davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

My name is XXXX XXXX. I am writing to complain about interest charges made by Santander Bank in the amount of {$34.00} interest rate charge assessed on my Master card # : XXXX on the last statement ( for the period ending XX/XX/2018 ). I do not believe I should have been charged that much according to the terms of the agreement we have. The balance I owed on the prior months statement was originally {$2800.00}, due by XX/XX/2018. I paid a total of {$2700.00} by the due date and the amount I paid posted to the account by XX/XX/XXXX. 

That left a balance owed of {$82.00}. That was the balance upon which interest charges, I believe, was supposed to accrue. I point to the written terms of our agreement ( found on the reverse side of every Mastercard statement from Santander Bank at page 2, left column ) where it states : Santander will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest free period. 

Therefore, under the plain meaning of the agreement, the interest rate on my account ( i.e., 9.74 % ) should have only been assessed on the amount still outstanding -- $ XXXXso that the interest was about XXXX cents a day so the total interest charge should have been about {$1.00} ). However, I was charged interest of {$34.00}! 

Clearly, I was charged interest on the amount that I paid while in the interest free period in contravention of the terms of the agreement we have. I called Santander bank ( i.e., Santander N.A.  ) on XX/XX/2018 ( XXXX ) and spoke with " XXXX '' who agreed the interest charged looked incorrect and that she would note the complaint and I would hear back in 5 days or so. I never did. I called again and was told the bank stood by their calculation, but no explanation was provided. 

I then wrote the bank at their address listed for disputes via letter dated XX/XX/XXXX and waited 2 weeks, but received no acknowledgment of my complaint. I flag this complaint to your office as I suspect this could be a standard practice whereby Santander may be padding its bottom line by encouraging staff to assess interest in contravention of their agreements on Mastercard accounts. 

The {$34.00} interest charge is too small for me to bother with a small claims court claim, so I kindly request your office to look into it if its within your jurisdiction to do so. Thanks so much. 

I think Santander was wrong under the explicit terms of our agreement and ask that you please again review the decision as I think there is human error or a misunderstanding here. Once you have reviewed the matter, please contact me to let me know the result.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (OR)

I was sent a collection notice by EOS CCA stating that I owed XXXX {$77.00} for a bill from years prior. I called both EOS and XXXX  for proof of such a bill and neither were able to supply me with documentation of what I was being charged for. The XXXX representative said they did not keep records after 2 years and were unable to provide me with the bill. I repeatedly called EOS for months requesting the documentation from XXXX and have yet to receive anything to this date. I will not pay a bill that can not be backed up by proof of service/no payment. Unfortunately, this has had a significant impact on my credit score as a result despite many attempts to resolve.
Consumer complaint received 2019-12-16
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: CITIBANK, N.A. (OH)

On XX/XX/2019, I contacted Citi because I did not receive my credit card bonus for signing up for an Aadvantage Card at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see, the link says you are not eligible for the bonus if you have had the card in the previous 24 months. 

After not receiving my bonus offer, per the terms of the website which Citi controls, I contacted Citi because they had not honored the advertised offer. 

Citi advised I was ineligible because I had opened and closed a business card within a few days. I advised this was not the case. I was instructed to contact the fraud department, which I did on XX/XX/2019 when I spoke with XXXX. The fraud department determined I was correct, that I never opened a business account and closed it within several days. I confirmed the same to Citi. 

On XX/XX/2019, Citi said they would have the issue promoted for review. 

On XX/XX/2019 Citi conceded to me in an email, that I would receive the XXXX bonus miles, per the language of the offer on the website, within 2 billing statements. 

On XX/XX/2019, having not received the bonus, despite Citi advising they would deposit the miles, I contacted Citi inquiring as to why. 

Citi advised I was ineligible to receive the bonus because I had a previous card opened within 48 months, which is contrary to the information and language posted on Citis website, at the link above, which I relied upon when signing up. 

I advised Citi of the previous email I received, but Citi refused to honor the language in their own offer, after Citi had already conceded I was correct in the XX/XX/2019 email. 

All I am looking for Citi to do is follow through with what they told me they were going to do, after I spent countless time going over this issue with them. 

At this point, I feel defrauded.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : COLLECTION CONSULTANTS ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I was charged a late fee even though a credit to my account ( from a return ) well before the payment due date more than covered the minimum payment due. They stated this is part of their policy but their disclosure ( Regulation Z / Truth in Lending Act ) did not include any such criteria/language. I repeatedly asked to be directed in their disclosure agreement where it stated a credit ( such as a return ) does not count as a payment. They were unable to do so and provided a copy of their Regulation Z / Truth in Lending Act disclosure ( the same one I already had ). I am aware of this practice as such a disclosure is clearly noted for an account of mine from different institution. I offered to provide this example to them but they were not interested.

When I asked the name of their regulator, specifically for UDAAP and Regulation Z, I was told the FDIC and then later told to XXXX  that information.

My phone calls to them lasted 35-40 minutes each, largely spent being transferred or on hold.

The late fee is now the only balance on my account.
Consumer complaint received 2018-11-20
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2018, left a message at place of employment ( secondary contact ) with no call to primary contact number, to contact Bank of America. Auto payment was due XX/XX/2018,  without penalty by XX/XX/XXXX. This occurred in a prior incident when representative was rude to COWORKER stating the call was monitored and an attempt to collect a debt, then stated to me I dont know why youre upset youre the one not paying your bills. I spent the afternoon at local Bank of America branch updating my contact info in their computer and my payment history obtained and clarified never 30 days late, noted on my acct to NOT contact work number. Yet this has occurred again, no mail notice, no contact to primary number provided. NO help from BOA by phone.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (KY)

On XX/XX/2018, I attempted to send {$70.00} to someone using XXXX. The transaction failed on the app. under my activity tab, it does not show that the transfer was successful. Additionally, I never received an email stating that the transaction processed. The intended recipient never received the funds. However the {$70.00} was withdrawn from my bank account. On XX/XX/2018 I called XXXX customer service. They told me that they can see that the transaction failed and they are not showing that the money was withdrawn. They told me that I would have to contact my bank. After getting off of the phone with the XXXX customer service person, I called XXXX XXXX bank to file a dispute claim. XXXX XXXX issued a {$70.00} provisional refund and started the claim. On XXXX XXXX, XXXX XXXX denied the claim and took back the {$70.00} refund. I called both XXXX XXXX and XXXX multiple times on the XXXX XXXX to resolve the issue. Both companies keep telling me that there is nothing that they can do and that I need to contact the other company. I ended up sending the {$70.00} to the intended recipient using XXXX XXXX instead. I have not received my initial {$70.00} back.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Okay so when I started my credit back in XX/XX/2018, on of the card companies I signed up for capital one credit cards, but I had an issue with them, they approved me for one card and not for another. Which is fine, thing is when I called to follow up and  make an account, they told me that the social security wasnt matched ( off by one digit ), which is weird because why would my credit take a hit if it was off by one digit? I was told I was going to get a call from them to explain what happend, and never did. Being naive to credit I signed up a few more times and my credit took a hit as result of that. Now Im not looking to see if you guys can help me out, my friend actually referred me to this site recently, I never knew the actual gov does stuff like this, haha explains my naiveness.
Consumer complaint received 2018-06-25
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. (NV)

Since XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXXXXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX XXXXXXXX provides an audit of all payments received from XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.
Consumer complaint received 2018-11-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I have a huge concern and I believe your agency can help me. I have lived in the state of Louisiana for 17 years and I have owned a home in XXXX, LA for 10 years. I am a proud community member who is invested in living my life there. My concern is that I am in danger of losing my home. Carrington Mortgage is the servicer of an FHA loan and they are trying to take my home without giving me a chance to make things right. I am a skilled pipe fitter and have been doing this for 10 years. I work hard and make good money but in early XX/XX/2017 my work hours were significantly reduced. I have had a difficult time ever since. I had to use up my savings to hang on, scrimping where I can but I unfortunately couldnt stretch any farther and I missed my first mortgage payment that XX/XX/XXXX. It was humiliating. I have been trying to get help ever since. 

I contacted Carrington Mortgage for assistance but was given the run around. I called and called but with no particular person to help me it feels like a never ending task. I sit on hold for long periods of time before I am told I have the wrong person and have to hold again. One person tells me one thing, then another says thats not right. What else am I supposed to do? I imagine my applications sitting on someones desk for weeks without being touched. Do other people have to go through this if they need help? Whatever happened to customer service? I have applied for a modification now many times and each time I was denied and the process would start all over again. Plus I am never told why I am being denied. So frustrating! I cant seem to get a break. Then I was told I qualified for a repayment plan but, after going through the agonizing process of applying for that I was denied for that, too. Who can help me? I have asked to speak with supervisors, managers and anyone with some authority but I get nowhere. I am getting desperate. I really hope you can help me. 

I am making good money now and I am finally starting to get back on my feet. My sister is now living with me and is helping out with the finances. She is also a hard worker and is committed to helping me keep my house. Together we have a comfortable life and would be devastated to have to move. I know I can make good on this loan if I can just get another chance and have some help in dealing with Carrington mortgage. I am sure there must be laws that protect and help someone like me. I am willing to apply for whatever program would get me started again and follow through with this if there really is hope that I can get the help I need.
Consumer complaint received 2018-11-08
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. (AZ)

I currently have 19 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
Consumer complaint received 2018-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on XXXX / XXXX / XXXX / XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

XXXX is NOT reporting a real estate account from Union Bank & Trust, # account # XXXX. This account is 25 years old ; opened inXX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}. 

After speaking with Union Bank & Trust, they say they report to XX/XX/XXXXevery month, but this account is not listed on my credit file. The monthly bill is attached.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Todays date:XX/XX/XXXX XXXX, XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IC SYSTEM Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious IC SYSTEM I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX  ,   FL XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

I was apart of the Corinthian colleges borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Miller, Stark, Klein and Associates (TN)

XXXX card paid off in XXXX was sold years later to 3rd party claiming not paid off. Sent in papers proving this to all parties including credit reporting agencies. The debt was removed in XXXX by all bureaus after a thorough investigation, multiple faxes showing a letter from XXXX stating it was paid in full including attorney letter that we got involved. Now last few months, I and my wife 's phone are getting different 3rd party threatening phone calls with no paperwork mailed to me, no notices  whatsoever, just fake phone numbers that appear to be local, but are actually XXXX numbers. The latest was from MSK and Associates XXXX but the number showed up on my caller id as XXXX from XXXX Tn.We lost paperwork in the Hurricane Harvey, but proof is listed on all credit bureaus and with previous third party companies that I faxed all our papers to. So tired of these harassing companies illegally selling and passing our information from place to place on old, paid off, out of statutes of TN debt collecting laws. Please stop them.