davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a checking account with hunington two months ago on XXXX/XXXX/XXXX i got a alert on my phone stating XXXX was withdrawn I called hunington they stated I had a offset with them from XXXX from a old checking account I stated I did not recall this and how was a able to open a new account if i owed them money they could n't answer my question. My pay was deposited on XXXX/XXXX/XXXX and my sons ssi beneft was deposited on the XXXX/XXXX/XXXX they stated that i would get his ssi back to send proof so i emailed XXXX with proof and she stated spoke with manager and since my check was deposited and his they cant tell which money it came from so no refund??? My account was never froze or i did n't get any notification of this. I do n't understand how they can do this
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

TD BANK AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Deposits that were made was altered later with my online banking. Ex.. my rent I paid to my land lord was immediately taken out of my account the day I paid. It was deducted from my account that day but it did not process until a week later but twice as much was taken out or the money that was taken out seems to not have been taken out until a week later but went to remaining balance in my account when they already took that payment with no record of the original amount taken out. Also the banks statement dont match my record and when I went to the bank they said to call the number on my card and when I did they gave me the runaround. Also extra fee when I have overdraft protection. Please help.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I am writing because my student loan provider is NAVIENT. I currently have a debt of {$130000.00}. I 'm having issues because I am on a payment plan that I ended today XX/XX/XXXX due to them not keeping up on fixing issues that have been discussed. They are charging me late fees when my payments are automatically withdrawn from my checking account. I received my tax statement for XX/XX/XXXX and by there records with me paying {$580.00} a month I have only paid {$1500.00} in interest. They are also reporting on my credit report that I am missing payments and that they have been late but they are withdrawn every month on XXXX which was our agreement. Every person I have talked to about these issues through NAVIENT states they will resolve the issues but they are still occurring monthly. I 'm really attempting to work with them to repay these loans but the interest is at 10.2 % on some of them just building and building up. At this rate no matter how much I 'm paying monthly they just keep racking up fees that are not described in my statements. I 'm a XXXX and i do not make thousands of dollars a day like NAVIENT does. I need help I 'm drowning, and there are n't a lot of options for private student loan debt. I 've looked into other options they stated they would take {$90000.00} as a charge off but I unfortunately do not have that kind of money lying around.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CO)

After having been discharged 7 years ago for Bankruptcy chap 7 my loan servicer does n't want to report it to the credit reporting agency. I have asked to be reinstated in form of signing or writing a letter of reinstatement but they have not acted on it. This caused me to be denied for an FHA refinance. FHA requires that I have my mortgage loan reported to the credit bureau for my situation.
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NC)

I have received phone calls from the following number twice during business hours this week XXXX/XXXX/2016 - XXXX/XXXX/2016 : XXXX. The agency identifies themselves as Transworld Systems Inc. and states that I have unpaid medical debt. 

I have carried XXXX Identity Theft insurance for the last 13 months, and credit/identity monitoring through XXXX. I contacted XXXX and was advised to pull my XXXX credit reports and call back to review them with a consultant. All XXXX credit bureau reports were clean for collections accounts and accounts in negative standing. I was advised to ignore the calls and submit this complaint. I have also never spent time in a hospital or otherwise received medical treatment beyond standard primary care of my physician.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (PA)

My recent consumer report is showing unauthorized and unverified inquiries from Navy Federal the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/year>, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Consumer complaint received 2016-11-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

2 1/2 years ago I submitted a withdrawal request to Wells Fargo and I have yet to see my money. I was stupid enough to invest in the 401k plan that was offered by my employer XXXX and I have been lied to repeatedly. I have compained to everyone from the XXXX to the DOL to the FCC and everyone seems to think it 's ok for me to be treated like this. I realize what a fine upstanding crew they have over there at Wells Fargo but I 'm feeling slighted for some odd reason. I mean if I had their money and would n't give it back you can bet they 'd be collecting interest at the rate of about 25 % not to mention late fees in the amount of XXXX dollars a month. This is criminal behavior and I would like to see some type of action taken before I lose it all due to plummeting stocks thanks to the integrity of Wells Fargo.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I received an offer to open a Citigold checking account, make bill payments and debit card purchases. This offer was valid until XXXX XXXX, 2016 and had the terms of doing the following within he first 60 days to earn a promotional XXXX. 
Debit card purchases of over {$1000.00} Two consecutive months of bill payments I opened my account on XXXX XXXX, 2016 specifically for this promotion and met these terms with bill payments in XXXX and XXXX and debit card purchases greater than {$1000.00} prior to the 60 days. 
I followed up with Citi in early XXXX to confirm when the promotional miles would post to my account and they responded a week later saying I did not qualify for the promotion, which is blatantly false. I immediately contacted them again and they said they would research the issue and get back to me but did not have a timeframe they could commit to because they are busy. These are classic illegal business practices taking advantage of consumers, including but not limited to : Deceptive advertising Bait and switch Run around I met the requirements of the offer, Citi has confirmed this. I am owed the miles that Citi has promised based the terms and conditions of the signup bonus they offered me, that I have met and included in the attachment to this complaint. I want this resolved quickly without further runaround and delay. 

This is an account that has a $ XXXX monthly fee, so be stalling they are costing me money and opportunity cost for other honest businesses that uphold their commitments to their customers.
Consumer complaint received 2016-08-06
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX, XXXX Office of Consumer Financial Protection Bureau Dear Sir or Madam, I am requesting that Toyota Motor Credit Corporation be reported into the category of companies that are using deceptive and unfair business practices against American People. 

In XXXX XXXX, I contracted a car loan with Toyota Motor credit to purchase a car XXXX XXXX with XXXX # XXXX for a length of five years contract in XXXX XXXX XXXX XXXX, California. 
In XXXX XXXX, when I lost my job due to the Economic recession, my car was repossessed after I missed a payment with a remaining balance of the amount of {$1500.00} to paid off my auto loan. 

XXXX never responded to my inquiries to know how much my car was sold? What have they done with my belongings ( XXXX )? 

After almost after 14 years, I am still paying thousands dollars of hoax interests to this group of XXXX Toyota Motor Credit and their corrupted collecting agency law office of XXXX. 

I am asking to the CFPB to request from Toyota Credit Motor on my behalf, the legal copy of the document of the sale of my repossessed car ( XXXX XXXX with XXXX # XXXX ) with the amount that the car was sold in that year. 

IF Toyota Credit Motor refuse to show this documents, then the CFPB must give order to Toyota Credit Motor to stop its deceptive collection business practices on my account. 


Sincerely, XXXX,
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (OH)

I have been sending payments of {$440.00} since XXXX of XXXX, my vehicle was repossessed about XXXX  years ago and I made steps to retrieve my vehicle and get back on track. It is now XXXX  years later and I'm still making payments and my balance hardly moves. The vehicle is a XXXX and was purchased at {$24000.00}, how is it possible to still have a balance of over {$5000.00} after 8 years of payments even after a repossession. Regional Acceptance Corp. is the finance company that is doing this and I could really use some help in resolving this matter,
Consumer complaint received 2024-09-17
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NV)

I purchased XXXX XXXX XXXX XXXX ( {$500.00}, {$500.00}, {$490.00} ) issued by XXXX and distributed and serviced by Blackhawk Network XXXX  on XX/XX/year>. I tried to make purchases on the cards a couple days letter but I was left to find that all XXXX of them had been hacked and liquidated and that purchases were made on them without my authority. I have XXXX recognition of these purchases and I can't even check the card balance/transactions online because the card issuer website is down all the time. That is why I can't provide any amounts. 

I filed some complaints with Blackhawk Network and they created several cases that have lead nowhere and every time I call their customer service, it is extremely hard to communicate and they aren't very helpful. 

I am happy to provide any additional information that is needed. This complaint contains screenshots of the XXXX cards so please reference the photos for each card.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ga XXXX Dear XXXX, Equifax, XXXX This is a XXXX that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2017 I sent a two dispute letters to Transunion for XXXX XXXX ( Account # s XXXX & Account # XXXX ). I received a response for Account # XXXX on X/XX/2017. I did not receive a response for Account # XXXX and the disputed item has not been addressed or responded to at all. I sent XXXX additional dispute letters on XXXX XXXX, 2017 for XXXX XXXX ( Account # XXXX & Account # XXXX ) this time by registered mail that were received on XXXX XXXX & XXXX, 2017 see USPS Tracking receipt attached. In the letter for Account # XXXX I noted that my dispute had not been address and requested that the item to be deleted for inaccurate reporting. On XX/XX/2017 Transunion responded that Account # XXXX had been updated. However, again I did not receive a response from Transunion regarding Account # XXXX, nor have any corrections or updates been made on my report. Its now been over 38 days since the receipt by Transunion of my 2nd dispute letter request for XXXX XXXX Account # XXXX ( sent by registered mail ). Ive yet to receive a response from Transunion or have any corrections or updates been made to my XXXX XXXX Account # XXXX. Based on the rules of the Fair Credit Reporting Act, Im requesting that XXXX XXXX Account # XXXX be DELETED.
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear sir or XXXX, I 'm weighting this in regards to my capital one credit card I 'm XXXX or 2016 I become ill under the care of a Dictor and XXXX by the Doctior I was having some serious health issues that I 'm only know barely recovering from. Buy the time it was done I apparently missed two payment and they say a third one but that information is in correct the statement come out on the XXXX and I paid it on XXXX XXXX so a complete thirty days did not pass. 
i did notify my credit card company of my desabilty and how it was keeping me from working..they stated no problems XXXX XXXX we have a program to protect you while your XXXX is n't well, i said " great thank you ". So much Starting in late XXXX when I contacted them. The following month.i did n't receive a bill in the mail, as well as XXXX and XXXX. I had figured it was all under the program the customer service rep had enrolled me in I thought at the time he had said everything will be on hold tell you are better and at that time call us you can make a Payment. Was was very relieved to her this.i called on XXXX first and made a payment just as I had promised. When I made the payment. I was Informed that thag was n't the case and I had been charged for all the months with late fees. Explaining my situation heavily medicated at the time.and what my account was on hold per the gentleman I faked to, stared no it just does n't build intrest and lower your Paynent. I was cocked!! the lady explained I spoke to a manager they returned all the late fee. Again I was thrilled. I descovered there is a 60 day late on my credit report and maybe a 90 I told them all this they reven so they seen there fault and miscommunication of felt do to me being sick and desabled in and out of the hospital that they would remove the late payments but not the credit reporting ones. This is unfair I did what I was told they say they mailed bills now but I never recieved any. Stating you knew you had a bill in your mind.i I had to laugh honestly
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I received a call, and my oldest daughter got a call on her work phone as well, stating that I owe a balance to this company and that they were going to report negatively on my credit report. I was told that if If I were to pay the amount in full, the Debt collector will remove the derogatory remark off my credit report. I asked what this debt was for and they said that they could n't give me any information on that. I asked if there was any way of contacting the original debtor and they said they could not help me. The only response i was getting is if I were to pay the amount in full I would ultimately get it removed from my credit and or I would set up payments to fulfill the amount. I am not sure who this debt is from, the collections agency sounds like it is a cellphone, they keep calling my cell and my daughters work phone number AND I do not know what this collection is for ...
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Usaa was contacted today via phone in regards to continued inaccurate reporting of data on my credit report with all XXXX credit bureaus. I was given the run around by the representing with no resolve. I was told there is no one or department that handles discrepancy in reporting credit. I would like the closed account that they are reporting with an increasing past due amount every month to show correct balance, which was the balance owing when closed and charged off over XXXX years ago in XX/XX/2011! This violation of my rights under the FCRA needs to cease.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One sporadically closed my credit card account with no prior communication relayed to me. Contacted customer and was told it 's in the hands of " executive correspondence '', refuse to tell me anything. I had no notice, no options whatsoever. Extraordinarily unprofessional, and I ca n't even get it reopened myself nor an explanation ( one that is n't a canned response ) as to why it was closed from anyone. Primary card # ended in XXXX, XXXX. I 've never once missed a payment, only recently had my Capital One 360 account ( s ) closed - also with no notice - and emailed XXXX.com to get an answer. Seems to have made things worse, not better.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ashton & Weinberg, Inc. (NJ)

on XXXX/XXXX/16 i got a missed call from a unknown number of a gentelmen saying hes a private investigator investigating a larceny by check agains me left me a case number and a phone number to call. i called the number and a guy named XXXX XXXX told me he was the guy on my case told me i owe XXXX and change to a company called XXXX i said no i owe XXXX he said the rest is our fees so you have the option to pay for it now or ill have to file a lawsuit against you for a larceny by check and have you arrested and suspend your license and company Dot number so you can no longer do busines i said to him thank you very much sir but i never wrote a check to beguin with he said you did when you signed the contract u gived them a voided check i said yes i did but they were taking money from my account i never wrote them a check for the debt i owe them so he said well that larceny by check i said sir ive to contact my attorney for this he said ok call me back. after a 40min i called him back and i told him my attorney will give him a call he said well ill file a criminal charges agains you tomorow i told him ive attorney hes taking the case over. the next day i had missed call from what appeared to be my home town PD XXXX NJ i called them back give them my info they said we never contacted you or noone from our department did. later that day i got another call from someone from the PD said he recieved a papers for me under a criminal charges i said ok he asked me if i still leave in garfield i told him yes and i went to the PD to see whats going on. they check all the detectives and everyone that has access of the number noone called so i went to my attorney he called them with me pressent same day the XXXX XXXX wasnt there they said call tomorow. 
Next day he called them and told me they broke so many rules and told me to dont worry if they call to tell them to call him. 
20min later XXXX XXXX XXXX called me saying this is your last chance and i made bad decision hiring a lawyer he was so bad he didnt know the laws and that ive the last chance to pay XXXX up front and another XXXX next week including his charge. i told him i pay the lawyer for a reason to call him if anything he said well dont be surprised if i have you arrested or shot down in a weight station ( meaning ill suspend your lic or dot number ) he said remember XXXX XXXX XXXX i said fine no problem I NEED THIS XXXX FINED ILL CONTACT THE LOCAL NEWS AS WELL
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (FL)

These folks at XXXX of Florida is again claiming that I owe them. I filed a complaint against them here some time ago. I got an XXXX from them that caused me XXXX and so I brought it back to them and did not return there. XXXX. When I went by their offices, they accepted my insurance and additional payments that they required. I simply paid these people to hurt my XXXX and if that was not bad enough, they now have defamatory/derogatory mark on my credit report insisting that I owe them. 

Their representative First Federal Credit Control of XXXX XXXX XXXX XXXX, XXXX OH. XXXX XXXX XXXX, wrote to me. I replied to them requesting verification of this debt and the contact information for the XXXX of Florida. I did not hear back from them.