davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

I obtained a Citibank credit card to take advantage of their balance transfer offer which at the time was 0 % interest. I performed the first balance transfer of {$3000.00} on XX/XX/XXXX. Interest would be deferred until XX/XX/XXXX. The first balance transfer I obtain is noted as ( Offer 4 ) on the monthly statement. I performed another balance transfer of {$2000.00} on XX/XX/XXXX with an interest rate of 1.99 % and interest was noted as deferred until XX/XX/XXXX. The second balance transfer I obtained is listed as ( Offer 6 ) on the monthly statement. 

I made the monthly payments above the required minimum payments and notice that my monthly payments, which were always above the normal monthly required amount, was being applied to balance ( Offer 6 ) in which interest was deferred until XX/XX/XXXX and was not applied to ( Offer 4 ) in which the balance must be paid off by XX/XX/XXXX. As a result, if the balance on ( Offer 4 ) was not paid by XX/XX/XXXX, all interest incurred starting with XX/XX/XXXX would be added to any outstanding balance which was not paid by XX/XX/XXXX. I was led to believe my payments would go towards the first balance transfer, ( Offer 4 ) first and that I had until XX/XX/XXXX to pay off ( Offer 6 ) in the amount of {$2000.00}. I have a outstanding balance currently of XXXX. By the time my complaint is read I will have the balance down to {$1000.00}. It is very misleading when Citibank extends a balance transfer in which the rate is good until XX/XX/XXXX however, they subject the consumer to an unfair pratice by applying the payments to the higher interest rate which in my case is ( Offer 6 )  subject to incur interest charges on balances outstanding after XX/XX/XXXX. I am sure I am not the first individual who has taken advantage of more that one balance transfer at one time and this is truly an unfair practice to the consumer. I contact the bank 's customer service department and I was told I must pay off balance ( Offer 4 ) in which the last statment showed an amount of {$2100.00} by XX/XX/XXXX. Which does not make sense because my current balance as of the last statement was {$1900.00}. Balance ( Offer 6 ) showed a balance of {$110.00} which showes my payaments were applied to the higher interest rate offer ( Offer 6 ) which I had until XX/XX/XXXX to pay in full. Once again, before interest was applied.
Consumer complaint received 2017-06-01
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. (TX)

Trans Union seems to be under the impression it is okay to place remarks on every account ever disputed on a credit report no matter when or how long ago, and leave the comment on each account even after an investigation is over ; even if the investigation resulted in changes in the consumers favor ; which is entirely unnecessary and should be against the law. After multiple attempts to have these remarks removed from 3 separate accounts with Trans Union, they continue to list the accounts as " ACCT INFO DISPUTED BY CONSUMR '' and " DISP INVG COMP-RPT BY GRNTR '' I have called to have these remarks removed and submitted 3 separate requests via their electronic dispute wizard to please " remove the remarks on these accounts, they are no longer in dispute '' The results to their " investigation '' for each account was that the DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. Which basically means nothing because ultimately the remarks are still listed on each account. This problem only exists with Trans Union and each credit reporting agency has different methods of resolving this type of issue and Trans Union seems to not follow any type of standard of expedited process to resolve this small and simple issue related to credit accounts.
Consumer complaint received 2021-11-17
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. (MI)

I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be by XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

Mr. XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. Mr. XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.
Consumer complaint received 2021-11-17
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. (PA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-08-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This company is reporting a medical debt on a date that is over two years later than the actual date of service. This will cause the debt to remain on a credit report longer than it should. 

Also, this debt is disputed and I wish to sue the reporter, but the credit agency refuses to give me the medical practitioners contact information.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid 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 (NY)

Keep increase credit limit to temptated me using the card. I finally overspent and couldn't even afford to pay the interest. Tried to talk to them nicely, but they refuse to help.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I recieved payment from CA XXXX XXXX XXXX XXXX. Deposited it into my Chase checking account. First was advised 3 day hold, then it went to 5, then 7-10, now it is at 21 days and they are telling me the hold is indefinatley. They are trying to verify the validity of the check, but say they have no contact number for the writer, who also happens to be a Chase customer. The rent relief program advised me the check cleared their accountXX/XX/2021, and that Chase has had the funds since then. Chase wont accept any documents from me ( award letter, email conversations between myself and writer, copy of canceled check ) and have told me too bad they can do what they want when they want and dont have to give me a reason, read the fine print. In the mean time i was required to pay my landlord with these funds within 14 days of recieving them to prevent eviction and i am unable to because they bank wont release them. So now im facing eviction.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MT)

I purchased a new XXXX XXXX in XXXX. At that time, I purchased additional actual Toyota products for many thousands of dollars. These products were wheel/tire insurance, windshield insurance, pre-paid Toyota maintenance , and a Toyota extended service contract. I decided to trade the car in. In the middle of XXXX XXXX XXXXXXXX, I cancelled these products. I received emails indicating the products were cancelled. Because there was a finance balance with Toyota Financial Services, the refunds for these items was to go back to Toyota Financial Services, which I was fine with. Toyota 's cancellation department indicates a check payment was sent by mail in XXXX XXXX XXXXXXXX. This were all Toyota products, services, and departments. The payment still has not been applied to the account and they can not indicate when it will be applied. Meanwhile, I am still paying interest on this balance and am left in a position where this detracts from my ability to trade the car in. Regardless of how they want to paint this picture through a maze of affiliates and other corporate structures, this is Toyota paying itself while I pay interest on money they already have. I did read on this web site that the CFPB has already gotten after Toyota for making it difficult to cancel these items. In response, it now appears they just make it difficult to get the refund applied.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

I had a PayPal account and went to get money out of an ATM XXXX I was informed to call PayPal. I called PayPal XXXX they told me there was fraudulent activity on the account XXXX that I needed to wait 180 days before being able to get money from my account. The end of the first 180 days was XX/XX/XXXX. PayPal then told me I needed to wait another 180 days. I asked why XXXX they told me to continue to wait. 
I was so angry XXXX mad that at that point I cut up my card XXXX dispose of it. To this day XX/XX/XXXX I have not asked for or received a new card. 
I have called back many times since all this began XXXX still have not been given a reason why my account is closed. 
I talked with XXXX yesterday XXXX XXXX he told me the same information as everyone else has told me. THEY CAN'T/ WON'T help me. XXXX informed me that if anything changes on my account that I would be notified by email or text. 
I have heard this since the very beginning XXXX I still haven't gotten an email or text. 
I am beyond fed up with PayPal XXXX their not giving me any reasons as to why I can't get my money. 
I am submitting this complaint to you hoping I can at least get a straight answer from you. 
I will be waiting to hear back from you in the near future.
Consumer complaint received 2021-04-16
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: Avant Holding Company, Inc. (NY)

Avant opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. XXXX refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent
Consumer complaint received 2019-08-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WV)

They reported that I was late on payments from XX/XX/2019 until XX/XX/2019. I submitted information inXX/XX/XXXX of last year to defer my payments until I could find work, it should have been current in XX/XX/2019. I called them and evidently they didnt receive documentation on the deferred, so they didnt process it but I specifically remember mailing it in. I didnt receive a phone call that told me I was late or a letter. When I finally found out I was late i.XX/XX/2019 I was able to defer it.
Consumer complaint received 2015-07-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America. 
There was fraudulent activity on my business checking account, via card number. 
I submited a claim, and after speaking with their customer service, they could not do anything immediately and wanted to sent me paperwork to dispute the charges, within XXXX business days. Unacceptable. I was forced to request a manager who could - in fact - reverse the charges that were processing, and he reassured me that when the charges actually post to the account - there would be AUTOMATIC adjustments applied to take care of the balance. I would not be negative again. 
The next day, the {$850.00} charge posted, and of course, there was no adjustment, PLUS an overdraft fee for this charge. 
I called Bank of America again ( on the XXXX of XXXX - ironically ) and their business checking and claims department were closed, and literally no one - not XXXX person I tried to contact within my XXXX hour phone call ( plus the hours I spent the day prior disputing charges and going to my local branch to get my replacement temp card ) - NO ONE could tell me anything regarding my account, because they did not have access. They could not tell me the person 's name whom I spoke with the day prior, they could not even tell me my balance, let alone what was happening with my account, because they had zero access!!! On the XXXX, Bank of America could not help me. 
This is the second time in XXXX weeks my card information had been compromised. 
I do not allow other persons to use my card, and I am very concerned about the security policies here at this bank, plus - the customer service for its business banking customers. Being overdrawn almost {$900.00} and not being able to speak to anyone about it is extremely disconcerting, and I will be pulling my money from this bank and closing my accounts immediately. I am outraged at the service I received. 
The banking associate at my local branch issued me a temp card - which began with the same XXXX digits as my last replacement - and had the same expiration year. Why would a bank issue cards with matching numbers? Is n't this making it easier for fraud? 
Why was I asked to fill out paperwork regarding charges that were clearly not mine? 
Why was I alerted by my bank about the charges - but charges were made thereafter? 
Why could I not speak to anyone regarding my account, on a holiday? So what? There are n't XXXX people in the world that are working today on behalf of their business consumers? 
As a new business, a situation like this could be crippling. I have thousands of dollars that I need to deposit to continue functioning as a business - but I can not trust my bank and I am forced to switch banks, which will not be an easy change, I can only assume.
Consumer complaint received 2021-11-17
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. ()

I entered a consumer credit transaction with the following companies : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 
I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

Thank you XXXX XXXX
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had my vehicle towed and doing the towing process my vehicle was damaged. I called the company XXXX XXXX, they were supposed to cash me back and they never did. So i called capital one my credit card company and they started a dispute. They requested documentation like a statement from myself on what happened along with how i tried to resolve the matter with the merchant and a receipt of goods which i sent them as well, also pictures of my vehicle. They began the dispute process. Then they sent me another letter requesting the same documentation that i previously sent, which i resent them again. Now theyve closed my dispute and i lost because they are claiming i didnt sent them the proposer documents. I called them and they said there is nothing they can do since it is beyond the date.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them, those negative items are still reporting on my end and it affects a lot on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge off XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment,  Tidewater  said it was n't sufficient to them to justify a lower payment program.   Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on  XXXX  and  XXXX  's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (CA)

I, XXXX XXXX Consumer and Natural Person, extended my credit to BBVA USA. I have been made aware that BBVA USA committed multiple violations of Federal Consumer Protection Laws Violating my Federally protected consumer rights. BBVA USA has taken adverse action against me as a consumer, slandered my reputation and character, and had no authority or authorization to discontinue my credit. Pursuant to 5 USC 1691d.