davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I purchased tickets to a live showing of XXXX on XX/XX/XXXX from XXXX XXXX XXXX website. The purchase amount was {$1600.00}. 

As the COVID pandemnic began to spread, shows were being canceled. My showing on XX/XX/XXXX, was the 2nd day of shows and was canceled in the first wave in XXXX XXXX XXXX. I received an email from the merchant on XX/XX/XXXX notifying me of the cancellation and stating I would receive a refund in 2-4 weeks. After 5 weeks went by with no refund, I contacted the merchant who offered no specific, measurable comments on when I would receive my refund, only that it was still in the works and to please be patient. The merchant ( 2 separate individuals on the call ) repeatedly asked me to not file a dispute with my credit card company. With such lacking promise, I filed a dispute with Citi for the purchase. The dispute was working it's way through the process. 

On XX/XX/XXXX, I received an email from the merchant stating that they have adopted a " new policy '' and instead of a refund, would now credit me with 120 % of the purchase price. I emailed the merchant and explained this was not acceptable, they could not change the terms and conditions after the sale and that I still expected a refund. I attempted to call, but they were at this time not accepting phone calls. 

Citi denied my dispute, and I appealed that denial by providing evidence of the documents received from the merchant offering a refund, then rescinding and stating a new policy and their offer for remedy. Citi again denied. I spoke with the Executive Office team member again to explain in detail how the merchant can not institute a new policy more than 6 months after the purchase date and finally was told they will take that into consideration and review again. Once again, Citi denied my dispute with generic language that did not address the failure to provide the promised refund, nor the new policy they attempted to institute. This came in the form of a letter attached to an email. At this point, my calls are no longer being returned by Citi and the merchant will also not speak with me due to my dispute. I have neither accepted or used the credit from the merchant, nor received my refund.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

We recently refinanced our Santander mortgage with a new Santander mortgage. The process began in XXXX was long and drawn out and the communication was less than stellar. However, our complaints center around two items. First the Closing Disclosure document is due to the borrower at least 3 days before closing. I was sent this document by email 53 minutes before closing on XX/XX/XXXX. My husband - who is a co-borrower - was not provided with the document at all prior to closing. 

This led to other issues. I had asked for the principal amount of the loan to be reduced to only cover the amount needed to close out the old loan and cover closing costs. Due to the 4-month delay, this would have decreased our principal by several thousand dollars as the original mortgage was for $ XXXX and the new mortgage is almost $ XXXX. This was not done as requested and, given we only learned this at closing, we either had to postpone closing ( which had already been delayed by months ) or accept the error. 

The second issue is that we were not told not to pay our XXXX mortgage payment for the old loan. Upon review of the Closing Disclosure at Closing, we asked about when to stop paying our current Santander mortgage. We were told that we should have already stopped as they assumed no payment in XXXX when calculating the final payoff amount for that loan. Given closing was on the XXXX of the month and our auto payment goes out that day, I was unable to stop it. So, I paid {$5400.00} to XXXX in early XXXX with no information on how or when I would get that money back. I followed up for the second time with XXXX yesterday ( XX/XX/26 ) and was told that they 'believe ' the money will come back in the form of a check likely in another 4-6 weeks.

I believe this is unfair and deceptive on the part of Santander as they should have told us not to pay the XXXX payment before XX/XX/XXXX. If we hadn't asked, I'm not sure we would have been informed of this at all. Now, Santander will have possession of the almost {$5500.00} for about 2 months - money that is mine and should be earning interest.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NC)

I applied for a WELLSFARGO credit card thinking it was a Business Credit card on or about XX/XX/XXXX ; at that time I was not approved for the WELLSFARGO Credit card. However, I received a credit card in the mail from WELLFARGO on or about XX/XX/XXXX ; with a total credit limit of {$12000.00} and a Cash advance limit of {$2500.00}. I contact WELLSFARGO and spoke to a representative who I informed I was not approved for the credit card but received a card through the mail. I informed the WELLSFARGO representative to close the account ; the account was Officially CLOSED ; XX/XX/XXXX. As of XXXX, XXXX and XXXX of XXXX, Wellsfargo has continuously " reported '' to the Credit Reporting Agencies XXXX, XXXX and XXXX that the balance on the account has increased by imposing a {$40.00} LATE FEE on a CLOSED account that has caused my credit score to decreased on a monthly basis. The account is now reporting CLOSED with a - XXXX - balance as of XX/XX/XXXX.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Thomas Agency, Inc. (NH)

I was seen at XXXX hospital for a emergency. My insurance company covered the visit 100 %. I received a bill for XXXX. I called them gave them my insurance again. Then heard nothing again for awhile then bills started coming again. I kept calling in my insurance information. Finally they sent it to collections without giving me the right to dispute the charges.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION (NM)

So On XX/XX/2020 I decided to open a checking account with BBVA. I only wanted to open a checking account and be able to do online banking. Well, after the open account process was done. I tried to set up my online banking and it kept saying that there was an error with my password and my username. Once I submitted all my information it would say that my account needed to be submitted first by XXXX or something like that. After so many times trying with no luck. I decided to leave it alone for the day and call the next day in the morning. 
Since XXXX I have been on the phone with BBVA, first I spoke with XXXX, I explained my problem logging into online banking he wanted my social security number I told him I did not feel comfortable sharing that information, then he asked me more questions to verify my identity. 
After a while he was able to help me set up my online banking, and that is when I realized that I not only have a checking account but I also have a credit card with a balance already of {$2600.00} I was very shocked to see this and I asked XXXX he said it was probable something easy to fix he put me on hold for a while, after 45 minutes he said he needed to transfer me to another department. I spoke with XXXX which could not do anything about other that having me on line for more than 15 minutes when he said he needed to transfer my call to another department. Then XXXX was asking me questions and after a few minutes he said that unfortunately he couldn't do anything about it due to that account was already closed and sent out to Collection Agency and he was going to transfer me to them. 
I asked to speak with someone else in order to give me more information about this issue. 
I have never had a credit card with this bank, ever. 
How could I have a credit card with all this balance and no one could give me more information about it. 
He put me on hold for about 10 minutes and then he transfered me to another person. 
Shurle I think that was her name and she said that there is nothing they can do that I need to call the fraud number. 
She gave me a number that is not taking calls at the time.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

This letter is to inform you that I recently received a copy of my credit reports from XXXX   and Equifax and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my Equifax file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

At the time of the recent XXXX data leak I tried to access my Experian account to freeze my credit file. There was an Experian internal system error that stopped me from accessing my account. The Experian system I then found out assumes that they have every consumer problem covered through automation, which is a very foolish and a naive assumption equivalent to the assumption that their system contains no errors. I tried every avenue of password reset, etc and was not able to resolve the issue. The system invites you to call a support phone number in case you could not resolve the issues online. That support number does not give the caller an opportunity to discuss the issue with a person. Instead you get the same automated advice as the online system. It is impossible to reach a person for help. I then started writing physical letters asking for help. The first went to an XXXX regional office. No answer. The second letter I sent to the President of the company. No answer. In the meantime I am notified by XXXX that my personal information was hacked, and I had no way to freeze my credit file. I received emails from Experian giving me the same advice which I received in the beginning and which always led to the same state of not being able to do anything to freeze my file. 
This is a case of Experian significantly raising the risks to me and my personal private information. It is totally irresponsible and personally damaging behavior on the part of a company that should be trustworthy.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nations Recovery Center (GA)

I have been for several months, since XX/XX/2017 been attempting to resolve a debt. When I started receiving phone calls I finally called original company regarding the debt who instructed to me contact XXXX XXXX XXXX XXXX First they refused to send me another notice of Debt stating they are only required by law to send me one. I advised them they sent it to the wrong address and all correspondence goes to XXXX XXXX XXXX I got tired of dealing with their customer service snarkyness, after several attempts I was finally able to reach a manager. He then sent me out the notice to my POBOX however there is nothing on the Notice of Debt to explain how to make a payment. Once again about the XX/XX/XXXX time ( which I have cell phone bills to prove it ), I called them back and stated I needed a statement, something in writing to explain how to pay the debt. The rude customer service person stated her company is not required to send out a notification explaining how to pay the debt, they only had to inform me there was one. She invited me to pay over the phone - advised not an option, told me to pay online - I informed her I needed to mail it with a money order and she still refused to send a statement with an  explanation how to pay. This company fails to understand people have rights and there is a formal process in to collecting a debt. They are the most unprofessional and rudest individuals I have ever met in my entire life. I can provide notice of debt and you can see there is no information how to pay the debt.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (KY)

I have the following 3 medical bills on my XXXX bureau only and after contacting XXXX via phone and email I have not received any information. 
GLA Collections has listed : XX/XX/XXXX {$210.00} medical bill XX/XX/XXXX {$140.00} medical bill XX/XX/XXXX {$130.00} medical bill I have faxed a copy of the police report showing fraudulent charges to both XXXX and GLA collections and have never received a letter in the mail, email or a phone call. 
I have Never lived in or near XXXX, KY and have never seen a Doctor for anything medical in XXXX, KY ever.
Consumer complaint received 2021-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit amount of {$250.00}, opened on XX/XX/XXXX being reported by XXXX XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.
Consumer complaint received 2018-06-17
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. (GA)

Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA DBA XXXX XXXX XXXX {$1100.00} {$1400.00}
Consumer complaint received 2018-06-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NH)

On XX/XX/2017, I was contacted by Navient, and I wrote them a letter stating I needed a deferral due to a problem trying to resolve this and other debt. 
I also included in this letter that per the FDCPA that the phone number they were calling is a DO NOT CALL NUMBER. However, I have been getting phone calls at least twice a day. 


I want the calls to stop. I will communicate with them in writing.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I wrote to XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX at XXXX and it was signed for by XXXX. 

I received a letter from XXXX XXXX dated XX/XX/XXXX in which they stated they will not process my dispute per the Fair Credit Billing Act. XXXX XXXX said in the XX/XX/XXXX letter they can't process defective XXXX XXXX catalog orders. However, the Fair Credit Billing Act clearly states XXXX XXXX should process this dispute without fees and interest. 

When contacting XXXX XXXX they state any problems with the XXXX XXXX Credit card statement must be directed to XXXX XXXX, which I did on five separate occasions.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MD)

During later XXXX of XXXX, I viewed my credit report to see what I could do to improve my score. I saw an account in collections for National Credit Systems and searched for contact information, as I was unaware of this account being in collections. National Credit Systems state that the account is from XXXX, but have made no efforts in contacting me ( phone call, email, mail, etc. ) to inform me of the debt. When I spoke to the company in XXXX, they refused to send me any debt verification as well as offer as form of options for dispute/mitigation. I called the company again today XX/XX/XXXX and received the same answer : they do not provide any documentation regarding the debt. The company informed me that they offered me a settlement of the debt, but they have not contacted me about it. I had no idea an account was reported and that there has been a settlement offer. They've had my phone number and address on file yet I have been denied verification of the debt.