davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I tried to view my current interest rate for my credit card. I logged in to their online platform and tried to look up the interest rate and it can not be accessed. 

Usually, they provide interest rates on their statements, and their Help FAQ section tells customers to look at statements to find the rate. However, I have not had any recent transactions on this card, and without transactions, they do not provide statements. I can request to have a paper statement sent to me, but that could take up to 7-10 business days. 

I called the help line to confirm, and the representative not only confirmed this, but she said there would be nothing to send because Bank of America does give statements without recent activity. She also could not find the current interest rate for me to view on my portal and had to transfer me to a supervisor. 

I think this is criminal and not ok that consumers can not view their interest rates to know what they are going to be charged before deciding to use a credit card. Bank of America should give a statement each month, regardless of whether or not there are transactions, and they should give customers access to their interest rate information 24/7.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I have a Costco branded credit card from Citibank. 

They have twice in the past week sent me a letter, telling me I needed to take additional steps to complete the process of adding my card to XXXX XXXX. 

I never started the process of adding my card to XXXX XXXX. Nor will I ever, since The letter from Citibank says " If you didn't request this card to be added to XXXX XXXX, call us at XXXX. '' When I called, to alert Citibank that someone is apparently trying to fraudulently register my card with XXXX XXXX  ( because I've now gotten two notices ), I was told " On, just ignore the letter. We're just trying to get people to sign-up for XXXX XXXX. '' I'm a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I'm pretty sure this type of marketing is illegal. Can you please ask Citibank to stop this despicable marketing practice?
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (CA)

After a lengthy process, PHH agreed to remove escrow impounded account verbally towards the end of XX/XX/year> but a letter was issued that it will be effective XX/XX/year> XXXX payment was received for principle and interest total {$1400.00} with a bank statement showing an escrow deposit of {$1000.00} for XXXX escrow payment in a new account we set up in my name to be the new escrow account that is replacing the mortgage escrow account that has been approved for removal XXXX XXXX which was due at the time its payment was received has not been applied to XXXX principle or interest. Instead it was broken up and distributed as fees, expenses and principle curtailment and the rest put in an escrow account even though it will be closed in a few days Now they are demanding another payment duplicating XXXX already paid but also increased for the full escrowed amount of {$2400.00} which will bring the total funds demanded for XXXX {$3800.00} which exceeds the amount actual of {$1400.00} Added to this XXXX escrow payment of {$1000.00} has already been taken from payments even though they will refund it back after escrow closing The date of escrow closing of XX/XX/XXXX is for the purpose of their goal of extracting as much unreasonable fees and expenses as they can before giving up escrow impound which has been abused for years by never refunding any overpayments ever and this year the over payments would have been {$1500.00} therefore they are now attempting to extract as much funds from us while they can before they are forced to close that door of opportunity for exploitation Loan to property value is $ XXXX {>= $1,000,000} According to pillow and according to county tax accessors assessment is $ XXXX {$720000.00} Which is triple and double the loan value which in CA regulations state that phh should not have been forcing escrow impound to begin with meaning their demands for overpayment of monthly payments have been incorrect for years and the fact they approved in writing the removal of escrow should not allow applied payments to be credited to anything other that principle and interest first priority then any fees
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DP OF EDUC XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I put my settlement check into my account on the 31st. Try to use my funds the next day because they are available and it was a legit check for my legit accident and ever since I put this check in my account I have problems with Citibank. they have locked up my account even after the check was cleared. Ive been told multiple things I even went to Citibank today and they told me everything was fine to wait a few more days by the time I got home I had no reasoning and I have a lot of money in the account which is my money
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My complaint is against Experian. On my credit report XX/XX/year>, it states " You have XXXX Open Accounts Total balance : {$7800.00} ''. My actual open account balance according to them and my report is {$80.00} and I only have XXXX open account. I filed XXXX complaints with them and when they responded they said they were including all of my accounts including the closed ones in my Open Account balance. According to the Fair Credit Reporting Act they are not allowed to report incorrect information which Experian says this is. They are double penalizing me by reporting my Open Account balance is {$7800.00} when it is only {$80.00}. I am trying to get a mortgage and this is damaging me in the process of obtaining credit because it is skewing my Debt to Income ratio. I have gone back and forth with Experian via email and they are refusing to correct it even though they have acknowledged it via email. What are my options to escalate this matter? Experian Complaint # XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I hired XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to handle debt renegotiation. XXXX completed the settlement with Synchrony Bank as described in the attached document. I funded the escrow account to pay Synchrony as planned. The account and debt were fully settled as of XX/XX/2022. Despite the completion of the settlement, the settled amount is not reflected correctly on my credit reports with XXXX, XXXX, and XXXX. This failure to update is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers to report accurate information. Additionally, 15 U.S.C. 1681i ( a ) obligates consumer reporting agencies to reinvestigate disputed information.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (OH)

On XX/XX/XXXX, I had the proceeds of a real estate sale wired to my Marcus savings account before transferring the money to XXXX. On XX/XX/XXXX, XXXX reversed the XXXX transfer without notice. When I contacted them by phone later that day, I was told that the money would be frozen in the savings account for an extended period, supposedly as a security measure, despite me verifying my identity. They were vague and refused to specify when I could access the funds. The only way to access the funds, they said, was to close the account and wire the full account balance to a different bank ( that process is ongoing ). This is a sketchy practice that seems like a money grab disguised as a security measure.
Consumer complaint received 2023-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX XXXX, I decided to check my Transunion credit file and noticed that their was a company listed : Company Name : XXXX XXXX XXXX XXXX. 
Account # : XXXX On XXXX XXXX XXXX I mailed out a certified letter to Transunion informing them that I have noticed inaccuracies in there reporting on me. I requested that Transunion investigate and verify the accuracy of this account from " XXXX XXXX XXXX XXXX ''. On XX/XX/, I received a letter from Transunion stating that they have investigated this unknown " XXXX XXXX XXXX XXXX '' account and verified that it was accurate along with a copy of my credit report. On XXXX XXXX XXXX, I mailed out another certified letter informing Transunion that the reporting of this item is extremely important to me and the description of the procedure used to determine the accuracy and completeness of the information is requested. I gave Transunion XXXX  days to provide me with the name, address, and telephone number of each person contacted regarding this alleged account. I also requested a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay " XXXX XXXX XXXX XXXX '' the exact amount claimed. On XXXX XXXX XXXX  I received a letter from Transunion claiming that they have completed the investigation, and the disputed information was verified as accurate along with a copy of my credit report. On XXXX XXXX XXXX I mailed out another certified letter to Transunion informing them that they have failed to provide me with a document bearing my signed signature, the description of the procedure used to determine the accuracy and completeness of the information, and the name, address, and telephone number of each person contacted regarding this alleged account. I also informed Transunion that they have also violated 15 US CODE 1681e ( b ) by not providing me with MAXIMUM ACCURACY. I also informed Transunion that they have also violated federal law and 15 US CODE 1681i ( 7 ) '', by not properly investigating within the 15-day timeframe. I also I demanded that they remove this XXXX XXXX XXXX XXXX account immediately. On XXXX XXXX XXXX I received another letter from Transunion claiming that they have investigated and the account was verified as accurate along with a copy of my credit report. Transunion continues to send me the same information over and over again, and none of it contains what I have requested. This issue has caused me denials, distress, money, and time.
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

At some point in the past year, my student loans were transferred from Great Lakes to Nelnet. I graduated with my XXXX in XXXX but my last active attendance date was XX/XX/XXXX. I set up autopay on the Nelnet site in XXXX when my XXXX student loan payments resumed and XXXX student loan payments started. The initial payment occurred XX/XX/XXXX as an autopay. I switched repayment plans and my next payment was in XXXX XXXX covering XXXX 's payment on the new plan as well as XXXX 's. From that point, the monthly payment was supposed to be around {$260.00} that varies a little based on month length and maybe interest rates, or maybe loan reductions by the Biden administration. 

For reasons I can't figure out, starting in XX/XX/XXXX Nelnet has split my autopay due date into a XXXX dollar payment for XXXX student loans and a repayment of the grad school loan payments into a different due date. I think it might be associated with Nelnet getting folded into studentaid.gov. Unfortunately, autopay knows to XXXX  out my balance on the XXXX XXXX due date but it is taking the full XXXX payment on the grad school loan payments which should be around XXXX. My best guess is your backend dev pulled the payment values from a database instead of the function defining the values when the studentaid.gov change happened. Or I had to manually set the autopay value when I set it up which is terrible system design. In either case, there is no way I'm the only person this has happened to. 

My complaint though is that I can't edit my autopay electronically to stop them automatically overcharging my account. The only option they provide is to increase my payment amount. Additionally, the option to contact them electronically is not listed on their contact us page. Instead it is in a hard to find place on your personal dashboard page.
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

We are trying to refinance our house. Fifth third will not release the escrow. We sent an email to them on XXXX XXXX. XXXX XXXX of XXXX  XXXX  is refinancing for us. His number is ( XXXX ) XXXX.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (MO)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

My account is restricted and there is no way to get my money out of the account. There is nobody to speak with to fix the problem. The only people who I can reach is a call center based in XXXX and they don't have the power to do anything.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

The lender LVNV funding attempted to sue me on behalf of XXXX XXXX XXXX. I won a take nothing judgement. The items went off my credit report and back on with the original creditor being XXXX XXXX XXXX I called XXXX XXXXXXXX and they advised they don't use LVNV funding as their collection company so they are incorrectly reporting this on my credit to negatively impact
Consumer complaint received 2024-06-06
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: JPMORGAN CHASE & CO. (NY)

Purchase item online through XXXX. Item was misdelivered. I provided financial instruction ( chase ) with documentation from USPS detailing misdelivery however they refuse to assist me or refund me.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (FL)

Serval Companies has placed hard inquiries on my credit from XX/XX/XXXX until XX/XX/XXXX it has cause a huge impact towards my XXXX XXXX and I want to have those hard inquiries removed
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AR)

Us Bank is closing a credit card account ending in XXXX that was a secured card opened in XX/XX/XXXX, the employee pressured me to sign up for a XXXX XXXX  secured card to reach sales goals with no intention of extending credit after the 12 month maturity date of XX/XX/XXXX instead a notice was sent ( see attachment ) on XXXX a account review letter stating for no reason they were closing the account at their election, this card has been paid on time for 10 consecutive months with excellent utilization activity according to all 3 major credit reporting agencies, i did not want this account but i was sold a product that did not meet my needs for sales goals set by this bank of products that never benefitted the customer, i was sold the fact that an extention of credit would be issued for 12 on time payments i have 10 and now they cut my line of credit when the sales quota was met, i have been violated by this bank and want justice for this institution exploiting my credit and using pressure tactics to promote company products and using them to redline customers of credit opportunities with fraudulent account closures
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED BANKSHARES, INC. (WV)

This account is not mine!! Never opened it!! And I really need it off my credit! I am desperately trying to improve my score to get car in which I havent had a car since XX/XX/year>! And XXXX XXXXXXXX XXXX with no way out!! Especially my doctors appointments and washing laundry!! I am XXXX XXXX XXXX XXXX XXXX  and dont need derogatory credit on my credit! Also I sold the car from United bank XXXX XXXX XXXX United bank in XX/XX/year> and frustrated because it still says 30 days late and should not say that!!! I have proof it paid in full in XX/XX/year> from United bank XXXX
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC (NV)

I have asked several Times during the course of the loan before repossession during covid for a break down that showed the payments and how much was going to interest verses principle as the balance didnt seem to work out. I was told they only had to provide the information in my website portal and that was just a balance that dropped with no breakdown. After repossession during COVID even though I filed as having difficulty due to covid I asked several times for the original contract and a breakdown of the payments and what I owe. I have never received anything
Consumer complaint received 2024-07-01
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. (NJ)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX P XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!