davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
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: Lending Club Corp (PA)

The first problem I had with this company was that they issued the loan I was approved for 30 days late. The official start date of the loan came before I actually had the funds. I pursued the company through the legal realm and they never responded to multiple letters. They actually withdrew my first payment on the day I received the loan deposit! Then they did not factor this into my payment schedule and would not adjust my loan payment dates, I contacted them SEVERAL times about this, yet they refuse to do anything about it. The conversations were demeaning to me. They made threatening and harassing phone calls to my co-signer which caused my character to me defamated. They also took my money after making a large lump sum payment during the Covid-19 lockdown that was supposed to stretch out over 3 payment cycles and by mistake added to my principle balance so it looked as if I was not paying on time during this time, when I was clear the payment was for the next 3 payment cycles. I talked it over with them several times, yet they have NOT corrected this on my credit. It is very hard to get in contact with the department who handles any of their credit reporting, they do not receive direct calls.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (SC)

I purchased a washer online thru Conns website I applied for credit got approved for {$5500.00}. I purchased the washer on XXXX when I was completing the application I was approved for interest free payments for 12 months and {$100.00} off my purchase. After completing my first application I didnt get my {$100.00}. I called Conns I spoke with Agent XXXX XXXX and she gave me {$150.00} off the purchase and the ensured when I signed my contract it will give me an opportunity to choose interest free. I reviewed the contract didnt have the opportunity for interest free. I Emailed the company got no response so I figured it would be the same as my XXXX XXXX account the interest would not be added as long as I made 12 equal payments of {$82.00}. I received my paper work mid XXXX showing I would be charged more interest then the total cost of the washer {$970.00}. I called Conns I was told by an Agent because I did not spend my total amount I was approved for I was not entitled to interest free. Not at anytime before I signed the contract was that explained they cant tell you after you sign the contract you have to spend all you are approved for.I then spoke with XXXX and the agent insured the contract would be fixed to get interest free. I am on my 3rd payment and I heard nothing from Conns on fixing the loan to reflect interest free. I borrow {$970.00} I will only pay 12 payments of {$82.00} and I will pay no more.
Consumer complaint received 2020-12-28
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: BARCLAYS BANK DELAWARE (NY)

I applied for a XXXX XXXX MasterCard offered by Barclay 's bank on XX/XX/XXXX due to an appealing limited time promotional offer of XXXX miles if $ XXXX was spent within the first 90 days. I would not have applied for this card but for this offer which I found to be worthwhile as I want to plan a trip to Hawaii soon with my new family. I am in Compliance myself so in early XXXX called to confirm if the 90 days was based on calendar month or count of days and was informed by a Barclays employee that my deadline was XX/XX/XXXX to earn the XXXX bonus miles ( unfortunately I failed to write down his name ). 

I spent the following by the cut off date : XXXX {$32.00} XXXX {$180.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$55.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$2200.00} * This item was a refrigerator purchase which was later returned ( actually exchanged ) and I received a partial credit back minus delivery fees in the amount of {$1500.00} on XX/XX/XXXX. That said, my XX/XX/XXXX purchase more than met the {$2000.00} spend requirements by the XX/XX/XXXX deadline. 

The written terms said it could take 6-8 weeks after the 90 days period ends for the miles to be credited to my account so I waited for that time to pass which would have been the end of XXXX. I did not see the credit in my XXXX nor my XXXX statement so on XX/XX/XXXX I called and spoke to XXXX in Customer Service who reviewed my account and confirmed I should have been credited the miles. She said she would open a case for my account to be reviewed but that it could take another 30 days for that to occur. I asked to speak to a manager and was transferred to XXXX. He reviewed my account and explained that I missed the cut off by 1 day because they count the 90 days differently than I was informed when I called in XXXX. He said the case XXXX opened for me was the only way to get my situation reviewed. I informed him I would be contacting the CFPB and he understood. 

I feel it was unfair and deceptive that a ) I was not issued the rewards promised with a marketing advertisement after meeting all the qualifying requirements b ) I specifically called for the cut off date and was misinformed but am now being penalized for it, c ) being forced to wait another 30 days for a resolution given my miles should have posted to my account by end of XXXX. I also think it is highly misleading to market things in a way that is not consumer friendly ; when you think of 90 days past XX/XX/XXXX, the reasonable consumer would conclude that that would mean that you have until XX/XX/XXXX to meet requirements. Factors such as shorter months or leap years don't tend to factor into normal scheduling. The disclosure should have instead read something to the effect of 'within 90 calendar days of account opening which may fall on a different date depending on the number of days in a month '.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

Hi, I have paid off the mortage to Loancare company. This company is not issuing me a Lien release letter even after the loan is paid it off. This was paid off in XXXX this year. 
They said they have mailed it out but my Town Clerk, they have not received yet. 
I have been calling up them for last 3 months and till date they have not issued the letter. 
I have even told them I shall pay for the mailing charges and I want them to send by priority mail so that I can track the mail. 
I have called and emailed them with no use. 
I still dont understand what is stopping them to issue the Lien release letter even after been paid in full. 
I request you to kindly talk to them and even before raising this complaint I told them about 3 weeks ago that if they dont send it I will be reporting this to you. 
Even that didnt make any difference to them I suppose! 

Hoping you can reslove this issue for me. 

Thanks
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible
Consumer complaint received 2022-03-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I had entered into a payment plan with Citi ( Costco card ) last XX/XX/2020. The monthly payment I needed to make on the XXXX of each month was {$350.00} starting with the month of XX/XX/2020. 
However, after auditing my payments history recently since XXXX I noticed Citi has tricked me into making double payments each of the last 5 months. 
For example, in XXXX I was supposed to pay {$350.00} but Citi withdrew {$770.00} from my bank. In XXXX, City withdrew {$710.00} instead of {$350.00}, same as in XXXX, XXXX, and XXXX. Therefore for the past 5 months I was supposed to pay {$350.00} x 5 = {$1700.00} However, during the same five months period Citi withdrew from my bank : {$3600.00}, which is {$1800.00} extra. 
I contacted Citi ( Client Resolution Team ) in early XXXX to rectify this payment issue, but I haven't gotten a reply.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (WI)

Someone hacked my account using a different Device I Submitted All Evidence that the phone used to make the transfer was not mines nor did I have access to the device in question they denied my dispute as no error found I also tried to have it reopened Submitting proof that my password to my account was saved to my XXXX passwords
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (MI)

I was trying to send money to a person via XXXX through Ally bank. Ally bank immediately blocked my XXXX account without providing a reason, and Ally customer service gave me a runaround with specialist until I gave up. 

I used my XXXX account with XXXX to transfer to the same person and it went through without any problem.
Consumer complaint received 2020-12-22
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: SYNCHRONY FINANCIAL (NY)

I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from Synchrony Bank, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from XXXX XXXX  XXXX XXXX I disputed the XXXX  inquiry, however XXXX is requesting I send documentation from XXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Synovus Bank (FL)

I received a notice of dormant account on XX/XX/22 saying if I don't reactivate it I will be charged. I immediately called the bank and requested the account be closed so I would not be charged. I spent over an hour with them telling me I can not close with a balance and I needed to visit a branch. I explained I am living abroad and can not visit a branch and wanted them to issue me a check for the balance in the account and mail it to my home address and close account and they again said they could not do this. I've attempted to set up a transfer on their site but every time it say contact customer service and we go through all of this again. I just want the account closed and my funds returned.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bankers Auto Acceptance (CA)

Ive been paying my truck for over 4 yrs now {$420.00} plus the {$5.00} payment charge it it seems like every time instead of owing less I owe more every time I call for balance it seem that after I make payment I cant get the balance To go down. Now in my calculations I would of made my last payment in XXXX of XXXX in the amount of {$420.00} even {$500.00} was my estimate and I call and the company Time Finance ( XXXX ) XXXX tell me I owe over $ XXXX .I dont get were all my money is going they said I dont owe any interest my account open date was XX/XX/XXXX it was supposed to be payed of in 4yrs last time the company sent me balance was XX/XX/XXXX I owed {$3600.00} and still till today am not done paying I spoke to them about this I told them last Wk to send me balance I. Writing so I can compare and it been a week a nothing I want to to a final payoff so I wont owe them any more and that way am done with them over charging me every month but they tell me even if if I finish paying in full it doesnt make a difference I still owe the same over {$800.00}, please help me resolve this issue with the pandemic I made arrangements to do less payment 1month because I was with out a job but that didnt show up I My account! Help!! Company name Time Finance my name XXXX XXXX account # XXXX
Consumer complaint received 2021-05-17
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. (LA)

I tried to unfreeze my equifax report tonight for 2 weeks, but they blocked the unfreezing. There is no 24/7 number to call, just a workday 9-5 number. This prevents me form apply for the loan on sunday that I needed to do
Consumer complaint received 2022-06-21
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. (OH)

I have a collections account on my file that I have never done business with from XXXX XXXX XXXX # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, someone called me from an ( XXXX ) number around XXXX XXXX. They said they were a Wells Fargo representative and mentioned that there seems to be unusual activity on your account. As they were talking about this, I checked my account and did notice there was a charge of {$9.00} in XXXX, CA at XXXX and a {$100.00} ATM WellsFargo charge in XXXX XXXX, CA ( both of which I did not make ). I live in XXXX California, was at my home in XXXX XXXX, CA at the time, and was not visiting those areas. I let the " Wells Fargo '' representative know, you're right there are charges that " I did not make. '' Then the Wells Fargo representative preceded to say, " okay we need to send you a new card and change your pin, but we need your old pin to do so. '' Given that I believed this was a Wells Fargo representative, I gave them my old pin and they stated they were going to send me a new card. The next day around XXXXXXXX XXXX on XX/XX/XXXX, I saw numerous charges on my account. {$2000.00} were from Wells Fargo ATM withdrawls, and there was a {$2.00} charge from XXXX XXXX, and {$2.00} charge from XXXX XXXX ( all charges were in XXXX XXXX ). There was also a {$2400.00} transfer from my credit card to my debit account that this person attempted to collect but got denied. I called Wells Fargo and they explained that there's no record of them speaking to me about this, nor did they send me a new card, which means the person who called me the night before was a scammer. I filed a claim with Wells Fargo on XX/XX/XXXX, and called to follow up in 10 days. Wells Fargo told me my claim was denied because I willingly gave out my pin. The credit card transfer of {$2400.00}, however was transferred back. The XXXX charge at XXXX and the {$100.00} withdraw were funded to me since the scammer somehow already had my information to make these charges prior to me giving out my pin. I have lost a total of {$2000.00} but did not get it refunded to me because I unknowingly gave out my pin to someone pretending to be from Wells Fargo. How did this person have my phone number and account information in the first place? My information was already comprised to begin with given that the scammer knew about the XXXX charge and {$100.00} withdraw in XXXX XXXX.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX  on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I received a text message from CitiBank that illegal activities are on my accounts ending XXXX. That I need to change my password immediately. I always use Citi XXXX XXXX. As I change my password my cell phone not working. when I try to use it, I get a message that my phone has no network. The phone account is in my son 's name as the primary account holder. That evening my son call XXXX and we install a new sim card on my phone. Then I saw a lot of CitiBank wire transfers on my phone, happening on my checking and saving account. I call up CitiBank using the number on my Debit card. I inform the customer service representative that I am not authorizing any of these transfers. She transfers me to the fraud department and I complete the complaint and the Bank place my account on hold Then I went to the CitiBank branch in XXXX XXXX, NY, and open a new account. 
I file an affidavit for each account. the checking for {$27000.00}, claim # XXXX, and the saving for {$75000.00}, file a police report at the XXXX police precinct in XXXX XXXX, NY. 
On XX/XX/2022, I received letters from CitiBank that my claim to recover my money are denied. I need help XXXX XXXX.
Consumer complaint received 2022-03-22
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.