davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I refinanced my student loans through Citizens Bank. When I refinanced, Citizens Bank had a promotion where they offered a {$1000.00} XXXX gift card to anyone who refinanced at least {$50000.00} between XX/XX/XXXX, XXXX and XX/XX/XXXX. According to the offer document, the gift card was to be " delivered to the borrower via email within 60 days of the loan disbursement date. '' ( see attached promotion offer document ) My refinancing note was executed on XX/XX/XXXX ( see attached statement reflecting date of note execution ), and the loan was disbursed on XX/XX/XXXX ( see attached statement reflecting disbursement date ). The note was for more than {$50000.00} ( see attached promissory note ). I am therefore eligible for the promotion, as Citizens Bank has admitted. Despite being eligible, I did not receive the gift card within the required 60 days -- which was XX/XX/XXXX. I called Citizens Bank ( several times ), and spoke to XXXX from the Priority Assistance team ( phone : XXXX ) and she confirmed that I am eligible for the promotion, but because my application was not initially flagged as eligible ( an error on Citizen Bank 's part ), they would not send me the gift card until 60 days after they corrected their error -- meaning until early XXXX -- approximately 4 months after disbursement. 

I explained to XXXX that Citizens Bank was in violation of the terms of the promotion, which required the gift card to be delivered within 60 days of disbursement, but I was told nothing could be done to expedite the process. I asked for the issue to be elevated to higher management but was told nothing could be done. I explained that I planned to file a complaint with the CFPB. 

The {$1000.00} gift card was the primary reason I decided to refinance my student loans with Citizens Bank. I would not have refinanced with Citizens Bank if I had known there would be a four-month delay in receiving the gift card, and there were several other options that I considered, including not refinancing at all. The delay is receiving the gift card has harmed me because I planned to buy a new cell phone in early XXXX using the gift card, and I need a new phone for my job.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

on XX/XX/2021 I applied for a credit increase on my American Express Reserve card. I was denied a credit limit increase based on the following reasons by American Express that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. Amex states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. Amex states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. Amex states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my Amex card Balance. 
5. According to XXXX  my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
Amex did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall Amex denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (GA)

MOHELA is the provider. Reported as open/ never late. Deferred. Pay period started XX/XX/2019. " No data for this period '' was reported on XX/XX/2019. This action doesn't show accurate reporting practices from the creditor with FCRA and has negative impact on the credit report. I believe this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 1 ) - ( 8 ).
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I put 50 % down on this house. My loan was sold to this horrible company, NewRez/Shellpoint. I was called early Saturday morning by a person who told me my loan was 2 months delinquent and my account could be referred to a collection company. I have an 800 credit score, my bank pays my bills and I was not delinquent. I asked her why the payment was increased {$700.00} per month and she did not know. I figured it was because they added their outrageous insurance bill onto my monthly payment. Then she suddenly awakened and said it was probably the reason. I have insurance and it is paid in full. In my 35 years the lender is notified if the insurance is not renewed. But NO, this company justs adds their own insurance without notice. I have hunted for hours to find the insurance department email and/or phone number for their insurance department and can not find it anywhere. I can get on the NewRez site but that is no help. I remember when my primary home loan was sold to NewRez/Shellpoint. On the 1 year loan anniversary NewRez/Shellpoint increased my payment on that loan {$1000.00} per month. It took them 6 months to get their mistake straightened out. I was so glad when I refinanced that loan with XXXX XXXX. NO other lender, to my knowledge, does this to their customers. In my opinion, this is a SCAM on consumers. I don't know if this is even legal for them to do without any notice.
Consumer complaint received 2018-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I agreed to pay my student loan by having it directly taking out of my checking account @ {$110.00} per month. I receive a letter in the mail XXXX 2017 stating that my student loan has been paid in full. I called Navient to see what that meant and I was told that it was only for one of my loans. The loan amount was {$750.00}. I asked how many months had they been takingXXXX out of my account? I was told 33 months. I wanted to find out is that ok or can they be made to reimburse me some of the money.
Consumer complaint received 2018-01-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

Dear Experian, XXXX And XXXX, Experian, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX DIST COURTBKXXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
Consumer complaint received 2023-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to Experian/XXXX and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX XXXX XXXX and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (LA)

XXXX XXXX has been harassing me over an account that has not nor did it ever belong to me. It belonged to someone who lived in my house by another name. They can't find the gentleman and now they have turned the debt over into my name with 5 different collection agencies and with all three credit reporting agencies over the last 6 years. Each agency has investigated it to find that what I speak is true and they remove it only to find it pop up again under another name and another anount. This is ridiculous and it is ruining my credit score. I am sick of it!!!!
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

XXXX XXXX account is now in deliquency through credit reports due to them illegally charging the wrong payments on two differnt cards through XXXX XXXX not one twice but 5 months and payments in a row, i contacted them and never did they attempt to switch credit payment on the proper account leaving late payments extra interest and bad marks om my credit reports i cancelled card and tried to have situation fixed at that time when the woman from XXXX XXXX told me it was my word against theirs and they would absolutely deny payment on wrong accounts ever, my bank statements prove that for 5 months payments money was tajen out and put on my other XXXX XXXX account against my wishes and even doubled on same account payment twice in one month leaving my other account very late with extra interest and late payments i refuse to pay off a creditors extra amount of fraudulent charges i will settle with credit bureau for half of what i owe after thus horrible and lying episode from XXXX XXXX,
Consumer complaint received 2021-09-09
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Ss # xxx-xx-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX   and XXXX  XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (CA)

At the end of XX/XX/XXXX, my mother ( age XXXX and XXXX ), and I opened a " XXXX Checking Account '' at Bank of the West. During the period that we had this checking account we took advantage of the Bank 's Bill Pay Service ( " BPS '' ). While the BPS was active we were charged many hundreds of dollars in " courtesy fees ''. Initially, these fees went unnoticed. However, by XX/XX/XXXX the annual statement shows fee charges of {$2000.00}. 

The Bank of the West operates under a fiduciary duty to their customers. Fiduciary duty means that the Bank has a duty to place the customers interest before the interest of the Bank of the West and its stakeholders. In our case the Bank has successfully avoided its fiduciary duty by programming their computers to charge customers a XXXX to XXXX XXXX dollar Courtesy Fee without prior notice, without cap, and without conscience. 

The annual fee charged by Bank of the West during XX/XX/XXXX was nearly twice the amount that my mother receives monthly. Meaning that the Bank has stolen two of her twelve monthly Social Security payments. This behavior is simply unconscionable when dealing with a customer who is senior citizen on a fixed income. 

I closed this account after learning of the excessive and unstoppable fee scheme in XX/XX/XXXX.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MN)

I have tried to close my XXXX XXXX account with XXXX XXXX multiple times. My first time closing the account was at the end of XX/XX/XXXX, and I have tired closing it two additional times this most recent time is last Wednesday XX/XX/XXXX. I have not made a purchase using this card in over a year. The XXXX store no longer exists When closing the account I call the company and they assure me that everything is taken care of. After getting the confirmation over the phone after each account closing conversation, I continue to receive paper billing from XXXX and notifications about due payments. This has repeated itself from XX/XX/XXXX-now. When I receive these notices I call XXXX and they clear the charges and ask for the account to be closed. Then the cycle begins again with me getting notices about account payments. Now, my credit score has been effected. XXXX XXXX has filed a late payment on my credit history and my score has dropped. Not only has this been a nightmare of something to deal with, but now my credit score has dropped. I would like this to be corrected, and I would like to know if I am able to pursue legal action.
Consumer complaint received 2018-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XXXX XXXX around XXXX XXXX, I wired {$20000.00} to XXXX ( Subsidiary of XXXX ) from my bank account at XXXX XXXX XXXX XXXX. Their website clearly states that wire transfers will be posted the same day if done before XXXX XXXX, and the next day if received after XXXX. I confirmed with their bank that my wire transfer was received and deposited with Coinbase within 30 minutes of being sent. 

I have sent literally hundreds of emails asking where my money is, and have only gotten a couple auto-replies, essentially stating that my case is being reviewed. The couple times I 've had the 4-plus hours to wait on hold to speak with a human being, I was told that phone support can not help with deposit issues. 

It 's been over 6 weeks with NO specific updates or acknowledgement. This is absolutely rediculous. 

XXXX # XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX : {$20000.00} Ref # XXXX
Consumer complaint received 2018-01-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (PA)

ja m a Service Connected XXXX Veteran with XXXX  health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year. 

Loan Date : XXXX XXXX Loan Amount {$5000.00}
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one XX/XX/2020 through XXXX XXXX. I got personal loan from XXXX XXXX XXXX for {$2000.00} pay off my capital one card to raise my score for new car. Once bank paid off my loan i call ask to verify. Bank rep ask me did i close to the account & i did. Wasnt as knowledgeable with credit as i am now. Hurt my credit by -40 points. I file a dispute capital one just put my account as paid as agreed. After i requested for it to be removed from my credit report. Still showing ristricted access to the closed credit card
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

The website to manage freezes with Equifax has been down for days. XXXX XXXX XXXX It takes you to this error page. : XXXX XXXX XXXX XXXX XXXX From what I read online, this is very very common for them.
Consumer complaint received 2018-01-01
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (SC)

I ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

Hello. I tried removing this falsified debt that's been on my report for the longest. It has no name of were it is coming from also no address can you please remove debt. Also I was not notified of this debt in 5 days. From section 611 this debt should be removed.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

I have an account with Care Credit. I have always paid more than the minimum payment due. Recently I came out of the grace period for no interest charges. Since this happened I am paying {$50.00} in interest each month. Only half of my monthly payment is going towards the principle of what I owe. I am on Social Security with a fixed income. I can not afford to pay this much in interest each month. I called Care Credit and asked was their something I could do and they told me to make higher payments each month which is not possible. I ca n't afford what I am paying.