davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I worked well over a year to get a Citibank Secured Card and graduate it. My card was graduated but it was not graduated into the card I had worked all this time to get. I would like my card to be graduated into a Citi XXXX card. I was graduated into a Citi XXXX XXXX card. After three calls into customer support Ive been told that Im out of luck, even though I had stated this was the intended card over a year ago. 

Im requesting my XXXX XXXX be PCd into a XXXX card.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My accounts are BOA overdrawn. Accounts ending XXXX and XXXX. The accounts ending in XXXX and XXXX should n't even be open. My debit card was stolen and unauthorized transactions were made on the account. I advised BOA to investigate, refund the charges and close the accounts, which has never happened. Now accounts XXXX are overdrawn as well with more unauthorized charges. I have been having nothing but problems with BOA and my accounts with them.Their agents refuse to help and do what I the consumer am directing them to do. I demand the charges be refunded and all accounts be bought current. Also for accounts ending in XXXX and XXXX to finally be closed like I 've been requesting BOA to do.
Consumer complaint received 2017-11-05
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. (NJ)

XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Consumer complaint received 2017-11-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC (OH)

On XX/XX/XXXX2017, I borrowed the amount of XXXX USD. My purpose for the loan was that I was going through a divorce process. Since I have lost one of two jobs that I was holding, now I am unable to pay the amount of XXXX per month. My income can not cover this amount. I tried on many occasions to get this payment amount lowered. Integrity Funding XXXX will not work with me on a lower payment options. But instead XXXX ( Loan Rep ) yells and threatens to sue me and even threaten to call my boss to let him know about this debt, in which it puts me at risk to lose my job. Also they threaten to even repo my vehicle. I want to pay this loan, but at an amount that I can afford. I ca n't take the threats or harassment anymore. I am stressed, also XXXX from the loan company ( integrity funding ) did not even provide an mini-Miranda? Or even verify my DOB or Social? That is an FDCPA violation.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On or about XXXX XXXX, 2017 XXXX issued a refund to a secondary account on this card, the name on that account was XXXX XXXX, in the amount of {$3800.00} with a reference number provided by XXXX of ID : XXXX
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SUNTRUST BANKS, INC. (MD)

SUNTRUST BANK- CREDIT CARD DISPUTE- CASE # : XXXX I filed a chargeback in XXXX, XXXX with Suntrust Bank against XXXX an online merchant for a dress that I ordered on XXXX website from XXXX on XXXX/XXXX/XXXX which is defective and not as described. On XXXX XXXX, XXXX, I faxed documents such as pictures, messages between me and seller requesting for refund to Suntrust Bank. On XXXX XXXX, XXXX, I was issued a temporary credit of {$130.00} for the dress and on XXXX XXXX, XXXX when I received a letter from Suntrust Bank requesting for additional information, I learnt that the chargeback was denied and the credit removed from my account because the merchant and seller provided evidence that the item was shipped to me. I disputed the transaction because the dress I received is not as described and not because I did not receive the item. If Suntrust Bank compared the dress I received with the picture of dress provided by seller and merchant, they would have noted the difference in the item I received. I had already provided all the evidence about this case to Suntrust Bank including pictures of the dress and I indicated on my complaint that seller has refused to provide me their shipping address and have not been able to return the item. The seller wants me to keep defective item. In the past, I had provided documents requested promptly before the deadline and the recent correspondence that Suntrust Bank mailed to me was dated XXXX XXXX, XXXX but I received the mail on XXXX XXXX, XXXX. The seller initially offered me a partial refund of {$50.00} which I refused to accept and demanded fro a full refund. Seller also refused to provide shipping address when I told them I wanted to return the dress. If the seller has a valide claim, he would not offer a partial refund of {$50.00}. Also, if Suntrust Bank is diligent in their investigation, they will know that the transaction is not valid because the seller accepted to give me a partial refund of {$50.00}. I would appreciate your assistance in recovering my money- {$130.00} from Suntrust Bank and the Merchant- XXXX
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Equifax keeps deleting an account from my credit and adding it right back on causing my score to decrease. It happened on XX/XX/XXXX as well as XX/XX/XXXX. I am aware that this is not allowed and I have to be notified in writing 5 days prior to it be added back on.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STATE FARM BANK, FSB (TN)

In summer XXXX I incurred unexpected auto repair expense that wrecked my fixed income ( Social Security ) ability to pay my two credit card payments. XXXXXXXX XXXX  was very helpful and gave me a long term no interest payment plan that I've been paying for over a year. State Farm Bank ( now bought by XXXX XXXX ) put me on their hardship program in which my payments were {$60.00} per month for a year. In XX/XX/XXXX this hardship year elapsed. My XXXX statement was 50 % more than the hardship payments for the previous year. During the hardship period my income decreased by more than 10 % due to XXXX deduction. On XX/XX/XXXX I called State Farm/XXXX XXXX and asked to remain on the hardship program. " XXXX '' told me that day that " we can't do that '' at which time I informed her that " yes, you can ; you just refuse to do so. '' I happen to know that the bank can do pretty much whatever it wants, up to and including writing off the entire account balance. From XX/XX/XXXX to XX/XX/XXXX I made no less than a dozen attempts with State Farm/XXXX XXXX  to arrange payments I can actually afford. All I got was the " we can't do that '' lie. " XXXX '' told me this same lie on XX/XX/XXXX. I have a voice recording of that conversation. On XXXX XXXX someone at the bank brought up the " permanent hardship program '' and I asked " why hasn't anyone told me about that before? '' The bank person had no answer and I was never offered the chance to be in this heretofore unknown program and they never brought it up again in all the numerous calls, letters, and emails I sent them relative to this matter. In XX/XX/XXXX they sold the account to a debt scavenger and I've made one payment to them and figure to continue doing so. My complaint has to do with whether the bank can blatantly and repeatedly lie to its long time ( more than ten years of not being delinquent ) customers with the " we can't do that '' lie. Also that no effort was made to tell me anything else about the so called " permanent hardship program '' that was only mentioned that one time in XX/XX/XXXX.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted XXXX and Transunion to remove unauthorized inquiries on numerous occasions, with the most recent time beingXX/XX/XXXX Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (FL)

XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed a dispute with transunion regarding a credit care balance that was affecting my credit score. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you 're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

This information is not correct. This is mistake on the part of transunion. Shortly after the report by transunion my credit score declined. I fell transunion retaliated against me because of my complaint.
Consumer complaint received 2019-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I have been struggling to make minimum payments on my loan since I first graduated school. I was mislead by my school about this loan they pressured me into, trying to get me to take out even more for living expenses despite me telling them no several times, and later found out I was being charged 16 % interest on my loan while I was in school, which was then capitalized on year after year. My loans are all sitting at around 12 % interest even after being told over and over on the phone that my interest rate would be lowered to .01 % if I made on time payments for 3 months. I made the payments for 3 years and got nothing in writing despite NUMEROUS requests, and no valid proof my loan interest rates were lowered. My school has now been sued ( XXXX XXXX XXXX ) and has agreed to cancel the student loan debt of students its been charged with lying to. I believe I qualify for that discharge but because of the private loan I was pressured into I have had a very difficult time getting any help with my loan. I now owe $ 56,000+ when I originally borrowed {$32000.00} and have paid around {$12000.00} since 2008. I am calling my lender and recording the call, I will advise them I am recording it and I would like to forward that call to the CFPB.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I pulled my Experian Credit Report and noticed inaccurate information. I sent a letter on XX/XX/XXXX via certified mail ( see attached copy ) challenging the accuracy of this information and requesting the source from which they obtained this information and they validate this information and provide me with documentation associated with this account bearing my signature or in the absence of such documentation deleted this information from my credit file. After 30 days, I received no reply from Experian.
On XX/XX/XXXX I contacted Experian. I spoke with a person who identified himself as " XXXX '' who informed me I received my dispute letter on XX/XX/XXXXand responded verbally that the information had been verified. I asked him the " source '' of the verification, as it was not listed on my credit report and he said it was verified by the Courts. I then told him I had a letter from the courts stating they do not supply any information to credit reporting agencies. He then said he received this information through a third party reporting agency. I asked him who the agency was so I could reach out to them directly but he said he was not at liberty to disclose this information.
Please the attached letter from XXXX  datedXX/XX/XXXX verifying my request to suppress all public information. It is my understanding it is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from an unnamed 3rd party could be considered false information on your credit report.
I would appreciate any help you can provide in resolving this issue.
Consumer complaint received 2017-11-03
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. (GA)

I filed a dispute with Equifax on XX/XX/XXXX confirmation # XXXX and XXXX # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXX and that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigationXX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results today XX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.
Consumer complaint received 2021-08-09
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-11-04
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 (AK)

On Friday XXXX XXXX I received an email from Capital One stating my account was being closed due to inactivity. I admit I only use this credit card for emergencies and have not actively used it in about 3 years. I did use it on XXXX XXXX and again on XXXX XXXX and immediately paid the balance in full on XXXX XXXX. I called customer service the day I received the email and asked what was going on and why they were closing my account to which they were unable to help me because it was still processing in their system. The agent assured me that someone would call me back in a week. I asked them to confirm I should have a call back by Friday XXXX XXXX and they confirmed. I never received a call as promised so I called in today Saturday XXXX XXXX and gave them my info, placed me on hold so they could review the notes, came back and said they were going to transfer me to a supervisor. I spoke to the supervisor and had to tell her everything again including the fact that I 've been a customer for 17 years. She stated that it 's not in their policy to call cardholders back so she apologized that the one agent told me they would before. She continued to tell me they really do care for their customers but there was nothing that can be done. I have told Capital One numerous times if they offered to lower the interest rate I would consider using it more as my credit is really good and I have another credit card that is about half the APR that they are. I was again pretty upset so I told the supervisor that they do n't really care otherwise they would keep my account open. She did offer for another department to call me back in 3 to 5 business days but I told her why should I bother when they are going to tell me the same thing and waste my time doing so. I was done with the conversation and if I stayed on the phone much longer I may have said things I did n't mean so instead I told her to have a good day and hung up before she could state anything more from what I assume is a guidebook they hand out on how to deal with situations.