davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Climb Credit Inc. (NY)

In XXXX XXXX  I got a loan from Climb ( who partners with XXXX  ) in order to attend XXXX XXXX XXXX XXXX Design Program. This was one of two lenders recommended by the school. 

I took out a loan of {$16000.00} with an interest rate of 8.15 % equalling {$17000.00}. Therefore owing {$550.00} for 36 months after a 6 month deferment period. 

I used a credit card that was accepted as proof of payment at the time of loan agreement. 

I was expecting to make my first payment in XXXX but the $ never came out of my account, but was reassured everything was fine when I went on the Climb site. 

The Climb website shows I have no past due payments. & that my auto payment is set up with XXXX. And that my 1st payment is due XXXX XXXX XXXX. However, I wanted to make sure there wouldn't be an issue so I logged into my XXXX  account & it showed that I had no card on file. 

I called Climb to find out they no longer accept inbound calls. And the message center says if the funds have already been sent & used to call XXXX with any issues. 

I called XXXX and was told they no longer accept credit cards as a form of payment because " Climb said so '' or due to " new regulations in the dept. of treasury ''. When I asked for more information I was told that they don't have any. I was also given multiple dates as to when this came into effect. All of which after our agreement was made. My call was dropped multiple times while trying to get more information. 

Since the time of my loan.. Approx 7-8 months I have been contacted 0 times by either company notifying me of any updates/changes made. Including a new website. Where I can no longer access documents from our agreement. The original Climb site shows an error while trying to access those documents. While on the phone XXXX said they have to request my promissory agreement from Climb. Even though they now have a joint website. 

I've also read online about peoples experience with these companies & saying there were issues with double charging. I'm concerned if my payment method is with a savings account my money with not be protected & insured the same way a credit card will. And I will not be able to get in contact or get helpful customer service. 

I would like to pay my loan in the way I originally intended and on time. I just want to know what's going on.
Consumer complaint received 2023-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

Collection account from XXXX XXXX XXXX ( XXXX ) for {$220.00} has been settle and paid. Credit Bureau will not move from credit report. 

Company information : XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

I had a medical procedure performed on XXXX XX/XX/XXXX. I was informed that if I paid at check-in I would pay a fixed amount of {$2200.00} and that I would not owe anything else. I paid this amount in full at check-in. 
In XX/XX/XXXX XXXX XXXX XXXX sent me a bill for {$1200.00}. I called and asked what this was for. They responded that they had sent me a refund in error and that the amount that my insurance paid had changed. I asked for them to show me the proof of a refund because I did not see it in my account history. I specifically asked for the date, amount and check number. I asked they they send me the details demonstrating what the insurance company agreed to pay vs what they are now claiming. All they did was send another statement in XX/XX/XXXX. I responded with a letter on XXXX XX/XX/XXXX. XXXX then turned things over to MediCredit. I sent them a letter replying to their request on XXXX XX/XX/XXXX, informing them that they were attempting to collect a wrongful debt and that any proof to the contrary had not been provided. They then sent an itemized hospital bill which showed all hospital charges but not any amounts paid by me nor the insurance company. Not proof of refund or decreased insurance payments. I sent them another letter on XXXX XX/XX/XXXX. They then sent me another bill, this time increasing the amount requested to {$2600.00} ( with no justification for the increase ). I sent them a letter on XXXX XX/XX/XXXX asking them specifically not to contact me further since they have been unable to provide proof. They have sent yet another letter with the same useless hospital bill. I have written XXXX letters in total which will further support the above summary.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I orginally mailed dispute letters to Experian regarding them reporting inaccurate and obsolete information on my credit report in reference to a few accounts including the XXXX XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX. Even though they know the information is inaccurate they still continue to report it as verified instead of removing the information from my report.
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I sent a letter stating inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet. I feel like I'm being ignored of my disputes nothing is happening. XXXX XXXX credit can't even provide me with an explanation of why they reported anything late. they can't even find the file they said it was too old and erased from their system. I never missed a payment at all. It states in Section 611 ( a ), in clear sight that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days and still no word so by law they should be deleted as soon as possible. I demand these accounts to be deleted immediately if not I will file a litigation due to the stress that's have been caused. I believe my info was impacted by the XXXX data breach and could've gotten into the wrong hands. 

The date opened is different from the other bureaus, the high credit limit is inaccurate, the last reported date is inaccurate and the last active date is XX/XX/XXXX on XXXX which is obviously inaccurate.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never gave Trans union XXXX, XXXX, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I am not liable for this debt with XXXX and do not have a contract with Jefferson Capital. They have not provided me with the orginial application like I asked. On XX/XX/2018 ; Jefferson Capital began reporting a negative account balance on my credit reports for {$520.00}. I have asked that XXXX dispute this information and remove it from my report and they they have failed to do so. I have disputed the account information with the business and requested information related to this debt they claim I owe and I have not been provided anything that proves that I owe this debt. I have never did any business with Jefferson Capital and do not acknowledge owing them any money.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CA)

I found inaccurate information in my AMERICAN HONDA FINANCE XXXX XXXX. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section XXXX, I have the right to privacy, and 15 U.S.C Section XXXX A Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a text message that my new Bank of America card was being sent to me within XXXX days. I checked my credit report and it showed a inquiry was made on my credit by bank of america on XXXX XXXX. I called Bank of America fraud department and inquired if an account was opened and they said there was but as of XX/XX/2023 no activity had been shown. They put a stop on the card and will monitor for the next 10 days.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

i received my credit report on XX/XX/2023 and notice there were hard inquires that don't have permissible purpose to be on there these hard inquires are hurting me for getting approved. 
i already reached out to the credit bureaus about this they keep violating my rights under 15usc1681b these hard inquires that don't have no purpose to be on my credit report.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I moved my existing balance from my Huntington Bank account to a different account ( leaving my balance at {$0.00} ) and phoned them on XX/XX/XXXX to close the account. Instead, they left my account open and charged a {$25.00} maintenance fee on XX/XX/XXXX. Now I must pay the fee to close the account. If they had closed it when I requested this would not have occurred and seems predatory.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (OH)

I'm filing a complaint against Navient with the CFPB with the intent to receive a School Misconduct Discharge Application ( SMDA ). I am confident that I should qualify for the SMDA pilot as I attended the XXXX XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX - XX/XX/XXXX and was pressured into getting additional private loans by the recruiting staff at the school to be able to attend. The government just announced a XXXX XXXX dollar discharge for XXXX students who attend the XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX due to widespread fraud including, but not limited to, dishonest recruitment practices, false reporting for job placement, using non-related job data as placement statistics, false reporting on income to expect after graduation, and aggressive recruitment tactics. I am a part of this most recent wave of discharges by the Department of Education, which comes after pressure from the XXXX XXXX XXXXXXXX case and I assume a significant volume of new Borrower 's Defense to Repayment ( BDTR ) applications.. 

Additionally, Navient has been found to have pushed former students toward forbearance rather than income based payments plans or deferment, which consequently caused them to add to their principal and, ultimately, the interest that they would have to pay. I experienced this myself several times between XXXX ( before the loans were separated from Sallie Mae ) and XXXX when my in-school deferment ran, including multiple times that I had to speak with representatives and make payments in XXXX, XXXX, XXXX, and XXXX. 

I took out XXXX private loans with a cosigner, the first with an original principal of XXXX taken out on XX/XX/XXXX with a current balance of XXXX at 12 % interest and a payoff date of XXXX/XXXX/XXXX, and the second with an original principal of XXXX taken out on XX/XX/XXXX with a current balance of XXXX at 16 % interest with a payoff date of XXXX/XXXX/XXXX. To date I have paid a total of XXXX on these loans since XX/XX/XXXX and XXXX has been paid since XXXX of XXXX, which is significantly more than the original principal.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

Discover Bank made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor  in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. 

I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. 

I made an investment in Discover Bank and they have taken my note without providing the goods that I paid for.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The company has responded however the correct action has not been taken pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please see the attached documentation sent by XXXX XXXX showing a XXXX balance as of XX/XX/2023
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has a " shopping '' program, click on the store and Capital One will link you to that store for your x % cash back. 
On XX/XX/XXXX I went THROUGH Capital One 's site to XXXX - for a 4 % Cash Reward - and made my purchase. I was then returned to Capital One 's site and congratulated. 
Total {$83.00} Cash Rewards that were credited to me were {$1.00}. 1.25 % which my card gives me automatically - NOT the {$3.00}. 
I have called 3 times : 1st called got me nowhere. 
2nd sent me to the rewards department and I was told to write an E-MAIL! to help @ Capital One.com explaining the situation - a month ago and no answer ( surprise )!. 
3rd They " filed a complaint '' with their supervisor to review and get back with me, but could not give me a confirmation number. 
I've started looking back through my past " rewards '' and have noticed other discrepancies.
Consumer complaint received 2024-05-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NC)

As a user of the Cash App platform, I have observed that there are multiple entities involved in this agreement, including Cash App, XXXX XXXX and Block Inc. ( formerly known as Square Inc. ). The agreement encompasses both the Cash App Terms of Service and the Cash App Prepaid Card Program Agreement, with the Cash App Prepaid XXXX Card being provided virtually or physically by XXXX XXXX  as a partner. There are inaccuracies of insured deposit being charged by Cash App Services during purchases on a prepaid card program FDIC insured on the balance with in the Cash App. 
One area of concern is the delineation of responsibilities and liabilities among the involved parties. It is noted in the agreement that XXXX XXXX is not a party to the Cash App Terms of Service and holds no responsibility or liability for the Cash App Services. However, in the event of any inconsistency between the agreements, it is stated that the Cash App Prepaid Card Program Agreement shall govern and control aspects such as the Account, Card usage, and the relationship with the Bank. Cash App balance is FDIC insured through Cash App 's other bank partners. This redundancy raises questions regarding the clarity and coherence of the FDIC insurance coverage provided for Cash App balances. This has been occurring ongoing service fees and penalties since XX/XX/2020 to current XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (TX)

Afterpay is the name of the creditor. They have a partnership with XXXX. I have never signed up for an AfterPay account. Yesterday ( XX/XX/2023 ) I received several emails welcoming me to AfterPay and thanking me for my order. Using the links in the email I was able to access the account by changing the password. 

The below information is what I found. 
Order # XXXX Phone # listed which I do not recognize was XXXX Delivery Address which I do not recognize is. It also list a name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PACIFIC WESTERN BANK (CA)

On XX/XX/2023 around XXXX, I attempted to open a new account at Pacific Western Bank and was told in addition to the opening deposit, valid ID, social security number, 2nd form of identification. I was also required to have a account at another bank and that pacific western would need to verify with actual bank statements from that other account. That it has been a requiremt for 1 year now in order to be able to open a new account and I would not be able to obtain an account unless I provided those verifiable statements to them. I called the XXXX number and they attempted to contact management without result.
Consumer complaint received 2022-01-06
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (PA)

My VA-backed mortgage was current prior to entering a COVID-19 forbearance on XX/XX/XXXX. Freedom Mortgage did not report the account as current for several individual months during the forbearance ( in effect until XX/XX/XXXX ). The status states " current, paying as agreed '' but for individual months, they have not reported any data except for a negative remark : " PDE : Payment deferred '' for XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX  show no reported information aside from the negative remark, yet XXXX ( still in the forbearance ) was reported as current. 

I also received a letter in the mail dated XX/XX/XXXX stating " we are concerned about your recently missed payment, '' and includes a loss mitigation packet detailing foreclosure. There is not data showing for XX/XX/XXXX yet on my credit report, so I don't how if they've reported a missed payment. This was while I was still in COVID-19 forbearance.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Messerli & Kramer P.A. (MN)

someone took a credit card out in my name ( FRAUD ) and i didnt no about it was took late they filed a judgment aginst me in XXXX well in XXXX they open the case agian and filed another judgment aginst me witch i never recived anything the second time i didnt they could only go back 10 years
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023, a refund of {$70.00} was posted to my account. However, my account balance does reflect the reflect the reversible adjustment in the amount of {$70.00}. The reversible funds should be {$70.00} not {$70.00}.
Consumer complaint received 2023-09-13
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. (IL)

I made numerous attempts to dispute fraudulent accounts on my TransUnion credit report. I do not understand why there wasnt any progress, because other bureaus ( XXXX and XXXX ) already have removed the fraudulent accounts. Only TransUnion still reporting all the fraudulent items. I request the following accounts to be removed as soon as possible : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX
Consumer complaint received 2023-03-14
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. (DC)

Equifax was instructed to no longer include medical debt in collections under {$500.00} on credit reports by new Biden Administration regulations. I have a medical debt from the negligence of a doctor that is being investigated by the State of Pennsylvania and therefore I did not pay the uncovered debt. It was reported to the collection agency and it is under {$500.00}. I reported this to Equifax as a dispute and they sent a letter stating it is valid and left it on my credit report.