davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-09
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)

After honorably retiring from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a XXXX XXXX. A fee for each step XXXX, XXXX  and then XXXX, highest was required for best possible position for earning big commissions. The opening of the CiTi-credit card- XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for XXXX membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. XXXX XXXX as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) thousands of others effected. Close to an overall of {$110000.00} invested and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX I opened a VISA credit card with TD Bank as part of a promotion. The promotion involved receiving {$25.00} dollars in credit after making a purchase. After using the card to purchase approximately {$300.00} in the first month, I received a billing statement that did not include a {$25.00} credit. I called TD Bank customer service on or about XX/XX/2018 and they directed us to visit the local branch for assistance in receiving the credit. The banker at the branch tried to correct any errors and assured us the credit would be coming in the next statement. The XXXX statement came and no credit was issued. I called customer service again on or about XX/XX/XXXX, and they told me that they would issue a credit in 5 business days. I checked my account on XX/XX/XXXX and the credit was still not issued. 
I called customer service on XX/XX/XXXX and they have still not been able to resolve the problem.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (MD)

On XX/XX/XXXX, I spent the afternoon managing my fairly new checking account with First Tech FCU. This included depositing checks through mobile app, attaching other financial products through ACH such as XXXX, etc. While at dinner that night, I got an email from an address called XXXX that read : " Due to deposit and/or withdrawal activity that has been deemed suspicious or fraudulent, your account ( s ) and all access including, but not limited to : online banking, shared branching, ATM/Debit card, P2P, etc. have been suspended. At this time your account activity is being reviewed by the Fraud Management department and account access will not be re-established. 

The final determination on your account ( s ) will be communicated, via letter, at the conclusion of our investigation which can take up to sixty ( 60 ) days to complete. Do not contact the Call Center or attempt to reach First Tech by other means, as no updates will be provided until the conclusion of our investigation. Please keep in mind that if there is any activity that results in a negative balance, your account ( s ) would be forwarded to our Collections department in XXXX XXXX XXXXt for further follow up. 

Please do not reply to this message. Replies to this message are routed to an unmonitored mailbox and/or deemed undeliverable. 

Fraud Management First Tech Federal Credit Union '' It has been three weeks, and I've contacted the Credit Union multiple times with zero answers just as the email has said. My direct deposit won't go into that account anymore. My credit cards and rent can not be paid using that checking account anymore. 

It is absurd that First Tech does not allow their Fraud Management department to be reached by consumers, as nearly every other financial institution will call you immediately to discuss anything suspicious or fraudulent in a heartbeat and resolve the situation fast. This policy is very anti-consumer, and can lead to financial disasters like what I'm experiencing now. While I have a little bit of money in another checking account with a different institution, the majority of my money is in First Tech. They are holding my money hostage with zero explanation and I need it to pay my bills and live my life!
Consumer complaint received 2022-04-26
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: Maximus Federal Services, Inc. (VA)

I filed a dispute on my student loans ( AidVantage ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called AidVantage they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from AidVantage that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/18 Capital One 360 allowed an online unauthorized debit card payment to XXXX in the amount of {$2400.00}, overdrafting a checking account that was not opted in for any overdraft agreement between myself and CapitalOne360. I disputed the item as fraudulent and was given the disputed amount back on XX/XX/18. On XX/XX/18 CapitalOne360 reversed the credit again unlawfully overdrawing the checking account to {$2400.00}. On XX/XX/18 I disputed the unauthorized amount again as fraudulent and was told I may or may not be allowed to dispute a second time. I inquired about my having never opted in to overdrafts on the account in the first place and the representative would not appropriately answer my questions and only preferred to confuse the situation by not looking back to the original overdraft date of XX/XX/18. This overdraft was not only fraudulent but was unlawfully taken on an account not secured by overdraft protection agreement and also surpassed the daily threshold amount on ACH payments regarding online debit payments for a simple checking account without any regard for contract or statutory legal limitations.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (TN)

My credit score in Equifax is not reported. 


This is a formal complaint against Equifax. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and incomplete information about me to potential creditors. 

I have been trying to resolve this problem since last year. I am not sure what the problem is, I have sent this company a letter multiple times to dispute this incorrect or incomplete reporting. Every time I log in to my credit monitoring, I do not see my credit score and all of the accounts under Equifax reported. I have attached all of the letters I have sent to this credit bureau as proof that I did what I had to do to fix this issue once and for all because I am trying to get approved for service.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

The mortgage has an escrow account to pay insurance and property taxes. Our account is in good standing and yet the property taxes are unpaid. We received notice in the mail about unpaid taxes- {$7300.00}. Loan was sold so we had to " wait '' for new servicer. Called them on the day the account transferred XX/XX/XXXX. They said call back in 3 business days. Called back on XXXX was told to email over the unpaid tax bill and they'd take care of it and would let me know that it had been. They needed 72 hours to handle. Checked county records still not paid. Called again on XX/XX/XXXX, was told the check would be cut by XX/XX/XXXX. They would cover the penalty of {$730.00}. As of XX/XX/XXXX still no check cut and taxes are still unpaid. The first round of taxes was due XX/XX/XXXX, second round was XX/XX/XXXX. Both at unpaid as of XX/XX/XXXX.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NC)

I opened up a new checking and savings account with Citibank in XX/XX/XXXX through a promotion that would pay a bonus of {$400.00} if I maintained {$15000.00} across the two accounts. I deposited the required amount of funds into the savings account and maintained the balance for the length of time required by the promotion ( in fact, the {$15000.00} is still in my savings account to this day ). In XX/XX/XXXX, Citibank closed my checking account without my knowledge. 

When I inquired about payment of the promotional bonus, I received the following message from Citibank : " We show that Checking account number # XXXX was closed on XX/XX/XXXX ; therefore, the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX. '' I spoke to two different Citibank supervisors via the CitiPhone line, who both assured me as the checking account was closed by Citibank without my knowledge, that I was entitled to the promotional bonus as I had kept the full {$15000.00} in my savings accounts as required by the promotion. They both promised that I would receive the {$400.00} within 10-14 days. However, in both cases, I received a letter from Citibank denying that I was owed the bonus. My last contact with a manager was on XX/XX/XXXX at approximately XXXX ET. 

Citibank has acted fraudulently and in bad faith in this situation as the reason they are now denying my bonus was due to an action that they took unilaterally. Further, they still had access to my {$15000.00} during this entire time.
Consumer complaint received 2018-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

In 2009 I graduated with my XXXX XXXX in XXXX XXXX putting me at around {$42000.00} in student loan debt. I contacted my student loan servicer, Navient then Sallie Mae, via telephone regarding loan repayment plan and loan forgiveness as I qualify based on my employment. I asked specifically what I needed to do to initiate the 10 years of payments to qualify for loan forgiveness. The loan servicer stated that all I needed to do was start making payments and show proof of qualifying employment. The servicer reported that at ten years of active payments I just had to apply for loan forgiveness. I was informed the sliding scale payment option would be acceptable ( payments start out low then slowly increase as time goes by ). At no time did they state I needed to apply for the income driven repayment plan and had to switch my loan to a Direct Loan in order for the payments to qualify. All the while, anytime I changed jobs I submitted qualifying loan forgiveness employment proof to my loan servicer specifically showing my intentions to request loan forgiveness. Seven years later I contacted my loan servicer to submit updated proof of qualifying employment as I changed jobs, all the while actively making payments towards my loan in accordance to what my loan servicer had instructed. At that time I checked with Navient on what the process looked like for when I actually needed to apply for loan forgiveness. That was the first time I received information from my loan servicer that I had no qualifying payments, needed to switch to an income driven repayment plan, and switch my current federal loan to a Federal Direct Loan before I could start making qualifying payments. Seven years of responsible consistent payments were not counted towards loan forgiveness based on the misinformation provided to me by my loan servicer even though the amount I was paying monthly was similar to what loan forgiveness qualifying payments would have looked like. I attempted to reconcile this issue with Navient, as the company was aware of my intentions for loan forgiveness based on my initial request as well as ongoing submissions of proof of qualifying employment for loan forgiveness. Navient stated there is nothing can do and refused to make things right.
Consumer complaint received 2018-12-09
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: Innovis (AR)

INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX  HARD INQUIRY ON XXXX HAS BE DELETED
Consumer complaint received 2018-12-09
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: Innovis (AR)

INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX HARD INQUIRY ON XXXX  HAS BE DELETED
Consumer complaint received 2018-12-09
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2018 my checking account was fraudulently used. I did not know until my mother tried to use her card and found that the account had a freeze on it. My mother 's account was affected also because we shared accounts. We went into our local Navy Federal Credit Union to find out why and was told that no one can discuss anything about the account and that it was under investigation and was given a print out of my transactions. The print out showed how someone deposited over {$5000.00} into my account from another person 's account and then withdrawn at XXXX supermarket by way of money orders. The bank rep gave use a business card with a phone number and a name ( XXXX ) and said to call the security dept. only they will speak to you. This led to the worst experience ever. The person I spoke with would not give me any information and did not really know who XXXX was. I called, my mother called multiple times. The only thing they said is that security does not speak directly to anyone and that this investigation would take 15 days. I continued to call for the next 3 days trying to communicate with the bank. I told them that I'm a XXXX XXXX XXXX  and that my payroll check will be deposited into that account in a couple days and I needed that money for school. Again no one would speak to me. On XX/XX/2018 I tried to log on to my account and I could finally get into it and there it was over {$4500.00} in the NEGATIVE and they had applied my pay check to the negative. I called the bank and someone told me that the investigation was done and that I'm at fault. Every dime I worked for GONE! plus I owe them over {$4500.00} according to them. This is wrong. I had nothing to do with what happened. They never called to speak to me, they never interviewed me or mom ( whose account was also frozen ) they came up with a decision in 72 hours! Who did they talk too? wheres the video of the people purchasing the money orders? This could be an inside job. I don't deserve this. I'm only XXXX years old, I work and in college. I want my money BACK and account cleared.
Consumer complaint received 2018-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Usaa still has not contacted me from the first complaint I file and also they are still reporting miss payment to the credit bureau and its affecting my scores this loan was paid down because usaa sold the car and I never got a chance to get property out of the car that I had in there but every two I get a email from credit bureaU that i have a new missed payment I dont know what usaa is trying to do threaten to try and take my tax return.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

My Fico score is innacurately showing XXXX. It was XXXX last month. My FICO score should be in the high 700 's. Experian has been showing innacurate info for years without explanation.They are criminally and falsely reporting on my credit report. I will be involved in the class action lawsuit against them if this isnt resolved A.S.A.P. XXXX  acurately has my score at XXXX and XXXX at XXXX. There needs to be an intelligent explanation, not an equivocal one, expalaining their discrepancies.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to Transunion ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( only reported to Transunion ), and XXXX XXXX XXXX XXXXXXXX reported to ( Transunion & XXXX ) has violated my rights XXXX 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 an account without my written instructions.
Consumer complaint received 2018-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (LA)

On XX/XX/2018, I starter receiving calls from Diversified Consultants and the representative was XXXX XXXX from phone number ( XXXX ) XXXX stating about a debt that they claimed I owe for a XXXX bill that I never had in my name. However, I sent in a verfication letter from them that same day inquiring about the bill and requested that they send me something with my valid signature proving that I had some type of legal ties to them via certified letter. In receiving the letter, they sent me a bill which still to this day havent provided me with valid signature. Considering that this business does not have a contract with me for goods or services, nor have they provided me adequate proof therefore I am not obligated to pay this debt.