davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

A. On XX/XX/XXXX I purchased a Business Education and Training Program called XXXX  XXXX XXXX XXXX called XXXX. I purchased training packages and the permission to sell the packages. I paid {$60000.00} for the program and charged {$7500.00} on a BAC Credit Card as XXXX XXXX XXXX, on XXXX I charged {$4500.00} on the same BAC card for XXXX XXXX XXXX NC.. On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites were shut down and remain shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified the BAC dispute department of the situation. They mailed me a from on XX/XX/XXXX and I completed it and sent it back on XXXX XXXX. Since then I have been going back and forth with BAC to send more information and I have submitted information each time. As of XX/XX/XXXX BAC sent me a letter stating they wont continue the dispute because the didnt receive a breakdown of the charges. I submitted a detailed breakdown. This issue is about services unfulfilled. I did receive some of the services : XXXX XXXX XXXX XXXX NC the only items I received from this program was XXXX ( XXXX ) coaching sessions out of XXXX ( XXXX ) which is about XXXX the of the program. Which is XXXX X {$7500.00} = {$1000.00} disputing $ XXXX $ XXXX {$6400.00} XXXX XXXX XXXX XXXX NC I did receive the XXXX ( XXXX ) day seminar, a Private XXXX and a Webinar which is 64 % of the program. Disputing {$4500.00} X 36 % = {$1600.00}. 
I have attached copies of the credit card invoices.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give my support. My email is : XXXX, my cellphone is : XXXX
Consumer complaint received 2018-12-28
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: CITIBANK, N.A. (NY)

On XX/XX/2017 a letter was sent by myself to CitiBank regarding a credit card that we were having trouble keeping up on the payments. We were working with an advisor who told us to send a letter about the situation and and ask to speak with them. Part of the letter sent is attached. The other portion just stated our hardship and we were looking to work with Citi to get this situation resolved. We did receive a letter back and all it stated was to call them. I began calling on XX/XX/17 when the letter arrived. I have attached my call log but also provided a summary here. I was never allowed to speak with anyone regarding the account. Each phone call I was just told account was under review and given a date as of when to call back. When I called back at each date given, I was told once again account was in review, no one could speak with me. The date to call back just kept getting later in the month. In total, 5 phone calls were made by me and I was never spoken to about anything regarding the situation. The ID numbers provided by the representatives who answered the phone are also provided in the log I have attached to reference each call. On the last call XX/XX/2017 I was told the account was sold. They would no longer speak with me. This was not even to the date of XX/XX/XXXX that they said would be when to call back. I just kept calling even before the dates given to try to get some sort of communication and resolution. The account is now in collections without any communication from Citibank and never once being able to speak with anyone at the company in any manner or form. They did not reach out except the letter in the beginning that said to call. Again I did. Again they never took the calls. The dates given as to call back to speak to someone just kept getting extended until one day, 4 days ahead of the date I was told to call, they said they would no longer speak to me.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

Hello, This is in reference to a vacation I booked through Chase Travel using my Chase credit card. This is one of my last resorts as Chase has completely failed to assist with the issue at hand and has passed this issue from department to department without a resolution. I booked a hotel in XXXX, XXXX for XX/XX/XXXX for 3 days, the hotel ( XXXX XXXX in XXXX ) was closed during this time due to Covid-19.  Additionally my wife and I were unable to travel due to my wife being an essential worker and the stay at home order sent down by the State of New York where we reside. This issue was first discussed in XXXX which we disputed the charges due to the global pandemic and Chase using the guise as Chase Travel which I believe is actually XXXX has had no engagement with this process except for declining the issue as stating this dispute is not valid even though the hotel was closed and the global pandemic prevented us from traveling. Since the hotel dates have passed the said they could not refund us our money because our trip has passed and they have no record.

We called again and Chase Travel said they can only give us a voucher for the trip. They repeatedly were ambiguous and only acknowledged our trip with our itinerary number after we said we would accept the voucher. Which is in processing now.. 
This is to dispute Travel transactions for a trip booked on XX/XX/XXXX on credit card # xxxx-xxxx-xxxx-xxxx, exp. xx/xx, Name : xxxxxxxxxx This tripped was booked under Chase Travel with understanding that this was a secure and confident booking. Due to Covid-19 my wife ( xxxxxxxx ) and I can not travel due to the virus and events that were planned were cancelled because of these extraordinary circumstances. 
1 ) Transaction # XXXX XXXX Amount {$1100.00} -Date XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE TRIED TO CONTACT XXXX XXXX XXXX XXXX XXXX XXXX THE ENTIRE WEEK DURING WHICH WOULD HAVE BEEN OUT STAY AND THE HOTEL IS CLOSED. THEY CAN NOT PROVIDE SERVICES BOOKED. A REFUND IS UNACCEPTABLE. I EXPECT A FULL REFUND. THE HOTEL HAS BEEN CLOSED FOR SOMETIME NOW AND THEY WILL NOT COMMUNICATE WITH THERE CUSTOMERS. A VOUCHER IS NOT ACCEPTABLE DUE TO TRAVEL ISSUES AND RELIABILITY OF THE HOTEL TO PROVIDE SERVICES. PLEASE ADVISE. 
Sent 6 letters thru my Chase account under secure letters on:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Also called over 30 times  between XXXX and XXXX. 
Thank you.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX account number ending in XXXX with a balance of XXXX dollars 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX our company ( a non-profit organization ) made an online transfer of {$24000.00} from our Wells Fargo savings account to our Wells Fargo credit card account in order to pay off the current balance. On XX/XX/XXXX we discovered that the payment amount was deducted twice from our savings account instead of once. We phoned Wells Fargo that same day to notify them of their error. A Wells Fargo agent responded that the error would be corrected and the second ( erroneous ) transfer of {$24000.00} would be transferred back to our savings account. On XX/XX/XXXX we checked our saving account balance and discovered that the error had not been corrected. Phoning Wells Fargo on that same day, the agent told us that it would take 7 to 10 business days for the money to be returned to our account. We let them know that that length of time to restore our funds was unacceptable, but they said there was nothing they could do to restore our funds to the savings account any faster. 
In this day and age of immediate electronic transfers, 7 to 10 days seems extraordinarily slow for the correction of this errorthe banks errorand makes one wonder if Wells Fargo delays these types of error corrections for their own financial gain.
Consumer complaint received 2019-01-05
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: PNC Bank N.A. (PA)

To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Consumer complaint received 2017-12-23
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: Experian Information Solutions Inc. (LA)

Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Garcadia Financial LLC (AZ)

I purchased a brand new car on XX/XX/2018 and financed through XXXX XXXX. The loan amount was {$26000.00} at a 12.24 % interest-rate. After reviewing my past two car payments I noticed that a majority of my payment is going to interest alone. 
A {$510.00} car payment split between interest of {$270.00} and {$230.00} going to the principal. When I contacted foursite they told me that there was an additional {$8.00} daily interest which comes out to about {$250.00} in interest added to my 12.24 %. I was never made aware of this. 

The whole reason I purchased the vehicle was to trade in another vehicle at a 25 % interest-rate for a lower interest. Foresight told me theres nothing I can do and Im stuck with the loan basically. They wouldnt even provide me information on where to complain about this issue.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (GA)

I have attempted to register as well as determined the balance of the card. When using both the website and calling automated as well as speak with XXXX about how the XXXX and XXXX code is not received no options for {$50.00} to be register or reviewed. XXXX at XXXX states she cant help me with the XXXX code provided on the back nor can anyone else. No where to have someone see the code is stated on the back side.
Consumer complaint received 2020-02-05
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. (AL)

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT
Consumer complaint received 2018-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

The past 4 years I have appealed and waited for XXXX and have been able to save my home. Following a Fully Favorable decision being deemed XXXX XXXX XXXX my check arrived late XX/XX/XXXX. I was attempting to reinstate my loan in full starting XX/XX/XXXXand was told they had to request a reinstatement total. I had not received the total and called repeatedly. I was told my request would be " escalated '' which would produce the total in 24 hours which I was promised for close to 1 month. I spoke with numerous representatives and supervisors minimally 3 times per week only to be told they were stumped as to why the RQ was not available. On XX/XX/XXXX. I received notice a NOTICE OF DEFAULT that had been filed with the County Clerk and XX/XX/XXXX received my reinstatement quote dated XX/XX/XXXX with an additional fee for the filing of the Notice Of Default. There was no question I would be paying all past due money and feel delaying me 30 days with lies was unnecessary.

It is common knowledge what having a Notice of Default filed generates. People knocking on your door, mail with postcards claiming how to save your home, phone calls daily. It lasts for months and is humiliating. I do not feel it is fair if I was attempting to pay being held in limbo for a month to allow for these extra charges and the humiliation involved. I expressed my feelings to many representatives was told it would be best to pay the fees becoming current then contest the charges. I did just that and did not receive any response other than the acknowledgment of them receiving my grievance.

My Reinstatement Quote was good through XX/XX/XXXX yet I learned after paying the XX/XX/XXXXpayment had not been included and needed to be paid immediately.

In addition the following month within my payment was additional late fees and an escrow shortage ( a cushion ) which had raised my payment to {$1400.00}, an additional {$200.00} per month. I have attempted to resolve these issues yet have been told there is nothing that can be done. This resulted in an extra {$3500.00} total extra that I had n't planned for.

A reinstatement quote should be just that, all missed payments, late fees, ect. My escrow is not going to fluctuate as I have new homeowners insurance and my taxes are not expected to change. A cushion of {$700.00} is excessive and not warranted.

Please review my account and hopefully I can receive credit for fees paid and have my payment revert to the amount prior to the escrow cushion.

I actively have an application for Tax Postponement being reviewed for XX/XX/XXXXand XX/XX/XXXX which I meet guidelines and am expected to have granted.

I am currently being evaluated for a modification and hope my request for review will not affect the outcome as I should be able to have my account reviewed without fearing retaliation.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting the following XXXX XXXX  XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-01
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. (TX)

XXXX XXXX sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. XXXX XXXX knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (CO)

In XXXX of XXXX  I received a call from diversified consultants, claiming I owed {$140.00}. I explained to them I just got back from XXXX and they said my balance was XXXX and I had returned all equipment. I also explained I wasnt in any contract with XXXX to owe any money, it was a no term agreement. In which I never provided my social security number to obtain any type of credit. The representative I spoke with at diversified said since my social security number was not provided it would not be reported to my credit report. She stated she would mark as a dispute, and provide me validation or verification of the debt before they proceeded any further. 
On XX/XX/2018, I received notice from XXXX that there was a collection for {$140.00} reported. I was highly upset! I have worked for the past 6 years to obtain a XXXX FICO, and was misinformed by this company. When I called back I spoke with a rep I inquired on how my social was obtained she stated it was in the contract with XXXX, which I knew was untrue, because XXXX verified it wasnt. I also explained that this was resolved directly with XXXX and that they needed to remove collection from my XXXX   bureau and not report anything to my credit bureaus going further, they refused stating they cant remove anything.
Consumer complaint received 2018-08-23
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. (PA)

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Card Ending In XXXX There are no Balances owed on any Credit Cards
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.