davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Chase denied my claim after a merchant ( XXXX ) fraudulently failed to provide the products/services that I paid to them on XX/XX/22 in the amount if {$110.00}. Chase has informed me that they will be removing {$110.00} from my account on XX/XX/22. By taking this action, Chase is violating federal law and facilitating fraud. 

I am formally requesting that Chase : ( 1. ) Provide me with all of the information that used in the research of this claim. 
( 2. ) Reverse their decision, as it was clearly wrong, and leave the credit of {$110.00} in my account.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (NV)

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  reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (PA)

Hello, I am in the middle of purchasing a new home. For some reason, my mortgage lender wanted me to pay off my lease. Last Tuesday, XX/XX/XXXX, I submitted a payment in the amount of the final two months owed through the Hyundai Motor Finance website. I called their phone number at XXXX because I was told the account was not showing as closed. I was told by the representative that they saw the amount was received and my account showed a XXXX  balance. They said to look again the next day ( Friday XXXX ) and my credit report would be updated. Between Friday and today ( XXXX ), my credit report showed the account as still open. Two calls to Hyundai and they claim they held the XXXX payment in reserve instead of paying the account. Attempts to get even an unofficial closing letter were denied and now I may not be able to get my mortgage on time because Hyundai lied to me last week. I will never used Hyundai again. They are dishonest, do not care about their customers and are unwilling to correct their mistakes.
Consumer complaint received 2019-08-29
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. (TX)

Yet another fraudulent posting on my report, this time from XXXX XXXX, this is fraud I did not apply for any service from XXXX XXXX, this is on my report as an Hard Inquiry. Im getting tired Equifax of you not doing your job to check this out so, Im letting the attorney general know both in my state and yours. Also, im letting the FTC see this as well, I will also be approaching my senators in Texas and I can assure you I will get results.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-22
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

A transaction of XXXX disputed on XXXX XXXX.us bank reliacard services credited my account XX/XX/XXXX of XXXX and I received a letter stating the credit.with an apology for any inconvenience. My card has been inactivated and my funds frozen .i have called, spent over 20 hours speaking with representatives or waiting on hold. I have faxed documents sent self-identifying photos 5 different times to no avail.i need access to my funds to this day XX/XX/2020.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-24
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. (AR)

THE 3 MAIN CREDIT REPORTING AGENCIES ARE STILL FALSIFYING FALSE INFORMATION ON MY CREDIT REPORT.

I HAVE SEVERAL ACCOUNTS THAT NEEDS TO BE REMOVE FROM THEIR DATA BASE FROM MY CONSUMER REPORTS.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (AZ)

In XX/XX/2018 I contacted Discover Card to ask for assistance in lowering my payments. 
At that point I owed {$5800.00}. and was being charged 18.99 % interest. 
They told me they could offer me at lower rate of 16.99 % for one year, there was no mention verbally or in writing that at the end of that period I could not apply for additional help.Under the program I am paying {$110.00} a month of which {$30.00} goes to the principal and the rest is interest. 
I started writing, calling and emailing Discover in XX/XX/2018 advising them that effective at the end of this temporary program I would no longer be able to make full payments. I stated that due to age ( XXXX ), health ( XXXX and XXXX XXXX XXXX ) and my income based on Social Security I will never pay this loan off as currently outlined. 
Here is a list of Discover personnel I have corresponded with : XXXX XXXX, Manager, Executive Office of Customer Advocacy XXXX XXXX, Same office as above XXXX XXXX, Same as aboe XXXX XXXX, Executive Office of Discover XXXX XXXX, CEO/President of Discover all are located at XXXX XXXX XXXX XXXX, XXXX, De XXXX All of the above advised that I was notified on XX/XX/2018 that I would not be eligible for a new program for at least one year. I had advised them that I was never advised of this provision. XX/XX/2018 was seven months after I entered the program. 
Discover is not willing to reduce the interest rate or set reasonable payments on my account. I have attempted in good faith to deal with this problem to no avail.
Consumer complaint received 2019-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TN)

PNC Bank, XXXX, Ohio. XXXX. I have never been late with any payments in the 12 years I have been paying PNC. After trying to refinance with the company and getting an appraisal of over twice the value of my home I was denied. So starting in XX/XX/XXXX after making my monthly payment of {$800.00} XX/XX/XXXX I decided to make a Principle only payment on line XX/XX/XXXX of {$1000.00}. When I looked at my account I noticed they applied only {$470.00} to principle and {$520.00} to interest. I called them and they said they would correct it and that it might be best to mail in the principle payments with a check showing principle only on the check ... well it never happened on there part. I made my monthly payment again XX/XX/XXXX of {$800.00} and mailed in a Principle payment of {$1000.00} on XX/XX/XXXX which I wrote on the check and the statement portion PRINCIPLE ONLY. When I checked my statement again it showed they applied only {$680.00} to principle and XXXX to interest. I was going to give them one more month to get this right so again I paid my monthly payment on XX/XX/XXXX of {$800.00} and another Principle only check mailed in with Principle only wrote on it in the amount of {$1000.00}. This time they applied {$140.00} to principle, {$130.00} to interest and {$720.00} to late fees. I was in shock. I have tried calling them to get this taken care of but get the run around. This makes me wonder what they have been doing to me the first 11 years when I didn't even look at my statements. I have also been trying to get them to let my wife handle this matter since she handles all the bill paying and they always give the run around about having me to authorize her to handle it which I have done dozens of times on the phone. Let me also add that they apply different amounts to the principle with my normal monthly payments. Like XX/XX/XXXX principle was {$220.00} interest was {$570.00}, XX/XX/XXXX, principle was {$1.00}, interest was {$790.00}, XX/XX/XXXX principle was {$390.00}. XXXX and interest was {$400.00}. All of this is so wrong. Please be advised of a CROOKED company. My balance has only gone down in principle since XX/XX/XXXX till now {$2200.00} with them receiving {$5400.00} from me
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account  was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from my credit report.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Without any advance notice or any cause, XXXX XXXX XXXX ( " XXXX '' ) ( credit grantor Synchrony Bank Financial ) lowered my credit limit from {$3000.00} to {$2200.00}. 

-I have been paying over the minimum balance for almost 2 years, -I have not been 30 days or more late on payments for the almost 2 years, -There are no returns on the account, and - My credit score has increased with resolving credit decreasing within the last year. 
-I have not been 30 days late on any payments that are reported to the credit bureau for the last 180 days I spoke to XXXX , Account Manager,  and he said that there was nothing that can be done. I have other Synchrony Financial store cards and the credit limit was not reduced with those cards.
Consumer complaint received 2021-12-08
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: GOLDMAN SACHS BANK USA (NJ)

I submitted a dispute to Goldman Sach's/Apple Card whom did not properly research and provide adequate information/details regarding their decision after the dispute. Furthermore, the company did not reach out for clarification or additional information to assist with their decision making. 

The following dispute is in regards to the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$830.00} ( XXXX ) The monitor was purchased on XX/XX/2021 and delivered by XXXX on XX/XX/2021 under tracking number XXXX. Despite best efforts to try to cancel the shipment prior to delivery, and leaving a note to refuse the package, the package was unfortunately still delivered without my consent. When reaching out for XXXX XXXX to return the package, due to the shipping mishandling, they refused to provide an XXXX and shipping label to send the device back. They claimed that regardless of the scenario, the 'buyer ' is responsible for return shipping costs. However, XXXX XXXX neglected to state that the buyer was ever responsible for return shipping costs, which would have amounted to over {$200.00} to their XXXX location. Their terms of service ( attached ) and website do not state that the buyer is responsible for return shipping costs, even when the company itself is at fault.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

Around 2 years ago XX/XX/2019 I applied for the Care Credit card for dental work needed. I was under the impression that it was interest free for 2 years according to the promotion. I typically get paper bills but never received one and emails from Care Credit were all promotional ads, I set up a monthly payment notice with XXXX  XXXX XXXX and paid the minimum due to loss of employment due to Covid19. I felt as if the 2 year period was up and called Care Credit to check my outstanding balance to find I have been charged over {$1300.00} in interest fees which is XXXX of the cost of the original dental work. I took a loan from another credit source to pay Care Credit in full {$3000.00}
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (PA)

I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX  and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over XXXX.
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Crossroads Systems Inc. (NE)

i applied for a ppp government loan that dont need to be paid back for small business and this bank XXXX ppp denies you as soon as they get your bank account number online and they have my dr lisc ss number and tax info that i sent too. after they get it they try to withdrawal money from your bank account instead of deposit the ppp loan that i applied for. also they say after 7 days your denied cause you didnt answer our 4 credit report questions correctly i ask for 2nd chance to redo the questions and they say no. this bank is scamming people to get peoples bank account numbers so they can withdrawal money.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

Essentially, Equifax lost my line of credit. My other creditors have no problem receiving and reporting my credit score. On XXXX XXXX I sent in my documents to equifax to verify identity. They took a tremendously slow time processing these papers. As recently as XX/XX/XXXX various members within Equifax said I did not send my papers and they could do nothing to help me. Through my roughly 50 phone calls, I have pieced together that Equifax lost my credit file and my attempts for my creditors to send my files via XXXX   have been thwarted because they do not have a file for the AUD numbers to be sent to. On XX/XX/2017 my Social Security number was used in relation to a different consumer. I obtained this through a separate credit agency and an internal error within equifax is the cause of the fat fingering. Despite numerous notifications that I am under contract with a property, Equifax has done almost nothing to rectify their error, thus potentially causing me to lose the property and hundreds of thousands in losses.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened the citibank account package for {$400.00} bonus offer with the following terms, Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have opened the account on XX/XX/18 and made the required deposit of XXXX on XX/XX/18 into my checking account and linked my saving and checking account. 

Now it's been more than 5 months since I opened the account and I already fulfilled the requirement and keep the XXXX in my account more than 60 days. But still no bonus. I have contacted Citis customer service more than three times over the last three months to make sure the promotion is on my account and I have completely the requirement to receive the bonus. All three times they said yes.

The details say that the Bonus will post within 90 days from the date you complete all of the requirements. It's more than 150 days since opened the account and more than 90 days since I fulfilled all the requirements but still no bonus so far. 

I will attach here my chat history from Citibank here as evidence. The first agent told me to wait and call Citibank if I don't receive the bonus by first week of XX/XX/XXXX. The second agent told me they will give me a response after two days but I didn't receive any response. The third agent told me they didn't find any record about response and have to submit a new investigation. I believe this is just keep delaying me further from receiving the bonus and I never receive a proper response. Citibank should credit customers the bonus they deserve after they complete the requirements.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MN)

CFPB I am filing a formal complaint on Citibank I had Two Citibank credit card after trying to clear up my credit report I noticed some in accuracies and violations of the fair credit reporting act as well as the fair debt practice act On Citibanks behalf and I would ask Citibank to please delete these two accounts from all four of a major credit reporting agencies Citibank no longer owns these accounts these accounts are handled by XXXX which is a third-party debt collection agency after reviewing all four of my credit reporting reports I noticed that Citibank is still reporting a balance on both of these Accounts and that is a violation of a federal law known as the fair credit reporting act Citibank are not allowed to report the balance if a third-party debt collector is overseeing these accounts I asked Citibank to delete these accounts immediately as they have affected and hurt my ability obtain anything in my name and most importantly to seek employment Per the FCRA the The consumer credit report must and I repeat must report 100 % accurate in this case Citibank again is violating the FCRA and I asked once again to delete these accounts as you have hurt and affected my ability also on all four of the credit reporting agencies I have filed dispute with the credit bureau and they keep saying that Citibank has verified this information is reporting accurately and refused to remove that erroneous accounts. These accounts are not reporting correctly and I demand again that Citibank remove these Negative informationAnd also to point out there is one more FCRA as well as the fair debt practice act Another violation on Citibanks behalf as well I have disputed this account and they have fail to Mark the credit report with the required notice of dispute there for these accounts Needs to be removed from all four credit reports see FCRA Section 623 And section 806B of the fair debt practice and that please DELETE ASAP Account XXXX Account XXXX Please send me written notification in US mail that these accounts has been deleted Thank you for your full cooperation
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My mortgage was sold to Mr. Cooper a few months ago. They have since raised my escrow amount around {$450.00} a month. My taxes actually went down this year. They wrapped my flood insurance in, which I pay on my own directly to FEMA. That is on it's own only {$270.00} a month. I am wondering how a company can do this huge jump in escrow without a reason. They will not take out the flood insurance from the escrow. I am very frustrated and don't know what to do