davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
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. (CA)

We got the Citi Premier Card, which had a promotional offer ( XXXX reward points after spending {$4000.00} in the first 90 days ). 

WITHIN the first 90 days, we spent {$4000.00} and called Citi and spoke to a Citi Thank You Points representative, who represented and confirmed that we met the conditions to receive the XXXX reward points and that we would receive the XXXX point after the billing cycle was complete. In reliance of the Citi representative 's representations, we stopped using the card. 

AFTER the first 90 days was complete and the following billing cycle passed, we checked our account and did not receive the XXXX points. When we called Citi, the representative advised us of the complete opposite : that we didn't meet the conditions to receive the XXXX reward points. In fact, the Citi representative told us we didn't meet the conditions by {$8.00}. The Citi representative acknowledged the mistake by the last representative and told us to file a claim. We filed a claim over the telephone. 

We have called Citi multiple times and waited on hold for hours and hours to followup on the claim and have finally been verbally advised that the claim has been denied. We have been given no basis for the denial - and we keep getting the run around. In fact, on XX/XX/2020, after being on hold for 1.5 hours for three times, each time after the Citi representative purposely hangs up the phone - we still do not have any explanation for the denial nor any relief for the fact that a Citi representative told us we met all the conditions. 

I am astonished that a bank can make representations which are completely false and get away without giving its customer the rewards that they promise.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-28
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. (TX)

I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.
Consumer complaint received 2020-03-16
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. (IL)

I am not the originator of the item below. It should not be on my credit report. 


XXXX XXXX XXXX XXXX {$1000.00} not mine
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I requested information from this creditor on ( XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were appliedXXXX XXXX  allocation of payment.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (WA)

In XXXX of XXXX, I received a letter from Barclay 's Bank regarding our Wyndham Rewards Visa card. I were informed that our account was past due and that they had attempted to reach us. I immediately paid the bill in full, as that is our consistent practice with all of my credit card bills, but when I checked our billing history ( they email me our statements ) I realized we hadn't received an electronic bill from Barclay 's since XXXX of XXXX. I immediately closed the account as I had lost confidence in Barclay 's ability to properly manage this account ( I had a previous incident where they had misapplied my payment to another account and held our account in arrears until they could find their error ). Barclay 's then notified the credit bureau of the delinquency and my credit went from excellent to fair. I have tried to reach out to Barclay 's to have them retract the reporting as it isn't fair that I should be penalized for two months of late payments when they never billed me for those two months. Barclay 's only suggestion was to reapply for the credit card.
Consumer complaint received 2020-03-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am a XXXX XXXX veteran who banks at Navy Federal Credit Union and I qualify under the federal mandate, Americans with Disability Act. In early XX/XX/2019, I tried to take out a second line of credit on my home. I was going to use a portion of these funds to help make my house more XXXX   accessible for my XXXX. Currently, my home setup exacerbates my health conditions. Over the next 3 months, I begin to see firsthand that the largest credit union in the United States, with over XXXX employees, the one that handles all our military and veteran banking needs is non-ADA compliant. From its website design, to their untrained employees, customer forms, directions and even their instructions all violate the XXXX XXXX XXXX that all business and public entities in the US must follow. The report that follows will show that Navy Federal Credit Union fails to adhere to the XXXX federal mandate. When finally confronted with the problem Navy Federal Credit Union then denies services and creates additional barriers to service, to eventually retaliation, where they locked me out of my account, keeping me from my Federally protected VA XXXX funds that I receive. Navy Federal Credit Union failed to trained their employees, nor hire a trained individual with XXXX expertise to ensure their companies compliance. By failing to do so, Navy Federal Credit Union has built an info structure that discriminates against people with XXXX. This should be alarming and troubling to every single American. The very people who are out their putting their lives on the line to protect and uphold the laws that govern the American people. These people who made the ultimate sacrifice and end up becoming injured because of their service to their country, these are the people Navy Federal Credit Union are exploiting and taking advantage of by not being XXXX compliant. With over XXXX employees hired to handle our Military and veteran Banking needs, they should be setting the standards in the banking industry and as a country we should demand it.
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/20 an XXXX was sent to the account in the amount of {$89.00} and didn't display until XX/XX/20. This caused a double payment to be made on XX/XX/20. This was resolved with the merchant and Bank of America was informed of the pending return. Dispite this mistake the account displayed positive {$27.00} through to XX/XX/20, which was when I discovered the error and contacted the merchant. At the same time, and most crucially, a payment of {$140.00} finished processing from the day before. The next day on XX/XX/20 the account received a fee of {$35.00} post-dated for the XXXX that the completed payment was going to be returned because pending transactions, including the disputed {$89.00}, had overdrafted the account. I informed the bank of the discrepancy and was informed that they would be returning the fee because of the error ( the check or returning a payment on a positive account ). After the weekend ended I inquired about when the returns would be made as, because of new transactions for less than the returning amount, they were still overdrawing the account even factoring in deposits made to the account and the pending return. I was informed that they would not return the money until the next day, overdraft fees would still be assessed, and that now the return of the fee for account errors was being denied ( and now all responsibility was soundly not theirs so the promised return was based only on a whimsical " relationship voucher '' that I apparently no longer qualified for ). 

So I'm making the complaint for the mismanagement of the account, the fraudulent fee, and and future fees assessed on the account because the returns aren't being made on a timely manner. 

I'd also like to note that this is NOT the first time I've had to report this bank for mismanagement of my account and the payment being returned is the third time my bank has specifically targeted payments from that merchant, another bank, causing the account to go into collections on XX/XX/20 because of returned payments.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Bank and XXXX XXXX XXXX are fraudulently reporting on Saturday, XX/XX/XXXX in Credit Report a COLLECTION debt under fraud account # XXXX, opened on XXXX XXXX, XXXX in the amount of {$4100.00}. I do not owned an acct. with Capital OneXXXX XXXX XXXX. I have an acct with Capital One and pay as agreed on the XXXX of each month between {$65.00} - {$75.00}, balance owed {$2600.00}, credit limit {$2800.00} and account not in Collection. Capital One had fraudulently violated my rights under the Fair Credit Reporting Act and Collections Practice Act and after disputing fraudulently debt against Capital One Bank and attorney XXXX XXXX XXXX, garnished my wages of Commercial Local State TaxeXXXX under my employer XXXX XXXX XXXX of XXXX percent Biweekly between {$2800.00} through {$3000.00} in XXXX, XXXX taking entire check after government shutdown except {$55.00}, and again Commercial Local State Taxes in XXXX. Capital One Bank and XXXX XXXX XXXX XXXX  garnished my wages of XXXX percent biweekly and did not give me a receipt of garnishment and the Equal Employment Opportunity Commission ignored issues and did not investigate complaint filed in XXXX, XXXX and XXXX.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

The bank company recently switched how consumers are to pay down their line of credit. At first I was locked out of using their new payment system until I agreed to new terms and conditions. The 11 pages of terms of use were confusing and convoluted - So I called in and asked for an explanation which was provided stating that this was only to change their fee schedule and amounts. However on follow up I still wasnt able to make payments down to zero due to the interest nature on this account which previously I had no problem in settling. Now according to this new process it is mandated that I carry a balance with no easy way to settle the account.
Consumer complaint received 2020-03-27
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. (CA)

XXXX XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.
Consumer complaint received 2023-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Our mortgage was held with Wells Fargo. We tried to get help to keep our house through either payment delays or any other means possible but they denied us. I was directed to notify them due to their settlement over a class action lawsuit. We ended up losing our home to foreclosure and were forced to move out. We lost our home in XXXX of XXXX.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Hello, XXXX, XXXX, & XXXX law firm and Capital One Bank are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to TN in XXXX from the state of NJ. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the NJ court system during a declared state of emergency in both NJ and TN. Upon figuring out what was going on, I attempted to call XXXX, XXXX, & XXXX to resolve the issue and they informed me that they would send the accounts back to Capital One, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2020-03-27
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. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/2020
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 I called Bank of America concerning a transaction regarding a company called XXXX XXXX. The first call was made at : XXXX XXXX and lasted 15 min 44 sec. The customer service rep was not cordial or helpful concerning my situation. So, I called back to Bank of America the second time the call was made at : XXXX XXXX. I spoke with a Bank of America customer service rep out of New York. I told her that I had a transaction that was due to hit the account that day but, my account was in the negative and that there was no way that I could change the due date could she help. So, she pulled up my account and said yes, that what she could do is take two of the overdraft fees that was on the account and credit them back to the account, then that would only leave the account in the negative XXXX  and some change. Then the rep stated that the bank allows up to XXXX dollars in over draft fees on my particular account so, with the two overdraft fees posted back to the account I would be ok to have the XXXX and some change post to the account for payment to XXXX XXXX. So, with that I proceeded to call XXXX XXXX back and tell them that it was ok for them send the payment through to my bank account. So, the rep tried not once but, three times to send the payment through and it continued to decline. At that point I called back to Bank of America customer service and asked to speak to a Manager or a Supervisor. Once connected to a Supervisor, I explained the situation and that's when he informed me that what the customer service rep had told me was incorrect! He then stated that he was sorry and that he would be sure to investigate the situation, I responded by saying, " I appreciate the apology but, that's not helping my situation the payment is due today and there is no way I can change the due date. '' I told him I've already spoken with the XXXX XXXX rep and told her that they could process the payment, and now I have to call them back to tell them that the info given to me was incorrect and there would be no payment that day. After being on the phone for over an hour and thirty something minutes, the Supervisor finally said, " if they can send the payment through as a recurring payment then the amount would post to the account and we will pay it. I then called XXXX XXXX back to see if they could send the payment through as a recurring charge, the accounts rep said, that her system does not give her the option to do that. So, as a result of Bank Of America lying to me as of XX/XX/2020 XXXX XXXX was added to my XXXX  credit report and has impacted my score tremendously! I've been working really hard at trying to boost my score and now Bank of America has within one day just ruined all my efforts! I then called again Monday XX/XX/2020 and spoke with the customer service rep XXXX with Bank of America to see if I could get some help but, I just got the same response!!! Please Help
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (CA)

Dear Staff at CFPB, I experienced fraudulent transactions on my XXXX  Mastercard which happened on XX/XX/2021 while I was asleep. I'm a currently a XXXX driver and I use their card that they provide to drivers. It is a Mastercard through XXXX XXXX  which XXXX use for their drivers to get their money to be deposited to their card after every ride. 

I have filed and call on multiple occasions for the amount of {$1000.00} to be refunded back to my account and they are refusing to refund me on time. They kept mentioning investigation takes 60 days through the XXXX compliance team before they can refund me, and it's been since XX/XX/2021 and it's XX/XX/2021. 

Those chargers were not made by me and I XXXX search the merchants myself and they don't exist at all. They mailed me a new card but I have not get my refund back yet. 

I found out through their representatives that their financial institution is not FDIC insured. 

Those fraudulent transactions were made by a merchant called ( XXXX XXXX ) Merchant name : XXXX XXXX : {$6.00} {$220.00} {$6.00} {$220.00} {$16.00} {$540.00} XXXX {$1000.00}
Consumer complaint received 2018-04-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This incorporation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from Navicent and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws.

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX v. XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 XXXX   XXXX XXXX XXXX Cir. Mich. 2014 ), 2014 U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC. (NE)

Every month when I pay my SOFI Cred card bill it takes over a week to update my available credit even after they've taken my money from my checking account!! Most credit cards update the same day or next day! This is beyond absurd!!