davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CO)

My mother made the payment on my discover acct. The odd thing was it requested the payment be processed thru my XXXX XXXX XXXX XXXX checking acct ending in XXXX we paid XXXX XXXX then XXXX mths later we get notification of missed payment. said balance of XXXX, when we did it only showed her XXXX XXXX XXXXXXXX XXXX checking acct ending in XXXX. Its reporting a missed payment when we have never missed a payment and it has dropped mmy credit rating from XXXX to XXXX for XXXX missed payment. I would like this missed payment removed from all credit files. My mother had 100 % payment history for 7 years and now this dropped her from 100 % pymt history to 99 % and has negatively impacted my credir and hers. they can pull up XXXX XXXX ssn XXXX and see she has never missed a pymt as well with tthem. This is an error on behalf of discover
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CO)

I paid {$100.00} to destiny XXXX on the XXXX of XXXX. If cleared my account on the XXXX of XXXX. It is now the XXXX and my credit limit has not increased to show the payment. The payment has not been pending since the XXXX of XXXX and I still do not have it as available credit.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and saw accounts reporting that I do not recognize : Acct Name : XXXX XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX
Consumer complaint received 2022-10-27
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. (FL)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION.
Consumer complaint received 2022-05-16
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. (AZ)

I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (OH)

XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Called to get replacement card. Was told the new card could not be mailed due to some previously returned mail. Spoke to Supervisor, was told nothing was returned. Then when they tried to request a replacement card, it showed again - some returned mail, no information on what and when was returned. The address on account was CORRECT, but they demanded Primary card holder to confirm the address. Now representative has no information on WHAT was returned. 
Apparently they do not have their record straight. 
Now they asked me to go to mobile app to confirm - and again - a problem. 

I am spending over an hour requesting a replacement card. 

Poor customer service. 
Representative name XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My credit card was charged {$400.00} on XX/XX/XXXX. This was a billing error and credit card should have been charged {$240.00} for a food bundle as referenced in the payment authorization form. The merchant provided Bank Of America copy of a store credit that was provided of {$160.00} as part of the dispute process. The merchant failed to inform Bank of America that the store credit of {$160.00} was not used and the membership was canceled on XX/XX/XXXX. The merchant has overcharged the credit card by {$160.00} and Bank of America has allowed the merchant to overcharge my credit card by making a billing adjustment on XX/XX/XXXX for the {$160.00} that was in dispute. BOA did not do a thorough investigation to find out if the gift card ( store credit ) was ever used or if the membership was still active to use the gift card ( store credit ). 

We have another dispute with the same merchant for the same issue. Merchant charged {$400.00} on XX/XX/XXXX. 

I emailed merchant to request a refund be issued for {$160.00} on XX/XX/XXXX. Merchant said they will not consider refunding the overcharge amount of {$160.00} from XX/XX/XXXX until the other disputes have been resolved. 

The dispute was plain and simple. The payment authorization form signed on XX/XX/XXXX states bundle price was {$240.00} but merchant charged {$400.00}. Bank of America relied on false and misleading information provided by the merchant to make the billing adjustment on my credit card for {$160.00} on XX/XX/XXXX without even asking me to confirm if the gift card ( store credit ) was available for use. Again, this dispute is because the credit card was charged more than what was authorized. Dispute has NOTHING to do with the merchant 's return, refund or cancellation policy. 

Bank of America approved my claim for {$400.00} for the overcharge amount on XX/XX/XXXX which is the same situation that occurred on XX/XX/XXXX. The merchant is not following the terms and conditions of the payment authorization form and Bank of America is not requiring the merchant to comply with the terms and conditions as stated in the payment authorization form and charge the correct amount of {$240.00} for the food bundle. I have called Bank of America 3 times to explain the issue and Bank of America issued a denial of my re-evaluation of the claim of {$160.00}. 

Bank of America is allowing this merchant to keep {$160.00} of my money by not conducting a full and thorough investigation.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a self-directed online brokerage account with XXXX XXXX, called XXXX XXXX, in XX/XX/XXXX. Thereafter, I received marketing material from Bank of America ( " BofA '' ), promoting the benefits of opening checking and savings products with Bank of America. Of the benefits listed, BofA noted that an aggregate balance of above {$10000.00} would result in the waiver of maintenance fees. BofA specifically notes that the value of a XXXX XXXX account, combined with the value of all BofA accounts, will qualify a customer to receive this waiver. In XX/XX/XXXX, I set up a BofA checking count, and shortly thereafter successfully linked my BofA and XXXX XXXX accounts. I received verbal confirmation that this took place. In XX/XX/XXXX, the aggregate balance of my BofA and XXXX XXXX accounts surpassed {$10000.00}. For two pay periods until XX/XX/XXXX, BofA nonetheless charged a monthly maintenance fee to my checking account. Upon calling BofA in XX/XX/XXXX, they made an excuse that my accounts were not linked, which in fact they were. They apologized, credited my accounts immediately, and confirmed verbally that the accounts were in fact linked and that I qualified for the waiver. In XX/XX/XXXX, I discovered that my checking account continued to be charged a maintenance fee. Upon calling BofA, they again stated that my accounts were not linked, and instead blamed XXXX XXXX for the problem. My XXXX XXXX representative called BofA to resolve the problem, and BofA again claimed that the accounts were not linked. Further, they mislead the BofA representative, and claimed the accounts needed to be valued at above {$20000.00} to receive the fee waiver. Shortly after the call, and without my knowledge, BofA corrected an error to mask that the accounts were never in fact linked, and failed to notify me of this correction. This directly contradicted a year 's worth of service, during which they mislead me to believe that my accounts were linked. Upon calling BofA to speak to a supervisor, the supervisor acknowledged that they had corrected the error, finally, without my knowledge, and assured me they would document that they had acted without my knowledge. I believe BofA intentionally broke their promises to me. They failed on the several occasions noted above to fulfill their promised services. They further, surreptitiously, tried to cover up their failures. Then, when confronted, they apologized and made excuses as to their series of error and misconduct.
Consumer complaint received 2017-08-21
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. (MA)

I have XXXX credit inquiries in my credit report that are not made by me. XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX, XXXX, XXXX/XXXX and I called their customer service would not help and take care of the negative inquiries reported in my credit report.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in  XXXX   XXXX  and paid it off in  XXXX   XXXX . All  XXXX  credit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (CO)

The ending of XX/XX/2021 a XXXX excercise bike was order thru Fortiva Retail Credit amount was {$2000.00} and the bike was {$1400.00} I had for almost 2 weeks but I decided I wanted to return the bike due to not being fit for me so I contacted the merchant Fortiva Retail Credit and also XXXX and made return request to have them pick the item. they received the item on XX/XX/2021 which was credit back {$100.00} and {$1300.00} just before that a payment was due on XX/XX/XXXX which I made a payment of {$82.00} before the due date and I still return the item back to them. Now after they received everything back and I don't have nothing of theirs they sent me a statement stating I owe them {$45.00} for what?? I don't know, I am not late on anything I contacted them 2 times already and nothing is being resolved but the representative arguing with me about the balance owing. I asked them to explain what I owe them for she tried to say that before the purchase and I explain I gave everything back and on the statement it stating late fee which I didnt have a late payment at all but they trying to charge me {$45.00} for what they can not explain I asked for a supervisor or manager and gave me a dispute number XXXX XXXX
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (OH)

I received Loan funding from U.S. Bank for a vehicle on XXXX in the amount of {$4500.00}. 
After weeks of no paperwork from U.S. Bank I went to the branch as was told to go get a 45 day tag, After that expired I was told by the branch to go buy another that the sellers XXXX XXXX had sent the payoff amount to the agency in the sells name and that it had to be reissued. On another trip to the branch i took them a copy of a letter from XXXX XXXX ( the sells agent ) dated XX/XX/XXXX that the title had been released, I was told again that it would just be a fem more days for U.S.Bank to get the title and registration, plates, A month after that letter, with nothing but runaround from the local branch i called the XXXX # for XXXX bank around XX/XX/XXXX, the XXXX # called the branch and then told me the branch said it could be up to XXXX more days, on friday the XXXX I started a e-mail chain with XXXX XXXX XXXX Customer Solutions Specialist | XXXX XXXX XXXX XXXX XXXX XXXX who also spoke to the branch, specifically XXXX, and was told by XXXX, XXXX that XXXX would be going to the XXXX on XXXX today '' the XXXX to get the title, I have not heard from the branch, even after asking for the XXXX # to have the branch manager contact me, I have not heard from XXXX and I have not heard from XXXX XXXX XXXX which leads me to hope that you can help me get the Plates, tags and registration for a vehicle that I can not XXXX XXXX and have made 3 payments on, my XXXX will be due on the XXXX of XXXX and I would like to know how I can put my payments into escrow until U.S. bank has supplied me with all the items listed above. 
Thank you XXXX XXXX
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (DE)

Citi Bank charged me a few for insufficient funds even though I had available sufficient funds. In addition, Citi bank lied to me that they cashed the check and a few hours later, they reversed the funds transfer or check number XXXX and check XXXX, on different occasions and charged me fees. On two occasions, they hold funds belonging to me and delay the clearing of those funds so that they claim that I have insufficient funds just so they can no cash the check and so they can change me predatory fees to their gain and to my suffering. I need all fees refunded and they must rectify the situation with the merchant. I need them to update their check clearing technology so they can not keep lying and using the technology to abuse consumers by taking money from them in fees that are unfair, unjust and predatory especially to XXXX
Consumer complaint received 2022-05-13
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. (MO)

Aidvantage, who has recently take over several of my student loans fraudulently deducted payments for federal student loans without authorization to an account that was never provided directly to them. 

Calling them was useless as they stood by that I set up auto payments which is a lie as these accounts were recently taken over and are NOT in repayment status nor have they been for over a year due to COVID.

I never provided the bank account, never authorized automatic payments, and certainly never authorized payments on accounts that are not even in repayment status. 

I suspect previous banking information was somehow transferred from XXXX to Aidvantage without consent. The money was deducted from a bank account I have not used as a personal bank account in over two years!

On top of this : they over drafted the account and ignored me when I asked if they intended to PAY the fees associated with their unauthorized transaction.