davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (DE)

On XX/XX/XXXX I purchased a Bluebird American Express prepaid debit card. The cost was {$5.00}. On XX/XX/XXXX I tried to register my card online and what should have only taken 5 minutes ended up being close to an hour with no resolve. I entered the address where I wanted my card to be sent. The system stated that it did not recognize it as a U.S. postal service address. It was a U.S. Postal Service ( physical ) address that was registered for both business and personal use. I then used a home address that was also listed with the U.S. Postal Service. The system recognized the address but continued to delete the other information I had previously entered requiring me to enter it again and again. Everytime I entered the correct, necessary information and clicked the submit button, I would have to repeat the process over again. I made numerous attempts to register my card. It was extremely frustrating, not to mention the fact that there was no live customer service representative to help. I searched online and found the American Express credit card phone number. After going through several prompts I was finally able to speak to a representative about their card. Her name was XXXX. She took my card information and then gave me the run around. I told her that she was not very helpful as she never answered if customers were able to speak to a live representative through the Bluebird number listed on the card. I told her there was no way that I could speak to a live representative and that the automated system kept giving me the run around. When I asked if customer service was ever available at Bluebird she said that I would have to contact them to ask. How can I ask customer service if there was no way to connect with them through the automated system? When I explained that I could not get a hold of anyone she just kept repeating that I would have to contact them to ask. Being that I was unable to get any help from American Express, I went back online and tried to register again for about the 10th time. At that time a message stated, in so many words, that American Express was not able to offer me an account. I was hurt after spending my own money to purchase the card. I was unable to Register for no apparent reason. I was upset about the length of the process and the fact that I was given the run around. I completely expected more professionalism from a company like American Express.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2013 XXXX on XXXXand Equifax XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (CA)

I applied for the XXXX program, which is a discount program on certain traffic tickets that qualify. This program is offered by the collection agency GC Services. GC Services has been extremely deceptive the entire time I have been in communication with them. Multiple of the representatives I have spoken to told me I had a warrant out for my arrest from XXXX XXXX traffic court. I checked with the criminal and traffic divisions of the XXXX Courts, they advised me I NEVER had a warrant. I told GC Services what the courts told me, and at that point I was advised by XXXX XXXX it would take up to 21 business days for them to receive the information they needed from the courts showing I had no warrant in order to receive the discount. I called and checked the status once a week while waiting the 21 business days, just in case they received the information sooner. As the 21 days was coming to an end and GC Services still did n't have any information, I asked what would happen if they did n't receive the information they needed within the 21 days they initially said it would take. GC Services advised me that I would " just have to wait until they get the information and now there 's no definite timeline ''. I tried asking if I could contact the courts to get the information they were looking for, XXXX XXXX 's response was " that department does not communicate with anybody outside of the courts and GC Services ''. So at this point, not only have they lied, refused to let me listen to prior phone conversations between myself and GC Services ( to clear up other lies they 've told ), and refused to review the documents XXXX XXXX Courts gave me stating I have no warrants, they still have not received the documents they need in order for me to receive the discount that I definitely qualify for. Their 21 business day timeframe has passed.
Consumer complaint received 2020-06-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted Experian many times and no resolve.
Consumer complaint received 2020-06-23
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: CITIBANK, N.A. (CA)

On XX/XX/2020 I received a notice from XXXX  saying I had a new inquiry on my credit report, I saw it was from CITIBANK. 

I have NEVER applied for a CITIBANK card! They closed one of my accounts 10 years ago and I refused to do business with them since and DID NOT AUTHORIZE THIS INQUIRY! 

I am currently in the middle of buying a home and this XXXX  up the entire process!
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

Due to the pandemic fromMarch of 2020, Navient has been taking my monthly payment for my student loan and it has come to my attention that all payments were to be on hold. No one will answer my questions and being passed around from one person to another
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc. (NJ)

So I purchased items on walmart.com using a third-party credit card also known as a buy here pay later card with a company called Sezzle. ultimately I did not end up picking up these items from XXXX because there was an issue at the store where there were no employees available to provide me with my items so I contacted XXXX and they issued me a full refund. When they issued the refund it went back to the Sezzle card that was originally used and Sezzle has been now contacted multiple times by me and XXXX also stated that they will email Sezzle as well confirming the refund was completed back in XXXX. Sezzle not only does not pick up their phone during normal business hours but after I have actually spoken to them via phone and through email, they still continue to not remove the transaction from the account and they also are attending to charge numerous accounts of mine such as credit cards, debit cards, @ bank accounts for a transaction where I never received items and they were already refunded. I contacted Sezzle numerous times via phone and email but there is absolutely no resolution and this company still continues to charge my account when I never purchased anything in the end. They are now knowingly being deceptive and fraudulent in my opinion. I ask them to not charge any of my credit cards, debit cards, or bank accounts again. There is no option on their app to remove my previous used payment methods.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I can't remember specifics. I just want to make CFPB aware of predatory practices by BoA. Their autopay system does not take into account any payments made prior to statement balance autopay date, and debits your bank account the last statement balance regardless of current balance. Furthermore, there is no option to autopay current balance. This is clearly being done to prey on those not savvy enough to catch on. I'm hoping for their tactics to end, and for their customers to be treated fairly. I've never dealt with a credit card company with such a glaring defect in their autopay system.
Consumer complaint received 2015-05-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.
Consumer complaint received 2020-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit, Inc (CA)

I have sent a ID Theft letter and police report several times to this debt collector/auto/lease credit lender and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The auto lease was opened in the name XXXX XXXX. I have never used the name XXXX XXXX. My birth name is XXXX XXXX XXXX. I have never resided at the address in XXXX XXXX that is on the loan/lease.
Consumer complaint received 2020-06-22
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX  XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}
Consumer complaint received 2020-06-02
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. (FL)

contacted credit reporting agency to inform them about incorrect information that is reporting on my file. reporting agency did not do the required due diligence to remove incorrect information on time. and they refuse to actually investigate and remove incorrect information
Consumer complaint received 2020-06-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (WA)

The contract I have with CELINK ( XXXX XXXX XXXX, XXXX Mi XXXX ) states that the interest rate may change ( date to look at XXXX ) 30 days before " change date " my change date is XX/XX/XXXX. The last change by the company used a date before the 30 days, ( in XXXX ) when XXXX was higher than it was at the contract specified date resulting in a higher rate than it should have been. I complained to them to no avail. 

XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I booked travel with Capital One Venture in XX/XX/2020. In XX/XX/2020 the airline cancelled the flights. I am still fighting for my refund with Capital One. They keep saying 1-2 billing cycles. It was cancelled in XX/XX/2020 by the airline. The airline has refunded Capital One, Venture but Capital One continues to hold my money/refund. I have spent in excess of 6 hours on the telephone waiting, and speaking with people who assure me the refund will be process immediately.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Block, Inc. (IL)

I use this cash app card I have my direct deposit set up there to receive my XXXX benefits Last month when I received the {$1400.00} deposit it was available upon notification of the text alert This month It's not available or accessible to me after the same notification I am unable to get them to call me Back after request The only line of communication is via email they Do not respond to an email over 12 to 16 hours regarding financial matters So I just don't understand how they can be operating business financial matters This is a government certified fund.. Like this this is a certified fund And when I got the notice on Thursday at XXXX I emailed them I didn't get a response back until XXXX or XXXX XXXX And I've only gotten the same response since. no direct answer or specifics .. The only respond Im getting is generic that they can have it hold and pend for 5 days And I don't understand .. business days or 5 Regular days? Not to say it's acceptable but they're not giving any real good information They wont email and say more just they release money at the time that they receive it so I'm getting two different stories They said they give the money when they receive it but this clearly not happening in this case Here 's another issue I recently went to a club gave them my card and they billed me the wrong total I contacted the cash App group and email them the concern they Laid on that issue for 2 weeks to a month I finally got a Email communication and they told me to fill out the same information that I already had which was my complaint the date time and transaction detail so they push it out even longer From there I got an immediate response Advising me that the {$29.00} have been credited back I thought great this is over But Then And they proceeded apparently Cancel my card I didn't realize that until I was at the store a couple of days later and My card declined I put two and two together and assumed that because they finally addressed and resolved that issue of my Prior
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

We closed on a refinance XX/XX/20 and chose to cancel the transaction within the 3 day cancelation period ( XX/XX/20 ). Freedom Mortgage & XXXX XXXX did not cancel and paid off existing mortgage and recorded Deed of Trust for new mortgage. Upon receiving notification that my existing loan was paid in full ( on or about XX/XX/20 ), I contacted Freedom Mortgage and the XXXX XXXX. The payoff wire transfer was rescinded and my existing mortgage is reinstated. However, Freedom Mortgage still never canceled refinance mortgage and said it had been sold to " Investor ''. I have tried contacting Freedom Mortgage. The only contact I can consistently make is with a Customer Care Rep who tells me I am delinquent on payment for the mortgage I canceled with Freedom. I received a letter in the mail from XXXX XXXX ( dated XX/XX/20 ) notifying me the mortgage loan had been transferred from Freedom Mortgage effective XX/XX/20. I once again contacted XXXX XXXX  ( on or about XX/XX/20 ) and notified them that the Deed of Trust had recorded and requested that a Release Deed of Trust be obtained and recorded. on XX/XX/20 I contacted XXXX  XXXX  and a case was opened ( Case:XXXX ). I need assistance to prevent Freedom Mortgage from ruining our credit!
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (ID)

I have been a customer in good standing for many years with XXXX XXXX. 2 months ago I started receiving collection notices from Jefferson Capital for XXXX. I contacted XXXX  and they said I am a good customer and I do not owe an old collections bill.
Consumer complaint received 2020-06-23
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: PENTAGON FEDERAL CREDIT UNION (NC)

I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello, I DIsputed fraudulent inquiries with credit bureaus XXXX And Equifax and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2019 I contacted Experian about removing a freeze. I was told multiple times that the cost would be {$20.00} for XXXX XXXX with the info for my pin. They charged me {$32.00}, and sent me something I never asked, a credit report. I was a member and get reports for free, why would I order one when all I asked for was the info to unfreeze my account. I called, now they charged me another {$20.00} to XXXX XXXX my info again. They clearly stated they would investigate and depending on the investigation may refund my money
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank closed all 10 or 11 of my credit cards without notice. 2 of which i have had for over 10 years and one ( Lowes ) had a credit limit of {$19000.00} with only a {$4000.00} balance. Never a late payment ever on any credit. with this bank. Ever in my life. They closed Belk, both the store card ( 0 ) balance and the Belk mastercard, paid off monthly, American eagle paid off monthly, BP Visa credit card balance paid off monthly, JP Penny used once a year paid off monthly, Care Credit used twice in 8 years had a XXXX balance on it and it is now paid off only because i was so upset. Pay Pal regular card and also the Mastercard they closed, Paypal regular still holds about a XXXX balance, Mastercard holds a XXXX balance-Auto pay is now set to {$300.00} as of today. Gap mastercard has a {$5300.00} balance. Credit limit was XXXX i believe. Said i was a " High risk for Failure to Pay '' Yes i will admit, too many cards.. But a high risk when several of them were paid off pretty fast if you ask me. Yes my score did take a drop, but with fighting a blood condition which I am winning, I am paying credit down in a hurry. High Risk of Failure to pay, but most had XXXX balances and others were paid off monthly, no late payments ever.. The letters attached explain nothing but pure, in my eyes, Stereo typing due to credit score drop. 

All I am asking of for My Lowes card back, my BP card and my Care credit for my cats. That's it. I don't care about the others. 

We used Lowes to finish the 2nd floor of our new home 2 years ago. We own a business as well. Please help us, as this has happened a lot of other people here lately due to the pandemic and it's not fair, people with excellent payment history should not be punished and have credit revoked. Reduce credit limits, send letters, help others, don't hinder. Don't judge, reach out, lend a hand. What is our country coming to? 

Please help I just want my 3 cards back that matter to the most. Without having to reapply. 

Thank you.
Consumer complaint received 2020-06-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Auto Title Loans, LLC (AZ)

I hav advised the company that I am unable to make the payment for the time being. This a small {$400.00} title loan. They have repeatedly sent me specific collection text messages with personal information and left voicemails stating my credit is frozen and that they are going to refer or escalate my account.