davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I mailed a check to a " XXXX XXXX ''. I bank with Chase. The check was cashed by " XXXX XXXX XXXX '' at XXXX XXXX XXXXXXXX. XXXX is at fault for not matching the payee to the back endorsement. Chase has been giving me the run around for 2 months. First, they gave me the wrong forms to fill out. They informed me several weeks later that they needed new forms. I filled out new forms with the bank manager and faxed them. Several weeks later they wrote back that they closed my case. The Bank manager called their fraud dept. again and this time they claim they couldn't read the form although the bank manager had no problem reading it. Filled out the form for the third time. Still, no return of my {$5000.00}.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

SOMEONE FRUD THIS ACCOUNT IN MY NAME .. # HELVEY AND ASSOCITONS XXXX XXXX 15 USC ..PRIVACY 1681 602 STATE THAT HAVE THE RIGHT TO PRIVACY ... ... 15 USC 1681 604 IT ALSO STATE A CONSUMEER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN STRUCTION ..... THIS ACCOUNT IS FRUD
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NY)

I have Frontier Airlines and a JetBlue credit card through the credit company Barclays. 
Both cards have raised rates without claiming they are linked to the prime rate. The current prime rate sits at 5.5 % and the cards are charging 29.99 %, in excess of New York State usury laws ( PL XXXX ) of 25 % How can a company get away with charging 24.49 % over the prime rate? Add to this the fact that they add fees and this puts the actual amount charged over 30 %. which violated Delaware State Law How can the federal government allow interest rates like this across state lines? 
And the Frontier card recalculated the way their bonus program works, causing me to lose my flight benefits. 
The interest rates these companies are allowed to charge are simply to high and the pressure to pay these exorbitant rates creates a condition of compulsory service against my will with threats of legal coercion, thereby violating U.S. Code Title 18, Section 1584, Part I, Chapter 77.

When I called to lower the interest rate and negotiate, they just said it was tied to the prime rate and there was nothing they could do.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CT)

On XX/XX/year> I noticed XXXX payments were sent from my checking acct to Carmax in error. I called Carmax to get a refund. The manager, XXXX, of the Resolution Group dept advised me that XXXX refund checks of XXXX each were mailed to the wrong address. No one called me to confirm my mailing address. They mailed it to the wrong address. He also advised me that he would submit a request to overnight me a refund to the Corporate Accounting dept by XX/XX/year>. On XX/XX/year> I called him back bc I had not received it. He said neither he nor I could find out what the hold up was or what the refund process or ETA was.
Consumer complaint received 2023-03-29
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: WELLS FARGO & COMPANY (LA)

The reporting company did not inform me the consumer of the right to opt out of reporting private information to third party agencies directly violating 16 CFR 313.7 form of opt out notice to consumers ; opt out methods.

I am aware I have the right to privacy of my non public personal information according to 15 USC 6802 the sharing of this private information to a third party without consent is identified theft.

No direction on how to opt out of sharing was expressed to me the consumer. Wells Fargo is violating 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. This notice is to please cease and desist all illegal activity which constitutes collection activity. This is also a notice of exercising my rights to prevent the processing of my personal date by Wells Fargo for the account opened on XX/XX/2021
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/2019
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From the time i noticed negative remarks on my credit profile i have been sending letters asking to verify and validate this information with any documents showing my signature or identification and i havent received anything relevant to what i asked.
Consumer complaint received 2020-10-22
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: CITIBANK, N.A. (NY)

The account in question in discussion is Citi Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Citi. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

For the past month, Ive been unable to access my accounts and attempts to rectify have not been resolved. I have called Citi customer service three times and the representatives have chosen not to help or resolve. Its important to note that this is the latest in several issues I have had with Citi ranging from declined credit card purchases to unjustified interests and fees.
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (KY)

Paid loan off on XX/XX/2020 for {$1100.00}. On XX/XX/2020 the company deducted a payment of {$62.00}. I called the company and was informed the {$62.00} was pending before my payoff and was deducted from the amount. I apologized for my behavior and told them the representative should have informed me of that transaction. 
On XX/XX/2020, the company deducted SIX payments of {$62.00} causing my account to go negative. Remind you, I paid in full on XX/XX/2020. I called requesting {$500.00} to be put BACK into my account and was told Sorry for the inconvenience but we can only reimburse {$310.00} and the NSF is not the companies responsibility. My account would not be negative and there would not be {$120.00} in NSF fees if this company had not taken SIX payments in a day considering I paid off the loan a month and a half ago. I have a payment history receipt and bank statement to prove the unethical act this company has done. Because of COVID19, Im currently not working and now the money I had to provide for my kids was wrongfully taken and the company will not correct their mistake. Im requesting {$370.00} in payments taken AFTER I paid in full and {$120.00} in NSF fees the company has caused my  checking account to accumulate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am addressing my ongoing concerns regarding the inclusion of an inquiry in my credit file, resulting from the identity theft incident I reported. This is my fourth complaint and follows up on my prior communication dated XX/XX/XXXX. I request the expungement of the inquiry record associated with the alleged identity theft from my credit file. Enclosed is the new FTC report # XXXX for your reference. Please proceed with the removal of the outstanding inquiry from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (DE)

Credit Collection Services reported a debt on my credit report that does not belong to me and never gave me the opportunity to dispute it prior to reporting. I've attached the police report for this fraudulent account to this complaint. I want the debt removed from my report immediately.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

I have a complaint ID XXXX XXXX. My complaint is with Key Bank. 
They responded to my complaint that the status of our dispute is closed. I still have not been refunded my money. I know that key Bank is responsible for restoring my funds. They now say that they are waiting for XXXX  XXXX XXXX to refund the money to them. They have to XX/XX/XXXX. If they do not refund the not to my bank, they plan an sending me a letter stating that my money will not be refunded.I find this unacceptable. 
My case number with key Bank is. XXXX Phone XXXX XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Credit 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 (CA)

I ordered a blouse twice from XXXX Using another card for the 1st purchase and my Apple Card for the 2nd purchase Never received purchase 1 or purchase 2 Images received from the supplier stating that image 1 was delivered by my door. Never got it so purchased again using my Apple Card. 
Courier this time leaves package in my mail room which is open to everyone there is a a location with locked lockers where courier places packages for all residents XXXX or XXXX does not leaving packages out that would all be stolen if that were the case. XXXX constantly states that I have received both packages sadly Why is this dispute constantly being reversed. Its clear that I purchased the same item twice from XXXX. The order was delivered to my door but I never got it. Thats fine I have to accept that and accept the loss since they've provided an image of my unit showing the package being delivered. Ordered it again and they delivered it to our mailroom where all residents pickup their mail. I did not receive the package the pics are there for both orders and I am not getting my funds back for an error XXXX made the 2nd time for leaving it in an open mailroom, and providing a pic of such. You can clearly see that item was not delivered to my door. How am I supposed to get a package from an open mailroom where sadly people steal. There are lockers there where they were supposed to place the package in the locker like all the other couriers but they left it on the ground This is the 3rd time I have addressed this with Apple, and I just got another letter from them that is not in my favor.

What is the problem this is so unfair I can not believe Apple has no empathy and can clearly see what has happened. Its so simple. 

Ive been dealing with this since XXXX of 2023 its ridiculous and unreal. 

I just want to be treated fairly, and get my credit issued back to my card, as a consumer again I did not receive the merchandise pics are supportive, but not to Apple. Please help. 

Respectfully, XXXX
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (DE)

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. 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 XXXX, XXXX XXXX XXXX, EXPERIAN 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
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (SC)

When I opened the credit with Koalafi, the same night, I set up autopay to pay the bill in a timely manner. Once, I completed the autopay, it indicated that payment would be due on XX/XX/XXXX. However, I received an email indicating the bill is past due. How can the bill be past due when autopay was set up on XX/XX/XXXX. The email also indicated that due to the past due bill the terms of the agreement in terms of deferred interest are no longer applied to the account.
Consumer complaint received 2020-05-29
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. (TX)

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to Trans Union and XXXX. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to Trans Union and XXXX it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. XXXX and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want Trans Union and XXXX to remove the fraudulent inquiries from my credit report.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I called Bank Of America to report my claim of Fraud that happened through XXXX. I called on XX/XX/2023 moments after it happened. I was tricked by someone who I thought was a Bank Of America employee to send over money to him due to fraudulent actions reported on my account. I received a call from the Bank Of America customer support phone number. I believed this even more because I do have proof of previous claims filed, that I actually did receive my money back from, which I was happy about at the time. I was told on the XXXX that I would be able to receive provisional credits for the transaction that happened. I am young and new to banking on my own so I was not aware of the dangers of fraud out there. The total amount that I wanted to dispute was {$3300.00}. This is money that I have been saving so losing this amount in a moment is detrimental for me as that was all that was in my account.
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NV)

There is an account on my credit report for a National Credit Adjusters for some type of XXXX XXXX thing. I have never taken out any type of check cashing loan so this has to be possibly a same name issue or something but that is not mine.
Consumer complaint received 2022-08-08
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: Lendmark Financial Services (VA)

In accordance with the Fair Credit Reporting Act Lendmark Financial Services 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 an account without my written instructions. 

I would like to have the account removed from my credit report.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (VA)

My significant other passed away. Before he passed, we took out a loan with Mariner Finance. Since his passing, this loan along with others have fallen behind. I have taken on all bills and have finally hit a wall not being able to pay my rent at all as well as these bills ontime. However, with the other places I have told of my situation and thwy put me on a hardship plan to help become current again. Mariner Finance threatened me with court attorney fees up to {$1000.00} and garnishment of my bank account if I do n't become current by the XXXX of XXXX. I told them that I will do my best to pay towards what I owe but I have n't paid rent yet because of my hardship. Which I am trying to fix before this month 's end. The fact that thwy will not work with me to get current is very upsetting. I am behind {$280.00} with Mariner Finance. They say that by the XXXX I will become sued for court costs attorney costs as well as garnishment which will put me in a perfect poverish state of being. I have a XXXX XXXX XXXX daughter and can not be put out on the street because of added on court fees. Everything is being paid I just need a plan with them to catch up. I 'm fighting my way back ... with everyone but I need a give qith this company
Consumer complaint received 2020-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Words cant begin to express my frustration with Equifax. Ive sent multiple letters NOTARIZED, Certified, with copies of id and social security requesting validation. However, rather to responding to my concern, the company sent another letter saying their unable to locate my credit file, and to send the supporting documents for indentification purposes. EVENTHOUGH, as mentioned it was sent with the letter requesting validation. Equifax is deliberately using stall tactics and ignoring my rights for a fair investigation as a consumer. This isnt fair
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (FL)

Due to hardship and struggling to mange to meet my financial obligations, I rang CreditFresh to ask what options I have to reduce the monthly payments amounts towards the loan so I can meet my priority payments such as rent, utilities, groceries etc.

- I said that I do not want to default, perhaps they could reduce the fees or take 1 payment per month instead of 2 or offer an arrangement as such to reduce the monthly amount payable ( currently 2 payments due at {$330.00} each per month, total {$660.00} ). I can not afford this due to hardship and higher expenses.

Speaking with both an agent as well as their manager, they told me this was not possible and only gave me 2 options : 1 ) Pay the same amount for a few more months which will reduce the amount owed 2 ) Default on the loan which will go into collections and affect my credit report and ultimately recovery - I repeated that I can not afford this and am not looking to not pay, Im just looking at affordable options as currently I can not even get from Paycheck to paycheck.

Again, the same 2 options were presented and they refused to assist or offer a lower monthly payment amount.

Furthermore, after complaining to CFPB, CreditFresh replied offering no solution at all. Hence raising this complaint again.

Surely there has to be consumer protection for people going through hardship and asking for a loan company to enter into a payment arrangement? How can this be refused?

The loan was provided through CreditFresh website which is funded by XXXX bank.