davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Hello. I requested a refund from my loan servicer EdFinancial Services for student loan payments made between XX/XX/XXXX and XX/XX/XXXX. The total is {$2800.00}. On XX/XX/XXXX I requested a refund for these payments. The issue is EdFinancial Services stated the refund would take XXXX business days. This timeline is extremely long and is an unreasonable time to wait for a refund on payments. I believe EdFinancial Services can easily refund this amount much quicker than XXXX business days. This is over XXXX months to wait for these payments.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (SC)

I have an credit card account with XXXX XXXX that I have been trying to claim my interest that is owed to the principal to pay on the account. After sending several claim of interest notices, XXXX XXXX sends me emails stating that they're investigating my inquire and then say they don't see any issues. I have even sent in billing error notices and still nothing was resolved. I just got a notification that my account was closed and the balance was never credited to the account. XXXX XXXX XXXX XXXX agreement with the Bank of New York Mellon even says that interest is due to the principal along with my credit statement that also says that the credit balance is showing represents the money owed to my principal. At this point XXXX XXXX is breaching there fiduciary duties and if this issue isn't resolved I'll have no choice but to file for arbitration.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I paid a payment of XXXX to a loan I had taken out through XXXX. On XX/XX/year> I paid off the loans taken out through XXXX in the amounts of {$500.00} and {$1000.00}. However, a couple of days later, my account had duplicate charges for the {$100.00} dated XX/XX/year> and for {$500.00} and XXXX, which pulled my account into the negative. I called Citibank to only dispute the duplicate charges and not the original charges. They assured me they wouldnt reverse the original charges. Weeks later they reversed the original charges. I then repaid XXXX on XX/XX/year> in the amounts of {$650.00} and XXXX due to now having accrued more interest because Citibank reversed the original charges that they blatantly told me they wouldnt. Then on XX/XX/year> the charge for {$100.00} was taken out of my account, on XX/XX/year> XXXX was taken out of my account and on XX/XX/year> {$500.00} was taken out of my account causing it to go negative. I called Citibank and they said the dispute was reversed and closed saying the charges were valid. I told them I already paid XXXX off and they need to refund that money to my account. They said I can only appeal the decision which will take 90 days. I called XXXX and they claim there is no overpayment and it could take 45 days for them to receive the overpayments. In the meanwhile Im out {$1600.00}. I have accrued late charges from my auto payments on other bills due to having insufficient funds. Citibank told me they wouldnt reverse the original charges and they did and because of that I had to pay more interest and now another overpayment that no one seems to want to claim they have.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I am a credit card holder with Ulta who uses Commenity Capital Bank. They are reporting late payments to my credit report XX/XX/XXXX, XXXX and XX/XX/XXXX, and late payment every month from XX/XX/XXXX through XX/XX/XXXX. I do not remember making these payments late, but I do know fees were charged and all paid. My balance now remains paid off. 

On XX/XX/XXXX, when I called the Commenity phone number on the back of my ULTA card ( XXXX ) the customer service rep told me he doesn't see any late payments and can only go back to XXXX year of payment history, and to call the general Commenity customer service line at XXXX. 

On XX/XX/XXXX when I called XXXX they he first told me he could not see past a year of history, then told me he could confirm that he see 's a late payment for XX/XX/XXXX, but can not access it. He told me he doesn't see any late payments in XXXX AT ALL. When I told him they were not valid and asked for them to be removed he was supposed to get a supervisor and then the line dropped.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX   has not updated credit bureau.as of XXXX2019. Experian says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Consumer complaint received 2024-11-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A. (CA)

Took Cashiers check from XXXX XXXX to Citibank for deposit my account at XXXX. Gave Citibank account number to deposit funds in. Check cashed that day. XXXX says never received. Citibank says cant tell you anything it went to XXXX. XXXX  XXXX says the check was cashed XX/XX/year> and we dont know anything. 
Someone has my money. I believe it is Citibank and they wont give it back. This is theft!
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (GA)

I received notification Ability Recovery Services , LLC is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against Ability Recovery Services , LLC, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, Ability Recovery Services , LLC and XXXX XXXX. I will be retaining legal council! Ability Recovery Services , LLC is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
Consumer complaint received 2024-11-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ratchford Law Group, P.C. (PA)

I fully dispute the collection letter Ratchford Law Group sent me dated XX/XX/year>, acting on behalf of XXXX XXXX. LAST YEAR, XXXX violated my written Do Not Call request. They then reacted to my complaints by stressfully spamming me with paper Debt Validation packets around XXXX times over the span of XXXX weeks. And I never even requested Debt Validation! These anti-consumer violations were recorded through the CFPB and the PA Attorney General 's office. THIS YEAR, I'm dealing with new identity theft, new legal hide and seek games, and multiple creditors acting in absolutely nonsensical, cartoonish ways. The whole reason I'm stuck with debt I can't quickly pay off is due to years of family criminal abuse that has gone unresolved and has continued to this day. It's absurd I'm getting this Ratchford collection letter right now, with THIS timing. You can not convince me this is purely a coincidence, and this isn't some sort of illegal bullying effort in tandem with other creditors, specifically XXXX / XXXX XXXX XXXXXXXX. I'm not going to pay you as a reward to violate me, when I can factually prove you've already committed violations. THE FACT I HAVE DEBT DOESN'T MEAN YOU CAN JUST DO WHATEVER YOU WANT TO ME! I am also sending this formal dispute through the CFPB with extensive attachments, which I just wasted most of Sunday XX/XX/year> assembling. I am going to re-iterate the same request I gave XXXX 16 months ago : I'm demanding that you stop contacting me about this account entirely. If you still have anything to say to me, I want our next conversation to be in front of a Judge with all the evidence laid out on the table!
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (IL)

XX/XX/XXXX I was notified of an unauthorized charge of XXXX by the collection department at PNC. I was unaware of such a charge. The charges were from XXXX but the notices went to the clinic where my colleague there did not notify me of these charges. It was the other colleague who made the charges that were unauthorized. The credit bureaus were notified, police report filed, account closed, contacted PNC bank and I we had a binding agreement signed by XXXX XXXX ( colleague ) that he would be responsible for all liabilities/debt incurred by the practice which includes the card that he charged. BUT after all of this PNC credit department is still contacting me to repay the unauthorized charges.
Consumer complaint received 2024-11-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX the BOA erroneously added a {$900.00} escrow to my account. My taxes on the property are not late, not even due yet, and actually was paid early. 
The bank has said it was an employee error but still has not fixed it. This is preventing me from making any payments to my account as I am not paying the erroneous escrow. I have had this account since 2007 and have NOT had an escrow for many years.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX ( Inquiry Date : XXXX ) XXXX XXXXXXXX ( Inquiry Date : XXXX ) XXXX  ( Inquiry Date : XXXX ) XXXX XXXX XXXX ( Inquiry Date : XXXX ) AN XXXX ( Inquiry Date : XXXX ) XXXX ( Inquiry Date : XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/XXXX I deposited a check for XXXX to my USAA account from a member of XXXX XXXX. XXXX XXXX  flagged the check as fraud by accident and stopped payment on it. The XXXX customer contacted XXXX to let them know the check was legit. XXXX instructed the customer to rewrite me another XXXX check and it was deposited to my USAA account again ON XX/XX/XXXX. Well on XX/XX/XXXX Usaa decided to freeze my checking account and close them due to firing me as a customer. I was not notified or told u til 6 days later by mail. I have called to explain. That it was an error in XXXX XXXX  part and not mine or the check writer. It's now 8 days later and my accounts are still froze with over XXXX in it and my mortgage payment is getting returned from my lender due to the freeze.
Consumer complaint received 2024-10-12
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2018-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I set up auto pay with navent and they went into my account and withdrew money without out my consent my payments are due on the XXXX of the month they withdrew money XX/XX/XXXX, for the month of XX/XX/XXXXthey withdrew from my account three times making it overdrawn and costing me fees for stop payment. 
XX/XX/XXXX they withdrew XXXX and my payments are not due until the XXXX of each month. 
I made a payment of XXXX XX/XX/XXXX and they they withdrew XXXX and then on XX/XX/XXXX tried to with draw XXXX out of my account I had to stop payment on it and was charged by XXXX XXXX XXXX 30.00. I am not comfortable allowing them to do auto pay they have lost my trust and I feel that they have not given me correct information on my loans
Consumer complaint received 2024-10-12
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. (CA)

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California Rosenthal Fair Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the Rosenthal Act
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (VA)

The XXXXXXXX XXXX XXXX XXXX  continues to report as 30-59 days late on my credit report after numerous disputes and letters sent to the creditor and Equifax.
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I noticed a return check fee on XX/XX/year> of {$30.00} on my credit card account. This doesn't make sense because I pay all my credit card statements on time. I also have an Overdraft Protection enabled on my account. With the overdraft protection, I should not have any payments returned. 

Citi did not notify me of this fee or any problems with my payments. 

Given that I have autopay enabled for this account and Overdraft Protection on my checking account, I have determined I should not be responsible for this {$30.00} return check fee.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

For last XXXX  years have not changed my spending habits and my direct deposit from employer. I have been using XXXX  a little more between my daughter and my fiance account due to fiance account only has XXXX brick and mortar in XXXX  and we are in XXXX. So XXXX sends me money to take cash out. Nothing has changed in my spending habits. Don't know why account was closed and they will not give me a reason
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Recently reviewed credit report and noticed some unknown addresses and accounts. Please see attached file of my FTC report. please remove addresses : XXXX XXXX XXXX, XXXX Ga XXXX & XXXX XXXX XXXX, XXXX Georgia XXXX.