davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Loan Financial Assistance (NC)

On XX/XX/19, I received a call from a number that said I was eligible for loan forgiveness because I'm a XXXX  XXXX XXXX ( which I am ). I called the number back because I have heard of this program, and I was interested in more information about it. The man on the line told me that my federal loans were sold to a private company, XXXX XXXX, and that XXXX XXXX was charging me much higher interest than I actually needed to pay so that XXXX XXXX could profit. They told me that their company, Student Financial Loan Assistance, was connected with the Department of Education, and I believed them. They gave me a timeline of payments ( 3 payments of {$390.00}, 9 payments of {$200.00}, 120 payments of {$99.00} ). I gave them my bank account information and at their behest, cancelled my auto-pay with XXXX XXXX. After I considered this for a couple weeks before realizing ( luckily before it was too late to make a payment to XXXX XXXX ) that this seemed really suspicious. I contacted XXXX XXXX XXXX, and they essentially told me it was a hoax. My case number there is XXXX.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I opened a promotional offer in XX/XX/XXXX which offered a bonus award of {$400.00} if I kept {$15000.00} for me and XXXX $ to mi girlfriend in a checking account for 150 days. The 150 days was up on XX/XX/XXXX, but I have not received the {$400.00}. Three bank employees in two different branches have opened disputes files but nothing has happened. I opened the checking account at the XXXX XXXX,. branch. The manager XXXX XXXX is involved in this dispute but she is incapable of solving the problem. 

I give this bank a zero rating, and I've gone to another branch to ask for help. The banker there made a good faith effort to solve the problem, but to no avail. It is now 25 days after the money was due and nothing is happening. I've filed a complaint with the CFPB and with the Federal Reserve Consumer Help bureau
Consumer complaint received 2019-01-23
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. (MI)

I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XX/XX/XXXX and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all XXXX credit reporting agencies regarding this matter.
Consumer complaint received 2022-08-16
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. (CA)

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I was scammed by a company pretending to be XXXX XXXX XXXX going out of business, when I checked the company via email they told me that they do not have my order and that it was not a legit company it was a fraudulent transaction and I never received the items either, I messaged and disputed through cash app and they blocked my card and they can not tell me any information and will not give me a refund because all they do is read from a script they don't know how to do anything else, I provided them with the proof and they did not look at the proof I don't know what they look at they just repeat themselves over and over and over, they blocked my car like I was the problem when I was trying to get assistance from them
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IL)

I am writing to formally raise a concern regarding what I suspect may be violations of antitrust laws. On XX/XX/2021, I opened a Milestone credit card account with Genesis Financial Services, aiming to rebuild my credit. Recently, upon reviewing my account statements, I noticed a recurring charge of {$12.00} labeled as fees, persisting despite my regular payments. Although I was aware of the {$49.00

} annual fee, the monthly charge was unexpected and not adequately disclosed. Upon reaching out to Milestone Credit Card
customer service, now managed by Concora Credit, I was informed that this fee was mentioned in the fine print of the Terms and Agreement. However, I am concerned about the lack of transparency surrounding this fee and its impact on my account balance. Additionally, I sought clarification regarding whether interest was applied to this {$12.00} fee, but the response was not satisfactory.

Furthermore, I discovered that opting out of this fee requires submitting a written request to close the account, which appears unduly burdensome and disproportionate given the lack of prior consent to such terms.

I am deeply troubled by the potential deceptive practices surrounding these fees, which may violate consumer protection laws, including the Federal Trade Commission Act ( FTC Act ). Such actions by Concora Credit ( Milestone ) raise serious questions about the fairness and transparency of credit card operations.

I respectfully urge the Federal Trade Commission to conduct a thorough investigation into this matter and take appropriate action if any violations are confirmed. I am fully prepared to provide any necessary information or assistance to support your inquiry.

I am requesting a credit of {$170.00} and any interest accrued as a result of these charges. This is the amount of fees of {$12.00} I received since renewals of card. I am only aware of {$98.00}. How is a consumer able to pay down an account that they are basically stuck with until a written letter is sent and full payment is made.

I have also submitted a complaint to the FTC. The Report Number is XXXX. 

Thank you for your attention to this matter. I eagerly anticipate your response.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CT)

I received a promotional offer for Wells Fargo XXXX XXXX. It offered 0 % for XXXX  months and 18.24 % APR after that. I applied online and received approval with a 24+ % APR. I called but got no explanation so I tried to cancel and spent XXXX hour of juggling. They then said to call back.
Consumer complaint received 2020-09-15
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. (CA)

Ive had numerous complaints with this company. Last month I paid my normal payment one day before the due date, the total was {$490.00}. 25 days later I was called and told I still owed {$10.00}, this wasnt true my payment and contract states my monthly obligation of {$490.00}, I was forced to pay the {$10.00}, and late fee of {$35.00}. This means this company continues to force me to pay fake fees and adds late fees whenever they see fit. 
On XX/XX/XXXX, my credit report indicated I owe {$13000.00}, I havent been late ; Ive made XXXX payment and XXXX payment and my updated credit report shows I now owe {$14000.00}. This means despite paying {$490.00}, my entire account balance increase {$300.00}. This company continues to do fraudulent stuff and I cant continue to absorb this cost. Please help!
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (TX)

American Express reported that my account had been settled on XXXX. They sent me a statement and letter stating I was past due on my account. I called today, XX/XX/19 to determine what was going on and paid the balance in full not knowing that they had already reported that the balance on my card was settled under my bankruptcy. Unethical ... all for {$130.00}.
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

I tried to log into my  Coinbase accou nt to check the balance while I was on vacation in  XXXX . They locked my account and have n't restored access and it 's now bee n 2  weeks.     I have contacted the company repeatedly and received no response.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

After having a XXXX XXXX I tried to be added to my mothers lease so that she can take care of me while I got better. They told me to turn in my application and once her rent was paid they can add me to the lease. This was during XXXX & she was getting rental assistance but the apartments were refusing to go pick up the check from the rental assistance office. So we found another apartment to move to, I never moved into that apartment or signed a lease or any documents.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I received a notice from Capital One that my account balance was XXXX. My account limit is XXXX. I made a XXXX payment on XX/XX/XXXX to avoid having the account over the limit. Then on XX/XX/XXXX payment of XXXX was made to Capital One and now had a XXXX balance. 

My concern is that the account was over the limit as of XX/XX/XXXX with a balance of XXXX but was paid off within 3 days. The account was not over the limit long enough to be reported to the credit bureau. I called Capital One and they stated that it should not have been reported to the credit bureau and that it was a mistake. Never the less, their actions have affected my credit score. 

I want this resolved and Capital one needs to correct the information that they have sent to all three credit bureaus.
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

We have been working with a HUD counselor since XX/XX/XXXX. In XX/XX/XXXX a lis pendens was put on our property. We have submitted all documents requested by Freedom Mortgage and they have been ve19ry slow to respond, We have asked them to allow us to pay our mortgage as they keep telling us we are responsible for payments during the slow process of evaluating our circumstances, but they will not accept any payments from us. The process of resubmitting documents went in for 3 months and we couldn't make any payments during this time. On XX/XX/XXXX we received a letter stating that we could not prove our case. We had requested that since we didn't receive the promised help during Hurricane Irma, we requested to have several payments put on the end of the loan, since we were out of work and had expenses due to the storm. We also had family members diagnosed with XXXX and several deaths which required us to travel. We could not produce every receipt they wanted because we didn't expect to end up in this situation, so they denied our claim and have told us that our only two options are to do a pre-foreclosure sale or a deed-in-lieu.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (SC)

On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Afternoon, I am writing to you as a concerned consumer regarding certain inquiries or " hard inquiries '' on my credit reports that were not performed by me. I would like to respectfully request that steps be taken to remove these inquiries from my reports to the appropriate credit bureaus. 

As a consumer, I have the right to an accurate and truthful credit report under the Fair Credit Reporting Act ( FCRA ). This law establishes that credit bureaus must maintain accurate and up-to-date information about consumers, and must only allow legitimate inquiries on credit reports. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to protection against the collection of unfair or misleading credit information. 

I would like to stress that I did not authorize or request any of the inquiries in question. These inquiries are not representative of my credit history or my financial interactions. Since these inquiries are not legitimate and are not supported by my consent, I request that they be removed from my credit reports immediately. 

It is essential for me as a consumer to maintain a clean and accurate credit report. These unauthorized inquiries could negatively impact my ability to obtain credit in the future and may undermine my confidence in the credit system. Therefore, I urge the CFPB to take prompt and effective action to address this situation and remove these inquiries from my credit reports. 

The inquiries that I do not make and appear on my credit reports are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I thank you in advance for your attention and cooperation in this matter. I hope that the CFPB will take the necessary steps to ensure that my rights as a consumer are fulfilled, in accordance with the laws mentioned above. 

I look forward to your prompt response and satisfactory resolution. I appreciate your time and attention to this urgent matter.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

Citi bank emailed me on XX/XX/XXXX that they had closed my credit card account due to inactivity without having informed or warned my prior to such action. I called them and they told me they had sent me a letter one year ago urging me to use the card more but making not mention of possible closure of the account. I asked them to reopen the account ( this is my oldest account ) and they made me undergo a credit check again. This has implications on my credit score which is unacceptable since the bank failed to communicate with me their intention ( and/or policy ) to close the account, or receive my prior authorization for such action. They also failed to remedy the situation once contacted.
Consumer complaint received 2019-01-24
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. (FL)

My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX has reflected that in their report and given me XXXX. XXXX XXXX and Experian are lagging and under reporting my score.
Consumer complaint received 2019-01-23
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. (OH)

I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history
Consumer complaint received 2019-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that Trans Union deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history
Consumer complaint received 2019-01-23
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. (GA)

I have sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is " The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge