davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC (PA)

On XX/XX/XXXX, I opened a financing loan with Roadrunner Finance for {$11000.00} at an APR of 18 %. Although this was a high APR, I accepted the loan with the intent to make {$100.00} principal payments each month through the company portal. 

In XX/XX/XXXX, I discovered that the feature to make principal payments had been removed. When I called the company, I was informed that the only way to continue making principal payments was to send a check or money order. Although I found this odd and was displeased, I proceeded with this new plan. It took me XXXX months to get back on track, only to discover that sending in a check labeled " principal payment '' was ineffective. I was told that since the payment was received 13 days after my monthly due date, my account accrued daily interest at a rate of {$5.00} per day, and therefore, the payment was applied entirely to interest. 

This is the second time I have filed a complaint with them, and I have been given no solution from the company. Learning this fact reveals that the company aims to put customers at a disadvantage, even if they are knowledgeable enough to understand that principal payments help minimize high interest costs. I would like to report this company and file a formal complaint.
Consumer complaint received 2024-06-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX I made a complaint through this website requesting my {$2400.00} prepaid digital amex giftcard balance be sent to me. Amex responded with a letter stating I would receive the refund check in 3-5 days. I never received the check. I called them on XX/XX/XXXX and they said the letter is wrong I have to wait 3 weeks. I called back in three weeks and they said it was sent and delivered. I said thats bull and to provide me with the tracking number and they declined. Now for the past three months I have called them weekly and its always a new excuse and I have to explain the situation all over again. They keep saying to give them 48 hours. Twice they have lied and said they sent checks but are unable to provide tracking numbers. They have told me it was delivered and I said no it has not I have informed delivery all my mail is emailed to me ahead of time and you have sent nothing. I am so tired of calling them and the process starting all over again. I have had to wait four different times for supervisors to call me and they have done nothing. I feel like this is never going to get resolved and I am so tired of being patient and taken advantage of. I want my money I need my money. Times are tough. I am on hold with them right now XX/XX/year> and they are starting the process all over saying I need to wait 24 hours. I cant believe this is how XXXX XXXX  companies treat people. I just got off the phone with them again and more excuses. They said I have to wait 48 more business hours after callinfg last thursday and them telling me 48 more business hours after calling the previous tuesday and them saying 48 more business hours. I am so tired of this. This should be illegal.
Consumer complaint received 2024-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

On XX/XX/year> I emailed Firstmark Services ( serviced through Nelnet ) and request a Discharge Application for my private loans based on school misconduct. Firstmark responded back stating that my loan program does not offer discharge due to school misconduct and did not send the requested information.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (PR)

This complaint is related to the company Merchants Credit Guide whose website is at https : //merchantscreditguide.com/. 

Recently, I was notified that an unpaid debt had been added to my credit report from an XXXX XXXX visit I made in 2020. When I spoke with the representative on the phone I discovered that they had the wrong address on file and had failed to notify me of the debt. 

As a result my credit score has been impacted days before I was planning on purchasing a home causing me significant financial harm.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-06-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX opened up a new CD online with Marcus Bank and funded from a Savings a/c also from Marcus. I then called to have this new CD made Joint Tenet as I have done in the past 18 months. The Customer Service Rep informed me that the joint tenet must be added at the time it is opened up. I told her that I was not prompted or saw any info regarding this new procedure which she said had just started. The rep tried to add the joint tenet as was unable. Then she told me to go back online and open up a new one. 
She walked me through it and I could not open it with a joint tenant. This one was not funded. 
The rep then opened a third CD on her end and added the joint tenet. She then asked me to fund it. I tried to fund it and was unable so she was able to fund it from my savings. 
However, when complete there was NO JOINT TENENT added. I told her to put my funds back to my savings account. She saids she would have to open up a special ticket so NO Penalties will hit your account. She said within 48 hours it would be rectified that there was some kind of glitch and a supervisor would contact me on XX/XX/XXXX. On XX/XX/XXXX at XXXX I called into Marcus the Customer Service Rep said he can add the Joint Tenant to the account. 
He was unable to add the information. Supervisor came on phone said my funds would hit the account on the XX/XX/XXXX. No funds have been retuned to my account. XXXX In the afternoon phone rings from an XXXX number no caller ID. I answered and it was Goldman Sachs on a recorded line. Supervisor returning my call from XX/XX/XXXX saying sorry for the confusion and your funds will be back in your account on XX/XX/XXXX. Everyone telling me this and to no avail. Just lip service. 
Either XX/XX/XXXX or XXXX I called got another Customer Service Rep and asked for a Supervisor. She read the log and said my funds would be back in my account on Saturday XX/XX/XXXX. As of this date XX/XX/XXXX NO FUNDS in my account. Called today Customer Service Rep got me a Supervisor who said they have no idea when the funds will be back. She opened up a new ticket for some internal department to handle this within on to three days. Asked for Corporate phone and email and was denied. 
Also, I asked for an email stating when my funds would be retuned and was told they are unable to do that.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

On XX/XX/24 | wanted to purchase a pair of shoes at Macy 's. The cashier asked me if I wanted to use my Macy 's card. I said I didn't have one. She asked me did I want to sign up for one, I said I don't want a credit card. She said it's not a credit card. I said as long as it's not a credit card, then sure. 
She pressed some keys on the keypad in front of me and then enters my ID information. She asked me to enter other information such as my DOB and SSN. I asked if she was certain this was not a credit card. This is a lot of information for a rewards card. She said it's not a credit card, it's a Macy 's card. I said it's not a credit card. She said no. She had me sign and I saw American Express on the screen. I said I do not want a credit card. The screen says American Express. She said, it just has it there for the people that are applying for a credit card. She then had me prove my information was correct and hit enter. She told me she needed to call customer service. I didnt understand why you would need to call customer service for a rewards card. I asked again if it was a credit card application and she said yes a charge card. I then asked to speak to her manager. The manager took me to the office where her associate XXXX helped clear up the mess. She had customer service cancel the application and reverse the hard credit inquiry.
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (NY)

I had this account with this company they call me harass and they keep pointing on my credit no matter how much I dispute it I need you to stop using my information and delete my credit, I also ordered them to send a confirmation that I sign something with them and I do not receive a response they bought my information breaking my rights they are charging me {$1000.00} CREDIT COLLECTION SERVIC
Consumer complaint received 2024-06-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (FL)

I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program The Department of Veterans Affairs informed me that its Veterans Affairs Servicing Purchase ( VASP ) program was released on XX/XX/2024. The Veterans Affairs Servicing Purchase ( VASP ) program would allow me to refinance my home with a substantially lower interest rate and be able to stay in my home and avoid homelessness. On XX/XX/2024, I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program and Veterans United/ Mr. Cooper informed me that the program wouldnt be available until XX/XX/2024. On XX/XX/2024, Veterans United/ Mr. Cooper XXXX called me and said that the VASP program would not be available to request until XX/XX/2024. They seem to be purposefully stalling my request for assistance from the VA guaranteed home loan benefits by kicking the can down the road and plan to foreclose on my home loan thereby ensuring that XXXX be homeless. On XX/XX/2024, I rejected the loan modification offer from Veterans United Home Loans/ Mr. Cooper Loans because it increased my interest rate to XXXX  % with an increased payment to {$4100.00} per month. Also, I informed the VA loan specialist about this loan modification. In my original mortgage loan, I was paying {$3500.00} per month with an interest rate of only 5.5 %. Veterans United Home Loans / Mr. Cooper claims that theyre trying to help me; but it appears that they do not want to refinance the loan to a helpful and reasonable interest rate and monthly payment. More over, it appears Veterans United Home Loans / Mr. Cooper just wants to take my home and not provide me the beneficial opportunity to refinance at a reasonably helpful interest rate and monthly payment. And, Veterans United Home Loans/ Mr. Cooper does not want to refer me to the VAs VASP initiative so that I could get a greatly less interest rate with a lot lower monthly mortgage payment.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I made a wire transfer from my Chase checking account to XXXX XXXX. XXXX XXXX  called me to tell me the wire was fraudlent. XXXX XXXX  asked that Chase Bank send a Hold Harmless Indemnification Agreement from Chase. When I call Chase they say they sent it to XXXX XXXX  and XXXX XXXX  never received it. Chase tells me I have to wait 30-90 days for a resolution. The wire was sent XX/XX/year>. If XXXX XXXX  didn't get the agreement why are waiting 90 days so this can be prolonged even further.
Consumer complaint received 2024-06-24
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: CL Holdings LLC (AL)

I XXXX XXXX am notifying you that I dispute this ALLEGED debt pursuant to 15 USC 1692g. Im reaching out to make a formal complaint on the listed company. I received a notice on my credit report that my credit was decreased due to a company that Ive never heard of being added to my credit without any formal notice from this company. I reached out to the company for an original purchase agreement along with itemized statements and wasnt given one by the representative. I request the company provide me validation of this ALLEGED debt. I never gave consent to the listed company to of having my personal and private information. This constitutes aggravated identity theft. I also did not consent to this listed company reporting my personal information in my name to consumer reporting agencies.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CO)

Complaint : Citibank still withholds my {$10000.00} deposit On XX/XX/year>, when I traveled to New York, I opened a premium account with a deposit of {$30000.00} at a Citibank branch in New York for the high interest rate. And I transferred my {$10000.00} retirement savings in XXXX XXXX  to this newly opened account at Citibank through XXXX from the same name account. 
After I returned to Colorado after my trip, the Citibank security team closed my account, but they did not explain any reason throughout the process. 

It has been more than two months since Citibank closed my account on XX/XX/year>. But they have been withholding my {$10000.00} until now, but they are going to pay me {$0.00} of interest on the principal of {$10000.00}! 

They have been making things difficult for me : Since you suspect that my {$10000.00} principal is illegal, why do you want to remit me {$0.00} of interest on {$10000.00}? Assuming that the principal of {$10000.00} is illegal, then my interest of {$0.00} should also be illegal, which is incredible! Can I think that this is obviously Citibank 's retaliation against me because they are dissatisfied with my first complaint? 

This {$10000.00} remittance is my retirement fund, which I remitted through XXXX from an account with the same name. XXXX only executed my remittance instructions, and I was the one who initiated the remittance. Therefore, XXXX has claimed that it has no obligation and refused to issue a waiver of liability for me, but Citibank has made it difficult for me by requiring a waiver of liability. 

In fact, although I have sent my XXXXXXXX XXXX XXXX  monthly statement to the security team, they did not return my deposit according to the XXXX day processing terms two months after closing my account, and they are still withholding the {$10000.00} deposit.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following inaccurate information on my credit report due to identity theft. According to 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving the dispute. It has been 30 days since I initially reported this issue, and you are now in violation of this law. 

Please delete the following accounts immediately as they should not be reported on my consumer report : XXXX, XXXX, XXXX Accounts WELLS FARGO AUTO Account XXXX Date open : XX/XX/XXXX ( please remove immediately ) XXXX XXXXXXXX Account number XXXX Date opened : XX/XX/XXXX ( Please remove immediately ) Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer. 

As a consumer, I am demanding the immediate deletion of the accounts listed above. 

Please send me a confirmation of receipt of this letter and notification of the outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX