davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/XXXX I opened a " Huntington 25 Checking Account '' with Huntington Bank under a promotion to earn a {$500.00} bonus if you deposit {$15000.00} in funds within 90 days. Full terms below : To qualify for the {$500.00} cash bonus, you are required to open a new, qualifying Huntington 25 Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$15000.00} or more within 60 days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing CDs ). Person to Person payments ( such as XXXX XXXX are not considered a deposit for this offer. XXXX XXXX XXXX To meet the requirements of depositing {$15000.00} in funds in the account I made a transfer of {$2500.00} on XX/XX/XXXX, on XX/XX/XXXX of XXXX, and XX/XX/XXXX on {$5000.00} from my other bank account " XXXX XXXX XXXX XXXX Each of these transactions were coded as " Direct Deposit '' under " type ''. 

After 90 days I reached out to the bank to inquire why I did not receive the bonus and was informed I did not meet the requirements. Huntington made the determination that the transfers from XXXX XXXX Checking Account were not deposits but rather " P2P '' payments and as such were not " new deposits ''. There was no guidance or information that these payments would not be accepted as meeting the bonus requirements, especially since my account showed the deposits coding as " direct deposit '' This appears to be a case of the bank misleading the consumer to believe a bank to bank transfer would count as a " new money deposit '' by coding it as " Direct Deposit '' only to secretly be saying those transfers do not count as they are " p2p '' There is no way for a consumer to be aware of how Huntington Bank codes this type of transfer and it is reasonable that a prudent individual would expect transferring money from an external bank account to Huntington would qualify.
Consumer complaint received 2020-10-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USI Solutions Inc. (FL)

I HAVE IN THE LAST 5 DAYS RECEIVED SEVERAL PHONE CALLS FROM USI SOLUTIONS.  REPRESENTATIVE BY THE NAME OF XXXX CALLED AND I advised I did not owe this debt he insisted i needed to GET A PEN AND WRITE DOWN THE ADDRESS SO THAT I CAN SEND PROOF THAT I DID NOT OWE THE DEBT. 

HE THEN PUT A GENTLEMAN ON THE PHONE THAT WAS SCREAMING GET A PEN. 

I ADVISED THAT GUY I DONOT WANT THEM CALLING ME AGAIN HE REFUSED TO LISTEN TO ME AND DISCONNECTED THE CALL. 
i CALLED BACK AND ADVISED XXXX NOT TO CALL ME AND HE INSISTED ALL I NEEDED TO DO WAS GET A PEN AND WRIT DOWN THE ADDRESS I ADVISED AGAIN NOT TO CONTACT ME. 
call dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Portfolio Recovery, LLC (CA)

I am not positive of dates but I have submitted multiple disputes specifying the information was inaccurate and that the accounts were opened fraudulently ; but each time my credit score has only been negatively impacted by my pursuits. The results to each dispute continues to come back as accurate. The agency continues to deny my claims repeatedly, claiming that an investigation was completed.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

ON XX/XX/20 I FILED A DISPUTE WITH WELLS FARGO ON XX/XX/20 WELLS FARGO FAILED TO ADEQUATELY INVESTIGATE THE FRAUD CLAIM IN THE AMOUNT OF {$2800.00} INSTEAD THEY CLOSED MY ACCOUNT UNDER THE PRETEXT OF A BUSINESS DECISION. I AM NOW LEFT WITHOUT MY MONEY BECAUSE WELLS FARGO DOES NOT WANT TO ABSORB THE COST OF THE FRAUDULENT CHARGE OR PROPERLY INVESTIGATE SO THEY IMPROPERLY CLOSED ME OUT. THIS WILL HURT MY CREDIT AND NEGATIVELY IMPACT MY RELATIONSHIP WITH OTHER BANKING INSTITUTES. I HAVE BEEN UP ALL HOURS OF THE NIGHT TRYING TO FIGHT THIS BATTLE WITH THEM. ONLY FOR THEM TO HANG UP ON ME AND TELL ME TO TAKE IT AS A LOST BECAUSE WELLS FARGO DOES NOT RE-INVESTIGATE. EVEN AFTER I EXPRESSED TO THEM THE REP THAT TOOK THE DISPUTE DID NOT WORD THE DISPUTE HOW I EXPLAINED TO HER. I REQUESTED FOR THEM TO GO BACK TO CALL AND LISTEN TO THE RECORDING THEY REFUSE TO TELLING ME THAT NOT ALL CALLS ARE BEING RECORDED. THE REP PUT FOR THE REASON " I DID NOT REMEMBER MAKING THE CHARGES '' WHICH IS INCORRECT SHE WAS VERY DISRESPECTFUL AND WANTED TO BLAME ME FOR THE FRAUD BECAUSE MY PIN WAS THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER. WHILE SHE WAS TAKING THE DISPUTE I REQUESTED TO SPEAK TO ANOTHER REP AND SHE DECLINED. I TOLD HER THAT I HAD LOST THE CARD OR IT WAS STOLEN. I ASKED THE PEOPLE I WAS AROUND AND THEY DENIED USING OR HAVING POSSESSION OF MY CARD. SHE ASKED IF IT COULD BE ONE OF THEM I TOLD HER I AM NOT SURE I HAVE NO PROOF. WELLS FARGO HAD SENT ME A VERIFICATION FOR THE CHARGE AND I REPLIED BACK " NO '' AND THEY STILL PROCESSED THE CHARGE. THIS IS THE SECOND TIME THIS BANK HAS CLOSED AN ACCOUNT FOR ME ONLY TO WRITE ME 4 YEARS LATER AND TELL ME IT WAS A MISTAKE AN NO ERROR/FRAUD WAS FOUND ON THE ACCOUNT AND I COULD OPEN THE ACCOUNT BACK UP. I HAVE CALLED, EMAILED, AND REACHED OUT VIA SOCIAL MEDIA WITH NO LUCK. I HAVE ATTACHED THE DISPUTES AND ALSO ATTACHED A LETTER THEY SENT ME REGARDING A PREVIOUS ACCOUNT I HAD WITH THEM THAT THEY CLOSED ONLY TO WRITE ME YEARS LATER TELLING ME THEY WERE WRONG AND SORRY FOR THE INCONVENIENCE. ITS NOT FAIR THESE BANK ARE SCAMMING INNOCENT AMERICANS AND GOING AGAINST BANKING PRACTICES.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NE)

I have an account with PayPal.com. I have been trying to access funds in my account for well over a month. Every time I attempt to access my money or transfer to my bank I get an error saying that they can't verify it me. I have sent several emails aa well as messages through their website. I have tried calling over 100 times and I always get the same recording saying that they're to busy to take any calls.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

There are several errors/inconstancies in the way WFHM handled my mortgage payoff, which I have brought to their attention, and which they have not provided sufficient explanation or documentation to support their accounting of my mortgage payoff. 

Instead in a response to CFPB complaint XXXX they opted to outright lie. The XXXX rep assigned to the prior case never returned a phone call and I do not consider this matter closed.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On 11.14.2020 I've sent disputes regarding unknown and inaccurate accounts on my credit report. I haven't received any response it's over 30 days today. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2021-01-11
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-11
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: CITIBANK, N.A. (UT)

CBNA is reporting a debt on my credit file that is not mine! I recently checked my credit to start working on buying a home and noticed that CBNA was reporting a charge off. I have never opened an account with CBNA!! This account is fraudulent and needs to be removed from my credit. This is severely affecting me and it's not my debt! I suggest they find who this debt belongs and remove this account from my credit entirely.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERIS BANCORP (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NE)

The company finally contacted me after numerous phone calls, request for contact on their site, email to the company, XXXX  complaint, and finally a complaint submitted to CFPB. I want a payment applied to a specific line on my account. I traded in a phone to XXXX which was financed using XXXX finance. They are refusing to apply a payment to the line of the phone I traded in because I have a line in which is deferred interest rather than waived interest, claiming it is in my best interest to apply the payment to the deferred interest line first. However, the deferred interest credit line does not come due until XX/XX/XXXX, of XXXX, and has a balance of only {$720.00}. If I wanted to I could make that payment today. In reality, I didn't need to finance that purchase in the first place but at 0 % for 2 years why wouldn't I so I can keep my own money in the bank accruing interest for me. 

Additionally, we traded in my girlfriends phone back in XXXX and a supervisor at that time applied an additional payment to the line it was financed on rather than the deferred interest line and stated as a supervisor she could but a regular customer service agent could not. I have statements showing the payment was applied to the waived interest line rather than the deferred interest line. The lady I talked to even saw them but claimed the last supervisor was not supposed to do it. My XX/XX/XXXX statement is attached showing two payments on page 3, one for {$130.00} and one for {$53.00} going to credit lines XXXX and XXXX respectively, which as shown on page 1 of the XX/XX/XXXX statement also attached were waived interest lines. 

The lady refused to connect me to a supervisor stating she was a supervisor and her supervisor does not take phone calls. I then told her to have him/her call me to which she replied they don't make phone calls. 

So, they are forcing me to continue paying for a phone I no longer own because they refuse to apply MY money to MY account in the manner in which I want. This is absolutely asinine. I will make $ XXXX this year and hardly need these XXXX to tell me what is in my best interest financially. 

I am seriously considering contacting a lawyer.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a total of 5 letter to TransUnion regarding inaccurate information on the credit report. I have asked them several times to remove the XXXX Late payment from my credit report. They have failed to do so and completely IGNORED my request. They haven't updated my account in regards to the request. This is a VIOLATION as it has been FIVE months of trying to get this payment removed. Transunion is the ONLY bureau reporting the payment as late. If they did PROPER verification then it would be the same between all three bureau. A CLEAR violation. I also requested for them to remove addresses from my credit report that is inaccurate and they IGNORED my request. I will also be filing a complaint with the FTC and XXXX
Consumer complaint received 2018-10-23
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. (OH)

I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file TRANS UNION # XXXX, XXXX Report number XXXX, XXXX XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Attempting to have loan refinanced. Servicer on current loan is Ocwen Loan Servicing. Ocwen refused to give payoff amount to new lender on XX/XX/XXXX.  Called customer service today, was put on hold, and then line disconnected. Called back and office was closed, holding me hostage to their interest rate so that they can make more money.
Consumer complaint received 2020-12-21
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: WELLS FARGO & COMPANY (WA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/2020 Cash App closed my account with them for no suspected reason. In order for me to use the application furthermore, I had to cash out all remaining funds, unlink my email and phone number and then proceed to make a new account with the same information, in which I did, with the exception of using the same email. I used a different email for the new account in hopes that they may need accessibility to my original email for the previous account in case of re-opening. I did as instructed from their help section on their app. On XX/XX/2020 I received a Cash card merchant refund to the cash card that was associated with the closed account for an unpleasant stay with XXXX. I communicated to an XXXX  support ambassador that was assigned to my case prior to XXXX initiating the refund that the card that was used to book the reservation was closed and I had no access to that account. The Ambassador stated that XXXX can only refund the payment to the payment method that was used to book the reservation initially and that the recieving bank should either transfer my funds to my new account or mail me a check of the balance. After she initiated the refund, I contacted Cash App immediately to inform them of what was happening. They gave me one option called a merge and that was unsuccessful. They gave me another option of sending random payments back to recipients from the old account totaling the amount of the XXXX refund and then telling them to forward the funds back to my new account that is accessible. That was unsuccessful. Then they told to have XXXX recall the refund. I reiterated to them that XXXX can not recall the refund as with many other merchants. I reminded them that it is the financial institution 's responsibility to make sure the recipients funds are delivered to them. They said there was nothing they could do, they could not provide me with further information, my account was closed due to violation of their Terms of Service, and I would no longer be able to acccess the account or the funds. When I asked them what would happen to the funds since I can't retrieve them via their end or via XXXX, they did not respond with an answer to my question but instead just kept saying I will not have access to my funds for security reasons. Throughout the emails ( there is no live support ), they kept giving me false hope and the run a round with retrieving my funds. I just want my money. XXXX refunded {$680.00} and out of that, there is {$680.00} as a remaining balance on the card. I have contacted many agencies about this issue in the hopes that someone will help me. I am tired and need my funds.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

Date : Thursday XX/XX/23 at XXXX XXXX Amount : $ XXXX Subject : Urgent Issue with Loan Transaction History and Incorrect Balance Reporting I need immediate assistance regarding my student loan account. Following a recent system migration notification, my transaction history vanished, rendering it " unreachable. '' Despite contacting customer support, the retrieval process is estimated to take XXXX days, creating significant inconvenience. 

Moreover, the portal displays inaccurate loan balance information, and EdFinancial is unable to provide past statements for verification. Despite having evidence of payments, customer service is not adhering to financial reporting standards. As a result, I am escalating the matter to CFPB before considering legal action. Please address this matter urgently.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I was not credited for some payments made by ACH. One of the payments was credited then almost 2 weeks later reversed. I called numerous times to inquire and the customer service reps were unable to tell me what happened or why. So, in writing I requested an audit of the loan.I never received a response back, then they sued me for Breach of Contract. They also had a repo come and take my truck. I went the next day and got the truck back, because I am the Secured Party and have first lien rights to the truck. I am a Secured Party Creditor.This was XX/XX/2018. In XX/XX/2018 I submitted a Bonded Promissory Note for XXXX to discharge the full amount they said was due. Almost 1 full month later I received a letter from them that they do not accept Bonded Promissory Notes, but they did not send it back to me. If they don't accept them, they should have returned it within 72 hours according to REGULATION Z TRUTH IN LENDING ACT. Instead, they sent me a copy of it. So, I wrote them again, requesting the instrument back, un-endorsed, if they don't accept them, they need to send it back. They did not. I wrote them 2 more times requesting it back, no response. In the meantime, there is still an open court case, 2 years later. They are still reporting it on my credit report. I wrote to the attorney representing them, notified them that I had tendered payment 2 years ago and was never credited. They have never responded. Also, the Uniform Commercial Code / U.C.C. 3-603 states that when Tender of Payment is made and is refused THERE IS DISCHARGE. Even if they never credited it, they received it, admitted they received it, so I should have been credited for it. I just want this thing resolved. I don't think it's right for them to take me to court, do nothing, but keep the case open and keep reporting it on my credit. I would really appreciate some help. Thank you
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I had an account with Edfinancial where I could log in, see what I owed on my federal loans, and make payments. Edfinancial moved all of their accounts over to a new online system starting in XX/XX/XXXX and mine got lost in the process. 

I have tried numerous times to log in online with my social security number and other information and I keep getting told that they can't find an account associated with me. They removed their old portal so I am unable to find my old account information to see if they can find it that way. I have called them multiple times to find out what happened. I have been told more than once that they would get back to me in 3 business days with my account information and they never did. The last time I called them ( a few weeks ago ), I was told that I needed to wait until they transferred my account over to their new system. When I asked how long that would take, the representative couldn't give me an answer. She told me not to worry about it, and that I wouldn't be responsible for a payment until that happened. 

However, Edfinancial is sending me all of these emails stating that I owe them money for my first two payments. They are able to tell me how much I owe. They are able to locate my information to be able to send those emails, but somehow still can't find my information in order for me to log in and start actually paying. 

I am extremely frustrated over this situation. Interest is accruing over the full balance in my account, which means that I am going to owe them more money in the long run. It feels very predatory and deceitful, especially when I am ready to start making payments and had an account with them up until recently. Additionally, I qualify for the PSLF program and can't get that started because I need my Edfinancial account information to use for my application.

If anyone is able to help, that would be wonderful. I have tried my best to work with Edfinancial and they have not been responsive. I feel like I am being taken advantage of and just want to sign up for the PSLF program. Thanks!