davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2020 account was unavailable to access funds or manage account. Contacted customer service at XXXX at XXXX XXXX EST to only be disconnected. This is the second time I've had issues with this account under these circumstances. I'm also considered a " preferred client '' with this financial institution. Due to the inconvenience of my not being able to access my account or speak with a trade desk representative, I was unable to properly manage my account and execute an investment trade today resulting in loss of financial gain. I wish to seek compensation. Access to account was unavailable both mobile and desktop applications.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2020 I attempted to access my brokerage account to manage, was denied access both mobile and online via desktop, contacted via phone. Call 's were disconnected and no customer service or explanation was provided. I am also considered a " preferred client '' with this financial provider. Unacceptable.
Consumer complaint received 2021-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (ME)

I have 3 student loans with Sallie Mae and they are mishandling all of my information and payments. I can not afford the absurdly high payments they are requesting due to being unemployed and having an incredible amount of difficulty finding a job. On XXXX XXXX Sallie Mae and myself reached an agreement for a reduced payment plan for the amount of {$510.00} every month, which is a HUGE amount considering my income is XXXX. On the XXXX of XX/XX/XXXX, the XXXX of XX/XX/XXXX, and XX/XX/XXXX the amount of {$510.00} Was withdrawn from my personal checking account. I made the three qualifying payments for this payment reduction plan and they negated it. Sallie Mae and their inability to realize they entered a contract with me by withdrawing the agreed upon amount on 3 separate occasions, decided those payments didnt count for anything and Sallie Mae proceeded to put me in delinquency as well as my co-signer and caused both of us to have our credit negatively impacted. Sallie Mae claimed I was denied for the reduced payment plan on XX/XX/XXXX and said our agreement was void. I submitted a complaint to CFPB on XX/XX/XXXX and Sallie Mae responded admitting fault in the sense that they never communicated with me that we, my co-signer and I, were denied the reduced payment plan and still proceeded with withdrawals. I tried to talk to Sallie Maes Office of the Customer Advocate, but the employee would not let me record his voice so I had concrete evidence of an agreement. That went nowhere, but Sallie Mae decided to enroll me in a plan I DID NOT agree too on XX/XX/XXXX and completed a withdrawal of {$510.00} on XXXX XXXXthat was NOT authorized or agreed upon. So essentially, Sallie Mae stole {$510.00} from me. They are now attempting to withdraw XXXX on XX/XX/XXXX. This is way too high of a payment and I would not have agreed to this enormous amount. The agreement that granted Sallie Mae access to my checking account was for the amount {$510.00}, and they themselves said that agreement was void or negated on XX/XX/XXXX. They no longer had my permission to withdraw any money from that account, but proceeded to do so anyways and now come XXXX XXXX they are going to steal {$730.00} from me. If I didnt qualify for the payment reduction program, then Sallie Mae should have NEVER accessed my personal checking account and ESPECIALLY should not have made any further withdrawals after XX/XX/XXXX because I never gave written or oral consent for them to withdraw anything other than the agreed upon amount on XX/XX/XXXX. Sallie Mae as accessed my personal checking account illegally. I NEVER talked to Sallie Mae and agreed on their new version of the payment reduction plan and there is no agreement anywhere, in writing, electronically, orally, or otherwise. I know I owe student loans to Sallie Mae, but I am having a very hard time doing business with this shady lender. There is absolutely NO trust and this business relationship is irreparably damaged.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

I opened an account with Citibank online in a completely legitimate way using a coupon code I received from a friend. I promptly transferred my funds to them last week ( XX/XX/2021 ) however today I was notified that my account was closed and they are severing the relationship with me completely without a reason. Furthermore, I have already transferred a significant amount of money ( {$30000.00} ) to their account which they are refusing to let me withdraw without having my debit card, which they haven't sent me yet. I am unable to function on a day-to-day basis without this money ( I sent them all of the savings belonging directly to me ) and they are asking me to wait up to 60 days!
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XX/XX/2020. i made an attempt to transfer {$400.00} to a company in XXXX from a branch of Citizens bank at XXXX XXXX XXXX XXXX, XXXX, PA. 
I was told the bank 's charge is {$40.00} and since the money was going through another intermediary bank ( XXXX XXXX ), i made the transfer {$410.00} in order to account for the charges by the intermediary bank so that the final recipient will receive {$400.00} because that is the minimum transfer i can make in order to qualify for the deal i was looking for. 
One later, i got informed that the recipient got {$380.00} instead of the {$400.00} and because of which i lost the deal i was to make. 
When i complained to citizens bank, they told XXXX XXXX XXXX got an amount from the transaction and that made me to lose my deal. 
I have no other option than to recall my money which will cost {$50.00} and citizens bank ready to charge another {$12.00} for me to receive the money. 
I want a refund for the {$40.00} citizens bank charge me as well as {$12.00} they will charge for the refund.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mortgage is currently serviced by Bank of America ( B of A ). It is a loan backed by XXXX XXXX  and is currently delinquent. On many occasions, I have sought loss mitigation efforts with XXXX and contacted their loss mitigation department regarding the same. B of A has refused to process my loan modification and issue clear underwriting determinations. Per XXXX regulation 24 CFR 203.604,  contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to XXXX. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

After B of A started the loan modification process they transferred the debt to XXXX. XXXX has advised that B of A did not send over notification that the loan modification was in process. This action is a clear violation of CFPB law. Since XXXX is now proceeding with foreclosure action, I am seeking your assistance on this matter.
Consumer complaint received 2020-09-03
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (AR)

Documentation from the lender was sent over to get signed and authorized for an extension to pay the monthly bill due to COVID-19 relief. 

The document was signed on XX/XX/2020, and returned to the lender. 

Per the document the following months were going to be extended : XX/XX/2020 XX/XX/2020 A few months later the lender reported to the credit bereaus that there was a missed payment for the month of XX/XX/2020 affecting my credit to drop several points. 

I sent the lender a letter to dispute the reported information, but did not hear back, so I submitted a Transition dispute, but nothing got resolved unfortunately. 

At this point the payment has been on time.
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Consumer complaint received 2020-09-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

on XX/XX/2020 i received a renewal notice of my CD without ever being notified it was up for renewal on XX/XX/2020. I always receive written notice and phone calls from my banks when my accounts are maturing or if there is no activity, but I received neither from Onewest bank. I went to the local branch in XXXX XXXX XXXX XXXX, XXXX XXXX to correct this unauthorized renewal, but the manager said nothing could be done and the CD would remain fixed as is. I reminded them other mistakes were made by their bank and consideration for this latest mistake should be taken, but the response was the CD would remain as is.
Consumer complaint received 2020-09-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XX/XX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KS)

PayPal limited my account for selling my personal items and keeping my money. I did contact requesting a reason and was told they do not have to say. 
On XXXX and XXXX I made a sale of some of my sports items With two different people. I am an Avid sports collector and have multiple items. I decided to sell for financial reasons with the craziness of last year. On XXXX I received a notification via email from PayPal stating I can no longer use services. On XXXX the first buyer received his stuff. On XX/XX/XXXX the second buyer received his stuff. I have proof of delivery along with all tracking info as well as pictures of items sent. Both parties states items received. These items were new unopened boxes. I reached out to pay pal via phone on XX/XX/XXXX as well as messenger on XX/XX/XXXX. Another call was placed on XX/XX/XXXX. I requested several times for a reason regarding my limitation as well as a reason for holding my money. They refuse to tell me. Their response to me on messenger was " they can not share the exact details behind the decision '' but I should trust that they have made the decision after careful review. It also stated they need to hold my funds for 180 days in case of any chargebacks. Really? When speaking to XXXX a PayPal representative on the phone on XX/XX/XXXX I was told a different department handles the limitations. I asked if I could please contact that department and was told no they do not take phone calls and no way to reach them. She told me there was nothing more I can do except wait 180 days and all she could do was note my account. I have read through the terms and agreement as well as the acceptable use policy I have violated NOTHING!! I have read others complaints that say PayPal often never releases their money and charges them over damages of their policy. From a company that so many trust yet should not. I expected more. I feel that if someone is holding my funds I at least deserve a legitimate reason as to why as well as being able to contact the ones who are responsible for this. This company is a scam at its best as well as poor customer service. I do not wish to ever do any business with PayPal again but I do want my money that is rightfully mine. I do have every intention of sharing my story with as many as possible in hopes that they are not the next PayPal chargebacks fraud victim so they can steal peoples money. 
Account ID : XXXX ****I have called twice now only to be told the departure that is making the decision regarding my own money has no contact information. I am told I just have to wait and see. I have sent messages via messenger and was told they can not tell me why they chose to limit my account. Attached is a screen shot of that response from the company. 
I have also reached out to the XXXX in hopes for some contact with nothing. 
Please help.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (WY)

On XX/XX/2021 I made a normal loan payment to Wells Fargo bank of XXXX. 

On XX/XX/2021 the loan through Wells Fargo bank was paid in full by XXXX XXXX group. 
On XX/XX/2021 Wells Fargo charged me XXXX for interest for the paid off account. I paid the payment to ensure no late fee or bad report on my credit assuming Wells Fargo would correct their mistake. 

On XX/XX/2021 I reached out to Wells Fargo requesting a refund of my credit balance as well as the interest charged. I was told the money would go back to the account that I made the payment from ( XXXX ) I've made several phone calls and never allowed to speak with a supervisor to resolve this issue. I was told to talk with XXXX for a refund however XXXX did not make the payment, I did. 

I received the XXXX credit via check from wells Fargo but they still refuse to refund my XXXX stating they are investigating. 

I only made the payments to remain in good standing. Wells Fargo sent a letter stating they had 10 days. It is past their own deadline and now they are saying they have extended the time. I just want my money back.
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. 
- The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX