davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

Carnival Cruise Lines sent an email offering a promotion for {$200.00} on board credit for using our Barclay Card ( promotes Carnival directly ) if we book the trip before XX/XX/XXXX. It had a special code. We used that code. As of today, Carnival switched the code in their system to block us from getting the onboard credit. They then told us this was a Barclay card promotion. Barclay said they never promoted it. 
REGARDLESS, we asked SEVERAL times to file a dispute for the charge on the credit card because it was false advertising. ( If you have onboard credit and you don't use it, that amount get 's credited back to your credit card. We've used it that way several times before in the past ). So basically it puts us at a {$200.00} over payment. 
Barclay card REFUSED to allow us to file a dispute! WE were on the phone for hours speaking to several people. That person 's name was, XXXX and her ID was XXXX. Whether or not that is her real number I don't know. 
Documented phone call was today XX/XX/2020 XXXX XXXX. We had to speak to SEVERAL employees! 
SO the code we entered was XXXX. The carnival representative said the code she saw was XXXX. Then she sends us a screen shot of her computer that has a DIFFERENT code. Someone perhaps their software developer switched the code for the booking to prevent us from getting the onboard credit. It's bait and switch.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

I keep getting phone calls on my landline. I tried calling them back and it is for someone else Someone I have not ever heard of. I told them that this is the wrong phone number and I do not know anyone of who they are trying to reach. Being told I will be taken off of their list, they still call. It is usually a robocall ( machine ) telling me to contact them. Well needless to say this happens a lot and I am getting sick of it. If I was put on the list so they do not call, why do they continue. I am not one to complain. But this is enough. I have had enough of turning around and going through the same scenerio. At least 5 times already have I spoken to someone.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

The information regarding Fedloan Servicing for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Issue : Deceptive, misrepresentation of terms of finance by CareCredit/Synchrony Banks acting agent at the time : XXXX XXXX XXXX XXXX, XXXX XXXX. 
Sub-Issue : I neither received by postal mail an explanation of credit card terms of finance nor any communication by telephone of credit card terms of finance from CareCredit/Synchrony Bank. 
Sub-Issue : CareCredit/Synchrony Bank never enrolled me directly although the transaction amount was greater than {$1000.00}. 

I am disputing the {$750.00} of interest added to principal balance. 

The problem is that upon the date of XXXX service and enrollment in CareCredit/Synchrony Bank ( XXXX ), the XXXX office claimed that the costs of the procedure could be financed by CareCredit at 0   % annual interest along with a monthly principal payment that would pay off the balance in a couple of years. I wholly relied on the XXXX office representatives oral explanation and, thereafter, monthly payments were auto-drafted from checking. However, at the end of XXXX, I looked further to discover that the promised 0 % annual interest is really 26.99 % APR, the terms are really interest-deferred for 18 months, at which time, the accumulated deferred interest of {$750.00} from month one through month 18 is applied to the remaining principal balance. 

On XXXX, I called CareCredit/Synchrony Bank requesting records. The representative emailed back a copy of the Credit Card Agreement ( see attachment : CareCreditSynchrony Terms XXXX ). Please note that the copy of the Credit Card Agreement provided is dated XX/XX/XXXX ( see page 1, top right corner, 3rd line ) which is about 20 months after the fact ( XXXX ). 

On XXXX, I paid off the entire balance of {$1600.00} ( see attachment : CareCredit scheduled payoff XXXX ). 

I wish my XXXX office would have never tried to sell me on financing my procedure in the first place. I never asked for financial assistance and would have never agreed to a deferred interest product especially since my credit score is over 720. I only took the offer because I wanted to build my credit history for when I buy a home.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequoia Financial Services (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (MO)

This company ( Perdue Brandon Fielder Collins and Mott, LLP ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Consumer complaint received 2020-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

After a recipient of a money transfer being my grandmother was not able to pick up an available money transfer I was forced to seek a refund for that available Moneygram instead. The matter was that teller at the location # XXXX refused to refund my transfer fees spent and only refunded me the amount of the MoneyGram transfer. Moneygram while within the location stated that the transfer fees were of XXXX XXXX XXXX and should be refunded by XXXX XXXX XXXX. 

I am not liable for XXXX XXXX XXXX teller 's refusal to release the available transfer to the recipient. There were no error codes or other valid issues explained.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

Ally Bank erroneously processed a check that was supposed to go into my Ally Invest IRA. It was a 401 ( k ) rollover check. Now they've returned my funds to me and they're in my personal checking account ( at Ally Bank ), but it looks like I could be hit with taxes ( and maybe penalties ) even if I transfer the funds into my IRA. I'm trying to get them to help me -- I've laid out steps they can take to help me show the IRS what happened -- but they're just ignoring me. 



I'm attaching a letter I submitted to Ally Bank on XX/XX/XXXX that lays out all the details.
Consumer complaint received 2020-02-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have been very ill, and on XXXX for many years and paid little attention to a private student loan I took out twelve years ago in California to return to school to complete my degree. For years, I did my best to make interest only payments but did not monitor my loan accounts until I recently applied for a XXXX Discharge and discovered several " impossible errors '' with Navient 's online financial records and data. After months of research I discovered that a serious error has been made in regards to a Private Student Loan I took out with Sallie Mae ( now serviced by Navient ) in the Spring/Summer of XXXX to attend XXXX XXXX XXXX in XXXX, California. Navient claims that I took out two seperate loans in the amount of {$4500.00} each but I think this is 100 % inaccurate since I attended the school only halftime both term and there is no way that Iapid {$9000.00} for three course. Navient has mailed me photocopies of what they claim to the original promissory note, however I am almost certain that the note has been altered, and was either lost and re-typed, or who knows? Impossible to believe but I can prove without any doubt that they have made other " impossible errors '' with my accounts. The promissory note has my phone number lister incorrectly two times out three times I was required to list it, and is completely blank in the section ( Section D ) that the school and the school 's financial aid were required by law to fill out. Yet there are no signatures, no names no official stamps, no loan disbursement dates on the note. The school section is 100 % BLANK. Unfortunately too many years have passed for me to check my own personal bank records to verify deposits I made during that time, so I require my entire student file from XXXX XXXX XXXX, along with a Student Ledger, and any copies of anything I may have signed 12 years ago to properly review, research and audit everything anything connected to my return to XXXX XXXX XXXX in XXXX, and the loans I am being told that I owe. HOWEVER ... despite multiple efforts by both myself and a Navient Customer Advocate to reach the school, multiple messages since XXXX of XXXX, multiple e-mails to the registrar, accounting, and the Director of Admissions ( a kind lady who knew me back in XXXX XXXX, NO ONE FROM XXXX XXXX XXXX has returned a single e-mail or phone call. I need help to reach someone at the school, anyone, who can help me get a copy of my student file and any/all loan information.
Consumer complaint received 2020-02-29
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: CITIBANK, N.A. (VA)

My husband died  in XX/XX/2019 after an XXXX XXXX. He was XXXX years old and a XXXX veteran. 
I called the 800 phone number on his credit card to close the account. I requested that the reward points on the account be awarded to me. I was told that only if I paid the balance on the card would I receive the points. I requested copies of the recent bills to confirm the pending charges. The balance was paid in full. 
I made numerous phone calls over several months to learn the correct process and mailing address to make a claim for the reward points. I received incorrect and conflicting information. One letter was returned undeliverable. 
A few weeks ago, I finally received a form letter indicating that I was never eligible to receive his reward points.
Consumer complaint received 2019-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

On XX/XX/ 2019, I received a call and email correspondence from Prosper Loan LLC/Prosper Funding LLC for a personal loan. I called the number in the email back and had a near 2 hour call with a guy who said I was approved for a loan and to proceed with bank account verification to obtain the loan. This included verifying my information that he already had as well as purchasing gift cards in the amount of XXXX $ and giving the information of the gift card to him. I was on the line waiting for the loan to be transferred to my account and it never happened. I called back to no avail, he did however call back the next day appearing in good spirits and denied it being a scam, which it completely was
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my Equifax credit and need them remove please. Have send the banks and Equifax fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} XXXX XXXX  ( Not my accounts ) XXXX Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX  XXXX Account number XXXX
Consumer complaint received 2021-08-31
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. (MD)

The attachment belows shows that I have a 59 % and also feels at the bottom that once I get to 40 % my loan balance will no longer be negative score factor. But some how Experion its keeping the loan balance as a negative which means I have not paid 40 % while showing the correct amount that I have paid 59 %. How it is supposed to work is once I get to40 % loan balance is to be removed. please correct because the credit tampering because experion wrongfully Named suggestions ( Score factors ) then use this suggestion that can not be disputed as real factors to destroy my score. But every time I ask the representative about score factors they referred to the ones on my file and not the ones call school factors. That are not on my file. The same file with nothing but the age of credit increase. Have been XXXX - XXXX to XXXX the same file give all these deferent number. Look at the timeline you will see Credit fraud Consecutively.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2020-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Approximately one year ago, I noticed that the automatic payments in my accounting software did not match the information on the Citizens One Home Loans monthly mortgage statement. I could not match their escrow amount with my escrow amount which is comprised of property taxes and property insurance. I began a process of attempting to determine the property tax and property insurance components of their escrow figure, but was unable to do so. I used their on line resources, but they do not provide the detail specifying the amount of property tax and property insurance for each statement. The consequence of this is that my goal of pay additional principal each month has been thwarted and now I am not where I wish to be with the outstanding balance. This is beside the point that I still have not received the monthly breakdown I have requested. 

My first request for this breakdown was on XX/XX/2019, and was made to my loan officer, who has been very good at responding and attempting to help. In fact, he is the only one at Citizens who has been responsive. 

Since that time, I still have not received this information. 

I have spoken to their office in XXXX XXXX, VA which I was referred to. All they did was provide the exact same information that I could ( and did ) download from the Internet. More recently, I was in contact with the Rhode Island Head Office in XXXX, RI. A XXXX XXXX, who works for XXXX XXXX XXXX, Chairman and Chief Executive Officer of Citizens Financial Group , Inc.. I asked her for the breakdown information, and she refused. I asked for her to send me a letter to that effect and I would forward it to the CFPB. She said I could expect the letter in up to ten days, once it was approved. I called twice after ten days and left messages asking for the status of the letter, and asking her to call me. She did not return either of my phone calls. I then sent an email to Citizens stating that I was taking this action against them.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

According to the XXXX an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2020-02-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MI)

To Whom It may concern I have included the following a escrow Analysis statement dated XX/XX/2020. 
I currently have no shortage in escrow. 
This is what they project to happen in the year of 2020 They are demanding a XXXX payment. 
They are charging way more then the two month that is required. 

What Are Escrow Advances? 
Any time the lender has to pay for items such as taxes and insurance and there is not enough money in the escrow account ( or there is no escrow account yet ) that is an escrow advance. That advance amount becomes a recoverable item within the escrow account and the monthly payment will be adjusted to recover that over a period of time, usually one year, sometimes less depending on the amount. according to Round point mortgage i currently have no shortage in escrow. 
when i spoke to them on the phone on XXXX they said well when we pay your taxes in XX/XX/2020 we will be short. 

They don't know what the escrow is going to be if i will fight my taxes on my house because XXXX hasn't arrived yet But, my escrow payment is only recalculated once a year. That meant they are collecting in advance when the insurance payment might be lower and so might be the taxes and they haven't paid anything out on my house until XXXX according to Round point. 

The lowest amount held in escrow at any time of the year should equal two months ' escrow payment. That two month cushion is required to ensure that there are enough funds in escrow to cover potential increases in taxes or insurance premiums and is authorized by RESPA, the law governing escrow accounts.
Consumer complaint received 2020-02-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : Account name XXXX  XXXX XXXX Account number XXXX
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC 's behavior is illegal. HSBC has violated regulations. 
Please HSBC to abide by the regulations and safeguard the rights and interests of customers. 
HSBC should immediately submit a dispute appeal to the store for me and ask the store to submit supporting documents.