davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a checking account with Citizens bank on XXXX 2016 so I can get my social security payments deposited with them. On that day of XX/XX/2016 I deposited {$45.00} check that I need it to cash. In XXXX XXXX, 2016 I received the letter from social security administration letting me know that they were going to deposit my benefits checks to the new account I opened with citizens bank.Social security administration told me in the letter that it can take 1 to 2 months for them to deposit my money. Yesterday XXXX/XXXX/2016, I went online to see my balance which was {$1.00} before yesterday and then the bank put my balance to minus {$9.00} to my new checking account. I called the citizens bank branch in XXXX, NY and I spoke to them and they said that they are charging me a {$9.00} fee for not making deposits. I explain them that social security was going to make my benefit payments on my checking account next month and I told them that I 'm on fix income and I can not afford to pay any fees. the person at citizen bank told me that I have to pay the fees and on top of that more fees per day until my fees are paid. I 'm a XXXX person and is n't my fault that it takes up to 2 months for social security to deposit my benefits to my new checking account. This is the only income that I have and can not afford their fees. As a new customer to the bank I feel that I was wronged and communicated this to the bank I feel that they should delete these fees.
Consumer complaint received 2016-11-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KY)

I set up a checking account with US Bank on Saturday XX/XX/2016 in XXXX, KY. The bank was offering a promotional bonus at the time for new checking account customers and US bank credit card holders. So I close both of my local bank accounts that I have been a customer with for years to open my new accounts with US bank. The option I chose was setting up a checking account that had a {$150.00} bonus and also opened a credit card which was an additional {$50.00} bonus. When I set up the account at the branch the banker specifically informed me that I would receive this bonus within 60 days of setting up the account but at the very latest, 9 weeks from first direct deposit date. It sounded appealing to me. I made sure to meet all requirements for bonus and set up my direct deposit with my employer. It is now 4 months later and I still have n't received my bonus for setting up the account. Totally unacceptable. I have spoke with numerous customer service reps and the branch manager several times over the last couple months and the only thing they tell me is that my bonus is being processed. Also unacceptable. What drew the line today is that I called the branch manager again today and she said she contacted the promotions department and that they were several weeks backed up on promotions that it could be even longer of a wait, possibly XX/XX/XXXX or XX/XX/XXXX. Again ... .. Completely unacceptable. I also called the US Bank customer service number and spoke with a VERY rude female representative who would not transfer me to promotions or would n't let me speak to her direct supervisor. I 'm extremely frustrated with US Bank and would NEVER recommend them to a friend or family. It 's not necessarily the whopping {$200.00} bonus that has me frustrated, it 's the fact that the bank promised a new customer something that I do n't seem to be receiving. If you want me to change my accounts and join you for {$200.00} I 'm in, but I expect to receive my money. I have met my requirements and have waited WAY past projected date and I should receive it now. If I do n't receive it this week, I will close both accounts with US bank and reopen accounts with my old local bank.
Consumer complaint received 2017-03-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (MN)

I received a call stating my debit card had been locked and the automated call requested my card #, expiration date and # on the back. Half way through the call I realized it was not US Banks normal call when a card is locked and that I was being scammed. I immediately called US Bank and had my card shut off and ordered a new one. I was surprised this morning ( 3 days later ) that the number is still working and the recording says it is the " 24 hour security line '' and asks for the information. I want to pass the phone number along so some one can shut it down. I only answered the call because it came from a city that I have relatives in and I figured it was a call from them. The phone number - out of XXXX, TX is XXXX.
Consumer complaint received 2016-10-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OH)

I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting TransUnion to provide the documentation used to determine inquiry was indeed authorized by the consumer. TransUnion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If TransUnion does not have documentation to show these were in fact authorized it must be removed. TransUnion and its Trustee are liable under the SEC to follow specific rules. TransUnion commission file number ( XXXX ). Trans Union LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as joint lead arrangers and joint bookrunners, XXXX XXXX XXXX XXXX XXXX XXXX, as administrative agent and collateral agent are all liable. Furnishing student loans on consumer reports is a violation of Privacy Act 1974 and Family Educational Rights and Privacy Act 1974 I have not consented to the publishing of this private information. Also, Furnishing Payment History on Consumer Reports violates 15 U.S. Code 1681a ( 2 ) ( A ) i. I am requesting that TransUnion provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. I will be filing IRS 211 ( treasury omb forms ) to audit the consumer 's account. TransUnion is securitizing consumers ' data yet refusing to provide consumers a copy of their consumer file, not consumer report. FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. TransUnion is furnishing information on my consumer file without appropriate notification and approval as required by law. IRS Form 3949-A for the IRS to audit TransUnion concerning my principal account and the income TransUnion makes from the principal account consumer file sales. Remove all inquiries Remove all student loan files. Remove utilization, Remove Bankruptcy I want compensation as provided in law for every violation.
Consumer complaint received 2016-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have home equity loan with Bank of America. The loan was a 10 year term loan that expired in XXXX, XXXX. Since XXXX, XXXX, I have been discussing with the bank to redo the loan, so in XXXX, XXXX the representative at Bank of America told me the quickest way would be to modify the loan. By there estimates it would take no more than 60 days. Dating back to XXXX, XXXX to XXXX, XXXX, they just recently sent my application to their underwriters. Hence they have reported the loans to the credit agencies as past due, while I have been told to continue to pay the loan and it would not effect my FICO score. This is not the case my FICO score has recently dropped XXXX points from XXXX to XXXX. I have been mislead throughout this whole process and now it has become a serious issue impacting my credit score.
Consumer complaint received 2024-08-28
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. (WA)

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 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I like many American borrowed and took out student loans to be able to attend college and better my life for my self and my family. Upon completion of school at the 6 month mark for repayment to begin I contacted Navient/XXXX XXXX to apply for their " income based '' repayment plan. It was much to my surprise that when the statement started coming in their " income based " plan was anything but that. Between the loans that I had they were seeking over {$2000.00} per month, this while barely making {$32000.00} before taxes. They did let me apply for " debt consolidation '' which did lower my monthly payment, but in return added nearly {$20000.00} extra in interest to my loan amount. You can only imagine my shock when I got this new total. I like many Americans have no choice but to " pay the man '' what they want or risk losing everything by wage and tax garnishment. If I had known how these companies worked against people rather than to work with people I would have never taken out loans to help pay for school. I do not deny that I owe the money that I borrowed, but the additional interest charges and the amount they are charging to have one payment per month rather than 2 or 3 should be illegal. I will be paying at full payment until I retire from work. Something needs to be done about companies that prey on the needy or the economically struggling people.
Consumer complaint received 2016-10-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX submitted balance to collections agency before notifying me or finalization of term. Paid balance with school immediately but it had been in transit with collection agency whom was suppose to remove it from my credit file. Refused to remove even though they acknowledged that it was no longer an issue.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (VA)

XXXX XXXX sent my bill to Hillcrest collection agency in the amount of {$2700.00} without any bill or notification. XXXX XXXX refused to allow me to cancel services on a house I no longer own. They have sent no bills or notification letters asking for payment. I have on several occasions attempted to contact them to no avail. I have also emailed them to try and resolve this issue. All my calls go to a voice mail and are never answered. This issue has been going on for close to a year now and it has affected my credit to the point where I am unable to get a loan. XXXX XXXX says I owe {$2700.00} for another 5-year contract. I contacted Hillcrest collection agency and explained the issue and I was told that they did n't care even though that this account should n't even exist. I do n't know what else to do to resolve this issue. I just want XXXX to cancel my account and stop causing me and my family problems and I want this removed from my report. XXXX XXXX is a fraud and they should n't be allowed to collect money they are not owed.
Consumer complaint received 2016-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (ME)

My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (CA)

On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Midwest Recovery Systems (FL)

On XX/XX/2016, I received a credit monitoring alert from XXXX. Upon investigating the alert, I found a collection account had been added to my credit report from a company named Midwest Recovery Systems, LLC, located at XXXX, XXXX, XXXX XXXX, with phone number ( XXXX ) XXXX. The original creditor was listed as XXXX. I have never heard of either company nor done business with either one. Neither one contacted me prior to this, so I never had the opportunity to request validation of debt. They are in serious violation with the FDCPA. My intent, if this is not resolved ASAP, is to file a lawsuit in the United States Federal Court of XXXX.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NC)

My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX which Resurgent Capital Services aka LVNV Funding, LLC claims to have verified, and that I owe them in the amount of {$110.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. They continue to report this on my credit file which I have recently disputed with all three credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is not.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is trying to collect on a XXXX year old debit, from a traffic ticket, I paid off 5 years ago, and re-acquired my drivers license from the state in question. 

They continue to contact me via calls at my place of employment, during working hours, as well as sending threatening letters to my place of employment. I am about to lose my position with this company, if this harassment does not stop now. They called from : XXXX today XXXX/XXXX/XXXX at XXXX. 

Point in case : " PORTFOLIO RECOVERY ASSOCIATES AKA XXXXGood news, they got slapped hard for XXXX XXXX recently : Also the NY AG slapped them again it seems : ... in new york CFPB fines them for lying : - ... lect-bad-debts/Posted in : I have to wonder why an allegedly legitimate business would need so many phone numbers to call out on? Make sure you read how they just lost an XXXX XXXX dollar lawsuit. Make sure you read how the NY AG spanked them bad on XXXX XXXX, XXXX. XXXX page with XXXX complaints in a government action from the State of New York. ''
Consumer complaint received 2017-01-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

This debt is appearing on my credit report from Portfolio Recovery Services. I 've sent communication to them for debt validation on two occasions. I have not to receive what I requested. They are reporting the collection as being opened on XX/XX/XXXX which is actually incorrect. The debt went delinquent in XX/XX/XXXX. They are reporting the open date as XX/XX/XXXX. Collection agencies can not re-start the deletion time period unless they have re-aged an account which could be a violation of the Fair Credit Reporting Act. They 've added on 2 additional years of reporting which will extend the deletion period beyond the 7.5 years allowed.