davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Uber Technologies Inc. (NJ)

I was given an Uber gift card. 
When I tried to use it, it had a balance of {$5.00} less, which implies to me there was a {$5.00} surprise activation fee. ( It also gave an error, which is not the basis of this complaint. I wrote them about the error. ) The Uber terms and conditions do not include a {$5.00} activation fee. 

I have provided information on the only {$5.00} fee I could find, a ride cancellation fee, to show it does not apply.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (GA)

XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.
Consumer complaint received 2017-04-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC (IN)

On Thu r. XXXX -17 th  e Direct or for Planet  Home Lending  argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by  District Manager  in Florida by the name of  XXXX   XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is  XXXX .   Would appreciate you help. My name is  XXXX   XXXX   XXXX  any question please feel to contact me either by regular mail which is at this address   XXXX   XXXX   XXXX   XXXX   XXXX   Ind.  XXXX  or e-mail,  XXXX  I am  XXXX  yrs old and a  XXXX   XXXX  and my doctor said no  STRESS!    Thank you!   Thu rs.  X/XX/2017
Consumer complaint received 2018-03-30
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. (TX)

IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY
Consumer complaint received 2018-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Recovery Services, LLC (FL)

I applied for and received a pat day loan from XXXX, of which I had paid off and extended the line of credit ( believe it was {$800.00} ) of which I paid a majority of. I had to stop paying them as I was embattled in alimony payments with an ex-wife. Since the alimony payments have stopped, XXXX sold the debt to direct recovery services who has called my parents, called my brother in law, and also call a friend I've known for 35 years. They disclosed amounts owed to these people in their quest to receive payment, which is illegal. Further, I contacted the company and requested that they communicate in writing via my email account, which they sent me an email and I returned and accepted their terms of communication. That was around XX/XX/2018. In that time, they have contacted family members of mine disclosing the amounts allegedly owed, despite my request for online communication, again which is a violation of FTC laws. 
Clearly this company ( or these companies ) have no regard for personal information nor do they uphold their standards to what is allowed by Federal Law. So I am filing this complaint so others know what to expect if they ever deal with these companies.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

This complaint is off of a closed complaint ( complaint # XXXX ). I had a loan with Wells Fargo and they would not remove the incorrect balance. So what I did is had this account negotiated for paid in full for less than full balance.The agreement was that I pay {$1900.00} in return as paid in full and report a XXXX  ( {$0.00} ) balance. I made the payment and they told me they can not send me a letter until after the payment was made. I think they tricked me because now I still have a balance of $ 4,000+. I have all correspondence needed to show you. 

They told me this would be paid in full for less than full balance. They have lied to me and took advantage.
Consumer complaint received 2017-04-19
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (CA)

I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive  it. Ad Astra  originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, we received and auto loan from Ban k of America  in  XXXX   XXXX . Payments for first 3 months were done by auto phone. In  XXXX   XXXX , I set up recurring Auto Pay through Online B O A. Recently, we found out through looking at our credit report that Bank  of America r eported us late for  XXXX   XXXX  auto payment. In early  XXXX   XXXX , I received a check made out to " Ban k of America Auto Loan ''  for the payment amount. At that time, I called the phone number on the check. I was then told that it was not a check but a receipt for the  XXXX   XXXX  auto payment. This was not true -- it was live check which I then threw away. This incident created a big credit problem. At this point I thought the payment was made, but it was not. This created a drop in our  credit score  of  XXXX  points. I can prove that the money came out of our Bank  of America c hecking account for the auto Loan, however it was never applied to the loan account.   I have spoken to many people at Ban k of America a nd asked them to reverse the  XXXX   XXXX  late payment. I am getting the run around. No one will take responsibility. I have been to told to dispute at the credit agencies, which I have, and wait for the process/investigation to complete. I am not satisfied with this response. We have been their customer for 25 years. I would like for the CFPB to investigate to help resolve this issue for us.
Consumer complaint received 2018-03-30
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/18, an account/credit card was fraudulently opened in my name at XXXX XXXX. I filed a dispute to have the account removed from my credit bureau. A few days later, after apparently little to no actual investigation into the matter, I was notified that Syncrony had reported back to the bureau that the account was valid. I have now read accounts on the internet from many other people saying that their disputes were treated with the same careless attitude by XXXX XXXX. I refuse to stand for having an account that I did not open showing on my bureau. If they needed more time to " investigate '', that's fine, but to come back so quickly claiming they validated the account that I know is fraudulent almost makes them complicit in the fraud.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

I had a car loan with Ally Financial and I traded the vehicle right about the time the payment was due. The dealership took its time paying of the Ally when I traded the vehicle so Ally put a 30 day late payment on my credit report and when I called them and explained to them that I no longer had the vehicle the customer service representative were very rude and told me I better pay them my payments.
Consumer complaint received 2018-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX Total. 
I have attached What these items are :
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IN)

Store card name : Best Buy Issue : retro-active interest on unpaid interest free balance balance = {$260.00} interest charged = {$160.00} Time frame XX/XX/XXXX to XX/XX/XXXX Best Buy is billing me {$160.00} in interest for 1 week on a remaining balance of {$260.00}. 
As the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, commonly called the CARD Act signed into law XX/XX/XXXX protects credit card holders from unfair practices. Credit card users are protected from retroactive interest rate increases on existing card balances without a minimum of 45 days ' advance notice.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I had called into my bank o verify that my account was closed and to find out if they mailed me my cashiers check for my remaining balance. I was told many different answers and also several things i need to do to get my funds released to me. Prior to my bank account being closed I had requested to be able to go into a local branch and have my account closed right then and there. I was told I could not because my account was already in the process of being closed. My account was to be closed before XX/XX/2017. And I was advised numerous times by several different customer service reps that once my account is closed they will issue me my cashiers check. So when I contacted US bank inquiring about my funds and if a cashier check has been sent I was told I'd have to go to my local branch to get the funds released to me and that they would be able to send my funds which was placed in a recovery account directly to the branch that day. The department that advised me this was the security department. So then I was upset because first they said I cant go into my branch to get my funds and now they are saying I can. It has been a waste of time back and forth with US bank being told different things. The remaining funds in my account have been cleared since XX/XX/2017. The funds were and have been available. But I am getting the run around about getting my funds released to me. I decided to call US bank again to make sure that I would not be wasting more time taking off of work to go to the branch i wanted a direct answer that what the rep stated in the security department were correct. So I spoke with the main customer service and was told that none of this made sense and they didn't understand how I would be able to withdrawal my funds when my account has been closed. So they transferred me to the security department again and I was old that I have to go to the local branch and it would be up to their discretion to release my funds. And that I still would have to wait for the funds to be sent to my branch. This does't make sense what so ever. I was under the impression that maybe this is all happening out of spite because I did already file a complaint about having to wait for about a month for US bank to close my account. Which because of this I am now in the process of being evicted from my apartment because US bank wouldn't release my funds. I've had it with all the run around excuses with US bank I am a normal person that is employed has a family. I am not rich I work living paycheck to paycheck to support myself and my family. The fact that my funds are still being held in some other account for what ever reason it is, this just is not right. I was told by many different customer service staff that once my account has been closed my funds will be sent to me within 5 to 10 days. All I want is my funds released to me. I do not want to have to take off of work to waste more time for US bank to give me the run around..
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (DC)

American Express Serve has repeatedly placed all refunds on a review hold for review. I called them regarding this and they stated that its policy that is done to protect the customer. I find this to be outrageous. I purchased something then returned it, now you hold my money. No other credit card company does this. Once a return comes into your account its to be available to the account. 
I have included the transaction that is in question Transaction in question : XX/XX/ Merchant Credit Hold for Review - XXXX XXXX XXXX PROCESSING - {$31.00} Completed Transactions XX/XX/2018 Store Return XXXX XXXX XXXX + {$31.00} Original transaction Store Purchase XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA SHOPPING Edit - {$36.00} XX/XX/2018 Transaction ID : XXXX
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

This is for a care credit account for 3 necessary missing XXXX XXXX   as a XXXX. To not have them affected XXXX, XXXX, XXXX, and the look of the smile. There is a late payment from last month that we could not afford, so we did not pay the full amount ; however, I have already informed them that we are paying off the care credit account ( as much as possible ) when our tax return comes in one lump sum ( part of it was zero interest for six months, and then another part was an agreement for a two year payment plan ), but they don't care. They are calling at least 4-5 times per day, every day, starting around XXXX XXXX for weeks now, and filling up my voicemail with blank messages.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (CA)

I have tried numerous times to get this illegal reporting off my credit report from Equifax files. I finally got a letter from the company myself, and also fisrt data sent them a letter a month ago to get that item removed from my credit files. I am attaching the letter again for Equifax can get it again, and finally get this matter resolved.
Consumer complaint received 2018-02-13
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. (WA)

Hi, My Credit report show old collection which was close on XX/XX/XXXX. Since then no update has been happen, Even today its showing pending balance of {$3300.00}. Due to this my credit history is bad, and many time I rejected for personal and housing loan. Also paid almost 6.5 % interest for car loan. That time I was not aware root cause. 
Because of this issue I been denied for housing loan, in XX/XX/XXXX. That time house cost was XXXX, now same house cost increased to XXXX. Loan was denied at the time of disbursement, before that I paid initial token moth XXXX. After 2-3 months follow up I lost the deal. Since then I paid almost XXXX/month rent which is total close to 75000 plus. 
When I apply for personal loan then I realize the root cause of denial.
Consumer complaint received 2018-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On or about  XXXX    XXXX  , my   XXXX   XXXX    XXXX  mortgage was sold to Carrington Mortgage Services ( Acct. No.  XXXX  ). While with   XXXX   XXXX    XXXX , I went through a modification, wherein foreclosure fees were incurred and added to my principal balance, with the exception of some title and attorney fees in the amount of approximately {$1400.00}. These fees were added to my account as additional fees and NOT due and owing until satisfaction of my loa n (  language to this affect was outlined in our modification agreement ). S ince Carrington  has taken over the loan, they repeatedly include these fees in my total amount due each month and report this as a past due amount to the credit reporting agencies, thereby adversely affecting my credit. I 've called and they will not correct, and state they will continue to do this. When they took over my mortgage they assumed all the terms and conditions entered into with   XXXX   XXXX   XXXX   XXXX . This lender has horrible reviews and a flawed history. Please help. This is also the same issue for the co-borrower on my loan,  XXXX   XXXX .
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller, Stark, Klein and Associates (MN)

They keep calling and asking for someone who has never lived at our number which is a land line and we've been here since the house was built and I've told them they have the wrong number for whoever it is their looking for but they still keep calling asking for that person.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I have been a Bank of America XXXX member for over 10 years. 
I am submitting a request to rescind partial payment in the quantity of {$1100.00} for a transaction placed on XXXX XXXX, 2016. Bank of America has refused to pursue this dispute. I have submitted complaints and refund requests twice to Bank of America. None of my notes were included in my complaints or requests. I was not able to upload information to my dispute file that could have helped transaction agents decide upon this issue. 

This transaction was for XXXX XXXX treatment with XXXX XXXX XXXX, an online XXXX practice headquartered in XXXX, TN. The company takes your XXXX molds and creates XXXX aligner trays to  straighten teeth. Like braces, XXXX treatments are slow and take several months as teeth are slow to move. 

XXXX XXXX XXXX did not inform me that my case was outside of XXXX 's treatment specifications at any point prior to the end of my treatment. I was not informed during my pre-enrollment, my case approval, initial treatment, or any of the refinements that my case could be outside the scope of their treatment. I was informed after 1 year of treatment- leaving me without any recourse of monetary recovery or dispute coverage from my bank. 
Because of XXXX XXXX XXXX treatment plan, I went to a local XXXX for a diagnosis. My XXXX reported that XXXXs plan has caused XXXX damage, pain, and XXXX  erosion which needs to be treated. None of these complaints have been acknowledged or pursued by the company. 

I am not the only patient that has experienced issues and asked for refunds from this company. Several complaints have been issued by the Better Business Bureau ( BBB ).  There are complaints about communication and quality of service all over XXXX and their homepage on social media. 


I would like Bank of America to pursue the transaction dispute against this company. I feel taken advantage of by both Bank of America AND XXXX XXXX XXXX. I would have hoped that Bank of America would protect us customers. Sadly, I feel that this bank has not done so.
Consumer complaint received 2018-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (PA)

XXXX XXXX XXXX never mailed me anything to this account all I ever received was from a letter from Exeter Finance saying it was been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX never contacted me nor mailed a letter by law. I did not even have the right to dispute the debt that is on my credit report. 

Exeter Finance bought this account back from XXXX XXXX XXXX This account does not belong to XXXX XXXX XXXX