davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I will file a complaint with Credit Karma as well. I was shopping rates on Credit Karma and wanted to see the terms I would get on a soft pull. The card was opened immediately without my consent. I called XXXX XXXX and requested to close the account immediately after I got notification that the card was opened ( within mins ) The card was closed fine however they were still going to report it to the credit bureau as a closed card. I do not believe this is right if a person has called immediately after the opening of an account. They tell me they have no ways of pulling this information off the credit report when they are the ones who send the report to the credit bureaus they absolutely should be able to turn around and either XXXX stop the reporting of it XXXX not report accounts that have been closed within XXXX hours of opening. After I confirmed the account was closed of course there was a hit on my credit which should not be registered or removed upon closing. Less than a few weeks later I get a statement saying there's a {$120.00} balance. I called immediately and found out there was an annual charge still on this card. Not only was I not given what the terms were in my exact credit scenario, they charged a annual fee that if i actually were going to get the card and keep it wouldn't have known because no terms were shown to me. This started with Credit Karma but I am am submitting a complain to XXXX XXXX for reporting improperly and inaccurate information on my credit report.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

My card was taken XX/XX/XXXX and I reported this. On XX/XX/XXXX {$500.00} was taken my that card and I reported a dispute on that on XX/XX/XXXX. Cash App refuses to return the money and I have reported it several more times. I also declined a request for {$80.00} on XX/XX/XXXX and they refuse to release the money. I still have not received the money and have made several attempts without success.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Subject : Reconsideration Request for Fraudulent Transactions Dispute - Claim Reference Number XXXX I am writing to express my dissatisfaction with the outcome of the investigation related to the fraudulent transactions on my account, referenced by Claim Reference Number XXXX. According to the email received, the investigation concluded that no error was found, and I am deemed responsible for the unauthorized activity. 

I find this resolution unjust, as it seems unreasonable to thoroughly investigate and determine the legitimacy of fraudulent transactions within a mere 24 to 48 hours. Considering the complexity of such matters, I request a reconsideration of my claim and an immediate credit to my account for the funds associated with the unauthorized activity.

I believe this request aligns with consumer protection laws, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which outline the rights and responsibilities of consumers and financial institutions in cases of electronic fund transfers, including unauthorized transactions. 

According to EFTA and Regulation E, consumers are entitled to prompt investigation and resolution of reported errors or unauthorized transactions. I urge you to review my case thoroughly, taking into consideration the substantial inconvenience and potential financial impact I am experiencing due to the unauthorized activity on my account.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX  Account # XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. 


There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Skrill USA, Inc. (CA)

We used paysafe credit card payment processing service account # XXXX for almost 2 years. The service fee were ridiculous so is every month XXXX compliance requirement. XXXX decided to cancel the account on XX/XX/2023 and filled the cancellation form online with a completed status. The credit card terminal was disconnect and never used since. At the end of XX/XX/2023 a checking account which was attached to paysafe was audited and was discovered that paysafe made monthly unauthorized withdrawals since XX/XX/2023. The total unauthorized amount is {$990.00}. The merchant was contacted several times and replied as the account cancellation was not completed and no refund. We had to redo the account cancellation on XX/XX/2023 with a competed confirmation again. As of XX/XX/2023 paysafe refused to backdate and refund {$990.00}.
Consumer complaint received 2024-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (AL)

I previously submitted a complaint to the CFPB on XX/XX/year> and Zions Debt Holdings LLC replied on XX/XX/year> about the {$440.00} debt that they are wrongfully attempting to collect. 

I am asking for the validation of the debt as If the account has been sold to another creditor, that creditor must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to it. 

I have also never received any written notification about this debt and if they are saying that I have, I would like to receive a copy of my signature for the certified letters to confirm receipt, if this can not be produced, I ask that you please remove. Zions Debt Holding is also in violation of 15 U.S.C. 1681-1681x as they are knowingly reporting inaccurate and differing information onto my credit reports with XXXX. 

If this isn't removed immediately from my credit report, I will seek {$1000.00} for each violation.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Every email I receive from AMEX, at the close of the billing cycle, includes the statement balance. The XXXX email did not. I had only made XXXX purchase during that billing cycle which I did not recall, so I thought the lack of balance in the email meant I had no balance due. The email was actually a technical error on the part of AMEX since I did have a {$16.00} balance. This resulted on a late fee of {$16.00} being added to my balance. They refused to move the fee, stating I had a courtesy waiver previously, making me ineligible for another fee waiver.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

On the date of XX/XX/year> I opened a checking and saving account at Truist bank. The bank told me to wait the to debit card on the mail. But before I even get the card some else got the card and the bank activated the card for them. When I ask the bank they told me to get a police report and I did and they deind the claim. Now I can't open any bank account anywhere else. Please help me
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received notice of a lawsuit by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Bank of America. I filed an answer and met with XXXX XXXX XXXX ( partner in the law firm ) and explained that due to my medical conditions I had to take early Social Security and am receiving XXXX XXXX  monthly and barely making enough to survive. I explained that my income prior to me taking social security was over {$80000.00}. I offered to settle for {$2000.00} @ XXXX XXXX  monthly, XXXX XXXX denied the request stating Bank of America wants payment in full which he could break into 4 payments. I explained that my only income is Social Security and gave him a copy of my statement. I also explained that these are exempt funds and cant be attached. His reponse was my client wants a judgment. He said he would present a hardship to his client and the court gave us a return date of XX/XX/year>. The law firm file Motion for Summary Judgment and didnt respond back about the hardship presented to their client Bank of America .

I feel that this was deceptive and that both the law firm and Bank of America should be sanctioned by the CFPB. 
Thank you for your time and consideration
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 i'm now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-01-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

I received a notice in the mail dated XXXX  that Lowes/Synchrony Bank is going to start charging a {$1.00} month Paper Statement Fee to receive paper statements in the mail unless the balance is less than {$2.00}. 

This is absurd. Consumers should be entitled to paper copies of all disclosures and bills, including monthly statements, as would be done in any other financial transaction. This is clearly a money-grab in the hopes that people do not simply pitch the pages of disclosures and/or notice a small-dollar charge amongst the other monthly expenses. 

They also do not allow consumers to make this absurd, required change via the Lowes XXXXXXXX XXXX where all other financial and account transactions are handled. 

Perhaps if they were truly concerned about saving money on postage, they would only send me what is needed and required for the monthly statement, rather than including additional advertisements and unnecessary envelopes. They could also offer an incentive such as a XXXX XXXXmonth Electronic Statement Credit , if its that valuable. 

They are also increasing NSF fees from {$30.00} to {$41.00}.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

Aidvantage, has not allowed me to make a payment for the last XXXX   XXXX  - i have diligently paid my due amount and receive a confirmation XXXX stating a payment has been scheduled, just to find out XXXX  later the company has reversed the payment without explanation. I am making payments from the same and only account i've ever used for this payment XXXX XXXX XXXX, never had an issue with this until recently. 

I have tried to get ahold of them but each time i call, i am on hold for XXXX XXXX or more without anyone assisting me. It should not be this difficult to accept a payment from borrowers, or simply have enough customer service reps available. 

After a brief online search, it seems there are XXXX  others experiencing the same difficulties with this debt collector.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (NV)

The company refuses to say given name. Email XX/XX/2023 XXXX XXXX  I am being asked to pay a debt that my guardian the XXXX  government is assigned to pay by federal government. Email disregards title in given name under state XXXX XXXX, and federal government in, I, being, the XXXX ; of XXXX & XXXX than refuses to say given name in attempts to collect debt from XXXX XXXX  placed in hindrance from error to view an adjustment to initials by an authority from XXXX. to XXXX. where as revolutionary contribution to our nation is ignored while I being XXXX with bare arms established XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX live without a bank free of insubordination.
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Lost our house because Nationstar forced us to insure our home for XXXX ( only worth XXXX ) because it was over XXXX square feet. On top of that we are in a flood plain and had to purchase matching flood insurance. our payment went from a comfortable XXXX to almost XXXX per month. This was our home. We were proud of it and had to make a very difficult decision to walk away because after after 4 years of paying the high payment we were drowning and no one from Nationstar was willing to help. I 'm sad to drive by and see that the house has been sitting empty for almost three years. Would n't it have been wiser to work with us oon making it affordable. They tried to auction it off and could n't even get any buyers. It breaks my heart everyday cause our memories are there and we miss it. Now it just sits empty falling apart unsellable.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

My loans are paid to date and nothing is outstanding on my Aidvantage account, but the US Department of Education sent emails on XX/XX/23 and XX/XX/23 saying my loans are past due. The emails also suggest alternate loan repayment options which arent needed at this time. It appears Aidvantage isnt properly reporting my account balance to the US Dept of Ed.
Consumer complaint received 2023-06-19
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. (WI)

In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, status Account closed 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 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 2023-12-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Purchase Date : XX/XX/XXXX, Amount {$700.00} Expiration Date XX/XX/XXXXXXXX  No payments from ENTIRE PROMOTIONAL PERIOD WERE POSTED TO PROMOTIONAL PURCHASE and when I requested the payments from XX/XX/XXXX and XX/XX/XXXX be posted to the promotional purchase, they refused stating it was against the law and their policy and the full payments could only post to the promotional period 30 ( thirty ) days from the expiration date. This I setting up the consumer to pay the interest as none of the payments for an entire year are allocated to the promotional purchase, so the consumer has 30 days to come up with the full purchase amount!
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

XXXX years ago I took out a XXXX XXXX interest loan from Lowes to build a deck. The salesman told me about the promotion and I asked him how any outstanding balance at the end would be handled. He explained to me that I would pay whatever the current interest rate was at the time. So I took out the loan paid every month on time and figured whatever small balance was left I would handle it then not giving much thought because I knew it was going to be a relatively small amount. Yesterday I was reviewing an email that I received form Lowes about my remaining balance which was XXXX and saw they added a XXXX interest charge. I immediately contacted Lowes and spoke to numerous managers and explained that not only was this not how it was sold to me but that the amount of interest is absurd. After XXXX managers and XXXX minutes on the phone the final XXXX said the best she could do was reduce the interest charge by half leaving me responsible for the difference which was XXXX. I need your help because XXXX is crazy on a XXXX which had to pay off yesterday in order to get the reduction. To make matters worse they explained to me that I had XXXX day grace period that i missed by XXXX days even thought the product I purchased was a special ordered deck which came in the wrong size and color which caused me an additional XXXX day wait time for the correct deck meaning the store should have cancelled my first charge and restarted the clock when they re-ordered they the correct deck which I was never informed of but they admitted was their employees fault. The final comment they made to me was I should contact Synchroneity bank by letter and see what they could offer. Any help would be greatly appreciated as I believe this gouging at its most egregious case.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

Context : I had a different student loan server before covid and during the " Student loan pause '' it got switched to Ed Financial. 

My monthly payment is {$50.00} and within that, interest is about {$7.00}. I paid {$200.00} to get ahead and they took out {$83.00} in interest. I called to ask why and they could not give me an answer and I left the 40 minute call without a resolution. She agreed that the numbers did not add up but she said there was nothing she could do and could not provide a breakdown with real numbers. 

I also paid {$300.00} ( in addition to my monthly payment ) before i saw the breakdown and immediately called. I asked if she could cancel the payment until we figured this out and she said there was nothing she could do. The payment is still pending as I type this. I'm worried they will the the same to that payment. 

Lastly, the numbers on each of my 3 loans do not add up to the numbers in my FAFSA account. They are each elevated and she also said she could not do anything about it.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 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.