davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Great American Finance Co (IN)

On Great America 's finance website, it states my " outstanding '' balance to be balance with interest. ( I had to figure that out myself, it only states outgoing balance ). This is deferred interest but no where does it state deferred interest or principal balance just " outstanding balance '' .They offered me 18 months same as cash. I do not owe interest yet. If I pay the loan off I would never owe. I would think this would be against Fair Credit and Charge Card Disclosure Act of 1988 or truth in lending Act. Since they tact on interest prior to it being due. I also don't see my interest rate listed on my coupon book. As I was about to rebudget my payment plan to include interest when I realized the outstanding balance was incorrect. What this loan company may do is not show the principal balance so people don't know what it is and don't pay it in time so they get the balance plus interest while being able to advertise " same as cash '' loan. This practice is dishonest and deceitful. I called and spoke to 3 different people. The first person when I started to complain about the balance being incorrect told me " don't do this ''. I am very much allowed to complain about your either illegal or shady practice. Another one told me a manager 's manager would be calling me and never did and the third one transferred me to loan dept who had no idea what I was talking about. I am currently calling back to get the manager of the manager to speak with. The rep informed me I was lied to about the " manager '' I spoke to earlier was not a manager. The rep is again telling me what I already know I don't owe interest if I pay off balance. Where do I see that balance? Not on payment book! Not on website! Where is the principal balance so I don't overpay. Finally got the manager who stated it is on the contract only but they never update and list the principal balance anywhere. They do not send out statements. I do not have the contract so I don't know what the interest rate I am trying to avoid is. It is not disclosed on coupon book or account info on website.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (TX)

I opened a PayPal account so that my unemployment could be deposited on there not reading all about the rules and policies anyway my first unemployment deposited on XX/XX/2020 and as soon as the funds from unemployment deposited to my card I immediately called XXXX pcs to pay my phone bill well it didn't go through so I tried again thinking maybe I put the info in wrong so I tried it again it declined so im just like confused as to why so I go to the cornerstone go to ATM tried to withdraw some cash it wasn't going through so I try to buy a piece of candy, it didn't access so im lost at this point so next thing I know I'm getting an email stating my account has been put on a temporary limit due to suspicious activity so im upset crying.so I go into my PayPal app and provided some of the info they asked because some of the questions I couldent answer so they put my account on a full limit hold for 180 days so im panicking because rent, car note, electric due I became homeless lost job me and my two children were sleeping in our car that became up for repo so long story short it's been almost 2 yrs I call and try to withdraw my funds and they give me the run around and say to be looking out for an email from them and I been waiting and waiting im currently homeless my 2 kids and I moving from place to place, shelter to shelter, and I direly need my funds of XXXX to be available for me to withdraw can you guys please
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I noticed a late fee and interest charge for XXXX 2021 on my Citi Double Cash account. I always pay my credit cards, so I did not understand what happened. I went back through my email, and I noticed what the issue was. When I click the link to pay in my statement email, it tells me I have no payment necessary. 

Steps to reproduce : 1. Open Citi Double XXXX XXXX email - subject : " Your statement is available online - make or schedule your payment now '' 2. Click " Pay Your Bill '' button 3. Citi website opens on Citi XXXX XXXX saying " Minimum payment due : {$0.00}, Last statement balance : {$0.00} '' I did some thinking and figured out what the problem was. I got a replacement Double Cash card in XXXX 2021. On the Citi website, it now shows two Citi XXXX XXXX cards. However, when I receive the statement email, the link to " pay your bill '' directly opens the old Double Cash card. There is no indication that there are multiple Double Cash cards. One would assume that the link in the email statement would open the correct corresponding Double Cash card. Note that I am a paperless account, so there is no paper statement. The only statement is the email, which contains a direct link to " pay your bill '' which shows {$0.00} due. 

I called Citi bank on XX/XX/2021 after noticing this issue and immediately paid the account and requested for a waiver of the late fee and interest. Citi representative denied the request. I explained the entire situation above, and the Citi rep agreed that the link in the statement email should open the correct payment page for the card. I stated then obviously there is a problem or bug here if it is taking me to a page saying payment due {$0.00}. The rep could not escalate further because her supervisor was off work already. 

I noticed a few minutes after my complaint that suddenly the old Citi Double Cash card was erased from my account. I believe the Citi rep tried to delete evidence by removing the old Double Cash card from my account. Good thing I already took screenshots and a screen recording to preserve evidence. Screenshots and screen recording are available on request.
Consumer complaint received 2021-11-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (CO)

XXXX ( now PNC ) does not provide transparent and proper disclosure of fees and costs associated mortgage/refinance products. PNC 's claims of " fair lending practices '' are false. PNC 's disclosures are far removed and misrepresent any claims or commitments to " good lending practices ''. 
PNC also used deceptive practices to lure us into the mortgage transaction, and conveniently " timed '' the closing dates so that we were stuck with them and risked the lock-in date- thus forcing us to give in to PNC 's fees and charges. 
We had current mortgage with XXXX since XXXX. We started the refinance process in XXXX XXXX. We were advised to start a HELOC and were told we would be able to convert that HELOC via an inhouse transaction *with minimal to no closing costs*. We were also told the appraisal charges would be waived at the time of converting the HELOC to a refinance mortgage. So, we provided all the paperwork and details and got a HELOC approved in XXXX. In XXXX we took the HELOC loan and started on the conversion to refinance 10 days later in XXXX- with intention of converting it right away to the refinance mortgage per advise from the Loan Officer. In XXXX, XXXX  the refinance transaction never happened in the manner we were told/sold. It dragged on with restarting the entire underwriting process, second set of costs and appraisals, and multiple delays due to " merger '' chaos/confusion. Then we were told, this would be a full transaction. i.e. full closing costs and full appraisals, and sorry but NO lender credits to make us whole for the ( mis-represented/mis-communicated ) offer to refinance with a minimal cost product.
Consumer complaint received 2021-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I did not recieve my card that was ordered by unemployment. I made my claims online. I tried to resolve the issue with contacting edd but was directed to Bank of America as they are the bank that handles the funds. I contacted Bank of America about the location of my card and/or getting one resent. I was informed that my card had been activated/used by someone but it was definitely not me. I was also informed the card balance was spent. I was then directed to dispute the charges which I had no problem with because I did not make the charges. I was reassured I would get my money back. I acknowledge that I would assist and open to investigation if needed. I called to check the status of my claim as this whats money I was depending on only to be told my claim was denied. I asked for a explanation I did not recieve one. The representative I spoke to inform me that she would resubmit them for reconsideration. I was told that any complaints made in regards to this issue or police report would help. Due to my work schedule working XXXX I cant leave work to go to the police station to file such report. Im willing to comply with anything needed to get my money back that I did not spend. I need any help that can be done to aid in me getting my funds recovered.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I sent a letter by certified mail regarding acct # XXXX {$75.00} the company is alleging I owe this debt. This may seem petty to some but I take this serious this account doesnt belong to me. Ive attached the letter I sent requesting validation which I never receive. For this company to continue reporting this is a violation please remove account
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duvera Billing Services, LLC (WI)

XX/XX/XXXX I was hospitalized with XXXX I was in the hospital for some time. Once I got out the hospital I had contacted EasyPay Finance I asked to speak to a manager and I was transferred to XXXX XXXX I tried to explain to him that I was in the hospital and when I got out I had an alert from my credit bureaus I had a negative account I tried to explain to XXXX that I had set up my account for automatic payments, he replied with a negative comment about people want to complain when they don't pay their bills. I explained that their company had made an error and I ask that they clear. He said no it was in collections and it was not the companied fault and it had to be paid in full. I asked to speak to higher supervisor he said he was the only one. XXXX was extremely rude and did not care to hear what I was trying to explain to him. He said the only way they remove the negative remark was if I paid it in full then they would have the tradeline deleted. On XX/XX/XXXX, I paid the account in full and received a letter stated the negative reporting would be removed in 4 weeks. I have emailed them multiple times and they have not responded or removed the tradeline. My credit was damage due to the negligence and continues to be on my credit and it has been XXXX  months and XXXX  day the account was paid and the tradeline is still on my report
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A more detailed description is provided in the supporting documents but the core issue is that a Former Bank of America employee XXXX XXXX assisted a former business partner of ours, XXXX XXXX XXXX, in taking my name off of the company ( XXXX XXXX XXXX ) bank account and replacing it with only XXXX XXXX. This was done without my knowledge or authorization, as Bank of America 's own policy states, but simply with a new set of forms and the words 'supersede ' at the top. After XXXX was given sole access ( which was never approved by the managing members ), XXXX proceeded to funnel over $ XXXX of our and other people 's money before anyone caught on. When I went into the Bank of America branch where I opened the account, I was told that I have no account there, and therefore, no information could be disclosed to me. In complete shock, I found the rep who helped me open the account, and he investigated as much as he could, ultimately telling me that an unauthorized switch took place but that I should speak with a lawyer or file a complaint. We didn't have success with finding the right attorney, and I was repeatedly dismissed by Bank of America when trying to resolve directly with them. I filed a complaint with the XXXX, which went in circles as B of A kept giving them push back and the same illegitimate reasoning ( attached ). Being taken off of your own account and having your money disappear is not something I can just look past. XXXX has a pending felony charge against him for another financial crime he committed, also involving theft and forging of documents, and XXXX County District Court is making him pay restitution or go to jail. We believe this to be equal, if not worse, of a fraud and crime and something that the Bank and regulatory bodies should be able to help resolve without going to law enforcement.
Consumer complaint received 2021-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (AR)

On XX/XX/2021, I received unwanted " junk '' mail inviting me to take advantage of a " Personal Loan Summary Prepared For : XXXX XXXX XXXX XXXX '' The company that sent this was " Upstart '' from XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I do not wish to receive credit solicitations. 

When I opened up the mail to see how to opt-out, on the first page there was a clearly written note that said the following : You can choose to stop receiving " prescreened '' offers of credit from this and other companies by calling XXXX. See PRE-SCREEN & OPT-OUT NOTICE on other side for more information about prescreened offers. 

On XX/XX/2021, I called the published opt-out number. I was greeted instead with yet another " offer '' which said I could press a button to receive a {$100.00} credit to spend at major retailors, such as XXXX or XXXX. Or, I could hang-up! It was a bait-and-switch and there was, in fact, no information to opt-out.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems XXXX XXXX Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It XXXX Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems XXXX, dated XX/XX/year> To my knowledge, I have never had negative listing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this Suspected Fraud Activity which bear my signature. In the absence of such documentation, I request that this OVERDRAFTS be permanently removed from my Chex Systems report ASAP.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have asked this company to remove their information from my credit report on several occasions. I had XXXX state insurance from XXXX during the time that University XXXX decided not to charge me for services. " XXXX '' sent my hospital bill to this company and since then, I have been asking this company to please relieve of my this debt since the hospital did not do their part in charging my insurance. 

I have asked ARS to relieve me of this debt since I will not ever be able to pay it. 

They do not contact you other than to tell you " NO ''. 
They do not answer the phone and if they do, they refuse to speak to people like human beings. My phone calls always feel so belittling and helpless with this company. 

The XXXX has several complaints against them. 
I don't know how they are still in service as a company.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$3000.00} XXXX  XXXX {$630.00} XXXX {$18000.00}
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I called to get this cleared off, as I don't owe them anything, they JUST keep saying my name isn't on the loan I can't have a copy of it, I called this morning XX/XX/21 and told them I have the paper work that shows the dates are 2 years apart and the house was in XXXX XXXX XXXX name, as I was on a " quit claim '' the House is mine NOT XXXX XXXX XXXX, he took the loan the house was never in his name when the Bank gave him the loan they committed a fraud, she said, XXXX would call me right back, that was at XXXX XXXX, still no calls, and I will be evicted XX/XX/21 if I don't pay {$66000.00}. I don't owe them anything .the, this home is free and clear of debt, I want to stay here. XXXX XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I received several phone calls from a ADS company stating that I owed money from an old Wells Fargo account which turned out to be around {$96.00} they stated that the amount was XXXX something dollars after I told him that I didn't know old {$9000.00} they told me they were gon na go ahead and follow a lawsuit with the state XXXX XXXX XXXX  court and go forward and do a lein on my account. They had all my information all my known address zip code address even my social security and they wanted me to go ahead and pay them fee of {$900.00} to remove the XXXX ' they went ahead and charged my XXXX account and took away the money
Consumer complaint received 2021-09-14
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. (MD)

I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. I am requesting for consumer reports to be removed please. Thank you! P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WA)

I made a purchase using my XXXX XXXX credit card issued by Synchrony Bank on AprilXX/XX/2021. I received the invoice directly from XXXX XXXX, not a statement from Synchrony.

I paid the bill in full via check on MayXX/XX/2021. I informed Synchrony that the payment had been made. They took it as a dispute/lost payment request. They issued my account a credit. Later they reversed that credit and placed the charge back on my account and I received a statement. 
That's when all the email communications started. This has not been resolved, the account is paid and even if they reversed the credit, it would have zeroed out the account since it had already been paid. 
I have attached all communications with them and the invoice and payment. I do not see how I have a balance. This has been going since MayXX/XX/2021.