davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MI)

I am a customer of Rushcard for several years. About 2 weeks ago they had a system change which rendered my card useless. Since then my balance is missing XXXX I tried contacting member services for days. The phone would hang up after XXXX rings. I sent emails and XXXX messages that were unanswered. After finally holding for XXXX hours I get a rep that says he sees the discrepancy and will send it to the risk team and I will get a call back. I have not received a call. As of today the systems are down again. This is insane.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 I tried make a purchase my card was declined. I called BankofAmerica to  find out my account was closed I spoke to a rep. They told me I had wait on letter they sent out. I never received letter the company said they mailed it out on XXXX.I spoke  to a rep. on XX/XX/2020 from " risk department '' of BOA they told me reason was cause of a authorized user I put on account could not be located in system when trying to verified person. BOA never reached out to see maybe information was put in correctly they just closed out all 3 of my accounts cause they believe some typo of fraud was going on.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ASTA FUNDING INC. (TX)

Palisades Collections, LLC has continuously contacted me and harrassed me for a XXXX Account from XX/XX/XXXX, that I have previously Disputed as not being my account, as it is a result of Identity Theft previously with the XXXX, XXXX, XXXX. Then a few years later Palisades Collections, filed a lawsuit against me and it was dismissed as past Statue of Limitations ( by a few years ). I feel that Pallisades Collections, LLC knowingly filed a lawsuit that was past SOL with hope of a non-response default judgement. After several years of not hearing anything since the lawsuit, on XX/XX/XXXX, " XXXX '' of Pallisades Collections, LLC called me at XXXX from XXXX, to collect on this account. But because I would NOT verify my SS #, I was not provided the Name of the original creditor. So I called back on XXXX at about XXXX and spoke with a male named " XXXX ''. After learning of the original creditor, I immediately pointed out the SOL of this debt has long passed. And I was not paying a debt that I do not owe. I explained that I have very little concern with an account that is more than 15 years old. " XXXX '' then told me that he would continue placing inquiries on my credit reports to negatively impact my credit score. 

I believe this company will go through any unethical means to intimated, make false threats and also resort to unfair business measure to negatively impact consumers credit reports, IF Pallisades Collections, LLC. 's debt collectors feel the debtor will let it go unchallenged.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IA)

I obtained a Best Buy Credit Card administered by Citibank. I signed up for paperless billing. I have faithfully made the payments on time. For the XX/XX/XXXX statement I submitted payment and it was posted by Citibank on XX/XX/XXXX in the amount of {$110.00} which exceeded the minimum payment. It was received and posted by Citibank prior to the XX/XX/XXXX payment due date. I proceeded to get multiple past due notices, dunning phone calls and in the end a past due charge. When I contacted the company, their position was that my payment was too prompt so it was not applied to my XX/XX/XXXX statement. This is not a late fee, it is an early fee. None of the customer service representatives were able to correct this issue.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MA)

I ordered a replacement card from the rush card company. I am unable to activate the card over the phone or on the Internet. customer service does not answer any of the phone calls or return any emails. I have been calling for almost a week about the situation. I simply want to get the rest of my money out and I will not use this card anymore. Please help.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (OH)

Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S.Code 1681c2-a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, XXXX AND TRANSUNION. 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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
Consumer complaint received 2022-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I have a private student loan with Navient, took out a loan for roughly XXXX and was told to move these loans away from the Federal Plan they were enrolled in and at the time of 2006 roughly. Recently had graduated and was struggling to live with the economic times and other debts so I listened to Navient and enlisted in the program they gave me not knowing I could have been paying {$0.00} dollars through a income driven payment plan. I have been paying off an on, on the loan for roughly 15 years of time and for the past 7-8 years have been more consistent with those payments but still own more than I have ever taken out roughly XXXX dollars. It is a never ending cycle. My husband and I our both XXXX in Virginia. I am a XXXX XXXX and am looking for help however I can get it. I know about the lawsuit with Navient and feel that I meet the criteria for loan forgiveness, but have no way of knowing if I am on the list or not.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (AZ)

Issue 1- Mil star is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a checking account with Bank of America last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2023 I checked into the XXXX XXXX for XXXX nights for the XXXX XXXX XXXX XXXX XXXX. I am a sponsor with XXXX XXXX XXXX in XXXX XXXX, Texas. Checking in with me were my co-sponsor ( XXXX XXXX XXXX, and XXXX students. We had reserved four rooms in total one for me ( XXXX XXXX ), one for XXXX XXXX, and two for the students ( identified on the receipts as XXXX and XXXX on the receipts ). According to XXXX XXXX XXXX policies, I gave my Barclay credit card ( ending in XXXX ) for the charges to my room, XXXX XXXX used her credit card for her room charges ( ending in XXXX ), and the two student rooms ( XXXX and XXXX ) were supposed to be charged to the XXXX XXXX XXXX credit card ( ending in XXXX ). Upon checkout, we were given receipts verifying the correct charges to the correct cards for all four rooms ( see attached ). 

Upon returning home, we discovered that all four rooms were charged twice, once on XX/XX/2023, and again when we checked in on XX/XX/2023. I called the hotel and spoke to the manager at length on XX/XX/2023. The manager insisted that my personal credit card had not been charged at all, but that these were temporary holds. I submitted documentation to XXXX XXXX showing that the charges to my card ( XXXX ) had gone through twice, but he told me on the phone that they had no record of that and that I should dispute the charges with my credit card, which I did immediately. You credited the charge back to me on XX/XX/2023, but have now incorrectly reversed that decision and allowed XXXX to charge my card a third time for {$1200.00}.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MA)

Despite my repeated requests to stop calling me, I keep getting calls from " Guaranteed Rate Mortgage ''. My last e-mail was to XXXX XXXX ( XXXX ID : XXXX ), XXXX XXXX XXXX, who has clearly ignored my requests.
Consumer complaint received 2016-01-23
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (FL)

This company must be XXXX, because of their lack of bookkeeping they 've been harassing me for over 2 years. They chose to have XXXX separate student loans with the same account number so when I paid for both on a monthly basis they applied it to only XXXX which made it seem like only XXXX was being paid. I asked for them to be combined but they refused so now I 'm being harassed everyday, before XXXX about 5 times or more per day and after XXXX. I continue to pay monthly for both loans.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (TX)

I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (NY)

I recently received a monthly statement from Key Bank with a {$50.00} annual membership fee. This account has been inactive for at least 5 years, probably 10 ( and the company is no longer in existence, but I am sure my name is associated with it ). I called their their listed number to get this charge/account eliminated. I spent 30 minutes on the phone in an attempt to get the account closed. I was told to visit a branch to do this and told them that is not possible. I waited on hold for 15 minutes for a supervisor, and was told that one would have to call me back.
I just want them to close this account which was never theirs in the first place. I do n't have the time or money to deal with this. 

How do I get them to eliminate this ridiculous charge and close my account?
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc. (CA)

The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. States l have the right to privacy.

15 u.s.c 1681 section 604 A sectio 2 : lt also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

We use XXXX, a third-party servicers that interfaces with our XXXX XXXX XXXX XXXX XXXX XXXX to help save for our daughter 's college. On the XXXX website, Barclays routinely markets a cash back reward XXXX which earns 1.529 % into the XXXX account " if your XXXX XXXX account is linked to an eligible College Savings Plan ''. 

In XXXX 2023 we applied and were approved for the Barclays XXXX and promptly began to use the card for the cash back rewards into the college savings program. We ONLY signed up for the card to earn the advertised cash back of 1.59 %. 

In XXXX we noticed that the cash back earning rate reflected on my app was showing 1.25 %, so we send a secure message through the app and we prompted to speak with a customer service XXXX We called and spoke with someone and at first they said that I was earning the correct amount and the app was probably reflecting wrong and I insisted that I wanted it to be accurately reported on the app and then they said I wasn't getting the correct cash back rate because I didn't have a linked College Savings Plan on XXXX and I insisted that I did and they told me I needed to contact XXXX because they manage the linkage. I proceeded to contact XXXX and verified that the eligible XXXX XXXX XXXX was linked and the I should be earning 1.529 %. 

I filed an official complaint with Barclays ( ticket # XXXX ) on XX/XX/2023. I let a couple months go by and the cash back rate hadn't changed on Barclays app and I didn't see any funds retroactively post. In XXXX asked for an update to my complaint because I had gotten a feedback email that made it seem like my issue was close/resolved and they created another ticket ( # XXXX ). I have subsequently received customer service feedback request and emails asking me to link my college savings plan to get the higher rate 1.529 % ; however, when I log on to check the linkage it's still shows that the eligible XXXX plan is linked. 

I have followed up with Barclays XXXX XXXX and to date I haven't gotten any retroactive funds posted, my app hasn't changed to reflect the correct earning rate, and I haven't gotten any update from Barclays on what is going on with this issue. I am concerned that I'm not the only XXXX in this situation and their XXXX be some systemic programing issue between XXXX and Barclays. Barclays should conduct and audit to identify those impacted and ensure that everyone gets their retroactive funds back. I personally would like for them to credit me all my earned rewards immediately dating back to XXXX XXXX  The opportunity value of these have been lost ; these funds could be working hard in the stock market ( XXXX Plan ), not sitting on Barclays XXXX not benefiting me. I want all my earned funds back and my account recoded to earn the correct amount going forward. I have had my XXXX Plan linked to XXXX for many years, so this issue makes no sense to me.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my information.
Consumer complaint received 2024-02-15
Product: Credit reporting 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 am writing this to file a formal complaint against XXXX XXXX Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the Gramm-Leach Bliley Act ( GLBA ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.