davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MA)

XXXX ( through XXXX XXXX XXXX ) offers promotional 0 % interest on certain purchases. I opened a new account and made a purchase for {$4900.00} on XX/XX/XXXX. They market this as 0 % interest for 12 months. I made additional non-promotional purchases during the same billing cycle for {$860.00} and retuned {$140.00} for a net balance on those non-promotional purchases of {$720.00}. On the first statement due date of XX/XX/XXXX I paid {$750.00}, but was charged interest. 

I spoke with XXXX on XX/XX/XXXX and they indicated that {$170.00} of my payment was applied to the promotional balance, leaving an outstanding balance of {$150.00} on the interest bearing non-promotional purchases. 

Within the promotional fine print there is a disclosure that a minimum principal payment will be applied each payment cycle, but nowhere on the statement does it disclose the amount that will be applied to the promotional balance, so there is no way to know how much you need to pay to cover both non-promotional purchases and the minimum principal payment due on the promotional purchases unless you call them in order to avoid paying interest on any non-promotional purchases
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

I opened an new account at TD Bank about a month ago. I deposited my paper check which was issued because I changed TD Bank to be my direct deposit bank through my job because of convenience ( well I thought ). Well that check was deposited Saturday, XX/XX/XXXX. I called and spoke with a gentleman with TD bank and asked when I would have access to my funds if I deposited my check and I even addressed to him that I just opened this account and he not once mentioned anything about a 10 day hold. So I deposited it and in thinking my check would be good in at most 2-3 days since it was a weekend. Up to this date my funds are still on hold and just like anyone else I have a family that I am responsible for cant buy groceries, pay my bills or even get gas for my transportation. So with all this and the fees accrued {$70.00} from the bank for not releasing my funds because I was under assumption it would be so I used my card to immediately get XXXX dollars ( because the same gentleman that I spoke with via phone call about depositing my check said I would have access to the XXXX dollars ) after deposit and fueled my vehicle. I think this is a very unprofessional and misleading bank they never spoke of this once while I was on the phone opening my account or the day that I deposited my check. The teller at the banks are not friendly at all, they treated me like my business was second class. I just want access to my funds. My personal bills have accumulated fees because of this. Due to the situation we are currently under no person should be put through something like this. The first time I went into one of the banks the teller told me she would call me and never did, that was Monday, XX/XX/XXXX. And that teller even verified that day with my companys bank that the check was legitimate. Then this morning XX/XX/XXXX I went to the same bank thinking they would have a record of the check clearing and she gave me the same song and dance I will call you after I verify the check with the bank! I mean this is ridiculous, how is a person supposed to feel after this. My family, my living and even no consideration of my situation of even caring about it. This bank needs to be more transparent about fees, holds, and everything. I would like the monies that has already been deducted from my supposedly held funds that they are taking and they sure didnt have any problem deducting those monies from my deposit. I wish I had NOT opened an account with this bank, seems like they are in business to take peoples money and I dont want them to do what theyve done to me happen to anybody else!
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I use a Bank of America product referred to as Bill Pay with a feature called " Auto Pay ''. With " Auto Pay '' the merchant sends an electronic bill directly to Bank of America who then withdraws the amount from my checking account and pays the bill. 

In XXXX, Bank of America failed to pay my XXXX XXXX bill. XXXX XXXX alleges that it has nothing to do with them. Bank of America initially responded by telling me to inquire with XXXX XXXX. I sent a second request to Bank of America which included negative feedback regarding their initial response. Following this, they responded the second time stating that XXXX XXXX did not send an electronic bill in XXXX and therefore there was nothing for them to pay. ( The XXXX XXXX auto pay has been on for years as well as many other merchants and it typically works without any problems. ) In their response they stated that I have the right to request to see all documentation related to how they drew this conclusion. Upon requesting the documents, Bank of America responded by sending my a copy of my emails to them. ( This is the second time they have responded this way. ) They should be sending copies of all internal emails that the representative responding to my request sent to the Bill Pay group as well as any follow up telephone calls, emails and computer printouts that show that they did do an investigation. 

It appears that they are answering these types of issues with no or very little effort which is another clear indication that Bank of America does not concern themselves with quality customer service because they know, as we all do, that they are 'too big to fail '. This attitude needs to stop!! 

The case number of my initial inquiry to Bank of America is : XXXX Thank you XXXX XXXX
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am a premier customer with this bank and attempted to make an international wire transfer to another company through their online web portal. The system is secure and works well, except that the wire process never shows the actual amount that the recipient will receive at the current exchange rate i.e. I am never told what rate is being applied. I called their customer service on XX/XX/XXXXand the representative said that it should say in fine print, once you confirm your transaction, which never happened, even when I confirmed my whole wire-transfer process. I was not happy about that and was able to cancel this transfer within 30 minutes, however I feel this is really dodgy service by this world renowned financial institution and I am super-frustrated with their wishy-washy response which has wasted a lot of my time, and possible monetary loss due to fast changing exchange-rate which is not in my favor. Kindly take a look and have them enforce a clear communication about the exchange rate, so I can proceed forth with this.
Consumer complaint received 2022-03-30
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. (CA)

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

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

15 U.S.C 1681 section 602A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have XXXX school loans with FedLoan Servicing. I was paying them with the income based repayment plan -- - in the hopes of meeting Public Service Loan Forgiveness ( though I now understand that almost never happens ). I am back in school for an XXXX while working full time as a XXXX. In this last semester of school, Spring 2019, FedLoans put me into loan deferment for school without asking or even notifying me. I did not know I was in deferment until I noticed that my loan amount wasn't deducted from my bank account. 

I have contact them to fix this in the following ways : 1. I called them and asked to get out of deferment as I never requested to be in deferment or approved that they place me on it. They told me they are allowed to do that and I can fix it by filling out a form -- which I did.

2. A couple months later, I was still in deferment. I called again. They said the form didn't go through so I need to fill it out again -- which I did.

3. A month later, I am still on deferment. I called again. They said, " I see your form here. Let me see why it has not be processed yet. '' I noted that I was filing a complaint here and they connected me to the enrollment team to " fix the problem immediately '' -- wish I knew that trick before. They have assured me that I will go back to my income driven repayment and automatic bank withdrawal and that this will not affect my PSLF qualification. 

Of note, it is difficult to access the customer service at FedLoans via phone. They do have an email address though they have never responded to an email inquiry I have sent. 

I am concerned this makes my chance of meeting the PSLF program requirements even lower than the currently cited 1 %.
Consumer complaint received 2021-04-01
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: Experian Information Solutions Inc. (NV)

Experian has failed on numerous attempts to correct my credit report since XX/XX/2021. They have violated several FCRA laws including but not limited to : Reporting a debt as charged off, when it was settled or paid off. Reporting inaccurate and incomplete information on my credit report affecting my credit score negatively. Didn't provide their method of verification that included : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response e-Oscar verification was unacceptable. Old information furnished as new information. Wrong furnisher addresses listed on my credit report. They failed to follow guidelines for handling disputes. I send over several disputes that Experian did not follow guidelines when they handled my disputes. They are still reporting incomplete, inaccurate, and erroneous information on my credit report. They keep responding back that the information has been validated and/or validated. However, they never addressed each issue I was disputed. Still showing negative accounts that should be deleted. The updated information still didn't fix the inaccurate information and now I have been denied credit and paying higher finance charges. They failed to send me notifications in writing. I have accounts that reporting as being re-aged by collectors. The original creditor is showing a balance and the collector and a balance owed when it was paid in full. Previous account information was provided in the previous dispute. Experian sent an update on one of my disputes today stating it was verified and accurate. So I'm filing another complaint because they aren't looking into the matter seriously. This is even after I filled a precious dispute.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NE)

I am a XXXX yr old female in XXXX, Nebraska going through a divorce and opened an account in matrimonial site XXXX. A person named XXXX XXXX XXXX contacted on website and later texted on XXXX. His phone number is XXXX XXXX XXXX. He said he is an architect, widowed and has a son in XXXX. His son also contacted me from phone number XXXX XXXX XXXX saying his Dad asked him to connect with me. After few days he said he is going to XXXX for an ongoing construction project where he is getting millions of dollars back. From there he said he needs money because he got stuck with the materials at port need to be shipped and company is not sanctioning money at this stage because the project is not completed. He begged for help and asked for a temporary loan to wire transfer to his friend in Florida XXXX XXXX on his Fifth Third bank account number XXXX in Ohio. I did send wire transfer from my bank XXXX XXXX XXXX XXXX XXXX {$50000.00} on XX/XX/XXXX. After that he kept asking more and more facing more issues and I sent several other transactions from my XXXX XXXX XXXX total of {$71000.00} wire, plus {$3000.00} by XXXX XXXX Tracking Number XXXX XXXX XXXX on XX/XX/XXXX and {$1000.00} XXXX XXXX cards for his son.Total money lost is {$120000.00}. On XXXX, he was planning to be back and return money, he did not show up. I suspected fraud and informed my banks and police. His friend XXXX whose number is XXXX contacted and said that he is sick and admitted in a hospital in XXXX asking for more money for his hospital bills.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, Equifax, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the XXXX XXXX,
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

My wife and I have consolidated loans on an Income Based Repayment plan. The amount due each month keeps changing. We usually pay online but last month Navient made changes to their website so that it will only accept amounts equal to, or greater than, the minimum amount due. The problem is that the minimum amount due is 84 % higher than the payment plan. 

We have made a couple of these almost double payments but will be unable to continue.
Consumer complaint received 2023-04-07
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. ()

I had funds that I earned some tears past in XXXX XXXX whee I was involved with power XXXX XXXX to XXXX XXXX XXXX and all earnings were deposited to XXXX XXXX XXXX  XXXX, as there was only one small bank in XXXX and not recommended, XXXX being the assumed safest option. 

I requested XXXX  XXXX early this year to transfer my funds to my XXXX XXXX XXXX, then I had to pay the usual fees to make the transfer, this done I was given details that the transfer had been made by XXXX XXXX via their corresponding bank Citibank New York. 

Then I was taken ill with XXXX and after treatment resumed to find oit where my funds were, dealing with a Dr , XXXX XXXX, I was sent details of my funds on route with Citibank, I then again contacted Dr , XXXX XXXX of XXXX XXXX to ask what was the delay, after more fees requested. 

I then sent a letter to XXXX in USA and received a positive reply from a XXXX XXXX confirming my funds were indeed in Citibank New York waiting onward transfer to my XXXX XXXX XXXX. 

He asked me to obtain the XXXX document from Dr , XXXX XXXX at XXXX XXXX, this I arranged and XXXX sent this to XXXX XXXX. 
Then several E mail exchanges with XXXX XXXX, then he said there was a hold on my funds by XXXX XXXX and that I would have to send {$500.00} Dollars to allow my funds to be transferred, this I did and I was given the bank account in XXXX XXXX Florida for the XXXX XXXX lawyer namely XXXX XXXX XXXX XXXX, he then confirmed by E mail that he had received the {$500.00} Dollars, then another E mail from this XXXX XXXX XXXX to say I had to pay IRS Tax of {$1000.00} plus Dollars, at this while I questioned him as I know there is NO such tax as my funds were being in USD have to transfer via the United States, while arguing by E mail, I became suspicious So yesterday I called the XXXX XXXX head office in New York and they put me through to their official register and after their search advised that there was NO XXXX XXXX XXXX XXXX in any office of XXXX XXXX and also that his E address was not genuine. 

Today I had exchanges again with this XXXX XXXX XXXX XXXX, threatening to cancel all my funds in Citibank if I did not pay up this IRS tax. 

meantime just to be certain I was waiting an E mail confirmation from XXXX XXXX of XXXX XXXX who when it arrived he had re-confirmed that XXXX XXXX XXXX XXXX was a FRAUDSTER and to take action as I do now with your esteemed office. 

I have several documents that I would like to attach as evidence if you can let me have an E mail address I will send
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-08
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. (NC)

I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX   balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, TransUnion and XXXX  to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around XXXX to around XXXX on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around XXXX. This is now a huge problem because my husband and I are trying to buy a house and his score is around XXXX. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. XXXX XXXX has been no help.