davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WI)

In XX/XX/XXXX, while XXXX XXXX XXXX full-time, I took out a Citi credit card to assist in making every day purchases as I had very low income. During the period in which I used the card for purchases, between XX/XX/XXXX and XX/XX/XXXX, I charged a total near {$6000.00}. Payments on the account have almost always been current with very limited past due payments. 
Since beginning making charges in XX/XX/XXXX, I have always made a monthly payment often higher than the minimum amount due.

However, to date, in XX/XX/XXXX, my balance remains close to {$4000.00} and the company is unwilling to settle the remaining balance unless I allow the card to go into collections, ruining my credit. 
At the time that I took out the card in XX/XX/XXXX, I was XXXX years old and did not understand that I would be paying on the card for the next 11 years. I have since gotten married, started a family and am still paying off this debt incurred during college. I feel strongly that Citi credit card company has taken advantage of me as a young person who did not know better. They used predatory lending practices to prey on me as a XXXX XXXX, instituting high interest rates on my card, and have refused to allow me to settle the balance remaining on my account. 
Just today I tried to settle the account and was informed by both a Customer Service Representative and the Customer Service Manager, XXXX, that I am not eligible to settle because I have been making current payments. If the account would go into collections, they would settle it then. However, because my account is current and I have been making payments toward Payment Protection Insurance, I am not allowed to settle this account. 
These practices take advantage of consumers in a young, volunerabble state and do not allow those consumers to settle or close out their account balances a decade later when they are trying to raise a family. This type of predatory practice results in my family 's inability to rise above the credit taken out years earlier and move on to something new. 
As such I would ask that the company be made to explain why they refuse to settle an account without first ruining the credit of the individual consumer involved.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Mailed check to pay for one year membership in Sam 's Club on XX/XX/XXXX. 
Check was cashed and cleared bank on XX/XX/XXXX. 
Check was in the amount of {$100.00}. 
Credit card company says they didn't cash the check.

Provided front and back of canceled check and a copy of bank statement to the credit card company. 
Also, have filed complaint with XXXX XXXX XXXX.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.
Consumer complaint received 2018-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

My car was stolen on XX/XX/2018 The car was reported to the police, insurance company and American Credit Acceptance the " lien '' holder. The car was found 5 days later and it was involved in a serious auto collision XXXX my insurance company declared the car totaled out. American Credit Acceptance the lien holder got paid from the insurance company on XX/XX/2018 in the sum total of {$14000.00} Also the ext warranty was cancel by XXXX the auto dealer and XXXX XXXX paid out to American Credit Acceptance they were paid out {$2500.00}. American Credit Acceptance when i called them on XX/XX/2018 they told me i had an overpayment of {$1000.00} and some change I don't remember the exact amount the first rep told me that it will be mailed out to my new address with in 1-2 weeks i said fine thanks I waited 1 week nothing came in the mail I call back talk to another rep they stated the account again has an over payment due to me and it still being in the process he advised it will take 3 more weeks and the payment should be mailed out on XX/XX/XXXX i said ok and waited and i called back again on XX/XX/XXXX no payment was received by me still I talk to a rude lady and she told me I don't know why I keep calling because there is no overpayment on the account and I will never receive my money. I told her i had the proof from XXXX and XXXX and she told me XXXX only gave them {$1500.00} and i asked her where did the other {$1000.00} went and she told me my account was {$0.00} balance but no overpayment I hung up on her out of frustration I have the proof and she the rep called me a liar and every rep i talked to a liar because there is no such payment owed to me very frustrating.
Consumer complaint received 2018-07-13
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: CL Holdings LLC (MI)

XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.
Consumer complaint received 2018-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Despite Multiple written requests, the unverified Collections still remain on my credit report. It's my understanding that under the FCRA they have to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). of the FCRA. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). And Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I have no idea who they are and I do not believe I owe this alleged medical debt. They are also reporting that I made payments on this account to XXXX? WHERE?! SHOW ME WHEN, HOW, WHERE! They have not provided Proof it belongs to me. And they continue to report this erroneous information.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I called Experian hundreds of times over several months and Experian continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told Experian the XXXX accounts were closed. Experian insulted me when I called and refused to remove the inaccuracies even though all 10 XXXX loans are closed. Experian denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to Experian that they were violating FCRA and they just hung up in my face.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My family and I have been earning and accumulating miles through the Bank of America XXXX credit card fairly according to Bank of America XXXX credit card T & S and promotion. We've booked our award flight through XXXX XXXX earlier in the year ( XX/XX/2018 ) for travel in XX/XX/2018, using the accumulated miles. In XXXX, we've received an email from XXXX Revenue Protection automated system, stating " the reservation booked under confirmation code XXXX will not be allowed travel, ... the account used to book the flight has been suspend. ", and that we needed to call XXXX. Speaking with the XXXX XXXX   agent, they've requested government issued ID of the travelers, which was furnished. About two weeks later, we received email from their XXXX XXXX agent XXXX, demanding an amount of {$9100.00} for the miles we've used..and " payment will need to be made in full with a money order made out to XXXX XXXX. '' Multiple attempts trying to reach the XXXX agent failed. Every time we speak with an XXXX XXXX specialist, they would come up with different story why the miles can not be used, from " the accounts owe Bank of America money ... .the accounts has not paid annual fee ... Bank of America has frozen the miles and you can not use them ''. After contacting Bank of America multiple times, they have expressed concerns why XXXX XXXX is placing the account on hold when the points were earned and annual fee were paid. They were also shocked when we've told them that XXXX XXXX agent requested Money Order for the miles used.
Consumer complaint received 2018-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (AL)

I am confused about a complaint, I filed with CFPB in XX/XX/XXXX. This complaint was never resolved, no correcting respond from CitiMortgage, Inc. and no follow-up from CFPB, although there was several violations by this mortgage company, when they continued with a foreclosure that simply violated all CFPB protection ruling in XX/XX/XXXX. I contacted the right authorities, but I did not receive a follow-up on the situation, no kind of investigations into the matter, as to what was done to correct it, I am baffled, because in your release in XX/XX/XXXX, the rules were clearly stated and released to mortgage servicers, but they still continued with their foreclosure practices. Those practices is mistreatment to struggling borrowers. I have not heard from CitiMortgage since XX/XX/XXXX my last response from someone associated with CitiMortgage, under your ruling my foreclosure should have been halted on several reasons. I am also requesting my mortgage file documents from XXXX, XXXX,XXXX,XXXX and XXXX. But, the foreclosure attorney for CitiMortgage continues to harass and send threating letters to vacate notices and now CitiMortgage is trying to sue me, to have me ejected. CitiMortgage, Inc. has violated all CFPB rules. I am currently in Bankruptcy. CitiMortgage canceled the homeowner 's insurance without any notification. This is so unfair to any homeowner. When will I be able to get some reimbursement funds from CitiMortgage, from the XXXX XXXX dollars, that was fined by CFPB?
Consumer complaint received 2018-07-13
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. (MO)

I SUBMITTED PAPERWORK TO XXXX AND TRANSUNIONON A NUMBER OF OCCASIONS. TRANSUNION DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
Consumer complaint received 2018-08-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX XXXX at fifth third bank gave me information that was misleading and inaccurate. when i opened my acct. on XX/XX/XXXX i was told by the branch manager at 5/3 that my checks would be delivered to me within 5 - 10 business days, free of charge. i watched the manager order the checks. they have not arrived. i asked about the on-line banking, he set it up for me and it worked. that was on XX/XX/XXXX. a week ago i had to pay bills so i tried to make a car insurance payment using the online banking. and to an error message. on XX/XX/XXXX i went to a branch and they " fixed '' it and it worked once. but then i could not login. my user ID was invalid. so, after working on my login i could login but i could not use the on-line banking. so i called the customer service line and XXXX told me that it takes 14 days for checks to arrive and that they had never been ordered and there is a fee for the checks. i had to wait 30 day before i could use the on-line banking system. all of this information is misleading and bad! i would like to complain about the misleading information they gave me.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

I am a senior citizen and on XX/XX/XXXX I decided to go to my bank 's website and take a look at my recent checking account transactions. I noticed one ACH transaction on my statement that I was not familiar with ( XXXX ) in the amount of {$17.00} and called the telephone number included with the transaction to try and get more information. I was told that they are a " Hospital Accident Protection '' insurance company ( XXXX XXXX ) and worked with my bank ( Regions ) to offer me a policy with this company in XX/XX/XXXX. I would never agree to accept such a policy nor would I agree to have monthly debits ( {$17.00} ) made from my checking account to pay for this. I told the person on the phone that I never agreed nor authorized their company to give me a policy or withdraw {$17.00} each month. I asked what her name was and where they were located and she replied that they were in the XXXX and she offered to cancel my policy and send me a letter confirming the cancellation. I said I wanted my money back for the last 44 months they have been making unauthorized monthly debits and she said she would also send paperwork to arrange for the refund. I then called my bank ( Regions ) who researched this so called affiliation to offer policies to their bank customers and the bank could not find any information nor could they confirm that I was offered and accepted this policy. After explaining that money has been fraudulently deducted from my checking account since XX/XX/XXXX they said they would explore the matter further and possibly refund for only the last two ( 2 ) years. They will notify me when a determination is made.
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (WI)

On XX/XX/2019 an account from XXXX  XXXX XXXX XXXX XXXX for {$730.00} was opened but due to hardship from Covid-19 I reached out about payment options but nothing was extended to rectify this account. I reviewed my consumer report and notice it is reporting major errors. How can the account status report open/closed at the same time and it is showing late 120 days and it is now charged off? This does not seem right at all. 

The debt collection company name is Trident Asst but the original creditor is from XXXX XXXX XXXX XXXX XXXX. I am doing what I need to get this account rectified but they are stating verified but no actual proof.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

I sent money from my account at XXXX to my account at Wells Fargo. XXXX sent a physical check to Wells Fargo. Money was deposited in another account. On the back of the check there is information about it. I went to your branch of Wells Fargo ( XXXX ) and tried to explain that situation. They did not want to listen to me and sent me to XXXX. I went to XXXX. They did some research and said : the money was sent in the true way. On the back of the check there is printed information about how and where my money was deposited. So, I need to go to Wells Fargo, to show them that check and ask them to fix that issue. I came back to Wells Fargo and again showed that check and repeated what I got from XXXX. They again sent me to XXXX and refused to take a look at the information on the check. 

They refused to work with that problem.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore has not provided the breakdown of all the payments from the loan as requested the payoff amount they just sent is {$55000.00} higher than the foreclosure judgement amount and this is not the escrow taxes or insurance payments there is no explanation as to the additional costs and it is not included in the judgement award Rushmore to give me the accurate records requested. They denied my modification CLAIMING THAT IT WAS NOT RECEIVED IN A FAIR AMOUNT OF TIME YET THE REJECTION WAS BECAUSE THEY SAID THEY DO NOT DO MODIFICATIONS FOR LOANS IN DEFAULT THE AMOUNT OF TIME MY LOAN IS IN DEFAULT FOR. THEY HAVE BEEN ABUSIVE WHEN I REQUEST INFORMATION I WAS TOLD THAT I SHOULDNT HAVE BEEN SO FAR IN DEFAULT. THAT IF I HAD MADE MY PAYMENTS I WOULDNT BE IN THIS SITUATION AND THERE IS NOTHING I CAN DO THAT IS WHAT I OWE IF I DONT PAY IT THE HOUSE WILL BE SOLD Rushmore does NOT RESPOND TO THE ALLEGATIONS THEY RESPOND TO OTHER ISSUES. 

THE JUDGEMENT AMOUNT AND PAYOFF AMOUNT ARE LEGALLY SUPPOSED TO BE THE SAME BUT THEY ARE NOT AND IT IS NOT LAWYERS FEES INSURANCE PROPERTY COSTS TAXES OR ESCROW THOSE AMOUNTS I AM AWARE OF IT IS THE ADDITIONAL XXXX
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NE)

XXXX XXXX called me and made it clear that I was not going to have any money taken out of my act until the end of the next week. I have called numerous times and I have been hung up on and the phone representatives were very misleading. I am in non financial condition to throw money at this company. I wanted to look into repairing my credit not getting it ripped apart by some scammers. XX/XX/XXXX I was texted info and it stated I was to receive email from the company. Each text was from a different number. One being a area code. From SD. The amt was in the XXXX range and subsequent payments to follow. Please help me with this situation. I am in debted to you and the staff.
Consumer complaint received 2018-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave Capital one auto customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were  processed and were official, I called capital one auto once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to Capital one auto finance department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed capital one about the matter. I received a call from capital one auto on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was recently notified by XXXX XXXX, that TransUnion has stopped recognizing an open account of mine that has always been on my credit reports. In my case, XXXX XXXX in Connecticut. An active account I have had for years and was never late on. When they did this ... my credit score dropped by over 70 points. I never authorized them to do so. They just took it upon themselves to delete it and my credit rating suffered greatly. What gives them the right to do this?