davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my " FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Bank of America because they were not responsible Bank of America directed me to XXXX and said they were not responsible
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX / XXXX / {$7100.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-03-01
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: Bread Financial Holdings, Inc. (TX)

I opened a credit card and can not remember if it was with XXXX XXXXXXXX or Victoria secret however I opened it when my son was born and he will be XXXX years of age next month. I do not have dates and too much time has gone by however this credit card continues to appear on my credit every time under a different creditor. Right now it is with comenity bank for {$640.00} and it is on my credit report as an open account/balance which is false. Ive disputed multiple times and comes back unresolved.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (OH)

Several attempts has been made to contact Synergetic Communications without success. Called during business hours on several occasions and reached a voicemail each time. Wrote a letter to Synergetic Communication explaining that this is not my debt of XXXX. This information that this collection company is not accurate and they have the wrong person.
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (VA)

I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (SC)

I have contacted this company about alleged debt in the amount of {$900.00} this company is reporting on my credit profile on  XXXX / XXXX / 2017 . I have received no correspondence or phone calls prior to this being reported on my credit profile. I have no contract with this company and owe no debt to this company or any affliations. This false information this company is reporting is ruining my credit worithness and I am trying to solve this issue before I am forced to exercise my rights under FCRA if this issue is not resolved and removed off my credit profile.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

I called ProCollect on XXXX XXXX XXXX XXXX I believe all their calls are recorded. As I was speaking to the lady trying to negotiate a payment plan or settling she yelled at me informing me that their company doesnt settle. She wasnt even letting me speak half the time. I told her I couldnt pay the full amount of my debt but I could pay 50 % on XX/XX/XXXX. She told me again no payment plans, so I told her that the collection is just going to sit their longer because I cant pay the full amount and she said well that is going to keep damaging your credit because we wont settle.
Consumer complaint received 2015-10-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (PA)

I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Co. reported XX/XX/XXXX payment as late and charged late fee ( later refunded on XX/XX/XXXX ) after my bank and I disputed ) ; for the XX/XX/XXXX payment, co. charged late fee on XXXX ( refunded on XX/XX/XXXX after my bank and I disputed ) and interest on XX/XX/XXXX ( co. never refunded ) ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. charged late fee on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. charged late fee on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. failed to credit the XXXX XXXX payment which was paid early on XX/XX/XXXX and then charged a late fee on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. charged late fee on XXXX and interest on XX/XX/XXXX ; on the XX/XX/XXXX statement, co charged late fee on XXXX and interest on XX/XX/XXXX. All fees and interest are false and fraudulent. This account is actually paid a month ahead. In addition to false and fraudulent late fees and interest, the company continues to harass me with emails, texts and phone calls.
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Account Recovery Specialists, Inc. (CO)

XXXX Hospital and many other hospitals in Kansas and probably elsewhere are ignoring the Obamacare Rules supposed to be enforced by IRS and in 501 ( r ) of the regulations. Only one provision of that section has any fine imposed. Many hospitals are ignoring the rest of the rules, and their cpa firms seem to be encouraging that practice. The debt in my case was sold to XXXX XXXX 's law firm in XXXX Kansas. This is all explained in a court motion I made in the collections case, and the Treasury article attached hereto. Also the law firm attempted to pad the judgment by approximately {$200.00}. The said I owed interest and etc amounting to over {$1000.00} and needed to pay that amount to avoid going to a hearing in aid of execution.. Later they could not substantiate that amount and were probably hoping I would n't notice. The could only account for less than {$900.00}. This also is explained in detail in the attached court motion.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XX/XX/XXXX, I tried to close my account by paying off the balance. I tried to do it on line and they had two of my checking accounts listed, but with the last 4 numbers. My credit union always has the XXXX at the end of the accounts. I then tried to enter the correct one that I was paying from and it didn't work. So I called Capital One and talked to customer service and explained what I was trying to do. I inquired about what the payoff total would be with interest. My statement showed that it was {$14000.00} but the lady I talked to said that it would be about {$14000.00}. but then she lower it to {$14000.00}. I then asked her to process the payment on XXXX and asked her to repeat the number. She was getting very rude and then she finally said that it would take 24 hours to do. Also, was upset that I had closed my account via the internet without talking to her. I also had cash rewards of {$1.00} and I asked if it could be applied to the balance, she said no. I told her to keep the {$1.00} and process the payment. 
On XX/XX/XXXX, the payment still wasn't process through my Credit Union. I checked my accounts several times a day on the XXXX, XXXX and XXXX. I went to my credit union and asked about it and was told that it hasn't been submitted yet. 
On XX/XX/XXXX, I checked with the credit union and Capital one had submitted it to my other checking account that didn't has sufficient funds and was rejected. When I got home from work, I called Capital One and talked to the customer service department and the gentleman was very hard to understand and told me that I gave them the wrong account number to process it. He said that he could only link my accounts since I had closed my account with them. He also stated that I had a credit balance and that it would take 60 to 90 days for me to get it. I then asked to speak to his supervisor and after about 20 minutes, he came on line and informed me that it was my fault that I gave them the wrong number and ended our call. 
On XX/XX/XXXX, I pulled up my Capital One Statement online only to find out that I now have a late charge of {$29.00} added to my bill, but that they also added an additional interest charge of {$300.00} to it. The credit is gone from my account now.

Should I go to my credit union and have them wire the payment? Then I will be out of pocket the extra money to do it. If they would have entered the correct account number in the first place I would be free of them. 
Another thing, every time that I paid my payment I increased it by {$200.00}. and it never decreased the principal, just the opposite. Please help me.
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: EOS Holdings, Inc. (CA)

Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I received an email from Chime member services reading : " Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed '' Multiple attempts to obtain my remaining funds and closing balance of {$16000.00}, were made not only by calling hoping to speak with someone, but also by sending a number of emails. From the initial date of my account being closed to the date of XXXX XXXXXXXX XXXXXX/XX/XXXX, attempts were made via phone and email in regard to this issue and resolving it. 

The last day of communication had with Chime was on XXXX XXXXXX/XX/XXXX, XXXX via email informing me they were unable to review my account for a refund or re-enablement. 


On XXXX XXXXXX/XX/XXXX, XXXX I sent another email reading : " Im reaching out yet once again in order to see what steps need to be taken and/or completed in order to retain my remaining funds that I had available in my account prior to it being closed. '' To this very day, there has been no reply, response, or any communication made on their part since XXXX XXXXXX/XX/XXXX, XXXX.
Consumer complaint received 2022-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (FL)

I reached out to Sallie Mae via mail. They received my certified letter in the mail on XX/XX/2022. Sallie Mae did not answer anything pertaining to my letter. I wrote them and asked them how they are saying that I owe them alleged debt without proving to me that this debt belongs to me.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS (CA)

The Company negotiated a plan with me after being fully informed that I am totally and permanently XXXX in which I and the sales person discussed the possibility that I would not be able to generate sufficient revenue at times to service any debt that arose. Since then I have had great difficulty in generating sufficient revenue and have asked to discuss this issue a number of times. At no time have my requests been actually acknowledged nor have I been contacted by any individual to discuss the matter. Today I learned that the company has been pyramiding late fees by assessing late fees on prior late fees by charging, per their email, 2.17 % on the balance after adding in prior month instalments and subsequent late fees. I have an email message from them flatly stating as much.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the 2nd complaint to CFPB regarding TransUnion & this SAME PROBLEM. Original complaint reference # XXXX. Note they correctly resolved the problem but now they deleted one of the accounts again. 

They are not reporting ALL my revolving accounts & it's payment history. 

ISSUE : They are not reporting my XXXX XXXX XXXX ( XXXX # XXXX XXXX XXXX XXXX ). 

Just weeks ago they CORRECTLY re-instated my correct active revolving accounts and they even provided this confirmation to CFPB on my original complaint. And now they've deleted the Mastercard. 

Stop deleting my correct active & open accounts. Your not doing your job right because XXXX XXXX is providing you the correct data and the failure is on TransUnion 's. 

Attached are : 1. Screenshot # 1 - of my TransUnion reporting through XXXX showing ( correct ) active accounts a couple months ago. 
2. Screenshot # 2 - Confirmation of the resolution for my prior CFPB complaint when they added ( correctly ) 2 accounts back on my profile -- one of which they just AGAIN deleted, Mastercard.

3. Screenshot # 3 & # 4 - of my XXXX - showing that my Mastercard was DELETED by TransUnion
Consumer complaint received 2016-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation (OH)

Sent a dated letter to this company which including information needed to verify debt ( name, account #, amount ) and the company claimed I sent a " frivolous '' undated letter without specific enough information!! They also have the incorrect account number written on the response letter they sent back to me.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (GA)

I took a loan from word Finance. I made several payment and could not continue paying it off. They filed a law suit against me to garnish my pay check. They have my address, they sent the paper at my work address. They served me while I am at work and it is against the company policy I have been placed on probation at work. I called the head office of Word Finance to talk to them. Spoke to XXXX she said will send me a paper to come with a payment and never send the paper and since I did not receive it I went to court. That is when I saw a lady saying I am here to file a garnishment to have their money back. She did not have any clue about the conversation I had with home office and no communication at all between their representative. The judge heard both of us and she could not answer any question. The judge told her to really be careful before they served someone paperwork. They judge did not like the idea they served me while I was at work. He told me I am leaving in XXXX county they will transfer my case to XXXX county. They charge the debt off my credit report as a bad debt and they want to garnish my check.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I Made A Check Deposit, The Check Was Signed Over To Me Which Makes Me The Owner Of The Check And M & T Bank Put My Check And My Checking Account On Hold. They Denied Me Access To My Account And Im Being Treated Like A Criminal Because I Believe Theyre Accusing Me Of Fraud Which I Am Not Doing.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (UT)

Contacted XXXX XXXX in XXXX over a {$2.00} interest fee that was interest on top of interest as the bill was paid in full in XXXX. There was left over interest from this bill which was paid in XXXX. The representative that I talked to in XXXX confirmed that this was an interest on top of interest and that he would remove the charge. Low and behold I receive another statement from vacation club with a {$6.00} balance. I called them again today XX/XX/XXXX to correct this. I was informed by XXXX that a late charge that should never of occurred could not be removed since the account was closed. I was forced to pay the late fee and I over paid because I did not want yet another interest charge from this company for an unpaid balance of {$2.00} from this late fee. This company has broken many laws here and I am positive that they do this to many consumers.
Consumer complaint received 2023-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I called Mr cooper about trying to get out of covid-19 Forbearance It's been ready hard to make my monthly payments so after so long I was happy to be able to get back on track. After talking to customer service on a recorded line I was assured that the payments will not pass my monthly payment of XXXX and that all the money owned can be added to the back of my home loan and that there would be a Monthly trial period for the first 3 months that I would need to make on-time payments, I asked if it couldn't exceed my original monthly payment she assured me that they will not it would be low to help me get out of trial period. so I was approved for the trial by underwriting but it came back as XXXX cents which I can't make a one-time payment on, I asked if I can make two payments seeing that I get paid two times a month and they told me no and I can't make a one-time payment of XXXX cents so I can't get out of forbearance. I called them and explain the problem and was told that a manager will call me.
Consumer complaint received 2020-06-01
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: BARCLAYS BANK DELAWARE (MD)

XX/XX/2020 XX/XX/2020 I tried to call Barclays Credit Card department but their phone system is busy and unable to reach a representative quickly. Waiting time was long over 1 hour then I decided to send a message to them at my credit card account online. My major request was addressed to replace a new credit card after fraud charges by XXXX XXXX incidents. I contacted XXXX XXXX and they resolved this issue and credited all back to my credit card account. Barclays ignored my messages XX/XX/2020 and XX/XX/2020 and refused to process my request for a replacement new credit card with new digits. They failed to protect me as a consumer and card holder. 

Since 2 months past and there is a lack of attention and a full ignorance by Barclays Credit Card Department with my request for a new credit card after fraud incidents with XXXX XXXX. 

I attached 2 files as evidence about Barclays ' negligence and bad customer service.