davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Skrill USA, Inc. (CA)

XX/XX/XXXX. Some unknown ... no caller identification. Nasty person. Took {$800.00} and then {$10.00}. And then {$11.00}. Mistaken I did not know the up address. I know no one in XXXX and that all put my savings in the negative by {$37.00} plus dollars Please block any and all foreign XXXX address XXXX Trouble with Romance scam Sweepstake scam And Person that used my telephone account She did not pay for merchandise mailed USPS And IDENTITY THEFT Calling about some kind of package and CYBERBULLYING CYBERCRIME
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (AE)

I have autodraft setup to pay my mortgage. The company stopped by my autodraft because the payment changed by {$7.00}. They sent me several letters regarding the change and missed payment but they were delayed because I am currently working at the XXXX XXXX in XXXX. The mail takes 4-6 weeks to get here - sometimes more and I did not receive the letters. They made no other attempts to contact me. They have now reported that I was 30 days delinquent on my payment in my credit report. This is unacceptable. I have missed no previous payments on any mortgage.
Consumer complaint received 2019-02-06
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. (TX)

TransUnion is stating I have an XXXX XXXX Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that XXXX XXXX does not report incorrect information on a person 's credit report needs to be ensured going forward.
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I am with fedloans and somehow 2 of my loans went delinquent even though I am on IBR and my amount is $ 0 monthly ( 2 loans stayed active and 2 went in default ). It resulted in my tax refund getting taken {$6200.00}!! I needed that money for my 2 little kids and we are so behind on bills now. When I found out, I consolidated the loans back to IBR and {$0.00} repayment but they put the entire {$6200.00} on the loan even though it wasnt defaulted anymore and the offset was removed.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I paid my balance ofXX/XX/XXXXor XX/XX/XXXXwith capital one of XXXX.xx with my XXXX XXXX   XXXX account. A week or so later I paid XXXX.xx with the same savings account. I attempted to pay with the same account XXXX about a week or so later and it returned not for insufficient funds. I thought maybe s mistake on someones end so I scheduled a XXXX payment and called my bank to see why it didnt clear. They advised me I could no longer make payments through my savings account. I called capital one immediately to notify them my payment would return. The rep said I would be ok just make payment with checking account. Once payment returned I made XXXX payment with my capital one bank account. They closed my account. I spoke to supervisors who said the problem would be corrected and got a manager XXXX who said I had 5 returned payments in my almost 3 years but I have never been late on this card. I explained the last two were not of my knowledge and I dont recall 5 total. I looked on my account it was four including the two that were beyond my control. I asked to speak to her boss or she needs to email her boss to contact me. First she said she couldnt and they were s big company and I pestered her so mich she claims she did I filed a XXXX COMPLAINT and XXXX an executive called me when I was sleep and I have called her multiple times and left messages as she instructed me to do and I get no response. Please help.
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY ()

I sent my money {$15000.00} to my sister 's account at XXXX XXXX XXXX from my account at TD bank ( branch Number:XXXX ) on XXXX XXXX 2019, but still now she hasn't gotten them yet. According to XXXX XXXX XXXX, they don't even get a data for sending.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Quality Recovery Services, Inc. (GA)

The response from Quality Recovery Services indicated and agreed with my complaint that instead of correcting their error they made in wrongfully placing derogatory collections on my credit report they simply reduced the amount. Once they accepted that they had made a mistake as I was allowed to move out without penalty, the should have immediately COMPLETELY REMOVED the derogatory collections and send me a new bill. I never refused to pay {$330.00}, they just simply never invoiced me but instead chose to skip the invoicing step and illegally placed {$330.00} on my credit report!! 
They also indicated that the refused registered mail was simply asking me to provide evidence that I do not owe the reduced amount, the amount they never billed me for separately, once they found they had made a mistake! I never said I didn't owe or wouldn't pay for any amount rightfully incurred upon move-out, I'm simply asking Quality Recovery Services to do the right and legal thing by REMOVING THE AMOUNT WRONGFULLY PLACED ON MY CREDIT REPORT without billing me, then bill me and I will pay. If they refuse to follow the correct legal procedure then I will have no further choice but to have a judge decide if they handled this derogatory Collections without FIRST billing me correctly and allowing me legal time to pay BEFORE placing on my credit report.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (IA)

MIDWEST RECOVERY SYSTEMS, LLC Last reported : XX/XX/2019 I have tried to dispute this with XXXX and have disputed this with XXXX. 
I have never dealt with XXXX XXXX XXXX. 

I have not gotten any notification from this company.
Consumer complaint received 2019-04-10
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. (FL)

I send a dispute to Equifax over a month ago regarding closed accounts on my credit report I asked that they remove them because these accounts have been removed due to bankruptcy. Instead of removing the accounts they took it upon themselves to enter other information without my knowledge or authorization. I didn't ask them to update information, I asked them to remove it because they where not removing the accounts per the bankruptcy. 
Then they made the statement that these accounts will be removed in 10 years? According to the FCRA creditors can only stay on a credit report 7 years per date of closing or per date of last payment. Some of these accounts been closed for 3 years and they changed the date of closing to XX/XX/2019. 

Here is the link for the credit report that was sent to me from Equifax regarding my credit report. 

XXXX XXXX XXXXXXXX   XXXX & XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   & XXXX
Consumer complaint received 2018-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (IL)

I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX. 

The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Financial is trying to collect a debt that I was not informed, and was not aware of. Returned my car lease at the end of the term, and was told everything was good to go, my miles was ok, and inspection of car passed. I moved from XXXX  to XXXX  during Co-Vid, and did not receive a proper explanation in a phone call, or letter before I left to XXXX  explaining what is the charges, as for me knowing that car was returned ok.
Consumer complaint received 2019-09-17
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. (IN)

I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I've repeatedly complained but to no avail. This morning I noticed that payments that were marked " on hold '' on Friday now show as coming out today. Citizens holds larger payouts until a poor man 's account is low and the system changes the arrangements of payouts on the app balance sheet. Then, they fine me for an overdraft. They do like to remind me that I read the Terms And Conditions. But my credit isn't bad, just not good enough to be considered for overdraft protection. This IS now matter how it's worded, a tax on me for being poor. Please help. I'm working one whole week to pay back fees that my neighbors aren't all charged.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

I got a vehicle through US AUTO Sales and who is now currently backrupted and now westlake portfolio management who is a debt collector is trying to get me to pay for my truck through them but my contract with us auto sales was fraudulent and now no one is available to give any further answers
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (UT)

Under Citi Bank 's promotion plan, if I open a new account, deposit {$50000.00} in 30 days and keep them in the account for 60 days, I can get a {$700.00} bonus. I opened the new accounts in XX/XX/XXXX, which is the start of the nightmare. 
When I tried to deposit the money, I received the email stating that I have to submit utility bill & SSN, but I have submitted them and had received the receipt from Citi before ( see attachment 1, 2a, 2b ). It is obvious that Citi 's system had something wrong. Then I tried to contact Citi to figure it out. 
From XX/XX/XXXX, the second day of the new account opening, to XX/XX/XXXX, I have called or chatted online with the Citi agents for MORE THAN 20 TIMES ( see the attachment of Timeline ), struggling to find out what documents actually I should submit, when I can deposit the money, and even who really know the actual situation and give me a certain instruction. Sadly, in the 20-more calls or chatting, different people told me different answers. 
As all of the agents told me explicitly that I can not deposit money into the new account since it is on hold, I had to deposit them after XX/XX/XXXX, when I received the deposit notice. But Citi told me that my account does not qualify for the promotion bonus any more as I hadnt deposited the money in 30 days after account opening. It is so ridiculous! 
Firstly, it is the Citi agents who told me not to deposit the money when the documents were reviewed, which can be proved by the transcripts attached. Even more absurd is when the supervisor of the department rejected my complaint, she told me ACTUALLY I COULD deposit even the account is on hold. Who should I believe? 
Secondly, it is Citis confused management that led to the delay of document review. They kept on requesting the same documents which had been confirmed by their own system, they didnt send even one single message to request form W9 I only know it when I called by myself. I am even not sure when they have received all of my documents. 
Thirdly, Even the agent online who knows all of the processes admitted : since there was a delay of the account opening due to those documentation purposes, I'm sure that our Specialist team can enroll your account for this offer. But Citi just rejected my bonus disregarding all of the process and the records clearly kept in their system. 
I have attached the timeline of the whole case, I have attached all of the transcripts I chatted with Citi agents, and I think Citi has all of the call records in their system. I think it is quite simple to find the truth.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc. (MO)

XXXX Report Number : XXXX Date Generated : XX/XX/2020 Account Number Starts With : XXXX Collection Company : NCB MANAGEMENT SERVICE Amount Owed : {$9200.00} I am not liable for this debt with XXXX XXXX XXXX . I do not have a contract with NCB MANAGEMENT SERVICE. Neither XXXX nor NCB MANAGEMENT SERVICE has provided me with the original contract as I requested.
Consumer complaint received 2019-04-10
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: SYNCHRONY FINANCIAL (TN)

In XXXX and XXXX of XXXX, we purchased several appliances for our new home from XXXX totaling {$9200.00} ( receipts attached ). The sales person offered interest-free financing for five years and 5 % off of the total purchase if we opened a GE Capital credit account and made payments directly from our checking account. We were prepared to pay for the appliances in-full, but were lured into this predatory plan. We opened the account and financed {$6600.00} of the purchase. For five years, the direct payments have been made out of our checking account, as required. This week, we looked at the online account, expecting the balance to be at or near zero. We were outraged to see that the remaining balance was {$4700.00} ( statement attached ). In addition, we saw that they were charging 29.99 % interest and that at this rate, it would take 19 years to pay off the balance. This is not what we were lead to believe nor is it any type of plan that we would have accepted. 

We have no way of knowing how much we have paid over the years in interest since the online statements only go back a year ( document attached ). We see more confusing information on the attached statement under the Transaction Summary then inside the XXXX Totals Year-to-Date section that the Total Interest Charged in XXXX is {$370.00} and below that the Total Interest Paid in XXXX is {$530.00}. In addition, the activity report ( attached ) is confusing because it shows the timing of payments and interest charges several days apart. Why is this? 

We initially set up the automatic deductions from our checking account so there would never be a missed payment or ding on our credit report. The description of the plan was not presented accurately. The information online is incomplete. The whole situation is predatory and designed to mislead customers into a financial trap. 

We immediately paid off the balance to stop the robbery and looked for a way to recover the money lost to their misleading program. The plan was misrepresented to us. The terms were not followed as represented. There have been no paper statements nor mailings to provide a status of the account or to inform us of any charges. Even if the mailings were sent to our previous address, they should have been forwarded to our new home address. 

XXXX went out of business shortly after our purchases, so we couldnt go back to them. We saw on the CFPB site that there are many other consumer complaints of the same nature against XXXX GE Capital, and Synchrony. After the way GE Capital and Cynchrony have treated us, there is no trust remaining to ask them for help. Therefore, in pursuit of quick resolution, we have chosen to bring this matter directly to CFPB.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I sent a payment to Bank of America from XXXX 's online bill pay. I inadvertently added a zero, making a payment of {$19000.00} instead of {$1900.00} USD. I contacted them on that date and three times since and they still, as of XX/XX/10 have not initiated return of the $ 16,000+ which I requested. The most recent excuse was that they had to elevate my request for return of my over payment because it was a large amount. This last excuse was 8 days after collecting my banking information and promising a return within two days.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC (NC)

This company was told to stop contacting me for at least 3 weeks. The representative gave me two names. He goes by the name XXXX XXXX. Telling me not to run away from the debt. I ask them repeatedly not to contact me. The companys phone number is Alliance Interstate LLC. The phone number to this business is XXXX.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC (CA)

I sent via Zelle {$750.00} to fraud cat breeder website. 
This is their website https : XXXX They charged me and promise they will send me the cat I paid for. I lost communication with them. I asked for my full refund and never heard back from this person
Consumer complaint received 2021-02-18
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citibank NA, Macys XXXX, and XXXX XXXX XXXXXXXX XXXX. The Account Opened is Citibank NA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is Macys XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Company : Wells Fargo Loan Modification Started : XX/XX/XXXX Loan Modification Amount : {$48000.00} Please note, that although the modification started on XX/XX/XXXX, it actually took Wells Fargo, EIGHT YEARS, to reduce the balance to their written Loan Modification Amount of {$48000.00}. It was finally issued on XX/XX/XXXX. 

As such, for eight years, I paid INTEREST on approximately {$68000.00}. 

Now, while Wells Fargo has reduced the " principal '' account balance by {$19000.00}, they've never adjusted the balance for the EXCESS " interest '' paid and CONTINUE to  pay, in having a higher and incorrect account balance of {$41000.00} approximately. 

The correct balance as of today ( XX/XX/XXXX ), is {$27000.00}, with a daily periodic interest rate of {$2.00}. 

Having an incorrect account balance, is a violation of the : Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Reporting Act ( FDRA ). 

In closing, I have tried for YEARS, to get Wells Fargo Executive Management to  address this matter, .... but, they've steadfastly REFUSED. 

Hence, my complaint to CFPB.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

XXXX XXXX XXXX XXXX, I contacted XXXX to request payment refund during pandemic. Nothing happened. And I called XXXX in XX/XX/XXXX again and was told my all information will be transferred to Aidvantage  and I would get the mail from them soon. As of today XX/XX/XXXX, Aidvantage still don't have my information and I'm so frustrated. No one seems understanding what they do in Aidvantage nor XXXX and XXXX does not even answer the phone anymore. I don't know what to do.
Consumer complaint received 2023-01-03
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants' Credit Guide Company (AZ)

In Accordance with the fair credit reporting act this creator has violated my rights. I have the right to privacy. also states a consumer reporting agency can not furnish an account without my written instructions. A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.