davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

We sent a wire transfer yesterday for a piece of equipment. We had received the invoice with the wiring instruction in an email from the vendor. The vendor claimed to not received the funds. They said that the invoice had been hacked and changed to a fraudulent account. I called my bank, it has been less than 24 hours. They said there was nothing they could do. I have been on hold the the receiver bank, XXXX XXXX for 2 hours now.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am reaching out to you after having an issue with Citizens bank. I had {$14.00} dollars in my savings account. After making a {$7500.00} transfer on XX/XX/year> there should have been a remainder of {$7000.00} dollars in my account but it all disappeared. I immediately transferred the {$7000.00} back hoping it was a glitch and I would see {$14000.00} in my account again. Waited a day or XXXX hoping everything would get settled but it did not. I've called the citizens bank customer service number several times now to explain what happened and asked for their help with no resolution. They keep giving me the run around and are trying to convince me that the money was correctly allocated. 

I am a busy mom and work full time. I do not have the time or money to pay for a lawyer to go after the bank. I would appreciate any help or advice you have for me. 
This is my hard earned money that I have been saving over the years for emergencies. I have been in distress and anxious praying every night they would return my money. 

Would you kindly help me investigate what happened to my money or provide any advice on how to proceed with this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

Care Credit used and accepted by healthcare providers and managed by Synchrony Bank let 's you pay for say tooth implant with interest free payments. They put you on a payment plan for 18 months that's interest free. You would assume that they put you on a plan that would pay off the debt in 18 months but that is not the case. At the end of 18 months you get hit with a huge interest payment. $ ( XXXX ) in my case because the total amount had not been paid off. However, they set up the payments so they put you on a plan that they know will not pay off a balance and then they don't alert you to the amount of interest you will be hit with when the " promotion '' wears off. This is particularly predatory because it is in every doctors office, dentist, dermatologist office and they are preying on people who are particularly vulnerable. 

I did not get a notification that the plan was about to end and I would face a huge interest rate payment
Consumer complaint received 2024-10-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

I am constantly getting in collections from XXXX XXXX from different collections agencies. I am unaware of why I have a XXXX XXXX collection and I have never applied for them. I need this off my collection from all 3 credit bureau.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to Transunion for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Transunion confirmed that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the Deputy Clerk stated that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Transunion.
Consumer complaint received 2022-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LendingPoint Holdings LLC (GA)

Last month was contacted regarding a loan approval and wanted online banking information ; I declined and hung up. Today XX/XX/XXXX XXXX XXXX called from Lending Point XXXX to tell me my loan application was moved to their unsecured department and was approved and needed to verify my bank information to send deposit. I had applied for many loans and he sounded legit, I even looked up the company online as we were talking. I agreed to give him the info as he confirmed he was just taking a screen shot and I could change my passwords afterwards. I was then transferred to XXXX at direct line XXXX ext XXXX to go over terms. Was told a good faith deposit would be deposited and I would then send back to them and the entire loan amount would be credited within 45 minutes. I got off phone and felt odd about it so I called the number from the website. They are in GA and couldn't find an account for me. Then I get a call back questioning why I changed my password before funds were deposited and he wanted to send the verification by cashapp. That deposit failed ( from $ XXXX ). Yes, I felt it was wrong but I'm in a financial bind now I feel I should cancel both my checking accounts, one I gave them online banking info for and the one linked to my cXXXXp as well as get a new XXXX. XXXX 's ext was XXXX.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

In XXXX of 2021, I received a signed letter from XXXX  XXXX the District Manager of the Bankruptcy Court of XXXX stating that they do not furnish information to the Credit Reporting Agencies. She clearly stated that you can access the information for a fee of XXXX} on the XXXX  website or you can use the public terminal at the courthouse free of charge. 

On XX/XX/2021, I got results back from CFPB Case # XXXX in which I disputed this same bankruptcy with XXXX who is the vendor to all three major Credit Reporting Agencies . The results were this : Our records show on XX/XX/2021 and XX/XX/2021, XXXX XXXX also contacted the XXXX Consumer Center directly, in which he wanted to dispute the reporting of the same bankruptcy record. 
Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/2021 If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX was my insurance back in XXXX, I cancelled after 6 months because I went bankrupt, cancel my insurance via phone and via email to my agent at that time XXXX XXXX, Well their receptionist told me I could not cancelled that I needed to send a letter to XXXX, and if not they were going to ruined my credit, i mailed a letter of cancellation to XXXX XXXX and I specifically told them I did not gave XXXX XXXX permission to sell my information to any 3rd party. The office from XXXX XXXX closed and forget to cancelled my insurance. 
I was not even driving and returned the vehicle back to dealer.Well 3 1/2 years letter and they sold the so-called debt to Credit collection Services without my permission and now they are calling me constantly and sending me letters to paid the {$1300.00} that supposedly is owed to XXXX XXXX for the cancelled insurance from XX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have student loans from about 15 years ago. They were set to go back into repayment in XXXX. I called Mohela in XXXX and explained that I am a full-time student enrolled at XXXX XXXX XXXX They stated they needed that information from my school to confirm my enrollment. My school updates student enrollment information to the XXXX XXXX XXXX every month. Mohela received that information at least twice between the time of that contact and XX/XX/XXXX when the first payment was due. On XX/XX/XXXX, I realized that my account showed I still owed the payment. I attempted to call Mohela and opted to receive a callback from their customer service. When they called back, my phone rang for exactly two seconds and went to voicemail before I could answer it. I went to their website and sent a message about the issue and also uploaded a document I received from my registrar confirming my enrollment. I never heard back from them. I am still getting communications from Mohela requesting payment and stating that my account is past due. They are currently servicing an additional loan for this semester in which I am currently enrolled but can't understand that I am a student who is currently enrolled. I don't even have the words to express how absurd this all is.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have a checking account with Citizens Bank N.A. which has been dormant since XX/XX/XXXX. ( There was a {$10.00} balance to keep the account open for possible future use. ) Beginning on XX/XX/XXXX and unbeknownst to me, a number of charges from XXXX were presented for payment from my account, in the amounts of {$24.00} ( 2 ), {$29.00}, and {$47.00} ( a total of {$120.00} ), from XXXX for magazine subscriptions I had on auto-renewal. ( All previous payments to XXXX for XXXX were charged to my " default '' funding source on the app ( an account I have with XXXX XXXX XXXXXXXX XXXX ). 

They were ( understandably ) declined by Citizens Bank for insufficient funds, and my account was charged for Returned Item ( {$35.00} each ) and Sustained Overdraft Fees ( {$30.00} each ). The charges were apparently attempted multiple times between XX/XX/XXXX and XX/XX/XXXX, resulting in my incurring {$440.00} in such fees in less than a month. I had no knowledge this was occurring because I haven't used the account in over 2 years. 

I was surprised not to have had any notification from the Citizens Bank Fraud monitoring department for this flurry of activity on a dormant account. 

XXXX was unable to explain why recurring amounts previously charged to my XXXX XXXX account were suddenly being charged to my Citizens Bank account. They said there could have been some issue with XXXX processing ( though NOT for insufficient funds in the XXXX account ) or, more likely, a " security '' issue, which I explained to the Citizens Bank representatives with whom I spoke. 

I called Citizens Bank on XX/XX/XXXX to ask for help in resolving this problem. None of the THREE representatives with whom I spoke - one from Collections, one from Claims, and one from Retail Customer Service - offered any resolution except to remove 2 of the Returned Item charges as a " one-time courtesy '' despite this clearly being a mistake/misunderstanding. I was told there was no further way to " escalate '' my problem or to speak with someone who had more authority than the front-line telephone representatives, so I am filing a complaint through CFBP and, if necessary, I will file additionally with the FDIC and State Attorney General. 

This is unconscionable and predatory customer service, assessing over {$400.00} in 21 days - without notifying me- all because of {$120.00} in charges which I explained were clearly mistaken and which I had no reasonable cause to anticipate. 

I have attached bank statements between XX/XX/XXXX and XX/XX/XXXX showing the {$10.00} balance carried monthly with no activity on the account for these 27 months. In addition, I have included the XX/XX/XXXX statement when the charges starting appearing, as well as " screenshots '' of the recent activity ( i.e. more charges and fees ) from XX/XX/XXXX through XXXX.
Consumer complaint received 2022-03-12
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. (GA)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2022, deposited check to teller for XXXX. Learned next day teller deposited into wrong account. After calls and in person visit to Wells Fargo branch manager, I was told the money would be in my account next morning and the owner of the account went into would never know what happened. The next morning money was not my account and this personal check made out to me has cleared out of the account of person who wrote me the check. I told Wells Fargo I would file complaint. The response of the teller was " do what you have to do. '' This is XX/XX/2022 and money is not in my account nor does it show pending.
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (AZ)

As of XX/XX/XXXX ; My last payment of {$3500.00} was received by the online loan company XXXX XXXX XXXX XXXX ). But, they are saying that I still have a pay-off amount of {$1500.00}. That's impossible, seeing that my original loan was {$3500.00} when the loan was awarded at the end of XX/XX/XXXX. XXXX has been reporting the balance incorrectly for months. This loan has no amount due, since the XXXX pay-off. They refuse to provide an account payment history/details online or a written statement. Showing how much interest is being charged and what the true account balance is after or before a payment. It seems that their accounting records are being falsified.
Consumer complaint received 2024-10-16
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. (MA)

Subject : Formal Dispute Regarding Inaccurate Reporting by TransUnion and XXXX for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXX credit card account, [ account number : XXXX ], as reflected in my TransUnion and XXXX XXXX reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : TransUnion and XXXX Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : TransUnion and XXXX are incorrectly reporting XXXX late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both TransUnion and XXXX have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act. 

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both XXXX and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines. 

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off. 

My Attempts to Resolve the Issue : I have contacted XXXX XXXX regarding the incorrect information, but they refused to correct the issue. 
I have submitted multiple disputes to both XXXX and TransUnion, requesting them to verify and correct the reporting errors. However, they have failed to fix the problem and have not responded to my requests for details regarding their investigative process, further violating their obligations under the FCRA.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I missed several payments due to my financial circumstances. My account was restricted. I have made many payments since then and was notified over the phone that my account restriction is permanent. I have not been notified as to why this is permanent. I have paid thousands towards this card with a very high interest rate and now I cant even use it.
Consumer complaint received 2024-10-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. ()

In XXXX of XXXX, my sister received an EIP card enabled by Money Network. She never activated the card and died in XX/XX/XXXX. 

In XXXX of XXXX, I called Money Network and was told that the {$1400.00} dollars associated with the card had been transferred to a " personal account at a financial institution '' on XX/XX/XXXX. 

I immediately informed Money Network that neither my deceased sister nor myself was responsible for the disputed transaction. 

Since my assertion of fraud, Money Network has refused to admit their error in the transaction and has not contacted me in furtherance of a real investigation and resolution to this matter.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP (OR)

My mortgage with US Bank was sold to XXXX XXXX. When I went to pay the XXXX XXXX payment there was a {$450.00} fee added to my payment. XXXX XXXX could only tell me that US Bank had charged a fee that I owed. US Bank said that it was legal fees related to a foreclosure from XXXX and XXXX. I have never made a late payment. They can't explain the reason for the fees. 

I have attached the email chain I received from US Bank saying that this is a common problem, and they don't know what the fee is for.
Consumer complaint received 2022-02-17
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. (PA)

I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.