davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

From XX/XX/XXXX to XX/XX/XXXX Key Bank charged me 10 overdraft fee 's at the rate of {$38.00} each totaling an amount of  {$380.00}. This amount of charges are in error as all funds for posted transactions were available and I have not overdrawn such account. On XX/XX/XXXX I was charged XXXX dollars for a XXXX ATM Fee which is valid however started the spiral of overdraft fee 's and the unethical practice of fee-ing on a fee. In addition to such Key Bank also used a posting order to negatively impact such account. The amount of {$380.00} should be credited back to the account immediately.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I have sent dispute letters to XXXX, Transunion and XXXX  to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, Transunion and XXXX  for XXXX  XXXX XXXX, XXXX XXXX XXXX  and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.
Consumer complaint received 2023-02-13
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. (NV)

XXXX XXXX account with acct. # XXXX is reporting incorrectly and a duplicate account. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and defamation of my character.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bessine Walterbach, LLP (KS)

I am filing this complaint against Bessine Walterbach , LLP, and it's Agents, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for the following reasons : 1. I was first contacted by Bessine Walterbach , LLP on XX/XX/18 about alleged medical debt from University XXXX XXXX XXXX XXXX, in which Bessine Walterbach , LLP claims to represent themselves as an attorney for University XXXX XXXX XXXX XXXX. 
2. I've requested Proof of Claim on multiple occasions but this debt collector, claiming to be an attorney, has not responded to my requests. 3. Although they have not sent me proof of Claim, now this debt collector is attempting to take me to court and pretend to represent the hospital. 4. This debt collector has had me served at my place of employment, giving the summons to a co-worker of mine, instead of mailing the summons to my home. 5. On the day of court, the case was not on the courts docket. 
6. This debt collector has entered a " Motion to Squash Service '' of summons and asking the judge if they can proceed, due to me not being served after Summons was given to my co-worker.

7. This debt collector has doubled the amount of the alleged debt to more than half of the original balance from {$1900.00} to {$4100.00} plus 0.9906 interest per day.

8. This debt collector keeps mailing me what looks like court motions but has NOT been stamped by the court.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I applied for this card and used it for a couple purchases which added up to around XXXX. The reason I applied is because I know my credit WAS good until they sent that to collections. I had no way to make contact with them at the time. My phone broke trying to find a way out of XXXX. 

I lost everything I owned except what I threw into the car and pickup on the way out of XXXX  Ca. I lived in a XXXX sqft house which a friend of mine owned and he let me rent it cheap. Now I live in an RV park in a XXXX trailer. XXXX XXXX was quite a day, or night. At XXXX it was black as midnight. That's why I got the card in the first place. It was quite an extreme emergency. I have been running into this " kick em when they're down '' cold lack of any goodness whatsoever attitude a lot lately. All I own personally fits in a 5X10 storage unit. 

I have asked 3 times very kindly if they would send me a bill, and all three times they said they would, I haven't received a bill but they're sure tooting the pay us horn in my e mail box. I never signed up for the paperless billing, it must be a default setting. I owe them XXXX and they're eager to send it to collections again! 

I have mentioned this default " paperless billing '' a couple times both in writing and on the phone.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

The debt collector has called family members of mine in attempts to reach me. After this happened I called the company to get in contact with them and prevent further calls to my family. Hours after speaking with the collection agency, another call was placed to my family despite calling the collection agency myself and giving them all of my information personally to call ME. 

The collection agency is Mercantile Adjustment
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CA)

Maximus Education , LLC dba Aidvantage has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return. 


The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) An applicable financial entity has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I logged into my account so I could transfer money to cover a check I had just written. I found that my account was at minus XXXX. I had been overdrawn XXXX and 3 additional charges under {$2.00} each came through along with a sustained overdraft charge of {$30.00}. I was not informed by the bank until after the charge so I couldn't correct it. I also didn't transfer the money for the check because this fee was beyond what I had. I had just received an annual report about protection if charges under {$5.00} come in. I have since received a {$35.00} overdraft fee for the check I couldn't cover because of this ridiculous sustained fee. It appears they are charging me another {$30.00} sustained overdraft fee. This is excessive considering the initial overdraft was less than a dollar.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MA)

I would like to file a complain against my bank, XXXX. 

On XXXX i contacted the bank and explained that an online travel agency with whom Ive made a reservation was trying to scam me. I reached out to them via phone as well as XXXX also emailed the hotel twice. Neither company could confirm my reservation. As this was my vacation, I did not want to take a chance and be told when I arrived in XXXX that they didnt have a reservation. 

I reached out to both the travel agency XXXX and they denied me my money. I reached out to XXXX and got the same response. I then reached out to the bank who never reached out to me. I followed up and spoke with a supervisor on XX/XX/25 and provided detailed information. And also emailed copies of my screenshots. I was then given a provisional refund which in the letter stated I could spend. A few weeks later I received a letter informing me they were denying my claim and would be taking the money out of my account. I contacted the bank just to be told their findings were permanent and I could not file an appeal. If banks are supposed to protect your assets up to $ XXXX and I provided them proof of whatd transpired, I feel the bank is being unfair. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.
Consumer complaint received 2019-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (MI)

Due to XXXX XXXX case vs the XXXX government, I wasnt expecting much towards myself or my loans, then XXXX XXXX or XXXX XXXX sent me a letter removing my loan/balance due to the lawsuit, it was a private loan. So excited about the news called, Fed.Gov who.was very pleasant and helpful, could not give me an answer, but made me feel good about it. Even though that only XXXX had gone towards the balance and XXXX went to interest, they still made me feel like they understood. 
My issue is with XXXX, where I also have a private loan thru XXXX XXXX, would not even look at it or even care about what my view was, I understand, they are a business, but if XXXX XXXX, can see what happened with the lawsuit, why couldn't WellsFargo, look into it and try make an effort. 
Simple request was denied.
Consumer complaint received 2019-07-23
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: HCFS Healthcare Financial Services of TeamHealth (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION SER Account Number XXXX Date Opened XXXX Balance {$640.00} Account Name : ARS ACCOUNT RESOLUTION S Account Number XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened XXXX Balance {$1000.00} Account Name : XXXX XXXX  Account Number XXXX Date Opened XXXX Balance {$2900.00} Account Name : XXXX Account Number XXXX Date Opened XXXX Balance {$13000.00} Account Name : XXXX XXXX   Account Number XXXX Date Opened XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$0.00}
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-07-23
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: Experian Information Solutions Inc. (MO)

XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am one of the tenant in New York, who was looking to sublease my apartment and posted an ad online for roommates. I got in touch with a person who apparently looked genuine ( said originally from XXXX ) and sent a check of XXXX XXXX which is way excessive amount of my rent ( XXXX $ /month ). The person reported that the company she is going to work was sending the check ( that includes rent, her transportation from XXXX, her living expenses as well ). I was so XXXX and XXXX to believe that and deposited the check into my Chase account on XX/XX/19. I was not aware how the check process works in USA ( am an XXXX Citizen ). So I thought, if it gets accepted by bank and I was able to see the funds immediately in my account, felt the check deposited was successful and sent a wire transfer on XX/XX/19 with XXXX $ ( to her friend 's account in XXXX, as she said she did not open bank account in USA yet ). My check deposited got bounced and wire transfer was successful with losing all money. I wasn't sure what to do. I immediately contacted the person whom I am renting to. She said there was some mistake and the company is going to look into it. Meanwhile I contacted my bank ( as it went to negative balance ), they said it was scam which then I realized and tried to proceed with the further process. However the process did not start immediately as my account was in negative and the bank could not help until it is active. The person stopped contacting me after three days of wire transfer. The bank were very helpful and attempted several times to get the wire transfer money bank ( from XXXX XXXX XXXX ) with minimal response. So I want to report if there is anything I have to do to request to get my funds through you. I would really appreciate if you can help me with this. 
Thanks.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I called XX/XX/XXXX trying to find out why I had not received a billing statement for XX/XX/XXXX. My normal billing date is the XXXX of the month, so I should have received a billing statement by XX/XX/XXXX. When I reached out to Mohela regarding the issue, they stated they did not have enough time to update my account so my next payment would be XX/XX/XXXX. I asked the representative about XXXX as I am pursuing PSLF and XXXX would have been my XXXX payment. The representative said that XXXX would not count towards PSLF as I would not have a payment due. They are forcing me to wait until XXXX to make my final payment, even though the extension into XXXX was no fault of my own. I just want to be able to pay my Jaunary payment so I can submit my Employment certification form for the completion of the PSLF program.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, my Citibank credit card account XXXX was charged a " membership fee '' of {$95.00}. I was not aware of that charge nor did Citibank disclose it to me before it was posted to my account. I have never consented to the renewal of this " membership, '' and I have never approved the charge. 

I have not used this card for purchases for several years. Since I do not receive hard or electronic copies of the account statements for this card, I was not aware of and assumed there had not been any activity on this card during 2019. 

The first activity on this account in 2019 was the membership fee. Pursuant to instructions I had submitted more than a year ago, automatic payments of {$25.00} were then debited from my XXXX XXXX bank account on XX/XX/XXXX and XX/XX/XXXX as minimum monthly payments. I received no notice from Citibank that those payments were due or had been made. The only activity on this account in 2019 has been the membership charge and the two automatic payments. 

I have another credit card account with Citibank XXXX XXXX XXXX. On XX/XX/2019, I went online to check the outstanding balance of that account and the date a promotional interest rate would end. When I accessed the Citibank website, I was surprised to see an outstanding balance in account XXXX. I then searched the online statements for that account and discovered the membership charge and the automatic payments. 

I contacted Citibank customer service about the membership fee for an account I had obviously not been using and had no intention of using, and requested that Citibank cancel the charge and refund the amounts that had been automatically debited from my bank account. Although the person I spoke to was polite and seemed sympathetic, she informed me that because the membership fee had posted to my account more than 60 days ago, her supervisor advised her that the fee could not be cancelled or refunded. 

Citibank has mailing and email addresses for me and could have easily informed me of the fee and given me a reasonable opportunity to cancel my " membership. '' I suspect Citibank deliberately fails to ask its customers whether they want to renew these memberships because Citibank knows that, if given the chance, many customers would terminate their memberships. Taking advantage of these automatic renewals is obviously a source of profits for Citibank at the expense of unsuspecting consumers.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In early XXXX, Capital One closed my account and responded that I committed fraud hence the closure, later stating I committed a scam, then that I wanted my account closed, and finally that it was accidental. I was told that the funds would be sent to a state that I no longer lived in, and told Capital One but Capital One claimed it would be sent regardless. I tried to offer my second bank 's routing and account number to receive the funds electronically, but Capital One said it could not be completed once the account closed. 

Around the XXXX of XXXX, I finally got ahold of Capital One, because my phone number was being sent to a voicemail til then. The Capital One admin said that the funds were able to shift to my current address or second account until the day before the call. Capital One claimed it was an accidental miscommunication for not informing me of my options. 

I received funds through XXXX in XXXX that were sent to Capital One after the closure. Capital One said the funds were never received and XXXX provided me with a document to confirm the funds were sent to Capital One. Capital One claimed that any funds would be returned to the sender, XXXX. I later found the funds in an illegal account Capital One created I kept calling till late XXXX for my funds ( I received them in late XXXX ) and then for compensation. I was told by a Capital One member in late XXXX that an account was opened without my consent or knowledge in XXXX. I was given the password and username to this account I did not know existed. Capital One claimed it was opened accidentally. 

Continuous accidental mishaps led me to not afford food or housing when XXXX XXXX XXXX