davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (KS)

I applied for a US Bank card several months ago and was approved. It was advertised as 0 % on balance transfers for 20 billing cycles and 0 % on purchases for 20 billing cycles.

Our air conditioner recently went out, so we decided to put the new air conditioner on the US Bank card for the 0 % for 20 months. When completing the balance transfer, the months were never clearly disclosed when prompting through the system. Specifically, no months were listed, period. Their system refers the customer back to the original promotion.

When the account billed, it stated the promotional period of 0 % ends on XX/XX/XXXX -- that is not 20 billing cycles. Essentially, the 0 % applied from the first date of the first bill they sent out. They should have clearly disclosed this in the terms when I applied for the card and when the balance transfer was completed. Ordinarily, a company would clearly say the interest rate applied for the first 20 billing cycles. This would imply from them date the account was opened -- they would not simply say billing cycles. Billing cycles implies to the customer that it is from the first time the purchases was billed. 

I am sending a copy of the advertised promotion from XXXX. I am also sending a copy of the statement. If needed, I can send the written terms their system generates when applying for a balance transfer.
Consumer complaint received 2020-09-17
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: AMERICAN ADVISORS GROUP (TX)

American Advisors Group ( AAG ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
AAG, XXXX, XXXX, XXXX XXXX, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I submitted a request to refund loan payments i made on my federal student loan between the dates of XX/XX/XXXX and XX/XX/XXXX to Nelnet, my student loan servicer. The COVID-19 emergency act targetting student loans stipulates that payments are not mandatory during this period and i can be refunded for payments made. My loan servicer, Nelnet, has not been responsive about this request. I have called and emailed. I have yet to receive confirmation of a process even being started to get my money back. It's impossible to get ahold of them and they make it difficult to do so.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Accounts, Inc. (ND)

This specific debt collection agency ( United Accounts ) is refusing to  provide validation of the debt owed and the origin of the debt. I've sent numerous certified letters and my attorney has tried to obtain validation of the debt. The company is refusing to provide the information nor are they returning calls. They are claiming that I owe over {$8000.00} which they're reporting to mine and my husband 's credit reports.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

I have filed for reimbursement related to a rental car with Chase Sapphire card ( using their required process via XXXX ). For 3 months they have given me the run around, constantly requesting the same document which has already been supplied multiple times. They are not acting and approving my valid claim and instead lie and deceive the customer with constant fraud replies. I need my funds sent to me asap ( Claim Number : XXXX )
Consumer complaint received 2019-06-08
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. (CA)

Spoke to a customer service representative named XXXX on XX/XX/19 to lower my interest rate was refused the option even though I have never been late since I had my credit card Explain to several representatives that I was having hardships and explain what the problem was, and still, I was told to call back several times, I closed my account on XX/XX/19 and I was told that I would still have the option to pay my bill online, but Citi bank disable my account and refuse to send out paper statements so I can pay my bill. 
Sent out a hardship letter the beginning of the month asking for a couple of months to pay a certain amount until I could start back paying my regular payment and was not given the options by representative XXXX was told to call back. Made my last attempt to make arrangements on my credit cards and spoke to XXXX XX/XX/19 and she had to start all over with the process of qualifying me for a program with Citi Bank to make payments. 
I went online XX/XX/19. To pay my bill and my accounts had become disable and I was unable to do so. Vice president sent me a general letter requesting me to call customer service and the Credit Card company has made it impossible to work with them. If they are going to disable my account where I can not pay them online, which was convenient for me, I should have been told that when the arrangements were made today by telephone by XXXX.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (GA)

I am currently being harassed by a company named XXXX XXXX about a debt from Flexshopper. I have what they called an independent investigator threatening both myself and my mother, saying he is coming onto my property. I called the company to talk on XX/XX/XXXX and had a talk with the account manager, who I realized was the same person threatening to come to my home. The next number my cell phone starts calling at XXXX XXXX. I answer the phone and I the same man who I spoke with started yelling at me, asking me for {$2000.00} and that he will be at my house within 5 minutes. He also started asking to speak to my mother and called her by name.He continued to call but would not say anything after I advised that I am recording all calls. He continued to call my phone from a private number and as of XXXX XXXX  on XX/XX/XXXX, he has called 25 times which has be and my mother with high anxiety. I know that it is him because you can hear his kids playing in the background on every call while he remains silent. I need this harassment to stop, my mom is elderly and upset and is threatening to shoot anyone that comes on our property
Consumer complaint received 2020-12-05
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. (IL)

I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems , Inc is reporting multiple inaccuracies to XXXX. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. MDS never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


XXXX  continues to allow them to report multiple inaccuracies without proper investigations. XXXX  is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX applied for a PPP loan with a third party lender in the amount XXXX that was disbursement to me on XX/XX/XXXX deposit in to my Capital One Bank Acct # XXXX the funds was place on hold XX/XX/XXXX I call them and they requested my XXXX Tax return i send it to them also send them my SBA loan forgiveness note that the XXXX was full forgiveness now they have place a hold on my saving acct XXXX that had XXXX I have call and email them several times and still no respones coming out a pandemic this has caused lots of hardship on me I need help deal with CapitalOne Bank
Consumer complaint received 2019-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My name is XXXX XXXX XXXX XXXX, I was the victim of an indirect fraud via XXXX on Bank Of America To my Bank Of America account. I sold some Bitcoin on XXXX  the user paid me with the account that was hacked, I received the payment and I did Not check the account senders name against the name and the name on the XXXX account, so I release the Bitcoins. About 3 days later I got a blockage on my Bank Of America to account, only then I realized what happened. I explained to BOA in details what happened and also send them proof that I was also a victim on this scheme, and that It completely irrational that if it was about to commit such a fraud I would my legal account to damage my own banking reputation. Bank Of America has a really vague antifraud support infrastructure and they are quick to create an incomplete fraud report especially when they don't have any skin in the game. Not only I lost the Value in BTC but I also paid for the USD fund that was hacked to the other  individual. I'm looking to clear these false and unjust fraud claims out my record.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported  to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and  collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Received offer # XXXX on XX/XX/2021 from Capital One to add an authorized user and spend {$1000.00} by XXXX to receive a {$100.00} statement credit. User was added and spent more than {$1000.00} before XXXX. Many agents confirmed this on phone. After speaking to 10+ people over a few hours in a couple of months, I still have not received the offer. I was told originally it would be done by the end of XXXX. It is now XXXX and I have spoken to 6+ people on my call today. I just want the {$100.00} credit I'm due.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KY)

On XX/XX/XXXX, I received a letter from Convergent Outsourcing stating that I owed XXXX for a debt back from XXXX in the amount of {$370.00}, but Convergent was willing to settle the debt for 65 % of the balance ( {$240.00} ). 

On XX/XX/XXXX, I sent a debt validation letter to Convergent because I had no knowledge of owing this debt whatsover. 

On XX/XX/XXXX, I received a letter from Convergent stating that they had satisfactorily verified this debt, and attached purported bills from XXXX with someone else 's name someone similar to mine. 

On XX/XX/XXXX, I sent a follow-up dispute letter to Convergent, informing them that again I had no knowledge of this debt, and to look at the debt validation " proof '' they sent me, it did not even have my name on it - it was someone else 's name. 

This debt should not be collectible, as I have provided ample evidence it is not my debt, and the validation " proof '' they presented bolsters my argument since my name is not even on the invoices they submitted as validation.
Consumer complaint received 2022-11-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2018-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NC)

Call is from Citi Cards. They keep calling me over a MasterCard debt. I finally decided to address them today in-depth after I've already told them before not to call. I told them I do not have a MasterCard. I told them very firmly. They accused me of yelling at them when I was just firmly stating I do not have a Mastercard. At which point I said I only have visas that's how I know I don't have a MasterCard debt. Then they said well that's great we can help you with your Visa debt to you can save thousands of dollars. I said no thank you please take me off the list. They refused to even listen to me. I ask to speak to a supervisor. I asked repeatedly. He kept interrupting me and finally said I am the supervisor. I said great. Please remove me from the list. He refused and kept telling me no no no no no no. This needs to stop. I told him he would be reported.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (NJ)

I was using my moms car because my car was not working. And forgot to transfer my XXXX tag to her car. Then I have received XXXX violation and I replied to them each time they sent it to me. Then couple of months later I received a letter from alliance one saying i owe {$700.00}. So I called XXXX  to understand why they are asking me to pay this. They told me you never replied to our violation. So I told them I did. They asked me which way. I told them by mail. Then they told me I should of called it in because we dont always receive all by mail. So now Im stuck between alliance one asking me to pay {$700.00} and XXXX. So I called alliance to find out how much the tolls were and they told me its around {$200.00} so I paid the tolls. And now they want me to pay for the fees. But I dont owe them that because Im an XXXX customer.