davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MI)

I had an injury to my XXXX  and was off work for a month or so and fell behind on a payment Im back working and making my payments regularly and the 30 day late payment is dropping my credit score XXXX I just got custody of XXXX out of XXXX kids Im in the process off getting us a new home and this is really stopping me from getting this home for my family could u please please remove this off my credit report so it could go back up please
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (FL)

I moved in XX/XX/XXXX and as a precautionary measure went to check for mail at my old address ( I had filed a change of address ). To my surprise there was a final notice from XXXX for XXXX XXXX ( this is what they told me ) I told them this was not mine as the complex provides internet and thought that was the end of that. Two days ago, XX/XX/XXXX, I went to pick up mail again and found a collection notice this time from Maury Cobb Attorney at Law stating it was for a XXXX account. I called them and they said that unfortunately, there was nothing they could do for me. They instructed me to file a complaint with XXXX XXXX and a police report. I did both.
Consumer complaint received 2024-03-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION (GA)

A few days ago I got a notification from my credit monitor that I had missed a payment on my mortgage, I was surprized since Regions Bank deducts the payment automatically every month from my account. I logged on and made the XXXX missing payments. 
I later got a call from regions saying my loan was in foreclosure, and I told them I was able to make the XXXX payments owed on their website through ACH transfer. 
Regions then told me they wouldn't take my money since I owed XXXX payments which did not show online or I would have paid the XXXX XXXX. 
I asked why they would not take my money, he said talk to their attorney.

I was able to screen shot my payment from their own website and emailed to them. The payment record has since disappeared off of their web site, as has my loan, and I am unable to log onto their mortgage site.

This was the first I had heard of my loan going into forclosure was on the telephone with no prior communication!
Consumer complaint received 2023-12-27
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: CITIBANK, N.A. (TX)

To whom it may concern, I have received the email in XX/XX/XXXX attached with promo offer from Citi bank in my email and on my Citi bank app from the XXXX  I opened in XXXX and opened the checking account in XX/XX/XXXX. The requirements to get XXXX were met after I called the bank prior processing deposits to confirm. The agent has confirmed this is what I was suppose to do to deposit over {$1000.00} and spend them within 60 days. In XXXX when I called inquiring about the mileage the first inquiry was sent to the department handling promo offers I have received similar letter attached stating I was not eligible and should submit proof of my offer sent to me. 
Since then I lost count how many times I have called and all the agents are located in XXXX, some stated they have never heard of this offer before. XXXX person on the phone from cc side gave me an email I emailed my offer to but never heard back. ( Attached ) then I called debit side and they told me I could either mail offer or fax it ( attached ) but it went nowhere too. On XX/XX/XXXX when I called I was connected to XXXX  account manager and after total of XXXX hours on the phone between city and XXXX XXXX  confirmed the offer didnt come from them. Then I was connected to a supervisor who opened another dispute and I received another rejection notice.
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (CA)

I attempted to pay my XXXX cell phone bill three times on XXXX  in the amounts of {$300.00} ( 2x ) and {$100.00} ( 1x ) but all three times the card was declined. I called XXXX and they said that the issue was with the gift card issuer. 

I then attempted to pay my XXXX internet bill once on XX/XX/ in the amount of {$100.00} and again the card was declined. After calling XXXX, I was told again that the issue was with the gift card issuer. 

I received the {$450.00} gift card ( ending in XXXX ) from the Exchange Team on XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC (CA)

I called on several dates such as XX/XX/2024, XX/XX/2024, XX/XX/2024 asking that the account be closed and send me the check. I followed their instructions to send in the proper form found online along with a copy of my driver 's license. They said a check was sent on the XXXX of XXXX and i would receive it in about a week and nothing was received and they have not responded to my requests to speak to a supervisor. They say my account is now closed which is what I requested but a check was never received.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report.

The only way a corporation can possibly report a payment as late under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

this company, Portfolio recovery, calls me every-single-day, using different numbers each time -sometimes as early as XXXX am - these are just a few of the numbers they use to call me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (OK)

I received a letter from Zions Debt Holdings ( of XXXX XXXX UT ) about XXXX weeks ago that they had purchased a debt from XXXX related to a XXXX XXXX XXXX account I previously had. They claim I owed a {$27.00} monthly monitoring service from XX/XX/XXXX. charge plus {$8.00} in interest and a {$60.00} late fee, and asked me to respond. I checked the box saying " This is not my debt '' and returned the form to them. About XXXX days ago I received a XXXX letter demanding payment and it also included a copy of my original contract. The contracted monthly service fee was {$34.00} and the contract EXPIRED in XX/XX/XXXX. 

Yesterday evening I received texts saying, that, if I did not pay by XX/XX/XXXX, they would report the debt to the credit bureaus. As I have communicated multiple times now, I cancelled that contract in XXXX or XXXX XXXX  XXXX. I have no idea where they would come up with a monthly amount of {$27.00}. The payment was always MORE than that on a monthly basis. I have never received any communication from XXXX or XXXX that owed them anything. They are demanding proof of my written cancellation from XXXX years. My current credit score is XXXX, which should give a pretty good idea that I don't walk away from amounts actually owed.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (NJ)

Purchased a coat on XXXX for {$630.00} described as new with tags. Received it in the mail damaged and contacted the XXXX seller and didnt reach a resolution. 
Called Discover Bank customer service to file a dispute, in which I was told that the issue that I presented does not qualify for a chargeback as it does not satisfy their rules and regulations for debit card disputes, as it has to do with item quality. If I had known this, I would have not purchased it with my discover debit. Also, it has nothing to do with the quality of the item I did not receive the item that I was led to believe I was purchasing. 
Extremely misleading, how there are different regulations for discover debit and credit cards when there is nowhere online that explicitly describes it.
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (CA)

For more than 18 years, the mortgage payment was done directly from my bank for the amount of $ XXXX. It looks PHH took out {$1000.00} from one of the auto payment and applied it to buy insurance, when I investigated why there was a need to buy insurance because I do have insurance from XXXX? and no one was able to answer, I called XXXX and I got a confirmation that for all insurances ( Car, mortgage, property ) are paid on time. 
PHH did not use the best accounting practice, the payment must be applied to the monthly mortgage as it was sent from my bank, but by taking out {$1000.00} from the monthly payment, it made {$3000.00} sitting in suspended state and made the reminder amount {$3000.00} insufficient to be applied to monthly payment thus making the account late pulse incurring penalty.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have had a very difficult time with Nationstar. It originally started with XXXX, then XXXX XXXX XXXX. I am now with Nationstar. I have never been offered help to save my home. I am 9 years late with an 8 % mortgage. We are over our hardship and would like to apply for a modification. We have never received a modification. Nationstar is saying XXXX XXXX is our investor and they do not do modifications. They refuse to offer help to save my home. I know for a fact that is not true, XXXX XXXX does loan modifications. For the the past 9 years the lenders would not help me with modification to avoid a foreclosure. Because of there dysfunction by mortgage is huge from interest and fees.
Consumer complaint received 2023-12-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

XX/XX/XXXX : My aunt bought this gift card at XXXX XXXX NY for me XX/XX/XXXX I received the card as a gift for my graduation Days after I tried to use it in several ways, XXXX, XXXX XXXX, XXXX etc I think this is gon na be important Gift card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
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. (LA)

XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately from my credit report
Consumer complaint received 2023-12-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (WA)

I was given the American Express Gift Card with XXXX dollars on it from my father, who received it as a reward for spending a large amount with his American Express account. I tried to use the card on XXXX, but it was declined. I can see the card 's balance online and know that it is active, but the card does not work on XXXX, XXXX, XXXX, and other online vendors for " security reasons ''
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

For months now I have not been able to use my gift card for {$50.00}. I have called American Express, and they say try it somewhere else. I called again today ( XX/XX/2024 ) and again they will not send a replacement r fix the issue. Still not working anywhere.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE IDENTIFIED INFORMATION ON MY REPORT THAT ARE A RESULT OF IDENTITY THEFT THESE items ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME : 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 2023-12-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

I have an Amex preloaded gift card for XXXX XXXX I went to purchase an XXXX gift card for XXXX $ to reload my balance on my account. The purchase was declined but a XXXX $ charge was added to the card. I contacted Amex and was told that they decline XXXX purchases automatically due to " protecting my funds '' and would not allow me to make a purchase. I then tried several other outlets with XXXX success with the same outcome. When reaching out again to just ask for a check or cash since their card is declined everywhere, I was told that it's mine problem, not theirs. This is ridiculous. I have money on the card that is impossible to use and given the run around by Amex. On top of that the processing charges will take over 2 weeks to be reversed if the card ever does work. I want my money that they claim I can use.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

My wallet was lost in XX/XX/XXXX. I was monitoring my credit cards but I continued to make payments to the card without any charges. For the last two months I have been requesting a new card ; however, I never received one. When I called today XX/XX/XXXX, I was told the account was closed. When I inquired why, I have been giving three different answers : first, they stated I closed the account ; incorrect ; second, the bank closed the account after a review, incorrect and third-the account was closed because I never received the requested cards. To reopen the account they have to run a new report which affects my credit. Which I told them Im current on the account and I never closed the account
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (DE)

My wife has made multiple payments towards my XXXX auto loan account XXXX, but these payments are not being reflected in the remaining loan balance. Her bank has confirmed that NFCU has charged her card for these payments, yet they have not been posted to the account. I would like a detailed record of the payments that are missing. I would like an investigation on where the money that was charged to account went as she only on the XXXX loan. I would also like a detailed record on my second loan on the alleged missing payments as well on account # XXXX. 

XX/XX/XXXX - {$800.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$790.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$850.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$900.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$620.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$810.00} XXXX XXXX XXXX NFCU XXXX VA XXXX XX/XX/XXXX - {$820.00} XXXX XXXX NFCU XXXX VA XXXX RECURRING XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX NFCU XXXX VA XXXX RECURRING XX/XX/XXXX - {$1000.00} XXXX XXXX NFCU XXXX VA XXXX RECURRING XX/XX/XXXX XXXX XXXX XXXX NFCU XXXX VA XXXX RECURRING
Consumer complaint received 2023-12-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I received an American Express gift card from work for XXXX and I am unable to use the card anywhere ( online or in a retail store ) When I call the customer service number they provide which is XXXX I am told the card is active and the money is on there ( currently {$99.00} ). This same balance is reflected online as well along with showing the card as active. 

Customer service provides XXXX solutions or resolutions. All I am told is try the card somewhere else which is ridiculous considering the fact that I have now tried the card at all the places listed below +. I have called the customer service line several times over the last few days and even asked for a supervisor but they just flat out refuse to provide any sort of resolution. 

Online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are just the places I can think of with possibly even more places tried. 

This issue seems to be widespread and is affecting tons of people according to XXXX, social media and XXXX.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OK)

On XX/XX/2023, I charged {$4400.00} to my Citi credit card. I already had a {$1500.00} balance at 6.99 %, a {$370.00} balance at 5.99 %, and a {$2600.00} balance at 0.00 %. I accepted an offer to finance the {$4400.00} at an APR lower than the standard APR of 19.24 %, which I believe was 8.99 %. Later, I received an insurance reimbursement for {$4400.00} and wanted to pay off the latest offer. I called Citi, and I was told that they could not direct the payment, but the highest interest rate would be paid off first according to law. Since the balance of {$4400.00} had the highest interest rate at 8.99 %, I thought it would be paid off first. 

Instead, the payment XXXX out {$2600.00} balance transfer at 0 %, the {$370.00} balance at 5.99 %, and the {$1500.00} balance at 6.99 %, leaving behind a balance of {$4100.00} at 8.99 %. I believe Citi has broken the law by paying off the debts with the lowest interest rate.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp. (FL)

1- Without previous notice, the company took of my property.

I made payment on the lender website for the full amount owed. ( XXXX, XXXX ) I called the lender to place him under notice as requested, that payment was completed and processed by their system. ( attached confirmation from lender of payment being received ) Lender informed that vehicle had already being taken and that they wanted the total balance of the loan, disregarding the fact that I was up to date with my payments. 
The lender and his agent have taken my personal property without my consent and without previous notice. Disregarding the fact that my account is up to date, no past due amount is owed and depriving me of my personal property, Lender is acting in violation of my property rights under Art. 16 of the US Constitution.

I immediately demand that my property is being returned to me without further due by the lender as he has no rights over my property. 
I further demand that the lender renounce to charge any expenses being collected as a result of his careless negligence. 

I Attached the following information to this complaint.

Lender information : XXXX XXXX XXXX XXXX telephone number-XXXX website-XXXX account numberXXXX XXXX  Evidence of the Lender 's website with the payment amount and evidence that all debt has been cleared out and next payment date is in the future.

2-Lender 's communication confirmation of payment been received through the lender approved means.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute fraudulent accounts that have appeared on my credit report. Unauthorized accounts have been listed under my name, specifically the XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX account ending in, marked as fraudulent.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX  XXXX