davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received and offer for a 0 % credit card, and applied for it on or about XX/XX/XXXX. In that process I tried to transfer about {$10000.00} from another card, but only got approved for {$2500.00}. After receiving the card I setup autopay on or about XX/XX/XXXX through the Bank of America website. The first few months went through like clock work with no issue. Then Bank of America changed the due date to an earlier day. They did not change the autopay to accompany this change and/or notify me of this change. So for 6 months the bill was paid with autopay 2 days late. This led to a slew of late fees, and then finally a phone call. They had sent emails each month with alerts to payments due along with thank you for your payment every month, but nothing that had an alert about a late fee. On the phone they were only able to remove 2 of the late charges and could not explain why the date had changed. They also closed the account because of this, and of course raised the interest rate to the maximum. They would not work with me, and now won't even allow access to the account so that I can pay off the card. They continue to take to autopay though. I feel this was a bait and switch situation. I would expect that when you setup autopay that it will, you know, autopay it. Now this has affected my credit rating and is affecting my ability to get a home loan.
Consumer complaint received 2019-03-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (IL)

Payday loan from XX/XX/2016 ... My mother and fiance received repeated calls the past few days with a company threatened legal actions against me So I called the company and talked to a lady she acted like she didn't want to give the company name and I said why when I received this call a year ago and they said they were filing a civil case I never was sued and she said because I said I wasn't gon na pay so if I said I wasn't gon na pay wouldn't that be a reason to file the civil case? So I told them they better not and harass my mom anymore ever
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the month of XXXX when i check my stament was showing that half of my payment was credited to me from the company i thaw that i had pay extra on my escrow account .after this i send the remaining balance to complete my payment then on the following months consecutively kept sending my payments .after the second month i got a call staying that my mortgage was 60 days late .i explain the person on the phone that had to be a mistake cause i was up to date with my payments .well after they research the account they came to find out that the money that they credited to me belongs to a different account and that i have not make my payment complete .at this point they blaming me for their mistake witch i end up coming up with the payment after all .now i come to find out wile i was trying to refinance that they have my record on the credit bureau as of 30 days late for three months on the road. i dont think this is fair to me and my family we try to take matters as soon as we found out even wasnt are fault.all i want is from them to correct my credit report. 
thank you
Consumer complaint received 2022-08-29
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. (AR)

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXXXXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CT)

RE : Synchrony Financial Pay Pal Mastercard account # XXXX Dear CFPB and Synchrony Bank/Paypal Mastercard : On XX/XX/XXXX I applied for a paypal extras mastercard and was approved for {$300.00} dollar credit line, the inquiry was pulled from XXXX XXXX. On XX/XX/XXXX I had another hard inquiry from Synchrony Financial, the inquiry listed as Synchrony XXXX XXXX XXXX, XXXX, GA XXXX. I called XXXX XXXX and the number listed on my credit report to report the additional inquiry. 

On XX/XX/XXXX I called Paypal Mastercard to inform them I had never received the paypals extra mastercard, upon speaking with the individual from the fraud dept she had put a restriction on my account, I then spoke with another individual who proceeded with a phone call back verification number that I received, however, the representative said they where unable to proceed with verification because of my internet/phone, and said I will be receiving a letter with the instructions on how to proceed with identity verifications. I called XX/XX/XXXX and spoke with XXXX phone number XXXX to obtain more information on what had occurred, and was told to wait 7-10 days until I received the letter with the credit card.

At this time, I have written this complaint because I believe either the credit agency XXXX  and XXXX failed to provide accurate information to Synchrony to verify my identity. The issue remains, I had never received my card and they placed restrictions on my account, and I have still not received an adequate explanation from Synchrony on what had transpired between my application and verifications.

I am asking the CFPB to send my complaint to Synchrony Bank/ Financial and XXXX  and XXXX  as these are the credit agencies responsible for failing to maintain accurate information. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (RI)

I co-signed my wife 's student loan re-finance with SoFi in XXXX of 2018. At the time, we were informed that after 12 months of payments, I could be released from the loan. However, today I was informed by a SoFi employee that SoFi doesn't offer co-signer release. We were completely misled by SoFi. 

This is directly from the SoFi website : Though it never hurts you to keep a co-signer, you can offer releasethe official terminology for removing that person. Maybe your co-signer was happy to help you get approved, but after a certain amount of time wants out due to stress or even just a change of mind.
Consumer complaint received 2020-08-26
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)

XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OR)

I was sent to Credit Collection Services ( XXXX XXXX XXXX XXXX, MA XXXX ) by XXXX  XXXX. I have contacted both companies several times. Neither has addressed the situation and are unwilling to look at the facts. I have also disputed the account on my credit bureaus. Credit Collection Services continues to use inaccurate and fictitious information to confirm my debt with the credit bureaus. 

On XX/XX/XXXX I was sent to collections by XXXX XXXX. At this time I was actually owed {$870.00} from XXXX. I had a settled claim that was started on XX/XX/XXXX by XXXX XXXX, my auto insurer at the time. The claim had been settled in my favor and money owed for nearly a year before I was sent to collections. I had to make 20-30 phone calls to XXXX in over a year 's time to be compensated. I was given excuses that the check had been lost in the mail. I received other excuses that they had a high turnover in their claims department and that previous representatives left items undone. I was told by XXXX that I was sent to collections because their claims department and billing for insurance was separate. I was told that it didn't matter that they owed me money, I still had to pay them for services rendured. I cancelled my services with XXXX and got another provider over this incident. I also told XXXX  I would not pay them the {$210.00} I owed until I received my payment of {$870.00}. I also recommended to them that they take what I owe out of the balance due me. They did not. I did not receive the {$870.00} until XX/XX/XXXX. This was four months past the time I was sent to collections. 

I have provided proof of these statements directly to Credit Collection Services but they continue to fraudulently attest that my bill is accurate to all 3 credit bureaus. I have documentation directly from XXXX XXXX 's website that supports my statements. I would like XXXX XXXX and Credit Collection Services to be investigated. 

My credit rating has been damaged by these companies and as a result I'm paying higher interest rates and have not been able to gain approval to buy a home. This is a defamation of character. Please help in any way possible.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

Santander has not paid the bonus that it promised me. I opened a Santander checking account on XX/XX/2019. The terms were as follows : Complete minimum opening deposit ; Have direct deposits of {$1000.00} or more post to the account in the first 90 days ; Keep the account open and in good-standing for 90 days ; receive {$220.00} bonus. 

I completed the minimum opening deposit on XX/XX/XXXX and received a direct deposit of {$2800.00} on XX/XX/XXXX. My account has been open and in good standing for the past six months. I still have not received the promised bonus. I emailed Santader 's customer service to inquire about the bonus approximately two weeks ago. I received a response stating that they could not answer the question.
Consumer complaint received 2020-02-25
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. (OK)

XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XXXX of 2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ...

XXXX XXXX XXXX XXXX XXXX is fair debt violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have TD Unsecure Credit Card Since XX/XX/2008 to present and I have total credit line approved at time of application was {$11000.00} and since then it went well never had any issue with it. they review credit card periodically and made decision either raise credit card limit or decrease credit limit. In my case they review in the past and neither they increase credit limit nor decrease credit limit. recently they review my account and decrease my credit line from {$11000.00} to {$9200.00} and they use XXXX  Consumer reporting agency ( I complained previously against XXXX  through CFPB ) show the reason is ( 1 ) SERIOUS DELINQUENCY ( 2 ) YOU ARE NOT PAYING DOWN YOUR BALANCE FAST ENOUGH, ( 3 ) PART OF YOUR ACCOUNT BALANCE IS MADE OF CASH ADVANCES. 
this type of reason first time in 11 years of my this account and I always pays on time payment history is 100 %. Now when I called and Spoke to person ( XXXX ) suggest me to submit application for credit line increase which is go to HARD INQUIRY and they already took action cause my credit score drop and my Utilization ratio increase due to credit line decrease on this account.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Revenue Enterprises, LLC (CO)

I feel like XXXX XXXX has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), Revenue Enterprises ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not XXXX XXXX. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is  {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. XXXX XXXX failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

THIS COMPANY HAS REPEATEDLY CALLED ME FROM DIFFERENT NUMBERS ALL HOURS OF THE DAY AND NIGHT. I PINGED THERE IP ADDRESS ON THEIR SERVER AND IT IS COMING FROM THEM IN VIRGINIA. IM AM EXHAUSTED WITH THIS COMPANY. THEY ARE PAST THE STATUE OF LIMITATIONS IN MARYLAND AND CAN NOT COLLECT BY LEGAL MEANS. THIS ACCOUNT IS POSTED TO MY CREDIT ACCOUNT AS OPEN ON MY ACCOUNT AND IT SHOULD BE CLOSED.I HAVE MAILED THEM A CEASE AND DISIST VIA US CERTIFIED MAIL, FOR {$6.00} I WILL SEEK A LEGAL REMEDY FROM THIS PREDATORY LENDER.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am spouse of an active military and have contacted Equifax 2 times to help fix an error on my credit report. I have been hung up on disconnected given wrong fax numbers numerous times but yet my issue is never resolved. I am looking to refinance our house and there is a late payment should up from XX/XX/XXXX from XXXX. I called discover they have corrected the error in there system and send me a letter stating they have updated it and it takes between 45-60 days to update. 

I have letter proof from discover and have been trying to get Equifax to update this reporting so I can refinance my house before the interest rates go up again. Below is how the account appears on my Equifax report XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code :  Authorized User Account Status : Open Monthly Payment : {$29.00} Date Opened : XX/XX/XXXX Balance : {$700.00} No. of Months ( terms ) : 0 High Credit : {$1700.00} Credit Limit : {$900.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Credit card Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I have attached letter from XXXX to this complaint.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello. I had a fraudulent charge of {$320.00} reported on my account by XXXX XXXX XXXX and I called and wrote to both them and Transunion. I never received anything back from either company. I then issued a dispute and transunion replied it was investigated and was a valid charge. I then wrote and called again and the billing company finally found their error and notified transition that it was in fact a billing error. On XX/XX/XXXX my credit account was changed to say the {$320.00} was " paid off '' implying that I paid the fraudulent charge instead of just removing it from my credit report. I then issued another dispute with them but it still say 's " paid off '' and it would stay on my credit report until 2026. That would not be fair as I never owed that money. Thank you for handling this for me as I have spent many frustrating days on the phone and writing letters.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon traveling as a XXXX i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.
Consumer complaint received 2019-11-23
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I walked inside the JP Morgan Chase Bank Branch at XXXX XXXX XXXX, XXXX, TX XXXX ; within 10 minutes prior to closing. I kindly asked for a notary, which they have previously notarized documents for me a couple of times this year. However, XXXX was reluctant to notarize a document for me. Therefore, he asked the Assistant Branch Manager XXXX, to get validation from him to deny service. Consequently, XXXX then told me that he is not comfortable notarizing my documents. 

As a consumer, I have established a banking relationship with Chase via personal and business-related. In addition, I recently decided to share my business with chase by opening up a business account. Because of your staff 's unethical behavior, this does not satisfy my trust with Chase. Their actions were biased. I am a customer, and as a customer, the bankers are required to service the consumer 's needs without prejudice.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Neon Newco Corporation (CA)

On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XX/XX/XXXX XX/XX/XXXXrefuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.