davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In mid XX/XX/XXXX I've noticed that one of my Bank of America credit accounts has been removed from XXXX credit bureau. 
I contacted the bank, a case number XXXX for account ends with XXXX was opened. 

About a month later I got a letter with the result : during the investigation they found that account reports correctly to XXXX and XXXX bureaus, but it doesn't report to XXXX. 
I was told that in case I want that account to be reported to XXXX, I have to fax signed request and provide the account number, so I did on XX/XX/XXXX to a fax number : XXXX to attention of XXXX XXXX. 

Two weeks later, in XX/XX/XXXX I got a second letter with the same request and on XX/XX/XXXX I've sent another fax message with the same request to report my account to XXXX. ( attached ) A month later I called and asked about the status, but I was told the case is pending until XX/XX/XXXX and I have to wait. I've asked few more times to get a witten letter with the case status, and finally my request was accepted and at the end of XXXX I got the letter under another case ID ( attached ), but the letter gave me no information at all. 

When I called on XX/XX/XXXX, they refuse to discuss and told me the case is pending until XX/XX/XXXX and I have to wait. 

Today I was told that the case is pending until end of XXXX and I have to wait. 

The account is still missing from XX/XX/XXXXcredit report. 

Please advise. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

I signed up for the Experian credit monitoring on the Experian website. The agreement is you get to see your scores and have access to monitoring for 7 days for {$1.00}. If you do not cancel during the 7 days, you get charged {$24.00}, and then {$24.00} every month thereafter.

I signed up and paid the {$1.00} o

n XX/XX/XXXX. Two days later, on the XX/XX/XXXX, I signed back in to cancel. The website informs you that cancellation can ONLY happen via phone, and a phone number is provided. I called the number, and after waiting on hold for over 2 hours, I finally had to leave the phone I was calling from. Now today, on XX/XX/XXXX, I have again experienced the same thing. It has quickly become painfully obvious that there will be no telephone conversation with Experian before XX/XX/XXXX, the date on which they are
scheduled to take my first {$24.00}.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XX/XX/XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, Equifax and XXXX is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since XX/XX/XXXX.
Consumer complaint received 2018-03-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and Bank of America. There could be more but these are the two which I received letters for.
Consumer complaint received 2018-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

My girlfriend & I were scammed out of {$140.00} when attempting to buy event tickets through XXXX & paying through XXXX. XXXX 's website seemed legit but their " only send funds to trusted recipients '' statement was hidden in their website & not clearly displayed. Because funds were easily pulled from my Citizens Bank checking account, I believe the transaction was legit.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MS)

I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it. 

XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me. 

At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help! 

Respectfully, Unhappy in MS
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (WA)

I want Northland Group to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NY)

Care credit claims I owe {$1500.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have requested competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. They stated I have made payments towards this account. I've ask them to send me a copy of the account payments where taken from. Whom the payments where being made from. They said they verified and confirmed my identity over the phone but if I am being threaten or scared into a debt, I am not sure what other information they could have received from me. I am requesting documentations
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

Due to misunderstanding, medical debt was sent to collection. I sent a check immediately to the address in the letter for the amount of {$52.00}. The check cleared on XXXX, but I continue to get letters from the collection agency saying I still owe the debt. I communicated back to them AND to the original XXXX. to stop with the letters, but today I received yet another one. 

Transworld Systems Inc Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am concerned it could impact my credit when I handled it as soon as I knew the XXXX. office didn't consider the matter settled.
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MI)

TCF was the bank that I had my small buisness account with for the last 4 years, they have recently went to online digital banking and so when I pull up my account to watch funds I see a running balance, that is not accurate, they hold funds and then they return checks even while the funds are there. They recently the week of XX/XX/XXXX thru XX/XX/XXXX paid and returned 90 percent of my payroll checks, even while having funds in there, I had employees say that they had the funds and then the money was taken away 4-5 days after the fact. It has cost me from TCF as well as abank charges that my employees incurred. The management at the bank could not even make sense of why there were so many returns, I think these banks are taking advantage of people. It saddens me, and I went and closed the account, but in the end over 4 years, they have cost me around 3000.00 in return fees, that there is no reason things should have been returned, there needs to be better laws on these instutitions. 

Shameful XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Late payment reported for XX/XX/2024 Creditor has violated my right to privacy. 
15 USC 1666b states that 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 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.
Consumer complaint received 2018-03-26
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received Targeted Promition from Citi Advantage Platinum Select Credit card. It offered XXXX miles after spending {$3000.00} in 3 month as a benefit. When I received card and all the paper along with it I couldnt find the XXXX miles benefit on it. On XXXX XXXX I called customer service and raised concern. Ive been assured that I am eligible for this benefit. After spending {$3900.00} and not seeing the miles, I called customer service again and been told that because I have closed another credit card within 24 months, I am not eligible for the XXXX miles. How this Targeted Promotion was sent to me if I wasnt eligible? Citi got two sets of materials that they sending to the customers : one with full benefits and another for duped people with the short benefits. There was nothing in the application disclosing eligibility requirements. Citi is in violation of the Truth in Lending Act and should stop deceiving practices.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Letter from XXXX XXXX of XX/XX/18 states, " We did not approve your request '' for a credit card. " Based on information from.. .Equifax . '' I'd send a copy of XXXX 's letter, but I don't know how to send a copy of this letter in an email, since it is a hard copy letter, not an emailed one. 

I tried to contact Equifax automatic phone request line, had difficulty navigating their machine, telephoned & spoke to a real person who said he himself couldn't send my credit report, tried online & almost received my copy but the Equifax system said it wasn't working at the moment, and I should try again some other day. 

I tried to request a copy of my credit report again through their phone request line, and was told there would be a charge since I'd already requested my file recently. ( The file they couldn't send me because things weren't working on their end. )
Consumer complaint received 2018-03-16
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: DISCOVER BANK (NJ)

On XX/XX/XXXX, I applied for a personal loan from Discover. I spoke to XXXX, she offered 4.99 % interest rate. I am attaching the picture of the flyer they sent me where I wrote down name of agent, date, amount, & interest rate. I called today for the XXXX time to get a solution to this problem to no avail. My account is : XXXX Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XXXX XXXX : XXXX Discover 's tel. # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am trying to refinance my rental property. I had a Chap XXXX Bankruptcy XXXX in XX/XX/XXXX. This year in XXXX will be 7 years. I had to shortsell my primary residence in XX/XX/XXXX after years of trying to save it. While it was included in the bankruptcy, I was trying to get a loan modification. In the end the payments were too high and I had to short sell. XXXX has rules in place that state you must wait 4 years after the XXXX to be approved for a refi. The mortgage debt was included in the Bankruptcy and yet I'm being held to the shortsell dates in addition to the Bankruptcy years for a total of 11 years before I can qualify for a home loan refinance. This is not fair, the debt was XXXX and I've waited my XXXX years. Someone needs to review these scenarios as this is not unusual.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Applied for a credit line increase, was denied due to not using the card enough. Wanted to do a balance transfer away from another credit provider due to agendas. 

Attempted to contact credit provider to override automated denial only to learn that there is no way to talk to a human to make the determination if a credit increase due to circumstances is warranted. 

There should be a way to talk to a person who can make decisions in this regard.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The FCRA states that the ONLY permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) court order. 
The following inquires are related to none of the aforementioned permissible purposes. 
XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2018-03-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

The XXXX have worked with Chase and XXXX for well over a year now to avoid having their home go to foreclosure. They have lost their income and are living with their children. XXXX XXXX has suffered 2 XXXX XXXX in this last year. Finally after involving the CFPB I have received the attached approval of the Short Sale from XXXX, the first lien holder. I also received the attached payoff demand from Chase. Finally we thought the transaction could close and the banks would receive their payoffs and the XXXX  could move from under this cloud. 

The Chase payoff which was executed last week was expiring on XX/XX/2018. Escrow requested it be extended to match the terms of the first lien approval. I received a call this morning at first claiming the demand was never sent, then claiming it was sent in error. When pushed if they would honor it, XXXX said sure, if you close in 5 days. Very glib and sarcastic, knowing that was impossible. So here the XXXX are again suffering form the Chase runaround, a year later. I am sending, faxing, mailing documents to Chase, they claim not to receive. I have attached the documents I have referenced.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I mailed Capital One a letter and check, number XXXX. The letter was an agreement that upon cashing, the debt would be resolved as paid in full and deleted from the three credit bureaus. On XX/XX/XXXX the {$75.00} cleared my checking account but as an ach debit. On XX/XX/XXXX I received an alert that my Capital One balance had been reduced {$75.00} and not removed. 

Attached is a copy of the letter and check that was sent. The debit from my checking and the update of the balance being reduced.
Consumer complaint received 2018-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

On Friday XX/XX/2018 I went to Western Union branch at the local supermarket to transfer {$1500.00} US dollars to XXXX ( tracking number XXXX ) When the person I was sending the money to went to the bank to get the money they were informed that it will paid in local currency and not US dollar. Further more the exchange rate was lower than market value by about {$30.00}. I called WU to get an explanation but I was informed that I chose this option when I sent the money, I then informed the person on the phone that I wasnt given an option at the time of the transaction and that when she informed me that it stated on the receipt. 
Upon reading the fine print on the receipt I found that WU makes more money in addition to the fee charged from converting the currency. I even went on their web site to find out if they ask at any point how would you like the money to be received and found none. 

I feel WU acted in a deceiving way to make more money from my transaction and failed to inform me of my rights in regards of how will the money be paid out.
Consumer complaint received 2018-03-26
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: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Purchased a Certified PreOwned 2018 XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. During the negotiation process the Finance Manager " XXXX '' verbally relayed to me that my monthly installments would be {$450.00} for a 72 month term, after I verbally agreed to the price I was handed over to another individual ( I dont recall his name ) to do all of the necessary paperwork. During this process I was offered GAP insurance which I declined after being asked a couple times. Next I was offered a Paint and Interior protection for my car called " Xzilon '' which I also declined a couple of times, but the individual was very persistent in persuading me to get this ad-on. Finally after telling me that the " Xzillon '' add on would only be an extra {$3.00} a month bringing my installments to {$450.00} I verbally agreed to the add on. After finishing my paperwork, I was told that my car would not be ready the same day nor was I able to see the car. I was told the car would be available the next day XX/XX/XXXX around XXXX. I was given a loaner car but was not given my paperwork for my car I purchased. The next day on XX/XX/XXXX I picked up the car around XXXX and was given my paperwork in a sealed envelope. When I arrived home I opened up my contract and realized that I had been given false information about my initial loan installment.The actual monthly installment I was approved for through my bank was for {$430.00} a month w/. 3.19 % interest. I was never told by XXXX about the {$430.00} installment only the inflated + {$25.00} amount of {$450.00}. I feel this was an underhand sales tactic with the assumption that I would accept one of the add ons. Instead of the Xzilon being {$3.00} extra a month it was actually {$25.00} over the entire 72 months of the loan which I would have never agreed too. This added an extra {$1800.00} to my loan as opposed to {$210.00} ( $ 3 monthly ). I emailed and text the salesman the next day who referred me to the Finance Manager. On numerous attempts I called and emailed both the Finance Manager and the General Manager and either was told they were off or not available. Finally I received a call on Saturday XXXX, XXXX 5 days later and spoke with a gentleman by the name of XXXX XXXX. I explained the situation to him and he replied that " he would see what he could do, but the paperwork had already been submitted to my bank ''. I explained that I had been trying to reach someone since the XXXX but no one had replied. I called the bank that I was financed through to get some advice and they advised that I have the dealer to simply cancel the contract and resubmit the contract with the correct payment amount. I have not heard back from XXXX XXXX since our conversation. I have not had the Xzilon installed on my car as I was told this would be done at a later time.