davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

Home Depot did a bait and switch with a home improvement order we had put in and paid for with their store credit card. They failed us every step along the way. We took out the credit card as the sales rep aggressively pushed this and mentioned how it hurts them if they don't get enough sign ups. Feeling like this could affect our order and service we did proceed with the home depot credit card despite being debt free and having other options to pay for the purchase because we felt pressed to give in to the repa pleas.. The install never occurred after several issues and Home Depot continously telling my wife and I they would make sure things were fixed and completed. After being strung along for months we completed a return yet we still have this credit card they aggressively forced on us. I'm reporting g to ensure these horrible practices are discontinued so another customer isn't impacted by deceit and aggressive practices. This all occurred in XX/XX/2019 and can be verified that we never have used the card that was issued other than this one occasion. The hard inquiry had a negative effect on my and my sposues credit and had Home Depot of acted with integrity we would never have applied for a card to which hasn't been used in almost two years.
Consumer complaint received 2020-11-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Counsel, Inc. (CA)

Dear Cfpb, XXXX XXXX XXXX XXXX : CREDIT COUNSEL INC Original creditor : XXXX XXXX XXXX XXXX opened XX/XX/2020 Amount : XXXX On XX/XX/2020 the Secretary of Education directed the office of Federal Student Aid to provide the following relief on ED-held federal student loans : suspend loan payments stop collections on defaulted loans set interest rates to 0 % for a period of 60 days On XX/XX/2020, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XX/XX/2020.

On XX/XX/2020, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XX/XX/2020. 

Despite the fact that ongoing litigation case detail here XXXX XXXX XXXX They won't respect the rule and laws, Put my credit score in dangerous and harmful during this pandemic is very unconstitutional. 

The federal loan often 10 years, but many don't know that before having a chance to pay back the federal loan.

.

These corp private school loans already put these dreams under collection after a 2-3 years loan term. 

What's I know now after enrolling and graduated. In contrast, they haven't completed any commitment and promise in the contract from a business point of view. 
Frauding process and education plan, the structure education plan prepare under XXXX systems, and that plan to destroy US education systems as a goal. The government must act. 

Example : All high education colleges require accreditation as required by law. 

The private school claimed accreditation that is false, it's an invalid search in the student clearinghouse, it's also mean Non-transfer credit eligible to any US college. 

Non-report data success transfer college in the private school.Non-transparency. 

Again, these corp private school is intended to manipulate the system for this interest, and they go after vulnerable students and that is exactly what is this United Education Institute did. 


XXXX XXXX
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I requested validation of this debt and was completely ignored. I had two insurances : a private PPO and I am a XXXX Veteran and VA picked up the remaining debt as I am service connected. I have no idea how I can have all of this insurance and still have a medical debt. I wrote the original creditor and Progressive and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX.
Consumer complaint received 2020-09-04
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: CITIBANK, N.A. (CA)

I purchased 4 passengers tickets from www.sky-tours.com for around {$4300.00} in XXXX and the flights were cancelled due to COVID-19 but I still haven't received refund yet. I filed a credit card dispute through Citi card but they closed the case as merchant 's favor even though it was fully refundable tickets. I contacted the travel agency so many times but they never answer the calls. They just kept telling I have to wait.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened both checking ( ending with XXXX ) and savings ( ending with XXXX ) account at XXXX XXXX XXXX Chase branch around the beginning of XX/XX/2020. However, after I attempted to make a transfer of {$15000.00} to initially fund the account on XX/XX/XXXX, the transfer was cancelled on XX/XX/XXXX ( Attachment # 1 ). I also got a letter date XX/XX/XXXX that state that there is an unusual activity on my account ( Attachment # 2 ),  which I tried to contact Chase  promptly on XX/XX/XXXX 1 ) via phone to the call center with extremely long wait time of more than an hour 2 ) via phone to a banker at local branch and 3 ) via secure message ( Attachment # 3 ). However, both of my accounts were still closed by Chase due to the transfer on the same day, XX/XX/XXXX, state that " you didn't provide information we requested '' ( Attachment # 4 ), which would be impossible to response since the notice is issue the same day as the closure. This made it clear that the closure of these accounts are not my fault. 

Today ( XX/XX/XXXX ), I tried to reopen both checking and savings account at Chase branch with {$600.00} coupon offer code XXXX XXXX XXXX XXXX ( Attachment # 5 ) at the same local branch. The banker informed me that the system does not accept the coupon because of the accounts there were opened on XXXX and closed by Chase shortly afterwards and I will have to wait for two years if I want to get an opening bonus again. 

However, the coupon wording clearly that You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Since I have never received any bonus from Chase. It is clear that I should be able to use the coupon, especially since the past closure of both of my accounts were clearly not due to my fault. 

As such, I request that Chase modify the system to allow me to use the {$600.00} coupon or provide any other means that would allow me to open both checking and savings account and receive {$600.00} opening bonus in the same way as with using the coupon. 

To be clear, I would like to say that all the bankers at local branch are very helpful, treat me very nicely and I would like to thanks them for all the help so far. However, the process of opening the accounts at Chase overall is extremely frustrating.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

i accidentally made a payment for {$750.00}, it was supposed to be XXXX $ back on XX/XX/XXXX, i have contacted the bank on XX/XX/2020 they made me send proof of payment which was sent XX/XX/XXXX to operations research and when i called on XX/XX/XXXX i spoke with XXXX she said refund was issued XX/XX/XXXX, and they they would expedite my refund so 3-5 days but she did not sound to sure of her self so i called be back the next day spoke with XXXX in disputes, XXXX in customer service and billings who transfered me to XXXX who said my refund should be 7-10 days and they would mail a check. well its now the XXXX and no refund. when we spoke with reps i asked to file a complaint about the deceptive practice of lying and how they are misleading me about the process of a refund and the story keeps changing every time i call. 

on XX/XX/2020 i called and spoke to XXXX in XXXX XXXX texas she is a supervisor who was rude and deferred any actions that were not taken by previous reps and told me that they did not start any process to refund till the XXXX, this seems very dishonest and deceptive that i have been lies to and that the company held my money for 2 weeks before they decided to refund me my money, she also did not state anything about the complaint i had filed my bank was unable to recall the payment because its was electronic payment.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my XXXX XXXX XXXX without showing my legal Last Name ), and without disclosing the creditor 's account number. 

EQUIFAX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname XXXX without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE XXXX XXXX COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the XXXX XXXX on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a XXXX citizen ( almost XXXX XXXX XXXX ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with EQUIFAX on XX/XX/XXXX and with XXXX on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over XXXX  years ago on all my credit files. 

I have informed EQUIFAX, XXXX, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MA)

I got car finance with Ally XX/XX/2019, I been paid the most I can to pay off as soon as possible, Ally did accredit the payment to my account property and submitted false information to the credit bureaus. 
A complaint was filed with the Office of Consumer Affairs and Business Regulation, Division of Banks, their response was late, confused, and contradictory. 

A complaint was filed with the Massachusetts General attorney office, No update on that. 
The action of Ally was neglect, malicious, and cause damage my credit.
Consumer complaint received 2022-12-06
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: Professional Debt Mediation, Inc. (TX)

n accordance with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting act XXXX Account # XXXXXXXX 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
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (VA)

My experience with the company have been a total nightmare. I have an account with the company that I had to close due to all the fraudulent activity since XX/XX/XXXX. I have disputed the amount of {$2800.00} with the company and was just advised no error was found and no one can explain why. Every time the company sent a new card when it was activated unauthorized transactions occurred. This have been since XX/XX/XXXX. I have been calling and calling and there is still no resolution. I honestly feel some fraudulent matters are happening internally as well. Someone changed my username and password several times and I was advised it only could be done internally. I have spoken to several representatives and asked to speak with a supervisor many times. Every time a supervisor is requested I am kept on hold for hours and no supervisor answer the call. A supervisor finally called me back after I was advised will receive a call within 30 minutes. However, the supervisor called at XXXX XXXX  EST so I missed the call. I am working with the XXXX XXXX XXXX as well. This issue have been going on too long and have impacted my household. I was advised I will receive a provisional credit and now advised no error was found therefore no credit will be issued. The employees can not explain why and state they have not received the disputed information and I sent it 3 times and received the mailed delivery email. The account was open over a decade and now I am experiencing this. Direct deposits were made from my employer to the account every XXXX  and once made it seemed as if unauthorized transactions were made. I have not used the card since XX/XX/XXXX then called to request to deactivate it due to fraudulent activity and some how the funds deposited into the account were still used. 

I have been calling since XX/XX/XXXX ; however, the dates listed are some specific dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is multiple times most days. The only reason why some calls stopped for a while is because we were advised we would receive a provisional credit.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tesla, Inc. (CO)

5yrs ago I got Solar Panels and the sales person completely misrepresented herself-that has been dealt with HOWEVER, I have been sending in monthly payment on both of my systems ever since and NOTHING is being applied toward the principle and they apply everything to the interest. How can the get away with not applying anything toward to principle and everything to interest. AND I was suppose to have a sent payment to pay monthly to pay this off, and I don't have that either. My monthly payments bounce all over the place. How can Tesla just put a different payment every month with NOTHING going toward the principle. They are worse than a loan shark. Please investigate their lending practices.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (FL)

someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OK)

Had an account with XXXX XXXX  He received and cashed out a check for an auto accident. Without my consent. This was after we had split up and were no longer together. The bank had not allowed me to close out our account stating that we would both have to be present. Then they allowed him to cash out a check with my name and close the account. Cloase to XXXX
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX  XXXX  XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX  XXXX  XXXX {$75.00} XXXX XXXX {$300.00}
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I applied with XXXX XXXX XXXX for a VA Home Loan, FHA Home Loan, XXXX home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX ext. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( XXXX ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the XXXX XXXX XXXX, Compliance, General Counsel and the President of XXXX XXXX hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, XXXX, and or a XXXX Home Loan  as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to XXXX, and I've advised XXXX of my instructions for non-delays, let me explain, just like I file 439 XXXX Congressional Inquires, I advised XXXX, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, XXXX of their XXXX duties. Systemic XXXX XXXX acts will Not prevail
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I.C. SYSTEM, INC claimed I owe XXXX as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

I have told them approximately XXXX times I have no knowledge of this debt or there compa y and have never applied or signed any documents or proof of debts received from them. I have asked multiple times to stop calling me and remove my number but they refuse to do so
Consumer complaint received 2020-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (IL)

I am writing this letter about a Credit Bureau dispute with Sallie Mae. This account is up to date. I have uploaded a School Verification form twice. I have also spoken with 3 different counselors from Sallie Mae and I was told this would be taken care of. I have been harassed by this company every day since XXXX, 2020. I do not owe anything at this time except monthly payment that I have always made on time. My daughter has an in-school deferment that they have and have not processed. I am requesting they take off the extra monies, fees and send a letter to the credit bureau to restore my score. Sallie Mae needs to update my account and halt the harassing phone calls and take care of this matter ASAP.
Consumer complaint received 2020-11-02
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. (TX)

XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX LENDING | XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} UNIVERSITY FED CR XXXX | XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX/XXXX  | Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX-XXXX  | Date of Inquiry : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.