davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, after noticing unauthorized inquiries on my credit report, I took the necessary steps to address the issue. I submitted a report to the Federal Trade Commission ( FTC ) for these unauthorized inquiries. Following the submission of my FTC report, Equifax appropriately deleted several of these inquiries from my credit file, leaving only a few that were legitimate or had not yet been disputed. 

The remaining inquiries on my report as of XX/XX/XXXX included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were the only inquiries left after I submitted my FTC report and expected that my credit report was now accurate and up-to-date. 

However, when I reviewed my most recent credit report dated XX/XX/XXXX, I was shocked to discover that all the inquiries that were previously deleted had reappeared on my credit report. In addition, there were several new inquiries listed that I had never authorized. This not only completely negated the previous corrections but also added even more inaccurate information to my credit file. 

Here is a detailed list of the inquiries that have unlawfully reappeared or been newly added to my report : XXXX XXXX XXXX XXXXXX/XX/XXXX ( appearing twice with different addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The reappearance of these inquiries has severely impacted my credit score, causing me undue stress and anxiety. The mental and physical toll of dealing with these issues has been overwhelming, especially given that these inquiries had been previously resolved.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I realized that I am not able to access my HSBC mobile app. I called the bank hotline number. The bank representative told me that it is a bank misunderstanding and that he fixed everything. On XX/XX/XXXX I tried to log in to check my account balances but I got a message saying " user suspended ''. I called the bank again. They couldn't explain the reason but said that I didn't provide some information. I ask what information they are referring to. They couldn't answer but said that they will escalate the issue. 

I find it unacceptable and illegal for a bank to block access to my accounts without any justification. I haven't done any transactions. I am just keeping my money on CD accounts. 

Please make sure that the bank does not block my accounts anymore.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CO)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO CARD SER XXXX, WELLS FARGO CARD SER XXXX and WELLS FARGO BANK XXXX
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Company Received payments from myself, took money from my account and proceeded to close my account without my knowledge. They took my deposit and extra money out of my account without my knowledge. When I go online about the information after it states about my deposit that I never received the message says '' We hit a snag, buty were on it. Try again in a bit. This is the same message I have been receiving for a while and hadnt received my deposit nor any explanation why they taken my money then closed my account without my knowledge. There was a payment taking from several payments taken from my account. When I went to use my card it did not work only to find out it was closed without my knowledge.
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

BANK OF AMERICA ATM SERVICE IS POOR. THE ATM ID - XXXX LOCATED NEAR FORMER XXXX XXXX XXXX ( XXXX XXXX XXXX ) IS ALWAYS OUT OF SERVCE. I WENT TO MAKE A CHECK DEPOSIT AND GET CASH FOR THE LABOR DAY WEEKEND AND THE ATM WAS EXPERIENCING PROBLEMS. THE ATM REJECTED MY CHECK DEPOSIT AND HAVING ISSUEING CASH WITHDRAWALS.
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I received a notice of letters in my XXXX paperless inbox around XX/XX/XXXX and found two notices, which led to this chain of events. 

XX/XX/XXXX : XXXX notice to recertify IBR XX/XX/XXXX : XXXX notice that I did not respond or select a repayment plan. 

XX/XX/XXXX : I filed the IBR payment plan request on XXXX and submitted the certification on studentloan.gov. I have zero taxable income and have not filed a tax return in many years. 

XX/XX/XXXX : FedLoan notice that my request to be removed from IBR and placed on a standard plan had been received XX/XX/XXXX : FedLoan notices about the new terms and that I must make a payment before my transfer to the standard plan could be completed. 

XX/XX/XXXX : I used the XXXX contact and alerted them to the fact that the notice they just sent was in fact opposite to what I submitted and that I want to remain on IBR. I received an email confirmation that they received my request, but no other reply. 

XX/XX/XXXX : XXXX email that my monthly billing statement was availble. 
XX/XX/XXXX : I used the XXXX contact form to again alert them to the issue and received a confirmation email, but again no reply. 

XX/XX/XXXX : XXXX has re-sent the monthly bill notice. 

I 'm filing this complaint after having a quick internet search and seeing a lot of other people dealing with shady practices from XXXX. At the very least I want to establish a record that I have been trying to address this issue outside of the XXXX website ( which does n't give me a record of the correspondence I have sent except the email confirmation that 'something ' was received ). This whole thing looks like some kind of trap to get me to make a payment to get me off the IBR plan. Besides not having the money to make the payment, according the letters I have received, doing so would effectively 'seal the deal ' to remove me from IBR ; hence, I have no intention of getting someone to make the payment for me either.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Ive spoken to several RUDE representatives since Ive been dealing with this company for 9 months. Its unbearable! I make my payments every month they may be a couple of days late, but never too severe for the treatment that I get when speaking to someone over the phone, it makes me angry to even call in every month to make my payments, if the store wasnt so far I would just drive there to make my payments. My other concern is that Im making my payments, but my balance is increasing and when I call in to find out why theres the attitude Im getting from the representatives. Im stuck and I dont know what else to do. I just received an alert from my credit advisor and stated that my credit balance has increased by {$100.00} which has gotten my credit utilization up and its stating that my account is 30-59 days late which has now dropped my credit score. I am in the process of buying a home and this is going to hinder me from moving further. Its causing an emotional toll on me and its financially straining me. Im at the point of turning this over to my attorney to have him further investigate ALL of my issues and having him subpoena ALL of the calls and pursing legal actions against them. I just made a payment of {$85.00} and Im not understanding how my balance is still increasing. I am giving this 30-days to handle this situation, if not I will be forced to pursue with legal action.
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ceannate (AL)

XXXX XXXX XXXX has sent me a letter from the University XXXX XXXX about 3 courses that I completed which they said never got paid for and I owe a balance of {$4600.00}. These 3 courses were paid for with my financial aid that I received around XX/XX/2017. I 'm in the process of transferring to a new school, and I was told by student adviser that if I had a past due balance that they would not send my official transcript. But they did send my transcript to my new college that i 'm applying to.
Consumer complaint received 2018-01-23
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. (TX)

I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My Equifax dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via XXXX + XXXX on my TransUnion, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my TransUnion dropped 25 Points to a 515 ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
Consumer complaint received 2018-01-23
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: TD BANK US HOLDING COMPANY (FL)

To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
Consumer complaint received 2018-01-23
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: PMR Progressive, LLC (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with PMR Progressive which is from XXXX XXXX XXXX? I have only ever had service through DWP ( dep. water and power ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I transferred XXXX USD onXX/XX/XXXX to coinbase.com and they promised to credit to my account on XX/XX/XXXX Today is XX/XX/XXXX and it has not been credited yet.. I opened a case with www.coinbase.com Case # XXXX IMAD # XXXX. NO RESOLUTION. They are not even responding to my emails. I am also ID verified on coinbase. They simply stole my money and no one to talk to or resolve the issue -The full name on the account the wire was sent from : XXXX XXXX XXXX XXXX -The amount of the wire = XXXX  USD -The date the wire was sent XX/XX/XXXX -- The federal reference # IMAD # for the wire FED # XXXX More DETAILS OF WIRE TRANSFER WT FED # XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # XXXX
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting duplicate accounts for XXXX XXXX both accounts are showing a balance this is incorrect the balance in XXXX acct ending in XXXX original loan balance XXXX
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

My account was over charged by {$800.00} I have included a copy of an email I sent to the company. I have pictures as proof. Besides the XXXX they also charged interest of about {$300.00} that may not have accumulated if the money was added to the correct accounts. 

Hello, I must clarify a few things, the loans are n't very clearly laid out. but here is exactly where I think the problem is. I have 4 loans :  XXXX - {$3500.00} XXXX - {$2000.00} XXXX - {$2000.00} XXXX - {$1500.00} XXXX - {$9000.00} It appears to be errors within loan XXXX. 
I paid {$1700.00} for this loan before I left school and another {$1400.00} after I left I do understand that the interest must be added and paid for but the bill was at {$2800.00} in XXXX which does n't make sense because the loan is for {$2000.00} and made in XXXX, the interest rate is at ~6.8 % I do n't understand how it can accumulate so fast. 
please take a look. 
Thank you,
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " XXXX '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and Citibank and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On X/XX/2017 at XXXX XXXX Capital one auto finance sent a repo man to repossessed my XXXX XXXX. I never received any written notices prior. No phone calls. When they towed the car no one left me any kind of documentation that the car was repossessed. Called Capital one X/XX/2017. The person I spoke with XXXX did not have my correct email, phone number or employer. I was told that they sent me notices. They also told me the called the number and left messages. And called the wrong employer. I was told that the employer never answered the phone. Odd they had all the wrong information to contact me but had the correct address to sneak my car away in the night. I was charged a repossession fee and {$140.00} to retrieve my car.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

This is a follow-up regarding the complaint XXXX submitted on XX/XX/2017 that I opened a checking account with BBVA Compass bank and did not receive the {$200.00} bonus even though I satisfied all the requirement. 

In the response to the complaint, the bank confirmed that I have satisfied all the requirements except that " Unfortunately, during the review of your account, it was discovered that due to your Tax ID certification status, you are ineligible to receive the {$200.00} cash bonus. The California Colorado Sea of Blue Consumer Checking Offer flyer states that Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' However, the document attached clearly shown that I have certify under perjury with the bank at the time of account opening that I 'm U.S. person ( resident alien ) and not subject to an withholding. And as such, it seems that there is a mistake on BBVA Compass side in assigning wrong withholding status to me. Therefore, I should receive the {$200.00} bonus since I have satisfied all the requirement.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (FL)

On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

This complaint is concerning my CareCredit account. When I had my account created in XXXX 2012 to deal with some emergency XXXX  work that needed to be done, I was not told about the specifics concerning the promotional period I was signed up for. When I asked for specifics, the staff, who explained how to use CareCredit to me orally, were quite unclear and could not explain it. 

Thus, I went into using the card without full knowledge of the deferred interest for promotional periods. I am still paying interest on this procedure, and the interest grows every month.