davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I was cancelling my service with XXXX in the first couple of days of XX/XX/XXXX.I asked what amount I owed for the few days of the month of XXXX. The lady told me that they could not compute that prior to the next month 's billing and I would at that time be billed only for the pro rated amount due. When I received a bill it did not have a pro ration. I called then told me they would correct that. When yet another bill came out, it showed a credit for that next month for approximately 90 % of the bill, BUT THEY SHOWED THAT THE ACCOUNT HAD BEEN CANCELLED IN A PRIOR MONTH, AND THEREFORE THE CREDIT WAS GIVEN AGAINST XXXX OWED, AND THEN I WAS BILLED ON THAT SAME BILL FORM the full amount of the previous month, it was shown as over due. ( That would be the month that the credit should have applied to, and it would have shown the correct amount due, and it would be the first time that I was given these figures and therefore could not be considered over due. I wrote a letter which has now been sent to different addresses for XXXX. I have never had a response to my letter, instead I have received pre recorded credit collection calls, the same one approximately six times per day. None of those were ones I could give this complaint to. One call did come in I could not get the number to call which referred to my letter, But no one was repeated where I could answer.
Consumer complaint received 2017-06-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to XXXX.
Consumer complaint received 2017-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to XXXX.
Consumer complaint received 2017-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to XXXX.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AL)

I have been making the minimum payment on this card ; however, the creditp r (   XXXX    XXXX    XXXX   ) ha s been reporting my account late from  XXXX  2017-  XXXX   2017 . I was not notified nor did I receive any correspondence of the account being late and their is no reason I should have considering the payments were being made on time.   XXXX  Upon disputing the inaccuracy the comany only sends letters stating the reporting is accurate ; however, they will not provide me with any documentation stating that it is accurate.
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I over paid my Citibank MasterCard credit card by {$610.00}. 
XX/XX/XXXX, I called to request a refund, Citi submitted the request to send a check. 

XX/XX/XXXX, I called to tell Citi I had not received the check. 
Citi customer service said check should have arrived, they will cancel that check and request a XXXX check is sent. I was told it could take up to 14 days. 

XX/XX/XXXX, I called Citi to say a check arrived and asked how should we handle it. Customer service asked for the check number, and said it had been cancelled. I asked about the 2nd check and was told there was none.

At this point, I asked if they could transfer the money to my Citibank checking account which is linked to my Credit card. 
Citi said a request was submitted to transfer the money to my checking account and it should be completed by XX/XX/XXXX. 

XX/XX/XXXX, I called Citi Mastercard to say the money is still showing a credit balance on my credit card and had not been transferred to my checking account. A asked for a manager - a supervisor named, XXXX, spoke with me. I explained the situation yet again. XXXX said he would put in an expedited request and the refund should be transferred to my checking account by today, XX/XX/XXXX. 
As of this writing, the refund is still on my credit card and not transferred to my checking account. 
I spoke with customer service again today, XX/XX/XXXX, also spoke with another supervisor, XXXX, who said he would submit a request to see if my refund could be sent. I said, excuse me and repeated what he said to ensure I heard him correctly. I asked to speak with his Manager, XXXX abruptly put me on hold, did not say hold XXXX minute, and I was left on hold over XXXX minutes. I hung up the phone and filing this complaint. 

It should not take 2 months to get my money refunded. By the way, the check was for {$660.00} which included interest. Again, the money is still showing as a credit balance on my credit card and has not been transferred to my checking account. 

I had ripped the check but taped it back together to upload a copy. 

I have been a card member of Citibank since XXXX. Please help to get my refund from my credit card. 



Thank you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (NC)

I set-up a payment arrangement with Financial Business & Consumer Solutions , Inc. on XX/XX/XXXX to have payments debited on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This company breached the agreement by debiting my account on XX/XX/XXXX. A  rep told me today ( XX/XX/XXXX ) that debits from bank accounts can take between 24-48 hours. The rep also said that if the transaction day falls on a bank holiday, the transaction will occur on the next banking day.XX/XX/XXXX was not a bank holiday. None of this was explained to me inXX/XX/XXXX and is quite irrelevant since the debit did n't take place on the day that I agreed on. Yet, Financial Business & Consumer Solutions , Inc. did not debit on the agreed upon date. When I called to find out about satisfying the debt, I was given inconsistent statements by a rep and a manager. The 1st rep did in fact say that I could make one payment ( {$270.00} ) over the phone today. That rep did say that I could also give them my debit card to use for automated payments, which would eliminate any delay in processing. He put me on hold and then changed his initial statement. He said I had to make 2 payments today. I asked why he changed the initial statement? He then stated, in a very snide way, that the money for two payments should be there since there was an NSF. I then asked for his manager. The manager began the conversation with an attitude.
I asked the manager why I was n't given the information about using my debit card back in XXXX, he was not able to give a definitive response. When I asked him why I was n't told about the 24-48 hr. processing from a bank account, the manager stated that they are not allowed to say anything about the processing time because all banks are different.
When I reminded the manager that we were on a recorded line & every inconsistency can be replayed, he regained his professionalism and agreed to re-instate the agreement, with different dates. Based on contractual law, there was an " actual breach '' of contract by FBCS.
Consumer complaint received 2017-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on Experian is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have tried calling the company to get this resolved but have been unsuccessful. I went to get a loan and this credit card that I have no knowledge of was on my report as a negative issue subsequently I was denied.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (FL)

To Whom It May Concern, I am working with a financial and housing counselor who is writing this on my behalf as I am XXXX XXXX  and only had this phone service for XXXX for two weeks. I am not aware of a verbal or written contract that was placed for the account and am asking that any concessions that can be made on my behalf due to any continuous billing be considered forgiven or waived. <P/>I am willing to pay for the service for the two weeks of my usage but beyond that I am not willing to pay. <P/>I had no way to contact XXXX after having their service terminated as I never received any further bills or statements. I have returned their equipment and am requesting that I only be charged for the 1 month of service I had and any additional billing be waived as this account has been sent to collection for XXXX and originally the service was quoted to me at XXXX/month. <P/>I reached out to them with a financial counselor on XX/XX/XXXX after still receiving collection acct notices to try to make the debt solvent and was put on hold for over an hour and a half. I was denied any ability to have any additional billing waived as they forwarded me to 4 different areas and stated I would have to pay the above mentioned amount that had been sent to collections because the acct was closed even though this was months after I had turned the service off.
Consumer complaint received 2017-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

A double payment was taken out of my account and I have been trying for two days to have Loancare reverse the payment. They give an estimate of a week before they will return the payment that was their mistake due to computer issues they had this weekend. I am not the only customer in this situation and it would be helpful if they returned the payment in a timely manner.
Consumer complaint received 2017-06-28
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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (NC)

In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through Honda Financial Services. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. Honda Financial Services did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called HFS to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to HFS to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and HFS ' discretion to remove these from a consumer 's credit report, yet in this case HFS was completely unwilling to assist. I am about to apply for credit to purchase a home, and HFS ' report has reduced my credit score to where my interest rate will be higher than it would have been without HFS ' report. I have made every HFS payment on time for over three years now, and the one time that  there was an issue, it was not my fault. Yet HFS is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by Honda Financial Services before it costs me thousands more in interest expense.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (FL)

- [ ] I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. 



- [ ] # 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


- [ ] # 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Consumer complaint received 2017-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (AL)

XXXX   XXXX ,2017 I was alerted by my credit monitoring that I had a  Collection account placed on my credit file. This company has never been in contact with me I 've never spoken to or receive anything about this debt, also I am not responsible for this debt I had insurance and if it was mine it would 've automatically been paid. I never gave anyone permission or signed a contract with this company to try n collect anything. There 's no contract and also if they have my medical records or inform ation I know the law and it 's  a Hipaa Violation.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 month later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload to below.
Consumer complaint received 2017-06-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX, I purchased a XXXX XXXX XXXX minivan and financed the purchase through XXXX XXXX XXXX. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. XXXX XXXX XXXX did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called XXXX to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to XXXX to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and XXXX ' discretion to remove these from a consumer 's credit report, yet in this case XXXX was completely unwilling to assist. I am about to apply for credit to purchase a home, and XXXX ' report has reduced my credit score to where my interest rate will be higher than it would have been without XXXX ' report. I have made every XXXX payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet XXXX is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by XXXX XXXX XXXX before it costs me thousands more in interest expense.
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: QC HOLDINGS INC (KS)

I took out a payday loan in 2010 from a company called quik cash in XXXX Kansas. When I began to struggle I could not pay it myself and filed chapter XXXX bankruptcy with an attorney. Since I filed they have called my references and told them they were going to send me to jail, that I had court documents that I needed to pick up at the courthouse, had outside agencies call and demand payment and today they tried to collect by pretending to be my local police department. I called the number on my caller I 'd back and got my local pd and asked for officer XXXX after the initial call was disconnected where this " officer XXXX '' said I was being brought up on Criminal charges for writing a bad check for a payday loan. The pd said there was no officer XXXX employeed through them and they did n't have a legal department cuz officer XXXX kept having me talk to the pd legal department. Nice lady at pd said it had to be a scam cuz this just is not how the pd does things and this officer did not exist.