davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (CA)

Left messages for them to call me back since I cant not make full payments. To try to resolve this matter. Called not only my family after I said not to but all threat them if I dont pay in full right away they will also go to jail
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CO)

After returning from an overseas trip in XXXX of this year and examining my US Bank statement, I noticed a suspicious/unrecognized charge in the amount of {$130.00} debited from my checking account ; a charge for funds that were never disbursed. I immediately disputed the charge with US Bank through their normal and recommended channels, both by phone and by mail, and was denied redress ( US Bank Reference Number XXXX ). As it turns out, US Bank investigated a different ATM transaction than the one I was disputing, one that actually did disburse the funds I was seeking, and then stated that this was the reason my dispute was denied. All subsequent attempts to sort out this error/confusion, and direct their attention to the actual ATM charge in dispute, have been to no avail ; I am being effectively stonewalled at this point.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. 
DELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

I open the account in a XXXX  store that told me wrong information about the monthly bill I received the bill for the month that was coming up I had not been over my 14 days return policy so I return the phones so I took the phone back and close the account now they trying to charge me for the phone and service I return. I called and talk with the company and explain what was going on and they still didnt remove the report
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).
Consumer complaint received 2020-02-02
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: EQUIFAX, INC. (NC)

I had sent in numerous documents about XXXX to Equifax and XXXX. XXXX  has resolved it months ago. Equifax and XXXX  continue to report this inaccurate account on my reports.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank processed a zero percent interest promotion at XXXX XXXX, and I was approved for the zero percent interest. However, XXXX XXXX processed a fraudulent charge - I was told by the XXXX XXXX that in order to hold pricing I needed to sign a sales receipt, but with {$0.00} due. After initially being apprehensive, I was assured by the sales representative that no transaction would be processed, and I had a 3 day grace period to cancel the transaction. The next day, I went to XXXX XXXX and attempted to cancel the transaction, but the manager refused to do so - even though I hadn't received any merchandise, and the sales receipt showed {$0.00} due. I reported this to Synchrony, and initially thought this was a dispute, but Synchrony processed the claim as fraudulent. Over a 4 month period I continuously followed up with Synchrony bank - Synchrony then changed the claim to a Dispute ... .extending the claim. Synchrony miss-represented my claim, and gave me the run around regarding the claim for over 4 months due to internal errors made by the bank. Finally, as I was pressuring Synchrony for the date in which the vendor needed to respond - Synchrony favored the vendor, even with a sales receipt of {$0.00} and no other real information on the sales receipt. It was shocking that Synchrony was allowing this to happen. I received no information regarding the dispute - I constantly had to follow up. Had I not followed up I would have missed the payment - Synchrony  never sent me the dispute information and stated that I had payments due. I was treated very poorly by all of the Synchrony representatives, and they were extremely difficult to work with. After all of my effort, receiving no merchandise, Synchrony is saying the charge was valid and I'm currently paying for merchandise I've never received, and never approved to being with. Attached is the sales receipt showing {$0.00} due, my name only, some internal notes, {$0.00} charges, {$0.00} balance. But I'm paying off a {$4200.00} fraudulent charge.
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This account just recently showed up on my credit report. I was not made aware of this company or the amount that they are claiming that I owe. I haven't received any notice in regards to this the company just reported straight to my credit report. This company claims I owe {$1200.00} as of XX/XX/2020 2020
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MN)

On XXXX I was charged two over draft fees. On XXXX I had a positive balance. On XXXX I had No transactions and deposited {$2000.00}. I also got a {$74.00} over draft fee. When I found out on XX/XX/11 I called customer service twice. First after a 50 minute hold. I spoke to an agent for 10 minutes then put me back on hold then was disconnected. Called back and after a 40 minute hold got help for about 30 minutes. She couldnt figure out how to help me before I had to drop. She said she created a ticket and someone would call me today. I confirmed the phone number and disconnected the call. Still have yet to hear back from someone.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX Bank - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. Capital One- XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

My oldest son started school in 2012. At that time, we took out our first Direct Plus loan, and were assigned to Nelnet to service our loan. Since that time, I have been making monthly payments in an attempt to stay on top of my loans ( we took out a new loan every year, to help my son pay for college ). I recently discovered that Nelnet breaks up my payments each month in a way so that they only ever pay interest. Unless I specifically log in and make a manual payment every month, they will continue to do this. Even when I have logged in and made a specific payment towards a specific loan, they still apply all of the payment to the loan 's interest. The only times they have ever applied any payment to principal is when the payment was made within 120 days of the original disbursement of the loan ( which they have to do by law ). Even when payments were made within 120 days of a loan 's second disbursement, they applied it to interest instead of the loan citing that it was more than 120 days from the loan 's original disbursement date. So, even though I 've been paying on these loans for 5 years at this point, I 've hardly paid any principal off at all, as they break up every payment in such a way that it never touches the principal on any loan. I have XXXX children, and I 'd like for them all to be able to go to college, but how am I ever to get out of debt if they never apply any part of any payment I make to the principal of the loan?
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase loan I have been trying to get a yes or no on a question since XX/XX/2020. Very simple but every time I finally get through they don't know the answer, say they are going to forward to somone else, then they disconnect me. 

My husband passed away XX/XX/2020, I just need to know if the re-fi had any type of credit life that would pay off the loan. Very simple question and answer so I can move forward.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with experian, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a XXXX credit score? 
Experian keeps emailing me about credit updates yet my score is XXXX. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (SC)

I received a letter from " XXXX XXXX and XXXX XXXX '' stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XX/XX/XXXX I cancelled my membership in accordance with the membership contract I signed in XX/XX/XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. XXXX XXXX and XXXX XXXX. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise stellar.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I received my Home Depot statement dated XX/XX/XXXX. I noticed 8 unpaid invoices in total amount of {$230.00}. I also noticed 2 unapplied payments dated XX/XX/XXXX in total amount of {$300.00}. My account activity page shows {$130.00} past due for 60-89 days. I called customer service on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve issue. I was not even listened to. I was told that Home Depot did NOT know how to apply my payments, therefore I am late. This is unacceptable. I paid MORE than the total amount due. Received 2 late payment fees and was reported 60 and 90 days late to credit reporting bureaus. Standard accounting procedures dictate that the oldest invoice/charge be credited when payment is applied. Only Home Depot DOES NOT FOLLOW this procedure. I was told I need to sign a form allowing them to make this change for me. XXXX and XXXX DO NOT APPLY payments this way
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (OK)

At the beginning of XXXX I missed a payment ( this was my fault ) due to recent balance transfers and not realizing it was going to start on that day. That was my fault, I called them, and they did a courtesy removal of the late fee. 

I then enrolled in autopay on XXXX XXXX so I could prevent this from happening again. Their system showed I only had a {$2.00} ( yes, XXXX dollars ) payment for XXXX XXXX, and that it would take it out. 

XXXX XXXX came and went and no deduction happened. Again their system charged me a late fee. I manually paid the amount, since I did not want it messed up, while on the phone. However, they refused to remove this late fee even though this error was on them. They refused to acknowledge the error was theirs, saying it takes XXXX6 weeks for autopays to go into effect. 

However, I know for a fact their system was showing it was going to remove this, so yes it was their error. For that matter, in today 's technology, it should not take XXXX6 weeks for something this simple to go into effect. 

I suspect they are doing this on purpose, as the entire balance is a transfer from another card that was supposed to be very low interest, but with the " late payment '' on record they can jack up the interest rate. 

I suspect at this point the refusal to admit their system XXXX up, or maybe even purposely messing up, is done just to get more interest on the balance.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022, I logged on to my Bank of America online account and noticed an additional phone number and email address that are not mine, nor did I add them to the account. On XX/XX/2022, someone added accounts to my existing bank account. I have all alerts set up through BOA, but they did not contact me. The phone number and email were deleted once I called BOA. Since my account had already had fraudulent activity, it is beyond my understanding how BOA could allow an additional phone number ( used for multi-factor authentication ) and email addresses to be added to my online bank account. Upon speaking with the fraud department I was told they do not have any explanation for why this was allowed to happen nor can they protect my account from this happening again, since it appears someone has my social security number and name.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I spoke with IC System on XX/XX/2020 with representative XXXX XXXX and he confirmed that I do not have a XXXX debt with my social security number in their system. This debt does not belong to me.
Consumer complaint received 2021-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX/XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CO)

I HAVE HAD A LOAN WITH WESTLAKE FINANCIAL FOR ABOUT 5 YEARS. ON XX/XX/2022 AT XXXX XXXX  I CALLED INQUIRING TO HAVE A LATE FEE WAVIED, WHICH THEY SAID NO. WHICH IS FINE, MY REASON FOR THE COMPLAINT IS BECAUSE THE REPRESENTIVES AT WESTLAKE LIED AND MISREPRESENTED THEMSELVES AS SUPERVISOR WHEN THEY WERE NOT. WHEN I SPOKE TO THE Representative XXXX I ASKED FOR A SUPERVISOR WHICH HE TRANSFERRED ME TO XXXX EMPOLYEE NUMBER XXXX. XXXX IDENTIFIED HIMSELF AS A SUPERVISOR. LATER IN THE CALL HE TOLD ME HE IN FACT A TEAM LEAD AND XXXX WAS HIS MANAGER. I TOLD HIM THIS DIDNT MAKE SINCE AND AFTER MAKING XXXX TELL ME THE TRUTH WHO WAS WHO, XXXX FINALLY CAME CLEAN AND SAID XXXX WAS JUST A REPRESENTATIVE AND XXXX WAS THE TEAM LEAD. XXXX HESITATED TO GIVE ME HIS DIRECT SUPERVISORS NAME DIRECTLY. AFTER ALMOST 2 HOURS ON THE PHONE I FINALLY GOT A MANAGER, WHO I HOPE IS A MANAGER, XXXX EMPLOYEE NUMBER XXXX AND TOLD HIM OF OUR COMPLAINT. WE CAN NOT COME TO A RESOLUTION.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

There were unauthorized debit card and ATM withdrawals that occurred with my Chase Checking Account. The dates of the unauthorized transactions occurred between the dates of XX/XX/2020 through XX/XX/2020. I contacted Chase on XX/XX/2020, concerning these unauthorized transactions after receiving and reviewing my bank statement on XX/XX/2020. Chase sent a letter to me concerning my inquiry on XX/XX/2020, stating that these transactions were correct and authorized. I contacted Chase to find out why my claim was rejected and they told me based on the facts that I've given which were that I had my debit card on me and didn't share my PIN # with anyone that it must have been me who authorized those transactions. I've attached the letters that Chase sent me detailing the dates and amounts when these unauthorized transactions occurred.