davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (SC)

This complaint is regarding my South West Rapid Rewards card ending in XXXX. In or around XXXX of 2014, I gave XXXX verbal authorization over the phone to charge a down payment of {$100.00} dollars to my credit card for a down payment on a car a friend was purchasing. XXXX XXXX proceeded to charge my card {$1000.00} dollars which i disputed with Chase next billing cycle. Chase issued me a credit and started the investigation. Chase then reversed the credit of {$900.00} and charged me {$900.00} dollars for a payment I never made nor can the vendor show any proof I authorized any charge that I gave them permission to charge my card anymore than {$100.00}. Chase has failed to protect me as their customer and I will also be reporting this to The Consumer Protection Agency.
Consumer complaint received 2017-05-10
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: Experian Information Solutions Inc. (NC)

I normally monitor my credit through   XXXX   XXXX   ,   XXXX   XXXX   XXXX   and now credit wise. I noticed that there was a social security, address, name ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However, two of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have two different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from  XXXX  because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (PA)

XX/XX/2021, I was unable to log into my account with Alliant credit union. I called and was told I was voted out of the credit union. I was never able to access my funds. I was told I would be reimbursed and almost two months later that has not happened.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

They have my spouse name listed as XXXX, this is not correct. Also iam listed as living @ XXXX XXXX co. XXXX. Also incorrect. Also XXXX addresses with similar address, XXXX. co. XXXX this address is correct, the other XXXX similar addreses are not.
Consumer complaint received 2015-08-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

We leased a XXXX Jeep Grand Cherokee through Ally Financial on XXXX XXXX, XXXX. We were told by the Finance Manager at the dealership to sign the Lessee 's Affidavit of Primary Non Income Producing Vehicle Use. He would complete and submit this along with all other necessary paperwork to Ally Financial. All appeared to go through because the vehicle was " funded '' by Ally and we received our payment schedule. We received a letter dated XXXX XXXX, XXXX that we owed {$670.00} ( XXXX Country Property Taxes - {$330.00} and XXXX XXXX XXXX Property Taxes - {$340.00} ) for XX/XX/XXXX and because we failed to file another affidavit by XXXX XXXX, XXXX, we would owe this amount for XX/XX/XXXX as well ( for a total of {$1300.00} ). This vehicle is not nor has it ever been a commercial or income producing vehicle. We completed a XXXX affidavit ( on or about XXXX/XXXX/XXXX according to Ally records ) because we were told the first affidavit was not completed completely by the dealership, XXXX XXXX XXXX XXXX XXXX. This is the XXXX vehicle we have leased for personal use and this is the first time we have been billed for property taxes. And we are being told that we have to pay this even though we did as we were required at the time of the initial lease. We have provided all of the necessary documentation and these charges are erroneous and flawed. We have written Ally ( return, receipt requested mail ) demanding these charges, current and future, be removed from our Ally account immediately We believe the error lies between Ally Financial and XXXX XXXX XXXX but we are told by Ally that we must pay - no exception.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

Equifax fail to delete a negative account older than 7 years. Equifax own conclusion determines that a account can only be on file for 7 years which contradicts it self. Moreover, the account has been sold and the statement from equifax determines the account is been verify but has been sold according to the original source.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

XXXX dba Shellpoint Mortgage Servicing recently acquired my mortgage by Assignment of Mortgage Recorded in NXXXX Public Register Office on XX/XX/2021. Upon trying to call them several times they have advised that they do not have my loan.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO BANK OF AMERICA IN REGARDS TO THE FRAUDULENT ACCOUNT WHICH WAS OPENED UNDER MY NAME, I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES DON'T BELONG TO ME. THIS CARD WAS OPENED WITHOUT MY CONSENT AND WITHOUT MY KNOWLEDGE.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX THIS WAS NEVER A CHRGE OFF, ACCT WAS PAID IN FULL AND I HAVE MY TITLE TO MY XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED USER
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

Since the XX/XX/2017 they have called me 49 time. Most are 3 or more times a day. They stopped sending me paper statements and have tried to get online to pay but have been unable to figure it out. I have talked to the company several time and they have yet to send me a bill in the mail.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (AZ)

Caine Weiner is reporting a debt on my credit file I do know owe. I didn't know about the debt until I checked my credit. As soon a I found out I paid the debt. I never received a phone call or letter regarding this debt. They are in violation. Also, they continue to report the debt and hurt my credit after it's been paid. This is erroneous! It needs to be removed.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (WA)

I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's agents XXXX XXXX https : //www.sprint.com/ and Virtuoso Sourcing Group http : //www.virtuososourcing.com/ for Breach of Contract, Failure to Providing Service, Bait and Switch Sales Tactics of Ipad Contract and Billing, not providing me with a written contract when asked, only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, Bait & Switch Sales/Billing Tactics. This is the second time I 've asked for information of reported debt filled by Sprint.com, and they would n't respond to the Washington State Attorney 's Office and XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Virtuoso Sourcing Group saying Sprint.com has filled a Debt Claim. If Sprint.com does n't response to the State Attorney 's office or Federal Agency 's in Complaints how can the they really be acting in good faith during the sales and service process.
Consumer complaint received 2022-11-08
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: GOLDMAN SACHS BANK USA (MN)

I bought TWO XXXX but was charged for FOUR XXXX and I was charged for something I didn't buy. 

According to the attached XXXX XXXX XXXX XXXX statement, there are TWO charges of {$2000.00}. One is on XX/XX/XXXX and the other one is on XX/XX/XXXX. These charges are for FOUR XXXX when I buy only TWO XXXX. 

As of todat, I still have NOT received the purchase receipt yet. 
Is it too much to ask for a receipt? 

Several unsuccessful attempts have been made to contact both the XXXX, MN XXXX store and Apple card. I have no other choice but to report this to the CFPB. 
In the attached XXXX XXXX XXXXXXXX XXXX, XXXX statement there are two different amounts of refunds. 
The XX/XX/XXXX is for {$2000.00} and the XX/XX/XXXX is for {$2000.00} But in the same statement, there is a charge of {$2000.00} dated XX/XX/XXXX. 
From these two XXXX XXXXXXXX XXXX statements there are TWO charges of {$2000.00}, one refund of {$2000.00} - so the two XXXX purchased had been paid.

ONE charge of {$2000.00} and ONE refund of {$2000.00} - A NET OF XXXX. I need explanation on this one too.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (HI)

I applied for and was granted credit for Sam 's Club, Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com The complaint is two-fold Synchrony Bank continues to deny access to credit account to manage payments or verify balances. I have chatted online, called, and emailed on countless occasions with =out resolution, I can not log into my account it only allows me to pay as a visitor and shows balance due only. Annual Sam 's Club dues payment in the amount of {$110.00} was taken from my account without authorization, I had another card on file and authorized, specifically removed because I can not access account. 

Recent communication by me : Why can't I access and manage my account and have to sign in as a visitor, tried multiple times to resolve, called, emailed, chatting. I only get Sorry we cant access your account at this time taking my Sam 's Club annual dues payment without authorization is unacceptable! Please cancel my credit account. 

I have had no response to any of my communication attempts : Most recent email reply " Delivery has failed to these recipients or groups : Synchrony for your SAM 'S CLUB MASTERCARD ( XXXX ) The recipient 's mailbox is full and can't accept messages now. Please try resending your message later or contact the recipient directly. '' I would like to have Consumer Financial Protection Bureau contact Synchrony Bank and inquire about giving card holders access to their accounts. Furthermore I would like to have Synchrony Bank contact me directly.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint is regarding a charge of {$170.00} from XXXX. 
The services paid for were for swimming lessons, which were cancelled because of CORONAVIRUS. 

I submitted a dispute requesting that we should not be charged for this service because the lessons were cancelled. The business owner is declining to give the money back. So, we paid {$65.00} activation fees ( in XXXX ) and {$170.00} for XXXX lessons. 

Only two lessons were held. The {$170.00} should be fully refunded. We are glad to let the business owner keep {$65.00}. 


I am filing this complaint because Bank of America never settles a dispute in the favor of individuals. It always sides with the merchant. I am requesting CFPB to please ask BOA to settle this dispute fairly.
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, and TransUnion continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX
Consumer complaint received 2016-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (CA)

ACS changed my Lender without letting me know or giving me the option to switch to someone else, which I 'm not happy about. Also, they stopped having me pay a monthly amount, which is super sneaky. Since I 'm not be billed to pay monthly, which I prefer, they skip over MANY months, causing me to accrue LOTS of interest.Let your borrows be aware that if they do n't make a monthly payment that interest will be accrued instead of making it look like the are " current '' in their payment! I have to be vidulent to make sure I send myself a personal reminder to pay monthly, so I 'm not adding all this interest to my account even though it may say I 'm " current ''. That is a sneaky and dirty way to make money off people. Absolutely disgusted!
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Around  XXXX   XXXX ,  XXXX  I sent an dispute letters to Experian,  XXXX , and  XXXX  disputing about the following inaccurate information  : 1.    XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   3.   XXXX   Around  XXXX   XXXX ,  XXXX , I called all credit bureaus for updated investigation status. I was told by Experian that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under th e Fa  ir Reporting Act, the investigation should be done in 30 days. That did n ot happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on  XXXX  I  was told by the apartment complex that this same information disputed in  XXXX  was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.     In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the  manager  to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.     Thanks  XXXX   XXXX
Consumer complaint received 2016-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HANCOCK WHITNEY BANK (MS)

My wife and I closed our Hancock Bank accounts today, XXXX XXXX, 2016. We only did this because the bank sent us a certified letter notifying us that it was going to close our accounts on XXXX XXXX, 2016. We were surprised to be charged a {$20.00} account closing fee for each of the accounts. As you will see in the attached letter, the bank provided no reason for the account closures. We never had any problems dealing with the bank. 

We feel this is outrageous. We would like our {$40.00} to be returned to us.
Consumer complaint received 2022-11-07
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: FactorTrust, Inc. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I sent a letter out on XX/XX/2022 to Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (MS)

My home owners insurance has not been paid by XXXX and it defaulted XX/XX/2021. This is the second year in a roll my insurance lapsed by more than XXXX weeks the insurance company has sent XXXX the bill XXXX different ways since XXXX and still isn't paid or consulted with insurance company. The insurance company isn't sure they will even reinstate my policy after it being past due so long and with all the problems they've had from XXXX.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX  XXXX XXXX XXXX XXXX number XXXX. Our XXXX  XXXX XXXX XXXX have a Us bank  business account number XXXX, Routing number XXXX. Our XXXX  XXXX XXXX XXXX, Us bank business account are place on hold by Us bank  XXXX XXXX with out our authorization or merit. XXXX  XXXX XXXX XXXX, Us bank business account number XXXX, have {$110000.00} Capital Funds on hold since XX/XX/2022, and denying XXXX  XXXX XXXX XXXX XXXX of directors, no access to the {$110000.00} Capital Funds for daily business. This unfair action by Us bank  XXXX XXXX, violate, California XXXX Fair Business Practice Act Protection laws, California Deceptive Trade Practice Act Protection Laws, and the California unfair Competition act Protection laws.
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I do n't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. 

Here 's what happened : ( My Ink card billing cycle is mid-month to mid-month ) In early XXXX I made a purchase for {$1600.00}. On XXXX the statement came ( Closing date is XXXX, payment due date XXXX ). I paid $ XXXX.- dollars on XXXX before the due date leaving a balance of {$810.00} unpaid. It is my understanding as well as that all other credit cards do such, that the interest charged will be on the residual due balance from the XXXX cycle. 
In XXXX as recent as XXXX, one day before the closing date of the XXXX statement cycle I made some business related purchases of around $ XXXX.- in the time frame of XXXX to XXXX. 

When I got the XXXX statement around XXXX XXXX I see on it an interest charge of {$110.00}. 
That ca n't be I thought, {$110.00} in interest charges for a residual balance of {$810.00}!? 
That would amount at an annual 29.99 % charged applied p. Month to an annual interest of {$1300.00}!!! That would amount to 359.88 % in interest!!! 
Looking in the back of the statement on the last page it says under -31 days billing-. " Balance subject to interest rate {$4500.00} '' .... 
Wait a minute! What calculation is that? I just got the statement and it will be due by XXXX! 

I called Chase Credit Card Ink customer support and like them I recorded the conversation. Rather unfriendly, curt and dismissive I was told by a supervisor that if every month the balance is not paid in full interest applies immediately to the current running balance AND INCLUDING ALL NEW PURCHASES. 
WHAT? 
I never heard of such a thing. I asked several people and all unanimously said that ca n't be, that 's why there is a " grace '' period, and in my case the stated 31 day billing cycle. 

Further attempts to clarify this with Chase yielded nothing except ignorant. arrogant and irrelevant answers.