davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IA)

ON XX/XX/XXXX I GOT CHARGED {$36.00} TWICE FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED 4 TIMES FOR {$36.00} FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED ANOTHER {$36.00} ON XX/XX/XXXX I GOT CHARGED OVERDRAFT FEE FOR $ XXXX DUE TO GOING A COUPLE DOLLARS OVER ON XX/XX/XXXX I GOT CHARGED {$36.00} 3 TIMES FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED {$36.00} FOR ANOTHER OVERDRAFT FEE. I AS WELL ONLY HAVE A DEBIT CARD NO CHECKS OR ANYTHING THAT WOULD HAVE TO WAIT TO GO THROUGH FOR THE EXTRA FEES. I HAVE BEEN CHARGED FOR THE ONE TIME {$360.00} FROM OVERDRAFT FEES. 
I HAVE RECENTLY MADE A 2 HOUR TRIP TO XXXX IOWA TO TRY AND WORK SOMETHING OUT AND DISCUSS MY SITUATION AND MY OPTIONS. THE GENTELMAN SAID HE WOULD PUT IN THE COMPUTER THAT WE SPOKE AND LATER COME TO FIND OUT HE DIDNT AND AS WELL 3 TIMES A DAY US BANK WOULD CALL ON MY BALANCE. I HAVE A MEETING IN XXXX IOWA ON XX/XX/2019 AT THE US BANK TO DISCUSS MY OPTIONS AGAIN AND AS WELL OVER AN HOUR DRIVE. I HAVE EMAILED US BANK AND CALLED MANY TIMES AND EVERYONE HAS TOLD ME SOMETHING DIFFERENT. I HAVE ASKED ABOUT IF US BANK OFFERS HARDSHIP AND NEVER GOT DIRECTLY A YES OR A NO. IM ASKING ABOUT THAT BECAUSE FOR ALMOST 6 MONTHS I CAN NOT WORK DUE TO FINDING OUT I HAVE A XXXX XXXX WHICH THAN HAD TO FILE FOR XXXX. I HAVE OFFERED PROVE IF NEED BE TO SHOW MY HARDSHIP AND EXPLAIN THAT IT WILL BE SO HARD TO CATCH UP WITH SO MANY FEES AND WANTED TO SEE IF THEY COULD FREEZE MY ACCOUNT OR MAKE IT WHERE I COULDNT HAVE ANYMORE FEES ADDED.
Consumer complaint received 2019-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have been charged multiple late payments fee which my payment was not late. The payment was received 2 -3 days after the due date. Per company loan contract. Late fee {$14.00} will be assessed if the payment is received 6 days after the due date. I have highlighted the payments and late fee charges that I believe it is not correct. I tried to contact the company and they are so rude. I could not resolve the situation.
Consumer complaint received 2019-05-18
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. (CO)

XXXX/XXXX  Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I settled a credit card account with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.
Consumer complaint received 2019-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc. ()

I am an XXXX and XXXX  for website XXXX XXXX XXXX. I monetized XXXX XXXX with Google Adsense program, In XXXX I earned {$120.00} which I was paid. Then I worked hard on XXXX XXXX by writing more content to earn more money to support my family, in the month of XXXX and XXXX I earned {$300.00} and {$190.00} respectively. I was supposed to receive my XXXX earning on XX/XX/XXXX but Google disabled my Adsense account on XXXX XXXX just before the payout. Now according to Google terms if they disable the account before the payout they are not entitled to pay any money. So I lost {$300.00} and {$190.00} for XXXX and XXXX. They disabled my account for invalid click for which I am not responsible. I am innocent, I never clicked on my ads or encouraged anyone to do so. I know doing so will ban my account and I will be left with no money. I appealed several times to Google but I always receive an automated response within a few minutes saying they can not reinstate my account. I wrote many emails but received no response, there is no phone support. I was dependent on Adsense  earning, I am a mother with a XXXX-year-old son, I am suffering a lot because of this, please help.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NV)

XX/XX/2019. 
{$35.00} Victoria Secret Angel Card. 
I missed pay few hours on the due date because I have health issues, actually the last payment was a late fee charge.
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (CA)

We moved into XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Due to financial hardship, we had to move out before the lease expired because the landlord filed an eviction notice against us in court. on XX/XX/XXXX, we vacated the apartment with 0 ( zero ) balance and all the fees paid thru XXXX XXXX Superior Court. A month later I received a letter that stated that I still owe {$36000.00} in rent since I am legally responsible for it through XX/XX/XXXX. 
I contacted the manager of the property and was notified on XX/XX/XXXX that my former apartment had been already leased and I will get an updated bill soon. The updated bill came in 2 months after we moved out and the total amount was {$6500.00}, which is equal to 2 months rent. Yet the apartment was vacant for less than two weeks.
Consumer complaint received 2019-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

Good Morning, I am writing in regards to my loan payments. I have been making payments since I graduated from college. On the review of my last payment, I realized there was an amount on there from the federal government indicating I owed money. 

In XXXX, I was unable to pay any money from my student loans, resulting in the defaulting and garnishment of my wages. I was fortunate enough to have the garnishment paid in full in XX/XX/XXXX and the garnishment was ended. 

In the current loans I am paying, there is an amount indicating I owe that is the same amount I had garnished from my wages. I have contacted FedLoan.Org on these occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During each call, I was passed around and had no resolution or research done to confirm my loan dispute. 

I have continued to pay my loans, even though I feel I do not owe part of the amount I continue to pay. 

In doing additional research, I contacted XXXX on XX/XX/XXXX and they redirected me to XXXX XXXX XXXX XXXX, as they state the loans that I paid off in XXXX were originally serviced by them. They provided me with a number ( XXXX ). This number they provided is no longer in service and there is not a contact to this servicing group who could assist me. 

I believe the review of this matter is important because I am a consistent payer on my accounts. I am of the belief part of my student loans have been duplicated, causing me to pay a loan that I have already paid off 3 years ago. Please provide any assistance where you can to help remedy this situation and adjust the amount that I am paying monthly. 

Thank you.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, 2019, Chase offered the following special on my Chase Freedom card. 

" Earn 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards using your Chase Freedom/Freedom Unlimited card during XXXX. '' The fine print on the offer included the following : " Earn a total of 10 % cash back on up to {$2500.00} in total hotel purchases made through Chase Ultimate Rewards. Offer valid on purchases made XX/XX/XXXX XX/XX/2019. Bonus cash back will post to your account within a week of the transaction posting, and will appear on your monthly credit card billing statement and be available for use within 1-2 billing cycles. To qualify for this promotional offer, account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable. '' On XX/XX/2019, I made a hotel purchase using my Chase Freedom card through Chase Ultimate Rewards for a total of {$410.00}, fulfilling the terms laid out both in the main text of the promotion, and the fine print. This transaction should have awarded me XXXX bonus points. However, the bonus points did not post to my account within the stated timeframe. I contacted Chase Customer Service on XX/XX/2019 and received the following reply : " We researched the promotion you have requested. We found that the reservation was booked on your card ending in XXXX, a Chase Sapphire Reserve credit card. In order to receive the promotion, the reservation and transaction must have been made through a Freedom credit card, as this is a Freedom promotion. We regret to inform you that the account is not eligible for the promotion. " I appealed this denial because they were incorrect, and the reservation was purchased on my Chase Freedom card, which was targeted for the promotion, as required in the terms of the offer. 

I received the following reply from Chase Customer Service on XX/XX/2019 : " I definitely understand your reason for concern. I confirmed the purchase was made on your Freedom account ending in XXXX. However, the reservation was made on your Sapphire Reserve account ending in XXXX. As we previously advised the reservation and purchase must have been made through a Freedom credit card to receive the bonus points. I apologize for the inconvenience but we would not be able to add the bonus points to your account. '' In Chase 's reply, they are introducing new and misleading rules that are not stated within the original offer in order to deny my appeal. While they confirm that the purchase was made on my Freedom card, fulfilling the original terms of the offer, they are still refusing to honor the promotion and credit my account.
Consumer complaint received 2019-05-17
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NJ)

Regarding the CFPB case # XXXX ; The company Sears responded to the above case, but they did not solve the issue in a proper way. 

When I look at the documents sent by Sears, I saw 2 errors that a credit applicant ( me ) can not do. 

Sears First error : In their records, the name is seen as " XXXX XXXX XXXX ''. 
My name is " XXXX XXXX XXXX '', like a normal person I did not provide this information to Sears to open a credit card ( Even in the case they look at my ID card, they would see that my name is not XXXX XXXX XXXX ). I always use my name correctly when I apply for credit. This shows that the account is opened in an unresponsive manner. 

Second error : Company wrote that they sent all statements to my address when I mentioned that I never ever get any statement. According to their records, the credit card was opened at XX/XX/2017.  At that date, my residential address was " XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NJ ''. 
I never gave the address that Sears has in their records for a credit card. 

I have no idea how Sears opened a credit card with a false name and with a false address on my SSN. 

So, I had no information about the credit card, I never got their statements and because of unresponsible behavior of Sears, my  credit reports show 30 and 60 days late payment, my credit score drops. I suffer to get high APR for my Auto Loans and Mortgage payments. 

As a responsible credit user, I always paid all my loans on time in all my credit history. Sears ' unresponsible behavior created serious delinquency in my credit history.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I previously filed a complaint with XXXX  thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from XXXX  dated XX/XX/XXXX and the current copy of my XXXX XXXX report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from MIDWEST RECOVERY SYS on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent XXXX  the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report
Consumer complaint received 2019-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: General Motors Financial Company, Inc. (VA)

Normally a consumer is elated after buying a new car. However, those feelings quickly disappear when you learn that XXXX XXXX of XXXX, VA has engaged in deceptive practices, dishonest treatment of a consumer and simply refused to equitably correct the situation. DO NOT BUY A CAR FROM XXXX XXXX OF XXXX! This dishonest issue are as follows : False and misleading advertising posted internet sales price substantially below the MSRP. However, the sales people disregard the posted internet sales price and negotiate a price well above the advertised price. 
Not honoring the agreed upon trade-in value. Adjustments to terms of contract result in trade-in value received which is 31 & less than the agreed upon trade -in value. 
Exorbitant and egregious financing rates an exemplary customer with a XXXX FICO awarded with a 7.24 % interest rate, market interest rates are the low 4 % range. 
Financing Manager quote let the buyer beware Upon bringing these concerns to Dealership Manager, he attempted to correct the paperwork by raising the sales price of the vehicle. 
Dealership refused my written and verbal request to terminate the contract. 
Car purchased on XX/XX/2019, compliant filed XX/XX/2019, personally visited dealership on XX/XX/2019 to discuss resolution. 
NOT BUY A CAR FROM XXXX XXXX OF XXXX!
Consumer complaint received 2019-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Check from business was deposited by me to my checking acct via ATM and for the first time ever, a10 day hold was imposed ; both banking institutions are major banks, business and myself are local or within the same city area. I have been to my bank, businesses bank, and corresponded with business personell who provided check to me. My bank is not releasing funds and said the hold is from the issuer 's bank, the person from the business has said the check cleared their bank and the hold is from my bank. The issuers bank will not discuss any part of this with me. I just need either the funds released or be provided the documentation that the check is no good, possibly?
Consumer complaint received 2019-05-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

Original Creditor : Citibank / Best Buy This account is and was under dispute with Citibank and Best Buy. The story is long and complicated but here are the steps we have done XX/XX/XXXX We purchase two TVs, installation services, and mounting equipment online XX/XX/XXXX We go to the store to pick it up. Best Buy ( XXXX XXXX ) reverses the web purchase and creates store purchase for one of the TVs XX/XX/XXXX The TV that was reversed to a store purchase is delivered and installed but has issues XXXX XXXX TV is picked up by Best Buy ( XXXX XXXX ) and returned to the store. We have commitments from the store manager, electronics sales that since it was bad the TV and installation services would be reversed XX/XX/XXXX No reversal so we call multiple times and through multiple channels. Best Buy says the TV had been reversed ( seeing the XXXX XXXX initial reversal for a web purchase and store purchase ). We get that part straightened out but still no credit for the TV sent back XXXX XX/XX/XXXX Multiple calls and meeting with Citibank, Best Buy customer service and Best Buy ( XXXX XXXX ). I go into the store and one of the stock people happens to be there listening to our story. They ( Best Buy XXXX XXXX ) realize they have had the return all along but nobody registered the return. They commit again to reverse both the TV and install charges. 
XX/XX/XXXX TV charges finally get reversed but the install charges ( {$300.00} ) still exist XX/XX/XXXX onward Keep disputing was told that Best Buy customer service and manager and assistant manager of Best Buy would handle and give a reply. Never get a reply. Account was still under dispute when turned over to XXXX XXXX Still under dispute. Can't get online documentation of the dispute because Citi closed  account
Consumer complaint received 2019-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I disputed this account with XXXX and Equifax twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date XXXX has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with Equifax and have been shoved to the side and not attended to. Equifax has not even replied to my dispute and request to validate this erroneous account.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC (OH)

To Whom It May Concern, The reason for my dispute is WILLIAM RUSH & ASSOCIATE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, WILLIAM RUSH & ASSOCIATE # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) WILLIAM RUSH & ASSOCIATE # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation WILLIAM RUSH & ASSOCIATE # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where WILLIAM RUSH & ASSOCIATE # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. WILLIAM RUSH & ASSOCIATE # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.