davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I signed up for the Bank of America XXXX XXXX Credit Card, first payment was in XX/XX/2019 and setup my auto-pay after that. Even then they charged me a {$25.00} late fee because it took more than 1 billing cycle to kick in. 

All other credit cards I have allow 2 options for Auto-Pay : 1. Minimum Payment 2. Statement Balance Bank of America has a 3rd option which is worded to appear as if its paying your balance but in reality its not : 3. Amount Due This checkbox is somewhere between Minimum Balance and Statement Balance BUT they dont pay the amount due, they only pay Minimum Balance plus any fees and then hit you with interest, keeping your balance going forward just like a minimum balance would do ... 

Im reporting this because I set my card and left it, thinking it was on auto-pay ( like all my other cards ) and three months later I just so happened to check on it and I had my Balance in full, not paid but with {$300.00} in interest charges. I have 750+ credit, always pay my bills on time and feel like Ive been taken advantage of. 

Can you help me recoup these interest charges and make sure they change their practices so others dont fall into this trap? 

I recently got married and went out of the country so a lot has been on my plate and I should have been better at checking this..I know this ... but even still, this is bad business.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NH)

Company reported inaccurate information multiple times I disputed the information multiple times on all 3 credit bureaus fixing it temporarily until they reported more inaccurate information the following month. My credit score dropped because of this. So I closed the account a month ago it showed as closed for the past month until today when it showed up as open again. I would like the company to stop reporting on my account because they have been closed I will take any action necessary to get them to stop
Consumer complaint received 2019-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

XXXX XXXX  issued an intensely high and very aggressive loan for a XXXX college- XXXX XXXX  XXXX college XXXX XX/XX/XXXX to myself. All portions of the loan were not discussed nor did I sign any type of promissory note. The loan application indicates they provide quarterly interest statements. 

In XXXX I began receiving calls from a loan company called Navient stating i had to pay back over XXXX dollars and my payments would only cover my interest. 

Upon further investigation I found that the loan that was dispersed to me personally was in fact a private loan that had been misrepresented to me by the school and XXXX XXXX. 

I have tried to work with the Navient company and they refuse to work with me in reducing this debt and also discussing why 10 years this loan was allowed to accumulate interest with no communication with the original company.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Kohl 's Charge Customer Service unable to solve a problem that was caused by them. Promised over and over again to remove a duplicate fraud charge made by one of their representatives for an item that was never sent to me and I was charged already a year earlier. - Endless calls and hours and hours of explaining this issue over and over again yielded nothing. 

Below is a fraud charge that I asked them to dispute over and over again - they failed to dispute it and treated me with disrespect over and over again. They admitted over and over again this was a duplicate charge that was never supposed to be charged to my credit card store account with them. MY ACCOUNT IS SUPPOSED TO have a balance of {$0.00}!! Kohl 's store card refused to provide any customer service. I called them 12 times about this issue, each and every time they agreed to solve it immediately, never happened. They do not obey the law, any credit card customers beware! 

XX/XX/19 ECOMMERCE # XXXX {$66.00} ( FRAUD TRANSACTION BY A KOHL 'S REPRESENTATIVE THAT LED TO ALL FURTHER ISSUES DOWN THE LINE : XX/XX/19 XX/XX/19 LATE FEE {$27.00} XX/XX/19 XX/XX/19 REFUND OF LATE FEES $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PURCHASES REFUND $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES $ XXXX XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES {$2.00} XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE {$38.00} XX/XX/19 XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00}
Consumer complaint received 2020-02-17
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. ()

A little while ago, I split for my emotionally volatile wife, I thought she used my XXXX to pay for some items ( XXXX  ) and I raised a complaint with XXXX  and XXXX  but XXXX never responded, I have quite a hectic life with 2 jobs and children along with lots of medical conditions and for a number of months they never responded to me, and I kept chasing up using resolver and they still never got in touch - I left my phone number on each one. After a period of time I got fed up of the problem not being resolved and I naively stopped paying which is something I regret hugely, at this point I also referred the matter onto the Financial Services ombudsman and when XXXX the representative contacted me he suggested not to start paying again until the investigation has been completed. Financial Ombudsman stated I was right, and confirmed my win however XXXX were allowed to register some late payments on my credit account, which I feel now is unfair, and is now scuppering my plans to get a mortgage. I have also had the amount on the account increased with late payments and interest added.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

XXXX credit card is reporting me for a balance of : XXXX XXXX XXXX Last reported XX/XX/2020 {$730.00} Reported balance Credit limit This is not my account. This is a result of fraud. They will not properly investigate this to remove this from my report.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXXXXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EXCEL FINANCE COMPANY (LA)

I already had issues with this company coming on my job and attempting to collect a debt I front of everyone including customers and threatening me and calling multiple times after being asked not to call ... threatening me with law suit on my job where customers and other employees could here my personal information..now they have did 2 hard hit inquires on my credit report without my knowledge or permission once in XX/XX/2019 and again on XX/XX/2019.. they are continuing to violate my rights and I want these hard hit inquires removed because I did not authorize them
Consumer complaint received 2023-03-20
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 am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting on my credit report.
Consumer complaint received 2016-07-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I reached out to citibank with my inability to pay due to lost of income and XXXX. I was assigned a home specialist every time I called I would be on the phone for over 1 hour and no one knew what they was doing. Now I was assigned a new home specialist XXXX he stays in touch however I am be asked to supply the same documentation over and over again. I think citibank process is to discourage consumer to not to help them. My processhas been going on for 2 months with no assistance in site.
Consumer complaint received 2019-07-06
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. (VA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Im dong this on my own behalf.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Im dong this on my own behalf.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX Advantage miles promotion. Promotion code : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. I still have not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you,
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

1. I state that I am the Defendant in this matter and contest the claims Of Plaintiffs assertions before this Court in the above-entitled cause. 
2. I strongly contend that the Plaintiffs Garnishment is invalid based on the following : A. I state that Plaintiffs did not properly serve me and that I was not aware of their summons and complaints dating back to XX/XX/2017. I was never served and did not RECEIVE ANY SUMMONS AND COMPLAINT AT THE address documents were alleged to have been served PURSUANT TO XXXX, Georgia Codes and Statutes. 


B. I state that this Garnishment has caused a severe and undue financial hardship upon me and my family. 

C. I state that there is even a jurisdiction question in this matter since it was originally filed in XXXX County. 

3. THEREFORE, I move this Court for Reconsideration and Dismissal of Affidavit of Garnishment. 

Respectfully submitted, /s/_______________________ XXXX XXXX, Pro se. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX [ L.S. ] I am contesting this matter on the grounds that the process of service was not served properly and the the amount shown on the complaint is NOT correct as to what it alleges that I owe. 
I state that I am suffering a severe hardship as a result of Cooling & Winters filing a garnishment against me in court. I have not been able to pay any bills such as my : mortgage notes, food, shelter and clothing for family, gas expense to and from work, and other financial obligations for livelihood!
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the last couple of months Ive been disputing this student loan with TransUnion and XXXX. I cant understand how I could be current on XX/XX/2015 but 90 days last the next month. I tried and tried to take care of this situation with transunion and XXXX but they keep validating this inaccurate reporting.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A. (MD)

On or about XX/XX/2018 I made a request to PNC Bank to refund an overpayment of {$8000.00} linked to my PNC credit card. As of XX/XX/2018 PNC has refused refund the {$8000.00}.
Consumer complaint received 2019-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlas Credit Company, Inc. (TX)

Atlas Credit Company opened a fraudulent account in my name after an individual stole and used my personal information. Atlas allowed this perpetrator to open an account with a printed paper ID and obviously forged supplemental documentation. The account was opened on or around XX/XX/2019. After identifying the credit inquiry and subsequent account opening Atlas was contacted and informed of the fraud. They were also provided a copy of the police report opened with XXXX Police with the accompanying Report # XXXX and the direct contact information of the Detective assigned to the case. After Atlas was notified of the fraud they confirmed they would flag the account and that my personal credit would not be affected. As of today they have not taken any action on this fraudulent activity and began reporting this fraudulent account as delinquent causing my credit score to drop from XXXX to XXXX.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

As a   XXXX   that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over  a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (GA)

I opened an IRA account in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which was located in XXXX XXXX, FL. According to my research, XXXX XXXX merged into XXXX XXXX Bank in XX/XX/XXXX, which later merged into or was acquired by PNC Bank National Association in XX/XX/XXXX. While reviewing some old tax records this weekend, I found an IRA Account Statement from XXXX XXXX dated XX/XX/XXXX. At that time the balance in the account was {$28000.00}. I have no other more recent records and never received a distribution from this account. PNC says it has no record of the subject account or my name as an account holder. I have talked to PNC, the Florida Dept of Financial Services ( escheat dept ), the FDIC and the OCC. My husband and I have lived on social security for over 20 years and are in poor health. Recovery of the lost IRA funds would be a XXXX sent blessing to us. Someone some where has to have record of what happened to this account, including while located at XXXX XXXX, as well as after it was acquired by XXXX XXXX and again when it was acquired by PNC. Where are my IRA funds now? I am praying that CFPB can help us.
Consumer complaint received 2019-07-06
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/GA Attorney General/Consumer Finance/XXXX ; Equifax. Report # XXXX. 
RE : Request to Block Unauthorized Charges from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$1200.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$0.00} XXXX XXXX XXXX ACCT XXXX XXXX AMT : {$0.00} XXXX XXXX ACCT : XXXX AMT : {$7000.00} XXXX   XXXX XXXX ACCT : XXXX AMT : {$1600.00} I have enclosed my FTC Identity Theft Report and a copy of my credit report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been conducted and concluded, with verdicts in my favor from XXXX  and XXXX, However, Equifax ( which is the Bureau  that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2019 XXXX