davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau against Barclays for their failure to comply with XXXX guidelines in investigating my quality of goods and service dispute for a purchase with XXXX XXXX. On XX/XX/2023, Barclays responded to my complaint and acknowledged that I provided the necessary documentation for the dispute and initiated a chargeback. While Barclays acknowledged my timely submission and the appropriate documentation on XX/XX/2023, they sent conflicting correspondences dated XX/XX/2023. One letter falsely claimed that I withdrew my dispute, while the other letter stated that the merchant did not violate the terms and conditions of the sale agreement and that their cancellation/refund policy was not followed. 

I want to emphasize that the core of my dispute lies in the fact that the roller shades I received from XXXX XXXX were severely damaged, defective, incorrect, and completely nonfunctional. It is only reasonable to expect that I would not be expected to keep items that exhibit such serious flaws. Despite providing all the necessary information to support my claim, Barclays failed to conduct a comprehensive review and neglected their obligation to credit my account in accordance with the guidelines set by XXXX.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

On XXXX, XX/XX/ I had run a couple of errands and came home after work to pay a couple of bills. My roommate Told me he had put his rent money in my account so I pulled it up. Instead of having over {$500.00} in the account, I was overdrawn- {$55.00}. I quickly looked to see what was going on and saw 5 withdrawals for {$99.00} from my account. 4 from a XXXX XXXX in XXXX and 1 from a XXXX XXXX XXXX XXXX 

I called Ally bank immediately. The CSR I spoke with said she understood the urgency and was very nice and empathetic. Then she dropped the bombshell. It would be 10 business days before I would hear from them about the investigation into the debits and it would come by mail. 

I cant remember if it was when I spoke to her or the next person that I started asking how in the world did this thief get not one l, not 2, but 5 of these through their bank? And she corrected me saying there was actually another one but it didnt go through. I said yea, it didnt go through because I was out of money, not because your fraud detection woke up. 

I was clearly in XXXX in possession of my card since I used it that day more than once. Then, these thieves come along and start charging the same amount over and over and Ally did nothing. No red flag, no fraud alert, no call to me. Nothing. But the worst part is they are taking no responsibility. They are following what they call their standard policy on fraud disputes. Meanwhile they left me in a position of XXXX  funds. They dont give provisional credit and run the investigation. You are stuck until they finish the investigation. I had to borrow money from my sister. I dont understand this banks policies. This is obviously their fault and they need to step up and take responsibility for their fraud detection breaking down that day. I hope you will see that too.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!
Consumer complaint received 2023-07-17
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 (NY)

I have been a Bank of America Customer for 15 years and have never been late on a payment to them or any other credit card and always pay my bill in full as soon as I receive it. When I received my statement for XX/XX/XXXX - XX/XX/2023 I paid it immediately by check like usual ( check number XXXX ). When I received the following month 's statement XX/XX/XXXX - XX/XX/XXXX, I noticed I was charged a late fee of {$25.00} and interest of {$6.00}. 
I immediately called customer service and waited 46 minutes to speak to someone who I could tell by the tone of his voice that he was overwhelmed and tried to rush me off the phone as quickly as possible. He told me no check was ever received and there was no way to check or trace if the check was received and it was probably lost and that I needed to contact my bank and put a stop payment on the check. Which I did. I paid the bill with interest and late fees so I could just get on with my life. He also recommended that I set up online banking so I could just pay it directly from my bank account which I will not be doing as I do not trust this bank anymore. I work in finance I am aware of the problems BOA is having with fake accounts and fraudulent interest. 
I just received my statement for XX/XX/XXXX - XX/XX/2023, and they just charged me an additional {$8.00} in residual interest even though my account was paid in full and early. 
I strongly suggest some type of investigation be initiated as it seems they are trying to get unjust fees from elsewhere from their customers. I will now waste at least another hour on the phone trying to resolve this.
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

XX/XX/XXXX I requested a refund of my student loan payments made in XXXX to Mohela. My payments were made to XXXX. Mohela took over my loans later in XXXX. I received a letter from Mohela ( see attachment ) stating I would be given the number to Customer Advocacy Team in 14 calendar days. On XX/XX/XXXX I attempted to contact this Team with the number provided but it was a non-working number. I called Mohela and they gave me another number which was just the general phone line not Customer Advocacy Team. They then stated they would transfer me to the resolution department, no one answered after 30 minutes on the phone. I called back and asked for a supervisor or the numbers to the Customer Advocacy Team or Resolution Department they stated they can't provide me with those numbers for me. I have been waiting for a supervisor and have been on the phone for 1 hour and 30 minutes. I have been told that Department of Education FSA are the ones who received my request for a refund of the loan payments. I have no idea if they actually received it or where they are in the process.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Good morning, My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was that the company was unable to provide me with a score. This is my second complaint as the first one was unresolved and I still do not have the correct information with equifax. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in 2-3 days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code XXXX  and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other 2 major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Please help.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Concerns Regarding Collection Practices Under 18 USC 894 I believe that the below agency may violate certain provisions under 18 USC 894, which pertain to extortionate credit transactions. Portfolio Recovery Associates and XXXX XXXX XXXX ( a ) Anyone who knowingly engages in or conspires to participate in the use of extortionate means : ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be subject to fines under this title or imprisonment for a term not exceeding 20 years, or both. ( b ) In any prosecution under this section, to establish an implicit threat as a means of collection, evidence may be presented indicating that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat is alleged, collected or attempted to be collected through extortionate means, or that the non-repayment thereof was punished through extortionate means. ( c ) In any prosecution under this section, if the evidence is introduced indicating the existence, at the time the relevant extension of credit was made, of circumstances described in section 892 ( b ) ( 1 ) or section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor regarding the creditor 's collection practices is unavailable, then, to demonstrate that words or other means of communication used as a means of the collection did carry an express or implicit threat, the court may, at its discretion, allow evidence to be presented indicating the reputation of the defendant in any community to which the person against whom the alleged threat was made belonged at the time of the collection or attempt at collection. These agencies have violated my rights and continue to do so.
Consumer complaint received 2023-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I reached out to the ombudsman department requesting a review of my account. I received a call on XX/XX/2023 wherein the offered me the following : New principal balance : {$370000.00} Interest : 5.994 % Term in years : 23 years I followed up on XX/XX/2023. I received a secured email letter stating the formal offer/modification is forthcoming on XX/XX/2023. 

I followed up again on XX/XX/2023 and received a letter informing me the offer was not approved. 

I have a Motion for Summary Judgment scheduled for XX/XX/2023. I did not retain counsel to represent me because I believed we reached a settlement. If I did not follow up I would not have learned that the formal modification was not coming. 

Now I am not prepared to argue against the Motion for Summary Judgment. This appears to be more misconduct by the lenders. 

Wells Fargo is the lender and XXXX is now the servicer.
Consumer complaint received 2023-07-17
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 (WI)

Capital One case XXXX XXXXXXXX ( contact for full number ) was opened to request the removal of charged interest. XXXX XXXX month XXXX  % promotional period expired on XX/XX/2023, and {$190.00} interest was billed XX/XX/2023. Seems simple enough, promo expired, payoff date was missed, so interested was billed. A request was made to remove the interest and it was denied at all levels at Capital One. The reason for the compliant ; Capital One does not disclose promo expiration date on the statements and it is not disclosed online. A call was made on XX/XX/2023 at XXXX PM ( XXXX ) as soon as the {$190.00} interest charge was seen, XXXX day after it was posted. Associate XXXX XXXXXXXX took the initial call, forwarding it to a XXXX  accounts supervisor named XXXX. They stated that the only way a consumer will know when the day the promo expires is to call Capital One. It never has and never will show up on the statement and can not be found online. XXXX bumped the request to removed the interest charge internally for further investigation ( see case # in first sentence ). On XX/XX/2023 the $ XXXX account balance was paid in full, except the disputed interest. On XX/XX/2023 the case was discussed with associate # XXXX, stating that the request to remove the interest charge is denied. All associates at all levels were polite.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Formal Complaint against Experian for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against Experian, a credit bureau XXXX for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to Experian, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with XXXX  and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$230.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to Experian requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

Experian 's response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, Experian continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as Experian 's actions appear to be in violation of the FCRA. It is my belief that Experian 's failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that Experian adheres to its obligations under the law. I have attached copies of the certified letter sent to Experian, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I am currently banking with US BANK Ive called several times to remove my overdraft protection & I keep getting over draft fees. Everyone Ive spoke to tells me something different about their overdraft fees and that I am not enrolled in overdraft protection. I have hundreds of dollars in fees for something that I shouldnt have
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Concerns Regarding Collection Practices Under 18 USC 894 I believe that the below agency may violate certain provisions under 18 USC 894, which pertain to extortionate credit transactions. XXXX XXXX XXXX and Midland Credit Management ( a ) Anyone who knowingly engages in or conspires to participate in the use of extortionate means : ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be subject to fines under this title or imprisonment for a term not exceeding 20 years, or both. ( b ) In any prosecution under this section, to establish an implicit threat as a means of collection, evidence may be presented indicating that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat is alleged, collected or attempted to be collected through extortionate means, or that the non-repayment thereof was punished through extortionate means. ( c ) In any prosecution under this section, if the evidence is introduced indicating the existence, at the time the relevant extension of credit was made, of circumstances described in section 892 ( b ) ( 1 ) or section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor regarding the creditor 's collection practices is unavailable, then, to demonstrate that words or other means of communication used as a means of the collection did carry an express or implicit threat, the court may, at its discretion, allow evidence to be presented indicating the reputation of the defendant in any community to which the person against whom the alleged threat was made belonged at the time of the collection or attempt at collection. These agencies have violated my rights and continue to do so.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

I need an inquiry removed from this credit report. I believe the creditor is violation of 15 U.S.C 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I submitted disputes to the XXXX credit reporting businesses and they still have the inaccurate information associated with me. I've filed disputes in XXXX XXXX and XXXX of this year. They report inaccurate information with no solid way of confirming accurate information verses fraudulent info.