davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I consolidated all my loans in XXXX for public service loan forgiveness. This was done and all XXXX loans were consolidated. Mohela stated in XXXX that I had multiple loans not consolidated and to contact a company called XXXX  who deals with loan consolidation. I contacted them the same day XX/XX/XXXX and they stated they had record of all loans being consolidated but they do not have any loans currently to consolidate. Mohela is claiming they do not consolidate loans and I need to contact XXXX  but they do not have any information regarding my loans that I am trying to consolidate. These loans appeared randomly on mohela and I already consolidated them.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fundo LLC (MO)

I did make the mistake of taking out a business loan with this company. The business fell on hard times and I could not afford the loan. They put a lien on a personal bank account of mine causing it to be closed. Which goes against information published on their web page that there is no personal guarantee. Additionally, they keep refusing to cease and desist communications.
Consumer complaint received 2024-03-06
Product: Credit 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: JPMORGAN CHASE & CO. (AL)

I purchased XXXX turbos from XXXX XXXX, XXXX and sent them back within the return period because they were the wrong parts for my truck. The company only returned half and said that I did not return the turbos. I have pictures and a legal document that shows the weight of the page sent through XXXX XXXXXXXX showing that did in fact send both turbos back. I have filed a dispute XXXX times with my JP Morgan Chase amazon Visa card and every time they say that I am liable for the charges. I also ordered XXXX more turbos on the same day that I filled out the form to return the first XXXX with XXXX XXXX XXXX. Both of these turbos were defective. I tried to contact XXXX XXXX, XXXX. But they do not have a customer service phone number and they do not return my emails. So I have {$2000.00} in dispute with my credit card company that says I am liable for these charges. I feel that this violates the credit card agreement and would like to find out if there is some sort of collusion between the credit card and the merchant, because this is by far the most fraudulent experience that I have ever had to deal with in my life.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Solar Mosaic LLC (MI)

XXXX XXXX at Mosiac to me to file another complaint with your agency about the communication tactics and the ongoing discrimination. I feel this directive was also abusive since when I filed my last complaint they said you had no authority to oversee them. I continue to wait for the interactive good faith process within the XXXX. XXXX requested I file a complaint in every state and that no federal regulator over saw the company. I expect this was a ruse to abuse me further and make my XXXX worse. I spoke with their agents at XXXX XXXX who said no XXXX accommodation was put in place. XXXX said I was accommodated but never shared anything with me or how I could use the accommodation if it was there. XXXX told me XXXX was regulated by the XXXX XXXX XXXX which I dont think is true. I am making this complaint as a written record of my attempts at equal access within my abilities. XXXX at XXXX hung up on me telling me I had to have perfect memory he then hung up on me
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

XXXX Chase Bank : I wanted a fraud alert placed on my Chase Checking account, XX/XX/XXXX ( XXXX XXXX  ). 
The account was hacked by a online provider/XXXX 

I had to close account for continuous fraud activity. 
I downgraded Bank Card to ATM card. 

I was a valued Chase Bank client since XXXX XXXX.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (MD)

Experian is reporting negative incorrect information on my credit report i have asked them numerous times to correct it and they refuse they keep responding verified with XXXX i have previously attached a copy of my XXXX report showing where it is not being reported on my report but still comes back verified
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MD)

I am disputing the credit card charges on my credit report. My report reflects charges for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX/XXXX. I filed XXXX XXXX Bankruptcy in XX/XX/XXXX and was discharged XX/XX/XXXX. After filing Bankruptcy I contacted Lexis Nexis and placed a security freeze on my account. I was not contacted during or after these accounts were opened.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Without the United States NOTICE OF RECSISSION To : BEST BUY CBNA, Custodial Trustee XXXX XXXX XXXX XXXX. 
XXXX MN XXXX RE : XXXX XXXX BEST BUY CBNA Contract Number : XXXX To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX XXXX XXXX, the negotiation identified as Contract/Account : XXXX is hereby rescinded for cause on the following grounds : 1.consent was obtained through mistake, fraud, undue influence, duress, and economic menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy.

This rescission is effective as to all aspects of the negotiation, including all documents signed in connection therewith, and automatically and immediately places the parties in their pre- contractual position, before the negotiation was entered into.

Now Therefore, BEST BUY CBNA you have twenty ( 20 ) days to return all assets credited to said account to the undersigned ( or the value thereof as the case may be ) at the postal location first above-listed, and to take all actions necessary to reflect the termination of any security interest created under the negotiation. Provide to the undersigned an itemization of all disbursements, charges, the current principal balance, and all payments received to the account, so that we may determine the exact amount needed for tender. 

XXXX XXXX of XXXX XXXX XXXX XXXX to the undersigned By : XXXX : XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ALLIANT CREDIT UNION (MI)

Alliant continues to harass me with false statements and asking me to take action they have me blocked from. Now they are trying to change my email without my consent and asking me to call knowing they blocked my number. This is the reason I asked them to accommodate my XXXX with effective communication, to this date they have not engaged in any interactive good faith process but instead push me toward panic attacks. They have destroyed my credit as a form of retaliation and refused to take any payments when I tried to call.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2022 I received a letteer from XXXX XXXX XXXX in regards to a debt that i supoosely owed. I paid them with the regards of having the item removed from crecit file. as of this date, the item still shows up on Experian and XXXX. I've made several attempts to rectify the issue. I'm in the process of purchasing a home for my family which I told this debt collection agency XXXX. They still have yet to removed this item. So I'm asking for help in this matter Thank you
Consumer complaint received 2024-03-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX Me and My girlfriend with signee on the account Deposited XXXX in atm Never received receipt or money showing in account inside the branch immediately once got to the teller told them what occurred and he provided me with an atm terminal number was told to call the XXXX customer service. 
Once called customer service I filed claim. 
By XX/XX/XXXX Monday still no results I called back to customer service and was provided a claim number then proceeded back to the branch asked to speak with manager ( XXXX XXXX ) file complaint about the atm machine and also regarding the claim then the manager called the XXXX customer service number what was told me this will be moved to high priority. 
Wednesday XX/XX/XXXX still no money in account I called back customer service was told I should see funds within 24hrs and if not to call back. 
XX/XX/XXXX Called back to customer service explained to call back if no funds in 24hrs I was told then I should it was approved should see funds within 1-2hrs asked again to confirmed I heard correctly after 3 hrs passed no fund call back to customer service first rep was not explaining well I asked to speak with supervisor cuts me off to say there was no money found. From call back to branch spoke with same branch manager he stated they have looked in atm machine and will tonight and apologize for the miss information from back office. 
XX/XX/XXXX temporary credit was issued. 
XX/XX/XXXX credit was taken by me XX/XX/XXXX credit was reversed sent account in overdrafXXXX XX/XX/XXXX - Stated no money was found and sent email to manager and opened 2nd investigation. 
XXXX Manger stated some money was found but not all XXXXagent states no money at all was reported Bank Manager- XXXX XXXX XXXX log : - [ ] XX/XX/XXXX - [ ] XX/XX/XXXX and in person - [ ] XX/XX/XXXX - [ ] XX/XX/XXXX and in person - [ ] XX/XX/XXXX in person - [ ] XX/XX/XXXX and in person
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

Chase bank and few other financial institutions have stated I had an account opened in XXXX. I have never banked with them or had a " real '' bank account. They stated the account was created in XXXX, where i have never been. This address still resides on my credit report even after numerous attempts to remove.
Consumer complaint received 2024-04-24
Product: Credit 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: SYNCHRONY FINANCIAL (NY)

I received notification today  XX/XX/2024 that Snychrony Bank  lowered my credit limit from {$6000.00} to {$810.00} on my CareCredit XXXXXXXX. I paid {$1900.00} to them on XX/XX/2024 & paid off the majority of my existing card balances on my other credit cards. They now have caused my Carecredit card to be almost at the max limit, ruining my usage limit on my credit report! I have never missed a payment nor was there any reason to do this! They used the excuse that there were too many high balances on my cards, which is no longer true. I feel that they used the limit they did as a punishment to almost make the card max out because I paid off my balances on other cards with them.
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

Loan Depot contacting me on re-financing XXXX of my properties. XXXX property in XXXX and the other property in XXXX. With the information they provided that my property in XXXX qualify to re-fiance thru the HARP program I proceeded to start the process. I was told that no appraisal will be required for my property in XXXX. Well on XXXX XXXX, 2016 I received a call from Loan Depot changing everything on my XXXX property. I was told that the property was not going thru the HARP program and that an appraisal was require.Loan Depot lied to me by giving me false information. I 'm requesting that Loan Depot refund my appraisal charge on my California property and credit the amount of {$420.00} into my credit card. I stop the process not because I want it I stop it because Loan Depot lied to me. 
Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NC)

There are two hard inquires that I do not recognize on my credit report. 

XXXXXXXX XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

About XX/XX/XXXX I applied for credit. Equifax provided information to my lender I believe is wrong. I contacted Equifax using their form to ask for an explanation of their erroneous data. About XX/XX/XXXX I received a reply from Equifax that was non-responsive to my request. On XX/XX/XXXX I filed my first complaint with CFPB ( XXXX ). I asked Equifax to explain their data or remove it. Around XX/XX/XXXX Equifax responded that they wanted me to explain their data. In other words, they wanted me to provide the negative information they are reporting in my credit report. On XX/XX/XXXX I filed a second complaint with CFPB ( XXXX ) providing Equifax with an exact copy of the wrong information they provided to my lender. I again asked Equifax to justify their data or remove it. In correspondence dated XX/XX/XXXX Equifax responded that " we are unable to locate a credit file in our database with the identification information provided ... '' Equifax now wants copies of identity document from me. 
I am not inclined to provided these documents for several reasons : 1 ) I have already provided everything Equifax is asking for including, name, address, date of birth and social security number. Providing the information again will not accomplish anything. 2 ) Equifax does not have a good track record of safeguarding the information they collect about me, to wit : " In XXXX XXXX XXXX  Equifax announced a data breach that exposed the personal information of XXXX XXXXXXXX XXXX  The company has agreed to a global settlement ... '' 3 ) I never asked Equifax to open a " file '' on me. Equifax did this for their own profit. I have no idea where your file is. 4 ) I provided Equifax a copy of the report they generated for my lender on XX/XX/XXXX. They had no problem generating that report and disseminating ( bogus ) data based on a request from my lender ( who had no more information than that which I provided to Equifax ), but now Equifax can not find its data? 
The incompetency here seems unfathomable! Equifax generated a report about me that I believe is wrong. They MUST correct it or stop disseminating bogus information about me. All of the details are in the prior complaints referenced above. I can not help you find your data.
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (FL)

In XXXX of 2023, I worked with XXXX XXXX to install Solar Panels at my home. They had referred me to Mosaic for lending, which was an easy experience. After installation of my Solar System, I had noticed two issues : Issue 1 : I had sent an Online Bill Pay from my consumer Bank, which had estimated delivery on the due date. After receiving calls every 2-hours from Debt Collection Agencies and the company directly, I had noticed on their website, requiring me to pay " 10 days in advance '' to make sure they had enough time to process the payment. After obtaining, 9-10 calls per day from blocked/unknown callers ( and emails ) I had seen them post/backdate my payment to XX/XX/XXXX. The last email was received XXXX ( I had blocked the phone numbers due to harassing phone calls ). When reviewing the website and agreement, there are no fees and not considered late until 15 days after my due date. This is extreme debt collection practices. 

Issue 2 : When explained by the lender that this would be a traditional installment loan with interest accruing through the advance process, to the payment process. I had noticed my first XXXX payments did not go to impact principle but 100 % towards interest. When reviewing my loan contract, there is a singular line that allows them to process payments at their sole discretion. This is one statement embedded in the document that I feel is extremely deceptive when being sold a " traditional installment loan ''. There is no accounting or delineation of interest accrued during the " deferred payment '' portion. By not applying or giving me an accounting of the accrued interest, I feel that they are unreasonably increasing my debt and interest payments to their sole benefit. Between their sales lending agent and their referring business - I was not given full disclosure of the loan terms that have now materially changed on my Truth in Lending that was given to me.

" b. Payment Application. Payments will be allocated in our discretion, subject to applicable law, including to any fees or costs or expenses payable to us under this Agreement or that we incur related to enforcement of this Agreement as further described in Section 10 ( Remedies ) below. To the extent permitted by law, we reserve the right to report to consumer reporting agencies any delinquent payments under this Agreement that are not paid within thirty ( 30 ) days of the applicable due date. ''
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (VA)

I have been repeatedly contacted by the company Frost-Arnett XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) XXXX ) who demand money for a service allegedly provided by XXXX. I have already informed them that XXXX ) I canceled my XXXX XXXX Membership prior to the date of the alleged XXXX visit, and XXXX ) I was in XXXX at the time of the alleged XXXX visit and thus could not possibly have visited the XXXX XXXX location in XXXX. In their last communication they indicated that they had concluded their investigation and reported this debt to XXXX XXXX  agencies. To be clear, I dispute this alleged debt and it should not be reported to any agency. I have provided them ample documentation that they simply ignore. The amount is XXXX
Consumer complaint received 2022-01-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AL)

On XX/XX/XXXX around XXXX, I called NCB because at my bank 's request. I spoke with a gentleman to request a verification of the debts I allegedly owe. I asked if it could be emailed to me so that I could proceed with what I was trying to do and was told that could not happen. I provided a few other solutions and was told that could only happen if I made a payment arrangement at that time. I declined to do because I did not have the information I requested. I did not receive the information needed after about two weeks, so I called again but I have not been able to get an answer on the phone nor have I received the documentation I requested.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to XXXX many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.