davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
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 (MD)

I presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer. 
Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine. 
Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half. 
Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$630.00}
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a long-term checking account and credit card customer of Bank of America who consistently pays off his credit card balance in full each month to avoid all monthly interest charges. In XX/XX/XXXX I contacted the bank to see what bank products were available to me to pay off at a lower interest rate a high interest ( XXXX XXXX ) installment loan of {$15000.00} I had with a credit union where I had an established line of credit. After discussing the possibilities with a bank employee, I thought that I would be getting a bank transfer for which I would pay a transfer fee of XXXX XXXX  of {$15000.00} for a total of {$15000.00} with the understanding that no interest would be charged on that amount provided the {$15000.00} was paid in full by XX/XX/XXXX. On XX/XX/XXXX, {$15000.00} was deposited into my checking account and on the same date, I wrote a check to the credit union for {$15000.00} in full payment of my installment loan with the XXXX XXXX. Since I planned to continue my long-standing practice of paying my credit card balance in full each month, I expected that, provided I paid off this {$15000.00} by XXXX as I intended, I would continue to avoid any interest charges. 
Given that expectation I was surprised to see my credit card statement for XX/XX/XXXX included an interest charge of {$18.00}. When I discussed this interest charge with the bank : first on the phone with customer service and then in person at my local branch in XXXX, XXXX with the assistant branch manager XXXX XXXX, I was eventually told three things. First, in fact, I had a direct deposit cash advance rather than a balance transfer. Second, one feature of a direct deposit cash advance is that interest charges start accruing immediately on my credit card charges until the {$15000.00} is paid off in full. As a result, in addition to the {$1800.00} interest already charged, I should expect interest to be charged on any future charges against my credit card until the {$15000.00} is paid in full. Third, in a recorded phone conversation with a bank employee prior to this transaction, I am told by some bank employees that I understood and agreed to these terms. XXXX XXXX XXXX, the asst manager, was able to listen to an excerpt of the recorded conversation but did not hear me agree to anything. In fact, after agreeing to the {$450.00} transfer fee, I know I would never knowingly agree to any additional charges.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MS)

In XXXXXXXX XXXX XXXXXXXX, I XXXX XXXX applied for a loan with One Maine Financial, while finishing up the paperwork I was asked if I would like to add unemployment insurance on the loan for a fee, I agreed to add that on. In XXXXXXXX XXXX XXXXXXXX the company I worked for closed down, and since then I have been going back and forth with the sate of XXXX  and XXXX to determine what state to file in, finally in XXXXXXXX XXXX  XXXX, I was directed to file for XXXX  unemployment. As soon as I was able to file I reached out to One Main Financial to get my unemployment insurance applied to my loan. Since then I was sent an email with paperwork to be filled out an returned which I did the same day. 
This morning I get a call from One Main Financial stating that I must provide more information regarding my claim, when I called I was instructed that I will need to prove that I worked at least XXXX the week of XX/XX/XXXX, when I asked what for I was told that in order for the insurance to kick in I would have had to work at least XXXX the week I took the loan out, prior to taking the loan I provided them with 2 months of check stubs from XX/XX/XXXX to XX/XX/XXXX, but they need XX/XX/XXXX to prove that I worked at least XXXX. To me it seems unfair and deceptive that I was sold a policy that I may not have been eligible to use.
Consumer complaint received 2018-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NV)

In XX/XX/XXXX - I contacted Navient regarding the status of my account. The representative informed me that it was past due and suggested I applied for an income driven repayment plan. I did as he suggested, over the phone with him, and we didn't disconnect until it was successfully submitted. He stated he would take care of the past due and bring my account back to good standing. At this point, nothing negatively had been reported to the credit bureau.

XX/XX/XXXX, I called in because my credit score dropped XXXX points. This was reported to the bureau on XX/XX/XXXX. The status of my account had been changed, according to the credit bureau, and my Navient balance had gone up nearly {$10000.00} over a 2 month period. I've been out of school for almost 5 years, this has never happened before! Neither was this explained that this was going to happen or that's in depth, what he was doing that day ( XX/XX/XXXX).

The representative stated that no later than XX/XX/XXXX my account would be updated and it'll return to as it was. I was furious because I informed him that I should've been on an income repayment plan by that point. I logged into Navient.com while on the phone with him and sent the proof that I'd successfully completed the documents while on the phone with the representative in XX/XX/XXXX. That means that in XX/XX/XXXX, my account status should've changed from " forbearance '' ( although I had no knowledge thats what it was under ) to " Income Driven Repayment '' ... They had not processed the application. 2 months, and they had not processed the application!

So XX/XX/XXXX, after speaking with him and he reassured me everything was fine, I got an email XX/XX/XXXX that my " Income Driven Repayment '' plan had been approved and in full effect. This was my second time doing so.

I called in today, XX/XX/XXXX, and was told that upon them fixing the error, the status of my account would go into past due. How can my account leave " IDR '' plan, to a past due status all because of them?! I'd be forced to make the payment. This is totally unfair, their error, their scamming, and no one to aid me. Please help me with this!
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a XXXX XXXX added to my credit report in XXXX which led to a decrease in my credit on all the credit reporting bureaus. I recently reached out to the Creditor to confirm an error in reporting, paid the Creditor directly after the resolution and agreeing that they'll send a notice to the collection agency ( XXXX ) to have it removed. The collection agency reached out to the credit reporting bureaus, only XXXX had updated my record and increased my credit scores but Experian and XXXX have both refused to effect a change in my score even after removing the collection item from my record. They stated that a removal of a collection doesn't guarantee an increase in credit score and I'm confused because if the addition of a collection item to my record could lead to a decrease in my Credit Score, shouldn't the removal result in the increase? How is that a fair reporting and justice on my end as a consumer.
Consumer complaint received 2018-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WA)

On XX/XX/18, I sent freedom mortgage an email requesting 12 months of mortgage payments deferment under section 8 because I was fired from my job XX/XX/18 ( documents provided to them as proof on XXXX ). 

The request for deferment was denied by freedom mortgage on XX/XX/18 because they don't do deferment.
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX  XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to any XXXX XXXX XXXX if the person knows or has reasonable calls to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Chase freedom card was hacked on XX/XX/2022 to XX/XX/2022 and he used about {$1800.00} and the credit card fraud unit came back at me and told me that a person from your IP address used this card ending in ( XXXX ) and charging your card {$4.00} for 6 days to {$1800.00} and above so they said if I can prove that I did not use XXXX and XXXX XXXX we will drop the charges ad i will not be liable, It took me a few weeks to figure out how to do that but I got it and they talked to me a day ago and said now that I got the info they wanted was not enough for them and now they want phone records of my cell from them from the XX/XX/2022 to XX/XX/2022. So I sat on the phone and tryed to pull that up but it only goes back so far and my records are deleted and only shows a month and a few weeks only. I need help with this Chase Freedom credit card XXXX to delete the hacked money that was used to XXXX and XXXX XXXX. I was hacked 6 to 8 months back and I asked to not let any charges go to XXXX or XXXX XXXX and block them for me and they said they would but they did not and now they want money that was hacked from my card that I caught in a week and I went through my email and found one notice on the XXXX of XX/XX/2022 and I hit that was not me and I called them and this is how it started. XXXX XXXX ( XXXX ) ( XXXX ) XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I applied for an XXXX XXXX thru XXXX XXXX. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found XXXX XXXX had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called XXXX XXXX ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers XXXX XXXX  this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at XXXX XXXX reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.
Consumer complaint received 2022-05-18
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. (PA)

requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent another letter on multiple occasions. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2023-07-24
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: Atlanticus Services Corporation (OH)

Back in XX/XX/2023 my aspire card was closed after I filed a complaint for fraudulent charges on my card. The people at the call center were rude consending and arrogant. At first they said I was responsible for the charges and they refused to help me. After complaining several times they removed the charges but also closed the account. I was always in good standing with them and never late on a payment. Their was an issue with language barrier when calling in getting them to listen me. Theirs no reason that their card was closed. They keep sending me correspondence saying that a new card is on the way but nothing has shown up.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Mohela. Requested refund on XX/XX/XXXX. Said it would take 30 days. Called back XX/XX/XXXX, waited HOURS on hold, for them to say it should be soon. Called back & now its 60 days!
Consumer complaint received 2018-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

As of two weeks ago XXXX is threatening to garnish my wages. I told them as well as showed them photos that I was XXXX XXXX XXXX XXXX XXXX   and have been in the hospital for two weeks now and that Ill be on XXXX for six weeks once I get released from hospital. I told them that if they were to garnish my wages I would not be able to pay for my prescriptions or for my place to live. They keep asking me if I could give them some form of payment no matter how many times I told them thats its impossible at the moment and they still kept asking me about some form of payment.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

showing late which it shouldn't be showing late payments for the account number listed below. Experian haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 


XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

showing late which it shouldn't be showing late payments for the account number listed below. Transunion haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NH)

I have submitted documents to apply for an income-driven repayment plan 4 times.   The company keeps replying they ca n't read the documents I sent  ( they were scanned and sent in two different formats. ) The last time I submitted paperwork they replied Asking for a document I already submitted. They keep delaying my application in order to add more interest to my debt. All the documentation was properly submitted, and I have the emails to prove it. Nelnet is maliciously delaying the process.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number :
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.