davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (UT)

Macys XXXX : This account was paid off and they kept sending me a bill each month. I tried through numerous attempts to get them to close my account, with their being no balance I would get a bill the next month with a balance. This should not be reporting on my credit report negatively.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MN)

I had unauthorized use of my debit at an atm in XXXX XXXX and at same time they used the card to make purchases at XXXX XXXX. I always have the card with me. I never make purchases with it. Tcf is saying it is me according to the chip reader and are not willing to investigate further. I have filed a police report and tcf seems uninterested. They have done this a couple times a month since XX/XX/2020.
Consumer complaint received 2018-06-07
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: Conn's, Inc. (OK)

I was alerted that I had credit inquiries from someone trying to get credit under my name I notified the companies and the credit bureau that I had fraud and identity theft happening now they are refusing to take the credit inquiries off my credit
Consumer complaint received 2018-06-07
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. (GA)

The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to XXXX for the same amount. XXXX never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so XXXX XXXX has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (CO)

I have had a credit line with Synchrony Bank via a PayPal Credit account associated with my PayPal account. PayPal provided this line of credit to me in XXXX ( I don't know if and when they began the relationship with Synchrony ), and my credit limit increased over the years to {$3400.00}. 

Never in the history of this account have I made a late payment or missed a payment. 

During XXXX, a loss of income forced me to use this credit line to the limit. I continued making regular monthly payments. I never missed a single payment. 

On XX/XX/XXXX, I sold my home and paid the outstanding balance on this credit line in full. It has remained at a {$0.00} balance since that time. 

Two months after paying off this balance, I received a letter dated XX/XX/XXXX from PayPal Credit c/o Synchrony Bank, that began with, " After a review of your account, Synchrony Bank has decided to close your account. '' One of the items cited as reason for closing the account was the information they gathered from my credit bureau report. Then they wrote, " While the date of the credit score may not be recent, your score has likely not changed significantly since this date. '' When they wrote this my credit score was XXXX, according to XXXX XXXX  FICO 8 formula. However, after I lost {$3400.00} of available credit and had an account closed by the provider, my credit score dropped again all thanks to Synchrony Bank.

No one from this company or PayPal ever called me, emailed me, or requested any information of any kind before this obviously automated decision.

Funny that this occurred in the middle of the COVID-19 shutdown, and that I am underemployed and might actually need this credit to purchase food or other necessities. Not only did Synchrony Bank not offer any relief, they actually punished me for using my credit line and making every single payment on time and paying the balance in full!
Consumer complaint received 2020-06-25
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/XXXX, I closed a refinance loan with Quicken Loans. During the process Quicken Loans estimated my taxes incorrectly. They based the tax amount to be paid on the taxes which were paid during the previous year ( XX/XX/XXXX ).  This proved to be a huge error as my home was a new-build during the previous year and the tax rate was significantly different.

On XX/XX/XXXX, I received a letter from Quicken Loans informing me that I was required to pay {$4500.00} to their company as a result of " changes in my taxes or insurance ''. Quicken Loans gave me the option of paying a lump sum for the full amount or dividing the amount into 12 payments which would increase my mortgage by {$640.00}. The increase in payment was to begin on XX/XX/XXXX. Since that time, I have spoken to several Representatives at Quicken Loans XXXX XXXX   number. The only other option I have been offered is to spread the amount 24 payments. I have reluctantly agreed to after much discussion, debate, and dispute. I have offered their representatives many different solutions, all which have been denied.

Even after spreading the shortage amount over 24 monthly payments, I am still going to have to pay approximately {$450.00} more a month on my mortgage. I do not feel that my family and I should have to experience the hardship created by the error Quicken Loans committed. Especially since the tax rate in my city and county can be easily figure it out by running a simple XXXX search.

I also feel cheated as the huge difference in payment lured me to refinance, which resulted in my agreement to pay unnecessary refinancing fees and costs. I even wonder if Quicken Loans Representatives used this error as a tactic to entice me into their fees.

I am hoping that you're Bureau can assist me with this matter as I feel that I may experience a very extreme financial hardship due to the above error.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (WV)

I noticed a couple of inquiries on my credit reports on XXXX, XXXX and Experian that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report : XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (TX)

TO THOM IT MAY CONCERN, I AM AT A LOSS FOR WORDS ON WHAT I JUST EXPERIENCED. I RECEIVED 3 CALLS WITHIN A COUPLE HOURS FROM PHONE NO. XXXX. I CALL THE NUMBER BACK. A WOMAN BY THE NAME OF " XXXX XXXX '' ANSWERED AND STATED THAT SHE WORKS FOR " XXXX XXXX XXXX '' AND THAT IF I DIDNT PAY A CERTAIN OLD DEBT ( THAT WAS RESOLVED YEARS AGO FOR IDENTITY THEFT ), SHE WAS GOING TO HAVE THE SHERIFF COME TO MY WORK AND ARREST ME TODAY. I TRIED TO EXPLAIN THAT THIS WAS NOT RIGHT AND I NEEDED TO SPEAK TO A SUPERVISOR. SHE SAID SHE WAS THE SUPERIVOR. WHEN I ASKED AGAIN THE NAME OF THE COMPANY, SHE HUNG UP THE PHONE. I CALLED BACK AND THE SAME WOMAN PICKED UP THE PHONE, BUT CHANGED HER NAME TO " XXXX '' ... AFTER HEARING THE NAME CHANGE, I ASKED HER " DID YOU SAY YOUR NAME WAS XXXX? '' SHE HUNG UP ON ME AGAIN. I CALLED 3 MORE TIMES BUT THIS TIME NO ONE ANSWERED THE PHONE. I THEN USED MY OFFICE PHONE NUMBER TO CALL. THIS TIME A DIFFERENT LADY ANSWERED THE PHONE ... I EXPLAINED TO HER THAT I WAS JUST THREATENED AND HUNG UP ON. I THEN ASKED HER TO PLEASE PROVIDE ME INFO OF HER COMPANY, AND SHE HUNG UP ON ME TOO! BY THIS POINT, MY BLOOD IS BOILING. I WAITED AN HOUR AND CALLED AGAIN. THIS TIME A MALE ANSWERED THE PHONE ( HIS ALLEGED NAME WAS " XXXX XXXX '' ) ... HE TOLD ME THAT I NEEDED TO PAY WITH A XXXX OR XXXX FOR THE {$810.00} DEBT OR ELSE THE COMPANY WAS GOING TO TAKE A JUDGMENT OUT AGAINST ME FOR FRAUD AND BREACH OF CONTRACT ... AND THE SHERIFF WAS GOING TO ARREST ME TODAY. I TRIED TO PLAY DUMB SO THAT I COULD GET MORE INFORMATION. HE TOLD ME THAT HIS COMPANY 'S NAME WAS " XXXX XXXX '' ( DIFFERENT THAN WHAT THE 1ST LADY SAID ). WHEN I ASKED HIM WHERE HE WAS LOCATED, HE GOT ANGRY AND SAID " LOOK DO YOU WANT TO PAY THIS NOW OR DO YOU WANT TO GO TO JAIL '' ... I SAID YES I WANT TO PAY BUT I NEED TO KNOW WHO I AM PAYING ... SO I ASKED AGAIN WHERE THE COMPANY IS LOCATED ... AND THEN HE HUNG UP ON ME!!! PLEASE PUT A STOP TO THIS EGREGIOUS AND OUTRAGEOUS FRAUD! I CAN NOT BELIEVE THIS JUST HAPPENED!
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

On Friday, XX/XX/XXXX I received an email from Citibank about my revolving credit limit. My revolving credit limit was {$15000.00}. On XX/XX/XXXX the email advised me that my new credit limit was {$3300.00}. I have never once missed or been late with a payment to this account ( or any of my accounts for that matter ). This left me with an available balance of approximately {$90.00}. In the middle of a pandemic when I needed them the most, they took away my entire credit limit. I checked with XXXX  to make sure I didn't have a problem. There is nothing delinquent or derogatory on my report. My credit score is XXXX, maybe not perfect but decent. Citibank advised me that my credit was reduced due to my credit score. 

When I asked to be transferred to the credit department they told me they were unavailable for phone calls and that there was no way to reach them. HOW SHAMEFUL IS THAT??? I can understand in these trying times to reduce a credit limit, but to reduce it by {$12000.00} is completely unacceptable. When I asked to put a partial amount back they refused. Citibank should be ashamed of themselves!!! 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-10-04
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. (GA)

This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

-XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX XXXXankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

I use PNC for my personal finances and XXXX for my business banking. Unfortunately PNC will not allow the linking of my two accounts, so anytime I need to pay myself I am unable to do so electronically. This is a huge inconvenience and appears to be unnecessary considering the security protocols in place to enable account connection between the two banks.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

I have an XXXX XXXX Credit Card with Chase Bank. I received an email from Chase today, XX/XX/18, at approximately XXXX EST stating that I am now enrolled in their digital emailing service for any account that I already accept paperless statements. I do not have any paperless services with Chase. The email states that I will still receive paper mailed services where required by law, however, when I verified my account, Chase had automatically enrolled me in e-statements and " other information '' digital services without my affirmative consent. In the past, I have actively denied Chase 's offers for e-statements several times so I strongly feel they are violating the e-sign act ( and TIS ) by signing me up for a service that I : ( a ) did not affirmatively consent to ; and ( b ) received no information regarding any potential fees or charges associated with this. There was also no definition of what " other information '' digital services was. There was a link to their security page which ( buried within that page ) is their privacy policy, but nothing that stands out or refers directly to the terminology contained in the email. 
In order to correct all of this unnecessary hassle, Chase provided a link within the email to 'check my digital communication settings '. The link brought me to the Chase home page where I had to log into my account, find my way to the " paperless options '' and manually unsubscribe for these services I did not consent to. 
If this is happening to me, how many other Chase customers received the same message but don't realize they are now enrolled in a service they may not want?
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

Five months ago I bought a used car which got financed by a so called WESTLAKE FINANCIAL SERVICES CO out of XXXX CALIFORNIA I also bought the extended warranty and the GAP insurance. Two or three days later after I bought the car the engine light came on and its been an nightmare since then. XXXX XXXX was the day of purchase and to this day XXXX XXXX the estimated repairs needed exceed any amount of money I have. I tried talking to the dealership but they refuse to work with me Im talking about more than {$3000.00} dollars in parts alone. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (NY)

Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CO)

Last year, within a 4 month period, I was approved for 2 credit lines through Synchrony bank. The first was with XXXX XXXX in XX/XX/XXXX with a {$500.00} limit, of which I used the entire amount. 
The second was in XX/XX/XXXX with XXXX XXXX, for {$1200.00}, of which I purposely used much less of the available credit to keep my debt to credit ratio in check. And in XX/XX/XXXX, knowing i was going to apply for another refi when the interests rates dropped again, with the purpose of bringing my credit ratio under 30 % of the available balance, returned one of the products I purchased from the vendor. 
I made the payments on-time for months for both accounts with no late payments In XXXX i received a letter that they were lowering my credit limits to within a couple of dollars of my outstanding balance on both accounts- due to the fact that I limit my own credit lines and try to pay cash for purchases, this completely wrecked my credit ratios, and has now affected my refinancing loan for my house AND is disallowing my business to be qualified for marketing with a consumer protection company that wanted to showcase me to a national audience. 

By no fault of my own I was subjected to financial damage by a bank that refuses to give me even a document I requested on company letterhead acknowledging my initial high credit limit to pass along to the financial professionals I am trying to do business with, and, as is stated in the recorded call with the Manager I spoke with, they used information that was READILY AVAILABLE at the time ( s ) I was approved for these lines of credit, as a post factum reason to cut my credit limit- as stated, had I known, specifically on the Sweetwater account, that this would happen, I never would have entered into this financial contract with them and put my credit score at risk to begin with. 
If I was at all a credit risk, they ethically never should have given me a SECOND - LARGER credit account and/or approved my for such a high limit based on the low amount of the purchase I made. To this day I STILL have not been late on a payment.

Due to the reckless disregard of this bank, their mis-furnishment of information to the credit bureaus, and by no error of my own, my family is now subject to a higher interest rate on my home, which is costing us thousands of dollars a year, and my business is suffering potential rejection from a consumer advocate and marketing organization that promotes businesses and financial professionals like myself on a nationwide basis.