davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I made a mobile deposit of a check i/a/o a little over {$3000.00} in a Wells Fargo checking account . WF posted the amount, immediately allowed {$400.00} available and promised to release the remaining amount on XX/XX/2023. That never happened. On XX/XX/2023 they flagged the deposit as fraudulent, put a hold on the entire amount of the check that was already posted which caused the account to have a negative balance and threatened to close the account by the end of the month. WF won't release the funds until XX/XX/2023 and then they will close the account on XX/XX/2023. By that time the entire amount of the deposit will probably be spent on overdraft fees which will end up going to WF. I spoke to following to try to resolve the issue : someone on the phone in Claims, someone in person at a bank branch, someone on the phone in customer service, someone on the phone in the dept. that puts holds on checks being deposited. Nothing has been resolved and I have no money for groceries and I can't pay my utilities which will probably be cut off. The check deposited is from a trust account and is guaranteed to clear. The money had been posted but no available. The account is in the negative of over {$300.00} because of the last minute change made by Wells Fargo.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NV)

I am filing a complaint for an on going issue with Equifax. I have already tried disputing these issues, with no success. They have taken my information and combined it with another women 's information. We are two different individuals, we live in different states, our first name 's are similar but spelled different. It's our last names that really construed everything. Her last name by birth is one that I received in my first marriage back in XXXX which is when our issues both started. I need the Equifax Credit Bureau to do their job correctly. Right now I am unable to use my credit. No loan provider will touch my credit. Due to all the miss information that is there. When an issue like this arises and it causes devastating affects on my Family. I take that extremely personal. I have already been through this with XXXX  who fixed their stuff back in XXXX which took a bit. Also I'm going through this this right with XXXX. I have provided these credit bureaus with all the correct documentation to prove my identity. Yet still they wish to argue and destroy people/ families lives. Please help me Consumer Federal Protection Bureau restore my credit with the correct information ; Thank you.
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (SC)

I got XXXX statements form The CBE group saying I owed money to the us department of the treasury. I have no idea or clue to what this is for. I receive my medications from the XXXX XXXXXXXX and I pay my balance online to gov.pay. All my taxes are paid and current. Thank you, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (LA)

I opened an account with Truist Bank in XX/XX/XXXX. I tried to cash my payroll check, which came from my place of employment in XX/XX/XXXX. I had to wait for the check to clear which was fine. Then after the check cleared I was told that the check set off some type of fraudulent activity and the funds can not be released. I have tried to show them proof of who I was by traveling 6 hours to the nearest branch and nothing. They told me to contact my jobs HR Department to see about getting the check recalled, which the check is in the amount {$1400.00}. My HR department contacted the issuer of the check, XXXX XXXX XXXX, and was told since the check is cashed and the funds were released they can not recall the check. My HR personnel even tried speaking to someone from Truist but nothing or no one answered or seems to assist. In XXXX of XXXX, I was told to get a letter from my HR showing that the check in fact came from my job but I would have to go or contact a local branch, which is over 4 hours away, for the bank personnel to email to the claims department BECAUSE the claims department do not have an email that customer can send documentation to. Currently, my account has been closed by Truist and my money of {$1400.00} is just sitting in a closed account and NO ONE cant seem to tell me when, how, or if Im going to get my money back. I really need some assistance! All I did was cashed my paycheck into my account and here I am 3 months later still can not access my funds.
Consumer complaint received 2021-07-07
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. (OK)

I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed.

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Card Issuer : Citibank I had taken advantage of two low-interest offers ( " XXXX  XXXX '' and " XXXX XXXX '' ) on this card, both of which expired on XXXX XX/XX/XXXX, and moved to my regular " purchases '' balance, which had a higher interest rate, on XXXX XXXX ( amounts of {$2800.00} and {$39.00}, respectively ). On XXXX XX/XX/XXXX, I made a payment of {$3000.00}, which was more than sufficient to cover the balances plus any interest that should have accrued on them in 3 days ( 24.99 % * 3/365 * [ {$2800.00} + {$39.00} ] = {$5.00} in interest ), and which should have been credited toward the highest interest balance portion of my account, the " purchases '' balance. I also had another low-interest balances on this account which had not yet expired ( " XXXX  XXXX '' of 0.99 % until XXXX ). 

Although XXXX  XXXX was not the highest-interest portion of the account on XXXX XXXX, the payment was improperly credited toward that portion of the balance. I noticed on XXXX XXXX that interest was accruing on this card, and found that this had occurred. 

I contacted customer support ( XXXX, XXXX XXXX  PST ) to complain, and spoke to XXXX XXXX He informed me that the amount had not yet moved into my " purchases '' balance, and that that was why the payment was credited to XXXX XXXX. I told him I understood that that was what had happened, but that it was not correct and requested that he fix it. He said that there was not an option to do that. I immediately requested a supervisor, and he got XXXX on the line. 

XXXX explained the same thing, and then offered to put my Purchases balance on 0 % for 6 months. I told her that was inadequate, and that the interest that has accrued needed to be refunded as well. Eventually, she agreed to do that and stated that a credit of $ XXXX would appear on my statement within a few days, and that my purchases balance would be at 0 % until XXXX XX/XX/XXXX. 

This was acceptable to me, and while it resolves this immediate issue, does not resolve the fact that Citibank is systematically doing this, and thereby charging unknown numbers of customers hundreds or thousands of dollars in improper interest charges. 

This was, in fact, at least the second time this issue has occurred to me. Previously, I had a similar situation in which I made the payment on the same day that the low rate expired, which is why I intentionally scheduled this payment 4 days later. ( Citi did eventually resolve that particular issue to my satisfaction, but their system is still clearly set up to charge improper interest. )
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This is a 3rd party debt collector, not even sure what the debt is for. They have called my job, my inlaws, tried to get money from them. Said they were lawyers. Said they were some government official about a case filed against me. That I should consider this phone call as being served. I 've disputed it with 2 credit bureaus and it was removed. Then this company reported it as new credit debt back to these agencies. I have spoken to 3 employees about their illegal debt collecting practices. " Portfolio Recovery and Associates " is the company name
Consumer complaint received 2023-01-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I have been making payments on my loans since XXXX. I started on a rate reduction plan and in XXXX I went off the rate reduction plan and paid the full amount of my loan due with normal terms. My payment was just under $ XXXX. The year of XXXX my payment went from XXXX to XXXX because my loans have variable interest. In XX/XX/XXXX I called to get on a different repayment plan. I explained I am a XXXX XXXX XXXX XXXX XXXX I do not receive child support or aide of any kind. I can not afford any more than a {$650.00} payment as I already am living paycheck to paycheck. I was then placed on an interest only payment plan that I set up reoccurring payments of XXXX to pull from my bank every month. Unfortunately, this interest only plan did not lock in my interest rate at the time. I found out recently that that has since changed right after that plan was set up. Interest only plans now lock in the interest rates. By XXXX my interest rates continued to go up and my payment was back over $ XXXX. The reoccurring payments that were set up now did not cover what was due and I honestly could not afford it. I received a phone call from Navient in XXXX looking to collect the short amount on my account. I explained my situation and express I could not afford to pay any more a month and asked about any other possible programs. He told me I was not eligible for any other programs because I was enrolled in the interest only XXXX and had to wait out the 6 months in that program. I received another phone call looking to bring my account current right before XXXX. I again explained my hardship and willingness to make payments, but needed a more reasonable payment. He told me he could get me cancelled out of my current program and after the holiday we would discuss and go over what was available for me. XX/XX/XXXX we resumed our conversation about a different repayment plan. He told me I was only eligible for an interest only plan and it would now be over $ XXXX. I explained I could not afford that much. He then tried to run numbers for a rate reduction plan. He collected my financial profile for the month ( I live pay check to paycheck, things are very tight ). He spoke to his supervisor and said there was nothing else they could do. I am willing to make payments and have been consistently making payments to Navient for years. After years of payment, I have not even started to make a dent in the amount I owe them and they continue to raise my interest rates and my monthly payment to unrealistic amounts.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (PA)

My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXXBalance : {$760.00}
Consumer complaint received 2021-07-07
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: Self Financial Inc. (CA)

Self lender wasn't able to remove the late payment to stop reporting to the credit bureaus. When I never got notify about a late payment. Not through phone number, email, or mail! I been with self for many years and I never missed a payment. This is affecting me to get a credit card or to even open a bank account! This is hurting me, for something I was never aware of! If you guys need any additional documents, I'll provide it .thank you for your time for reading this. As you see the screenshot below. Yesterday was the 1st time I got a notification.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (VA)

My original bill was {$2100.00}. I've paid my bill on time every month which brought my bill down to {$900.00}. I'm now being charged a {$740.00} interest, they said the promotional period ended. I spoke to a " supervisor '' XXXX ID # XXXX who was incompetent and didn't know how to deal with this. This company is a scam and need to be investigated.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (HI)

Today, XX/XX/2023, I received a notice from a company called USCB America a debt collector. [ XXXX XXXX XXXX XXXX XXXX XXXX Bx XXXX ; LA, CA XXXX XXXX They are saying that I owe XXXX XXXX XXXX {$150.00}. This is NOT the first time they have claimed I owe XXXX money -which I do/did NOT! I DO NOT OWE XXXX ANY MONEY!!! After this debt collection last attempt to collect a debt from me that I DID NOT OWE, I communicated with XXXX. Please see the result of that inquiry I made to XXXX about whether or not I owed XXXX any money. The communication I had with XXXX was on XX/XX/XXXX, XXXX XXXX DAYS BEFORE I was notified [ again ] by USCB America XXXX Re : Submit a complaint/grievance ( XXXX ) Contact Member Services Request XXXX XXXX XX/XX/2023 XXXX ID : XXXX Dear XXXX, Thank you for your inquiry. I have shared your concerns with the Patient Financial Services Team for review and action, as appropriate. They have confirmed that any payments made to your account has been applied and a {$0.00} balance is reflecting for your dates of services. 
Thank you for using XXXX XXXX 's website. 
Be healthy. Live well. Thrive. 
XXXX XXXX Customer Service Representative
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (NC)

First Progress is attempting to collect a debt on my credit file XXXX no longer owed. I never received any notices or collection notices about this debt, any phone calls. Until I checked my credit and noticed debt I called immediately and paid the debt off. I feel like they are in violation of my 30 day right to dispute. Per the FCRA I should have been given a letter to prove my debt and dispute it and I never did.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a debit card from USBankreliacard. I understand this card is issued to provide unemployment benefits. I did NOT apply for unemployment benefits. Someone has used my identity to get unemployment benefits. I have tried to contact USBankReliacard to deactivate this card and I have been unable to talk with them. I understand this is a fraud situation and I would like to have some reasonable assistance in correcting this obvious government problem and how they distribute unemployment monies. Why would the government have a contract with a bank-in this case USBank who takes no responsibility for the products that have their name on it??? and why would the federal unemployment department set up a program that can be so easily compromised. 
I want some help to remedy this situation.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I purchased an insurance policy from XXXX on XX/XX/2020, in the amount of {$160.00}, through my Citibank debit card ending with XXXX. In XX/XX/2020, I closed my Citibank accounts. On XX/XX/XXXX, I cancelled my insurance and a refund was issued back to the Citibank account. However, because the account was closed, therefore I never received this refund. 

In XX/XX/2020, I filed a complaint with CFPB in regards to the concern of Citibank. Citibank responded that they investigated the incident and confirmed that they did not receive a refund since the account has been closed. 

On XX/XX/2020, I originated a recorded three way phone call with Citibank and XXXX, XXXX   confirmed that they issued a refund back to the Citibank account and the transaction was never bounced. 

In my original complaint, I stated that I would like to dispute the transaction made on XX/XX/2020, in the amount of {$110.00} because the service was cancelled. Citibank has not processed the dispute as far as I understand the situation.
Consumer complaint received 2020-08-20
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: ID Analytics, Inc. (KS)

On or about XX/XX/2020, I applied for an auto loan. I was approved for a loan with an outrageous interest rate and monthly payment of {$800.00}. I was floored. I declined the loan. I was confused because my credit scores with XXXX, XXXX and XXXX are all XXXX at the time. A couple days ago I got a denial letter ( a month after ) from XXXX XXXX ( with whom I already have a car financed ) stating that they wouldnt finance me because Sage Stream had reported a XXXX for a credit score. This is bogus. Sage Stream is a company engaging in shenanigans with certain banks reporting lower scores so that the banks can charge higher interest rates. I advise anyone who sees this to go to the Sage Stream website and freeze their credit report with this company immediately. The authorities and Credit Reporting Agencies should file fraud charges on this company.
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX  XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of  {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-20
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: Nelnet, Inc. (MA)

This account is being reported inaccurately and incorrectly on my credit report. 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 2023-01-24
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: Advantage Credit, Inc. (WA)

XXXX XXXXXXXX XXXX initiated a hard pull on my credit on XXXX. This was EXPLICITLY not permitted but was done anyway. The XXXX XXXX representative made a completely FALSE statement that what he was doing would not affect my credit. A hard pull ALWAYS affects your credit by adding a hard inquiry to your report! It also affected my score. 

I have been told since XXXX XXXX XXXX has been working with Advantage to get it removed, but it is still present. Attached are pieces of our conversation from the XXXX XXXX and over a month later, when it still wasn't removed.