davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF THE WEST (CA)

I opened A secured card in a branch therefore account was opened by representative in person. I was misled and getting false information and not disclosed all information. The product was not effective and not properly work when it should have so I chose to end my business with them but they will not help me in using the funds I gave them for the card to pay off the card and close it even after enduring unacceptable damages from them which they just ignore and Ive done nothing to address. They need to be audited by the IRS and government and all agencies as the way they treat customers its not legal, normal, or moral. I want out. I want to close my accounts, I want to be far away from this dark business and never be submitted to such corrupt and disturbing business practices ever again. I insist they complete what Ive been asking of them that they are refusing to respectfully do. They immediately need to transfer my money from my ( not theirs, it is my savings account not theirs ) savings account I gave them and payoff my secured card ( falsely advertised and misleading account ) and close both accounts after mailing me a check for the remaining amount left over. This should have been done without an issue. But more so it shouldve been done for the fact that this is based on a huge issue they created which caused XXXX and physical damages to me. I have spoken to several representatives which some have lied to me and told me it was being completed and others were rude to me and others were unwilling to explain or simply help me do the simple transactions and requests. Their policies answers and company values are greatly either lacking or out of whack. I feel like I have shackles on my feet I really have never experienced such an awful immoral business ever in my life. It is disturbing and scary reality.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under XXXX section where I screenshot and copy below. Please remove it.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I was notified by the IRS that Beneficial Finance submitted a XXXX for the XXXX tax year for non payed debt charged off debt dating back to to XXXX. This resulting in taxes owed to the IRS for earned income from many years ago.
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

My assigned federal student loan servicer is FedLoan Servicing. I have been attempting to switch my repayment plan from the IBR plan to the REPAYE plan since XXXX 2016. FedLoan has made numerous errors and has neglected to process my requests over a period of over 6 months. The original request to switch plans was completed on the XXXX and XXXX XXXX XXXX website ( studentloans.gov ). Over a month later, I had not received any correspondence from FedLoan Servicing. After calling several times and getting various misinformation, I was eventually informed that they had received the request but were n't processing it until I called them to request to be switched. After several more calls and more misinformation, I was finally placed on a reduced payment forbearance so that I could make the single payment to get out of IBR and switch to the REPAYE program ( request completed on XXXX XXXX, 2016 ). Most recently, I made XXXX reduced payments ( after having been told I only needed to make XXXX XXXX, on XXXX XXXX and XXXX XXXX. I then received a bill for XXXX, due on XXXX XXXX and was informed that its because FedLoan did n't process the request prior to the expiration of reduced payment forbearance. This issue required another set of calls to sort out, with more misinformation. So, its been over 6 months and more than XXXX calls to FedLoan Servicing, with lots of misinformation and mistakes along the way, and the process is still not complete! My husband has loans serviced by XXXX XXXX and he was able to complete the process in less than 30 days. I do n't understand how customer service can be so discrepant between the XXXX loan servicers and have been beyond frustrated by FedLoan Servicing and the amount of time and energy required to make a fairly straightforward change on my account. I have been so unhappy with their customer service, I sincerely hope to receive a different loan servicer. This is incredibly unfair to me and probably lots of other people who have had similar problems with FedLoan Servicing.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IL)

I am filing a complaint in reference to my Discover Card. During the XXXX XXXX, I had a significant balance due for payment. I was in and out of the hospital after suffering a fractured hip in XXXX. Also ended up in rehab and had XXXX. Yet I arranged the set up of payments for the Discover Card XXXX  balances for over XXXX plus XXXX. I checked with the company for the final balance which was XXXX and paid that total in the early XXXX  of XXXX. 
I received no letters, emails, or phone calls about any outstanding remaining balance due until XXXX, XX/XX/XXXX, over a XXXX  later. I was told XXXX  that the balance was short XXXX and now the amount includes late fees XXXX XXXX ). They claimed that although I was never properly notified I must adhere to there rules and regulations. I complained that I never received ANY NOTIFICATION or PHONE Calls until XXXX. I consider this fraudulent and illegal practices by this company to get more money. I am XXXX XXXX XXXX and being penalized for having paid my bills, and finally paying off what I was told was the balance via automated phone contactXXXX. I paid this new Required Balance and demanded that my credit card be Closed ( XX/XX/XXXX ). I believe that I should never have been charged late fees or late interest rates for the reasons stated above.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (VA)

I learned on XXXX XXXX that I would not be receiving a tax refund because of a debt I owed to AAFES. I have never opened any kind of credit at any military store. However, back in XXXX, my spouse attained credit and had one in my name, which he got without my knowledge or approval. It seems to be a very easy process for soldiers to get this credit with little background or steps to protect the person who name is on the card. I find this very unfair. No one should be able to get a card or credit without a signature or some kind of identification. Im not sure when he got this credit, but the collection people said that it was sent to them in XXXX. This is the second time they have given him a card in my name. He has charged over XXXX dollars on this particular card. I am tired of him getting away with identity theft. We are seperated and he is using my info. which of course he knowes by heart after being married for 30 years. But for these malice actions, our marriage is about to come to an end, but in the mean time, im trying to put an end to him trying to destroy my credit. I refuse to pay this debt. Im sorry, but its not fair to me. This account was opened without my knowledge, and should be closed immediately. I will never open a line of credit with AAfes or any other Exchange.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account does not belong to me.
Consumer complaint received 2022-01-20
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. (FL)

TRANSUNION : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts XXXX, Inquiries XXXX, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts XXXX, Inquiries XXXX, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX  XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!
Consumer complaint received 2021-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VT)

In XXXX I began working at a XXXX XXXX agency. I promptly contacted XXXX XXXX ( my loan servicer for my FFEL loans ) to make sure that my repayment plan would allow me to participate in the PSLF program. I was assured over the phone that all I needed to do was continue making payments as I had been, and that there was nothing else I needed to do at that time. I discovered in XXXX that my loan servicer did not participate in the PSLF program, so I lost 3 years worth of time and payments towards loan forgiveness. 
I have already tried this once, to no avail. I am trying again because I just read another report about how many borrowers have been similarly misled by their loan servicer, as I was. I can not understand why there is not more that can be done to make this right. Sending my complaint to the servicer at fault seems ludicrous since all they do is say the obvious, which is that my loans were not eligible for PSLF based on the fact that they were held by XXXX XXXX. I already know that. The issue is that I was told they would be eligible by an employee of that servicer. 
Please let me know there is another course of action. It is just wrong that they gave me wrong information, but there is no consequence to them, however I am stuck paying for an extra 3 years. 
I believe everyone who was making payments in good faith should get credit for those months towards the 120 needed for PSLF, even if they had the wrong servicer. It is obvious that many, including me, were deliberately given wrong information so the servicer would retain more loans in its portfolio. The CFPB was created to help people like us get fair treatment from these kinds of predatory practices. Please, please, please do that!
Consumer complaint received 2024-05-07
Product: Credit 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: AMERICAN EXPRESS COMPANY ()

I have been issue an refund from delta XXXX for {$400.00} and this was agree to refund as check, i never got it and the customer keep saying this has been send out and I phoned in many time and still unable to get the check, now Could i please get help resolve this and an addtional compensation for such horific experince and interest lost on money during the past 3 month
Consumer complaint received 2023-04-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$310.00}.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Filed dispute with Experian on XX/XX/XXXX due to XXXX XXXX XXXX XXXX reporting a previous {$30000.00} Home Equity being discharge in a bankruptcy filed in XXXX which is incorrect. Our XXXX  was NOT included in the debit discharged. XXXX denies any wrong reporting. 
Filed another dispute with Experian on XX/XX/XXXX and supplied loan documents showing XXXX had reported incorrect information. XXXX denies any wrong reporting. 
Filed a complaint with the XXXX  on XX/XX/XXXX and supplied all documentation which XXXX again denied any incorrect reporting information. The XXXX  found inconsistencies with XXXX and stated our complaint will remain on file. 
Filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in which we have no reply. 
XXXX reports the {$30000.00} XXXX  loan was XXXX, however they went on extend our XXXX  line twice more after the bankruptcy. 
The attached Bankruptcy file will prove XXXX need to removed the incorrect information it reported.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX. 
Date of XXXX XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (TX)

Citibank sent me a letter, dated XXXX XXXX, 2015, stating that they were unable to add the IRS as a payee in my checking account due to " customer service reasons ''. 
In their letter, Citibank stated that this policy was stated in their Bill Payment Users Agreement. 
I sent a letter to Citibank requesting them to point out in the Citibank Bill Payment Users Agreement where this policy was stated. 
I NEVER RECEIVED A RESPONSE.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I used Chase XXXX XXXX and issued a check to XXXX XXXX XXXX on XX/XX/2024. Chase sent the check to another merchant in another town that cashed the check. The check has the correct information and mailing address on the front. XXXX XXXX did not receive the check. The attached proof of payment clearly shows the check was sent to another merchant that I have never heard of.
Consumer complaint received 2022-01-20
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. (CA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX XXXX XXXX )
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and Equifax and the item has not been removed.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX ),  XXXX/XXXX XXXX, US Bank, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with US Bank, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to Target, XXXX, US Bank, and XXXX. Along with having a full time job we also own an XXXX  business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Consumer complaint received 2021-05-20
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. (NC)

I have received a copy of my credit report and it shows company ( Original Creditor : XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a debt that I was trying to pay off. In order to pay it off I used a balance transfer check from Capital One in order to have 0 % APR for one year. Five months later I realized that I was getting charged interest of 26 %. I called and they told me that there was some mistake and there is nothing they can do. Essentially, saying I used an expired check. However, I 'm pretty certain I did n't use an expired check. I asked for a copy but I 'm not getting one. And, they agreed that if the check was expired, it should have never been valid. I called again because it was very clear why I used a balance transfer check. Now they are refusing to return my interest of {$440.00}. They are saying there is nothing they can do.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Blockchain.com, Inc. ()

I use a app called blockchain to buy and sell crypto XXXX ov XXXX I sent a payment ov XXXX to the normal details I have to send and this money didnt come to the account this time I have tried to email the company to sort this but I just get a ticket number and no reply after that its been like 4 month now am just wondering how this can be resolved Ive tried every effort to contacts it them with no clear response
Consumer complaint received 2015-08-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (LA)

I constantly keep getting collection notifications in the mail in referencing a debt that was satisfied prior to the collection documentation began. I have contacted the original debtors whom confirmed the debt was satisfied ( attached receipt ). However, I still receive collection and demand of payment letters from the original debtor and collection agency ( attached ).