davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DC)

I signed up for a new XXXX XXXX XXXX at the recommendation of the person in the bank branch. They told me about the great bonus rewards being offered if I spent at least {$7500.00} on the card in the first three months. Ive banked at Citi for many years and the branch is very familiar with me so I assumed they were telling me the truth. He told me the bonus more than offset the high annual fee. I signed up and spent the money on the card. When the bonus didnt show up in my account I called and was told I wasnt eligible because another card I had opened five years prior earned the same type of points, even though the card was discontinued and I dont have it anymore. So even though I paid the annual fee and spent the money on the card they wont give me the XXXX Citi points.
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (VA)

We purchased solar panels from a company called XXXX XXXX XXXX XXXX , we were promised several benefits from getting solar panels. The company went out of business within 4 months after we got the panels installed on our roof. The company called Sunlight Financial that the loan is through has not been any help what so ever and has not tried to get the solar panels covered with another company. I would like to see my loan desolved due to the panels not working anywhere as good as originally proposed by XXXX XXXX XXXX XXXX XXXX We now have the loan payment for the solar and a hefty electric bill. This is not what we were promised and this is not what we signed up for.
Consumer complaint received 2021-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (VT)

We use HarborOne for a mortgage, not because we signed the mortgage with them, but because they bought it from another mortgage lender. We paid our mortgage electronically on XX/XX/21 on their website, however the payment was posted to our bank account twice, once on XX/XX/21 and the same amount on XX/XX/21. We spoke with the mortgage company as soon as it was noticed and were told that we would get a call back in this regard, however no one called us back. On calling the company again, my husband was angry about not hearing back when he was told to expect the call, but the person we spoke to at that time had no empathy for us and gave my husband a hard time for his anger and then hung up on us. So much for customer service! We had been in contact with our bank as well, who informed us that there was nothing they could do on their end since the extra payment had already gone out. We did not authorize the second payment, and our statement has the second payment with the same amounts going toward interest, etc. If we had entered the extra payment, these numbers should have been different, since we had already paid toward interest. It is obvious to us that HarborOne was at fault for this issue, however even when we got through to a manager we were told in no uncertain terms that we had entered 2 payments, that it could not possibly be a mistake on their end. We were assured we would get the money back eventually, but that after both payments cleared their bank we would be sent a check. Meanwhile any other outstanding debits were going to bounce and incur fees. I understand that mistakes are made at times, however as we are certain that the mistake was on their end, it is very disappointing that the mortgage company continues to insist that the mistake was on our end, and that they will send us a check eventually.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NC)

I pulled my credit report in XX/XX/2021 and learned of several collection accounts on XXXX and XXXX from Online Information Services for past due collections that I did not know about. I sent them a certified letter on XX/XX/2021 to ask them to validate the debt. As of today I have not received a reply with this information. I have requested that all accounts be removed immediately and they have refused. Enclosed you will find a copy of the certified mail receipt and the last letter enclosed.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flat Branch Mortgage, Inc. (MO)

We have a mortgage with Flat Branch Home Loans ( underwritten by Fannie Mae ). We were close to 20 % equity and wanted to see about ending the PMI charges. We called Flat Branch and they said they would have to check with Fannie Mae. Weeks went by with no response so I called again and they said, you're still a bit over 80 % so you can pay $ XXXX to get over the threshold and then you can ask to end the PMI again. 
I sent {$2200.00} which was credited to the principal on XX/XX/17. 
I called again about ending the PMI charges and was told again that they would submit it to Fannie Mae. Weeks went by again. I finally got an email from Flat Branch on XX/XX/17 saying that NOW we need to be over 22 % equity and I have to send another $ XXXX and MAYBE they will stop charging PMI. 
We have excellent credit, have never had a late or missed payment on the mortgage or anything else. There is no reason to keep changing the target and asking for more money just to end the PMI charges, which exist to mitigate risk on low-equity loans. This is both deceptive and predatory.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have been trying for years to Get XXXX off my report but it keep reappearing if it was originally open in 2009. I have asks the three Credit Bureau several times to remove it. I have asked these Credit Bureau to not show XXXX XXXX and XXXX XXXX on my report because they are listed under my Bankruptcy and should not show on all the reports. All accounts may show but have a XXXX balance. This accounts are showing DELINQUENT and should not be.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AE)

Experian blocks any access to their site from outside the USA, which is understandable given that credit reporting is a USA thing. 

But, they make it a hurdle for people who are working overseas, such as myself working for the XXXX XXXX XXXXXXXX overseas, or people XXXX in a military status to monitor their credit or pull credit reports. 

No one should have to purchase an external VPN to have to access their credit report. XXXX nor XXXX have such a block. ( Attached Screenshot )
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AR)

Im a customer of BBVA bank I filed several disputes for the same merchant transactions on XX/XX/2021. I was issued provisional credits. I was then notified by mail on several different days that half my claims had been approved and the other had be denied. I remind you they were all unauthorized to the same merchant. What is most surprising is that in XX/XX/2021 there were about 10 transactions for XXXX. Dollars each. They were split up into separate claims because bbva will only let 40 transactions per claim. And one claim was approved for the transactions on XX/XX/2021 and the others for the same day were denied. This is the case for all the claims. They have now frozen my account took all my money from me and are telling me they did all these verifications to validate the charges. But how can that be if on the same day they determine there were valid and fraudulent charges made? They have left me with financial distress and will only give me the run around. I asked for copies of all there findings they said Ill get them in 15 business days. That violates federal banking laws Im supposed to be notified within 3 days of there investigations. Also they refused to let me appeal the decision on the claims telling me they would once again be denied.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank (NC)

I initially did not receive the credit card in the mail for several months. I was not able to make payment in the online system. When I tried to close the prepaid card, they told me I could not. Now, I have late payments on my credit report that I have requested be removed with no response from the company.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

My credit card limit has been {$2700.00} with Paypal Credit. In an effort to repair my credit by reducing my credit ratios, I made several large payments toward various credit card accounts including Paypal Credit on XX/XX/. I selected this account to make a large payment of {$1000.00} due to the higher interest rate but I could have selected a different credit account to make such a large payment towards. My regular payment with Paypal was around {$120.00}. On XX/XX/, I noticed that Paypal Credit reduced my credit limit from {$2700.00} to {$1900.00}, leaving an available credit of {$56.00}. I am aware that creditors can adjust credit limits for various reasons. However, I am concerned that this creditor conducted a review of my account due to the large payment that would have resulted in less interest accrued and paid to the creditor. I am also concerned that my credit will be negatively impacted by the reduced credit limit, even though I made a large payment towards the account in an effort to improve my credit. This is very frustrating and stressful, especially in this economy. 

I am concerned that this company has a pattern of reviewing accounts that appear to be less profitable to the company, due to lower balances. I called to inquire about the credit limit decrease. The first representative told me her system went down and stated she would transfer me to a new representative. No one answered after XXXX minutes. I called back. The second representative stated an account review was conducted on XX/XX/, which was one day after I made a payment towards the account and the same day the payment was effective on the account. The representative stated a letter would be sent to me soon.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Experian is reporting a XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.
Consumer complaint received 2019-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS DISPLAYING XXXX  XXXX ACCOUNT XXXX A NEGATIVE ACCOUNT.CAPITAL ONE HAS SENT A LETTER SAYING THEY DO NOT OWN THIS ACCOUNT ( ATTACHED ) EXPERIAN CALLS THE DISPUTE FRIVOLOUS, SAYS TAKE IT UP WITH THE SUBSCRIBER AND REFUSES TO ALLOW UPLOAD OF THE LETTER FROM XXXX  XXXX TO ME.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo has changed terms on my account multiple times without me requesting them to do so, and without notifying me. 

-they removed overdraft protection on my account without notifying me. 

-they did so because I complained that they had changed the time of day that my account settles, without notifying me. Usually my account closes at XXXX PST daily, this was changed at some point within the past few months to ( I believe ) XXXX EST. 

-I am used to having until 12 to deposit money if I would happen to overdraw the account. 

-This change caused me to overdraw multiple times without realizing it. 

-Oddly, the WElls Fargo app, did not reflect this change. And it still showed that my ending daily balance was positive. Even though this was the case, and I informed Wells Fargo of this, they refused to assist me. Instead they did not respond to my inquiry and removed over draft protection on my account without informing me or gaining my consent to do so. 

This has caused a material loss, and I believe that these practices were not only deceptive, but intended to abuse the power Wells Fargo has over consumers.
Consumer complaint received 2021-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Hello, I am needing your help because New Rez continues to save the banking info on the website. 

I specifically request for my banking information not to be saved and no matter what I do, my banking information is saved. 

I have mentioned this to New Rez in the past but as of this morning, XXXX XXXX XXXX is still showing up saved. 

Please keep in mind that XXXX XXXX XXXX is a joint account and the other person that I am on XXXX XXXX XXXX with also would like their information removed from the NEW REZ website, particularly since they have nothing to do with NEW REZ. 

I look forward to hearing from you. 
Thanks, XXXX
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

In a letter dated XX/XX/XXXX, I stated the following facts : On XX/XX/XXXX, I contacted your help line at XXXX and again at XXXX, to report that the designated recipient had not received the Transfer Amount into her dollar account. I was then advised by a gentleman with a first name of XXXX that before 'MoneyGram ' can conduct an investigation into the matter you will need a copy of the designated recipient 's bank statement for XX/XX/XXXX to verify my claim.
Imagine my surprise when I received your letter dated XX/XX/XXXX indicating that the investigation was complete and that an error or problem with your MoneyGram money transfer transaction occurred on XX/XX/XXXX The reason you provided sounded suspiciously like a verbal error given for an earlier MoneyGram transaction with reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which preceded the one in question here.
In the earlier transaction I was told that a technical issue occurred with your partner Bank in XXXX and that I should try resubmitting the transaction after I collect my refund at the same location of the original purchase. It is important to note that I was not advised of my rights or afforded the option of completing the transaction.
I did as I was instructed and created the second transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To say that I have been inconvenienced is a gross understatement. So, pursuant to the Remittance Transfer Rule of Regulation E, 31 C.F.R. 1005.31 ( b ) ( 4 ) and ( b ) ( 1 ) ( iv ), and 1005.33 ( a ) ( 1 ) ( v ), I hereby demand a written explanation of my rights, documents on which MoneyGram relied in making your determinations and complaint procedures for the Consumer Financial Protection Bureau ( CFPB ). See attached documents for details.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Went to chase.com to attempt to dispute a charge. There is no apparent mechanism to initiate a dispute on their website when logged into my account. Their written and video instructions at the following URL are apparently obsolete and no longer applicable. When I called Chase Bank to report the problem with the website and with the transaction itself, I was put on hold for 10 minutes and then disconnected. 

XXXX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Possible Financial Inc (UT)

A financial company by the name XXXX XXXX has added a negative report to my credit report without my knowing the loan exists. The loan is in the amount of {$500.00} and it continues to accrue interest. I can not reach any XXXX of the companys employees to help solve this issue. 
I need help to remove this from my credit report
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I have loans with Navient and they consistently deny me options for more affordable repayment. 
I can not afford what I currently pay them- each month is a struggle for me to get the money together. I need to pay my other bills, pay for gas, food & rent. I have repeatedly told navient this as well as written letters but they always deny me lower payments. 
I have been told my only option would be to put my loans into forbearance or be sent to a debt collection agency & then my credit would be ruined.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX