davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

O
n XX/XX/XXXX I opened a Citibank Account Checking online where a promotion was advertised for {$300.00} for opening an account. There was a delay in processing the opening on Citi 's ed but the account was opened and it was confirmed on the phone that the promotion was attached to my account.
The terms stated : Within 45 days after account opening, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Savings Plus Account or Citi Savings Account and maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date you made your qualifying deposit.
Within 45 days after account opening, complete 1 qualifying Direct Deposit to your checking account or make 1 or more qualifying purchase transactions with your Citibank Debit Card totaling {$250.00}.
On XX/XX/XXXX I deposited {$15000.00}. OnXX/XX/XXXX I deposited {$340.00} and I made a debit purchase for {$250.00}. My statement ending XX/XX/XXXX shows an ending balance of {$15000.00} and I maintained {$15000.00} or more the entire time of the first 30 days since my deposit.
I have called and done live chat and I 've been told that my bonus is coming. Yesterday I did live chat and was told the back office was being contacted and that my bonus would post in 1-2 days. I will attach this live chat from yesterday. Today I received a letter that I 'm not eligible for a different bonus which required a $ XXXX deposit for {$500.00}. This is not the account I applied for.
Consumer complaint received 2015-08-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

My Husband and I have entered into a contract to sell our home. We accepted an offer and relied on the information that the party was prequalified to purchase our home. The mortgage broker for the buyer did not perform due diligence and verify that they qualified for the loan prior to closing escrow. The day escrow was to close they found various red flags and now we stand to loose out on our deposit on the house we are trying to purchase. There must be remedies for this in regards to companies that prey on people and do not follow through.
Consumer complaint received 2017-08-30
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. (NY)

Credit reporting agencies of XXXX, Experian and XXXX  are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have at least three times submitted payments ( well before the due date ) online from my checking account ( with CapitolOne ) to my credit card with CapitolOne, and have had it returned AFTER my due date with some nonsense that the bank refused to pay the bill - but I receive not notifications on my checking account that it 's been refusing payments. Also, this all occurs AFTER I receive a confirmation that my payment has posted. I know the information is correct because the accounts ARE LINKED ON THE WEBSITE! The only way around it has been to submit payments from another checking account from a completely separate institution.
Consumer complaint received 2017-07-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. 
I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

My care credit account was charged for the wrong amount by my dentist. I disputed this amount and was advised by Care credit this will be credited. I called and spoke with several agents however I kept getting told this will be credited and the issue resolved. Care credit also enrolled me into one of their insurance plans where by they would make my payments if I was XXXX or became unemployed. It so happened I did become XXXX and later unemployed and provided all documents requested by care credit .I was getting charged a monthly fee for having this insurance to pay for my care credit account while I was XXXX and unemployed. Care credit did not pay a single penny towards my bill and the dispute was never resolved. Everytime I would call I would be told the account will be reviewed and no one would take ownership. Finally they sent my account to collections and I disputed the collections account too. The different companies my account went to never sent me any correspondence. I was able to obtain all this infor from Care credit after calling several times. Finally this account was sent over to XXXX XXXX XXXX XXXX XXXX and I requested a validation of debt letter. Till today this company has not provided that and has threatened me several tme that they will sue me and will make sure I lose my JOB. They served a letter to a XXXX person where I get mail and this letter was open. employees at the XXXX  store knew what the content of the letter was as well as it was handed over to them. I have called Care credit again and again and now keep getting told care credit has changed names and I am not able to obtain any information from then. I have to call the attorneys office who the debt was sold to. Care Credit sold this debt to a 3rd party and now I am been told by XXXX XXXX XXXX XXXX XXXX since they purchased this debt they are not obligated to provide a debt validation neither can I dispute this debt at all. XXXX XXXX XXXX XXXX XXXX advised me they will sue me unless I paid {$500.00} upfront and pay the balance in a lump sum. I am been charged for a debt that I do not owe nor can this debt be validated by Care credit or XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I found some inaccuracies on my credit report under 15 USC 16c-2. The inquiries mentioned were not authorized by me and are negatively affecting my credit. Please remove these unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My credit report contains mistakes related to 15 USC 1681c-2. There are inquiries listed that I never authorized, and these are harming my credit. Please take action to remove them.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Capital One numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Capital One XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2017-08-30
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. (CO)

XXXX XXXXl is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/2016. Ally has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DC)

PNC Bank charged {$140.00} in overdraft fees, claiming XXXX transactions resulted in separate overdrafts of my account. I believe they manipulated the order of transactions in order to maximize the fees that could be charged. As the attached screenshot shows, they processed higher transactions first, which resulted in each small transaction ( each less than {$8.00} ) resulted in a separate {$36.00} overdraft fee.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and I notice there are a bunch of unauthorized credit inquiries made. My credit was illegally ran by XXXX XXXX XXXX in XXXX, IL. I did not give them permission to run my credit and while out for a test drive they ran it and sent it to finance places. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into these XXXX inquires to determine who requested this credit inquiry. The same day, XXXX XXXX in XXXX, IL did run my credit with my permission so those inquiries are correct. According to XXXX XXXX, before they ran my credit, they said I had XXXX inquiries from XXXX XXXX XXXX. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Around XX/XX/XXXX I applied for and was approved for a Citibank Costco Visa card. On XX/XX/XXXX, I requested that my Citibank XXXX XXXX with the account number ending in XXXX be closed. At that time I tore up the card and discontinued it 's use. Please see the email attachment confirming closure of the credit card.
On or about XX/XX/XXXX I discovered that the card was not closed, and that a single recurring charge posted to the account. By the time I discovered the source of this charge, the card has been reported against my credit report as being over 60 days late twice.  Since the account was supposed to be closed, I did not monitor any activity on the card. I was not receiving any statements from Citibank either online or by regular mail. But this charge posted to the account and despite resolving this with Citibank.
I did receive a notice that I had a late payment on my credit card account. When I contacted Citibank, they pulled up my new Costco card and not the AAdvantage card  by mistake. They told me that the notice mailed to me regarding a missed payment was an error and to disregard. Again, since the AAdvantage account was supposed to be closed, that account was not checked. Had the Citibank representative practiced due diligence, they should have discovered the old AAdvantage account was not closed and the problem could have been resolved at that time.
This error has taken a significant impact on my credit. Citibank 's error dropped my credit score from and XXXX to a XXXX ( and at one point a XXXX ). I have been a Citibank customer since XX/XX/XXXX and up until this point I have never had a late payment with them. This late payment was not my fault. This late payment was due to CitiBank 's failure to properly close my AAdvantage account in XX/XX/XXXX. Had this account been properly closed, the single recurring charge would not have posted.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MA)

I recently refinanced my mortgage with Quicken " rocket ''. Quicken repeatedly tried to charge me points for rate locks where ( 1 ) the cost was not disclosed prior to the charge being assessed ; and ( 2 ) no options were presented with regard to the length of the lock or the cost of various alternatives. I refused to pay and Quicken removed the charges but showed no remorse and apparently think there was nothing wrong with their behavior. I believe this practice is costing consumers many millions of dollars per year in needless charges that they are not astute enough to recognize or complain about. I would hope the CFPB would require fuller disclosure of rate lock costs and options. ( I am a XXXX, and had no idea this type of behavior was permissible ).
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (NV)

On XX/XX/XXXX through XX/XX/2017, my debit card number and pin were stolen and money was fraudulently taken from my US Bank account, XXXX separate ATM withdrawals XXXX for XXXX, XXXX for XXXX and XXXX for XXXX each, a total of XXXX. The bank allowed them to take my account over XXXX in the negative which caused XXXX in overdraft fees, this is something I virtually never do which makes me wonder why the fraud department did not catch this as fraudulent activity. But they did not catch this fraudulent activity, however ; I noticed it and reported the fraud on XX/XX/XXXX. I was informed I must submit a document which they would email me, I never received the document in my email, so I went to a branch to fill it out and have them fax it in, which I did on XX/XX/XXXX. They informed me that I could not have provisional access to the funds ( totaling XXXX ) for at least 10 business days. I asked when that would be and was told the money would be back in my account on Tuesday XX/XX/XXXX. And yet today, still no money. I called back today and was told that whoever told me that was mistaken and it wo n't be until XX/XX/XXXX, a full 19 days after the fraudulent activity. The criminals were not only allowed to take my account into the negative ( something I can not do ) they also exceeded my daily limit for withdrawals from an ATM. Why the bank did not catch this has not been explained to me. I have a 5 year pattern of withdrawing funds from the same ATM twice a month, and virtually never deviate from this pattern. The criminals who stole my debit card information greatly deviated from this pattern and still US Bank 's fraud department noticed nothing suspicious. The fraud department has not been in the least bit empathetic or willing to help during this time period. Having over XXXX taken out and not replaced for going on three weeks has to say the least posed difficulties. As soon as this is resolved, I will be moving my banking business to another financial institution. When I voiced these concerns to several fraud department employees they all had the same canned response showing that they really have no concern for the well being of their patrons. I strongly encourage all US Bank customers to carefully think about seeking alternate banking arrangements so you do not suffer the same difficulties in the event your card is compromised, something which is sadly inevitable in the world in which we live.
Consumer complaint received 2017-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: PNC Bank N.A. (NJ)

This complaint is about a private student loan I received back in XX/XX/2012 for PNC Bank for my first year of college. Unknown to my cosigner and I PNC had signed me up for a XXXX School Loan ( XXXX XXXX XXXX Loan Program ) despite the fact that this was my first year in college in an XXXX degree. 

The loan terms for this particular loan are vastly different then that of an XXXX loan. The main issue I have been having is that it was a 4.5 year max before the loan entered repayment. After which I entered my 6 month grace period and entered repayment in XX/XX/XXXX, right after I graduate. This loan has very few options for deferment or forbearance. Currently I can not claim economic hardship on the loan without first pay 12 months of the loan. After which I will only be granted 1-2 months of forbearance, and have to complete another 12 month payment cycle to get another period of forbearance. 

These loan terms are extremely ridiculous in general but are even worse since I was unknowingly forced into this loan my freshman year
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

This account with Optimum Outcomes need to be returned back to XXXX. For one it was a XXXX visit I left and never saw a Physician. I am XXXX since XXXX so XXXX should have submitted it to XXXX. Social Security submitted all this to XXXX. So the miscommunication is with XXXX billing Department. XXXX did not send me anything regarding this charge, because I would have disputed this balance, Because I was only XXXX and the wait was to long so I left I did not see a doctor. XXXX would need to submit this back to XXXX for they could submit it to XXXX.