davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MI)

I had a Barclays XXXX  Credit Card ending in ... ... I used this card to get credit for my maintenance fees with XXXX XXXX. This is the only credit card that will work with XXXX. I always paid my balance in full each month. I never had a problem with my payments. I made one payment on my card with a check that I was told was ok. The account had sufficient funds but did not allow my payment to be credited to Barclays. Barclay abruptly closed my card, demanded payment in full from another account of mine, including extra charges, all of which were timely paid. Barclays kept denying me use of my card or any other Barclay or XXXX credit card. Barclays will not even talk with me about it. I'm given the run around but no answers each time I call. This unlawful action has caused me credit problems over the last 25 months.. Again I always paid timely and never had a previous problem. XXXX, because of their agreement with Barclays, will not allow me to get my annual credits for my maintenance fees. It is costing me over {$1000.00} a year extra because of Barclays unwarranted action. This unlawful event took place in XXXX and XXXX of XX/XX/XXXX. The amount of money was {$7000.00} which I paid in full. My loss with XXXX has been over {$3000.00}.
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

I have had issues with the servicer My Fed Loan Servicing not communicating in a clear or consistent fashion. Two IDR recertification processes in a row now they have either not sent reminders, or failed to send follow up communication that they themselves committed to send. 
The first time this happened this caused me to be kicked off the IDR plan and charged a monthly bill that I could not pay, and I was told by the servicer that I would have to either pay it or not pay it, and that if I did not that interest would be capitalized. I had to take the latter option due to being unable to pay that amount, and it took 3-4 months for the servicer to get me onto a IDR at that point. 

This year, the servicer sent a communication on XX/XX/19 that in the first two paragraphs was very clear : get ready to recertify in a couple of months, AND look for another letter from us for instructions about how to do so. That letter with instructions never came, and only because I recently had a income change did I log in to look and see if I needed to report the change, and by chance found on the account that the deadline for recertification was XX/XX/19. 
When I called the servicer, they pointed out that the initial letter from XX/XX/19 did indeed have that XX/XX/19 deadline in the body of the letter, though it was absolutely buried amongst MUCH less important information, towards the middle of the letter. He did not explain or take any responsibility for why the follow up with instructions never arrived. 

Regardless, the first part of the letter is clear ; WAIT for our letter with instructions, a letter that never came. If I had waited, I would have again been in the same predicament as last time, having interest capitalized, for a simple issue that is easily resolvable without significant cost on either party 's part, not to mention completely avoidable if communication is clear, not obfuscated and actually sent. 

To be clear, the servicer did NOT take any responsibility for any of these issues at any time.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, XXXX, and transunion ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to  update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX   data breach as well. THIS IS RIDICULOUS!!!
Consumer complaint received 2017-12-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NC)

Because I continue to get repeated calls ( usually starting around XXXX & repeated every 2 hours ) up to 5 times a day, EVERYDAY, from Chase Auto Finance stating that I am 2 months past due, I have blocked several of their numbers & kept notices in my phone as evidence of the many, many harassing calls. 
After speaking with several representatives over several months in an attempt to correct the billing dispute informing them that I have my records ( money order receipts/bank statements & their own contradicting statements ) verifying my account to be current, the calls continue. I have a copy of my payment history from them showing where I 've made as much as 2 or 3 payments in one month to rectify this. NOTHING. 
Another issue is that I am also receiving ( conflicting ) statements from Chase & XXXX XXXX XXXX ( who I originally sent payments to ) & problems did n't start until Chase apparently took over. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on my statement. 
I 've also received letters from Chase threatening REPOSSESION due to Contract Default.??? ( REALLY ) The agents said it 's computer generated but I told them that humans control the input & do n't understand why it 's taken so long to update my account & get this corrected. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on mm statement. 

DATES & TIMES OF CALLS : XXXX XXXX, XXXX First started XXXX XXXX, XXXX.. 
XXXX XXXX, I CALLED BOTH COMPANIES attempting to get bill corrections. 

CALLS STARTED AGAIN & CONTINUES : XXXX XXXX, XXXX XXXX.. 
XXXX XXXX, XXXX ( TWO REPEATED CALLS ) .. 
XXXX XXXX, XXXX XXXX & XXXX XXXX.. 
XXXX. XXXX, 5 CALLS ... 
XXXX. XXXX, XXXX.. 
XXXX XXXX, ( 3 CALLS ) ; XXXX, XXXX & XXXX XXXX ... 
XXXX XXXX, ( 3 CALLS ) Last XXXX at XXXX ... 
XXXX XXXX, ( 4 CALLS ) ; 2 @ XXXX, XXXX, XXXX ... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX @ XXXX XXXX ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX, XXXX ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS so far already ) XXXX, XXXX, XXXX, XXXX ....
Consumer complaint received 2022-10-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flatonia Investments, LLC (GA)

This complaint is more of a identity theft. In XXXX of XXXX Envoy Mortgage began collecting on a mortgage debt account number XXXX. In XXXX of XXXX I received a letter from Envoy Mortgage that the mortgage was being transferred to XXXX XXXX and a new account XXXX was open in my name. In XXXX of XXXX I received another letter from Envoy Mortgage stating that a new account was being open with XXXX XXXX XXXX. No authorization was given for Envoy Mortgage to open these accounts, and is identity theft. Each of these mortgages that I have been demanded to pay have been for almost {>= $1,000,000}. Each account has been reported to credit reports and effects my credit by showing that my mortgage exchanges hands often and does not show the total length of payment. By not showing the true length of the trade line Envoy is not reporting accurate information to the Credit Agencies. I have filed this complaint with the FDC.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

The credit card company is refusing to allow me access or give me any information on my account, or even to make a payment. In other words, my own account is being held hostage, and I run the risk of becoming delinquent on an account when they are refusing to allow me to make payments.
Consumer complaint received 2019-08-15
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. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-15
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. (UT)

XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.
Consumer complaint received 2022-10-10
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. (NY)

In accordance with the Fair Credit Reporting and XXXX  Account numbers ending in # XXXX ( Account Name : XXXX XXXX XXXX ) and # XXXX ( Account Name : 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 an account without my written instructions
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (FL)

I have repeatedly tried to get incorrect information taken off of my credit report. My credit report shows that my XXXX  loan was 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. This account was closed or transferred in XXXX therefore any reporting after that is inaccurate. The company will confirm this with me over the phone, but will not correct this issue with XXXX and will not send this to me in writing. I have made many repeated attempts to remedy this issue. This is greatly affecting my credit score and my ability to purchase a home.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OZK (AR)

I was involved in an online relationship with a XXXX XXXX. It was my understanding that a person was going to deposit money into my account on behalf of XXXX XXXX and I was to withdraw that money and send them to bill collectors as directed by XXXX XXXX. On XX/XX/XXXX {$9900.00} was deposited into my savings account at Bank of the Ozarks. On XX/XX/XXXX I went to the Bank of the Ozarks branch and withdrew {$2800.00} and {$7000.00} and sent the money to the places indicated by XXXX XXXX. On XX/XX/XXXX I made another withdrawal for {$120.00} and also sent that money to the places indicated by XXXX XXXX. I have records of each place the money was sent. 

On XX/XX/XXXX I received a call from the bank branch manager, XXXX XXXX. She asked me to come to the bank as we had a problem. When I got to the bank she informed me that the check for {$9900.00} was charged back to the bank. I inquired as to why the funds were released to me, the bank should have some sort of safe guard in place for things such as this. XXXX XXXX stated that the bank does but she was n't sure why the hold was n't placed on my account and that the teller that gave the money to me had been reprimanded. XXXX XXXX called me a thief and threatened to have me arrested and thrown in jail. She tried to force me to sign an agreement to repay the money. I refused, left her bank branch and contacted a lawyer. The bank as since turned me over to a collections agency. 

I was advised by my lawyer to file this complaint as the bank is at fault for not having safe guards in place to avoid things like this from happening. I also filed a police report with the XXXX Police department Incident # XXXX. 

I did not profit/benefit from this, I now know that I am a victim of a scam artist. 

Any assistance with this matter is greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ERC (WI)

Three companies are involved : 1. XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX who took over for the last owners of XXXX XXXX XXXX XXXX they had been XXXX XXXX. I don't or never have had service with XXXX XXXX and XXXX XXXX XXXX account was closed in 2014. It ia no way they will except closure now because I have loved at XXXX XXXX XXXX in XXXX or XXXX XXXX since 2014. The accoint was requested closed but they never showed up to get in with me. If some used the account afterwards its because they could get in on their own account not a collection to me. 
They are claiming that I am using a cable box that don't exist. 
3. I have internet service through XXXX XXXX XXXX My bill with XXXX XXXXXXXX XXXX. WAS ONLY {$50.00} a month so where is this {$520.00} coming from. My this month bill is paid. And O am not supposed to be paying cable for XXXX if I say something to the owner suppose they stop allowing it. I need to know if they are going to correct this error. 
XXXX XXXX XXXX
Consumer complaint received 2019-08-15
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: ALLY FINANCIAL INC. (MI)

We received a bill from Ally Financial on XX/XX/XXXX and XX/XX/2016 and they stated that we owed {$590.00} for damage and excess wear on our XXXX XXXX. We turned the car in 6 months early so there wasn't any excess wear and there wasn't any damage on the car. The dealership reviewed the pictures they sent and couldn't see any visible damage. We sent them a check for {$100.00} and felt that was all we owed. 
Since then they have harassed us with phone calls and letters. We just found out that they have placed a bad mark on our excellent credit record. We are in our eighties and have always paid our bills on time. 
We find it very unfair that a company can do this to us. We would like some advice as to how we can get this off our credit report.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

I am writing to bring to your attention a troubling experience with my PayPal Credit account. 

Today I logged on to check my balance and schedule a payment and observed that on XX/XX/XXXX, two prior payments for {$1100.00} and {$500.00} were removed from the account. The transactions are listed as " adjustments-payments. '' I made those payments on XX/XX/XXXX and XX/XX/XXXX, respectively, at which time they were deducted from my personal checking account and transferred to PayPal. 

When I called ( today at XXXX XXXX CT ) to figure out what was going on, the PayPal representative told me that these transactions were part of a " remediation '' and he would read me a prepared statement. The statement explained that a PayPal coding error caused the service to demand unusually and incorrectly high payments from customers in order to avoid deferred interest. 

This is true, these XX/XX/XXXX and XX/XX/XXXX minimum payment amounts were massive compared to my usual account management. For context, my minimum required to avoid deferred interest this month is {$38.00}. 

The statement said that in order to fix the problem, PayPal reversed the payments and reapplied them. The statement specifically says " no communication was sent to the customers. '' My account does not show that the payments were reapplied by PayPal -- though my bank never received a refund, so I hope that they have applied the payments I made to the balance due. I 'm not sure how to determine if this is now correct on the account, as the representative brushed away my concern that everything is " fixed. '' Even if correctly applied, it is important to note that I would never have made such large payments if they were not demanded as minimum required payments. 

Finally, I find it extremely troubling that PayPal 's policy was to hide this entire happening from accountholders instead of advising us of PayPal 's own service error and advising us to check our accounts for accuracy. I only became aware by coincidence.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Several months ago, Bank of America changed their processing of AutoPay billing. I have been a client of BoA for over 20 years and for at least 10 have used the AutoPay feature to pay my BoA credit card with my linked BoA checking account. Within these last 6 months I have noticed that my AutoPay did not function as it did in the past and missed payments. I contacted customer service and they advised me to update my AutoPay which I believed I had done. It turns out that after 20+ years of paying my bill on time, in full, with no overage charges that I continued to miss statement payments and was incurring interest fees on the rolling balance. After a conversation with a BoA representative it appears I was enrolled in AutoPay and paying my " Amount Due '' which was a {$25.00} minimum payment, not my statement amount due balance. There is another, new, option called " Account Balance '' which pays the entire account balance NOT the balance due on my most recent statement. There is no readily available description of these differences to the consumer during the selection process. 

I feel this is a deliberate attempt by Bank of America to intentionally confuse and mislead consumers to not pay their bill and therefore profit from the incurred fees, in addition to harming the consumers credit. 

I previously mentioned - I had DECADES of successful on-time and in-full payments and now I do not because of changes Bank of America made.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

Hi, i applied online on the citi bank site for the citi double cashback card..but citi bank improperly used my credit score and pulled it two times one from CBNA and other citibank na.. i don't understand why two score pulls for just one simple application. ..and would like to dispute both the charges. 


Inquiry CBNA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD Bank - credit card Inquiry CITIBANK NA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CITIBANK NA XXXX XXXX XXXXXXXX XXXX XXXX, SD National Credit Card Cos.
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (KY)

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (IN)

Performant Recovery calls my home and mobile phone repeatedly, harrassing me about a false debt. They claim they were contracted by the Department of Treasury to collect {$700000.00} in back taxes from me. None of which is true. My taxes are paid and up to date. I have never received documentation from anyone about this false debt.
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase!!!!! 
They removed my cash out of my account and into another that i have no access too. They dont reply to emails and blocked my phone after nearly 2 months of struggling to get my money back. Its only XXXX but i need it back in the value it should be to the bitcoin price now.