davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently applied for a Bank of America travel rewards credit card since they were offering a promotion as per attached snapshot. I got approved and spoke to Bank of America support rep and to my dismay Bank of America web site is extremely misleading and specialized in wasting valuable customer time. I have been banking with BOA for last 20 years and my experience with BOA is getting poor to worst ever. 
A per BOA web site you get XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days. Redeem your points toward travel purchases. As per customer support rep I spoke to this promotion applies only to retail purchases and BOA purposely exclude these disclosures in their web site as per link below. Also BOA did n't mention that travel bonus reward points will be awarded after 90 days of spending {$1000.00} in their web site which is misleading as well. I am planning to travel in XXXX and planning to spend {$1000.00} as soon as I received the card. Since these discolosures are not there in the BOA web site they should credit XXXX online bonus points as soon as I spend {$1000.00}. When I made this request from BOA supervisor she hangs up the phone and XXXX mins I spent on the phone with BOA is a waste of my time. 

Here is a link to BOA travel reward credit card and I have attached a snapshot as well. 
XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A. (NY)

I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer and there is nothing they can do. I explained I can not afford this fee and because I have been a loyal Citibank customer for 20 years I would like a courtesy of this being waived. Citibank would not show any loyalty to me and refused to help me. They even had the nerve to say they do not make money off of me. I said you have had my money in your bank for over 20 years and you have certainly made money on me. I feel these checks they keep sending are very misleading to there customers. I was so shocked that Citibank would not budge on showing any courtesy to a customer. I am filing this complaint to try and get some satisfaction from Citibank.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying. for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I do not have the dates of my student loan. It was XX/XX/XXXX or XX/XX/XXXX. XXXX sold me " college '' debt and the education was n't worth transferring credits bit they helped me get my student loans and grants put thru. I have heard there was a lawsuit. I really need this resolved so I can go back to school. This time just for a certfication. XXXX is like half student loans. Can You Help?
Consumer complaint received 2017-12-01
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. (KS)

I currently monitor my credit reports and scores across several different websites. I use XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX XXXX I received notification from several of the sites that my Equifax score had gone down over 100 points. Upon logging in to the sites I saw that Equifax had removed EVERYTHING from my credit file but 2 charge offs from XXXX. I immediately contacted them by phone. The representative could not explain what happened but directed me to fax a letter stating that my credit file was missing and to include copies of my social security card and driver 's license. She gave me confirmation # XXXX for the call. I faxed the letter that same day. The next day my credit file from Equifax was reinstated. Two weeks later the very same issue happened again. Again, my credit file was gone except 2 charge offs from XXXX. ALL of my positive accounts were gone. This tanked my score to XXXX again. I faxed them a letter about the issue again on XXXX XXXX, XXXX to have the issue corrected. This time it took a week for everything to be restored. Now the issue has happened again! Again my Equifax credit file is missing all of my positive accounts. I noticed that as the companies re-reported, each one is added but it is not fair to me to have to keep going through this. Equifax has a responsibility to report 100 % accurately and timely. They are not doing that. They are severely hindering my chances of being approved by a lender because my credit file is not reporting all of my positive accounts. With this complaint I am uploading proof of my contact with Equifax about this issue, proof of how this has severely damaged my credit at no fault of my own, and proof of my positive accounts that they other bureaus are reporting correctly.
Consumer complaint received 2017-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

In XX/XX/XXXX I signed up for a trial payment plan to avoid foreclosure as I was behind on my mortgage payments. I was set up on a three month payment plan for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My first payment which was mailed XX/XX/XXXX was lost in the mail. On XX/XX/XXXX I sent them a form required by the bank to replace the lost cashiers check. I never received a response back. I have called emailed and faxed multiple times. On XX/XX/XXXX I was advised to send proof of payment. On XX/XX/XXXX I sent proof of payment. My third payment was due XX/XX/XXXX. Since I never received the form I tried calling them again on XX/XX/XXXX to pay over the phone. All my calls were disconnected by recording regarding high call volumes. Ive tried calling multiple times today and left my phone number but still no call back. Please help me
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CO)

I opened a Citi / AAdvantage Platinum Select credit card late XXXX this year XXXX 2015 ). Citi told me to spend over {$3000.00} within the XXXX 90 days to receive a XXXX miles bonus. I spent well over {$3000.00} within the XXXX approximately two months, but the bonus never showed up. I contacted Citi Customer Service regarding the issue, but they told me that I was holding a similar credit card project before, so they could not issue the bonus anymore. When asked the details regarding the " other similar credit card '' that they stated I was holding, Citi refused to provide any information on that and told me to refer to the original welcome letter, which I was supposed to have received at some point in the past. I believe there was mishandling on my account regarding this matter. The representative was rude and not cooperative at all. Citi simply refused to provide information that they based their decision upon, refused to honor the claimed bonus in the acquisition offer, and left the consumer completely in the dark.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (IL)

i contacted the company related to moving some of my personal items from XXXX, XXXX to XXXX XXXX. Initially there were 10 medium boxes, i cabinet, 10 dining chairs, 1 dining table and 2 coffee tables. The quote given to me was for {$1700.00} and i was to pay {$600.00} which i did. A few more items were added and the estimate went up {$2100.00} and the down payment increased to {$850.00}. I paid the differential in the downpayment of {$250.00} for a total payment of {$850.00}. On the pick up date the driver refused to honor the contract and stated that it would cost nearly {$5500.00} to move the goods as in his view the goods to be moved had increased. I refused that as there was no increase in the goods to be moved. Since i refused to pay any additional amount from the originally contracted amount the driver left and the moving company refused to give back my initial deposit. They later offered to give me back 50 % of the deposit which i refused as I want the full amount. This is a classic bait and switch operation. 
I contacted my credit card company to stop payment and they initially reversed the payment and later refused to entertain my request as they said that the terms of the agreement were that deposits are forfeited once paid. The contract was voided once the driver refused to honor the contract till i paid more which i was not ready to entertain. The credit card company should have known better and even after i provided them with all the information they refused. Not only have they reversed the charges ... but are charging me late fee and interests on this amount
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (MS)

In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX  report!!
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, XXXX My sister and myself went in a XXXX store located on so that I could pay for a phone ( unlock ) I was using on her account. I payed XXXX to have the phone unlocked, so a day after the transaction I got an email that said the phone could not be unlocked. Again I summited to have the phone unlocked and again I was denied. So I called XXXX directly and I was told they was not going to unlock the phone until my sister 's account return to a zero balance. So asked for a refund of my money and XXXX told me that, they was going to take my money I used to unlock the and apply it to my sister 's account. Under no circumstance was I going to get my my money back. The same day I called Bank of America to have them retrive my money. BoA put a credit on my account while they work on my claim.The following month on XXXX XXXX, XXXX, I payed XXXX ( XXXX ) again to unlock my phone because my sister 's account was at XXXX. Unknown to me BoA has not resolved my dispute and now they want their credit to my account back.And the first response from BoA was that XXXX has giving them proff of services rendered, but phone was still not unlocked. So I 've given BoA the emails that show that XXXX did not unlock my phone when I payed them the first time in XXXX. Now BoA is telling me that they can not get my money back from XXXX myself.
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: ASSOCIATED BANC-CORP (WI)

I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks  customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX. 
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}. 
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX. 
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did  not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

In the year XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XXXX XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XXXX XXXX, XXXX the Department of Emigration and Naturalization granted me a permanent parol to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In the year XX/XX/XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XX/XX/XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XX/XX/XXXX the Department of Emigration and Naturalization granted me a XXXX XXXX to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (LA)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-30
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: National Enterprise Systems, Inc. (KY)

NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
Consumer complaint received 2017-11-30
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: Experian Information Solutions Inc. (MD)

1 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have a mortgage with XXXX XXXX which is managed by Ditech Financial LLC. I have never missed a payment, and the loan is in good condition. 

At XXXX XXXX on XXXX/XXXX/XXXX, I called Ditech XXXX to inform Ditech of my home insurance to change in XXXX. However, Ditech started the phone conversation as if my loan is already in default and started to collect my personal information as to get ready for the collection process and treated me as their target for collection without knowing the status of my loan.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2015-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

XXXX University had me sign up for a XXXX XXXX Loan when I was XXXX without giving me any other options. They asked me to come into the location and when I was there they filed a loan request through FAFSA and XXXX XXXX and asked me to sign the paper work. Being a XXXX year old child from XXXX, I had no clue what I was signing up for, I was just happy to start school. Shortly there after I lost my job and could not work or afford my bills. At that point is when I realized what large amounts of debt I was in. I wish I would have been given the option to look into other loans but I was not. I should not have been forced to sign any papers the same day. XXXX ( XXXX XXXX ) should have given me the paper work and details and told me to think it over and research the market because it was a big decision. I was pressured to sign the paper work the same day and told that XXXX XXXX was the only company that would give me a loan.
Consumer complaint received 2017-11-30
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: Performant Financial Corporation (TX)

This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with Performant Recovery. I am also requesting a receipt of this loan, as well as please provide the note!