davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC. (FL)

I refinanced all of my student loans thru XXXX and the loan funded on XX/XX/XXXX. They still have not made payment of XXXX to the servicer XXXX where my loans continue to accrue interest. XXXX has placed my current loan on XXXX  % interest for the time being until the payoff is made but they have provided no accounting for when and if that payoff will be made. XXXX, the servicer of my XXXX loan has been less than helpful. I have called them over XXXX times over the last XXXX weeks to resolve this situation and its now XX/XX/XXXX. They still haven't provided me with any sort of timeline as to when my XXXX loans will be paid off so I am trying to get some answers. XXXX has always referred me to XXXX for any questions and when I talk to XXXX they tell me that XXXX accidentally sent the payment to the wrong address for XXXX of over {$42000.00}. They told me over XXXX business days ago on a recorded line that the error would be addressed within XXXX business days. I am trying to get my XXXX loans paid off so I can finish this refinance that should have been done XXXX business days after XX/XX/XXXX. Please help me. Also they tried multiple times to place interest bearing forebearances on my account without my permission. I can provide ID numbers for most of the agents I spoke to at XXXX if need be as well.
Consumer complaint received 2024-08-02
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: BARCLAYS BANK DELAWARE (IL)

I opened a credit card at an Old Navy store. I was enrolled in paperless billing without my consent. I never received a bill or an email notifying me that I had a bill due in XX/XX/year>. I was notified by a decrease in my credit score and still never received notification of the money I owed. I immediately paid the small balance on my Barclays credit card. I was never instructed how to pay my bill. I had a XXXX  in between this time and wrote letters and filed disputes explaining this and was told no and the late payment history of 90 days remains on my card. Every time I call Barclays I am belittle and treated terrible by the employees. Do not open a Barclays credit card.
Consumer complaint received 2024-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc. (IN)

I requested a payoff on this loan. The payoff received shows a negative escrow balance, however this loan has escrow only to cover a fix-cost PMI insurance premium that has not changed in the life of the loan. The negative escrow balance is due to the bank deducting the PMI premium twice in 2023 as is shown in the loan activity. I have been trying for over 3 weeks to get this loan paid off, while still drawing more interest due to the lack of response from the bank to get this issue resolved. I have called twice and sent at least 3 messages and requests through their online dashboard. I need the escrow fixed immediately so I can get this loan paid off and not incur any additional interest charges since I wanted to pay this loan off nearly a month ago.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please see my attached credit report and update the account you are reporting a late payment for in XX/XX/2021. This medical account was deferred due to a natural disaster which is noted in the comment section so I am confused as to why you are reporting this as late. I reached out to the creditor and they confirmed that the account should not be reporting late and that no one from XXXX reached out to do an investigation. I am demanding that this late payment is removed within 15 days. Please see my ID and credit report attached.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (LA)

On XXXX XXXX, 2023 I went to the XXXX, the hospital filed a claim and was paid yet the doctors failed to file at all and turned it over the the collection agency United Collection Bureau , INC . I have informed them on at lest XXXX phone conversations and one 3 way phone call with my insurance company XXXX XXXX on how to file the claim. They keep saying that the were not able to pull me up. I have sent a certified letter with the information and yet still get the same answer " we couldnt pull you up ''. I am fully insured and no other companies have this problem, they keep wanting my social and my spouse 's social and we have given them and informed them like my insurance agent did over the phone that it has to be filed with the policy/benefit number. My agent informed them as well as I that if they have filing questions to give them a call but they have never called. I honestly believe they are trying to not file in order to try to get me to pay the entire amount instead of the insurance accepted amount that was agreed when I went to the XXXX.
Consumer complaint received 2024-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I rented a car in XXXX using my Capital One credit card. Upon completion of the rental, the company ( XXXX XXXX ) charged my card an unexpected amount in USD ( XXXX XXXX XXXX, {$950.00} ) instead of the expected amount in Euros. They did this without my consent although they are required to ask the consumer which currency they want to pay in. I made numerous attempts to have XXXX correct the issue but they have refused to admit that I was charged incorrectly. I filed a dispute with Capital One since the rental company would not help me. Capital One also refused to help me claiming the reason they can't help is because the amount on the invoice matches the amount on my credit card statement. This is true however the invoice says " customer was given a choice which currency to pay in '' which is NOT true. I have explained that the issue is that the associate did NOT ask me which currency to pay in and so they charged me the {$950.00} without my consent, taking what amounted to an additional {$53.00} in conversion commission fees. ( This amount of {$53.00} comes from verifying Capital One 's Visa currency conversion rate which shows me what the rental would have cost if the company had charged me in Euros as I had expected ). Capital One refused to take any action to help me with this issue. They state they must follow the rules of Visa which will not let them help with this. I asked if they have any other means to help me with this issue but they denied having any other way to help me.
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OH)

I RECENTLY SUBMITTED A DISPUTE THROUGH THE CFPB ABOUT SANTANDER CONSUMERS INTENTIONAL PREDATORY LENDING AND INTENTIONAL FRAUDULENT REPORTING OF FALSE INFORMATION OIN MY CONSUMER CREDIT REPORT. I RECENTLY FILE A CFPB COMPLAINT AGAINST SANTANDER CONSUMER FOR REFUSING TO SEND THE REQUESTED DOCUMENTS IN ORDER TO VALIDATE THIS ACCOUNT. IN THERE RESPONSE TO TO MY CFPB COMPLAINT THEY SUBMITTED A FRAUDULENT CREDIT APPLICATION THAT I HAVE NEVER SEEN OR SIGNED THAT HAD A FRAUDULENT SIGNATURE. FRAUDULENT EMPLOYMENT INFORMATION AND XXXX SEPARATE DOCUMENT WITH XXXX COMPLETELY DIFFERENT ACCOUNT NUMBERS COMMITTING CLEAR FRAUD!!!!! THIS ACCOUNT WAS OPENED AT THE TIME OF THEIR PREDATORY LENDING LAWSUIT AND IM A CLEAR VICTOM THE PROOF IS IN THE DOCUMENTS SANTANDER CONSUMERS RESPONSE TO MY PREVIOUS CFPB COMPLAINT FILED THIS YEAR..I HAVE SUFFERED PERSONAL DAMAGES AS A RESULT OF THESE FALSE CREDIT REPORTING TOTALING {$200000.00}
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 wire transfer Fraud amount of {$37000.00} was canceled by me due to XXXX XXXX scam, but Bank of America was unable to cancel the wire transfer. I contacted the fraud department and spend 2 hours explaining my scam on the phone to Bank of America Scam department. on XX/XX/XXXX XXXX, I received an email from Bank of America fraud department to sign and return the enclosed Scam Victim Acknowledgment to help me recover my fund. Bank of America fraud department created a claim # XXXX. The scammer account was in XXXX XXXX XXXX XXXX, so I traveled to XXXX and I went to XXXX XXXX XXXX XXXX, and met with Branch Manager XXXX XXXX XXXX ph # XXXX ( XXXX ) XXXX XXXX XXXX and mobile # XXXX ( XXXX ) XXXX XXXX XXXX, Email " XXXX, according to the Branch manager , XXXX XXXX XXXX XXXX  sent communication in regard to this scam to Bank of America and I need to check with Bank of America the status of the wire transfer scam. I contacted Bank of America to figure out the status, I was told by Bank of America representative that there is a new case # for my fraud which is " XXXX has been assigned to this case and I should call this PH # XXXX Option 2, 2, 2 and give them the new case # to find the status of the wire transfer fraud. I contacted Bank of America and they were unable to get in touch with Fraud department and kept getting the run around, check with other department. Finally XXXX XXXX Bank of America " Financial Center Manager '' told me that she sent the following message to help resolve the case : Text Message : Client was a victim of scam. requesting return of wire. client traveled to XXXX and met with branch manager of XXXX XXXX XXXX XXXX XXXX . Recipient is not legitimately entitled to these funds. Confirmed fraud with a claim in progress through Bank of America. Claim # XXXX & XXXX. 

So far Bank of America is keep giving me the run around and most of the time they don't answer the phone and they are not able to retrieve the case itself. in conclusion, Bank of America Fraud Department has the worst communication and every department push you to other department and no one try to help old people getting scammed on line. Bank of America refuses to answer their phone numbers provided on the client debit and credit card and pushes clients to use online services and they help scammers abuse online services and ruin people life.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citibank closed my account with no explanation and said they will mail my money. It's been almost 4 years and they give me the run around and still haven't received my money close to XXXX XXXX
Consumer complaint received 2023-07-12
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: CITIBANK, N.A. (OH)

On XX/XX/2022, I opened a Citibank " Miles and More '' savings account with an opening offer of XXXX XXXX XXXX Miles as well as an ongoing 25 % bonus on miles earned on a linked Citibank/XXXX  XXXX XXXX XXXX XXXX XXXX , with deposits of over {$10000.00} maintained for at least 90 days. I deposited {$10000.00} into the account on this date to open the account and meet the terms of the promotional incentive associated with the account. 

On XX/XX/2022, the XXXX miles were credited to my XXXX XXXX AAdvantage account, but nothing was adjusted on the earning rate of the linked credit card. I contacted Citi who opened a ticket to investigate the issue, and after several weeks and reminder received a note that the case was closed as the XXXX miles were credited. I reached out again to clarify that this was not the issue, it was the 25 % bonus, for which they agreed I had met the qualifying criteria, that was the issue. Another ticket was filed and nothing happened. I called again and was passed through 5 different departments ( each one saying this was another part of the bank that was responsible ; I started with the XXXX XXXX, who said it was a credit card issued and transferred me to the Credit Card Issuing services ; they said it was the bank accounts and transferred me back; same answer and back to the credit card company who then transferred me to XXXX XXXX, who of course could not help as they said it was entirely a Citibank issues ). 

There was a clear lack of understanding of the issues as well as how to deal with this at the offshore Customer Service centers operated by the Bank. Opening a ticket was the only thing that could be effectively handled, apart perhaps from transferring me to someone else. 

I next tried the online chat tool on the website ; after eventually getting past the chatbot that could not help, I again was passed from party to party after maintaining a chat for over 1.5 hours. At this point I feel that this is a bait and switch offer from the bank, promising rewards in order to obtain deposits and then not delivering on the offer, either through ineptitude in their structure and customer support functions or by design, not sure I can tell which. Please let me resolve this matter that the bank clearly does not want to. 

Regards, XXXX XXXX
Consumer complaint received 2024-02-28
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: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank concerning their lack of action in reopening an investigation regarding a chargeback. Despite repeated attempts on my part to resolve the matter, Synchrony Bank has neither reopened the investigation nor attempted to reach out to me for further clarification. 

Details of the Incident : Transaction Information : Date of Transaction : XX/XX/year> Transaction Amount : {$750.00} Merchant : Amazon Issue Overview : I initiated a chargeback with Synchrony Bank after returning items in the amount of {$110.00} and {$89.00} which where XXXX XXXX  to Amazon. Despite providing all necessary documentation and proof of return, Synchrony Bank has failed to conduct a proper investigation into the chargeback.

I have made multiple attempts to contact Synchrony Bank through their customer service channels, but I have not received any meaningful response or assistance.

Given the seriousness of this matter and its implications for consumer rights and financial well-being, I urge you to intervene on my behalf. I seek your assistance in ensuring that Synchrony Bank reopens the investigation promptly and conducts a thorough review of the chargeback. 

A complaint was submitted in XXXX which the company closed with no resolution. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts to uphold consumer protections.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

Someone opened a XXXX credit card through Comenity Capital Bank in my name and charged XXXX dollars. I had no knowledge of this. They never sent me a card or any correspondence that I made this purchase. Meanwhile it was reported to the credit reporting companies which affected my credit score. I only found this out 6 months later. I called Comenity Bank to tell them these were fraudulent purchases. They said they would investigate. Im very upset I never got any mail about this. I got cold calls from Comenity over the past few months which I thought were spam calls so didnt respond. No mail whatsoever. This is no way to do business and I dont trust they will remedy this and take the charges off and take it off my credit reports.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXXXXXX  that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (MO)

I have a loan the American Credit Acceptance. They charged me a considerable interest rate on top of my loan. Now I cant trade the car in because the interest rate is tacked on to my car loan. Nobody will get me out the loan. Im a XXXX veteran who is on a fixed income who needs a bigger car due to my child living with me.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (NV)

This company has been sending statements to my address for over 6 years for XXXX XXXX XXXX. I have called them and written to them multiple times asking them to stop. It has been over 6 years and they continue to send them to my address.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

GoodYear account was opened with identity theft. Fraud alert and credit freeze was placed on XXXX, XXXX and XXXX. I tried to call the number on the credit that came in the mail and I am not able to speak to anyone in English. The phone number XXXX will ONLY connect to XXXX  speaking and when asked to be transferred to Fraud Department and speak to someone in English the call is disconnected on multiple occasions. 

I received a letter in the mail on XX/XX/2023 from the Citibank Early Warning XXXX XXXX XXXX XXXX XXXX, SD XXXX regarding Re : Application Number XXXX with a phone number for the Fraud Verification Unit XXXX when I called there again very broken English and the woman refused to transfer me to upper management and/or someone else so that I resolve this. She refused to provide her ID number in order for me to cancel the credit card and for me to report that it was a fraudulent account. The woman only gave me a first name XXXX. She demanded my personal information and social security information that I refused to give her in order to cancel the card. The card was NOT opened by me and there is a XXXXXXXX XXXX limit on it.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Filed with the Consumer Financial Protection Bureau Dated : XXXX XXXX XXXX I submitted a dispute on XXXX XXXX XXXX with TransUnion on three accounts listed on my credit report, they are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***NOTE : All three accounts are currently under the control of XXXX  XXXX XXXX XXXX all three disputes are listed under the same case number : XXXX As of XX/XX/2024, TransUnion had not responded to my dispute and it remained pending until after XXXX XXXX XXXX ( 74 days ), well beyond the allotted time frame permitted according to the ( FCRA ) Law. Sometime between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the pending status of my dispute was removed, no response was given me regarding my dispute. Said accounts are still being reported, unchanged. 
My understanding of the Fair Credit Reporting Act as it clearly states that if the reporting agency can not report results of their investigation on a consumer disputed account information within the 30-day period ( time limit allotted by the FCRA ), the information must be removed from my report. TransUnion has failed to remove disputed information despite not having confirmed the results within the allotted time permitted by law. I sent TransUnion a registered letter on XXXX XXXX XXXX ( received by TransUnion on XXXX XXXX XXXX, as indicated my XXXX card proof of delivery ). Whereby I informed TransUnion that since they failed to provide results on my dispute within the allotted time in accordance with the law, they are obligated to remove said reported information from my report. Here we are XXXX XXXX XXXX, and nothing has been updated, as creditor information is still being reported unchanged.

I have screen shots of the status of dispute still pending as of XXXX XXXX XXXX ( 74 days after filing dispute ), copy of my letter, as well as proof of delivery of receipt of said registered mail on XXXX XXXX XXXX. In addition to a screen shot of the three accounts in question. There is little more I can do to make TransUnion budge on their dereliction of their obligations under the law ( FCRA ) short of retaining an Attorney and filing suit in federal court. 


It would be greatly appreciated if you could act on my behalf in getting TransUnion in complying with the law as it regards this issue.
Consumer complaint received 2024-08-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates (IA)

LJ Ross & Associates called me on XX/XX/24 at XXXX CST. I answered the phone and there was no one on the line because they were using an automated dialer. I repeatedly said " hello '' with no response then their system hang up on me. The system did not identify who they were or in any way speak or make any noises. 

I called back to determine it was LK Ross & Associates. I tried to rectify the issue of them calling me without a collector available using an auto dialer. However, upon speaking to a supervisor he told me to just go the route of filing a complaint... so here it is. 

I believe this is a violation of my rights under the FDCPA and the TCPA. 

Best regards, XXXX XXXX
Consumer complaint received 2022-11-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Name : 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 an account without my written instructions