davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

This complaint highlights Chase 's derelict of duty of protecting their Customers from malicious & fraudulent charges as well as fiscal harm. 
I'll reiterate and continue to reiterate until a satisfactory resolve is reached. 

I did Not authorize the additional charge of {$200.00} I did Not have or encounter any major or minor accident or incident while the vehicle was in my possession. 

I do have an eye witness that has testified to the facts above and I will not be cheated or swindled from the XXXX XXXX In Question or Chase Credit Card services. 

I am prepared to take this matter through our judicial system if necessary.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXX, my cardholder spouse was laid off. He had also become XXXX XXXX could not be employed during the XXXX XXXX claim process. I requested the forms to file for a benefit at that time, eventually received them, filled them out, and sent them in. I was then given a great deal of run-around regarding documents of proof, which I provided, but apparently, they were not adequate, and then communication stopped. Meanwhile, I have been paying into this coverage for at least a decade or more, and have no late payments. I have not even used the card in several years, and while I have been making payments on time each month, despite the struggle to do so, my balance continues to grow, because I can't afford to pay more than the minimum due. 

I was laid off in XXXX of XXXX due to the pandemic. The business was sold, and I was not hired back. I collected unemployment while I could, but that ended several months ago, and I am no longer qualified for that benefit. I have been applying for jobs and interviewing over the past year, but no luck so far, and it is becoming more and more difficult to pay. I called and requested a form again, and never received it, and once again months ago, and never received it. This is beyond the XXXX weeks I was told it would take. I am beginning to feel I have been scammed. I am going to have to stop paying regardless of whether the coverage I have been paying for ever actually approves a benefit claim. 

What's more, with the number of years I have been paying, I had to have exceeded the original full balance due by now ( XXXX interest and whatever other fees are being applied. ) I would like Care Credit to accept that as payment in full, and then they ( Synchrony/Care Credit ) can collect from my account security coverage that I haven't been able to use. It should have been paid in full by now because it's been XXXX years since the hardship began, and I attempted to file initially. This is exhausting on top of the other hardships I am having. 

It's unethical to basically rob/scam me ( and many other customers as I am now aware ) because I needed dental care and I had to euthanize very ill/elderly pets over the years that I actually used this account.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

was unable to start repayment on my student loans and navient informed me I was ineligible for deferment due to the fact i made more then the maximum eligible salary. They then stated the maximum salary you can make and be eligible as a full-time employee. The amount was substantially lower then minimum wage as is legally impossible to make that low of a income. They then forced me into a forbearance causing my loans to continue accruing interest.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my reportXXXX 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 2021-09-01
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: Credit Karma (MO)

XX/XX/21 CreditKarma emailed me an Is this info correct This is not the first time CreditKarma had pushed me to complain as a consumer. 

They act illiterate, uneducated, and I feel ignorant. 

See attached documents :
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to BOTH credit bureaus- XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. Neither bureau is showing a closed date. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

There was fraud covered byREG E on my account Citi bank then refunded me my money and instantly blocked my account and closed it, no one from their team has helped me get access to these funds. All they say is 30-60 days I will receive a check. Citi bank allowed this fraud to happen on my account and they closed my account for their mistake. And now they are refusing to allow me to withdraw my funds or wire my funds to another account. They are violating REG E and have completely stolen my money with zero explanation.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

Recently while traveling, I noticed someone filed a tax return in my name and kept my refund. I never received my refund for XXXX nor was I able to amend it. They then used my account information to try to pay an account through XXXX XXXX that was not my account with XXXX XXXX. The bank placed a hold on my account while I was using a XXXX truck so that I incurred a {$1200.00} bill with the XXXX XXXX company while my account was placed on hold. The incident happened through Bank of the West in XX/XX/XXXX.
Consumer complaint received 2021-08-04
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. (WA)

I have been trying to dispute a collection that is fraudulent reporting only on my Equifax report. However, I have tried twice a week for the past month to file a dispute and I keep getting the message the dispute center is down for scheduled maintenance. I was told this would be fixed a long time ago, and that was weeks ago. The ability for Equifax to stop the dispute process damages not only me but others as well. I attached a screen shot as evidence, this is ridiculous, please help
Consumer complaint received 2017-10-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (TX)

Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help.

My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (AL)

I have a issue with a 30 day late being recently reported on my account. for XXXX XXXX on the day of XXXX XXXX. XXXX the payment was made. I can show proof of the payment being made on this day and my account was due XXXX XXXX XXXX. This is illegal reporting inaccurate information on my account. I am sure this was just a accident or mishap on your end. 
The only thing i can think about is the XXXX payment was made on XXXX XXXX but it was rejected by my bank because the account number was missing a XXXX digit. If this payment was due on XXXX XXXX and not made on time because of a reject then it would take until XXXX XXXX, to be 30 days late. I made my payment on XXXX XXXX to avoid the 30 days late 3 days prior to my payment being due. 
Either way. I am not 30 days late in XXXX or XXXX. I have been a loyal customer for almost 2 years. I have been patiently waiting on the XXXX payment to be removed also from my account. As i was not late for this payment either. 

I am asking you to remove both late payments and send me certified proof you have removed these late payment from my account. I am trying to close on a house at the end of this month. 
PLEASE REMOVE THIS LATE PAYMENT FOR XXXX AS I CAN NOT BUY A HOUSE WITH THIS BEING REPORTED ON MY CREDIT REPORTS. I AM ENCLOSING PROOF THAT I WAS NOT LATE IN XXXX WITH A CASHED MY PAYMENT. 
PLEASE CALL ME ASAP, I HAVE SPOKE ON A RECORDED LINE TO 3 OF YOUR CUSTOMER SERVICE PEOPLE THAT ALL 3 HAVE AGREED I WAS NOT LATE IN XXXX. THE DATE OF SPEAKING TO THEM WAS ON XXXX XXXX AND XXXX XXXX. IF YOU WANT TO LISTEN TO THE RECORDED CONVERSATIONS. 

PLEASE CALL ME ASAP, I HAVE ONLY 5 DAYS TO CORRECT THIS OR I AM GOING TO LOOSE MY MORTGAGE OF MY HOUSE AND HAVE NO WHERE TO LIVE. THIS WAS A RENTAL HOUSE THAT IS BEING SOLD TO ME. I HAVE TO CLOSE AT THE END OF THE MONTH. 
XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I have been employed at a XXXX since XX/XX/XXXX and have made monthly payments that I was told qualified me for PSLF. I transferred my student loans from XXXX to fed loan serving in XX/XX/XXXX and submitted the paperwork to be considered for PSLF. In XX/XX/XXXX I received a letter informing me that I could expect notification regarding the number of qualifying payments. I have received nothing since then. I have called and learned that my information is pending and there is no way to anticipate the timeline.
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I received, in the mail, my new vehicle account information and the bank holding the loan, Wells Fargo. I completed the information needed for " XXXX '' banking to allow me to utilize the internet to pay my car loan. With the information requested, I was assigned an online account. But in the account, I was also access to an account that was not mine. I had access to this person 's checking account information to include bill paying access, amount access, etc. The person 's account information was related to me, however, this person 's account had to direct correlation to my vehicle loan and/or personal information from my relations. Somehow, Wells Fargo managed to merge the person 's checking account into my vehicle loan account without my permission nor the checking account holder 's permission. I called Wells Fargo and they directed me to their division that handles the online account services. " XXXX '' who was the representative that assisted me asked me several specific questions to include personal information. My question for him was, " How did my information cross over to the checking account that does not belong to me? '' I criticized him on the security of their banking facility and he said that his banking facility is very secure. I explained to him that it was NOT secure enough to differentiate between a non-checking account holder in the other person 's account to my account. With this mishap, I question the bank 's legitimacy and their policies and/or procedures in allowing this to happen. I would like an investigation be conducted as to possible fraudulent practices that Wells Fargo may have going on, if this action falls within the scope of fraud and/or failure to secure personal information of the account holders of Wells Fargo.
Consumer complaint received 2017-10-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Thrift Investment Corp. (NJ)

I have an account with Thrift Investment for XXXX for an auto loan of a car that was repossessed. At the that time my significant other passed away and he was responsible for the bill and i no longer couldnt afford it. I did try to get the car back from the 3 months that i owed but they wanted the payment of the car in full. This account on my report has stopped me from being able to rent apartments and to get a car. I still am not able to get a car at this time. I would like this account removed. Im even ok with setting up payments to pay my debt back. That year was very hard for me i lost my car and apartment im just trying to get things back in order for me and my son.
Consumer complaint received 2022-09-30
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 (CA)

I received several 0 % promotional APR emails from XXXX XXXX Barclay Card ( screenshots attached ). On XX/XX/XXXX, I contacted Barclay to activate this offer and request a new card be mailed to me with expedited speed. When I did not receive the card within the expedited time frame, I contacted them again on XX/XX/XXXX and found at they had not annotated the requested expedited time frame in my notes and had to generate a new request. There was also a third call required before I finally received my card but I do not remember the dates and details of this call ( I do know it occurred prior to XX/XX/XXXX ). While trying to resolve this matter, I found out that they did not even have records of all conversations I had with representatives. Although I did receive my card, I furnish this explanation as an example that they inadequately annotated my calls. During my numerous calls to Barclay, I also confirmed that the 0 % promotional APR had been applied and was told it had been. Having confirmed that this promotional period was applied, I made a {$3100.00} charge on XX/XX/XXXX. There was also a " fast card fee '' - the fee for activating the promotional offer charged to my account on XX/XX/XXXX. When I logged into my account to begin prompt payments on this amount, I was only presented with the option to pay the minimum balance or the entire statement balance. I contacted Barclay about this on XX/XX/XXXX and was told that I am not currently being charged interest on {$3100.00} but they had no record of a promotional offer applied to my account. They were unable to give me a timeframe of how long I would not be charged interest on this amount or let me know the required date by which it would need to be paid in full. I asked to speak to a supervisor about this and was told it was not possible ( really? no supervisor on duty? ). A complaint was filed asking for a supervisor to call me and help me resolve the matter further. However, I am a doctor and not able to receive calls during most business hours. Furthermore, my phone screens calls from unknown numbers. I asked if I could be provided with a contact number ( or other contact info ) in case I missed the call and was denied. I am concerned regarding a number of outcomes : my interaction with Barclay has demonstrated that they do not adequately annotate their calls and I have concern that they may not have noted their verbal confirmation of my promotional offer. I am also concerned I will not be able to get in touch with a supervisor to resolve this issue. I am further concerned that I will be charged interest due to inaccurate application of the promotional offer on my account, inaccuracy in reporting information to me about the status of this offer, and/or their inability to tell me when the balance must be paid under my promotional terms.
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: EQUIFAX, INC. (GA)

I have two fraudulent injuries reporting on my Equifax credit report which are listed below I didnt not apply or authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CT)

I have been doing business with Barclay Bank for approximately 7 years. This past XX/XX/XXXX I called to attempt to use some of my points for a XXXX vacation. ( One of the reasons I like the card and pay an extremely high fee is because of the rewards program. ) After four of five calls, receiving numerous different reasons of why they could n't access it ... ca n't find the account, computers are down. Then I received a letter stating they were raising my credit limit. Approximately 5 days later, I received another letter saying they were canceling my card due to credit issues. I am in the process of a mortgage modification, however I have never been late with Barclay Bank, in fact, I have a {$5000.00} limit with them and the week or two prior I paid them {$3000.00}. When I called Barclay 's they told me due to my account being canceled, I could not use my rewards points that I earned. I then asked them about my $ XXXX yearly fee and the man told me " well you got to use it part of the year did n't ya. '' This unethical misleading, frankly despicable behavior is what gives banks a bad name. Because of this, we had to book our yearly vacation last minute costing me thousands of dollars extra. I am desperately trying to stay out of bankruptcy and this banks horrible inexcusable behavior is the final nail in my coffin. Please prevent this from happening to any other honest people.