davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I contacted Legal Aid Society today and they provide me your company 's contact information regarding how I have not received any reduce payment from Capital One because of my XXXX hardship. Every since late last year I have been explaining to them that I had XXXX XXXXXXXX in XXXX and I was unable to work and only received XXXX XXXX until I can find a gainful employment. And I keep requesting for them every month because they tell me to call back can to see if they can make payment arrangements but they never do this is Capital One and I'm sure I'm not the only XXXX. Never seen credit company like this not being able to work with some money experience the financial hardship. It's almost like a strong-arm because every month my credit keeps dropping. So the month of XXXX and XXXX of this year I paid them XXXX and before that in XXXX {$85.00}. Now I am behind on my XXXX with XXXX. Just to try to appease them so my credit won't get ruined. I need help in dealing with Capital One.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received from a person a deposit of XXXX for XXXX XXXX in the state of Tennessee for {$6000.00}, on XX/XX/XXXX the money from the XXXX  was available in my account and I proceeded to make a transfer of {$2600.00} to a bank account of the same bank ( direct transfer ), hours later when I checked my account it had a negative balance of {$1800.00} because the XXXX  deposited for {$6000.00} had been returned by false XXXX  according to information from the bank. I called the same day to ask them to return or stop the transfer and the answer was that it couldn't because it was in process, that it had to be completed in order to make a claim. The next day I completed the transfer and called to make a claim and the bank told me that a claim can not be issued because I made the transfer myself. I claimed that I did it because the money was available, but then they left the account in negative, that if the account was negative the transfer should not have gone out. The bank does not want to return the transfer when I explain that the person with the chq and the account to which the {$2600.00} was transferred are the same people, they are scammers. 
My account is negative and the other person being from the same bank has my money, I am asking the bank to block the money in the other person 's account because it is a fraud, but they do nothing Bank : Bank of America
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX XXXX Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # XXXX
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I have a {$100.00} gift card purchased from target that is american express. It says the card security code is invalid even though it is clearly printed on the front and matches the reciept. I have called numerous times and noone will get back to me and their automated system hangs up on me as soon as I am transferred to speak with someone.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CO)

I have made nearly {$7000.00} in voluntary payments to the Apple Card with an {$1800.00} credit limit in the past month alone. I have never missed a payment due. 

Two of my payments failed, which I immediately rectified. The money was removed from my bank account, however, my available credit is entirely on hold, despite the payments being voluntary. I have been repeatedly told that they need additional time to clear the payments, due to the failed transaction, however initially they told me it was because I switched payment accounts. 

I have been repeatedly misled by Goldman Sachs in this endeavor.

Also, they have repeatedly suggested that I should have used Apple Cash instead, as it can be verified faster.

I am of the belief that I am being manipulated into utilizing their preferred service in the interest of their partnership with Apple, over my bank account. I have been repeatedly told that my payments can not be cleared, despite them having cleared multiple payments for me instantly in the past. 

They reference repeatedly that this is due to their System placing my payments on hold. Apparently they have no control over this System which is the vague arbiter of my money being cleared. Suddenly there is nothing they can do. 

I have been declined since this event in many embarrassing situations, despite my balance showing as zero. I tried to buy my son ice cream, it was declined, I had multiple services connected to this card, those have all been declined, and continue to be. My XXXX account for charging my car was declined, I was stranded in a snowstorm at the charging station and had to change my payment account from the Apple Card which took hours, as the roads got worse and worse. 

They still have my money hostage. I have been told repeatedly to keep making my payments on time by the Apple Card team at Goldman Sachs. When I have never missed a payment. 

They said they have escalated my case to Senior Management which I have yet to hear from. I feel quite helpless as a consumer in this situation. My money is gone from my account, and my balance shows as zero, but also my available credit is zero. They have a different explanation every time for why this is happening. I am confused and feel quite misled.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (TX)

Cant believe having this XXXX Barclay CC for over a year and trying to ask for a simple CC increase is very hard. A+ credit tier with a score of XXXX with establish credit since 1994 and over $ XXXX in limits. XXXX is still needs to pull my credit. Sad business!
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX, Merchants Credit Guide located in XXXX, Illinois, showed a collection for {$220.00} on my credit reports. Prior to the collection appearing on my credit reports I had no knowledge of the debt. Since, I have disputed this collection with XXXX ; XXXX XXXX ; and XXXX. All but XXXX removed the collection from my credit report. On XX/XX/XXXX, I spoke with three individuals at Merchants Credit Guide over the phone. I told them that I would pay the {$220.00} just as soon as they could provide documentation to support the validity of the debt. Every time I asked for documentation to support the debt or support their claim of attempting to contact me in the past, the individuals immediately became defensive and would transfer me to another individual. After speaking to the last individual who represented himself as a manager, I was told the best that could be done was another bill would be sent to my address. It is my opinion that a bill from Merchants Credit Guide does not support their attempt to collect a debt from me that I have no knowledge of. I told Merchants Credit Guide that I would not be paying the " debt, '' however, if they would like to mail me documentation from the debt that they claim to be collecting I would pay it. The manager told me that he was putting a cease and desist on the account and I would not be hearing from them again.
Consumer complaint received 2022-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I refinanced my federal student loans with XXXX, who sent my loans to the processor, Mohela. In addition to making my monthly required payments, I have started making additional payments each month in order to attempt to pay off my exorbitant student loans ( which started at just over {$240000.00} ). Until last week, I had been able to apply my additional payments to principal. The lender is now trying to make it harder to pay off my student loan by rejecting my payment instructions and stating that all payments need to go to interest first, even discretionary extra payments. These sorts of unfair practices to make it more difficult to pay off student loans are the exact types of practices the CFPB has come out against : https : //www.consumerfinance.gov/about-us/blog/you-have-right-pay-your-student-loan-fast-you-can-without-penalty/. I have contacted my lender, but they have refused to change their new policy and honor my payment instructions. Below is the email I received from Mohela : Dear XXXX Member, We are writing to inform you of an update related to your payment instructions at MOHELA. Per your Loan Agreement, payments will be applied to accrued interest to the date the payment is received prior to your payment being applied to principal. Your payment instructions are not consistent with this requirement ; therefore, we will need to amend those instructions going forward. Effective immediately, payments will be applied to satisfy accrued interest prior to being applied to principal. 

For additional information or any questions, please contact a Specialty Servicing Specialist at XXXX.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The date aren't correct at all false document, this was delete off my credit report really don't know why they put in back on my credit report.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I sent out a dispute letter in XXXX, 2021 and have not heard any correspondence within the proper timeframe and has been well over 30 days.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I made a purchase for XXXX to XXXX XXXX and the same day I requested a refund for the XXXX with no results. In 2 weeks XXXX XXXX got 3 payments XXXX, XXXX then credit card doubled my credit card limit from XXXX to XXXX and sent to XXXX XXXX XXXX all cash and they do not know where or to whom all in 2 weeks. I got y credit card statement and call credit co. and they never did anything about the money and I had to pay it XXXX For a year plus I tried to contact both scammer and credit card co. . I got no reply from scammer and card did nothing. that credit card stop calling after I said I am not paying that was years ago. I found out when my credit score went from XXXX to XXXX ruined my faineances and still is now.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They provided me with information that does not address my concern. I asked how to setup an external account so that I could pay them and they sent me some information on how to pay a bill. I have literally spent over 15 hours calling and holding on the phone. I have not been able to set up an external account. 

The customer representative told me to download a mobile app and ask " XXXX! '' I was also told to go online and add the account, but the feature appears to be disabled on my account. So, I just received the first statement from them on yesterday, I am on the site and I still can not add the account.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

I deposited check on XX/XX/22 with teller in pnc branch and it was posted after few days. After three weeks as I tried to withdraw the fund from branch. Teller told me check is on hold. After that I called customer service spoke to the agent for two hours. Two hours later I was told everything has been sorted and funds are Available in my accounts to withdraw. After the agent hanged up. I got notifications that my balance is low. As I logged to the account. I see the entire amount of the check is missing and I called pnc again. Now pnc says they dont know what happened to the fund. They kept me on hold for 1 hour for supervisor but no one came to address the problem. I like to know where is my funds.
Consumer complaint received 2022-04-14
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. (CA)

AN ACCOUNT IS STILL SHOWING ON THE CREDIT REPORT EVEN THOUGH THE ACCOUNT HAS ALREADY BEEN DELETED BY THE CREDITOR. IT IS BEING INACCURATELY REPORTED BY THE CREDIT BUREA
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. 
We received a letter from Bank of America-Special Loan Servicing department XXXX XXXX XX/XX/XXXX. In said letter, Bank of America re-amortized our loan, gave us a breakdown for the entire years of the loan. In addition to the breakdown, they also included an agreement and specifically stated in page 2 section 5, that our new mortgage principal balance, at that time was now {$130000.00}. 
I have called now for several years, regarding the following concern. On our monthly statements, we had the balance of {$130000.00} ( which now, has gone lower ) and we also see on our statement that we also have a non-bearing interest balance of {$84000.00}. 
Recently, due to the interest rates being so low, we have attempted to refinance to a lower interest rate, but because this issue is not resolved or that non bearing interest balance has not been removed, we have not been able to refinance. 
I have called Bank of America, even more so, to handle this, since XX/XX/XXXX, and every week, only to hear, nobody knows how to resolve this. They have transferred me to Case management dept, only for them to tell me they can not handle my call. BOA has transferred me to different departments to include special loans department, collections, customer service, bankruptcy department, just to name a few. They have advised they have escalated several times, but nothing has been resolved. It has been very hard to get answers and resolution from Bank of America.
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

Stop closing this complaint as the company does not provide sufficient documentation of their claims. I ATTEMPTED TO ACTIVATE THE CARD VIA THE MOBILE APP. 

HOWEVER THE CARD DID NOT WORK WHEN I FIRST ATTEMPTED TO USE IT AND I HAD TO CALL CUSTOMER SERVICE AND WAS TOLD THEY SUSPECTED FRAUD. I WAS UNABLE TO EAT BREAKFAST THAT DAY AS THE APP TOLD ME IT WAS ACTIVATED ONLY IT NEVER WAS. 

I confirmed my identity as requested, even though I had already done that previously when applying and it should not have been approved nor supposedly activated if my identity was in question. WHEN CONFIRMING MY IDENTITY I ALSO CONFIRMED THE OFFER ON THE ACCOUNT WAS VALID. YOU CONTINUE TO LIE TO ME. 

Further, a reputable business would promptly inform the customer they were ineligible, not confirm they are eligible, then waiting until they meet the spending requirement, and then waiting again until they complain after months of not receiving the bonus.before then finally making up lies and telling them they were never eligible and in fact had been previously been informed ( A LIE ). 

THIS IS ILLEGAL AND CITIBANK SHOULD BE PROSECUTED. IT IS A CLEAR VIOLATION OF UDAP. 





I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Our Mortgage company is Shellpoint Mortgage Servicing, I contact your company with this problem before. I contact XXXX XXXX AND XXXX XXXX XXXX. They referred me to your company for help I am sending my regular payments. SHELLPOINT have added insurance and taxes to our payments. We have sent letters of confirmation from us and the insurance company showing we are paying out of pocket payments to a company. We pay our own taxes out of pocket also. Shellpoint is returning our monthly payments back to us to make it look like we are missing payments. The checks are returned with a red stamped O/N on it and a letter stated we are 90 days past due. We have sent this Mortgage Servicing Company proof of paymenst made. This Company continue to disregard our efforts to provide proof we are not 90 days behind because we not sending the payments it's because they are sending checks back to us. I have been dealing with this for over two years. If I can provide you with any information that will help me get this situation take care of. Please let me know. I can provide proof with bank institution and certified mail receipt with proof that we sent our payments. Thank you, we need help with getting this matter taken care of.