davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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: Incomm Holdings Inc. (MD)

As a service member I and my team have done some investigation and we are ready to build a case against incomm, so I bought these cards ( card and receipt attached ), before I know it this companies which are both XXXX companies without physical presence in the state ( XXXX XXXX ) and this other company cloned XXXX website because I called the main XXXX company provided my card last XXXX to them and they told me it is not in their system so they cloned the website and used my card on this website ( XXXX ) thats the website, I called incomm customer service when I noticed and to my surprise they denied it, I am now ready to push a case against incomm, how did a XXXX company use card when incomm agreement clearly states its meant for XXXX only? And there is also no way I will be responsible for this company hacking into my email and getting pictures, I will be joining any law suit filed against income and also providing information to news outlet, right now it seems incomm has XXXX protection for citizens, I WANT MY CARDS REPLACED
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX, I submitted my recertification with the Public Service Loan Forgiveness ( PSLF ) program through FedLoan Servicing. The certification shows that I am employed by a 501 ( c ) ( 3 ) non-profit and had been employed there, full-time, since XX/XX/XXXX. FedLoan Servicing maintains a PSLF tracker on their website. On XX/XX/XXXX, FedLoan Servicing processed my application. The PSLF tracker was updated to note that a portion of my loan payments from XX/XX/XXXX to present were " qualifying. '' However, the payments from XX/XX/XXXX through XX/XX/XXXX were are listed as " Employment Not Certified, '' despite my certification. 

On XX/XX/XXXX, I contacted FedLoan Servicing to ask for a correction and that all payments from XX/XX/XXXX to present be marked as " qualifying. '' FedLoan Servicing responded on XX/XX/XXXX, " Records indicate the Employment Certification From to track your employment history has been approved until XX/XX/XXXX. The forgiveness portion has been denied since you have not completed the 120 qualifying payments. We advise to update this form annually. '' This was not responsive to my request. 

On XX/XX/XXXX, I submitted another request for a correction. FedLoan Servicing responded on XX/XX/XXXX, " A request has been submitted to review your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ) to include all months shown as eligible per the start date on that form. We will send correspondence if we require additional information and apologize for any confusion or inconvenience. '' I received that review on XX/XX/XXXX. The payments were still not listed as " qualifying. '' I have also called FedLoan Servicing to address this issue. The customer service agent was not responsive to my request. 

I am deeply concerned that this miscount will delay my eventual forgiveness, currently scheduled for XX/XX/XXXX.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (LA)

There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a XXXX XXXX  program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX  school, I had never missed a payment.
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Solutions (NE)

I was sued and garnished for a debt that was not mine and eventually had to file bankruptcy. My sons father, not my husband or ex husband we were never married and never lived together, was court ordered to pay {$370.00} in support as well as keep my son insured till he was XXXX. My name is no where on his bills but because my son lived with me I took him to his appointments. There was consequently no communication from the doctors with me about billing for his appointments. And by the way I was covered by health insurance through the XXXX when these bills for my son were accrued. My son was not on our insurance because he was on his fathers. He subsequently did not take care of his bills or giving the doctors office the proper information they needed to bill his insurance company so his debt went to collections and some how they sued me I did not know until they started garnishment of my wages. I called them immediately and explained these are not my bills and the gentleman laughed at me and basically said whatever! The amount was almost {$6000.00}. So I filed bankruptcy to get the garnishment stopped but when we put the bankruptcy together I had none of my own debt to contribute to it. I dont owe any money, I dont have credit cards. If I need something I pay cash. So why should I have to ruin my credit by filing bankruptcy for his bills? We go to court XX/XX/XXXX for the bankruptcy and I dont want to file it. Its not my debt I shouldnt have to ruin my life for his incompetence. They should not have even been able to sue me for these bills. On top of all of it I have to pay a lawyer {$1800.00} for the bankruptcy. Its none sense. What can I do? Remember he was court ordered to keep my son insured doesnt that mean anything?
Consumer complaint received 2020-12-03
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. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

On XX/XX/year> XXXX XXXX deposited a lump sum payout after I closed my XXXX account because I switched jobs. 
Chime closed or restricted my account XX/XX/XXXX or XXXX and I was locked out of my account Chime requested that I send in documents I submitted a copy of my id, birth certificate, ssn,? A copy of my chime debit cards, the check stub from XXXX XXXX and pdfs showing proof the deposit was intended for my account and the funds are rightfully mine They are refusing to tell me what I did wrong and Ive requested to have my case escalated over 10 times. All of the money I have to my name is in that chime account and I cant put gas in my car, buy groceries or pay my bills.
Consumer complaint received 2020-12-03
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. (GA)

I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.
Consumer complaint received 2021-10-13
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: BARCLAYS BANK DELAWARE (UT)

On XX/XX/2021, I responded to an ad on XXXX for Paddle Boards, using my XXXX Visa as payment. When the items did not arrive as stated in the ad, I disputed the charge to my XXXX account, on XX/XX/2021. XXXX issued a credit. On XX/XX/2021, XXXX rebilled the disputed amount, without explanation, and without evidence to support the rebill. I contacted XXXX by written correspondence on XX/XX/2021. XXXX rejected my written dispute, saying my dispute was outside the dispute time period. XXXX declined to provide evidence supporting their decision for rebilling the disputed amount.
Consumer complaint received 2021-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Levy & Associates, LLC (IN)

I payed XXXX XXXX in a settlement the full amount of XXXX they have not yet removed the auto debt of over XXXX dollars off my credit reportthey gave it to a law firm for collections account number XXXX confirmation XXXX LEVY LAW FIRM LLC
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (VA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 a section 2 states it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (WI)

I am a certified XXXX XXXX XXXX XXXX in the state of WI. I was assigned to appraise a XXXX guaranteed loan for US Bank of XXXX, WI. The amount owed me for the appraisal is {$420.00}. The appraisal order is dated XXXX/XXXX/XXXX. This bank has received the money for the appraisal at the time the homeowner applied for this re-finance loan. The bank is aware of our net 30 days pay schedule. We call and e-mail daily and are getting nowhere. It does n't matter if this loan closed or not, that would be against XXXX. The contact at the US Bank in XXXX is XXXX XXXX, XXXXXXXXXXXX. This is regarding US XXXX # XXXX. XXXX XXXX XXXX
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX  response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Consumer complaint received 2021-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to remove those items from my credit report immediately. It has been over 45 days, so the items should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I am deeply disturbed that I recived a letter closing my complaint I am the not being repersented by anyone I have just taking the time to learn the laws and exercise my rights. Please take this complaint serious.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK (MO)

I had an account with Commerce Bank. I decided to change automatic payments from that account to a different account at a different bank. Due to timing the payments hit the Commerce Bank account when it had no funds in it. I had already set up the outside accounts to be paid to the new account but again, timing didn't work out. Instead of returning the payments, Commerce forced the payments through. What is strange is that they had returned them at one point and then when the company tried again, Commerce forced it through. 

When opening the account, I opted out of any overdraft protection the bank offered so those charged should not have been honored and returned by the bank. 

Since the payments were forced through by Commerce Bank and my outside company account was paid, I offered to pay the amount the account had gone overdrawn as a result. I refuse to pay for the fees because the payments should not have been forced through by Commerce Bank. 

I have intermittently tried over the last 4+ years to talk to a branch manager to waive the fees so I could pay the outstanding balance. I have been denied every time. 

I tried again today and was told the fees can't be waived now because it's been too long. I was also fed a line about the payments being a different kind of ACH so that's why they got forced through. I happen to know that is not true and do not appreciate the lie. 

I will gladly pay the outstanding balance but will not pay the fees. Their error has cost me the ability to open accounts at other banks. Fortunately, I opened one before this issue hit XXXX so I have a functioning account but this shouldn't stop me from being the responsible consumer I am. 

The amount I believe I should be liable for is {$83.00}. I would need Commerce to verify that though.
Consumer complaint received 2020-12-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I been disputing this account since XXXX of XXXX I've been a victim of identity theft. I contacted the bureaus about this account they took account off. XX/XX/XXXX I receive a new credit report and discovered the original company sold the debt and put it back on my credit report i contacted the company and told them about my issue and it still on my report
Consumer complaint received 2021-01-24
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. (NY)

I have contact the companies & credit reporting agency, Equifax to remove the fraudulent hard inquiries from my credit report on XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.
Consumer complaint received 2020-06-04
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-03
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: BMO Bank, N.A. (IL)

I not only called BMO Harris in an attempt to get them to investigate an improper portion of a charge on my credit card ( ending XXXX ), but sent *four* written notices, including by fax. The company has refused so much as to investigate the improper charge, which is their duty under the Fair Credit Billing Act. 

I notified them immediately that I had been charged a 'fee ' that XXXX XXXX varyingly described as their own optional fee *and* as a 'tax ' ( it is almost certainly not the latter, since taxes were listed separately, once I was permitted to view them ). The charge for my mobile service was only ever advertised as {$180.00} ; I assumed there would be some tax when paying, but not 12 % worth ( which does not jibe with sales tax ). The total charge was never revealed until after I paid with my card, and I was never sent an itemized bill ; it was only after some digging in an online account that I managed to find the accompanying itemization. The fraudulent amount is {$17.00}. I was only ever able to reach XXXX XXXX customer service once ( they have no electronic or mail addresses that are public, so calling is the only way to reach them ), when the CSR told me it was a 'tax ' and then, when I asked to speak to a supervisor, disconnected the call. 

To be clear, whether a 'recovery fee ' is legal or proper or not ( and I have no idea, as the only explanation I ever received or found was that it is a 'fee ' or a 'tax ' ), this needs to be stated up-front not only listed *after* the customer pays! 

This deceptive charge is obviously unacceptable. However, it is BMO Harris that could have helped resolve the issue of the phantom charge, but simply has refused to even address it, which baffles me. When I called the CSR refused to investigate, only telling me to talk to XXXX myself going so far as to connect me to their customer service again! 

Attached are the itemization I eventually found ; the screens one sees before purchase ( note that they only state {$180.00} mine is the 12 month/ 3GB ) ; and the third written notice, which I faxed ( there I state 'final ', but I did try one further attempt in secure messaging ). 

I have tried over the preceding 2.5 months, with my many notices to BMO Harris, after my futile attempts with XXXX, to get them to assist me ; regrettably, I feel I have no choice but to ask the CFPB to enforce consumer rights when a company blatantly shirks its duty under the law. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, IL XXXX Disputed Credit Charge Credit Account Credit Card - XXXX Transaction Date XX/XX/2019 Merchant Name ( as it appears on your statement ) XXXX XXXX Transaction Amount ( excluding fees ) {$200.00} Disputed Amount {$17.00}
Consumer complaint received 2024-03-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (GA)

We contacted the company for a VA loan assumption the XXXX week of XXXX. They said they were going to mail the assumption package but they didn't. I contacted them again and they finally emailed it. We completed the paperwork and sent it back via email and waited the XXXX hours we were told it was going to take for review. XXXX weeks passed and no response. We have contacted them via email because they don't have a direct phone number. All communications have to be by email. 
Finally they answer by saying we were missing paperwork they didn't specify. We sent it and as a right now we haven't heard anything. My agent tried, the other people 's agent tried and still no answer. We still don't know what is going on and it's been almost 2 months.