davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SUNTRUST BANKS, INC. (OH)

In XX/XX/XXXX I signed a loan for a XXXX program in XX/XX/XXXX I was charged partially for a RN program. I signed and went to the school when it was XXXX XXXX XXXX. I was only able to retain the one loan sheet, for the fact I never agreed for a RN program. The loan was sold for XXXX. The amount has remained at XXXX since XX/XX/XXXX. There also appear to be duplicate charges for the XXXX program.
Consumer complaint received 2018-11-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX, Account # XXXX .Date Opened : XX/XX/2007 Amount : {$5000.00}
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

at XXXXXXXX XXXX. Sunday, XX/XX/XXXX I missed a call from an unfamiliar phone number that left a message for me. The call came from ( XXXX ) XXXX, claiming to be with Citibank. I do have a Citi card. When I called back they asked for the last 4 digits of my cc, which I did not have. In lieu of having the cc number it asked for my social security number. I started entering the number, then felt uneasy and hung up. Their message was thanking me for being a part of the Citibank family and asking to log into their website to review my account status, or call them at ( XXXX ) XXXX. I logged into my Citi account and their were no messages there. I called Citi myself today, at ( XXXX ) XXXX, which is the number posted on their website. The CSR told me that they had no record of any call, and the only time they'd call would be to discuss a late payment. The account is always paid on time. I tried the ( XXXX ) XXXX number today, and again it asks for either the last 4 digits of my account number or my ss #. However, I kept dialing " 0 '', and got a CSR -- but the background  noise/call quality sounded suspicious. I have googled both of these numbers today and seen different posts of it being a scam. Thanks in advance for your help. 
XXXX XXXX XXXX
Consumer complaint received 2018-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BB&T CORPORATION (VA)

On XX/XX/2018, company charged a total of {$100.00} for two returned item fees and an NSF fee. In attempting to learn why, BB & T informed me that two items were returned and because of the returned item fee brought my account negative, a NSF fee was assessed. Also, through my messages with BB & T, I learned that the two returned items were unauthorized attempts to withdraw monies from my account. I attempted to explain this to BB & T and they allege that these are recurring withdrawals from an external account. However, I can assure this agency that I do not have set up any recurring withdrawals.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I put a freeze on my credit due to my wife being notified that her personal information may have been compromised in the Equifax security breach. In XX/XX/XXXX we purchased a new vehicle and I was able to call Equifax, provide correct responses to security questions and successfully have my credit freeze lifted for a specific time period without any trouble. 
On XX/XX/XXXX I sent a letter to Equifax along with a copy of my drivers license and US passport requesting the my credit freeze be lifted through XX/XX/XXXX as we were in the process of buying a home to be closer to essential medical services following a XXXX  XXXX XXXX. On XX/XX/XXXX I called the Equifax Freeze Department to inquire about the status of lifting the freeze on my credit report and was advised that they had no record verifying my social security number and could not lift the freeze on my credit. I was advised to send a copy of my social security card, or a XXXX, or a XXXX with my social security number on it via fax. 
On XX/XX/XXXX a fax was sent to the fax # given by the Equifax representative with a cover letter, copy of drivers license, California State Employees XX/XX/XXXX XXXX, and social security XXXX. I called on XX/XX/XXXX to inquire on status of the request and was told it was not received. Was advised they had a new fax # and on XX/XX/XXXX faxed the cover letter with the request, drivers license, and Social Security XXXX. 
On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received but they were not clear and they needed further verification of my social security #. After speaking with a manager I was told a XXXX card with my social security # would suffice. 
On XX/XX/XXXX a cover letter, drivers license, social security XXXX and XXXX card with social security # were faxed. On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received and they were not entirely clear/legible and my freeze request could not be completed. 
On XX/XX/XXXX and XX/XX/XXXX the same documents were faxed from 2 different fax machines to perhaps provide clearer copies. All copies sent to Equifax on each occasion were clear when sent. 
To this date ( XX/XX/XXXX XXXX Equifax has failed to release the freeze on my credit. In each phone conversation with Equifax representatives, supervisors, and managers it was explained that this situation was creating a severe hardship on me as I was still in the hospital recovering from effects of a XXXX   XXXX XXXX. Was soon to be released and in escrow on a home to be close to medical services and that they were holding up our ability to comply with our real estate purchase contract. This necessitated an extension to our escrow closing date and the release of our loan contingency, due to the lender 's inability to access 3 forms of credit reporting for me.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (GA)

Chase and probably most accounts have the policy to either approve or reject a automatic debit order or recurring debit card transaction against your account when your account is overdrawn. Every single time they charge {$34.00}.

Of course I do not want those charges approved as I will deal with my creditors separately. Chase of course approve each one and charges me {$34.00} each time. I think its crazy that they can charge me {$34.00} each time when they allow a {$10.00} or less charge to go through, when i am fine with it being rejected. No of course they have added a {$15.00} extended overdraft fee. All services I have not asked for. They know that I get paid every 2 weeks and wont have funds until then. 

I can always pay it with a different account or delay payment. This happens often and the most recent few days they have charged me almost {$200.00}. Now if a person is going into overdraft and then taking even more money from them, I believe this predatory and unethical action and should be regulated. At least they should allow you to instruct zero approvals against an account that is overdrawn if you want it.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eastern Revenue, Inc. (PA)

I was contacting the hospital to find out if I had any outstanding bills that were not ran through my insurance. I was told I had to contact a few agencies by the hospital to ask about my insurance being ran on some outstanding claims. When I contacted Eastern Revenue, I was contacting them specifically in reference to a different date of service that I had been told about by the hospital that took place in XXXX and was placed on the phone with an XXXX XXXX to talk about what I needed to have ran through. He started explaining I had several outstanding debts with their collection agency, I had only contacted them to ask about whether or not my insurance had been ran through for a date of service in XXXX. During speaking with him he was harassing me about the other dates of service that are outside the limitation of collection, he kept asking me to make payment for them and to make arrangement for them to be paid. I explained I was not calling about making payment I wanted to know if my insurance had been ran through before the charges were placed against my credit for the XXXX date of service which was my right to ask. Since then I have received calls from them several times a week regarding collection of the outstanding debt for charges dating before XXXX. The debts were not on my credit report and they refused to send me a statement of verification or anything in writing about what they claimed I needed to pay right then and there. I never asked about these debts or promised to make payment to them. They reopened these debts from XXXX as if I contacted them about them and promised any sort of payment and are now contacting me several times a week for payment on a debt that was written off years ago that I didnt contact them regarding nor did I have prior knowledge of before contacting them regarding a claim that should have had been partially or fully paid by my insurance company. They have threatened to sue me for the debt and to get payment through alternative means of collection?? I dont know what that means or their intentions are however I feel that this is a sincere threat from them.
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (FL)

XX/XX/2018. Received a Debt Validation Notice from Client Services from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

Per Federal Law and guidelines established by the Federal Trade Commission, I advised this debt was time-barred and the statute of limitations expired months previously. Response was in writing as the law requires, including copies of supporting documentation and copies of the Statutes as they apply in the case. 

In my written response, I asked Client Services to notify me of any course of action they took, and/or notification once they closed this account. My written response was mailed on XX/XX/2018. 

On XX/XX/2018 at XXXX ( EST ) I called Client Services and spoke to two different people. XXXX XXXX and XXXX XXXX. Both employees were unprofessional, dismissive, and claimed repeatedly, There is nothing in this office that I can discuss with you. They advised me to contact the original creditor, XXXX, who they are representing. I advised Client Services that I sent my written validation notice to Client Services, not XXXX. 

Client Services refused to assist or discuss anything with me.
Consumer complaint received 2018-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ID)

Ive applied for the temporary extension public service loan forgiveness ( TEPSLF ). They denied my application because the payments I made 12 months prior to applying was less than what I am currently paying. The problem : my payment is income driven so the amount will always be less than the previous 12 months if I get a raise AND the payment is determined by the same company that has denied me. Its a no win situation and designed to make it nearly impossible to qualify for loan forgiveness.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NC)

After reviewing my credit report, XXXX XXXX XXXX pulled my credit report without me authorizing them to do so. I never signed anything giving them permission to run my credit. Can Westlake please provide me with proof and signature that i authorized them to pull my credit report.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 I deposited my inheritance check at JP Morgan Chase branch in XXXX XXXX FL. Chase collected the funds from XXXX XXXX XXXX PR on the XXXX of XXXX. On the XXXX I stopped by the bank to check status. They informed me my account was restricted due fraud. I have a receipt for the deposit which indicates funds would be available on XX/XX/2018. So far on XX/XX/XXXX, they have not released my funds. The bank in PR corroborated they paid Chase. On XX/XX/XXXX my attorney sent them all the legal papers from my father 's estate. They totally ignored my attorney and me. Last Thursday someone called to say they reopened my case. I did not think a case could be closed without resolution. Still she would not tell me when will my funds be released. For 2 and a half month they have held my funds illegally. No explanation only lies. They refuse to call the bank in PR. They collected those funds in cash on the XXXX XXXX. They did not need to ask for any documents and yet we provided them a month ago. I have been ignored and think they are profiling. I desperately need help. 

Will appreciate any help you can provide.
Consumer complaint received 2018-10-18
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: BARCLAYS BANK DELAWARE (MA)

Barclays reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours. 

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Last month, my debit card was inexplicably cancelled without any notice to me. I found out it had been cancelled after trying to use the card at a neighborhood restaurant. After 40 minutes on the phone with Chase customer support, I was told by the agent that the debit card had been cancelled because it was a Premier checking card and I no longer had a Premier checking account. This made no sense to me because my account had been converted to regular checking about 3 years ago and I had been issued at least 2 or 3 debit cards in the interim. I was sent a replacment card, which took 4 days to reach me, and then I had to go to a branch to have the PIN reset because the card they sent me was not linked to my old PIN number so I could not use the card until I visited the branch and had the PIN reset. All told, I had no access to my checking account short of visiting a branch for a week. 

Last week, I again had my debit card declined at a local merchant. This time when I called customer service, they told me that it had again been cancelled, once again with no notice to me ( Chase has my email, mobile, and two phone numbers on file ). I had to escalate the call to a supervisor, who told me that he could not find any reason why my debit card had been cancelled. He was able to reinstate my current card. 

Yesterday, again, my card was declined at a local merchant. I am tired of spending 20 and 30 minutes at a pop on the phone with customer service agents who have no idea why this is happening to my account. Today is a bank holiday, so I can not just go to the branch to have this resolved. My biggest compliant is that my card keeps getting cancelled WITHOUT ANY NOTICE. In the past, Chase has sent me text messages  when there is a fraud alert that has frozen access to my card. I have also received automated phone calls when there was a potential problem with my card. How can Chase cancel my DEBIT card with no warning or notice whatsoever? I live in a rural area, the nearest branch is a 10 minute drive away, and I use my debit card every day. This situation is unacceptable, and nobody on the phone at Chase seems to know why it is happening or how to fix it.
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I informed Chase Credit Card Services that Im going through hardship and that I can only make payment for the amount of {$50.00} per month Chase did not wanted to the {$50.00} dollars per month They want to close the account. 

And due to the payment situation Chase have reported late payments to the Credit Bureaus I have been Chase Customer for many many years Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (SC)

The debt collector for Rise has contacted my ex husband on several occasions inquiring my whereabouts and how they were going too send someone out to my residence too pock me up. I have not stayed with my ex husband for over 12 years and they tell him all the details concerning the loan such as the company it was borrowed from and the amount that was borrowed. He has told him on numerous occasions to stop calling him concerning me. His name is nowhere on the account and I dont appreciate them contacting him about my finances. The name of the collection is XXXX XXXX.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

I opened a dispute for a monthly transaction on my paypal extras mastercard that I didn't initially notice. PayPal Extras MasterCard is the product, XXXX XXXX is the servicer. 

I opened the dispute and ordered a new card. I was sent a new card but that card was blocked my PayPal shortly thereafter. So while I waited for this dispute to be resolved, I did not have access to my account, my statements, and received no bills. They made it EXTREMELY difficult to simply pay my bill. 

I have now been notified that the dispute has been resolved and the credit issued to my account, however, I STILL CAN NOT ACCESS MY ACCOUNT! This can not be legal. I also had late charges incurred due to these fraudulent charges and want to make sure those are no longer on my account.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Chase Freedom card allowed charges in excess of the credit limit for a billing cycle. I feel the charges should have been declined. Credit limits are there for a reason, there was no emergency. They could have simply called. I think it is bad business practice and that consumers can be hurt by credit card companies allowing these charges in excess of the limit. Some consumers may not be able to pay these amounts and be in real debt. I am disappointed by them allowing the charges and further how they handled it when I spoke with them. I have been a Chase customer for a long time, usually they are good at monitoring and stopping charges, but they failed this time and didn't seem to care. They are not willing to do anything. 
I have bank accounts and credit cards with Chase that I may decide to close in light of how this situation has been handled.
Consumer complaint received 2023-06-29
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. (GA)

The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Consumer complaint received 2018-11-12
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. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy   which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-06-05
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.