy of the actual sale to XXXX for evidence to be presented in a court of law should you not take the correct course of action in resolving this issue.

And one last thing, I have suffered from XXXX and under a doctors care should you or anyone associated with this case do anything to cause stress to come upon me you will face consequences as I have been told that another drop in the Ejection Fraction level might be fatal.
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX XXXX XXXX has violated my rights 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2022-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: On Q Financial (NV)

I have paid my mortgage on time consistently since it opened in XX/XX/2022. However, the mortgage servicing company, On Q Financial, has failed to pay the XXXX XXXX XXXX bill from my escrow account. On Q Financial has been collecting money to my escrow account, but has failed to pay my real property tax bill. I called the company repeatedly in XX/XX/2022 when I first notice the bill had not been paid. I was assured that the company would take care of the payment and any late fees assessed. As of XXXX XX/XX/2022, no tax payments have been made to the XXXX XXXX XXXX on behalf of my property. 

On XXXX XX/XX/2022, I received a letter from the Office of the XXXX XXXXXXXX XXXX dated XXXX XX/XX/2022 stating I have a debt of {$1000.00} in taxes past due. This is extremely disappointing and I am very frustrated with On Q Financial. 

I sent emails to On Q Financial on XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022, and XXXX XX/XX/2022 in regards to my property taxes which went unanswered. This demonstrates a pattern of On Q Financial ignoring my repeated requests to ensure my property tax bill is paid.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Upgrade, Inc. (TX)

Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/ 2021 and XX/XX/ 2021. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XXXX XXXX, 2021 but I received no response to the same.
Consumer complaint received 2022-11-02
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: Nelnet, Inc. (FL)

Unfortunately, these late payments are inaccurate and incorrect!!!!! 

XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE
Consumer complaint received 2022-06-10
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (OH)

My US bank account was closed by me late XX/XX/2021. I had overdraft protection on my account as well. US bank allowed a company to withdrawal money from my account after I had already closed it and continued to charge me overdraft fees on a closed account. I now have Debt collectors calling me non stop and sending letters to my home. I do not owe this debt.
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/XXXX, Has violated my rights 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-10
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''