davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (OK)

I am treasurer of the XXXX XXXX XXXX XXXX XXXX. I discovered several fraudulent charges on our bank account and contacted our bank on XX/XX/year>. I talked to a banking representative as soon as I knew the charges went through. I filed a dispute report with the bank on XX/XX/year>. The bank has refunded several fraudulent charges made to an insurance company but refuses to refund others which were described as mobile payments to XXXX XXXX and charged by an unknown individual on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. They did refund one processing fee made by the unknown person to XXXX XXXX made on XX/XX/year>. The bank is saying that these had to be identified within 24 hours, which sounds very ridiculous. The issue is further complicated by the fact that we had a management company handling our affairs whose founder and manager XXXX  sometime during the week of XX/XX/year>. I was not told of his demise until XX/XX/year>. The business has subsequently closed. I have talked with several banks in my area and they are puzzled and incredulous of this policy. I need some assistance to understand why they have this policy for a 24-hour notification of fraudulent charges which should never have been allowed by the bank.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was told by Navient they were now my loan servicer since Sallie Mae stopped. I've had a Sallie Mae Stafford Loan since XXXX. I attended University XXXX XXXX XXXX to XXXX program in XXXX XXXX. Navient told me it was now a private loan and didn't qualify for any of Biden 's payment plan or reductions. I tried deferment, and recently paid off the XXXX dollar loan in XXXX. That's over 25 years of dealing with Navient and Sallie Mae. Navient kept denying my attempts. Even after stopping work with the birth of my child who has XXXX XXXX. I couldn't get Navient to listen to anything I had to say about the Stafford Loan. The just decided to change it to a private loan with no explanation. Please help if you can. I was over charged by Navient since they took over for Sallie Mae. Not sure of what year Navient took over my loan. I think it was about XXXX. So that's 10 years at least of payments and deferment requests and loan overcharges.i tried several times to apply for Biden 's loan relief, but Navient kept saying I didn't qualify. That wasn't true in their part, but I'm one nurse who couldn't fight them and raise a XXXX child at the same time.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Dear Citizens Bank, I am writing to seek clarification regarding an issue of identity theft and unauthorized account activity under my name. In May, I became aware of an account opened at Citizens Bank without my authorization, which was brought to my attention after a cashier 's check I had issued was fraudulently cashed through this account. 

I initially reported this issue to my bank, XXXX XXXX  and on XX/XX/year>, I personally visited the branch to process a forged endorsement claim. XXXX XXXX submitted the claim to Citizens Bank on my behalf, but despite this, they were not receiving any response from Citizens Bank. During this time, I also contacted Citizens Bank directly to inform them of the situation. It was at this point that I learned from Citizens Bank that an account had indeed been opened under my name in XXXX, and I was assured that an investigation was underway. 

Citizens Bank has since claimed that the forged endorsement claim was only received on XX/XX/year>. However, I am extremely concerned that, according to the bank statements provided by Citizens Bank, large withdrawals from the fraudulent account continued to occur between XX/XX/year>, and XX/XX/year>, even after the issue had been raised. This raises the question of why the account remained accessible to the individual who stole my identity during that time. 

Furthermore, Citizens Bank stated in their response that the account was opened in person and the signature card was signed. I have already submitted my identification documents, including my signature, to Citizens Bank. The signature used to open the account does not match my own, and given that Citizens Bank uses identity cards as part of their verification process, it should be evident that the person who visited the branch was not me, as my photo is clearly visible on my ID. 

XXXX XXXX has denied my request for reimbursement because Citizens Bank has rejected all of my claims, despite the fact that I have provided all necessary supporting documentation. Additionally, I received a copy of a check payable to the XXXX XXXX District Attorneys Office, with my name mentioned in the memo. I require further clarification regarding this matter as well. 

I kindly request that Citizens Bank provide a thorough and detailed response addressing all aspects of my concerns, as previous responses have omitted key points and lacked the necessary detail. I would appreciate a comprehensive reply that fully explains the situation and outlines the next steps for resolving these matters. 

Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX XXXX reviewed my credit report and found several accounts and addresses that are reporting in my account inaccurate. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec XXXX ( a ), you must complete this investigation within XXXX days of receipt of this letter. Please send an updated of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (VA)

I set up an automatic payment plan for a XXXX card, XX/XX/XXXX - XX/XX/XXXX. XXXX was agreed to be the month where the remaining balance would be deducted. XXXX payment was reverted. Company said it was taken out of my account and then put back in. No explanation why. As an XXXX XXXX military member at the time, the letters they sent me went to the wrong address and I received no other notification of this issue until my lender told me I would not be able to refinance my mortgage, as a XXXX veteran I was utilizing the IRRRL program and am no ineligible because of the hit this has created on my credit report. This is absurd and if they had contacted me directly, through phone or email I would have paif immediately. Please help as this is compounding and effecting my entire life now, all because I was XXXX XXXX military, returning from XXXX overseas and did not have a physical address.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Source Receivables Management LLC (SC)

I was a victim of a data breach with XXXX. I have found that there are some unauthorized inquires from XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source Receivables, XXXX XXXX XXXX XXXX  on my XXXX XXXX, XXXX and XXXX credit bureau that I did not authorize.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (GA)

I recently opened an IRA account and was transparent with the representative that I am facing a financial hardship and need to access my funds as soon as administratively possible. I was instructed to open an IRA savings account. After opening the account, I noticed on XXXX that the funds were available in my account, but I was unable to complete any transactions via the online portal. I was later informed that the funds were on hold until XX/XX/XXXX, despite not receiving any communication to that effect. 

On XX/XX/XXXX, I called to see if I could complete a transfer and was informed that, due to company policy, I can not withdraw funds for 60 days. This policy was described as coming from the " heads, '' " heads of heads, '' and " heads of deposits. '' However, I was given no explanation for why this policy exists at Discover, nor was I provided with any documentation or supporting evidence about it. I explained to the representative that I was not aware of this policy and had not been informed of it when I opened the account.
Consumer complaint received 2024-09-12
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: Nexum Group Inc (IL)

on XXXX  i subbmited a complaint to CFPB due to incorrect informatuon reporting on my credit report. nexus group put a bill for {$2300.00} on my credit report knowing this debt does not belong to me. The XXXX group is using unfair practices to get me to pay for a family members bill. The claim that they would delete this item from my credit report and close the case but that never happened. 



The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.
Consumer complaint received 2023-06-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IA)

Charged me {$90.00} for a returned check fee. This is ridiculous. These people call me ceaselessly all day long. When I don't answer their listed number, because I'm at work, they call from a bunch of other random Iowa telephone numbers. On average they call me 15-20 times per day. I have asked them not to call me but they still do.
Consumer complaint received 2024-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation (TX)

I XXXX XXXX XXXX tried to make a payment to One Main Financial located in XXXX XXXXXXXX XXXX XXXX today XXXX at XXXXXXXX XXXX the lady who called me was very rude and condescending towards me and even went as far as locking my online account so I wouldnt be able to make the payment for my account! I want someone to look into this unfair treatment towards consumers! I dont mind paying the loan but the way that business treats people is unacceptable.
Consumer complaint received 2024-09-12
Product: Credit 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: HUNTINGTON NATIONAL BANK, THE (IN)

I have charges on my debit card that I did not make. I went to the XXXX XXXX XXXX XXXX to get medication for my cat and must have dropped it in the parking lot. I have multiple charges after the Pet Hospital visit. I have already cancelled and ordered a new debit card. The XXXX XXXX is me as well.
Consumer complaint received 2024-09-04
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)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (AL)

Credit fresh debited my account on the following dates : XX/XX/year> - {$65.00} XX/XX/year> - {$65.00} XX/XX/year> - {$100.00} XX/XX/year> - {$110.00} Credit Fresh 's truth of lending states that payments will be posted the day they receive the payment. 

This also applies to XXXX Payments : ( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 

Credit Fresh does not post the payment until the next billing cycle. In the mean time, Credit Fresh charges interest and fees on the old balance during that time. By the time Credit Fresh applies the payment, the balance is has gone up making it impossible to ever pay off the loan.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$660.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

JCPenney is charging me {$2.00} ( Minimum Interest Charge Purchases ) each month unless I pay my balance in full by the end of my XXXX  Day Billing Cycle ( ie from XX/XX/year> to XX/XX/year> ) This means I would need to pay my balance beforeI get a statement ( I received it XX/XX/year> ). Previously I had no interest charge if I paid it before Payment Due Date ( XX/XX/year> ). I talked to their Customer Service, but was told I got a letter about it. It still doesn't make sense to be that I need to pay a bill before I receive it. I have historically paid each month as soon as I receive the statement. They recently changed to Synchrony Bank/JCP . Does this have something to do with this charge? On the Consumer Finance website under Synchrony Bank Rates and Fees Table JCPenney Credit Card it states that I have 23 days after the end of the billing cycle to pay my balance in full to avoid interest charges.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My debit checking account was withdrawn by chase {$4000.00} After talking to them they said it was a levy The lady gave me a number I called it and it was not working So I called my accountant and we both got on a call with XXXX XXXX & they said I don't owe anything
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX XXXX XXXX, i was notified XX/XX/2023 that a replacement card was sent to my address. I waited on the card and it did not show up. I then later recieved a Link sent to my phone from Bank of america stating i needed to verify charges to recieve card. I knew somthing was wrong because i havent made any charges on my account. I latered contacted Bank Of America to find out my account was drained of my Funds. Later after the phone call My User name was Randomly sent to me. I logged in after changing the password to see how the money was taken. PLease check the trasnfer account, i have made none of these charges.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Prosper Marketplace, Inc. (TX)

I was given a summons to appear in court to answer for a debt from Prosper Funding LLC in the amount of {$15000.00}. I allegedly took out a loan for said amount on or about XX/XX/XXXX. On or about XX/XX/XXXX, he contract was turned over to XXXX XXXX XXXX to handle the delinquent loan. 
I dispute this entire " loan ''. My credit back in XXXX was extremely low, so it seems highly unlikely that any entity would have granted me the amount of {$15000.00}. What's more, I have never had any dealings, good, bad, or indifferent with Prosper Funding LLC. 
As of this date, XX/XX/XXXX, with the exception of the summons, I have not received from Prosper Funding LLC and Crown Asset Management, a single letter, email, or phone call. 
This is a complete fraud and I have had no business with Prosper Funding LLC or Crown Asset Management.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (TX)

I did not grant permission to these entities to access my credit report, nor did I apply for any credit or services that would necessitate such inquiries. As such, these inquiries were made without my consent and are fraudulent.I kindly request that you investigate this matter to ensure that these unauthorized inquiries are removed from my credit report. 

I have also contacted the relevant credit reporting agencies and the companies involved in the inquiries to dispute these entries.
Consumer complaint received 2024-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (TN)

Sent mortgage assumption, assistance documents to mortgage company XX/XX/XXXX, and XXXX, 2024 again XXXX. Spoke to XXXX XXXX XXXX I will have to go through Life Events Team questionnaire to see if I qualify to be the successor in interest. 
Spoke to XXXX in the Outreach Dept. XXXX XXXX, 2024, she was unwilling to give me the status of mortgage assistance. Requested a supervisor was transferred to XXXX in Escalations. Stated there is still a foreclosure scheduled on the property for XX/XX/year>. Sale date would not be canceled until all documents are accounted for and review is complete. He advised I should send the documents to the email in Escalations at XXXX. Documents were emailed for XXXX time XXXX, 2024. 
Chase is giving me the run around, incorrect information trying to make me lose my house to foreclosure.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (MI)

I received a call around XX/XX/year> about the debt and before I could say I was me the person said my last four fights of my social security number my sister even heard her. It was awful because I was young when this happen but why say my social what if I wasnt the person she was calling for.