davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
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: TD BANK US HOLDING COMPANY (TX)

I made a purchase with XXXXXXXX on XX/XX/2018 using my XXXX credit account issued by TD Bank. I scheduled the delivery of the TV and the delivery company did not show up when on the date it was scheduled, so I had them return the TV to XXXX. So I never received the TV. Order number with XXXX is XXXX. XXXX Tracking number is XXXX. 

XX/XX/18. XXXX XXXX XX/XX/18. Shipping company XXXX did not deliver the tv as promised. 
XX/XX/18. Talked to shipping company and told them to return to XXXX. 
XX/XX/18 XXXX received the TV back at there warehouse. 
XX/XX/18. XXXX finally acknowledges on my account that they received the tv, but never issues a refund to TD Bank. 
XX/XX/18 Talked to XXXX and the hey said they canceled the order so a transaction was canceled so there should be a credit with TD Bank. 
XX/XX/18 TD Bank says they show a transaction and it was not canceled with them. 

Agents Name at XXXX was XXXX XXXX XXXX at XXXX Agents Name at TD Bank was XXXX at XXXX TD Bank also told me I need to continue to make payments until the dispute is resolved.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

We have had a continuing issue with Capital One Spark Card posting payments on time. Latest issue was in XX/XX/XXXX. Payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1500.00} ( considerably more than the amount due and enough to pay the entire card ) on-line via our XXXX XXXX bank account. XXXX XXXX records show they sent the {$1500.00} payment via paper check through US Mail on XX/XX/XXXX. I was disappointed that these two mega banks could not find a way to transfer funds electronicaly to each other, but thought all would be fine because we still had 4-5 days until payment was due. Should be enough time for mail delivery and posting, or so I thought. 

Unfortunately, Capital One did not post payment until XX/XX/XXXX, a full 18 calendar days after I sent funds on line through XXXX XXXX. Either XXXX XXXX did not truly send funds on XX/XX/XXXX, the check got held up in the mail, or Capital One was very slow in posting payment. In the meantime, Capital One sent an update to credit reporting agencies that we were 60 days past due on payment. My FICO score dropped 41 points overnight as a result. We are looking to re-fi our home mortgage, and this dropped my score below 700. Now the lender we were working with is no longer willing to give us best rates. 

In researching this issue with both XXXX and CapOne, we have learned that this has been a consistent issue for several months- payment takes up to three weeks to post ( I have dates from bank statements, confirmed by XXXX service ). By the way, XXXX XXXX service has been terrific. CapOne- not so much. My understanding is that XXXX has contacted CapOne to confirm to CapOne that they ( XXXX ) sent payment on XX/XX/XXXX. So, CapOne should be well aware that this is their error- not mine or XXXX XXXX . 

My complaint is that CapOne seems to have sloppy operations where it takes them up to two works or more to post payment after they have evidently received it. Their neglect should NOT have a negative impact to my credit rating. XXXX XXXX has been great. I have made mutiple calls to CapOne and they say their is nothing they can do, other than to look into it again which will take an additional 60-90 days. They have alrady looked into it and sent me confirmation that eveything they have reported is accurate. I have very little confidence that they even understand my complaint- THAT IT TAKES THEM TWO WEEKS+ TO POST PAYMENT. They seem to be stuck on their actual posting date, and say all is accurate because the posting date is what was sent to reporting agencies. They keep missing my point that the whole issue is that they have had a check in hand for two weeks and they have failed to post it. Not my fault they have XXXX operations, but my credit rating has seen considerable damage as a result of their sloppiness.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (MN)

I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government. 

The financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me. 

2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees. 

3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. 

4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department. 

5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY ()

I am based out of XXXX. I hold an AMEX Platinum Reserve Card. During XXXX XXXX, AMEX conducted one promo where if card holder makes INR XXXX spend, qualified for INR XXXX worth gift voucher. I qualified for the same but never received the vouchers. 

I made numerous calls to AMEX support center in XX/XX/XXXX to get them send me the vouchers. Every time I hear from them that they sent the vouchers, but I never got it ( I was keenly checking my inbox and junk folder daily for the voucher arrival ). 

On XX/XX/XXXX, one of the representative sent the voucher from her personal email ID in which I first saw the voucher, which already expired on XX/XX/XXXX! 

Again I had spree of calls with their complaint escalation chain several times. They kept on delaying the response and every time come back with same answer of not providing me a valid voucher. 

I reached up to the top level of escalations. Now I somehow manged to get the call recordings of the calls I made to the customer support several times in XX/XX/XXXX. I need help to get the voucher which I am entitled to.
Consumer complaint received 2018-03-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SFS, Inc (PA)

In XX/XX/XXXX I contacted XXXX XXXX XXXX for XXXX loan. I had not realized the interest rate was over 300 %. Now in XX/XX/XXXX I have looked back over the five loans I have taken out and the service fees have been much higher than what was explained to me by the representative over the phone. For example, the loan disbursed in XX/XX/XXXX for {$500.00} had and immediate {$150.00} service fee added on to it before I even made a payment. 
Here is a list of loans to date amount borrowed and amount I paid back to pay in full. 
After first loan was paid in full I received weekly emails telling me I was approved for more money and to contact them. I added their email to my spam folder in XXXX and did not hear from them again. Due to full disclosure I did initiate the future loans through a phone call but was never told the high interest or amount I would b paying back. Due to the fact that I live in Pennsylvania ( I saw article online stating these companies can not operate in this state ) I would like the final payment of {$550.00} waived from paying this creditor. I have paid them a total of {$700.00} back on a {$500.00} loan to date. 

XX/XX/XXXX borrowed {$150.00} on XX/XX/XXXX paid off for total of {$220.00} XX/XX/XXXX borrowed {$300.00} on XX/XX/XXXX paid off in total {$450.00} XX/XX/XXXX borrowed {$500.00} on XX/XX/XXXX paid off {$800.00} XX/XX/XXXX borrowed {$800.00} on XX/XX/XXXX XXXX paid back {$1600.00} XX/XX/XXXX borrowed {$500.00} as XX/XX/XXXX still owe XXXX paid back {$700.00}, in conclusion, I would like one click cash investigated. The payment they attempted to pull from my bank on XX/XX/XXXX was flagged by my credit union due to it trying to pull from as account overseas. I called my back to release the payment. 
The reason for the concern is we found an article online about a settlement in XX/XX/XXXX about this company.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KY)

I opened my mortgage loan with Greentree Financial in XX/XX/XXXX for a total of {$30000.00}. My interest rate was 12 %. The loan passed to the hands of XXXX, back to Greentree, then finally to Ditech. During the duration of my home loan, I did have financial issues resulting in placing several payments on the back of the loan, which I made interest payments on those payments at the time. I was forced to file Chapter XXXX in the late XX/XX/XXXX 's, which was discharged in XX/XX/XXXX, I believe. There were extra costs incurred by Greentree at this time regarding the bankruptcy. It was explained to me at the time that those costs were listed as Corporate advance on my statement. Which until a few months ago was in the amount of {$2900.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this amount decreased each month to currently {$2200.00}, I do not know why. I had contacted customer service several months ago to inquire about why my payments were still going mostly to the interest and not the principal. I never received an answer, when I asked what would happen when I made the last payment in XX/XX/XXXX of this year, I was told I would just keep paying. I then contacted an attorney to help this situation. After giving him my loan papers and the ammoritization of payments he instructed me to request binding arbitration, which I did in XX/XX/XXXX. This did nothing, except add {$700.00} to my XX/XX/XXXX payment. Ditech found fees from XX/XX/XXXX that had not been applied to my account. The customer service rep could not tell me what the fees are for. The only paperwork they have sent to my attorney was an ammoritization of payments, which he says does nothing to explain why I still owe 80 % of the loan amount 20 years later. I made the last contracted payment this past month, Ditech has reported to the credit bureaus that I am delinquent on my account. My attorney contacted me last week stating Ditech had sent him a letter informing him they were going to start foreclosure proceedings against me. I am not going to sign any paperwork to continue making payments on an amount I do not believe I owe. I did inform Ditech I would still be making payments equal to the house payment, towards the Corporate Advance amount. I believe I do probably owe extra regarding interest accrued for late payments, but I do not believe that amount to be {$21000.00}. I am at my wits end regarding this issue. When speaking to customer service I have asked for a supervisor, or a higher person to discuss this with, being told they would call me back. Those calls were never received. The only explanation I have received is it is late fees, the paperwork sent does not explain how Ditech has accrued this amount. Any help or information is greatly appreciated.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NC)

I was set up with autopay for my XXXX credit card. XXXX changed something which resulted in my autopay not going through. XXXX did not contact me to tell me about this change. Upon learning of the issue, I immediately paid the balance and XXXX simply reactivated my autopay. I have contacted XXXX on the issue and have not been able to come to a conclusion.
Consumer complaint received 2018-03-03
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: Atlanticus Services Corporation (AZ)

I checked my credit score and it said I had a new hard inquiry from XX/XX/XXXX. However, I have not given permission for anyone from this institution to do a hard inquiry into my credit report. I would've contacted them but I have no information into it. I looked them up and don't know any service they provide that I would've even considered giving my permission to. Below is exactly what was in my report. 

" XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. ''
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with Transunion and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WY)

The following accounts are reporting as charged off on my credit report and have not sent me a 1099c and this is violation of 15usc1681e ( b ) please remove these accounts from my credit report as soon as possible # XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX I have also filed an ftc report # XXXX because my x wife used my social security number with out my permission while I was in XXXX  in XX/XX/2021 and also I was victim of a data breach/identity theft.please remove the aforementioned accounts from my credit report.i have sent XXXX dispute letters to XXXX XXXX and equifax since I found out my identity was stolen.these accounts are stopping me from obtaining a home and a car.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/21 I filed a complaint through the Equifax dispute center against XXXX/XXXX  regarding a settled account. On XX/XX/21, XXXX/XXXX  verified with Equifax that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to Equifax showing the account had been settled, Equifax validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the morning of XX/XX/18, I deposited four checks at Bank of America, three for $ XXXX {$13000.00} each, and one for over {$300000.00}. The funds were put on hold for processing, but within 24 hours, BofA released all my money. My " available balance '' reflected the full amount of the deposits, there were no holds, the money had been withdrawn from the two accounts on which the checks were made ( which were also my accounts ), and so I paid some bills. 

After 8-10 hours, BofA RETROACTIVELY placed a hold on the full amount of all four checks. And my account was suddenly overdrawn. ( Some of the bills were immediate cash transfers to credit cards. ) When I called customer service, I was told that while BofA indeed indicated the funds had been released, I should have known better than to believe it, because it was such a large amount. Additionally, I should n't have deposited the smaller checks ( checks I deposit with the bank every month ) with the large one, because that was the only reason those funds were also subject to a nine-day hold. 

Now I have an overdrawn checking account and many checks and transfers that will now bounce. And several BofA customer-support staff and managers say it 's all beyond their control. 

What 's not beyond my control is finding a new bank, which I will do the moment the funds clear. I 've been a BofA customer all my life, I have a checking account, a money market account, two credit cards and an IRA, and all will be closed. Also, these checks were from my own accounts, and several were regular deposits that had never been held up previously and, again, BofA simply tells me I should have known not to deposit them simultaneously. I also should have known everything would be held for nine days, even AFTER BofA 's own website reflected the funds as cleared for the entirety of one business day.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NC)

I submitted a complaint in XX/XX/XXXX. I worked with Citi Mortgage and completed all needed paperwork and sent all needed forms in. I also sent {$2000.00} to start paying my loan. I sent the payment in in XX/XX/XXXX. The money was accepted and I went to the foreclosure meeting and informed the attorney ( Citi Bank attorney ) that I sent in a payment. She was very surprised. I completed all the paperwork as given in time. I spoke with XXXX XXXX XXXX and she informed me that she received all the information and that it was being processed. On XX/XX/XXXX I received the {$2000.00} check back with a letter dated XX/XX/XXXX. I also received a letter stating Citi Mortgage was selling my loan to XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. They provided me with account number and contact information to contact them after XX/XX/XXXX. I scheduled a telephone contact with XXXX XXXX and she told me the modification was not completed and to watch my mail for information on it. I am confused if they have sold my loan how are they still working on the modification?. XXXX XXXX stated that Citi was not servicing loans anymore and it had nothing to do with my pay status. XXXX XXXX also said that she needed other paperwork after thanking me for sending in all needed paperwork with no further request from Citi Mortgage. I contacted the new agency on XX/XX/XXXX and was told they had no information of my account and that they did not know what my payments were and anything about my loan. I feel that Citi Mortgage is trying to make me loose my home. My credit rating is in the dumps and I can't help myself with this matter please help me this is my home.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I transferred a balance to my American Express card for a 4 % fee and no interest for 12 months. I transferred it from a card where my APR was 13.9. On my first bill I noticed that I was charged the transfer fee as well as interest at 22 %! I called them they apologized and took off the interest charge and said it will not happen again. The next month I'm charged interest again. I call them they said they know it's a problem and notated my account. The interest fee was never refunded for last month and my bill this month has another interest charge on it. I feel like 3 months is more than enough time to solve this problem and I am tired of having to call every month and getting nowhere.
Consumer complaint received 2018-03-03
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. (MN)

I have been a victim of identity theft. I contacted Transunion several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.