davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

On around XX/XX/XXXX, I opened a savings and checking account with Citi bank. I received a letter to verify my address. I submitted a utility bill for verification. After a week, I was told that my account is locked because verification was not received. According to XXXX, they had accessed the utility bill but did not act on it. My account was shortly closed and I was told that my funds would be mailed. I have contacted Citi bank multiple times and have been unable to receive a response as to where the check is. It has been more than 14 business days since the check has been supposedly mailed. Each time I call for verification of the check, I am told that it may take 4-6 weeks where as initially I was told 5-7 business days and that it had already been mailed.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Total Card, Inc. (CT)

I closed this credit card account months ago. I received a bill and noticed that I was still being charged interest and fees. This is defrauding consumers. There is no way that I should still be charged interest and fees when I received a final bill months ago. This company needs to be researched and fined. Im sure this isnt the only complaint
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My Credit score went down XXXX points because of these business XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, and three other unknown. I have not use these Credit cards in years so they should have closed on their own. My score need 's to be corrected. Thanks
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TO CFPB, I got an alert that Trans Union has lowered my score by more than 80 points due to XXXX XXXX reporting a late payment that just happens to be in the process of being worked out with my attorneys, If Trans Union would have done their due diligence they would have known this, but once again they seem to want to side step their responsibility and take the chance of not getting fined by CFPB or the FTC. And just FYI the account that was reported as having been late has been closed and the bal. is being worked out by my attorney who warred XXXX not to do anything while this was being worked out.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

ACS/Conduent 's website is not in service and their contact phone numbers are not in service. I don't know how to make a payment on my loan without using the website, I can't even find a page with information on where to mail a check.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (FL)

On XXXX XXXX i used World Remit Mobile Money to send some money to XXXX XXXX in XXXX. I have been doing this for months. I forgot the password on my account and so World Remit closed it without telling me or allowing me to fix my password. They asked me to open a new account and would be sending me some papers asking for ID info on the new e mail acct. I never got the forms and I have a transraction number on the funds on the OLD account which i have no idea how that happened if that acct was closed. I called them and would put in the transaction number and would ask me to hit the HOME BUTTON. I have no idea what the HOME BUTTON is on on a land line phone and then would hang up on me before I could talk to anyone. I wrote to them on XXXX XXXX and as of the afternoon of XXXX XXXX I have not heard from them and they have taken the money out of my checking acct. Have called the bank on this and told them not to pay it. I do not understand why World Remit would close acct that I have been using for months just because i forget the password and wanted me to open a new acct and not send me the forms on the new or old e mail addresses. The amount is {$20.00} XXXX XXXX dollars USA ) I had to use an new company to send the money and would like my {$20.00} back from World Remit Mobile money and will not use them again.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

During the pandemic I was looking for a product called peak and my state was on lockdown and could not purchase anywhere due to supply shortage. I found a post on XXXX XXXX XXXX that a seller had the item I wanted listed for {$250.00}. I am new to cashapp so I did not second guess sending him money through there Ive heard of it and its a popular app. The pictures had the sellers name and date attached on his sale post so I thought he was legit. I sent the money and the seller blocks me. I call my bank to make a claim and provide proof of the seller messages, seller pictures of item, and even after a few days I have proof that he scammed other people in the group as well. Im not mad about the money but I feel like my money should be protected especially during a time like this when tensions are high. My bank knowing all the info denied my claim and let the criminal rob me out of my money. Ive never had a problem with Chase bank but I might have to change banks after this.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My understanding of the credit card act in 2010 is that any payment made above the minimum should be allocated to the highest interest rate on the account. Ive been told by employees that they can allocate my payment however they want. I was also told they allocate my payment to the lower interest rate first. 

My balance is divided into 2 portions, one is purchases being charged at 21-25 %. The other is a balance transfer being charged at 0 %. So in this situation my minimum payment was {$130.00}. I paid over {$2000.00} this was to not only cover the minimum But to cover some purchases. However I was still charged interest and given not only conflicting information but information that is illegal.
Consumer complaint received 2018-12-28
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I receive periodical payments from the department of veterans affairs for travel to and from doctors appointments. I have received over 100 of these payments to my account. On XX/XX/2018 I received one for {$17.00}. On XX/XX/2018 my bank made a withdrawal on my account for {$17.00} without my permission.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I talk to Experian Credit Bureau, I have attempted in the past several times to clear the fraud alert they have. I send them a certify letter with my information, which they say they never received. I call them several times to clear my fraud alert. They never clear it. Today I call them again, and today they register my phone number after all the calls I made before. Until today they finally register my phone and they have register it in the file. I have 3 reports of Hard Inquiry from XXXX XXXX XXXX that I told Experian to take off. Since I am a leasing a truck with them. It is not necessary to have those since I was not aware of the fraud alert. Plus I only have the fraud alert with Experian. Since my score went down because Experian fault. Need them to erased them so that the Financial Institution can run as when my credit score was above 700 to get approved. 

Please help me again on doing this and telling Experian they dont have the right to ruin my credit score,  since XXXX XXXX   only works with Experian credit report.
Consumer complaint received 2019-07-01
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. (GA)

XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (OH)

I realized after I made my XXXX payment and it got returned that my identity has been stolen, I have a fraud alert on my credit report, so when I remade the XXXX payment on XX/XX/XXXX, I included the {$30.00} NSF fee With my payment I was remaking. I thought we were square there was no issues I was wrong. 

Since having my identity stolen weve struggled with bills a little bit and Ive been making that payment later than the 10 day grace period. And when I have Ive been including The difference in payment with the car payment, Normally the car payment is {$500.00}, In XXXX I made the payment of {$530.00} They credited the entire amount to my account and still leave me hanging with that fee, None of the other lenders I have car loans with did that to me its only Santander, Same thing happened in XXXX when I made the payment later than the 10 day grace period, So when I look at my statement this month It says {$130.00} in fees and charges XX/XX/XXXX I made My payment {$530.00} XX/XX/XXXX I made my payment {$590.00} XX/XX/XXXX I made my payment {$520.00} XX/XX/XXXX I made my payment {$530.00} Which totals {$2100.00} in payments Four payments normally would be {$2000.00} Which is a difference of {$150.00} that I included for late fees and charges that they credited to the principal and interest instead of crediting to the late fees and charges And if I wouldve discovered this back in XXXX I wouldve called then but calling and talking to them was like talking to a road sign I will include all the statements to show proof that I was doing the right thing and including fees with my payment and they didnt credit that way which is XXXX all my other banks did especially in light of the situation
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I had a Citibank credit card for several years which I cancelled in XX/XX/2018 XXXX last 4 digits of card were XXXX XXXX. There was never a late payment during this period although balances frequently ran in 4 figures ; during this summer I was allegedly late by 1 month on a {$57.00} balance. I spoke to Citibank employees both at their branch in XXXX XXXX, XXXX and over the phone, and was led to believe that they had agreed to waive late charges and interest on this account in return for my paying 2 merchandise charges which the bank had accepted after cancellation of the card -- the bank did not honor this agreement. I have received constant bills for late charges and interest on this {$57.00} transaction, and these have now totaled over {$100.00}! In addition, I now receive almost daily robot calls harassing me for payment. I am XXXX XXXX XXXX and have certain XXXX conditions which are exacerbated by this constant harassment by Citibank.Their charges are obviously excessive, and as a matter honor I will not pay them. I will cancel my checking accounts at Citibank and want assurance that this annoying invasion of my privacy will ceas
Consumer complaint received 2018-12-27
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. (MA)

I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I have talked with XXXX XXXX  for 3 months in regards to my payment plan selection and forbraence. One XX/XX/XXXX I made a {$5.00} payment to start processing my loan repayment I was to have my forbearance until XX/XX/XXXX.Today XX/XX/XXXX I received a text saying I was delinquent.1. My payment plan has not been processed. I have not received notification of that ( XX/XX/XXXX has stated that they did not send it to my paperless inbox but via mail- I opted to the paperless inbox ). 2. My forbearance was supposed to be until XX/XX/XXXX (XX/XX/XXXX stated they dont know why the forbarence lapsed for 10 days- they claim they were they were going to correct that ) I called multiple times about the bill I received on the XXXX, but every person I spoke with said that bill was created to begin processing my payment plan request. By using deduction 1. My payment plan request was supposed to automatically put my payment in forbarence 2. The lapse in 10 days was never noted to me.3. No one can tell me what happened. I want answers and I was given none. 4. I dont want my credit impacted by their error.

I pay all of my bills on time and I trust, the American people trusted XXXX XXXX XXXX to ensure that payments and request are processed in decency and order.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

XXXX ( XXXX ) XXXX This number I dial for my annual credit report automatic hard copy of my report, XXXX was the only one that honored my request, I was given online access to my report from XXXX and exquafax that I did not request nor do I want. I called XXXX and they are honoring my request for hard copy and are, I was told investigating why my hard copy request was not honored. Now exquafax is refusing to give me my hard copy of my credit report yet they gave me access via the internet. Due to exquafax being hacked I do not want internet access I want a hard copy, in order for me to get the hard copy they are asking me illegal questions that are not required for me to obtain what is already mine.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MO)

We refinanced our mortgage and the new bank was given the payoff which included all interest and payments etc.for the date of XX/XX/2019. We noticed two withdrawals for PMI during the month of XXXX. The first PMI withdrawal was taken XX/XX/XXXX which was the day after we made our normal XXXX monthly payment. The next PMI payment was withdrawn XX/XX/XXXX which was the day after the new bank completed the pay off. There should not be an additional month of PMI taken because ( 1 ) the payoff was already given to the new bank and had been paid in full, and ( 2 ) because it was below the 78 % threshold of PMI requirements which are pointed out in the disclosure documents. I called the bank to verify and was told that PMI is taken one month in arrears, but no one could explain why the second PMI payment was taken. The second PMI payment needs to be credited back into escrow and sent to me, as it does not belong to the bank since the payoff had already been stated and paid in full.