davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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: FIRST HORIZON BANK (TN)

I purchased a diet pill online in XX/XX/XXXX. It apparently had an automatic renewal in the purchase. When I received another bottle ( I hadn't used the first bottle ), I checked my statement and found the purchase on there a second time. I went to the package and there was no invoice or info for me to call and cancel. I did not receive an email from the company to use to cancel. I do online banking and looked at the transactions online and there was no contact information for the company there. I contacted the card company and claimed this as fraud since I had no ability to dispute the charge or cancel. The representative indicated that they would not consider this as fraud since I made the initial purchase ( I did not dispute the first charge, just the subsequent one ). I received a letter from the card company ( photo of the letter attached ) saying they wouldn't consider it as fraud and my only recourse was against the merchant. This, obviously, upset me since I had no apparent way to contact the company. The representative indicated to me that my only other recourse would be to cancel the card and get a new number so that the charge couldn't come through again. I was reluctant to do this because I have recurring purchases on the card and I would have to go online to a dozen places to change out the credit card number. Since I started this process with the card company and before I received their letter ( today - XX/XX/XXXX ), another charge came from the company ( dated XX/XX/XXXX ). The card company also did not provide a provisional credit for the XX/XX/XXXX charge that I was disputing. The original charge appears to have been XX/XX/XXXX. I decided I would go to the CFPB website and dispute, so I went to look at the .pdf of the statement. On the printout of the statement was a phone number, so I called that number and, it appears, this charge will no longer come. My complaint is for the XX/XX/XXXX charge from XXXX, as well as the XX/XX/XXXX charge that came while no provisional credit was made and since Visa did not attempt to contact the merchant. Also, I note that the online transaction showing in my First Tennessee online banking ( this is a First Tennessee Visa ) did not include any contact information for the company. When I talked to the representative, I indicated the fact that I had no way to contact the company. If that phone number were available on the transaction, why did he not give it to me to call? If this call ends up having taken care of things, I could have made the call before the XX/XX/XXXX charge came through. I can provide copies of the statements if necessary.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2019-06-25
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. (PA)

My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XX/XX/XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was six days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from XXXX XXXX I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XX/XX/XXXX I was alerted to a negative credit item on my Experian credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (GA)

I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX XXXX back in XXXX and received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I lost my job and became delinquent in payment. I entrusted XXXX XXXX XXXX to consolidate my credit cards and they dropped me as a client. All of my creditors came in on me. US Bank National Association turned my account over to XXXX XXXX XXXX, XXXX. to collect payment. I immediately contacted them by way of phone to offer some sort of payment. I started sending in " good faith '' payments. They are not willing to make a realistic settlement agreement with me. Why?, I do not know. They proceeded to take me to court. My court date is scheduled for XX/XX/XXXX, at XXXX XXXX. 
I received requested paperwork from XXXX XXXX XXXX, XXXX. on XX/XX/XXXX, concerning my account history with blackened out account numbers. I requested copies of my account transactions for XXXX XXXX ending in XXXX, from dates ranging from the initial opening of my XXXX account to the closing of my XXXX account. I requested copies of my US Bank National Association Credit Card ending in XXXX, from dates extending to the transfer of my to XXXX XXXX XXXX, XXXX. XXXX  XXXX, for collection. I only received a partial part of the paperwork, that I requested with the account numbers blackened out. What is the Law Firm trying to hide. There are some fraudulent activities going on. The firm is hiding information from me. What other information has been altered in order to squeeze my hard earned money out of my pockets. 

Please Investigate this matter, Thanks, XXXX XXXX ( Formerly XXXX XXXX )
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Consumer complaint received 2022-12-14
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. (FL)

The balance on my auto loan with XXXX XXXX is {$9600.00} and Transunion is stating the balance is {$11000.00}, it's not and I want them to correct my report immediately.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a complaint against TransUnion Consumer Solutions regarding their failure to conduct a thorough investigation and provide detailed information as required by the Fair Credit Reporting Act ( FCRA ). 

I disputed certain information on my credit report with TransUnion, and despite their acknowledgment of the dispute, I received a response that lacked the necessary details about their investigation. Then I requested more details of their investigation, and they only began the investigation process all over again and ended up with the same vague result. 

I am specifically concerned about : 1. The lack of detailed information regarding the methods used to verify the disputed information.

2. The absence of names and contact information for third parties, creditors, or data furnishers contacted during the investigation.

3. The failure to provide specific documentation or evidence used to verify the accuracy of the disputed information.

4. The absence of any statements or notes related to the investigation, including the date and individuals involved. 

I believe that TransUnion has not fulfilled its obligations under the FCRA, they have abused the dispute process and continue to fail to conduct a thorough investigation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly as I have received adverse actions based on these inaccurate accounts. I have been affected by the XXXX data breach, as well as Identity Theft so it is TransUnion grave responsibility to comply with the FCRA. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-25
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. (UT)

XXXX, XXXX and TransUnion are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my accounts.
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I was trying to make a check withdrawal XXXX {$150.00} XXXX from my papal account. The PayPal system ( once again ) won't allow me to make a check withdrawal. I have made check withdrawals many times via PayPal in the past. This is still an option on the PayPal system. No information has changed on my account. 

I had an identical problem three months ago with PayPal and I filed a complaint with CFPB. The problem was resolved when PayPal sent me a code to verify my phone. They seem obsessed with verifying phones and tracking people via their phone. They can see that I called from my phone, yet they still insist on sending me a text code. This is insane. I don't have a smart phone. 

Each time this recurring problem happens with PayPal they seem want me to " jump through another hoop '' just to withdraw my little funds.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have two typical credit cards from Capital One and they are both showing a past due payment mark for XX/XX/2017 on the credit agencies reports. 
All other payments have been on time and I have no recollection of any being made late. 
I believe these were reported in error as all other accounts I own were also paid on time that same month, and every month. 
I reached out to Capital One by phone, they were not helpful, I was on the phone for about 45 minutes, put on hold several times, but the customer service rep eventually agreed to file a dispute for each, but then explained that it could basically take months before they will reply. Never asking me for any other account information, etc., I'm not sure this will be resolved by them, not even sure if the disputes were actually filed, so I am asking for assistance. 

Thank you.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (GA)

REACHED OUT TO XXXX, EXPERIAN, AND XXXX IN A XXXX OF XXXX TO DISPUTE VIA PHONE OR ONLINE TO HAVE THIS REMOVED AFTER BEING DENIED FOR A HOME A PROVIDING PROOF THIS IS INACCURATE REPORTING AND THIS INFORMATION WAS NOT FURNISHED BY THE COURTS. THEY CAN NOT TELL ME HOW THIS WAS PROVIDED AND WHO GAVE THEM THIS INFORMATION SO, THIS SHOULD BE REMOVED.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Servis One, Inc., Titusville, PA Branch (FL)

In XX/XX/XXXX in the aftermath of Hurricane Irma, XXXX XXXX offered six month payment forbearance to residents in Florida impacted by the catastrophe. We accepted, received the agreement to begin payments in XX/XX/XXXX. We continued to receive late notices and additional late fee statements, called in and spoke with the individual with whom we had originally discussed the agreements and were told to ignore these as they would be updated after the end of the agreement term. We also exchanged several emails in this regard. In early XX/XX/XXXX I phoned her again to see how we should begin making the payments as we were told not to send them in the advice envelopes, and was told they were not ready yet to receive these payments, that we should not send until XX/XX/XXXX. They had not been prepared for the volume. So in Mid XX/XX/XXXX, we mailed the XX/XX/XXXX payment to the address we were given via email from XXXX XXXX at XXXX Mitigation. We continued to receive late notices with an amount past due in excess of {$19000.00}. The check for XX/XX/XXXX and XX/XX/XXXX cleared our bank account, and around XX/XX/XXXX, we started receiving calls as to why we had not made the payments. Ultimately, the caller had to admit they did have the payments an apologized for the two calls ( latest was Thursday, XX/XX/XXXX ). In addition, an appraiser showed up at our home unannounced to 'check things out ', which was a total shock. Now, XXXX has reported 120 day past due to all the credit reporting agencies for both me and my wife. Our credit rating has been stellar and this is not only embarrassing, but it has caused us to have to hire legal help to get it resolved with XX/XX/XXXX. They have handled this so poorly from the very beginning, and now they are harassing us mercilessly.
Consumer complaint received 2019-06-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, I filled out an application to have my IRA transferred from Citi Personal Wealth Management to Citibank Retirement Services. It has been six weeks and the funds still have not been deposited into my account. I have lost approximately {$570.00} of interest. Since these two institutions are one in the same, it should not take six weeks.
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

My wife and I were in the local mall and stopped in a XXXX XXXX   we were approached by a salesman and my wife showed me a ring she really liked. The saleman told us it was on sale and the store had a promotion whereas we could apply for store credit and get a no interest for three years. So we applied and he told us we qualified for both the store card and the promotion. We bought the ring and had it sent out to be sized. When we came back to pick the ring up the same store clerk told us there was a problem with the no interest part and that we had to call the credit department. We tried multiple time to get this strait and then were told that the purchase was not enough to qualify even though the store told us otherwise. Then we were told the store was closing and they do not take back merchandise. I feel this is a bait and switch technique and should be illegal. I am a XXXX veteran and my wife has XXXX we can't pay the monthly bill as it is now 3 or 4 times higher then the XXXX a month we were told. I just fixed my credit a year ago and now it will be ruined again. I have documents but no way to add them at this time. Thank you, XXXX
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (NC)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2016-08-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Tuesday, XXXX XXXX I used Bank of America 's mobile app to make XXXX payment to my Bank of America credit card from my checking account of the same bank. Today, XXXX XXXX, I checked my account and was surprised to see that not only had my payment cleared completely, but XXXX duplicate payments of the same amount were then pending. I called my bank 's card services and they advised me that I would have to wait until the transactions had cleared before calling them back to fix it. So, in essence, they 're saying that they can drain my bank account without my knowledge and then only if I catch it and the damage is already done can they do anything to fix it. This sounds very dangerous for consumers, and I can only hope that they actually fix it once the unauthorized transactions have done their damage.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

I have been a customer of Navient ( originally XXXX XXXX ) for a number of years. They have continued to push for forbearance ( even with the interest still accruing ) when I told them I could not afford current payments. This has happened several times over the years.They also do not allow me to enter an income based repayment plan because they said it is a " private loan ''.
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

I finished XXXX school in 2008, straight after XXXX, right into the recession. 

I had a 2 year forbearance, and then did 4 years or so of income based repayment. The IBR barely covered the interest on my loans, but I had been told by XXXX XXXX XXXX ( XXXX XXXX at that time and XXXX ) that as long as I was in IBR I would qualify for Public Service Loan Forgiveness. I called multiple times for information and was *never* told my loans needed to be consolidated for that to happen. 

I also talked to government officials, who did not relay that information to me. And the resources online, at that time, were very unclear about how the process would work. 

I was failed at every step of the way by government, and especially by the student loan companies. 

I should now be on my way to loan forgiveness, but because of either ignorance or willful misinformation, I am not. 

I found out about 3-4 years ago the payments I made had n't qualified because my loans were n't consolidated. By the that time, with my new salary, my loans would be paid off under a standard 10 year plan anyway, so there was no point in going for PSLF. 

In addition to that major issue, XXXX XXXX applied late fees and incorrect payments numerous times to my accounts. They also did n't process my requests for forbearance or income based repayment in a timely manner and I had to follow up multiples of times.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.