davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank handles several store credit cards, XXXX,  XXXX, XXXX, and others. In a review of my accounts I find that I do not receive the advertised purchase discounts on my purchases. Example ; on my XXXX store card I am to receive a 5 % credit on all purchases, however a review of the account shows XXXX of dollars of purchases so far this year with no credits at all. Over the years I have used this card this has resulted in several hundred dollars of rewards that were never posted or received. This seems to be more than just an accounting error and perhaps should warrant an investigation to determine how far reaching this practice has gone and for how long.
Consumer complaint received 2022-08-05
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: FORD MOTOR CREDIT CO. (FL)

As dated XX/XX/2022, I, XXXX XXXX, Consumers went to the Ford dealership at XXXX XXXX XXXX XXXX to extend my credit to purchase a vehicle, however, my credit application has been denied and I dont know why and need an explanation of why I was denied credit by Ford .
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MI)

I have a Chase credit card, and have it for 8+ years. I always pay my statement balance in full, and therefore am never charged interest. However, this past month, I did not pay my full statement balance. This left a difference of {$140.00} subject to interest charges. However, on the following month 's bill, my statement said {$820.00} was subject to interest charging. 

I called Chase to get an explanation. They could not provide an explanation, but credited my account for the full amount of interest I was charged. This makes me worry that Chase -- a large financial institution with a history of deception practices -- may be overcharging consumers. I consider my knowledge of finances to be above-average. But I fear that the typical consumer would not raise any issue, and then be overcharged for interest they should not be paying. 

I would appreciate someone investigating this potential abusive practice.
Consumer complaint received 2020-06-22
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. (VA)

There are inquiries on my credit report through Equifax in which I did not authorize. I have contact the companies and they told me to contact Equifax. However, when I disputed through Equifax they stated that they could not do anything. The following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (TX)

hello there has been multiple charges on my XXXX credit card that i did not authorize. i reported them twice and the company refused to credit them back to my account. i reported them by phone and once by mail. when i called once i found out that the transactions i discussed on the phone was not reported correctly to their fraud department. probably because an operator error that couldnt report it correctly. based on master card zero liability i am not liable for somebody else spending my money and i reported those transaction less than a month of the charges happened but they didnt process it and then they said its too late! the list of all fradulent transactions are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it is more than XXXX $ of transactions that the credit card company is refusing to credit back
Consumer complaint received 2020-06-22
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. (NC)

XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove
Consumer complaint received 2020-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX : Single Item Water Softener Purchase for XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Request for Arbitration Dear Aqua Finance Inc,  This letter is to advise that The Holder Rule is being exercised in reference to the above referrenced account. 
I would like payments suspended till a resolution is reached with this account : 1. There was no authorization provided to open a revolving account with Aqua Finance Inc. and/or XXXX. No promissory note was signed and disclosures were presented and/or discussed. 
2. There was no disclosure of any interest rate. The understanding was for there to be payment of {$39.00} till the equipment is paid off.

3. None of the equipment operates or is functional. And is not being serviced by the account representative as promised. Failure to perform makes their contract void. 

Based on these issues, and potential others, there needs to be an arbitration meeting to discuss how both parties will resolve this issue. 

I look forward to hearing from you on how this can be resolved. 

Regards, XXXX XXXX
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (MS)

I ca n't remember the date right off hand but the company took XXXX from me saying I had unpaid prepaid card bills they would call me unknown saying they need money for unpaid bills this the other week they called saying I would have to send money for unpaid prepaid cards I do n't understand why would they take from me!!!! I thought prepaid cards was free
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXXXXXX at XXXX XXXX Received a Text to my cell number : I do not have any such account. 

Below is the text : ( Pay*PaI.Support ) UnusuaI login has been detected-XXXX Follow Steps : XXXX XXXX XXXXXXXX
Consumer complaint received 2017-09-06
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. (AL)

I noticed inquiries on my Equifax credit report that I did not recognize, after I made Equifax aware that the inquiries were not mine. I also let them know that I had disputed the inquiries with the companies that requested them and they were not able to produce any applications signed or otherwise proving that they had written consent to access my credit report. The supervisor I spoke to, XXXX, flat out REFUSED to investigate or initiate a dispute for any inquiry. There are over XXXX inquiries on my report that I did not authorize from companies I have not even heard of.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a paid and satisfied Ga tax state lien that has been released on XX/XX/2017 from the XXXX XXXX XXXX XXXX. I have submitted the information over to all credit bureaus, XXXX, XXXX, and Equifax. All bureaus besides Equifax have released and removed the lien from my credit report. I have called Equifax on several occasions to se reason on why they wont remove this lien from my report.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (HI)

I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.
Consumer complaint received 2017-09-06
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. (NC)

I have multiple inquiries for credit cards And loans. I had my wallet stolen like 12 months ago ever since then people have been getting or trying to get things in my name.
Consumer complaint received 2017-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Home Mortgage Foreclosure Attorney - XXXX XXXX XXXX has filed a lawsuit against me WHILE I AM CURRENTLY in loan modification review with Wells Fargo for my mortgage. 

I feel this is a violation of the dual-tracking laws. 

XXXX XXXX XXXX should not be pursuing a lawsuit against me during a loan modification review with Wells Fargo. 

I do not have XXXX which most attorneys want as a retainer to fight the district court complaint filed in XXXX XXXX against me WITH A RESPONSE DUE BY XX/XX/2017 or I am in default. 

I need help ASAP!
Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I fell on hard times and took out a small pay day loan to help with bills through Ace Cash Express. I unfortunately was not able to pay the loan off and have since been in the process for filing for bankruptcy. I have received numerous harassing phone calls in the past and at that time had my lawyer reach out to them on my behalf. I received a phone call today from a blocked phone number stating that I have a court date that I must attend for a lawsuit and to contact a mediator for further assistance. Upon doing that I spoke with a representative that informed that ACE is suing me for writing a bad check? She said that she talked down the price with Ace to half the cost with it being due immediately or they can try to garnish wages etc. I am not 100 % sure if this is a scare tactic as I feel uneasy just giving out my information.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
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: NRA Group, LLC (NY)

I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ).  The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Chase bank paid a {$500.00} fraudulent check written on my account which had no signature on the front of the check. They said the check would not have been accepted if brought into a branch for cashing/deposit, but because the transaction was remote deposit capture no one looks at it and it gets paid automatically. They said the other bank was at fault for allowing the deposit to be initiated. It does not sound like they have sufficient controls to protect consumers from fraud for their remote deposit capture processing. It also seems unfair to admit the check would not have been accepted in person, but because it was paid via XXXX  I have no recourse. 

My fraud claim was denied by the bank because the check was stolen from my vehicle, but I dont believe the check should have been paid in the first place due to a lack of any signature on the front of the check.
Consumer complaint received 2018-06-02
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (PA)

I was told by Sallie Mae that forgiveness is available for my PRIVATE college loans, but have had difficulty in getting clear, precise information,, I have read and been told that forgiveness for private loans doesnt exist, Sallie Mae told me after 80 monthly payments the remaining 60 % of my college debt would be forgiven,, I am trying to determine if this claim is legitimate before signing a loan with Sallie Mae
Consumer complaint received 2017-09-06
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. (PA)

IN XXXX OF THIS YEAR 2017, MY HUSBAND AND I PAID OFF A TRUCK LOAN IN THE AMOUNT OF OVER {$8000.00}. ABOUT TWO WEEKS LATER HE LOOKED AT HIS XXXX XXXX AND HIS SCORE WENT UP OVER 40 POINTS. I LOOKED AT MINE AND MINE WENT DOWN ALMOST 50????? WHY, NO ONE CAN TELL ME AND I WOULD LIKE TO KNOW. NEXT MY CREDIT WAS IN THE LOW XXXX 'S. i HAVE BEEN PAYING OFF CREDIT CARDS THAT WERE SOLD TO ANOTHER AGENCY. I PAID OFF TWO AND WORKING ON THE 3RD. SINCE I HAVE BEEN PAYING OFF CREDIT CARDS MY SCORE WENT DOWN 140 POINTS AND OVER. HOW HOW CAN THAT BE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. I AM SO DISGUSTED THAT I HAVE DONE EVERYTHING RIGHT TO UP MY SCORE AND THIS IS WHAT HAPPENS, BALONEY.
Consumer complaint received 2018-06-02
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. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-09-06
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. (NY)

I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Consumer complaint received 2017-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I just received a letter from my current student loan servicer, Fed Loan, dated XX/XX/XXXX,  which states that I have made a total of 23 qualifying payments towards PSLF. However, this is incorrect as I believe this only reflects payments made while my loans have been serviced by Fed Loan since XX/XX/XXXX. I have been making qualifying payments under an approved IBR plan since XX/XX/XXXX, when my loans were serviced by XXXX. I believe there should be another approximately 24 months of qualifying payments. 

I am asking for a statement which includes ALL qualifying payments I have made on my loans, including all servicers of my loans. 

I am also requesting a payment history on my entire loan history, including all servicers of my loan. I can not view this history on Fed Loan 's website. 

I am attaching theXX/XX/XXXX letter from Fed Loan, as well as a statement I have from XXXX from XX/XX/XXXX which shows my IBR payment due of {$450.00}, of which I made 12 payments from XX/XX/XXXX through XX/XX/XXXX. I do not have a copy of my statements from XX/XX/XXXXthrough XX/XX/XXXXwith  XXXX, as I no longer have access to the XXXX account since my loans were service transferred to Fed Loan.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (LA)

XXXX XXXX XXXXl XXXX. 
opened XX/XX/XXXX I had XXXX 3 weeks after transferring jobs. my previous employment I had insurance, and did n't receive insurance for 90 days at the new job. I was eligible for XXXX insurance but they did give it to me. 

XXXX XXXXs XXXX XXXX opened XX/XX/XXXX I gave them my proof of insurance but they did except it..
Consumer complaint received 2017-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Instead of putting extra money I pay each month towards my principle to lower my loan they continue to add it to a future payment. When I called, the service center is outsourced, specialist said to the let the loan ride a few months without payment ( even though I pointed out that would mean Navient is still collecting interest those months ). Asked to speak to a supervisor and she told me the same thing, said she could n't help because I had impeccable payment history. Requested through XXXX messaging and email a phone number for someone I can speak to regarding fixing my loan payments, and get referred to the outsourced number and now being completely ignored. 

What I am trying to do is send all extra funds to principle instead of future payments, I do not want to pay ahead ( advance payment counter ). I would like them to go back and reapply all extra that I have paid the last six plus years to the principle. This can be done, multiple former employees said if I ask it can be done and that Navient counts on people to pay the loan ahead to keep interest building. I would like this corrected for my account.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made a XXXX withdrawal for XXXX from my Coinbase account to my bank account on XXXX XXXX, 2017, but it has n't arrived yet. It has been more than a month now. The withdrawal is marked as " completed '' on my Coinbase account page, but my bank account has not been credited! I have been trying to contact customer service, but this is notoriously impossible at Coinbase. A copy of the history of my one-way conversation with Coinbase customer service is attached.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer Navient. Navient failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted Navient and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by Navient would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, 2017 advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, 2017. I called Navient and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is Navients policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

Navient, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which Navient agreed to and approved, according to this letter Navient still would have reported the delinquencies to the credit reporting agencies.
Consumer complaint received 2018-06-02
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. (PA)

I disputed 1 item on my report. The notified me that the investigation was complete. I was to go online and get the results. I have not been able to get the information online. When i finally got the number to call they said the had many complaints of the same nature. It has been over a week and still nothing. I am still unable to obtain credit because of a misreporting in equip. I have had credit for 35 years and never never a problem I am at a loss as to what to do.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. 

Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.