davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

Mt bank Hi ; I need to open a dispute/chargeback for 3 transactions made with my XXXX debit card ending in XXXX. The seller never sent the merchandise to my address and also never provided any kind of tracking or delivery information, also I tried to contact the merchant to get that information but they never answered or replied the several calls and emails I sent to them. 

Transaction 1 : XXXX, posted on XX/XX/XXXX, It was a tablet XXXX XXXX, must be delivered on or before XX/XX/XXXX. 

Transaction 2 : XXXX, posted on XX/XX/XXXX, It was a Tablet XXXXXXXX XXXX XXXX  must be delivered on or before XX/XX/XXXX. 

Transaction 3 : XXXX, posted on XX/XX/XXXX, It was XXXX table accessories, must be delivered on or before XX/XX/XXXX All the goods must be sent to my address on profile, XXXX XXXX XXXX, apt XXXX, XXXX PA XXXX The seller never provided a tracking number or delivery information, I tried to reach them several times by phone and email without any answer.
Consumer complaint received 2022-09-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXXccounts : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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 2019-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

On XX/XX/XXXX I did a domestic transfer from XXXX to New York via Money gram online for a total of XXXX I am sending XXXX there was a XXXX dollar fee. I did this transfer debit card to debit card, money gram never sent the money to the reciever in fact they keep telling me they already sent it to the receivers bank but they did not. The reciever has contacted their bank several times and they have told him they see all transactions in REAL TIME and if anything was pending or sent from moneygram they would see it. It was never sent. To top it off they told me they have to send this issue to a specifi department which will contact me in 24 hours I haven't heard a peep from moneygram since XX/XX/XXXX if I dont call they won't call me. I have called them over 20 times about this issues and to be told now it's still processing but they have no clue why or how to get it to the reciever
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I opened a checking and savings account through Citibank on XX/XX/2018. There was a promotion for {$400.00} after {$15000.00} is deposited. I completed the deposits but never received the opening bonus. I contacted Citibank on 3 separate occasions to have this resolved. I received a message stating that because I had previously opened an account I was not eligible for this bonus. This is incorrect. I have a letter from Citibank regarding the account they claimed was opened never got past the application process because they didn't receive the " required documents ''.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VA)

I have been receiving numerous repeated automated phone calls in an attempt to collect payment. It is an automated call and it gives the option to speak with a rep but when I select that prompt it disconnects. I was going to inform them that I will pay as soon as I can and that harassing me will not create an income for me to pay them with. The latest calls are from XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX ( today ) @ XXXX so far and I'm sure more will come.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I took out a federal direct loan in 2007. At some point it was transferred to Navient. This was not in my control. I was never made aware that Navient is considered private. I kept my loan as a federal loan so that I could qualify for repayment or any govt actions taken regarding the loan. I was never made aware that the loan no longer qualified for federal things because Navient is considered private. The interest rate on the federal loan was 7 %, but I never went with a private company because I wanted it to stay a federal loan. I was also told if I did the income based plan my remainder would be forgiven after 30 years. I was never told that I would pay tax on the forgiven amount, which would eventually be more owed than the original loan. Once I found that out I was so far in and XXXX in debt. More than double the amount I took out. I am a XXXX, so this is an extraordinary amount of money. Flash forward to Covid. All fed loans get 0 % interest. I assumed mine would since they are federal. NOPE. Navient told me it was because mine are consolidated. That was a LIE. Had they told the truth at that time ( that they are CHOOSING to not give a 0 % interest ) I would have had the loans transferred to a different lender. Once I saw that I was getting XXXX on my loans and that the " forgiveness '' would actually cost me more money I transferred them to a private loan with a 3 % interest rate. Navient has lied to me multiple times and cost me an inordinate amount of stress and money. They are deceitful and should never have been allowed to service my loans. At the very least I should have been notified that they are private with full documentation of what that means
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (PA)

I don't know if a financial credit card company can do the following or not? 

I received a credit card with a Balance Transfer Offer that I took advantage of and since XX/XX/XXXX I've had the same Minimum Payment Percentage for my monthly bills until this month. When I received the card and its documentation, a specific Minimum Payment Percentage was stated. My {$0.00} APR Balance Transfer does not expire until XX/XX/XXXX. However, the Minimum Payment Percentage doubled this month. Are they allowed to do this? 

Also, I typically pay the same amount every month from the 1st statement on, which is typically more than the Minimum Payment. I do not typically look at my statements monthly because I did not know that they could change their process or the Minimum Payment requirements. Luckily, I did look at this month statement or I would not have met and paid the new Minimum Payment. Balance Transfer Agreements specifically state that you have to meet the Minimum Payment or the {$0.00} APR Balance Transfer Agreement would be null and void. Changing the billing process in the middle of the Balance Transfer Agreement, seems a little predatory to me where they might get a certain number of participants mistakenly missing the increase and therefore, breaking the original Agreement. They told me that the information regarding this change was emailed, but I can not find any notification of it. 

If they are allowed to do this, I guess I do not have a complaint. 

However, it doesn't seem fair that they can change the Minimum Payment Percentage during a specific Balance Transfer Offer Agreement.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P. (GA)

To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Southwest Credit Systems was inaccurately reported to my XXXX, XXXX, and XXXX  credit report. Southwest Credit Systems is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters recently. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Southwest Credit Systems and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

TD BANK Credit Card XXXX ending in XXXX XX/XX/XXXX Last payment made, {$0.00} XXXX XX/XX/XXXX letter received about an updated address XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This was reported as FRAUD to TD Bank and that an update was not requested. 
Also requested to close the account. 

Credit Report was requested later in the year and a record from XX/XX/XXXX showed {$1400.00} is charged off in XX/XX/XXXX. 
Reported this to TD BANK as fraud and requested it be investigated and cleared asap. 

Emailed and spoke to reps again in XXXX bringing attention to this matter to be investigated and cleared. 

XX/XX/XXXX called and spoke to 20 different reps and departments so far. 
Need this investigated and cleared from records!!!!!! Its XXXX!
Consumer complaint received 2022-09-02
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. (TX)

In accordance with the Fair Credit Reporting act, the following accounts have 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 an account without my written instructions. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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. (AL)

In accordance with the Fair Credit Reporting act ( AccountXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TN)

I received a text that appeared to be from XXXX. It asked if I was attempting to transfer money via wire from my account. I responded no. A man called saying he was from XXXX. He called from a number that was on the back of my debit card. XXXX customer service number. He then used information to gain access to my account and trans {$3200.00} from my account. His name is XXXX XXXX.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I have had this lease, 2022 XXXX XXXX, since XXXX of 2022. Every single month, I've to reset my PW to make my lease payment and this month, it isn't working. I've tried to talk to XXXX and they do not seem to care. PLEASE HELP!
Consumer complaint received 2022-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I have been asking for relief for several years. Loan was originated with XXXXXXXX XXXX several years ago and has been sold several times. I was told in XXXX of 2022 the loan was current-The are now saying it is delinquent and wont let me make a payment unless its for the full $ XXXX. I don't have that money but will pay {$2000.00}. They wont accept any payment at this point. I don't know what to do at this point. I have somebody will to buy the house but i cant make any payments
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mcburberod Financial, Inc. d/b/a SeedFi (OH)

There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX Accnt # : XXXX Opened : XX/XX/2021 Balance : {$0.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (WA)

I called them and told them every month it says I owe XXXX $ I asked them to please make my account reflect the amount I actually owe because I need to be able to see my bills every month and having XXXX $ listed as what I owe is confusing unless of course I actually owe them nothing. 
I contacts them about this in XXXX and in XXXX and they havent fixed it. This month it says I owe {$40.00} when clearly I owe more than that.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

In light of the recent announcements about loan forgiveness up to {$10000.00}, I called EdFinancial to reinstate my loans that I paid off in XXXX of 2022. I asked for a refund of {$10000.00}, and I was told that they could not provide confirmation that this request was submitted and that the request would take over XXXX days.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

On my statement from Synchrony, they only list a seven year payoff amount at minimum payments. They do not reflect a payment for three year payoff, as required by the credit act report. When I called, they did not have an answer to my inquiry. I would like to know what my payments would be for a three year payoff so I can budget accordingly.
Consumer complaint received 2024-04-04
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: CITIBANK, N.A. (PA)

I signed up for a Citi Double Cash Card because of the {$200.00} sign-up welcome offer which the terms and conditions of can be viewed here : https : //www.citi.comXXXX 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. 

When I completed the requisites for this offer, I never received the {$200.00}, when I questioned Citi Bank, they informed me it is because I did not sign up with a code given to me in the mail. 

If you read the entirety of these terms and conditions, there is no mention of needing a invitation letter to receive the {$200.00} bonus. On this sign up page, it states " Earn {$200.00} cash back after you spend {$1500.00} on purchases in the first 6 months of your Citi Double Cash card account opening.XXXX '' Upon viewing the superscript for this offer, it does not mention this welcome offer requiring a letter with a verification code in the mail either. This is true when viewing the full terms and conditions as well. 

Again, there is NO mention of this in the TERMS AND CONDITIONS and the SIGN UP page for this credit card. 

This is fraud. 
Citi Bank is unable to provide a section in the terms of agreement for this credit card that states that a letter with a code is a requisite to claim the welcome offer.
Consumer complaint received 2022-08-29
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account ( experian ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account or update every late payment XXXX XXXX XXXX XXXX and XXXX of XXXX  late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXXXXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX  XXXX of XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXXXXXX remove whole account or update all late payments 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since XX/XX/2016 but still XXXX  XXXX   XXXX XXXX XXXX Account XXXX still send me a letter for collection
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference : XXXX Creditor : Tri-State Adjustments, INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Tri-State Adjustments After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail and via the Consumer Financial Protection Bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Consumer complaint received 2018-04-23
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.