davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
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: SYNCHRONY FINANCIAL (CA)

Paypal XXXX XXXX  Synchrony Bank advertises 2 % cash back on all purchases. 
I have had my Pay Pal XXXX XXXX for 24 months. I have never been late on a payment and pay my card balance in full each month. I have a excellent credit above XXXX. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating my account has been closed due to " high risk of failure to pay. '' This notification comes with over {$6300.00} in purchases made up to 60 days prior to any notification where I will not earn the advertised " 2 % cash back ''. Following several calls to customer service no one can explain the verbiage of " high risk of failure to pay '' or can help with honoring the " 2 % cash back on all purchases. '' I have been told once the account is closed all prior purchases are not eligible for cash back prior to the closing notification. I made these purchases in good faith using the Pay Pal XXXX with the expectation Pay Pal XXXX XXXX Synchrony Bank would provide the advertised 2 % cash back. If I would have been notified of this closure I would have happily used another credit card that honors what they advertise in rewards. 

Please beware of Synchrony Bank and Pay Pal XXXX XXXX!
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-05-19
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. (CA)

There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - XXXX
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Messerli & Kramer P.A. (ND)

I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.
Consumer complaint received 2021-02-07
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my account.
Consumer complaint received 2021-06-26
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. (PA)

XXXX says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX  accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.
Consumer complaint received 2016-03-10
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TFC Group, LLC (CA)

I now owe more than my original loan even though I have paid thousands towards it. I am now 60 days past due. They are calling third parties asking them to about my whereabouts and telling third parties about my financial situation. They have also harassed me with a false phone call from a police officer stating that I am to either make a payment or return the car. They call the same third parties multiple times which most are complaining that these calls are harassing. The creditor states that they have every right to make these calls.
Consumer complaint received 2021-02-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been stolen.
Consumer complaint received 2021-02-07
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: Westlake Services, LLC (WA)

There were 2 credit inquiries on XXXX XXXX, 2021 by XXXX XXXX and XXXXWestlake Financial Services regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my credit score on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX I also enabled temporary credit fraud alert on XXXX
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (MS)

Abusive mortgage servicing practices, this is a violation. Improperly and wrongfully increasing permenately modified loan payments and failed to pay property tax disbursments on times, this is a violation of RESPA. Then I was under Ch.XXXX  bankruptcy and you shortage my escrow payments by failing to analyze accounts properly.
Consumer complaint received 2021-02-06
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: JPMORGAN CHASE & CO. (KS)

XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a Chase ink Business Cash credit card by Chase ink with account number XXXX XXXX XXXX XXXX. Chase ink did not make me aware that I would be personally liable for XXXX, XXXX Chase ink Cash credit cards debt of {$36000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of 12 cycles, each started with 4-hours XXXX at XXXX XXXX and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my XXXX  and on my XXXX. 

On or about XX/XX/XXXX Chase ink replied to my dispute by mailing me last three billing statements of the above business credit card to me.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Resident of XXXX XXXX my unemployment funds were added to my prepaid EDD card the early hours of XX/XX/XXXX, at XXXX I called to let Bank of America know that the max withdrawal had been made in a completely different city than I was. BOA rejected the claim less than 24 hours later and have not provided and would not respond to question about camera footage that they had advised they would obtain. 
I sent proof of my location via XXXX phone tracking and an image of my govt issued photo ID ( which they requested but did not wait for before dismissing my stolen money ).
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

I've been trying to make a payment before the due date and the payment system isn't letting me set the desired date which is before the due date. 

I have tried to chat with any representative unsuccessfully, they just left me hanging with no answer whatsoever, very disrespectful and poor customer service. 

It is clear that they are charging all interests up to the due date instead of give the client the benefit of not paying daily interests. For a single client isn't a lot of money, but think about the strategy of deceiving millions of clients with the same tactic. I can imagine how many millions of dollars they are making with this single deceitful act.
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (FL)

I was contacted by XXXX XXXX who offered trading services as an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX is not regulated in USA where I live. I now understand that XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. this fraudulent company opened the bank accounts with East West Bank here in the USA. The beneficiaries were XXXX XXXX and XXXX XXXX. who received the monies that I sent from my bank ( XXXX XXXX ). I was also a victim of East-West Bank because they should never have engaged with XXXX XXXX. If they had done proper due diligence with their client, obtained KYC documents and followed anti-money laundering laws, East West Bank would have realized they were a scam. I would say it is likely East West Bank knew they were a scam and engaged with them simply for their own monetary gain at the expense of victims like me. My attorney has sent a letter to East West Bank ( see attached ), detailing all of the above and more, to which they gave a very unhelpful response ( see attached ). I want East West Bank to either retrieve my monies from their client XXXX XXXX or in the alternative, to reimburse me for my painful loss of {$54000.00}
Consumer complaint received 2017-03-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). 

The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ). They did not do their diligence in obtaining the approval to complete a additional loan modification to assist the client in obtaining their loan with the VA.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IA)

I had a balance transfer amount remaining that was coming due on XX/XX/XXXX. Chase does not offer an option on their website to allocate a payment to a particular purchase with an outstanding balance. I called the company on XX/XX/XXXX and spoke to a payment representative and asked if I could allocate a payment directly to the remaining balance of the balance transfer in order to avoid interest payments or fees on that balance transfer. The payment representative told me yes, she could accept a phone payment and allocate the payment directly to the remaining balance transfer amount. I then gave her my banking information and she transferred the funds and told me the payment would be allocated to the balance transfer amount. I received my XXXX statement, and the payment I had made had not been applied to the balance transfer amount. Instead, Chase applied the payment to the balance with the highest interest rate. Therefore, I was then charged interest on the remaining balance transfer amount. I called Chase on XX/XX/XXXX ( today ) and spoke with 3 different representatives that told me that I was misinformed. Chase payments above the minimum balance are always applied to the balance with the highest interest. Since the balance transfer amount at the time of the payment I made on XX/XX/XXXX was still a 0 % balance, the balance was applied to my highest balance. The last representative I spoke with today, XX/XX/XXXX, did agree to credit me for the interest I was charged on the remaining balance transfer amount, but she said she could not correct my account to allocate the payment I made by phone on XX/XX/XXXX to fully pay off the balance transfer amount because that was not their policy. Essentially, under their policy, I have no rights on where I want my payments to be allocated in order to avoid interest fees or charges. If I had known and understood their policy, I would not have continued to use their credit card until my balance transfer had been paid in full. Under their policy, no one that continues to use their credit card, will ever be able to pay off a balance transfer amount if they continue to use the card to purchase items because the highest amount of any payment during the promotional period will always be applied to the balance with the highest interest, which is not the promotional balance since that balance is 0 % during the promotional period. I STRONGLY feel this is fraudulant practice on the side of this card, and if this sadly does not meet the legal definition of fraud by a credit card company, this is absolutely bad and unfair practice.
Consumer complaint received 2021-02-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MA)

I have disputed this collection 6 times and it was taken off my report years ago and put right back on I have screen shots of proof now they are calling me with a new amount saying lcvc was originator but they are collecting I told them it was deleted 3x and they didnt care
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Last XX/XX/2020 I decided I would like to open up a secured card with city card so I gave them {$600.00} and shortly there after the roommate that I was living with stole the card and moved out nowhere to be found. I explained all of this to the overseas fraudulent resolution department at city card and city card in shored me that they were going to completely XXXX out the balance so The {$600.00} security payment that I made would be returned to me since I never once used the card and I want to make that clear upon my conversation with the gentleman in the fraudulent department he said we are going to send you a check and its for {$4.00}. I said wait a minute I gave you {$600.00} as a security deposit never once had a chance to use the card you know it was fraudulent because you wiped off the fees and now youre refusing to give me back my {$600.00} at this point I have my lawyer on retainer and I expect city card to do the right thing and mail me my {$600.00} security deposit from last year not XXXX dollars at this point this is causing me much XXXX  pain and suffering and my attorney said we can include all of that in the litigation so its going to end up costing Citibank much more money and legal fees much more money in additional pay out because were going to sue big if were going to go to court and if you choose to not send me back my money you are stealing from your customers. CFPB this is just another example of big bank taking advantage of the small consumer especially during COVID-19 when many Americans are struggling to put food on them on their table I find this really really disrespectful just tasteful and dishonest.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I applied for a mortgage with a company called better mortgage and they officially denied without obtaining all documentation. They should have obtained a condo questionnaire from the seller before officially denying me and repulling credit multiple times which was not needed because the hoa was non warrantable but the lender failed to collect this document from the seller outlining it and they were given multiple chances
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

Received notice by email that, unless I responded, that I would be switched to paperless billing. I would never have received this. I just happened to check by junk email as I do periodically and caught this. 

This removed the consumers choice because they are slipping this choice under the door without announcing it. It could result in late fees damaged credit reports and other issues. It is unethical and immoral violating their own agreement to notify their customers in writing of changes to billing. 

It benefits only Chase and is misleading and a poor way to do business. It also takes advantage of customers. At a time when it would be very easy to get behind in your payments and be more difficult to catch up, this trend ( the second company Ive seen do this ) is dangerous ; it damages consumers choices and can damage our economy. Its foolhardy and inappropriate. It just stop.
Consumer complaint received 2021-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (DC)

Around XXXX XXXX, 2020, Nelnet made programming changes that caused Nelnet borrowers with older browsers/computers to be cut off from their account data. 

The Nelnet homepage works fine. The dialog boxes used to login by providing user name and password work fine. But once logged in, the XXXX XXXX XXXX is not presented with their " dashboard '' as previously was the case for many years, but is instead presented with only a blank screen and two buttons : HELP and LOGOUT. 

Browser XXXX  XXXX. 
This browser can not be upgraded on my computer. 
This browser works for all other websites.