davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received an Amex XXXX XXXX on XX/XX/XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. I then clicked the link to validate the card, which loads on XXXX XXXX XXXX XXXX  / and shows a remaining balance of {$310.00}. I had previously been able to make online transactions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but the card suddenly stopped working and now all online transactions are declined even when using less than the face value of the card. I most recently was unable to use the card on XXXX on XX/XX/XXXX for a total of {$21.00} ( way under the value of the card ). I have also tried using the card at multiple other online retailers but it is always declined. I am unable to use it in store as this is a digital card which the stores will not accept. 

I have two open case numbers with Amex ( XXXX created on XX/XX/XXXX & XXXX created on XX/XX/XXXX ) but this issue has been on-going for months and they are unable to resolve the issue. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-10
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I received a {$100.00} American Express gift card at work in XX/XX/2023. I got the receipt and everything from where it was purchased and have attempted to use it various times in several different places. For amounts much smaller than what is on the gift card. American Express advertises that it can be used virtually anywhere they accept AmEx but I am unable to make any sort of purchase - online or in person. When I go online to check the balance it will not let me log in to see it and keeps asking for XXXX verification over and over again. However my numbers match - I can not check my balance. I tried to call American Express and the wait time was long - I never received an answer.
Consumer complaint received 2018-03-25
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: CITIBANK, N.A. (FL)

On XX/XX/2017 I went into Best Buy just to inquiry about a price of a XXXX laptop at the moment I did not have the full cash to buy the laptop as yet. During the conversation with a Best Buy sales representative he told me that I could get the laptop on finance without having to pay full price for the laptop he told me I could get the laptop if I apply for the best buy finance card and pay it of over time. 

The option that the sales person gave to me sounded interested at the time. I ask the sales associate if the application would be a hard inquiry on my credit report and to his responds he said no that the application would be a soft inquiry and that if I was accepted it would be instant. I ask the representive if he was sure and he said I didn't really wanted to do it at the time because I know my credit was just being built and told him that I would be deny to his response he said that it would not affect my credit if I was denied and that he has seen people that has just start building their credit who got approved for the card. 

At that time the sales rep convinced me and I entrusted him with the information he provided to me the it would not be a hard inquiry on my credit report. A couple months later to my surprised I am seeing the hard inquiry on my credit report from Best Buy and I felt like I was tricked with the old sales tact of bait and switched. 

I have reached out to Best Buy to see what they could do to get my report off and they gave me the run around. The information that came up on my credit report is CBNA/BBY with the contact information XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX and I have seen the hard inquiry on my XXXX credit report I am not sure if it is on the other two credit bureau.
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

I requested a payout in the amount of {$2300.00} from this company on XXXX XXXX, XXXX at XXXX XXXX. The payout method was via Wire Withdrawal to my bank account, which charged me XXXX due to the expedited nature of a 'wire ' withdrawal. It had a guaranteed delivery date of XXXX/XXXX/XXXX. After having not received the funds on XXXX, I contacted them, and they briefly replied that they were working on it. As XXXX time was nearing, I sent them several follow up e-mails and failed phone attempts ( Customer support telephone line is almost impossible to get ahold of, and they claim they do not honor withdrawal issues via phone, only site login difficulties ),  and received no replies. This money was intended for XXXX, rent, and a number of other bills that were due. I relied on this company to pay me out in the timeframe that was promised.. it is now 15 days past my withdrawal date, and 12 days past the expected delivery date, and I have not received a penny to my bank, or any valid e-mail responses indicating when my money will show up.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OF THE ABOVE ARE USED AUTO DEALERS AND AUTO FINANCING COMPANIES. THERE IS NO WAY MY CREDIT SHOULD HAVE BEEN RAN IN ONE DAY! ALL THIS HAPPENED ON XXXX XXXX XXXX XXXX XXXX I HAD MAYBE TWO COMPANIES TO RUN MY CREDIT BUT SEEMS LIKE IT'S BEEN SHARED. I WOULD LIKE FOR THIS TO BE RESOLVED BY HAVING THESE " PULLS '' REMOVED FROM MY REPORT.
Consumer complaint received 2022-08-10
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. (NY)

This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of 2018. I was incorrectly billed and I have proof. 

Please review attachments!
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

I believe that AES is trying to collect on a student loan that was payed in full. The original loan was made with XXXX XXXX. The following accounting is from AES ' own website which I have attached. On XX/XX/XXXX, the loan was consolidated in the amount of {$21000.00}. On the same date XX/XX/XXXX, the next entry indicates an adjustment and a balance of {$19000.00}. The following payment onXX/XX/XXXX brought the balance to XXXX. On XX/XX/XXXX, I paid the amount that was due, {$19000.00} which is the sum of the displayed principal balance of {$19000.00} plus the interest of XXXX. At the time I made the payment I was in deferment status. I began receiving notices from AES in XX/XX/XXXXstating that I owed no money. In XX/XX/XXXXof last year, XX/XX/XXXX, I began receiving bills that money was due. In XX/XX/XXXX I called them to explain that it was my understanding that I did not owe any money because I had paid off the student loan years earlier. AES is currently stating that I owe a balance of {$1100.00} and interest of {$700.00}, interest rate 4.875 % and with late fees and accrued interest. With a Due date of XX/XX/XXXX. I spoke with them again FridayXX/XX/XXXX again requesting the accounting. What I am looking for is a detailed accounting of the loan history. I am upset that after 12 years they start billing and demanding payment. They are unable to explain the details of the money that is due. They never explain the triggering event of why after 12 years this became due. I checked the nslds.ed.gov website and the {$1100.00} is in fact in that system. If there IS that balance due that may have been owed, they never have been able to explain where that balance comes from nor the accrual of interest and the calculations used to demonstrate the accuracy of this billing. I am willing to resolve the matter, but I believe it is reasonable to expect that the billing agent demonstrate how their alleged balance has been calculated. In lieu of full payment, the threat of further penalties and interest absent this accounting feels more like extortion than a sound and reasonable business practice.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (CO)

The agency is pursuing legal action without confirming the dates of the debt as well as the original amount owed. From the information provided the debt collector or original debt holder is a company I currently have a credit card with. they contacted a past employer for garnishment, but never contacted me.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I opened escrow on a property with One West Bank 's home mortgage division, this is after multiple calls with the lender to get timelines and list of documents. On the same day, I sent ALL of the documents on the list of required documents to XXXX XXXX, the loan officer, no missing files. On XX/XX/2019, I called XXXX and she informed me that I need to sign some documents online. I immediately went online to sign and notice there was a mistake on one of the forms and told her to get it corrected and send back to me. It wasn't until XX/XX/2019, 10 days later, I called her to followup since I haven't heard anything, she told me that NOTHING has been done on their end and when I logged into their online portal, the wrong form was still in there. I asked her to get the processor to change the form. Effectively, she did NOT followup as she should have, and did not move the process along. 4 days later on XX/XX/2019, the day that I was suppose to sign off my loan contingencies, I received an email from XXXX telling me that the underwriter needed more documents and that the INITIAL review hasn't even been completed yet, and the purchase agreement clearly spelled out sign off of loan contingencies on XX/XX/2019, and that we were closing escrow on XX/XX/2019. On XX/XX/XXXX, initial hasn't even occurred yet. At this point we have wasted 3 weeks of time and nothing was moving along, AND she did not communicate or inform me or did ANYTHING to push things along. I then called her manager XXXX, who promised me that he would make some calls and move things along. Then I was emailed by another processor, XXXX who then 3 days later send me another LONG list of documents required by the underwriter. Both XXXX and XXXX seems very incompetent, and neither could explain to me what the underwriter wanted. They each gave me a complete different answer regarding a particular document that was needed. Their lack of understanding and knowledge of the underwriting process was absolutely ridiculous and unprofessional. After I had provided all the document requirement only to find out a day later when i proactively called the processor that she still needed 2 pieces of documents from the escrow and that she wasn't proactively obtaining, and refuse to submit the documents from underwriter until all of the documents are done. XXXX and XXXX, the processor are both non-communicative and I have to call them constantly just to get information, as they continue to hender process and extend my closing date. Their competence is costing me $ XXXX of earnest deposit that I owe to the seller and escrow, and this is unacceptable. I have over 100 emails and call logs regarding this process, not able to upload all of them. Thank you for your investigation into this matter.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (TX)

This is the 2nd official complaint against XXXX XXXX XXXX   regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XXXX XXXX XXXX  is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NJ)

I got a loan of XXXX dollars, annual interest from lending club 29.93 % in 36 monthly installments, the amount of installments is XXXX dollars every month. In XX/XX/2019 I made my payments on time and there were no late payment or missing payments. I was struggling with covid XXXX, i lost my job and they helped me for two months and thats when I didn't pay for XXXX months. They increased the number of installments to 38 months, then again when the time expired, I continued to make my payments properly and on time, but I saw that the debt did not decrease normally, the difference is now XXXX dollars. The amount of the debt has increased and it is increasing every month. 7 months ago, when I looked at my remaining debt, the difference was XXXX dollars. 3 month ago i checked the difference and it was XXXX dollars. Now the difference was XXXX dollars. I called the customer service, they did not help, they made up a lot of excuses, they helped as covid XXXX aid, but they charged me more and this debt is increasing every month. As of now, I have XXXX installments left XXXX * XXXX = XXXX dollars, but my debt to them is XXXX dollars now.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TN)

This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.
Consumer complaint received 2019-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I have a retirement account with Charles Schwab. I have been trying since XX/XX/2019 to activate my account after a move from XXXX to XXXX. I have continuously sent in documentation about my current address. I kept being told that it was approved and currently processing ( I have emails, dates, names and locations of service reps stating this ). As of XX/XX/2019, I called again and spoke with an individual from XXXX. This individual finally sent in an urgent request to active my account so that I may take a withdrawal for a home purchase I have been planning. I still do not have an active account however they continue to take fees from my account without processing my order since XX/XX/XXXX as well as possibly being unable to close on the home.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had two credit card accounts with Capital One and a debit account. I paid off both credit cards when my debit account was closed during my recent two-month stay in XXXX and XXXX ( XX/XX/XXXX - XX/XX/2022 ). I have repeatedly tried to reach out to Capital One directly and then subsequently disputed the two accounts ' balances using official channels on XXXX XXXX. I was going to escalate this to a small claims court yet decided to correspond with CFPB first per my research into the matter. I have statements with posted amounts zeroing out both accounts. Anything you could do to help would be greatly appreciated, I am a XXXX XXXX XXXX XXXX XXXX XXXX. Times have been very difficult the last two years, and I am very upset about the almost {$2000.00} I spent paying these letters of credit off. I am not even sure why they closed my debit account ; they said it was inactive for 60 days, yet I had paid my XXXX subscription and the previous month 's CC bills with the same debit card. Thank you for looking into this matter for my family and I ; we sincerely appreciate anything you can do especially if it avoids drawn-out litigation.
Consumer complaint received 2018-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

After almost a dozen written requests you still have refused to acknowledge or correctly apply the forbearance requested in XX/XX/XXXX despite your approval of [ " of '' inserted as correction to previously submitted complaint ] same. You now claim that my account is delinquent. Please correctly apply the XX/XX/XXXX forbearance request. If you need assistance in reconciling your records, or reconstructing records you may have misplaced, please refer to prior CFPB complaints and related documentation.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR/MR COOPER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!