davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to BANK OF AMERICA to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either BANK OF AMERICA or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XX/XX/24 I attempted to use my credit card to make a purchase at XXXX XXXX XXXX. The card was declined at the register. I did not receive a text message or any communication from the bank to verify that the charge was me, the card was just turned off. At that time, I called Customer Service to request the hold be lifted. I waited on hold at the register for over 20 minutes with no support. I had to leave the store as I could not wait any longer. No one from the bank contacted me and the card remained unusable. On XXXX  XX/XX/24 I called Customer Care again. I was placed on hold for over 45 minutes with no assistance. I called back and asked that someone please call me when they were available, as I could not hold any longer. I was told that they could not do that. They suggested that I may need to go into a physical bank location to have the hold lifted off my card. They told me this at XXXX. The closest branch to my home is XXXX minutes away and closes at XXXX. This means that I still am unable to use my credit card at all today, day three. Since I have to work full-time all week, I will not be able to make it to a physical branch until at the earliest next XXXX. The bank refuses to offer me any support to get my card restored. I asked if I could please close my credit card account as its unusable and the level of customer service is frankly unacceptable, and I was told they could not close the card until I went to a physical branch. This means I know do not have a usable credit card, nor am I able to close this card. These procedures are not in place to protect the consumer. These are clearly methods to protect the bank alone. I believe this behavior should be illegal for banks. They either need to contact the account holder to resolve the issue, or they need to provide a reasonable level of service for the consumer to resolve the issue within the same business day. I am now left without a usable credit card, which puts me at risk, despite the fact that I have a credit score over XXXX, pay my bill on time, have plenty of available credit and was using my own card for a valid purchase. This is not consumer protection.
Consumer complaint received 2023-03-30
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records
of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. 

XX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # XXXX
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

For over 3 months none of my payments have been processed on my student loans account with Nelnet. I have my account set up on " auto-pay '' and still Nelnet claims I'm " missing payments '', even though Nelnet has NEVER communicated WHY this is happening. 

When I noticed the first missing payment, I paid twice the amount to cover the late fee and next month due. Despite this, it wasn't until today that I was made fully aware not a single payment has posted on my account since XX/XX/XXXX. The only reason why the XX/XX/XXXX payment was processed is because I paid the loan through the StudentAid.gov website. I preferred to continue paying my loans via StudentAid.gov, but StudentAid.gov sent a notice that they are no accepting loan payments through their website.

Regardless, I have zero communication from Nelnet explaining how, when, or WHY my payments are not being acknowledged. I have multiple email screenshots where Nelnet sent a payment confirmation, including a transaction number. 

I have made multiple efforts to contact Nelnet, but my calls go unanswered after waiting on the line for over 2 hours. I filed a complaint with StudentAid.gov, but I was advised to seek payment assistance. I don't need financial assistance. I need my payments to reflect on my account! I fear my credit score will be negatively affected and I fear that I am being forced into forbearance.

Please help! I just want to pay my loans!? PLEASE!
Consumer complaint received 2022-09-05
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: CITIBANK, N.A. (NC)

accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-03-30
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. (CA)

XXXX XXXX XXXX I received notification from XXXXXXXX XXXX that they were changing the branding of their credit card from XXXX to XXXX. The new card should arrive by mid XX/XX/XXXX. XXXX XXXX came and went no new card. XX/XX/XXXX came and went no new card. Called and was told would mail new card. XXXX came and went no new card received. Called again and was told new card sent. A new card was finally received in XX/XX/XXXX and activated. In XXXX I withheld payment of the bill until they could get me a new card. I requested company reverse late fees, interest and credit reporting since card was not received until XX/XX/XXXX when due XX/XX/XXXX. I am requesting the reverse all interest, late fees and reverse their in accurate credit reporting from XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Tickets that I bought for a concert were cancelled due to covid. The vendor is refusing to issue more than a 50 % refund, despite the concert being in California where this is illegal. Wells Fargo / Visa issued the debit card that I used. WF now reports that Visa changed a policy on XX/XX/XXXX ( tickets were purchased prior to this, but cancelled after ) stating that they will not charge back an " large gatherings '' that are cancelled due to covid. Visa / WF say I should contact the vendor ; vendor is refusing the full refund.
Consumer complaint received 2024-03-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION (MD)

I am very unhappy with m and t. I was first told by them i was recieving a partial claim to only be ran around by them and than told they made a mistake. So i was basically forced into a modifacrion which made my mortgage jump over XXXX dollars. Than to take the kicker my papers did not have to be signed until the XXXX of the month but yet the payment was supose to be in before the documentation. Just how excately does that work. My hand was forced being that my XXXX  son just had a XXXX XXXX and We had no where to go.. instead of being affordable it is crazey.. Thank you for your time.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2021-09-03
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: JPMORGAN CHASE & CO. (NJ)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 and the balance of {$30000.00}.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ideal Collection Services, Inc. (FL)

I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (IL)

Citi Bank continue state that I am responsible for an account, i never authorized on top of them claiming that the account was verified without providing me with any proof my claim was denied after I filed a police report for identity thief. I would this matter to be investigated completely and deleted immediately.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Upgrade, Inc. (AL)

In XXXX I made an initial complaint and filed a dispute with my bank in reference to a {$220.00} XXXX XXXX  withdrawal that I did not authorize they first tried to say they sent communication requesting more information however they did not because when they sent the communication by mail that they closed my account that they close my dispute I received it in a timely fashion called and had the case reopened off XX/XX/XXXX I had not received communication from them so I called today and was told my dispute had been denied again without notification and the only reasoning is they say I authorized it or I didn't send information which nut has been requested I even asked the gentleman today or that I had already been compensated from XXXX XXXX which is not correct I have not even contacted XXXX XXXX because I'm supposed to have 100 % fraud coverage on my card so I didn't find a need to contact XXXX  XXXX  as a XXXX XXXX  I feel like they are stealing for me and using my inability to her adequate Castle to fight them to their advantage
Consumer complaint received 2022-09-05
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: SYNCHRONY FINANCIAL (NC)

accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed a credit discrepancy on my Transunion account against XXXX XXXX on XX/XX/2016 and by XX/XX/2016 the account was not removed in accordance with the law. I call the bureau and they still did not remove this account.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states 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 purposes.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This credit card account with USAA SVG BK was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards.

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that USAA would no longer be servicing secured credit cards, USAA failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : XXXX
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

The company called and spoke to the receptionist. They asked for my last XXXX SSN and informed the receptionist they were calling to verify employment for debt collection. My fellow co-workers did not and should not know of my current financial status. It has also damaged my reputation in this brand new position in this new job. I do not think informing my co-worker that they are calling to collect debt not asking for her to reveal my SSN ( which as a regular co-worker she does not have access to ) is appropriate or legal.
Consumer complaint received 2015-09-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Acceptance Solutions Group, INC (OH)

I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop!
Consumer complaint received 2022-02-13
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. (GA)

I have previously submitted a complaint the CFPB stating that my dispute sent to the XXXX bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!
Consumer complaint received 2016-04-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

I went in to get a loan from spring leaf financial and the representative went over the benefits and features of the payment protection and life insurance. Quoted me a payment with it automatically added. I then declined to take the " optional insurance product '' She then continued to try to sell me the product even after I had declined and said I was not interested. She insisted that she needed to continue telling me the benefits and features in case I wanted to change my mind. They then told me how my rate was going to increase because I did not take the insurance so it put my loan just under XXXX. I then asked them can we increase the loan to the amount they were going to do with the additional insurance on there to get the lower rate and the woman said no. she said we would only allow that loan amount if you were going to take our additional insurance product otherwise we will not increase your loan to that amount if you are electing now to take it. She also then indicated that because I chose not to take it which would have increased the amount and reduced the rate that I would be subject to the higher interest rate. I tried to speak with the woman to say that this seems very deceptive and she said that it was how they did things and that it was an optional insurance product. To me it does n't seem right that they are willing to increase a loan amount if I buy their insurance but not if I do n't and that they are going to raise my rate if I do n't take it by changing the approved amount. Also they kept pressuring me to take the insurance after I had already indicated I did not want it.