davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

AES/PHEAA recently closed a complaint where they made false accusations against me that they blocked my chat capabilities because they claim that I engaged in " Inappropriate behavior ''. AES/PHEAA has fabricated this and lied. The reality is that their employee was engaging in Inappropriate behavior because they blocked me for asking questions. Why would their Agency unblock me and submit a grievance against the employee if they did not feel it was the fault of that Chat Agent? Whoever responded to this last complaint will also be getting a complaint against them as a result of the false statements made against me. I will also be reaching back out to the Inspector General with a copy of these complaints. I'll be requesting that the IG traces the responder and issue corrective action as a result of this response. The previous response was not appropriate.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

I was a customer with First Horizon Bank. I had XXXX funds in the amount of {$15000.00} that were deposited into my account XX/XX/XXXX, my account was placed on hold, {$15000.00} of those funds were then withdrawn internally the same day. I was asked to provide tax returns to show my business was mine and I did that. Was told there was no exact time frame on when I would here anything or the hold would be lifted from my account. After hearing nothing for a month, I called the bank only to find out that the remaining {$800.00} of the funds had been transferred from my account as well. I was told that all funds had been returned to the XXXX on XXXXOn XX/XX/XXXX, I received communication from XXXX because I had been working with them to have my funds re-issued to a new account. The agent stated that they had never received the funds and to request a letter from the bank stating that the funds were sent back. Called the bank the same day and they were very rude and then told me that my money had been transferred to their corporate security and never sent back to the XXXX and I would have to wait until the branch manager returns from vacation to get an update, mind you anytime I would call or go up there she was never there.
Consumer complaint received 2021-03-25
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. (NC)

In XXXX of 2020, I entered into a deferment with XXXX XXXX for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was XX/XX/XXXX and XX/XX/XXXX I remained in the hospital until XX/XX/XXXX. I was still XX/XX/XXXX and on and off again XX/XX/XXXX. ( documentation provided XXXX. I called XXXX XXXX immediately and told them I couldn't return my vehicle until I was released from XX/XX/XXXX. I was released on XX/XX/2020. I called XXXX and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided XXXX. I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with XXXXXX/XX/XXXX and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being XX/XX/XXXX
Consumer complaint received 2022-01-19
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. (NC)

I never received the purchases I paid for upfront with total of {$1700.00} paid for XX/XX/2021 and I have waited over 2 months for it to come from the XXXX XXXX in XXXX XXXX NC XXXX I contacted SEARS Mastercard Billing Dispute and Fraud Department said I would get a full refund and I have not received the credit back on my account.
Consumer complaint received 2022-07-25
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. (OH)

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.

US DEPT. OF EDUCATION/XXXX  Account Number XXXX XXXX US DEPT. OF EDUCATIONXXXX Account Number XXXX XXXXXXXX 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 an 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 2022-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TX)

My son has his paycheck direct deposited into my serve card account due to the fact that he owes me money and I am helping him learn to control his money. I received an email, which will be attached, from serve card stating that a check from XXXX XXXX of {$2000.00} was deposited today, XX/XX/2022 at XXXX pm. I received another email, also attached, at XXXX stating that my account has been permanently suspended because they believe there was activity that violates their terms of the Consumer User Agreement. I called and spoke to customer service and they would not give me any information as to why my account was suspended other than what is in the email. The only way they will give me any information was if I wrote to them. They refused to give me any access to my money. The representative just kept repeating what was in the email and then he hung up on me. I called back and spoke to another representative who let me explain what I was calling about and he told me to go to the website XXXX. He then said to have the depositor send a letter of indemnity but I'm unclear as to whether they send it to serve card or to XXXX.
Consumer complaint received 2019-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a 1 late payment for investigation for XXXX due to their error. i review my credit report an seen that the account was totally removed and also XXXX points lost. The account was in excellent status. i'm questing that the XXXX account is added back to my account and also would like to have XXXX points redeemed. Clearly it was an error on Transunions behalf. 

Thanks in advance, XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America EDD account, I live in California and somehow someone was able to make several transactions at one time in XXXX completely draining my account. I have reported this to BoA before the payments even posted and Bank of America said they wouldnt call the merchant to block or reverse the transactions and that they needed to post before they could make a fraud claim. It has been two weeks sense i made my claim and boa still has my claim processing and there is no point of contact to reach out to via phone or email to see why its still pending. They are just telling me to wait. And theres nothing they or i can do until it either gets approved or rejected. This edd program is under contract that recipients are supposed to be refunded for fraudulent claims. This bank seems to think if they leave my claim pending that they dont have to reimburse me my money.
Consumer complaint received 2022-06-03
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. (LA)

sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus trans union, XXXX and XXXX. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


Trans Union 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 



XXXX 1. Validate Account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX AM Account Number : XXXX Please remove it from my credit report. 





XXXX 1. Validate Account XXXX XXXX XXXXnkruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLOBAL PAYMENTS DIRECT INC. (DC)

Global Payments Check Services LLC is contacting me in attempt to collect a debt I do not CONSENT to as a Consumer, they have used profane and abusive language by my standards as well as calling me repeatedly at inconvenient times such as work, I have issued them a written affidavit as well as a cease and desist order accompanied with a bill of particulars for each violation. They received this information on XX/XX/2021 via Usps certified mail.
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (WI)

My first contact with DIVERSIFIED ADJUSTMENT SERVICES was bill dated XXXX XXXX XXXX  ( but received on XX/XX/XXXX ) stating I owed {$230.00} to XXXX XXXX XXXX XXXX. That is suspiciously identical to the final payment I had made to the hospital. I contacted the hospital and was told I have no debt with them. 
Phone calls to the number listed go to voice mail. 
I sent a letter to XXXX on XX/XX/XXXX, requesting more info, or a letter stating that there is no debt. 
I have received no further communication from the collection agency.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez ( a debt collector and who handles my mortgage payments ) received two payments on XX/XX/XXXX ( from a closed bank account - I will call XXXX XXXX for {$1100.00} and one on XX/XX/XXXX ( from a new bank account - I will call Bank B XXXX also for {$1100.00}. This was 2 weeks early for a XX/XX/XXXX due date. XXXX account was closed and had a XXXX balance, so the money came back as NSF by NewRez ( which is a XXXX error for not properly closing my account on XX/XX/XXXX in person, as I requested ). XXXX then accidently requested back {$1100.00} from XXXX. XXXX sent the money to XXXX that I had sent to them from Bank B. XXXX now shows a balance of {$1100.00} ( again which should have been closed with a XXXX balance ). 

NewRez knows which financial intuition they are receiving money from. If XXXX requested monies, they can not send monies from Bank B to XXXX. This is fraudulent. 

This has caused a snowball effect or errors, having no monies now for my XXXX payment to NewRez ( from Bank B ). They then applied {$1100.00} XXXX payment ( from Bank B ) to XXXX, {$1100.00} XXXX payment ( from Bank B ) to XXXX. I finally caught it in late XXXX. XXXX has admitted they made several mistakes and a letter stating their mistakes was submitted to Newrez on XX/XX/XXXX. 

I submitted to NewRez several copies of XXXX statements, a XXXX letter, Bank B statement, and an email stating all facts to NewRez. 

I have been to XXXX to correct issues in person and made more than six phone calls to discuss this situation. 

I asked that NewRez reverse all improper late fees and NSF fees that total {$100.00}. I also ask them to reverse the late payment/missed payment that was sent to all credit agencies. This XX/XX/XXXX payment was actually several weeks early ( paid on XX/XX/XXXX ), not late. They have not excepted any responsibility for fraudulently transferring my money to an account it didn't come from. A proper fine should be applied for an improper handling and fraudulent transfer of funds. 

I ask that XXXX also pay me some type of restitution for the hours and hours of work and time I have invested in a problem that was fraudulent and avoidable on their part. They need to cover the NSF fees and late fees that were accessed by NewRez. 
They also need to contact all credit bureaus to ensure this does not effect my credit with any credit reporting agency with improper late payments and missed payments. 

NewRez refuses to reverse any improper charges. And they refused to correct a " late '' payment ( s ) that was reported to all credit agencies. 

XXXX is waiting for NewRez to fix everything. They also have said they cannnot even call NewRez due to privacy laws.
Consumer complaint received 2021-01-25
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 mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.
Consumer complaint received 2021-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I walked into a jewelry store named XXXX in XXXX XXXX XXXX, XXXX. On that day, I purchased four 14-karat solid gold chains from the retailer. The salesman indicated that the jewelry was 14-karat solid gold and also wrote it in print on my receipt. I used my XXXX card ending in # XXXX to purchase the 4, 14-karat solid gold chains for a sale price of {$6500.00}. XX/XX/XXXX I found out that none of the 4 chains were gold. Since XX/XX/XXXX I have been in contacting my card card Capital One regarding my dispute. Capital One did a poor job disputing my case. I was informed by a Capital One employee that they have NOT been in contact with the jewelry store just with the bank. And I have yet to receive all this so called information the merchant is sending that Capital One feels is valid to close my case. I was promised 14kt solid gold for {$6500.00} and I did not receive my promise goods. I was clearly scammed and I have more than enough proof to prove these chains are not gold. Also the statement from the merchant 's bank stating I was sold other items makes no sense. They are lying I have the receipt showing the four items I was sold. I do not understand how my credit card Capital One which I've had since XXXX and Visa don't see the problem. I was sold fake gold, period. I have all the proof and also I was scammed and lost {$6500.00}. The reply from Capital One dated XX/XX/XXXX makes absolutely no sense.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NY)

I am writing to formally dispute two {$5.00} service fees charged to my account o

n XX/XX/XXXX and XX/XX/XXXX, totaling {$10.00}. I received a letter from U.S. Bank sent out on XX/XX/XXXX indicating that my account could be subject to a dormant fee unless I performed one of the following actions to keep it active : Log in to the U.S. Bank Mobile App or online banking. 
Make a deposit or withdrawal. 
Transfer funds between accounts. 
Visit a branch or call 24-hour banking. 
Sign and return the Account Acknowledgment portion of the letter. 

I have met the requirement by logging into my account through the U.S. Bank Mobile App and website in XXXX, XXXX, XXXX, and XX/XX/XXXX. Despite this, I was charged a service fee in both XXXX and XXXX, which is clearly an error. 

I kindly request that U.S. Bank refunds the {$10.00} that was incorrectly charged to my account. Please review my account activity to verify my login history and confirm that the fees were unjustly applied. 

Thank you for addressing this matter promptly. I look forward to your response.
Consumer complaint received 2021-03-25
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: Southwest Credit Systems, L.P. (FL)

Southwest Credit Systems continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Southwest Credit Systems reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Southwest Credit Systems. To that end, I sent a letter to Southwest Credit Systems ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from Southwest Credit System, only to be ignored and/or proving they are unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that Southwest Credit Systems is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
Consumer complaint received 2020-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I graduated from XXXX  school in 2008. I had to have my parents co-sign for my student loans because of my credit at the time. I have 7 personal loans, which were taken one at a time. In the past 3 years, Ive never missed a payment or paid late. In fact, I think that over the 10 year life of these loans, only one payment was ever late. That was because our bill pay got set up late. I took forbearance time after I had babies and was on unpaid maternity leave. At this moment, my credit score is XXXX, and I just bought a XXXX house BY MYSELF with XXXX XXXX. But Navient will not remove my co-signers, despite 10 years of payment history. They have determined that my credit is unsatisfactory. The other thing they said was that my debt was too high. Part of the debt is theirs and other student loans ... XXXX  school wasnt cheap. Come on. But find me ANY late payment on my credit. There are NONE. 

In essence, despite 10 years of excellent payment history, they are holding my parents XXXX. I need help getting my parents released from my debt. There is no actual reason to have co-signers on a loan for a XXXX year old who is making payments on time, is gainfully employment ( I have them documentation of employment ), and has been for years.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The XXXX and the Equifax brought the dawn my credit score 105 and they don't want to remove one hard inquiry that they are reporting! It's really shameful that they are destroying my opportunity for purchasing a car or home and getting a loan. 
I believe they must to remove the wrong information from my credit history now and bring my score back ASAP