davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
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: CITIBANK, N.A. (IN)

My Best Buy Account was opened XX/XX/XXXX. I received the first paper statement, and attempted to create an online account to view my balance and make my payments. XX/XX/XXXX - I had problems creating the account online. I chatted with Online Support who told me to open a different browser. I then called Customer Service who said the same thing. After going through a very convoluted process, the account was setup. XX/XX/XXXX - I was not able to login to my account again AND their website kept taking me in circles between two screens. I called Customer Service, spoke with XXXX, and make my payment through them. They were not able to help me login to their credit card site. I asked XXXX to enable paper statements so that I would know my balance and payment information. XX/XX/XXXX - I received a payment reminder with my balance and minimum amount due. No paper statement was received as requested. My attempt to login to the site was unsuccessful, I did not have time to call Customer Service again. XX/XX/XXXX - I am within 4 days of my payment date and tried to login to the site to make my payment. Login failed, I received a message to call Customer Service. I called Customer Service, after going through their very long automated system, I was connected to XXXX who listened to my complaint and put me back into the automated phone system. I then spoke with XXXX who had me change my password, but I could still not login to the site. When I asked her what to do next, she said wait 1 - 2 hours. she told me I was luck to have gotten to the point where I could change my password. others were not so lucky. I still can not login, I have not yet made my payment. Total time on the phone 20 minutes, 8 seconds without a resolution.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I obtained a corporate credit card from  American Expres s through my former employer. The credit card was mandatory requirement for my employment. During my tenure, I used the card on two occasions for personal purchases. Due to the work volume, I did not make the first scheduled payment and inquired a late fee  10x  the amount of the purchase which was less than {$20.00}. When I resigned the company did not close the account I am incurred a bill for almost {$300.00} for a purchase less than {$20.00}. The representative from their company advised that they do not report my account to any credit bureaus. However, I keep incurring ridiculous amounts for late fees. I only should be responsible for the amount of the purchase made.
Consumer complaint received 2017-12-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (SC)

I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.
Consumer complaint received 2017-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian and XXXX credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

Back in XXXX ERC stated that I owed original creditor XXXX XXXX XXXX equipment fee of {$100.00}, they posted it negative to credit bureau 's. I disputed this and proved to the credit bureau 's that I paid the account in full, so ERC agreed to take the negative report off, I also told ERC not to contact me back in XXXX. 
Now ERC Has called called me twice in 2 weeks and sent me a collection letter for the same account from XXXX XXXX XXXX recently. 

I called XXXX XXXX XXXX ( now called XXXX ) and spoke to XXXX XXXX ID ; XXXX on XXXX XXXX XXXX, she verified that I paid this in full on XXXX XXXX XXXX account # last four : XXXX. 

ERC keeps on contacting me on this settled account please help me with this or inform me on how to take further legal action against this company. 

I very frustrated with dealing with this every couple of years.
Consumer complaint received 2017-12-18
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. (MO)

I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (OK)

I have had an account with American express and it was a charge card which I was not familiar with how it worked. They asked me for multiple payments of 10 % on the balance and they still charged the account off and it is impacting my credit score negatively along with them putting it into collections. I received a letter from American Express stating that if I paid off the balance I could receive another credit account with them. I am not interested in another account with American Express at this point in time. I would only like to pay the amount that is owed. I called and asked for help and no one at XXXX seemed to be remotely interested in helping me get the issue resolved. I was transferred multiple times and told that no one could assist me. I manage my credit responsibly and I have never had a late or delinquent payment. They did n't seem to want to work with me and I had to come here to seek help. I am willing to pay the entire balance and I have informed American Express of my intentions. The representatives on the phone that I spoke with most recently were very rude and unwilling to provide assistance.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. XXXX XXXX claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (FL)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX  ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

I want all of my credit freeze/unfreeze costs paid for with all bureaus as well as compensation for credit monitoring for as long as this breach of confidential data remain a risk for me, which is forever if my name/DOB/SSN/DL # has been exposed - or at least as long as this industry keeps treating an SSN and a smattering of largely disclosed and/or public information as a private key.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/XXXXI took a phone call from a debt collection representative at Synchrony Bank for an Amazon XXXX Store Card. The debt collector informed me that he was calling regarding my debt and that my account was still ACTIVE and OPEN and if I paid the past due amount, then I would be able to use available credit line that was on the card.
I informed the rep that the account had been closed in XXXX 2016. He said that was not true, that the account was OPEN and ACTIVE and that the past due amount needed to be caught up.
Over the course of the call, the collections rep repeatedly lied about the status of my account in an effort to coerce me into paying the past due amount.
According to the FTC regarding Debt Collection, Debt Collectors may not make false statements when they are trying to collect a debt.
The representative that called me on XX/XX/XXXXencouraged me to go to the Synchrony Bank website, log into my account, confirm that the account is open and make that payment there.
I checked my account on line and it is closed. I 've also confirmed what I already knew with a Synchrony Bank representative on XX/XX/XXXX.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (CO)

Equifax did not take the appropriate measures to ensure protection of my personal identification. Therefore, my personal information has been potentially breached requiring me to take initiative in at attempt to protect myself. This has cost me both financially, emotionally, and caused me to waste valuable time. I fully expect the situation to be rectified by ensuring protection of my personal information and financial compensation.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

CFPB 's choices do not allow me to select an accurate description of my problem. 

After XXXX  's security breach, I placed Security/Credit freezes with all 3 credit bureaus. 

No problems with XXXX, which was done online. However, Experian and XXXX both told me that " there were problems '' and that I could not continue ( I have copies of the exact wording if you need them ). They said I needed to mail them information. Neither told me what was wrong. 

So then I called them. Try to find a phone number! They 've done a great job at making it as difficult as possible to get their phone number, but I did wind up getting numbers. 

I was able to place my credit freeze using the phone and their automated systems. At least they told me I had successfully placed a freeze on my account and that they will mail me a confirmation. 

XXXX did not charge me - it never came up in the automated phone prompts. Maybe because of the mess they created? XXXX unexpectedly and very rapidly told me my 10-digit PIN which they generated and a confirmation number. I recorded both calls ( Experian and XXXX ) and XXXX did give an option to replay the long msg, but poor design. 

In XX/XX/XXXX I had a dispute with XXXX as they did not have my correct current address, which changed in XX/XX/XXXX. My driver 's license, mailing address, voter registration and even library card all had my current address, but not XXXX! They even had my mortgage of the house at the address where I was living but apparently did n't think I lived there. 

Summary of my complaints : 1. When they can not process your information, they do not tell you why ( sure, they may purposely want to keep it vague, but I 'm requesting a Freeze, not opening a new acct ). Here is Experian 's exact wording " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' 2. Wonder why the online method failed, but automated phone system worked. 

3. No phone numbers are given in their ' can not process ' message. 

4. Finding the correct phone number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number which said they were closed but then gave me the XXXX number which I was able to use. 

5. Credit bureaus must face stiffer penalties for poor data quality. They have too much power and are not responsive. If any fraudulent accounts were opened during the time a credit/security freeze was attempted and the time it actually happened, which could be a long time if someone used US Mail, they need to be held liable for all expenses incurred by the victim.
Consumer complaint received 2017-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On  XXXX / XXXX / 2017  I noticed a hard hit on my credit report fr om Capital One B ank. Apparently someone has used my information to apply for a card. I have not done so.. Nor have I approved anyone else to.. I 've been working very hard to pay off my debts and improve my  credit score. The  hard hit only took off  XXXX  point but I ca n't afford to lose  XXXX  point ... The credit card help like informed me they could not provide me information about where the card request originated from. They told me all I could do was to mail them a copy of my credit report and a letter outlining the unauthorized card request . Hope for the best I guess. There is no department I could actually talk to about the problem.
Consumer complaint received 2017-09-10
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I My home was valued at {$550000.00}. I applied w WellsFargo for a ReverseMortgage. I went through counseling and completed all documents I thought I had a line of credit on my home balance {$290000.00}. When the loan processed and final docs showed line of credit I asked where was the money I was told we were n't eligible for any money/line of credit. I asked where was the line of credit accrued and used they said that was just a control number that I did n't have any equity credit. I have repeatedly asked to speak to legal XXXX for an explanation. DISCOVERY came recently when I tried to Refi my reverse mortgage and three lenders asked me how I got a reverse with " that much equity '' and no line of credit or cash out. I also did not know I was n't given final money disclosure doc until " a lender '' looked at my WF docs and I did n't know specific info. Now I recently went forward to again attempt to Refi and 30 days after WF notified me my ReverseM was being transferred to another lender. 
PROBLEM if reverse mortgages can not be granted unless ( as a lender explained to me recently ) the home owner benefits from RM how did WellsFargo write me a RM on an appraised {$540000.00} house w balance {$230000.00} but I did not get any financial benefits. We were ages XXXX/XXXX.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2017-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NY)

I 've been paying my car loan for at least the last 4 years. With a maturity date of XXXX/XXXX/2018, I calculated that on my current monthly payments, I would still owe over {$1600.00} on the loan. After contacting the bank, the explanation given was n't clear, making me think there would be a " balloon payment '' at maturity. If so, it was n't explained to me when the loan was issued. Even though I 've requested 2 extensions during the life of the loan, I do n't think the fees + interest would come close to {$1600.00}.
Consumer complaint received 2017-12-18
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: EQUIFAX, INC. (AZ)

I am a victim of identity theft and someone stole my personal information and opened up the following credit card accounts unauthorized and fraudulently in my name : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, The accounts are fraudulent and do n't belong to me. I never ever applied for the accounts.
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates (GA)

On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I initated two account deposits from my XXXX checking account to Coinbase. Both transactions one on XX/XX/XXXX for the amount of {$1000.00} and the second on XX/XX/XXXX for {$500.00} were completed by XXXX on XX/XX/XXXX and fully funded to my account in Coinbase. When logging into Coinbase account funds show in a still pending state and unable to move money back. 

I have reached out to support numerous times and received no reply. This company is horrible, very misleading, and should no doubt be banned in the United States as this is no way to treat customers
Consumer complaint received 2017-12-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Over the past year in a half I have attempted several times to have all three credit bureaus to remove incorrect information on my credit reports. I 've also sent many letters to the creditor asking them to provide me with details on the account they claim I owe. I 've requested original documents with signatures of when the account was open and to date I still have n't received any information. In the past, I have been a victim of fraud and identity theft. I am requesting this information be removed from my credit report.
Consumer complaint received 2017-12-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Since XX/XX/XXXX my auto loan with them was paid from my business account automatically every month. In XX/XX/XXXX, XXXX XXXX, somehow, could not withdraw the funds for two months form the account that they always withdrawn before. At the time I was traveling to XXXX XX/XX/XXXX through XX/XX/XXXX and I realize the problem after I looed at my mail and immediately I made payments and I re establish the bank account so they can get paid on time. I spoke to them about the problem and expressed the question to them why it happened all I get was that my payment was returned. At the time of the incident the business account had sufficient funds but they couldnt get it so I established anoether account with much less funds in it the it worked??? Because of their technical difficulty now they have reported me as I am late and I suffer from low credit score.