davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received an offer to open a business checking account and if I followed the terms of the promotion I would receive a XXXX deposit into the account which did not happen the term were open an account by XX/XX/XXXX and deposit XXXX into the account within in 30 days of opening the account and maintain that. Balance during the maintained period I would receive the funds 1. Make {$20.00} in qualifying deposit within 30 days of account opening I opened account on XX/XX/XXXX and made deposit on XX/XX/XXXX 2.maintain the balance during the maintenance period 3.the maintenance person begins 31 days after account is open XX/XX/XXXX and ends 60 days after account is open 4 make qualifying deposit into account business advantage relationship banking or business advantage fundamentals banking by XX/XX/XXXX my account is business advantage fundamentals. 
5 the maintenance period begins 31 calendar days after account opening and ends 90 calendar days after account opening. 

I opened the account on XX/XX/XXXX 31 days would be XX/XX/XXXX and then would end XX/XX/XXXX. And after fulfilling the required daily amount on {$20.00} in deposits. I still have not received the {$500.00} credit from Bank of America. I called and spoke to rep XXXX with BofA XX/XX/XXXX he advised to go to financial center which I did. I made contact withXXXX XXXX and gave he a copy of the email she said she would have it researched and there was nothing she could do because I set this promotion up online and as of XX/XX/XXXX I still have not received the credit.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I informed XXXX, XXXX and Trans Union of my address which is HC XXXX Box XXXX, XXXX PR XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

On XX/XX/XXXX requested pay and representative provided current balance that included interest that has not accrued. The representative would repeat the XXXX interest rate and state it is what I signed up for. I have already paid XXXX, XXXX on a XXXX, XXXX loan. I am not understanding why I am paying for interest that has not accrued.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (GA)

My information was breached by Equifax. I have written them on XX/XX/2022 and advised them not to use my personal information nor private information without written or verbal consent.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: KEYCORP (PA)

I closed my account with KeyBank over 3 years ago and they had to pay me for overdraft fees that never existed on my account. So then they reported me to XXXX XXXX  company preventing me from opening an account with another financial institution. 

I spoke with XXXX  XXXX and she said it was a mistake however I received a letter stating that they found fraud on my account which is a lie. 

I have asked for documentation and they cant provide nothing but told me if I wanted to open an account with them I could. This is also affecting my granddaughter which her name was on my account.
Consumer complaint received 2023-06-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, Transunion, XXXX, XXXX, and XXXX XXXX about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XXXX, Huntington bank process a payment in the amount of {$14000.00} for a balance due to XXXX XXXX from a company called, XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX. 

I do not owe any money to XXXX XXXX. I have not lived at that place in seven years. Furthermore, I never had any business with XXXX  XXXX XXXX or his firm. 

Huntington Bank nor the company fraud alert department never notified me of any debt in any amount was being process through my account. 

Therefore, I will file an XXXX  complaint against Huntington Bank Legal department, I have filed XXXX against XXXX XXXX XXXX XXXX XXXX, with the CFBP.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (NC)

I was scammed by a person who has a business and help people get approved for apartments and housing if you credit is bad, she has awhole little app she advertises her work on and has a XXXX XXXX business account, long story short she scammed me out of XXXX for an apartment package, chime refused to give me my money back after i sent tons and tons of proof, chime wrote me and said my claim was denied and they would gladly send me information on how they came up with this determination, that was on XXXX they told me 10 days, then i wrote on XX/XX/31 they told me 10 more days but ignored my first few emails, i wrote again because they said 10 more days no later then XX/XX/XXXX, i emailed again and im being ignored, i believe chime doesnt have a reason on why they denied my claim because they have yet to show proof on why my claim was denied and i showed an substantial amount of proof of goods and services not being received
Consumer complaint received 2023-06-17
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)

See info below for errors and violations. XXXX is for TransUnion, XXXX and XXXX to delete this account permanently.
Consumer complaint received 2023-06-09
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: GOLDMAN SACHS BANK USA (GA)

I use my Apple card to make Apple purchases online in the amounts of {$710.00} and {$440.00} for a total of {$1100.00} on XX/XX/2022. I shipped the items back for a full refund on XX/XX/2022. Apple acknowledged receipt of one item on XX/XX/2022, and the other on XX/XX/2022. Apple issued refunds in the wrong amounts. I received {$610.00} and {$390.00} which totals {$1000.00}. I spoke with multiple Apple reps and a supervisor about the missing {$140.00}. I was told I would receive the missing {$140.00} but I never did. So I contacted Goldman on XX/XX/2022, to initiate a dispute with Apple. Goldman issued temporary credits for {$97.00} and {$43.00} which totals {$140.00}. And Apple issued the {$140.00} refund also on the same day Goldman initiated the dispute. The problem is Goldman reversed the temporary credits and then wrongly rebilled me for the same {$140.00} that Apple refunded. Additionally, they have wrongly reported the account as 150 days delinquent to the credit bureaus. I am requesting this account to be closed and both the billing and credit report corrected to reflect a zero balance.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

To whom it may concern : I had a loan with Nationstar Mortgage since 2010 I was selling my home and I missed 2 payments and had set up a repayment plan and paid the first of 3 installments. I had an offer on the house as it was for sale and talked frequently with Nationstar as we got closer to closing and even though I missed payment 2 of the payment plan I told them the closing date was just 15 days after the payment was due. Then XXXX XXXX from XXXX called to get payoff and all documents needed for closing, the day after that happened Nationstar all of the sudden put {$4700.00} in legal fees 5 days before closing after I had been in constant contact with them. No one from Nationstar or the Attorney themselves can justify what was done for the {$4700.00} XXXX also looked up my home and there was nothing started or posted about a foreclosure on my home. I have paid off this loan and am disputing with Nationstar about the fees but they are giving me the run around and are not providing any documentation as to what the fees went to. I admit I was behind but i was very open and honest with Nationstar and told them this was a done deal with the sale of the house and the way they conducted themselves and put the fees on right before closing was very questionable.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (ID)

I was denied credit, based on an Experian credit report. I quickly fill out a request for my credit report at experian.com/reportaccess, as stated in letter, and it gives me a timed out error message every time. I feel this is an attempt to block people from getting their credit reports. Error page is attached.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I made a one-time App purchase through the XXXX XXXX XXXX using PayPal as the source of the payment. XXXX XXXX XXXX asked which PayPal funding source I wanted to use. I specified a XXXX XXXX XXXX XXXX. The transaction went through with no error or other messages. I checked by PayPal account and instead of using the funding source specified, or even the preferred source, PayPal charged My XXXX XXXX XXXX Account that I use for business. 



I spent XXXX minutes on the phone with PayPal on XX/XX/XXXX after spending more than an hour on the evening of XX/XX/XXXX unsuccessfully trying to fix the problem using their website. At first, all three PayPal reps said that since the Debit card transaction was denied, they put the charge on my " most trusted '' funding source ( my business XXXX ). The last person I talked to, XXXX, an account manager, said it was XXXX XXXX  that selected the alternate funding source not PayPal, and I had to call XXXX [ I did try to call XXXX, but none of the 3 phone numbers I tried take you to a human being and I could not use the automated system because my issue was not on the allowed list of issues ]. After saying that PayPal considers acct XXXX the most trusted account, she said XXXX was able to see my various funding sources and selected a different funding source. 



There is a problem either way : either PayPal selected a different, non-preferred funding source without asking me if it was ok, or they allowed XXXX to pick a different funding source than the one I specified. If XXXX could not use the funding source I specified, I should have received an error message or a message asking me to change finding sources. 



With all 3 PayPal reps I emphasized how it was improper for me to have a XXXX Play charge on my Business Credit Card, but all three said there was nothing they could do to reverse the charge, even though XXXX showed it as still " pending. '' I told XXXX, if she did not reverse the charge and then use an authorized funding source to cover the amount, I would have no choice but to dispute the charge with XXXX as a XXXX Play charge could not stay on my Business credit card, and that I would contact you if appropriate. The charge is still pending, so I can't contact XXXX until it is final on Monday or Tuesday. 



I would rather PayPal undo their mistake and obtain the funds from an authorized source, but Pay Pal made it clear that there was no way that would ever happen, unless XXXX instigated the change ( but there is no way for me to get XXXX to do that ). 



I checked PayPal 's terms of service and I could not find any provision that allowed them to select an alternate funding source without permission. Whether it was PayPal or XXXX XXXX that changed the funding source, the action seems to be contrary to their communicated terms of service.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

I paid the balance in full XX/XX/XXXX for {$3200.00} I paid {$1.00} for the interest of {$0.00} on XX/XX/XXXX and had late fee reversed. The account balance was confirmed XXXX with no further payments due. Now im told i didn't pay {$26.00} in interest from XX/XX/XXXX & have been charged an additional {$41.00} late fee. I was on the phone for 30minutes with 3 different " account specialists '' who couldnt find my account, couldn't explain what happened and gave me a new number to call XXXX XXXX XXXX XXXX couldn't help me and transferred me again. That man was going to resolve it, put me on hold and after some minutes, another woman started all over again and couldn't see the previous notes. After confirming that this call center is based in the XXXX and hearing that the phone quality is terrible she sent me to the " escallation department ''. I spoke with XXXX and started all over again. Could barely hear him, he said he couldnt do anything and even if I paid the {$67.00} before the due date of the XXXX, he couldn't say if the balance would be considered paid in full. I asked multiple times for a manager or supervisor and was told there wasn't anyone to talk to. 
I was on the phone for over 1.5 hours with no resolution, poor costumer service, poor phone quality and being given the run around in addition to being charged fraudulently.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

I HAD A CHASE BANING ACCOUNT WITH COVID AND SLOW BUSINESS I WAS UNABLE TO MAINTAIN THE ACCOUNT. THEY OVER CHARGE ME WITH FEES AND HELP CHECKS UP FOR WEEKS. LIKE TO HAVE ALL THESE CHARGES CLEAR AND REPORT TO POSITIVE ACCOUNT.
Consumer complaint received 2023-08-21
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. (PA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (AZ)

If I recall right, it was around XX/XX/2020. My business partner, took me off our Navy Federal Credit Union business account, by fraudulent means, using my ID, my signature and my company email that he had access to. He created the XXXX emails so he could use mine. And convinced the bank to take me off our account, without verifying it was me. If we have to come into the bank to open the account and show ID and sign docs, would it be reasonable to ask to do the same, if I were to take myself off the account or at least do a zoom meeting to make sure it is really the person in question. Without a thought my ex-business partner committed fraud and the bank was sloppy in its handling of it. Due to the bank being negligent in their duties, to protect their customers. I could not get bank statements, to show proof that I paid a credit card off and now the credit card company did a charge off and it caused my XXXX score to go down and effected me to get other loans for business and personal use.
Consumer complaint received 2023-06-09
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. (IL)

On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX  XXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called XXXX XXXX on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (VA)

I made a payment in full to EdFinancial on XX/XX/year> for an amount of {$6400.00}, which was posted by my bank on XX/XX/year>. As of XX/XX/year>, I have received no confirmation or receipt of payment from EdFinancial, and my account balance is still equal to the full amount, despite my bank paying out {$6400.00} to the Department of Education on XXXX, XXXX. I worked very hard to save this money to pay off my loans, and I am still being charged interests and it is still showing that I have made no payments. My account continues to not be updated and I continue to be charged interest, which is affecting my XXXX XXXX and finances despite the fact that I was charged {$6400.00} dollars by XXXX but have received no record or proof of it other than from my bank.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I made a XXXX dollar loan payment on XX/XX/XXXX. The payment did not reflect on the account. I contacted the company and they said they were going to send me an email so I can send in the confirmation I received. Then on XX/XX/XXXX I made a XXXX dollar payment and received a confirmation receipt. On the website it shows I only made a XXXX dollar payment.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (IL)

Edfinancial services is reporting XXXX loans on my credit report as open, with balances and as current when those loans have been transferred to the company XXXX a long time ago. This is negatively impacting my credit score immensely. When I did an online chat with XXXX at Edfinancial services she told me that they report it as a XXXX balance which is not accurate. As I questioned why this is showing as open with a balance and why they have not reported it as a closed account she told me I would need to just file a dispute with the credit bureaus and would not answer my question or offer any assistance.
Consumer complaint received 2023-08-22
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. (CA)

I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX Please see my identity theft report and documents in the attachments.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (GA)

I sent EDfinancial a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm.

Since EdFinancial is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting