davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Abrahamsen Gindin LLC (NY)

So again Forster and garbus provided the wrong information in the last closed ticket thats the old agreement it isnt the new court approved agreement hence why I said they need to update their system. How can you take me to court in XX/XX/year> and not know the amount you placed on a paper
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (NV)

BMO Bank is refusing to open a dispute about charges totaling {$370.00} on my credit card ending in XXXX. BMO Bank has not sent any formal letter, with supporting documents, to explain its refusal to open the dispute. Accordingly, I have now closed this credit card account.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NH)

Opened checking account with Citi bank XX/XX/year>. Deposited {$1500.00} between XX/XX/year> to XX/XX/year>. On XX/XX/year> account blocked when trying to XXXX out funds. XX/XX/year> account unblocked after discussing issue with their executive response team. XX/XX/year> account again blocked when trying to XXXX out funds. XX/XX/year> notified by Citi bank that account had been closed by Citi bank. Attempted to reach out again for information and how I would get my money back. No information provided. Believe Citi bank is committing fraud and trying to keep my money. Citi bank trying to avoid paying new client sign up bonus.
Consumer complaint received 2024-10-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

I just received a letter that stated that I was charged a late fee which in fact my payments were received NewRez company before the XXXX. One of the attached shows when my payment was paid out from my bank and the other shows when NewRez received and processed those payments. The Rez Payment History also shows late fees that the company applied to my account when infact they received my paymenys on time. NewRez seems to have a problem placing the payments into the proper catagories. It also appears that they are using my next partial payment and applying it to what they consider missing payments keeping my account behind on my payments.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified TransUnion of a discrepancy on my report. They are reporting a collection of {$3000.00} by XXXX XXXX XXXX. I have no knowledge of this account. I requested, in writing, copies of the original documentation including my signature. This is pursuant to my rights afforded me under section 609 of The Fair Credit Reporting Act. My requests were ignored and a copy of my credit report was sent to me in the mail, this is not what I requested. TransUnion is violating my rights by continuing to report this information without proper documentation. I am asking that this information be provided or the erroneous account removed.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC (NC)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/XXXX I have initiated a dispute regarding a fraudulent activity charge that was initiated in XXXX in XX/XX/XXXX. 
To this date the dispute was not resolved way beyond the mandated 90 day mainframe and the bank didn't even issue a temporary credit which is a normal practice here. 

On XX/XX/XXXX I called the bank and after holding for about 7 min requesting speaking to the supervisor the call was disconnected. I then again called the bank and asked for a supervisor who then in the process of about 20 min call told me that's she has no authority to address the matter and volunteered to transfer me to the dispute dept. After holding for about 8 min ( total 29 min for the call ) the call was disconnected again. And when I called the third time directly to the dispute dept I was put on approx. 20 min hold and then again disconnected. 

It is apparent that the FNBO is not interested in addressing the matter so I would like the following to happen : {$64.00} final credit of dispute to be applied to my account. 
{$20.00} in my rewards point balance transferred to my account and then the final balance refunded to me in form of a check. 

Then the account to be closed. 
I simply can not do business with the bank that has such degree of contempt to people who give it business. Please note that the bank has a regulatory responsibility to address a dispute within 90 days of its initiation.
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

ENTIRE STUDENT LOAN WAS PAID IN FULL, XXXX KEEP {$5000.00} AMOUNT & INCREASED TO {$7500.00} WHEN BALANCE SHOULD HAVE XXXX {$0.00}.
Consumer complaint received 2024-10-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

XX/XX/XXXX, XX/XX/XXXX tried to make a payment both times online and by phone called the company.They state it was my card I called bank nothing wrong with card.Spoke to company states that my card zip code is wrong not true used the same card to pay bill forever. Drove to store to pay bill and card worked there.No one at company can help spoke to some other card holders having same problem paying theyre bills
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On my other complaints they admitted they violated this law 15 usc 1666 ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, 1974, XXXX XXXX. XXXX. )
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KY)

XXXX of XXXX  I paid down my discover credit card and went to take care of my father who had XXXX. Upon returning home in XXXX I checked my account, which was set to auto pay, and there were hundreds of charges totaling nearly XXXX dollars. I immediately called discover. They temporarily removed the charges but have since added them back without any justification. I have also filed a report with the FTC and the credit bureaus. Please help. I am happy to pay for my purchases, but I should not be responsible for charges I never made. In fact over the last XXXX  years with Discover the charges made to my account do NOT align with ANY purchases that I have ever made. They are clearly fraud!
Consumer complaint received 2024-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (GA)

I went to XXXX XXXX XXXX XXXX. 
Which was later seen to have been predatory. For a while after graduation, summer of XXXX, after i was in repayment, i had a hard time finding the ability to keep up with payments. There was a call i remember i was brought to tears by how aggressive the caller was. I was asking about what my options were as far as repayment. I was told that since i was refusing to make payment that they would keep calling me and my cosigner. The end result of the call was me being put into a repayment program that would be for 6 months bring my payments down to XXXX $ every 2 weeks. And like clock work, since my financial situation, ( not for a lack of trying ) never got better, every 6 months, after verifying my bank accounts and job history. I would be presented with another forbearance/repayment option which would bring my payment down to an amount that allowed me to pay rent /eat /live. This continued from XXXX through covid/ and me going back to school when able. In XXXX after making bigger payments monthly i was asking for copies of payment history to see if i qualified for loan cancellation after the lawsuit went public. 
I was then told i didnt qualify because i hadnt been deferred. I asked for proof. Never received my full transaction documentation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year>2024 XXXX  XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX  XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX  XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (SC)

On the morning of Friday, XX/XX/2024 I called several Wells Fargo locations in the XXXX area to make sure the branch would have enough cash on hand to cash a {$32000.00} check from XXXX XXXX for a total loss vehicle claim. After several branches advising me they did not have funds available, the XXXXXXXX XXXX  Wells Fargo branch advised they could cash it as long as I did not mind a majority of it being in {$20.00} bills. That was not an issue for me and I told the manager that I would be in later that day to handle the transaction. I left XXXX, XXXX  ( about a XXXX XXXX XXXX ) around XXXX pm and headed to XXXX, XXXX. I arrived around XXXX pm, went into the bank, presented the check and 2 forms of ID. I advised the teller that I called that morning and confirmed they could cash the check so I drove the XXXX minutes for that purpose. The teller called her manager and ask about the conversation he & I had that morning. The manager told the teller that the bank would be able to cash half the check and the balance would be a certified check. That is not what I was told that morning nor would that work for me. I was purchasing a vehicle on Saturday and could not pay for it that way. The teller was very dismissive and rude and basically did not care that I drove XXXX minutes one way based on my phone call with the manager that morning. I was told that's all they could do and if that wasn't satisfactory to me they couldn't help me that I could go to another location. The entire reason I went to that branch was because I called and confirmed the cash was on hand. I don't know how it is legal for a bank to deny to cash a check drawn on their bank that funds are sufficient in the account drawn from. This has to be illegal. If I don't pay my debts, I am charged late fees, over draft fees and reported to credit bureaus. But Wells Fargo can deny to cash a check drawn for an account with sufficient funds? This is unacceptable, unethical, poor customer service and in my opinion theft. A check is a legal document that a bank is responsible for cashing. Because they refused to cash the check, the seller of the vehicle I arranged to purchase Saturday backed out and sold the vehicle to someone else. I drove an hour and a half out of my way based on being told they had the funds to cover the check. I should be able to charge the bank late fees, NSF fees and for my time lost due to the bank being broke and poorly managed. I want them held accountable and want to be compensated for their negligence, and refusing to pay when funds were available in the account. This can not be legal and something needs to change if it is. I also think the bank should be fined for breach of contract.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I Have Over XXXX points that have not been credited to my membership number with British airways account. I have had 3-calls with customer service over the last two months and each time it would be corrected and to date it has not. Account was opened on XX/XX/year> and I qualified for the bonus points on XX/XX/year>.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (CA)

I applied for a personal loan from BHG financial. The company address is XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX. I did not like the terms of the loan and did not proceed and never agreed to the loan so never got the money. However, for the last 2 years the company has been bombarding me with mail. At first I was getting it at my home address and then they somehow found out where I work and started sending me advertisement mailings at my work address without EVER getting any consent from me. I called them on XX/XX/year> and told them to STOP as I WAS NOT interested in any of their services or loans and they said that I will not be getting any further mailings after 30 days. That was not the case and I continued to get advertisement letters and mailings. I then filed a complaint with XXXX XXXX XXXX  on XX/XX/year>. XXXX  contacted the company and I was again promised no more mailings. I received another letter from BHG yesterday on XX/XX/year>. I don't know what else to do. Please HELP. I don't want to receive any mail from this company. I think they are an awful company and I don't want to have anything to do with them and I feel like I being harassed. What right did they even have to start sending me advertisement letters at work? Thank you.
Consumer complaint received 2024-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NJ)

Care Credit / Synchrony Bank I am writing to express my concern about a recent interest charge of {$2900.00} applied to my loan. This charge was unexpected, and I was not notified about it beforehand. There was no detailed explanation of this charge and the reason for the lack of communication. 
The loan amount was for {$5500.00} it was about to be paid off there was only {$1000.00} left to pay. 

I would appreciate it if you could review this matter.
Consumer complaint received 2024-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (DC)

I checked my credit report after receiving an alert from the credit bureau that a collection had been added to my account. I check and I have never in my life heard of XXXX XXXX XXXX. I've never received any mail or phone calls about any XXXX XXXX. My number and address has been the same since XXXX. NEVER received anything. I look up the company and it says they are located in Wisconsin. I have never been to Wisconsin a day in my life. I have disputed the collection over 4 times now. Each time I have asked them to send me the information to verify my debt, nothing. It says the account was opened XX/XX/XXXX. I know for a fact I was not in any medical facility on that date and if this is the date that it was sent to collections, again, I have no knowledge of this whatsoever.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (GA)

I entered a credit consumer transaction on XX/XX/XXXX with American Express XXXX XXXX ACCT ENDING IN : XXXX and American Express Gold XXXX XXXX ENDING IN :XXXX. My accounts has been closed since XXXX of XXXX due to me losing my job. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating that I have to pay a total of {$2400.00} for both accounts. {$1800.00} for the American Express XXXX XXXX and {$550.00} for the American Express Gold XXXX. I called American Express XX/XX/XXXX to understand why I am unable to make a payment and I was told by XXXX XXXX that my closed accounts has been ( Transferred, Outsourced and SOLD ) to XXXX XXXX XXXX with out my authorization. 
( 15 USC 1681c-1 ) ( 15 USC 1681p ) ( 15 USC 1681q-3 ) defines fraud & Identity Theft. XXXX XXXX has been contacting me on behalf of American Express when originally I did not sign an contract with this company. I've asked American Express to remove this from my credit report due to my accounts being closed and sold to XXXX XXXX XXXX a 3rd party credit company due to it effecting my way of life and I was told that American Express is not authorized to do so.