davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I changed my service from XXXX to another carrier on XXXX/XXXX/XXXX. XXXX XXXX XXXX was the provider for internet through XXXX. I cancelled my services and they sent me a box to ship their equipment back to XXXX which is what I did. Later, since I had overpaid, they sent me a check to refund my account in the amount of {$34.00}. On XXXX/XXXX/XXXX I received a bill stating that I owed {$160.00} from Diversified Consultants, Inc. ( a collection company ). I called them and they stated that I still owed to XXXX XXXX XXXX. I disputed that claim and they said I have to call XXXX XXXX XXXX to have it removed. I called XXXX XXXX XXXX and they said I did not send back a modem so I was being charged. I disputed this with them saying I sent everything back to XXXX, gave them a tracking number and did not owe this amount. I spoke with several people at XXXX XXXX XXXX and finally, at a later date, I received a call from a representative named " XXXX '' on XXXX/XXXX/XXXX and she stated that I would receive a revised bill with a XXXX balance in about XXXX business days and they will contact the collections agency to state I have a XXXX balance. I assumed everything was taken care of until I applied for a loan for a car and discovered the collection account charged against me. I called the collection agency again and they stated I need to call XXXX XXXX XXXX which I did on XXXX/XXXX/XXXX. I spoke with XXXX and she said my account had been closed so there were no notes. I told her they needed to call the collection agency and have it removed but she said since the account was closed there was nothing they could do. I then asked to speak with a supervisor and was sent to a voice mail for " XXXX ''. I never was contacted and despite my following attempts to reach him, I never received a call back. I am tired of dealing with this poor customer service and am requesting an intervention from your company.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

I had a charge account for {$300.00} and I only made one charge of {$150.00} and this company is committing fraud by putting it on my credit report for {$610.00}. Ive disputed this account before with credit bureaus and the company trying to rip me off and nothing has been done. Please get this removed and taken care of.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I opened a new credit card account with CITI bank and used it immediately. I received the first bill for {$4100.00} on XX/XX/XXXX and paid it that day with an withdrawal from my XXXX XXXX Account. XXXX verification from XXXX XXXX is attached ) I realized that while the funds went CITI I had made an error with the account number and those funds must have been credited elsewhere. 

When I realized my error, I called customer service and notified them of the problem and then sent a second check for {$4100.00} on XX/XX/XXXX still before the due date. I was asked to send verification from my bank that the first payment was sent and received and that CITI would credit my account. On XX/XX/XXXX I sent the attached letter via email and assumed that the issue had been resolved. 

I have spent HOURS with customer service offshore trying to resolve this issue. I was given email addresses, faxes and a USA address where I sent this information. I have complied in every case. While I acknowledge the error of the incorrect account number, I am unable to speak with any individual who can help me. CITI bank no longer has retail banks where I can work with a person. 

The bank website says that there is no dispute and they have reversed the credit. I now owe them {$5100.00}. I am unable to handle this through their customer service people as we cover the same territory again and again and again.
Consumer complaint received 2021-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority (MN)

I applied for XXXX  XXXX XXXX XXXX in XXXX of 2020 and my application has still not been accepted or denied. This is usually a few months process, and it has been over a year since first sending my application. When speaking with customer service they don't know why the application has not been accepted and they are unable to answer any questions I have about why it is taking so long. I am told my application has been resubmitted for a third time. The loan servicer does not return phone calls when promised and I am constantly following up to try to get answers, but they do not have any.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

CFPB Case No. : XXXX I previously filed a complaint on XX/XX/2020 disputing inaccurate information on my credit report. To date, I have not received a response to this complaint from the company. Santander stated they were unable to locate account and requested VIN number. I provided the VIN number ( XXXX ) and the company has failed to respond.
Consumer complaint received 2022-04-26
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. (PA)

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. 

The XXXX Accounts number, XXXX XXXX XXXX, XXXX {$820.00}, XXXX XXXX XXXX {$460.00}, 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 consent.
Consumer complaint received 2022-04-26
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (PA)

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. 

The XXXX Accounts number, XXXX XXXX XXXX, XXXX {$820.00}, XXXX XXXX XXXX {$460.00}, 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 consent.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NC)

They are reporting an account that I am unfamiliar with. I have written in and requested information, they say my request are duplicated but still have answered the original request for information. This is not my account, and I am not sure why they are reporting it.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

XXXX XXXX XXXX Citibank I have reached out to these companies, my credit report says I have open delinquent accounts with them. They are saying they have no record of any open accounts under my name.
Consumer complaint received 2017-12-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

I had a XXXX XXXX back in XXXX XXXX, was out of work for almost a year. Finally caught the mortgage up in XXXX, but have gotten behind. Company doesnot communicate, returns funds, applied funds to other accounts. Just read a XXXX review of loancare. This is not an isolated company. They say no mortgage paid since XXXX XXXX. Have an appointment with bankrupcy attorney as last attempt to save our home.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (IA)

Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (FL)

I recived a promotion offer from Citibank to open an account and fund it with a certin amount of funds and recive a cash bonus after 60 days i read the entire fine print and only was able to discern a 60 day requirement to recive the bounous, so i called and setup the account with a representative who also told me it was only 60 days no more and i specifically asked can i get the funds after 60 days and can i remove the funds without penalty i was told emphatically yes, i knew to ask this because i have completed one of these before with XXXX XXXX XXXX  and they specifically said you have to leave the money there for 90 days. So after completing the 60 days i called citibank and now they are saying the offer says after you complete the 60 days you then have to complete 90 days from that point, which was never agreed upon when i setup the account, and it seems very deceptive why would they not just say you must complete 150 days in order to recive your funds, and why would the first advertised time frame be the shorter one of 60 days and then the second part of their " offer '' be 90 days so its double the advertised time plus 30 days this is extremely deceptive.
Consumer complaint received 2018-07-26
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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (NY)

Ford Motor Credit for a second time now has failed to update my mailing address and provide me with paper bills for a car loan taken out several years ago. 

My account number is XXXX. 

As a result of their inability to update my mailing address after having made requests by phone on XXXX separate occasions I was not notified of a missed payment associated with my auto loan and was unable to rectify and make the payment due to having never received any type of bill or late notice. Ford Credit has not reported two, 30-Day late notices to my credit report which are extremely damaging in both my personal and business. I have contacted them requesting good will and again requeste that my address be updated but did not have any success as it relates to their reporting of late payments. 

Furthermore, on a statement dated XX/XX/2018 it reads : returned payment received. Indicating that my XX/XX/XXXX payment was processed. Since than I have received no other notices. On XX/XX/2018 my payment due XX/XX/2018 was marked 30 days past due and was immediately reported to the Credit Reporting Agencies. 

Ford Credit has been unreasonable in their dealings and has taken no responsibility for their failure to issue me a paper bill or written notices which I am entitled to as an account holder. They have been extremely timely in their reporting of missed payment to the Credit Reporting Agencies but to date have not provided me with one bill or piece of mail!
Consumer complaint received 2021-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

It is impossible to upload documents on Experian Disputes. I am not the only one with this problem. XXXX it. Experian has a cutesy and complicated website and push sales the first thing when you go on. I have tried calling multiple times but that is a waste of time also. So I mail. Then I receive an email back to me with a middle name of the person that stole my identity??????????!!!!!!!!! I have been disputing identity theft for 5 years. I have sent a XX/XX/XXXX sheriffs report multiple times that reflects the thief. Have sent an undated XXXX sheriffs report reflecting specific information for accounts XXXX XXXX, XXXX, and XXXX XXXX Auto Finance. I have sent warrants issued for the thief, arrests, and even convictions of this thief that even lists one of my cards that was stolen. In addition, Experian gave my credit report to XXXX XXXX XXXX XXXX without permissible permission. Experian doesnt even require proof from XXXX XXXX XXXX XXXX that they used to pull my credit. Experian needs to quit selling until they at least can do a better job of their base job for a Credit Reporting Agency.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (PA)

I took a picture of a check an they said it would not go though because picture was not clear so I then went to a nere by bank an cashed my check then because they messed up it went through after already cashing check at the bank so I got paid twice but thats not my fault there computer messed up
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

Dates : XXXX, XX/XX/XXXX. XX/XX/XXXX, and other dates in XX/XX/XXXX Company : Freedom Mortgage Amounts : $ XXXX refinance for existing home mortgage Actions : 1. When I applied for the loan earlier this year, I specified that I was going to bring the money to closing. DO NOT roll the amount into the mortgage.

2. I was supposed to close in early XXXX. However, whenever the officer contacted me, I kept being told that I didn't have to bring anything to closing. 
3. I kept talking to them about me bringing the money to closing. They kept telling me that it's being handled by escalation officer. It would be corrected.

4. We kept pushing out the closing date due to the same issue. On XX/XX/XXXX, I couldn't believe that they were still telling me that I didn't need to bring any cash for closing. I was very upset and threatened to end this process. They promised that it would be corrected by the end of Friday ( XX/XX/XXXX ). 
5. On XX/XX/XXXX I contacted them again, I couldn't believe that they still told me I didn't need to bring any money to table. I simply told them that if it wasn't corrected by XXXX which was the scheduled closing date, I would go with another company. They promised they would correct it. Later that day, I even got a call and they told me the amount I was supposed to bring to the table and who the check should be made to. The officer and I went over the document ( in attachment ) and she told me the amount {$2600.00} was the amount I would bring to the table, despite I doubted that it said " cash to close was still 0 ''.

6. On XXXX as the notary lady sitting here in my livingroom, I couldn't believe that she was telling me that I didn't have to pay anything when I was ready to hand her the certified check. I was furious. I immediately called the company and all they did was to transfer me from one person to another. Eventually, I just called off the whole thing. 

I strongly think that this company is using unethical tactics to try to roll the closing costs into the mortgage despite I've corrected them 10 times. It doesn't matter who I talked to, I couldn't get them to correct it. It looks that this is the only option with this company. This is ridiculous!! They certainly need to be investigated. I will be mortgage shopping again.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I was tricked into Wells Fargo 's mortgage program. My mortgage officer over-promised on discounts but can't keep her promises. Most importantly she didn't lock in my rate intentionally. She had more 14 days to lock in my rate after receiving the executed contract but she didn't do it. Now my interest rate has gone up from 2.875 % to 3.125 % and that I have to pay more on my mortgage. If I want to have my interest rate at 2.875 %, I have to come up with more money to buy more points. My closing date is approaching on XX/XX/XXXX and I don't have time to find a new lender as my apartment lease is also about to end. I don't know what to do?
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IL)

I have been using my Discover card for the last 19 years and have a continuously high interest rate of 29.99 %. I consistently pay my bills, at times I have had the card completely paid off and at random times Discover will issue me a higher credit limit amount without me asking or wanting. On XX/XX/2020 I called and asked for a lower interest rate. During my call, I was bounced around to several " departments '' I was finally able to speak with someone in the Card Member Assistance department. The gentleman agreed that my rate was too high and issued me an interest credit refund of {$1100.00}. He then told me that my interest rate would be lowerd to a percentage over the prime rate. I tried calling Discover back in XXXX because the rate wasn't lowered and didn't get anywhere.The girl on the phone was not helpfu so I hung up. I just tried calling again today, XX/XX/2020 and was told the ONLY way to reduce my interest rate is to suspend my card for 6 months and then it will be up to Discover if they want to " re-instate me '' at the going rate at that future time. To me this is slap in the face. I have been an outstanding long term consumer who uses my Discover Card for the ease of it being accepted everywhere. In order to be " considered '' for a lower rate I have to suspend my card?! Why? Discover is refusing to give me a lower rate even though my credit history with them has been near excellent in the 19 years I've had my card. Also, Discover has just issued me another credit increase. My new credit limit is {$22000.00}. Of which I am using {$6700.00}. I did not ask for this increase and now I am showing too much available credit on my credit report and I can not cancel my card due to it being the longest credit link I have on my credit history. If I cancel my credit card with them it will adversely impact my credit rating. I am at a loss at what I can do and Discover Card is not being helpful!
Consumer complaint received 2024-09-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (FL)

Subject : Complaint Regarding XXXX XXXX Handling of a Dispute for Non-Delivered Item Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX concerning a dispute I filed for an item I never received. The item in question " XXXX '' was scheduled for delivery to my home on XXXX XXXX. However, I did not receive the package. After realizing the item had not been delivered, I contacted the company multiple times via email to resolve the issue, but I received no response. 

As a result, I submitted a formal dispute with XXXXXXXX XXXX, explaining the situation. To my dismay, two weeks later, XXXX denied my dispute, citing the tracking information, which indicated that the package had been delivered. When I called XXXX to discuss the matter further, I was informed that even if the item had been stolen from my property, they are not responsible for items that go missing after being marked as delivered. 

I find this response unacceptable. I should not be held responsible for an item I never received, whether due to theft or any other reason beyond my control. XXXX refusal to assist, despite my efforts to address the issue with the seller and provide all necessary details, leaves me without any resolution or compensation. 

I kindly request that the XXXX XXXX XXXX  assist me in addressing this issue and helping me hold XXXX accountable for not protecting their customer from a loss. I am seeking a fair resolution where I am not held responsible for a product I never received. 

Thank you for your assistance in this matter.