davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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: Continental Finance Company, LLC (NY)

I filed a dispute for {$250.00} for a XXXX procedure, the dr left the company. I specially signed documents for that Dr only, the people then contacted me saying the Dr was no longer there so I asked that my {$250.00} be refunded because I did not want another Dr they would not refund my {$250.00}. So I contacted XXXX XXXXXXXX and filed a dispute I sent in all my messages showing they said the Dr was no longer there and the documents showing I signed for that Dr , surge never contacted me for additional documentation or anything they closed my dispute. I have been calling since XX/XX/XXXX to speak to a supervisor with surge everytime. I call they always say they cant get me over to one they have to call me back. Which is 24-48 hours I have been calling every week since XX/XX/XXXX it is now XX/XX/XXXX I have not spoken to a supervisor still. XXXX is the worst credit card company and I recommend them to no one. I have NEVER had a card where I cant speak to upper management and not one person call me back this is is a disgrace and a slap in the face as a card holder.
Consumer complaint received 2024-08-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (IN)

I consolidated my loans with the explicit purpose to receive the benefits of the SAVE plan. After the consolidation, through no fault of my own, the terms of the save plan were judicially altered, such that the terms of the consolidation loan I consented to were in question. But for the benefits of the save plan, I would not have consolidated. The consolidation prevents the most cost effective manner of payment and accelerates the interest owed. The daily interest on 12 individual loans compounds differently than the consolidated loan. The financial institution that holds my note has been given an unfair advantage by changing the terms and conditions of the consolidated loan well after the time in which I would be allowed to revert to separate loans ( within ten days of consolidation ). 

In XXXX of 2024 I had many separate loans. Some of those loans qualified for SAVE. Some did not. I read the details for consolidation and terms and conditions to qualify for the SAVE plan. I made the very hard discission to consolidate after multiple conversations with NEL NET and Student Aid. Gov. I was explicitly told and all of the documentation instructed that the only way to have my loans all gain the benefits of the SAVE plan was to Consolidate. And so, I consolidated. I did this timely in order to receive the benefits of the SAVE plan. Months after this consolidation, the terms and conditions of my repayment was altered without any default or error on my part. 

This violates my right to choose how I engage with financial services. In this case, the federal government, president and courts many miles away very strong powerful enities acted to obviate my prior rights and void my ability to consolidate with an understanding of terms and conditions of the financial services. I am aware that many more actors and powerful factors are moving against my interests. THe CFPB is around to protect the informed consent of a borrower and even the field where financial institutions place an individula at an unfair advantage, moving the goal post for borrowers. NelNet will benefit from this false inducement by collecting nearly {$700.00} more than they were entitled to before my consolidation, which erases my disposable income altogether. 

HELP please
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My wife and I signed up for a XXXX Capital One card that was supposed to give me 5 % cash back on all purchases at XXXX stores and XXXX for the first year. I got the card in XXXX 2024 and like a month later, Capital One is notifying me that they are terminating their deal with XXXX and will not longer honor the 5 % cash back I was supposed to get. I signed up for this card only for this offer and took a ding on my credit score which could cost me money on other things I buy and after only about a month of having the deal, I am getting screwed!
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

I recently accessed my US Bank online account and on the main account website page, there is a button on the right side of the page that shows my current credit score with an arrow pointing to the right. I clicked on the buttown and was forwarded to a second webpage owned and operated by US Bank. I went no further. I did not investigate any further information in regards to my credit score. I did not accept any terms related to XXXX XXXX. I did not sign up for XXXX XXXX. I did not leave US Bank 's website ( my logged in online account ). 

There is no information on the US Bank website ( my logged in online account ) that discusses anything related to being automatically signed up for XXXX XXXX if the credit score button is clicked. I applied for a new credit card from a different company, and XXXX XXXX sent me an email notification. I did not sign up for these notifications and was automatically signed up from my online account with US Bank. 

I called US Bank and also filed a BBB complaint concerning this issue. US Bank refuses to unsubscribe me from this XXXX service via XXXX. I do not accept US Bank 's response to me, which is to register on the XXXX website or call, and then cancel the XXXX service that I did not sign up for. Then, I will have an online account with XXXX that I not want. And the XXXX terms of creating an account, I do not accept. I did not sign up with XXXX XXXX US Bank signed me up without any notification, or my approval. US Bank needs to remove me from the XXXX XXXX service immediately.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (CA)

The credit card company reported that my card had a balance off over XXXXXXXX XXXX when I tried to close the account my balance was u see XXXXXXXX XXXX I have since paid the card off completely and I have lost XXXX points on my XXXX XXXX due to the false information about the balance on that card
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX, XXXX, SC XXXX and the CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lentegrity Management, LLC (FL)

XX/XX/XXXX I paid the settlement amount of {$900.00} to pay off my {$8900.00} auto loan. The amount stated in the letter sent by XXXX XXXX at Lentegrity was paid with my debit card and I was told my account would be closed. Then a new account was added to my report stating the account was opened XX/XX/XXXX for the amount of {$68000.00}. I sent XXXX XXXX many emails about this error on my credit report. He stated it was an error and he didnt know why that account was showing on my credit report. Now theres a new amount of {$680.00} as a balance. They are refusing to settle the matter and wont email me back. This has affected my credit score and ability to get any other loan. Here is the credit reporter who is in charge of my account through this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Office : XXXX XXXXXXXX XXXX Debt Collector License # XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (CT)

I am writing to address a billing concern regarding a past appointment with XXXX XXXX on XX/XX/year>. 
During this visit, I sought consultation regarding an issue related to my XXXX XXXX from a previous XXXX. This was my third visit with XXXX XXXX ; during the first visit, a procedure was performed, which was covered by my insurance. However, during my second visit, the only discussion was about repeating the same procedure at a future appointment. I would like to emphasize that no examination or treatment was conducted during this visit, which lasted approximately one minute. 
Given these circumstances, I find it difficult to understand the {$640.00} charge for this appointment, where no services were rendered. I have never had any issues with debt collection in the past and have been actively disputing this charge with my insurance, as I believe it should have been covered under my plan. Regrettably, I have not received any resolution from my insurance provider. 
In light of this situation, I kindly request a reconsideration of the bill and, if a reduction is not possible, I would be open to establishing a payment plan of {$25.00} per month.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I am writing to file a complaint against GS Bank/Apple Card regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the GS Bank/Apple Card website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

In 2019, I was a victim of identity theft. The account is listed below and in the FTC report that I attached. Wells Fargo ( XX/XX/year> ) : {$10000.00}. This account is on both my XXXX and XXXX Credit Report. I have submitted FTC reports to this company
Consumer complaint received 2024-08-13
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: TRUIST FINANCIAL CORPORATION (TN)

I have fraudulent transactions on my credit card that occurred on XXXX and immediately filed a dispute. It's XXXX transactions from XXXX XXXX XXXX. XXXX transaction for {$180.00} and XXXX transactions for {$67.00}. These were international charges as I was charged foreign transaction fees. As of today, these dispute is still open with no resolution. I'm having to make the minimum payments to keep the account from going the delinquent. This is also reporting a balance on my credit report that is not mine.
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-08-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (OH)

Caine & Weiner debt of XXXX was discharged on XX/XX/year>2024 by XXXX confirmation number XXXX. The transaction was made by XXXX XXXX. On XX/XX/year>2024 I spoke with XXXX management Stating the payment wasnt received, I explained the jurisdictional literacy used was incorrect & the transaction was confirmed by my account & they might have assumed voluntary service for my settlement in error. 
Federal business use specified account for crediting settlements that are outside of minority account ownership! My account has been settled Caine & Weiner are imposters acting as the accountant or trustee of my federally registered business trust
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (MA)

The only way to dispute a charge with FNBO is by phone. FNBO refuses to allow any other form of submitting a dispute, yet it puts you on hold and you can never get to a live person.
Consumer complaint received 2024-08-17
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 (MA)

FNBO refuses to accept a dispute by claiming that they can't verify my identity. It didn't prevent them opening a credit card for me with the {$20000.00} credit limit, and make charges approaching this amount. But for a dispute of the {$69.00} bogus membership fee, that can't establish that I am who I am.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have had a credit card with Bank of America for XXXX  years. Recently, the bank closed my account, citing inactivity for XXXX  months. They claim to have sent XXXX email and XXXX paper notices regarding the impending closure, but I never received any of the paper notices. Despite verifying that the address on file is correct, they closed the account less than XXXX months after supposedly trying to contact me about it. 

I did receive an email from the bank, but I believed it was related to another account for which I had requested a new card and made recent charges. The closure of this account, which I have maintained for over XXXX decades, has negatively impacted my XXXX XXXX. 

This is particularly concerning given my longstanding relationship with Bank of America. I have held over XXXX accounts with them for more than XXXX  years, including credit cards, HELOC, checking, savings, business checking, business savings, and business credit accounts. 

I would like the CFPB to investigate Bank XXXX XXXX handling of this matter, including their communication efforts, and assist in resolving this situation to prevent further damage to my XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC. (AZ)

Pangea XXXX XXXX XXXX initially blocked me after I have done business with them for approximately XXXX  years. I tried XXXX XXXX. They asked me questions that I answered thoroughly. Then I was sent a message on XX/XX/year> that my money transfer can't be processed. No more information was provided to me. ALL international money transfer locations blocked me. I need to send money to family in the XXXX.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IN)

I should be able to download transactions automatically to my XXXX account that process has worked reasonably well for years. Suddenly it does not work. When XXXX redirects to the Citi website, after I reach the website, it just buffers and eventually crashes. I called Citi, and they refused to provide assisance. They simply forwarded my call to an ineffective extension. In effect, they hung up on me without trying to help. I tried twice with the same result
Consumer complaint received 2024-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (MI)

XXXX. XX/XX/XXXX " Forbearance Approval Letter '' - " As of XX/XX/XXXX, weve received your completed Application For Success. Youve qualified for a 3 month forbearance plan that gives you time to resolve your hardship. '' " We'll be contacting you 30 days prior to the end of the forbearance period to discuss your next steps. We will also provide information on alternatives that may be available to you at the end of the forbearance plan term, such as a reinstatement or a repayment plan. '' XXXX. XX/XX/XXXX " XXXX XXXX XXXX '' w/ monthly statement - " You will continue to receive your monthly billing statement while you are in an active workout plan. Your billing statement will reflect your regular mortgage payment ; however, your workout approval letter contains the current terms of the plan. '' " XXXX XXXX XXXX : {$0.00}. '' XXXX. XX/XX/XXXX - " XXXX XXXX XXXX '' w/ monthly statement - Same. 
XXXX. XX/XX/XXXX - " XXXX XXXX XXXX '' w/ monthly statement - Again, same. 
XXXX. XX/XX/XXXX XXXX XXXX - " We recently notified you that you were approved for a mortgage assistance program to get back on track with your payments. However, the offer has been withdrawn as of XX/XX/XXXX since you did not accept this workout. If you are behind on payments, its important that you understand that we may begin or continue the foreclosure process unless your loan is current ( or will be reinstated by other means ). '' XXXX. XX/XX/XXXX - Called Rocket Mortgage - I was shocked to learn that on XXXX XXXX, XXXX, our family home will be sold. I was told then for the first time that I had never " accepted '' the workout plan. When I expressed that I did, I was simply told that it was too late. That application was already closed out and I would have to reapply. I answered her questions over the phone, but apparently that did nothing. 
XXXX. XX/XX/XXXX - I attempted again to access my account on the Rocket Mortage website, but I have been locked out from accessing anything, including any ability to access the application process to try and save our home. I was able to make contact with an online chat agent, but I was told that it will be XXXX hours before I maybe will be able to access my account. I feel Rocket Mortgage wants me to lose my home for their own benefit. It's gut wrenching that I can do literally nothing.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XXXX XXXX, woke up to a shock to find my credit score had plummeted XXXX points due to an account closure of my {$1800.00} Forever 21 Comenity Bank credit card account which I did not request. I have always maintained my account and even had a zero balance. I received a credit increase in XX/XX/scrub>XXXX XXXX due to my diligence. I am unable to call Comenity as my call is dropped as soon as I enter my SSN. I called the new parent company Bread Financials fraud department and was told about the recent account migrations and multiple subsequent card closures of Comenity legacy accounts. I was also told my account had been inactive. I asked why I wasnt somehow notified it might be closed as is required under the CARD act and she did not know. She did call Comenity with me on the line and attempted to research this. I know that the consumer has a right to know of impending account closures for inactivity or for company charges. I have worked hard to raise my credit for this to happen. I want my account reinstated but its impossible to speak to anyone directly at Comenity Bank/Bread Financial .
Consumer complaint received 2024-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I have had a Chime account since XXXX and have used it frequently for day to day transactions and receiving deposits from my job. I had no issues with them until XX/XX/XXXX when I was banned with {$660.00} in my account and several transactions linked to the account. I had made a normal cash deposit of {$390.00} at XX/XX/XXXX the day prior as I have always done so nothing was out of the ordinary. I was told I was banned for violating their Deposit Agreement and was ineligible to receive a refund for the money I worked hard for. They refused to pinpoint and inform me what I had done wrong and were now refusing me the opportunity to provide paystubs, documents or anything needed to verify my identity and retrieve my money. I had no issue losing the account as long as I got my money but they adamantly refused to give me my money even after multiple long phone calls.