davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation (ID)

I signed up for Albert on XXXX where I then signed up for Albert XXXX for the year. This service cost {$66.00} for the year and would grant me cashback offers if I have a direct deposit. There were no limits on what I could spend on to get my cashback. For the past 6 months, I have regularly been going to stores, activating cashback for that store, and buying a gift card from that store. That worked flawlessly up until XXXX XXXX  I had visited XXXX, activated my cashback offer at XXXX, and bought {$50.00} of gift cards. I should have received 10 % of that, or {$5.00}, within seconds of my purchase. However, I did not receive any cashback. I texted support later than day and they said to wait for the transaction to settle and you will get the cashback. The cashback still hadn't posted by today XX/XX/XXXX so I messaged support. Support said that they no longer offer cashback on gift cards. There was no mention of this anywhere in the terms, and I was able to get cashback on gift cards on XX/XX/XXXX. This policy change was never described to me, and results in a significant negative impact on my use of Albert. I have practically no use anymore for Albert and would like my {$5.00} cashback and a refund on my Albert subscription.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Capital One in regard to my interest rate. I am an Independent Contractor and my business has been affected impacted with the higher interest rates on mortgages, which has resulted in more usage of my credit card. I've been with Capital One for XXXX XXXX and asked for them to lower the interest rate until I'm able to get back on my feet. They blamed it on the government and only offered bill payment arrangements. Capital One is able to negotiate interest rates with the Feds ; however, refused to pass that along to their clients. My tenure with them ought to count for something. I'm willing to pay my bill, I have not filed bankruptcy which when that occurs, we all bear the burden of that ; however, I asked for them to lower their interest rate and they refused.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

Continuation of compliant # XXXX I am submitting further documentation of being forced out /under duress of my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because Wells Fargo refused to take the grant allotted to me in an Obama Program granted from the state of MD for {$50000.00}. They fought me three times in court and did not have documentation enough to win the cases. The judge threw it out. Shortly thereafter I was diagnosed with XXXX XXXXXXXX. This was shared with the person they had pursue, harrass, call and follow me to do a short sale in lieu of them throwing me in the street. The salesman met me in person and told me i should take the {$6000.00} and be glad i got that instead of being thrown out. My daughter was in the house taking care of me at the time. She had XXXX children. He threw her out as well and ended up in a shelter. XXXX years later I had to contact the saleman so he could verify my story. He did and he said that he remembered me. He had the nerved to tell me the people who moved in my house completed some things i started and asked me if i wanted to see how it looked. That was painful. He was laughing in my face while i was sick weight XXXX XXXX, XXXX, children in a shelter. This is what Wells Fargo has a history of doing to XXXX Americans- this did not just start.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION (NY)

I have been trying to pay my Oportun credit card bill for months. I was in rehab and my sister tried to pay it online for me so that I would not incur any late fees or charges. The website would not allow her to make a payment when she clicked on the pay now link, it did nothing. I was also unable to get statements online. She called on my behalf trying to pay as well many times and they would not allow her to make a payment on my account even though she provided all of my information. I was unable to give permission as I had limited phone access. I recently got out of rehab and tried to call and pay and because i didnt have my phyical card and XXXX digit account number they would not allow me to make a payment even though i was able to provide all my other information. I then requested a new card as they suggested. The following day i received a letter in the mail stating my debt had been sold to a collections company. 

I have tried to pay many many times. They did not seem to want my money. Also, it seems that the call center is outsourced as all of the people i spoke to were foreign and i could not understand their heavy accents.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get a proper feedback from them for days and I just discovered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal to receive the salary for my job writing produce descriptions for household items. PayPal is the only payment method available. The email linked to my PayPal is " XXXX '' I have received two payments on this account both amounting to {$500.00} and exactly equal to the total amount indicated in the file I've attached from my source XXXX my work dashboard ).
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

After my wife and I were living at the XXXX XXXX for over a year, we informed the XXXX XXXX Staff by phone and a hand-written letter we are buying a house and gave them the proper notice required in the lease. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ohio XXXX Sidenote : We have always paid our bills on-time and never had any record of debt owed for living expenses, utilities or other items, etc. 

During the week we moved out, we paid rent through the end of that month, and also moved out XXXX weeks earlier in the month than expected into our new home giving XXXX  XXXX XXXX weeks extra grace period while they had a clean / vacant apartment ready to be filled. XXXX XXXX then leased the apartment unit we were occupying to a new tenant within that XXXX-week period as they had adequate people on the waiting list to fill it. XXXX XXXX proceeded to file collections against us and attempted to collect double-rent on the unit for the next month- which is technically illegal according to Ohio law . 

We returned the keys and had the apartment professionally cleaned as well. We took pictures to show there were no damages, etc. XXXX XXXX staff contacted us shortly after stating we did not give them proper notice and we still owe them for XXXX more month of rent. XXXX XXXX kept our security deposit as well, which we should have received back in full.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

This was my first time doing business on XXXX, and I was a beginner, so I sold a few items at a lower price. Later, due to family reasons, I stopped selling on XXXX. My money has been in Paypal, but I don't know why Paypal stole my money XX/XX/2019 PayPal - negative {$6500.00} XX/XX/XXXX Transfer P PayPal - negative {$6500.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6500.00} Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2021-05-17
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I took out XXXX separate cash advances in the amount of {$380.00} each with my Capital One credit card. The first one was on XX/XX/2022 and the second on XX/XX/2022. At the time, I didnt carry a balance and there were only a few recent purchases I completed during the same time period. The interest rate for cash advances and purchases were the same, XXXX %. I have made more than my monthly payment amount to the point where my cash advances should be paid off. Currently, I have a {$2100.00} balance including cash advances and purchases. When I called Capital One on XX/XX/2022, they told me since the interest rate is the same, my payments go to purchases first. So in order to pay off my cash advances and stop incurring extra interest every month for those, I have to completely pay off my balance. He said even if I purchase something today, my payments would go to that before the cash advances. That is not made clear in the contract. It is unethical for Capital One to not pay off the cash advances first, as they were incurred first. Its unethical for Capital One to keep charging me extra interest when the cash advances should have been paid off. Im sure they give many people the same interest rate for cash advances and purchases to get around the law and get extra money from people. Please fix this!!!
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

XXXX & Equifax BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And XXXX especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

XXXX makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (CA)

I am now requesting a fourth investigation into this matter. This account XXXX XXXX XXXX , was charged off in XX/XX/XXXX. Since then I have requested several desputes to correct or remove the wrongful reporting information on this account. If these items are not removed or updated. I will promptly sue your reporting agency {$1000.00} per violation. 

This account was opened In the year XXXX and from XXXX through XXXX there are no positive payments reporting on this account. This is willful negligence violation. 

This account was charged off in XX/XX/XXXX. And the constant reporting of C/O every month for 4 years straight is illegally updating the statue of limitations. This as well is willful negligence violation causing me to be denied credit as this is showing potential creditors that this is a new C/O on my report. Which is grossly incorrect. 

I will pursue legal action under FCRA section 623 if this matter is not resolved. 



( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ;
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

XXXX XXXX : I sent a paper check to my mortgage servicer, Mr.Cooper on XX/XX/2023, with delivery expected by XX/XX/2023. 

The check arrived at Mr. Cooper on XX/XX/2023. 

I called Mr. Cooper to understand the status of my payment on XX/XX/2023. I was told that by the agent that they had not received it yet and at this point I was advised to put a stop payment request on the check sent on XX/XX/2023. 

Mr. Cooper then attempted to cash this check on XX/XX/2023. For 8 days the check sat unprocessed by Mr. Cooper. That check was returned NSF as I was told to put stop payment and send a new check ( I was notified of the NSF on XX/XX/2023 ). 

I sent a new check on XX/XX/2023, with expected delivery of XX/XX/2023. Mr. Cooper has still not processed this check as of XX/XX/2023 and has since marked my account as past due. 

My XXXX payment was sent on XX/XX/2023, and has still not yet been cashed by Mr. Cooper. 

Due to Mr. Cooper 's delays in processing my checks, they have placed my account in Overdue status.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (IL)

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions Im accordance with the Fair Credit Reporting Act XXXX XXXX account #  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX XXXX XXXX # XXXX  ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (NV)

I called First XXXX XXXX on XX/XX/XXXX to close my credit card account after paying my balance off. I was told it would be completed within 3-5 days. I called back on XX/XX/XXXX to check the status as the account was still open. I was once again told it would be completed in 3-5 days again. I have since called a few more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and the issue still hasn't been resolved and charges and fees have continued to be added. Nothing is being done and no one seems to know why.
Consumer complaint received 2023-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. ()

I took out my student loan for my graduate studies ( XXXX ). Please see attached document for the payments, amount applied to loan and amount applied to interest with dates. 

My parents helped be a large portion of my loan payments throughout the years as I did my Masters ( XXXX ) and Ph.D. ( XXXX ). The loan was transferred to First Mark Services on XX/XX/2021. 

The amount we have paid on interest is incredibly high compared to the price on my loan, which is very unfair given that I was a student for many years throughout that period, the pandemic, family illness, and recent death and economic hardship has effected this too. I was consistently given the advice to request forbearance/deferment as the only possible options, which I did because it was the best given my economic/personal situation. Even recently, the only option I had was to commit to a high monthly payment in the future. 

Recently, I requested First Mark Services to send over the document I have attached to this complaint and I calculate that I have paid more in interest on the actual loan. In fact, the amount I have paid in interest accumulates to a large portion of the original loan itself. Something that is very unfair, confusing, and should be an illegal practice especially on education.
Consumer complaint received 2019-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Funded refinance on XX/XX/XXXX with {$5500.00} escrow holdback. Have not been provided funds after nearly 2 months after completion of project and repeated attempts to obtain. 

Originally requested final inspection to be ordered on XX/XX/XXXX. Did not receive confirmation final inspection was received until XX/XX/XXXX and check could be expected in maximum of 15 business days. Followed up on XX/XX/XXXX. Was told their accounting department never received funds from title company and we should have them by that following Wednesday. Followed up again on XX/XX/XXXX. Again told title company did not send funds to Accounting department. No resolution provided.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXXand forward I actually paid this account in full in XX/XX/XXXX
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.