davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (FL)

Ascend, an online lender provides single-payment and installment loans. They believe that by making payments on time and borrowing again, borrowers can gain advantages. However, I recently discovered that the {$800.00} loan I took out with Ascend Loans carried an astronomical interest rate of 700 %, far exceeding the legal APR limit of 18 % in my state. Despite making XXXX payments of {$210.00} each, totaling {$1300.00}, I found myself exceeding the original loan amount in just two months. 

What's more, Ascend has made it incredibly difficult for me to access my loan details, including repayment options and my balance. Their account services show no active account for me, and when I try to register my email, I am only prompted to apply for a new loan, rather than view my existing one. This loan becomes not only immoral and predatory but also completely illegal due to the deceptive practice and Ascend 's excessively high-interest rate, which surpasses the legal limit by almost 20 times.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (IL)

This complaint is based on incomplete information regarding my loans. 

I received a letter from Discover Student Loans dated XX/XX/XXXX ( see attachment ) which indicated I was being compensated because Discover Student Loans was taking action in accordance with the terms of a consent order issued in XXXX by the Consumer Financial Protection Bureau ( CFPB ). Discover Student Loans indicated they could not confirm authorization was obtained for one or more payments withdrawn or attempted to be withdrawn from my bank account. The letter provided my customer number, but did not indicate which account or accounts correlated with the compensation. The letter did not indicate what criteria was used to determine the compensation amount, and did not indicate the dates they determined they could not confirm authorization was obtained. My compensation was in the amount of {$740.00} with an additional credit of {$25.00}. 

On XX/XX/XXXX I spoke with XXXX who explained the initial impact was in XXXX, relating to one name making payments for another person. This made sense as I am a co-signor on loans for each of two sons, and some payments were made through my checking account. We were able to make an educated guess as to which account was affected, but the Discover Student Loan representative could not say for certain. There was no information available as to the criteria used or dates identified to determine the compensation amount. 

The check provided was noted with please deposit check immediately upon receipt. To me that reads as dont ask any questions, just accept that we have compensated you correctly. I would like to know how the compensation amount was determined, so I can verify that I was compensated appropriately per Discover Student Loans consent order agreement.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

These Account were Investigated by XXXX and Trans Union and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX - Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to XXXX  over the consumer?
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (MO)

Impossible to be still working on the issue, I JUST MADE ANOTHER ON TIME NEVER LATE PAYMENT TO XXXX SO WE ARE CLEAR I HAVE MADE 21 CONSECUTIVE ON TIME NEVER LATE PAYMENTS TO XXXX AND YOUR FRAUDULENT CROOKED COMPANY WEBSITE SAYS MY LAST PAYMENT TO XXXX WAS XX/XX/2022 BUT YET THIS FRAUDULENT CROOKED COMPANY OWN WEBSITE SHOW NEVER STOPPED PAYMENTS AND TRY TO NEGOTIATE A LOWER PRICE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-05-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (GA)

I received a call from the collection agency stating that I owed an amount of XXXX for XXXX XXXX. I told them I didn't owe XXXX that my employer through XXXX  pays them directly. I contacted XXXX and they stated the amount that was owed was XXXX. XXXX then received payments from my employer XX/XX/XXXX of XXXX and XXXX. According the XXXX my balance remaining was XXXX. I corresponded this information with the collection agency and asked that they file a dispute. Shortly thereafter, I received a letter from them stating they investigated and the charges were valid. Not reflecting any payments made and completing disregarding the amount stated by XXXX. Then on XX/XX/XXXX, XXXX sent me a letter stating they spoke with the 3rd party collection agency, and informed them that my account should be removed from collection. I called the collection and informed them of this information. The rep stated they never received this information and not only did they increase the balance they initially stated that I owed through the credit bureau, they now marked me as missing a payment. That affected my credit significantly. I have documents stating that I should be out of collections and they refused to erase this incorrect information and remove themselves from my credit report.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit 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: CITIBANK, N.A. (WA)

I had a Best Buy Credit card through Citibank. With one of the purchases, I had a subscription to XXXX XXXX. The subscription auto-renewed. I contacted the Credit card company and told them that I did not want the subscription and that it was canceled online. They told me that I had to pay for to pro rata share of the subscription. I informed them that the error was on their end. They originally charged me {$330.00} for the subscription that I did not want or need. After numerous calls to both Best Buy and Citibank, this has gone nowhere. This has been in dispute since XXXX of 2023. Since then, they have reported me delinquent to the Credit agencies and attempted to extort this money from me.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-03-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NJ)

On XX/XX/2023, a charge was posted to my benefit card for {$310.00} by XXXX XXXX XXXX. I have proof from the merchant that they admitted to not providing the service according to a customer agreement. As well, my dissatisfaction and grievance with the company. The merchant offered a refund, however, it was not for the full amount of the purchase of XXXX. After going back-and-forth with the merchant and being promised a refund, I contacted Direct Express to file a dispute claim. I provided evidence and an explanation in writing and waited for several weeks for a packet from direct express to sign. I contacted direct express to follow up multiple times and when I finally received the packet, I signed it and returned it. After, I called to follow up and it was explained that my claim was denied. I asked for reason for the denial and never received one. Despite the documentation that I provided. After my complaint to the merchant, I obtained copies of authorization slips thats was unsigned, showing that I never acknowledged receipt of any goods or services. Therefore, making the transaction not valid. Also, the merchant never was able to provide an itemization of work completed or bill. For that reason, I am demanding a credit to my account. The money that is loaded onto the benefit card is from XXXX funds and I need that money back.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC. (CA)

I opened a Credit Card with Ally Bank in XX/XX/XXXX with a promotional offer of {$200.00} if I spent {$500.00} before XXXX of XXXX. 

I kept my end of the bargain and I have been calling ALLY BANK every XXXX weeks since XXXX. Now we are in XX/XX/XXXX, and the managers are exhausted writing complaints on my behalf and ALLY BANK does not credit me my {$200.00}. 

I have been a customer for many years. My family and I have many accounts. This is not a professional nor ethical way for XXXX XXXX to do business.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

JPMorgan Chase Credit Card terms of agreement stipulate reimbursement of XXXX XXXX fees as part of my XXXX XXXX XXXX credit card benefits. I renewed my XXXX XXXX on XX/XX/2023 and have not received reimbursement since then. Multiple calls with the Chase benefits team were unsuccessul. Benefits representatives are not able to access my account presumably to a security block. The security team does not see anything questionable on their end and can not explain why the benefits team can not access my account. I am stuck in a loop and Chase has not provided a solution to have the account access restriction removed. Chase supervisor XXXX XXXX has opened a case XXXX to address this discrepancy, but there has not been any progress to resolve this matter. Chase bank has violated terms of agreement by witholding my benefits since XXXX  I hope this will motivate the Benefits and Secuirty teams to work out their internal differences promptly and provide reimbursement ASAP.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (NY)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I reviewed my credit report and discovered the following : Account : Caine and Weiner Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the amount of XXXX which was purchased from XXXX XXXXe by your company as debt buyer Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Caine and Weiner isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TN)

[ SYNCHRONY BANK/VENMO CREDIT CARD ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX IN REGARDS TO Account number XXXX I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

{$990.00} was stolen from my checking account at Citibank on XX/XX/year>. 

Old checking account number : XXXX Routing XXXX Claim number : : XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NJ)

While traveling I mistakenly submitted the wrong payment info for my bank, for the amount of the payment I submitted for {$150.00}, which was well above the minimum payment due. Discover failed to inform me I entered the wrong bank information until after XXXX ( eight ) days later. 

As soon as they informed me ( via email only - no phone call, or no mobile alert which I had set up ) of the filed payment, I contacted customer service, and someone that only goes by the name of XXXX said there was nothing they could do ( as in DISCOVER BANK. I asked XXXX if DISCOVER ever has or ever will refund penalties and she refused to answer, she continually said she couldn't do anything, which is false and misleading. 

I asked her how to file a complaint against her and DISCOVER, but she refused to provide useful information. I asked for a supervisor, but again she refused. 

In summary, it took DISCOVER over 8 days to inform me of my error, and the customer service rep. XXXX was misleading and fraudulent in her " support ''. And their mobile alert system also failed to notify me of either the charge or the payment error. This seems to have been done by design, to intentionally charge my account a penalty. 

If DISCOVER had notified me in a reasonable amount of time about the error, admittedly on my part, I would have rectified the situation and promptly entered the correct pay-from bank account. Instead, I have never had a late payment. DISCOVER failed to notify me in a reasonable amount of time, and acted in BAD FAITH by charging my account a penalty and also by providing false information regarding refunding the penalty.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (AZ)

I am writing to file a formal complaint regarding the inaccurate reporting practices of AFFIRM to the credit bureaus. Despite fulfilling all obligations and paying off my account with AFFIRM as agreed, the company continues to report erroneous information to the credit bureaus, negatively impacting my credit report. 

I successfully paid off my account with AFFIRM in full, meeting all terms and conditions outlined in our agreement. However, despite this, AFFIRM has persistently reported inaccurate information to the credit bureaus, which has adversely affected my credit score and financial reputation. 

I have attempted to resolve this matter directly with AFFIRM by providing evidence of payment and requesting correction of the erroneous reporting. Regrettably, my efforts have been unsuccessful, and the inaccurate reporting persists. 

This situation has caused me undue stress and frustration, as it unfairly tarnishes my creditworthiness despite my adherence to contractual obligations. I respectfully request the intervention of the CFPB to investigate this matter and ensure that AFFIRM rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to address this issue and safeguard consumer rights.
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I was denied discharge after submitting overwhelming and proved evidence of misconduct by the school in question and even received a federal discharge for the same reason I sent all the accurate information they ask for and was still denied and was not even giving a reason for why I was denied after paying those loans for over XXXX  years I have paid them XXXX times over and should have been giving a discharge I proved my case.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (HI)

XX/XX/year> I reported to Citi Bank to close my credit cards ending in XXXX and XXXX because I got an email notice saying that the new cards I requested were activated. I did not request new cards for those accounts because I did not lose them, nor was it stolen and were not yet to expire. The credit cards were mailed to an address in XXXX, CA. I did not change my address, I do not live in California nor I have ever lived in California. After those credit cards were finally canceled and closed. Citi Bank issued XXXX new cards ending in XXXX and XXXX under the name XXXX XXXX to the XXXX, CA address. I have contacted Citi several times and disputed these cards as fraud because I do not know a XXXX XXXX and I did not send them any proof that I changed my name legally from XXXX XXXX to XXXX XXXX and I did not request or apply for new Citi credit cards. I sent them my letter from CFPB, a copy of my Police Report # XXXX ID theft 2nd Degree Felony and my letter of explanation. Citi states that that the investigation was decided that there was no fraud. Then Citi sends me the statements for those cards but changed the name from XXXX XXXX to XXXX XXXX. The XXXX new cards were issued to XXXX XXXX not to me XXXX XXXX. I did get divorced and have my court papers to change my name legally from XXXX XXXX to XXXX XXXX, which is my current legal name. I do not understand how or why Citi can change my name from XXXX XXXX to XXXX XXXX without any proof of name change. Citi will not remove the name XXXX XXXX and/or the California address from the credit reporting agencies. I feel this is an inside job within Citi Bank itself.