davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Over a year ago now Charles Schwab restricted access to my account that I use for personal and business where they blocked my online access to my checking account where I have over {$15000.00} in funds. These are proceeds from my XXXX sales account. XXXX XXXX from Charles Schwab personally placed a restriction on the account and none of the bank associates during the 10+ calls was able to assist me resolving the issue and XXXX XXXX does not answer his phone or several emails that I sent him. I need assistance in getting access to my funds and account. 
Checking account number : XXXX Routing number XXXX person responsible for the issue is XXXX XXXX his email is XXXX his direct phone number that he never ever answers is XXXX
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

To Whom It May Concern : I am writing to file a complaint against KeyBank for their failure to provide adequate notice regarding why my funds were being held and their failure to assist me in accessing my funds in a timely manner. As a result of their actions, I have experienced significant inconvenience and financial hardship. 

On XX/XX/XXXX at XXXX XXXX, I deposited a settlement check ( XXXX XXXX ) payout from my attorney 's XXXX bank account at the Key Bank branch in XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Ny . The teller informed me that funds would not be available immediately but possibly 24 to 48 hours. {$100.00} was made available by XX/XX/XXXX at XXXX XXXX., but it was no longer available by midnight on XX/XX/XXXX. 

When I contacted KeyBank customer service, the representative found no notations on the account or listed reasons for the lack of availability. When I went to the KeyBank branch in person, they told me that nothing could be done to make the funds available. I requested to speak to a manager and was given a phone call to speak to XXXX who worked in the XXXX Department. XXXX stated that the funds were on hold due to fraudulent precautions, but no attempts were made to rectify, assist, or expedite in any way the clearance of the check. XXXX did not provide his full name and did not show any concerns for my urgent matter. 

Following the conversation with XXXX, I was emailed a notice from the bank that seemed discriminatory and was not provided despite multiple requests for answers. 

I believe KeyBank failed to provide adequate notice to me regarding why my funds were being held and failed to assist me in accessing my funds in a timely manner. As a result, I have experienced significant inconvenience and financial hardship.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (GA)

I obtained a credit building loan through XXXX, who immediately gave me {$2000.00} and kept {$3000.00} in a " secured savings '' until I paid off the loan. They then sold the loan to Systems and Services Technologies , Inc. I paid off the loan on XX/XX/2023 and it has a message stating : " Recently paid off loan? Please allow up to 15 business days for account closure, and then you will be able to transfer funds from this website. '' It has been 21 days and still I am not able to transfer my funds into my account. I have called numerous times and each time I am given a different answer. This is the number they give you to call : XXXX. When I give them my account number, it goes through an automated prompt and then shuts off. I have also emailed them numerous times ( XXXX ) and I get an autoresponse stating to call them. 
After paying off the loan on XX/XX/2023, they still deducted a payment of {$80.00} from my bank account, which threw all of my other payments off and caused several NSF charges and payments to be denied. They did refund the {$80.00}, but have not transferred my secured savings of {$3000.00} into my account. 
The first time I called in, the representative stated she could see where I paid off the loan and to wait a couple of hours for the closure to show up on the website. I did so, there was a " click here '' button to request transfer of funds. I went through all the motions and at the end, once I clicked " I agree '' there was an error message due to account status. I made a few more calls to SST. I was told to wait exactly 15 days. I did so, and when I called in again, I was told that there was going to be an email sent stating my account was closed and a link to request transfer of funds. 
I have yet to receive said email. 
I feel they have been very misleading and negligent in dealing with my account. Their message stated up to 15 days, not after. I signed an agreement with XXXX which made no mention of a 15 day period to receive my funds, I signed no such agreement with SST..
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

I had applied for the loan to complete a XXXX program XXXX at XXXX University XXXX changed names to XXXX XXXX University, XXXX, Wyoming, XXXX. The school closed in XXXX XXXX. I went to withdrawal in XXXX XXXX but decided because I had already paid for my degree that I no longer wish to withdrawal. I received an email stating that I was withdrawan and when I asked to be reinstated they told me The University 's Board of Trustees decided last week to not enroll Inactive students and to focus the University 's resources on current, Active students. I reported them and tried to be reinstated to find out they were a complete fraud. In order to attend the school you had to pay for your degree up front in full. In order for me to do this they provide student aid services which sent me to XXXX XXXX XXXX now Navient XXXX to fund my school loan. They did and I paid for my schooling up front, which should have caught my attention, but I have been paying on this loan since XXXX for a degree I was never allowed to finish, would n't have been valid, have paid thousands out of my pocket and now I 'm still in debt thanks to this. I was n't informed of any lawsuits that were filed against the school to help some of us get our money back. Unfortuniately for me because it was n't a federal loan I do n't qualify for a discharge and I have tried talking to my loan servicer about this and I get no responses from them. I am just trying not to pay for something I did n't get. If it was a credit card or checking account I could dispute the charge but this loan there is no one to help me dispute it. The school was a fraud and this loan was paid to them. Why should I pay for something that was a fraud.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tenant Data Services Inc (NE)

on XX/XX/XXXX Tenant Data Services did a background screening report on myself as I was applying for a rental home. On this report It pulled an Eviction judgement that keeps appearing on my report that should not be showing at all. The file date of this judgement is XX/XX/XXXX The name is XXXX XXXX. Filed XXXX XXXX bankruptcy and this was included in this bankruptcy at this time and should not be appearing on my background report as all debts were cleared on this debtor. I have disputed with the agencies each time a tenant report is ran and they clear the report each time but when it is run again this eviction keeps then appearing back on the report. I have the reports showing they cleared the item after investigation but want the item permanently removed from my report so when the tenant report is pulled initially it comes back clear.
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

This debt was not added to my credit report until XX/XX/XXXX. However, this collection agency apparently purchased the right to collect this debt in XXXX of XXXX. In addition, I never received an itemized statement from the original creditor to know of this bill before it became a collection. I have received multiple calls from this collection agency in which they did not speak on the line at all and just hung up immediately after I answered. These calls occurred from XXXX  XXXX XXXX  In my letter to the agency, I also requested information regarding their Registered Agent for Service of Process. I have never spoken with an actual person from this collection agency and have only received voicemails of how to pay online. In addition, they have also began adding interest to the debt as it originally was XXXX but is currently sitting at XXXX with no reason provided by the collection agency at all. At the time of the letters creation, the debt was at XXXX.
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

I received a check for {$2700.00} for work that I had done online for XXXX XXXX. I deposited the check on Friday XXXX and some of the funds were available immediately. The remaining funds were to be made available today. The remaining money was placed in to my account this afternoon and then removed because a stop payment had been placed on the check. The money was already in my account and the check should not have been available for stop payment. I would like my funds returned to my account immediately. I am really upset with these financial institutions dealing with my money any way that they want to. I need help and protection. This is the XXXX time I have had an issue with a bank this year and have had to escalate it to this point.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC (GA)

We have been paying this loan for a year now and still have the same balance as we did when we began! We understand that there is interest but it seems grossly unfair that none of the payments we made have been applied to the principal. We got this loan during a very rough time and were told later that it is not really a " loan '' but a " pawn ''. We seek justice in this matter and would like to be released from this " pawn '' and for the debt to be considered satisfied as we have paid the loan off more than twice.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 Section 602 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STERLING JEWELERS, INC. (RI)

I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved
Consumer complaint received 2017-02-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Exeter Finance, LLC. (PA)

I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
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. (CA)

2 accounts were paid in full and promised to be removed from credit report. 

XXXX, transunion, XXXX still report and side with creditors, been 3 years since balance has been paid but still shows collections
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (VA)

I applied for a specialized mortgage product with SunTrust bank, with specified costs for borrowing, including discount points and a 30 year fixed interest rate. Days before closing, I was informed that my loan product was changed, but that the costs were the same, with no additional fees or change in interest rate, and that the original disclosure included all associated costs. I agreed to the change under the explicit terms of the original loan costs. The change in loan product turned out to be secondary to the processing and underwriting departments making an error in interpreting my qualifications for the original loan product. The night before closing, I discovered that an additional 0.5 % discount points had been added to the loan, and that {$500.00} in lender credits had been removed from the closing costs, without any additional disclosure to me, either written or verbal. When I questioned the changes, I was given by the loan officer a choice of either accepting the additional costs, which amounted to {$5000.00}, or they could resubmit my loan, from scratch, as the original product, the processing of which may or may not have been completed by the expiration of my rate lock, which was 3 business days later, and that the current rate was approximately 1 % higher than my locked rate. I feel that the loan officer and the processing/underwriting departments, whether intentionally or unintentionally, defrauded me for over {$5000.00}, and put me in a position of either accepting the additional undisclosed fees, or risk a substantially higher interest cost over the lifetime of the loan.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account Numbe XXXX XXXX XXXX on XX/XX/XXXX I wrote a letter to capital one regarding a charge I disputed. Never heard nothing back then wasnt to sure what to do but was told I had to XX/XX/XXXX to pay the amount that was overdrawn and prevent it from being closed. When I tried to use my Online account to transfer fund I logged in online to see that the account was already closed on the day of the XX/XX/XXXX. 
By then I was more concerned with being reported to the credit bureaus and XXXX XXXX XXXX. So when I called the week before I said I would make a payment on XX/XX/XXXX but when I went to the branch they where having issues or the power was out something to that effect. 

As the collections department they where already closed I knew before when I called I had until XX/XX/XXXX from my speaking to the agent in the collections department to bring the account positive and when I tried to that day it was already closed when I tried using the ATM card at XXXX to load funds on the account using a XXXX XXXX XXXX for XXXX so I called back and asked what I had to do. Said pay the overdrawn balance which I did by phone on XX/XX/XXXX. But the representative told me that you need to call a few days before the account closure date to prevent from it closing. I was not told that the first time I called. I was told the first time I had until the end of the business day on XX/XX/XXXX to prevent from the account closing and being charged off. 

So on XX/XX/XXXX I made a payment via check by phone to clear up the balance and then reopen a new checking account. I was told after you pay this you would be get a for a new account.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AR)

WELLS FARGO BANK FROZE MY MULTIPLE ACCOUNTS ON XX/XX/XXXX. WELLS FARGO BANK THEN PROCEEDED TO CLOSE MY ACCOUNT ON XX/XX/XXXX WITH NO EXPLANATION BEYOND A PARROTTED ROBOTIC RESPONSE TEMPLATE. WELLS FARGO HAS MADE IT IMPOSSIBLE FOR ME TO EVER BE IN A POSITION TO OPEN ANOTHER CHECKING ACCOUNT, OR ANY ACCOUNT FOR THAT MATTER, WITH WELLS FARGO AGAIN. AFTER RECEIVING AN ACH DEPOSIT FROM A COMPANY IN WHICH I WAS DOING BUSINESS WITH, THE COMPANY, XXXX, THEN TURNED PERFORMED AN ACH RECALL DUE TO A FALSE ALARM. THE COMPANY CONFIRMED THE BUSINESS ACTIVITY AS LEGITIMATE YET WELLS FARGO HAS CONTINUED TO CONDEMN ME AFTER BEING A LOYAL AND FORTHRIGHT CUSTOMER FOR OVER 7 YEARS AT THAT TIME. WELLS FARGO IS BEING EXTREMELY VAGUE AND PASSIVE-AGGRESSIVE WHILE LEAVING ME IN THE DARK IN REGARD TO THIS MATTER. ALL PHONE CALLS HAVE BEEN UNSUCCESSFUL.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.