davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I earned around XXXX travel rewards points by using XXXX card for purchases. XXXX is telling me that all those points expired 90 Days after their breakup with Costco. Those points were earned an I do n't think XXXX should be able to forfeit this with such a short time frame and without Noticing its point holders
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I have a Citi XXXX. It is the card with the 2 % cash back. The card has been setup for about a year. During that time I 've run large amounts through it, i.e. averaging about {$3000.00} per month. During that time I 've paid the statement balance in full every month. All of a sudden in the last month Citi keeps blocking transactions for supposed fraud concerns. I then have to make contact with the Card, sometimes having to wait on hold for an hour at a pop. I have voiced my displeasure, said this makes me nervous to use the card for travel, threatened to leave, etc. Citi 's response is almost like they want me to leave. They actually told me that I need to notify them 24 hrs in advance of travel. I took a quick look at rough card merchant fee info online. In my estimation Citi probably is n't making much in the way of money on the card. They 've probably realized I will never run up a debt on the card. The 2 % cash back that is paid to me probably negates the merchant fees. I suspect that they 're trying to frustrate me in the hopes that I will in fact shut the account down. In todays day and age its hard to travel or purchase items without a credit card. I would prefer to not even do business at all with the credit card companies, but that is next to impossible. This country desperately needs a type of clearinghouse where transactions can be processed. Amounts would come out of the checking accounts at the time of purchase ( no debit card ). In short the banks need to be cut out of the loop. 

The card companies want people that ca n't pay the monthly statement in full. They view people who do pay in full to be a problem. That 's a very flawed system.
Consumer complaint received 2016-06-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

I took a small loan regrettably from Big Picture Loans, which I am learning too late is a predatory lender. I was given a loan of {$700.00} with a {$240.00} finance charge. I have since paid that off completely with an extra {$280.00}. When I contacted them to stop payments since I had already paid it off, they informed me that I had been continually paying the {$240.00} finance charge but had n't even touched the {$700.00} loan amount, after I had already paid them {$1200.00}! I was not made aware when I signed for the loan that they expected me to pay a 831 % interest rate. I was absolutely shocked, and when I called to voice my complaint with a supervisor I was met with extreme apathy and unhelpfulness. After doing some digging I have seen others have dealt with the exact same problem and you have been able to help them. I am hoping there 's is something you can do to help me with this. In the meantime I am going to file a claim with my bank for the extra {$240.00} charge and put a stop charge on all Big picture Loans payments. 

Here is my contract that I was given AFTER I signed to take the loan. 

XXXX Please let me know if you need any further information and if I can help at all. Thank you so much for your time.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

There is a XXXX XXXX account which is being reported as a Negative account on My Experian report. I called XXXX XXXX and was told the account was closed back in 2012. I can not fathom why it is being reported negative if it 's closed. I went to my bank, to apply for a Personal loan, and was denied because of that account being Negative on my report. Is there anyway, something could be done to have it removed. It has left me in a bad place, not being able to apply and get a loan. 
Thanking you in Advance for any assistance rendered.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (TN)

This Complaint should be read along with my CFPB Complaint # XXXX of XX/XX/XXXX, against TitleMax of Tennessee. Though I stated in my CFPB complaint " Any and all Accounts '', I did n't specifically mention a second loan amount of {$500.00}, TM Account # XXXX. As my current, CPFB XXXX Complaint states I initially obtained a loan of {$1500.00} in XX/XX/XXXX. This second Account/amount for {$500.00}, initiated in XXXX, arose out of money that I had been eligible to accept in XXXX, but did n't take ( only XXXX application ). 
My Complaint with this loan revolves around the same issues as cited in the CFPB Complaint XXXX, above. In addition to it exceeding the State Maximum allowable Interest and Financing Rate, producing blatant XXXX practices, the Predatory Billing illegal practice of not applying the Payments received- to the Principal- Reduction, makes the loan virtually un-payable
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Not getting results from CB directly after mailing letters and sending faxes. These inquiries are not authorized and I 'm asking for removal from Experian report. 
1 ) XXXX Bank XX/XX/2016 2 ) XXXX XX/XX/2016 3 ) XXXX XX/XX/2016 4 ) XXXX XXXX/XXXX/16 5 ) XXXX XX/XX/2016 6 ) XXXX XX/XX/2016 7 ) XXXX XX/XX/2016
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

Hello, I received 2 emails from a company called " Chime '' that said they created an account. I decided to change my password because I was afraid of someone opening an account under my name. Today I received an email from Chime saying they are sending out a debit card. The address on file is one I lived at 7 years ago. 

I am going to call them and have them cancel the account, but I never authorized the creation of this account or asked for them to send a debit card.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION (FL)

I got gas on Saturday, then I was charged XXXX  of XXXX XXXX fee they treat you so bad, the have hold on your money, the representative started scolding me, I don't want hurt the credit union but they are hurting me
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I made an online bank transfer from my Union Bank account to a third party account at XXXX XXXX XXXX XXXX. Amount was for {$3500.00}. I made the transfer on XX/XX/XXXX. As it was a holiday, the bank scheduled the transfer and said the process will take 2 days. 
Money was taken out of my checking account on XX/XX/XXXX. As of XXXX Pacific Time on XX/XX/XXXX. The beneficiary still claims to not have received the funds. 
I made several contacts with my Union Bank and they insist it usually takes 3 business days and to wait. They said the online method I use for transferring the fund was via External Transfer and not a wire transfer. They couldnt even supply any financial tracking reference numbers or records showing the amount has been transferred and to the proper account. They said that if by XX/XX/XXXX the beneficiary hasnt received the fund, I should make a dispute claim which can take 7-10 business days to return the funds. I feel this is taking advantage and unfair on the consumer as they need to be responsible and accountable for handling your funds.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

It seems like they want to make money, ( they being Experian, XXXX, XXXX ), and do not reveal the credit score without a payment. Additionally, they offer options for disputing incorrect information, adding them to a cart ( beyond archaic from a technology standpoint ), and then tell you they ca n't dispute them -- more roadblocks to people learning what is being kept about them on file. Lastly, one offered all the ability to dispute, and once clicking on that action, it locked the account and said I now need to call a number, undoubtedly a maze of deflection of lack of staffing a call center. I work in technology and can tell you this is not only a ridiculously inept implementation of an online service, but so much so that it feels deliberate, and only something a monopoly or someone with guaranteed business can get away with. As a company in charge of incredibly personal information, this is entirely negligent and careless, and additionally, opportunistic where it should only act as an agency of record. None of them should be allowed to handle such information, or be able to operate in this country.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I bought a truck from XXXX and financed it through Santander. I paid for the additional GAP Insurance. In XXXX 2012, I was rear ended by another vehicle and my truck was totaled. The other driver was considered at-fault. His insurance and my gap insurance should have covered the entire balance of the truck. I find out a month ago that Santander claimed I had a balance left over and wrote it off as a repo. This is a False Repo that is now preventing me from purchasing a new vehicle. I need this fixed!
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WI)

Reporter to credit agency is XXXX. They inaccurately report rental property addresses on property that I own to be personal residences of mine. Makes me look like I have lived in XXXX different places, many times simultaneously. Have tried to dispute with Experian, and update failed to address the disputes. possible XXXX issue is XXXX reporting utility billings as loans, where credit limit is {$0.00} and balances are listed as greater than loan limit. 
At this time, these uncorrected errors are costing me thousands of dollars per year in property insurance costs as insurance companies ( XXXX and XXXX XXXX ) have begun incorporating credit score into premium rates.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My husband passed away in XXXX, a week later I notified the Mortgage Company ( Wells Fargo ) I was able to make my payments up to XXXX 2015. I called them to start a loan modification. I jumped thru hoops for them, sending every paper they wanted. The last I heard from my loan preservation agent XXXX XXXX everything was a go to submit all the paperwork to his manager that was XXXX XXXX. Today, XXXX XXXX I receive an email from a different person saying they need forms they already have, about XXXX of them. The new loan preservation guy said some of the pages were minimized and he can not use them. I do n't understand why they are giving me the runaround. For 18+ years we were never late on our mortgage. Please help me
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

There are wrong items in my report Co urt US BKPT CT  NJ  XXXX  - #  XXXX    XXXX     XXXX  - Account #  XXXX  ''
Consumer complaint received 2022-09-06
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted. I have highlighted the code as follows : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; To support my claim, I have obtained my credit reports from all three bureaus and attached photos highlighting inconsistencies. These include incorrect last dates updated, unmatched balances, and inaccurate payment history. This is a clear violation of the law as all the reports show inaccurate information but are still listed on my report. Additionally, proof of dispute is in the comments of the photos attached. The XXXX XXXX XXXX account ( XXXX ) is the subject of these discrepancies.
Consumer complaint received 2024-05-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have attempted to use this American Express XXXX XXXX with numerous retailers since 2020, without any luck. I have followed XXXX XXXX instructions on how to do so. American Express claims that this American Express XXXX XXXX is usable at any retailer that accepts American Express, which does not appear to be true.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

this is a continuation of the case # XXXX against CHASE BANK TWO MONTHS AGO ON XXXX XXXX THEY RESPONDED THAT I HAVE CREDIT BALANCE OF XXXX AND I OWE THE MORTGAGE FOR XXXX XXXX XXXX XXXX TOTAL DUE {$1200.00}. WHERE AS I HAD ALREADY PAID FOR XXXX XXXX AND THEY CLAIMED THEY DID NOT RECEIVE MY {$900.00} PAYMENT IN XXXX XXXX. 
I SUPPLIED THEM THE ENTIRE PAYMENT RECORD FOR THAT PERIOD.. 

NOW THEY CAME UP WITH NEW THING THAT MY ESCROW IS SHORT OF XXXX AND I AM STILL A MONTH BEHIND. 

DO THE CHASE HAS ANY SINGLE EDUCATED PERSON LEFT IN STAFF SO THAT HE/SHE CAN GO TO MY PAYMENT HISTORY AND CALCULATE HOW MUCH I PAID IN LAST 45 MONTHS AND HOW MUCH TOTAL I WAS SUPPOSE TO PAY IN LAST 45 MONTHS. 
IS THIS TOO MUCH I AM ASKING .. IT WILL TAKE LESS THAN 2 HOURS TO GO TO EXCEL SHEETS AND JUST VIEW ALL PAYMENTS MADE AND THAN JUST VIEW HOW MUST WAS DUE. 

THEY DO NOT WANT TO WORK THEY JUST LIKE TO HARASS CUSTOMERS BECAUSE THEY GET PAY FOR THIS TOO. 

SHAME ON CHASE BANK. 
BUT I PROMISE I AM NOT GOING TO PAY TWICE EITHER NO MATTER IF I HAVE TO GO TO THE COURT ... 

XXXX AND XXXX XXXX LOAN # XXXX
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Home Depot represtative told me that there would be no interest on the balance as terms of opening their account, so I purchased a small refrigerator costing around {$390.00}. But they added interest on the balance from the very begining which was disputed. 
I made many payments, but they added huge sums of interests and late fees toinflate the total amount but I still offered {$200.00} to settle for full amount. 
Now they do n't to deal with me or discuss about resolution as they have transferred theaccount to another entity. They must give me a chance to resolve it.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2018 Diversified Consultants received a certified letter from me requesting debt validation. Diversified Consultants responded by sending a bill. On XX/XX/2018 a 2nd written request was sent to Diversified Consultants to verify the alleged debt ; the company responded by sending another billing statement. Months prior to receiving this negative remark on my credit reports, I returned the cable/internet equipment to XXXX and was awaiting a final bill showing the deductions of the equipment. I never received a final bill reflecting the appropriate charges nor was I given the opportunity to pay the final bill before they sold the account to a collection agency and reported it on my credit reports.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was affected by Hurricane Irma, forced to evacuate the area XXXX XXXX XXXX XXXX XXXX FL where I lived and my home was not livable afterwards. Fema paid for a month of hotel stays but I had no options besides moving to TN on XX/XX/XXXX with family because the repairs and damages were just too much. I had XXXX credit card accounts with Capital one. My last payment on account ending in XXXX was for XXXX on XX/XX/XXXX prior to the hurricane. The account ending in XXXX was also paid the same day in the amount of XXXX. We evacuated XX/XX/XXXX. Not having enough resources to rebuild, I had to leave my residence and moved to TN to start all over. I called Capital one in XXXX once I was mentally stable enough and situated in TN. The refused to give me a break on the XXXX late fees that occured on both accounts ( XXXX late fees adding up to XXXX all together ) The only option they would give me would be for me to make half the payment ( on each ) and then agree to another payment XXXX or XXXX weeks later! They dont offer account protection services, otherwise I wouldve enrolled to protect myself like I did with my other credit companies. When I lost my job due to company shut down XX/XX/XXXX they didn't give me ANY options at that time either so I ended up making payments to them with the little income of XXXX a month from Unemployment! Try living off that as a single mother with XXXX kids until I was able to find employment and still continue to pay Capital One 's Tough Army! Now of course after experiencing a tremendous loss from the hurricane, my XXXX kids and I having to stay in Fema approved hotels for a month and then having no choice but to leave my home state and depend on family to help me until I got back on my feet, undoubtedably, it took a couple months to start recieving sufficient income to get caught up on things. I have called different times hoping to get a different result from a different person and they would never offer me anything other than a payment plan that was unfeasible to get caught up. And if it took a month or 2 to get caught up, they still would add the late fees each and every month which would make it impossible to get caught up! These accounts prior to the natural distaster were at their limit.-one for {$1400.00} which is reporting on their website as totalling out to XXXX at this point!! And the other limit of XXXX reporting at XXXX! Despite being informed of my situation they continued to call and call my phone until I could no longer afford my phone bill and they had no way of contacting me. Thats how destitute I was after this misfortune happened!!!
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RD Fuller Company, LLC (CO)

I am a XXXX XXXX with a child. I was forced to move based on threats by the XXXX XXXX who is under a XXXX XXXX. I notified the Company that manged the building that I was living in and assumed that they would understand and take the money from my deposit or an arranged work out.The unit was infested with bedbugs.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Fleet Financial, Inc. (VA)

As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.