davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

I moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. 

I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and XXXX to obtain permission. 

After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt XXXX. The 1st one was from Sequium Asset Solutions , LLC on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from XXXX XXXX. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above 800 was now below 700 because of this false charge and I ended up getting a much higher interest rate because of this. 

Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NM)

In XX/XX/2020 I opened a checking account with US bank I have always kept my account in good standing paying off any fees deemed necessary by the bank. I have had continued problems with federal agents in new mexico illegally accessing my bank accounts. I recieved my child tax care credits in the account and every month I was calling US BANK because they would manually rearrange all the transactions in my account every single transaction. The bank would hold pending charges for up to a month or not collect on pending charges for two months I brought this to the banks attention they said they would investigate and they never did. I continuously complained about every charge in my account being manually adjusted and charges never posting or pending charges and not releasing the money back into my account l. I would make drive-thru deposits with the teller and they would even give me the wrong receipts so if I would deposit {$25.00} they would give me a receipt saying I deposited {$40.00}. I strongly believe it was for federal agents who didn't have a warrant and whom the bank was illegally letting access my account. Fast forward in XXXX I was overdrawn XXXX I never had a problem I filed for my income tax to go in there only to learn that my bank account had been closed I CALLED YOU A BANK AND THEY SAID THAT THEY DON'T CLOSE ACCOUNTS UNTIL 4 MONTHS AFTER YOU'VE BEEN OVERDRAWN MY ACCOUNT GOT CLOSED 2 MONTHS LATER WHY?
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Subject : Urgent : Unresolved ACH Transfer Return - Account # XXXX - CFPB Case # XXXX Dear America First Credit Union , I am writing to request your immediate assistance in resolving an unresolved ACH transfer return. On XX/XX/year>, I initiated a transfer of {$2500.00} from my XXXX XXXX account to my America First Credit Union account ( # XXXX ). This account has since been closed. 

America First Credit Union informed me that the funds were returned to XXXX XXXX on XX/XX/year>, and provided the following trace numbers : Received Trace Number : XXXX Return Trace Number : XXXX However, XXXX XXXX has confirmed that the return trace number provided is invalid and that they have not received the returned funds. XXXX XXXX requires the following information to investigate this issue further : A printout from America First Credit Union showing the returned ACH transaction. This printout must include a valid trace number, the return reason, and the receiving account 's ABA routing and account number. 
I have requested this information from America First Credit Union and was denied access to the ACH department. 

This issue has been ongoing since XX/XX/year>, and I am requesting your immediate assistance in obtaining the necessary information from America First Credit Union to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I opened a Checking and Savings account with Citizens Bank. 
The Checking account had deposits every 2 weeks and the Savings, with about {$15000.00} in the account was, left to gather interest. 
On XX/XX/XXXX, I tried to access funds in the savings account and was unable. That day, I drove to my local branch and they informed me that the Savings account had been " Frozen ''. The teller informed me that the local branch was unable to access or unfreeze the account and it must be done by Corporate. 
On XX/XX/XXXX -after a 1hr 2min call with Citizens Customer Service they informed me that the Savings account had be frozen due to " inactivity '' and that they would unfreeze the account. The account would be unfrozen at midnight on XX/XX/XXXX. 
The next day i went online only to discover i was unable to transfer money out of the account. 
On XX/XX/XXXX, around XXXX, I drove to the local Citizens Bank branch to access my money. The teller informed me that the Savings account was " Frozen '' and they were unable to access or even close the account. 
On XX/XX/XXXX -at XXXX, while still at the bank, I called Citizens Customer Service . After being on for 1hr 2minutes, the Customer Service Representative was unable to help me and hung up ( or i was disconnected ). Either way, very frustrating. 
On XX/XX/XXXX - at XXXX, I contacted Customer Service XXXX around XXXX, they informed me that they were able to Unfreeze the account, but that it would re-freeze at midnight that night! They informed me that a local branch could access my funds. 
On XX/XX/XXXX - around XXXX, while still on the phone with Customer Service XXXX i drove to a branch that was open until XXXX. The local branch confirmed that the account was still Frozen. The Customer Service agent on the phone informed me she must have been mistaken that the account was unfrozen and would need to transfer me to a supervisor. 
The Supervisor informed me that she did not know why the account was frozen! " Perhaps its just an error? '' she suggested, but that it would have to be unfrozen by someone in " the back-office ''. After a long time on hold, she informed me that they could not reach anyone in the back-office and that Monday someone should be able to help. 
The supervisor refused to send anything in writing or even provide an email address where i could write for help. The only thing she was willing to provide was there Legal notification " Citizens - Attn : Office of the Chairman '' One Citizens Bank Way, XXXX, RI XXXX As of today, XX/XX/XXXX, i still can not access my {$15000.00} and have no options except wait and hope that " someone in the back office '' is able to unfreeze my account!
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (MD)

I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification
Consumer complaint received 2022-03-13
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: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial XXXX XXXX required to purchase a home. 

Transunion : 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
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I had a account with Lexington law to monitor my credit doing so they upgraded my subscription to a larger amount and took off bad item off of my credit report that was not mine and charged me {$110.00} once {$130.00} once and I called them to try to resolve the issue and it was only able to get half of my money back and when they took the bad off of my credit my credit reported zero credit and now I have no credit score at all and can not obtain a credit score because of a bad item on my credit report that is not mine, every time I sign up for a credit card to get a small loan to build my credit it asked me a personal question of my last mortgage amount which I have no mortgage I don't have a last mortgage and never had a mortgage amount and they can not identify me due to that one bad item on my credit score. I am XXXX XXXX XXXX without a credit score and without any credit I don't have bad credit just no credit and don't know how to start to get credit because I can not get a loan due to these facts.
Consumer complaint received 2022-03-13
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates (NY)

I received two scam likely calls from XXXX. I received a third call today from a XXXX asking to speak with me. I responded with this is he and she asked to verify personal and sensitive information. I asked what this was in reference to and could I have the name of the creditor and she began to berate me, yell, and then hung up. I called back and the phone line says they are closed. 

I cant figure out what debt, if any, that I owe. I need help desperately. Thank you
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (IL)

I paid my credit card in full to make my credit limit fully available. No where on the payment screen or in the terms and condition did it say they would hold the availability of my funds for 14 days. I told them I have proof the payment successfully process on my bank account and still the company didnt want to make my credit limit available to me. The only other option available was closing the account. The reason for my complaint is this is a deceptive practice to put the consumers back against the wall to close out their card. How is it the only option you can offer is to close my card? Have I not been a loyal customer, paid annual fees for years? Now when its convenient to you the company, you want to force me out by not making my credit available after Ive paid in full? I smell foul play and this is not a good practice to have in place with your customers. This needs to be stopped.
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stephen Einstein & Associates, P.C. (NY)

I am responding to your contact about an alleged debt you are trying to collect. You contacted me by mail 3 times since my cease and desist, letter. XX/XX/XXXX and XXXX and again in XXXX of 2022 without providing proof of this fraud account and alleged debt you proceeded to send me a copy of a bill and that was your proof of identifying the debt as mines is by sending me a computer printout of a bill.
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-08-28
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (AL)

I did a balance transfer of XXXX from my XXXX XXXX XXXX  credit card to my Citi double cash credit card on XX/XX/2022. That amount was transferred to my Citi card but still reflects on my XXXX XXXXXXXX card. I have been in contact with both companies back and forth for XXXX weeks. Ultimately, the transfer was taken off a XXXX  XXXX bank card that does not belong to me. The last XXXX digits of that card are not even remotely close to mine. Citi card says its not their fault because XXXX XXXX XXXX cashed the balance transfer to them. XXXX XXXX XXXX card says its citys fault because they gave the wrong card number. I filed a dispute/investigation with citi. The only paper response I have received from them is that a dispute is open. By phone, they still advise it is XXXX XXXX XXXX fault. I filed a dispute with XXXX XXXX XXXX to which I have received no further communication. I have no idea which company needs to fix the problem but a month and half later this XXXX is still reflecting on both cards.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CO)

Hello- I am writing in regards to a charge made on my Bloomingdales account that was returned. However, the charge has not been reversed on my credit card account and I continue to receive calls from collections. I have called Bloomingdales XXXX  times. The first XXXX times, I was assured that the returned items had been received and would be credited on my account Order placed on XX/XX/XXXX ( Order number XXXX, {$710.00} ) Order received on XX/XX/XXXX Order returned first week of XX/XX/XXXX First call was made ~ XX/XX/XXXX Second call - XX/XX/XXXX Third call - XXXX XXXX, XXXX ( placed on hold for over XXXX minutes, I hung up after that time ). 

In the second call, I was assured by an agent that a supervisor would call me. I received no call. 

I am concerned that this issue is negatively impacting my credit. Please let me know if there is additional information that I can provide. Thank you
Consumer complaint received 2022-02-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

I've had Navient as my Student Loan Provider for almost a decade now. I've done a good job of making payments up until recently. I've been out of work and despite explaining this to Navient that continue to call and harass my phone and the home phone line. I'm getting over a dozen calls a day. Every time I speak to Navient they tell me they will note my account but I'm IMMEDIATELY called on my home phone after we get off the call. Despite speaking with them they continue to call every single day. It has become a drain on my mental health and is affecting the relationship with my parents because of the harassing phone calls. 

These calls are also being sent with some form of Auto-Dialer. You can tell because there is a pause on the line before someone starts speaking. They wait for you to answer before a live person is put on.
Consumer complaint received 2022-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

Im writing this email in regards to your customer service agents. On XX/XX/XXXX I made a phone call to your service center when I realized my direct payment wasnt removed from my account. I spoke to a rep and gave him all my information to make a payment and to be out back on the automatic payment. 

I looked again onto to my bank account and realized a payment never was taken out of my account for both XXXX and XXXX. Why? So I called your customer service center again and the rep then told me my mortgage switched to another lender. The kicker to this is my mortgage was switched Prior to my first original phone call. So now if begs the question why did the rep take all my bank account information and process a payment? Why didnt the original rep tell me this? I am now 35 days delinquent over two months which I had to pay at once. Im not sure if Covid messed things up and you had to hire unethical and unqualified people in your call center. Just want to be sure that this doesnt happen to other people and would appreciate some form of response from someone higher then a customer service representative. I will be reporting this incident to the XXXX and any oversight committees that control mortgage companies.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Schreiber Law LLC (MA)

Had Identity Thief in XX/XX/XXXX And XX/XX/XXXX By Criminals Movers Stealing All My Identity. And Opened Accounts Thats Never Got Letters From XXXX XXXX Saying. I Have All Your Informations You dont Paid Your Bills??. All The Names In The Feds. Supposed To Go To Court. Today XX/XX/XXXX XXXX But Woke Up Late. And The Clerk Was Going To Give Me A Warrant. Told Him I Almost Had A Crime In My House And The Court Did Nothing For Me??. Never Received A Letter Until My SSN Is Compromised. And XXXX XXXX And Her Criminals Friends Stolen All My Identity. Send Them A Letter Next court Date Is XX/XX/XXXX at XXXX : am