davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I purchased a XXXX TV from XXXX that was financed with an Affirm loan at check-out the total cost was anout {$640.00}. I was to make a downpayment of approximately {$240.00} on the cost of the TV with a remaining balance of approximately {$400.00} financed through Affirm. XXXX delivered the TV late, it arrived late on XX/XX/XXXX and was completely damaged. On XX/XX/XXXX the same day I requested a replacement. On XX/XX/XXXX I was required to make the downpayment ( even though the item arrived damaged ) because of the loan with Affirm. I made the payment of {$240.00}. On XX/XX/XXXX XXXX issued a {$200.00} partial refund of the cost to my Affirm loan balance for the damaged product and shipment delay. The TV was picked up from my home and scanned by two XXXX  agents ( one XXXX  male and XXXX  female ), on the same day XX/XX/XXXX. Despite multiple calls, XXXX refused to issue a replacement until the original item was received at their warehouse in Nevada, following which I would not receive a replacement until 5-10 business days after. On XX/XX/XXXX I cancelled the order and requested a full refund and cancellation of the loan balance with Affirm. Affirm indicated it could not cancel the loan until XXXX had issued a full cancellation/refund. The tracking confirmation indicates the TV was returned to XXXX on XX/XX/XXXX XXXX  tracking number. On XX/XX/XXXX XXXX responded to my email stating : " I found today that the XXXX Return Tracking # XXXX, for this original order # XXXX, shows as delivered to our XXXX XXXX, NV return center on XX/XX/XXXX at XXXX. The return center is allowed 7 days to check in the shipment and inspect it, as well as initiate the refund into system back to cx 's account, if everything checks out ok. This is the normal process in refunding an item that's return policy calls for 'Post Receipt Replacement '. You should be able to see your refund back in your Affirm account between now and Wednesday, XX/XX/XXXX. '' To date no refund has been issued to my Affirm account. I have contacted Affirm and notified them that the balance is disputed, however, Affirm claims it will require payment by XX/XX/XXXX, of the balance and will report the unpaid balance to my credit report if not paid on that date. I have filed a fraud dispute with my bank to return the {$240.00} payment, however affirm is still maintaining a balance of {$230.00} on my account. No response has been received from XXXX despite multiple emails and contacts on social media. I would like to state that if Affirm misreports the balance owed as unpaid resulting in a negative remark on my credit report, I intend to file a FCRA claim for damages to my report in the amount of {$2500.00} for each misreported item per each report. I have notified XXXX and Affirm and provided them with ample time to investigate and correct the errors.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

Hi my name is XXXX XXXX. on XX/XX/XXXX my Citibank account was defrauded by a guy named XXXX who misrepresented himself as a loan officer for XXXX XXXX at XXXX I have attempted to close this account, Report the fraud to the bank and do my due diligence and the bank continues to do nothing. 

The fraud has had an adverse effect on my account as a result I want it closed
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

went to dealership was told in house financing but ran my credit with other companies without telling me 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 XXXXXXXX XXXX
Consumer complaint received 2021-04-20
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)

My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.
Consumer complaint received 2021-03-23
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. (SC)

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: MOHELA (NV)

I have reached out to Mohela several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (SC)

I opened an account at chase. Got my debit card. Mobile deposited a check and the funds became available tried to pay some one through chase XXXX and they locked my account freezing all funds and returning the XXXX. I cant get anyone to fix on phone they transfer me around and around for yours. Been 2 weeks since Ive had access to my money of XXXX
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (KS)

I signed up through Credit Karma with XXXX  to help improve my credit score. I deposited money into my XXXX account until I had deposited {$500.00} and they would refund that money to me. After I started to us me XXXX, I stopped using credit karma as my main bank due to issues with their product. I removed all links to my credit karma account and swapped them to my checking account with XXXX and XXXX Bank. I wanted the {$500.00} returned to me quickly so I made a deposit of {$140.00} on XX/XX/XXXX to bring my account to the {$500.00} threshold and have my {$500.00} returned to me. XXXX did not do so. On XX/XX/XXXX I made a {$70.00} deposit. On XX/XX/XXXX I was told the money would be deposited to my Credit Karma Spend account. That account was closed XX/XX/XXXX because I was unable to deposit {$3.00} from my XXXX account to keep the account open. I reached out to Credit Karma to XXXX ) see if they would RE open my spend account and XXXX ) when the funded would be deposited into my account. I was told they could not reopen my account. I also was told that my deposit issue would be escalated to a new team. This was on Saturday XX/XX/XXXX. I have not received a response from Credit Karma yet.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (CA)

XX/XX/2021 my ending balance was {$140.00} and then on XX/XX/XXXX somehow my balance went to - {$40.00} after they charged me {$32.00} overdraft fees. I have these problems before they authorized any transactions without my consent and charged me overdraft fees. I dont have any funds on hold so how did my account goes from {$140.00} to - {$40.00}?
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Good Morning, I am filing a complaint with the consumer financial protection bureau against Navient, my student loan service provider. Since XX/XX/XXXX i have held a student loan with them. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have made my payments on time every single month. Typically we mail in 2 checks in one envelope to cover the costs of the loan. For the past 12 1/2 years we haven't had a problem. All of a sudden the past 6-7 months, every time we send our checks into Navient they are being misapplied. They keep telling us we owe them money when we send in exactly what their requesting of us on the bill each month. Theres no way we ever owe them anything else. And every month I have been calling them when I get the bill to discuss this with them ( Ive talked to two managers and countless reps ) and theyve admitted to me that theyve misapplied the payments. One manager told me to start sending in the checks and denote each loan number and amount on the bottom of the checks ... we did that and they're still misapplying them and saying we owe them. Of course they blame it on their computers and never once human error or carelessness. And every time I call them, they end up readjusting/updating my account to reflect paid on time status because they admit that I did send in what i was supposed to, its just that they misapplied it. I am beyond tired of having to call them every month for an obvious scam they're trying run. They need to be sued and shut down. Id appreciate a response. Thank you Kindly, Sincerely, XXXX XXXX.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank consistently, in the past several years, labeled most of our deposits as " XXXX XXXX XXXX ", instead of labeling each deposit as from that specific institution where that deposit came from.. For example, when a deposit was from an external bank such as XXXX XXXX  or XXXX  XXXX XXXX , instead of labeling that deposit being from XXXX XXXX  or XXXX  XXXX XXXX XXXX Synchrony will simply label that deposit as " XXXX XXXX XXXX XXXX. This has happened to more than 100 deposits we had in our account in the last few years. Because of this practice by Synchrony Bank, there is no way we know where all those deposit came from. 

Such practice has prevented us from reconciling our account. As such, we do not know whether Synchrony has recorded the correct amount of deposit into our account each time. 

We have spoken with Synchrony multiple times. To date, Synchrony has ignored or refused to rectify this situation. 

Every other institution that we have banked with has a clear notation on our statement where each deposit came from. So, to me, what Synchrony is doing is quite unorthodox.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (CA)

My credit app just took {$25.00} from me when that's very well on XXXX says the website is free it is not free I'm on social security XXXX XXXX XXXX trying to improve my credit for very known reasons the pandemic for one in any case they took {$24.00} out of my XXXX account okay and they will not fix the credit and they will not allow me to add my XXXX XXXX card which the government knows that's how I get paid from XXXX therefore I can not get a boost why would I pay a company to do absolutely nothing for me they don't give you access to the dispute site they took my money services are not rendered you can't get a hold of them to support on the website or by phone you can't even barely find the phone number it took me 2 hours to find it I want my money back because they will not allow me to add XXXX XXXX so I can't get a boost because that's how I pay all my bills please help and fix this problem we as American we have that right and we deserve to have our credit in good standing without being ripped off and getting the points we deserve
Consumer complaint received 2022-10-26
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: GOLDMAN SACHS BANK USA (MI)

Ive been a customer for a while now When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes. 

I am not asking you to reduce my balance in any way Im not asking to skip any payments. I will pay my bills like I always do but the interest at the level it is is making it virtually impossible to pay off this credit card. Does the bank have to be so greedy? Cant you have just a little bit of compassion Even if you just lowered it temporarily even safe for a few months six months or even a year that would be a huge help. Id be better if you could lower it permanently but Ill be happy if I could just get a lower interest rate for a few months anything to help please have some compassion. Thank you for your time and consideration. God bless.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am a legal aid attorney assisting a homeowner who is in foreclosure but has applied for loss mitigation and HAF, and who is also being assisted by a XXXX housing counselor. 

After the homeowner applied for XXXX and loss mitigation, I filed a Motion to XXXX the foreclosure action, providing notice to the servicer of the pending HAF application ( as Florida 's XXXX XXXX does not otherwise communicate directly to the servicers. ) The Motion to Abate is attached.

Rather than taking steps to pause the foreclosure, the servicer bank responded stating I was " deliberating [ sic ] trying to avoid answering Plaintiff 's Complaint and delay this action. '' The Response is attached. 

The servicer then forwarded approval of a Flex Modification on XX/XX/2022. Again, rather than pausing or taking no affirmative steps on the foreclosure, the servicer served discovery ( Requests for Admissions, Request for Production and Interrogatories ) on the homeowner. I was forced to file a Supplement to the Motion to XXXX, requiring additional action on behalf of the homeowner that should otherwise not have been required. The Supplement is attached. 

The servicer 's actions in court demonstrate ongoing dual tracking, with the servicer moving the foreclosure forward in court despite engaging in loss mitigation and being aware of a pending HAF application.
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Consumer complaint received 2021-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My HELOC loan servicing was transferred from XXXX bank to Loan Care LLC in XX/XX/XXXX 2021. For the past three weeks I have been trying to make payments online but have been unable to do so. I called 3 times, each time told I'd have online payment access within a day or two. On my 3rd call ( XX/XX/XXXX/21 ) I had no confidence it would happen so I made a payment with the representative by phone. Guess what, I logged in today, XX/XX/XXXX21, more than a week since the 3rd call to them and still have no access to make an online payment. I called twice today, XX/XX/XXXX21 ; 1st call I was not able to ever get to a live person and got disconnected, 2nd call I did get to a live person, asked to speak with a supervisor, was placed on hold and after holding for 30 minutes the system disconnected me. They are charging interest on a balance that should be lower had I been able to actually make payments. I can not continue to spend all this time on hold when I'm simply trying to fix their situation and make payments. Unethical and the worst customer service experience I have ever encountered.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal informations that does not belong to me.I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureaus block or delete any accounts listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
INACCURATE NAME : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX EMPLOYER : XXXX XXXX XXXX XXXXN Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have attorneys contacting me about a debt that they are not legally allowed to pursue according to law 15 USC 1629E ( 3 ). Also, this debt has been removed from my credit report already and there still coming after me. There has been a lot of suspicious activities from these attorneys that are trying to take my home and they don't even have the promissory note.These are the attorneys involved XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX Attorney for Plaintiff XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Telephone:XXXX Facsimile:XXXX Service Email : XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida Bar No . XXXX Communication Email : XXXX XXXX
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I'm not sure if this is some mistake as I assume it to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job and it is affecting me a great deal as I use PayPal frequently to run my finances and business. The email linked to my PayPal account is XXXX XXXX
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Starting in the month of XX/XX/XXXX, for all Online Bill Payments delivered via paper check Bank of America stopped debiting my account for the payment on the Send On Date. In addition while these transactions were processing Bank of America removed all references to the payment from Online Bill Pay site, leaving no record for the consumer to tell what amounts had been requested be sent to merchant ( s ). The combination of these two changes without prior notification resulted in several overdraft fees. 

In talking to Bank of America representatives on XX/XX/XXXX, it was stated several times that nothing had changed and all the merchants must have changed their relationship with the Bank. In addition they stated they had no control how payments were sent out nor was there any way to tell whether my account would to debited on the Send On date or the date the merchant cashed the check. 


The following is how Bank Of America describes Online Bill Payments made with Checking, Money Market, Home Equity Accounts The Deliver By date is the estimated date that the Pay To account will receive the payment. 
The Send On date is the date that funds for the payment are withdrawn from your Pay From account. If there are not sufficient funds in your account on the Send On date, your payment will not be made.