davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

I am writing to express my deep dissatisfaction with the service I have received from US Bank. Upon deciding to close our account with XXXX XXXX XXXX XXXX XXXX XXXX US Bank as an Escrow ), I was not provided with any clear guidance regarding the subsequent steps with US Bank. I was simply told, " someone from US Bank will reach out 30 days after the XXXX account closure. '' Since US Bank 's last communication on XX/XX/XXXX, when I was assured the account would remain open until further notice, I have received no updates or instructions. 

To my alarm, I discovered today that US Bank has ceased sending automatic ACH payments to my business account without any prior notification to me that this would happen. Upon contacting a representative, I was informed that reinstating the automatic ACH payments is no longer possible. There was no way to execute an ACH transfer on the online dashboard, nor could any representative execute an ACH transfer from US bank to my account ( the same account they've been transferring to for over a year ). For a XXXX XXXX XXXX XXXX  this disruption is severely detrimental to our cash flow. What is particularly concerning is that, at no point, was I informed that ACH payments would be halted once the relationship with XXXX ended. The lack of transparency and the resulting situation is unacceptable. 

The suggested solution of using paper forms and mailing processes to resolve this is both inefficient and impractical. I expect immediate action to be taken to rectify this situation. I require access to my funds, which are effectively being held without my consent, and I would like to discuss the necessary steps to permanently close this account. 

They were sued for this during COVID and fined {$36.00} XXXX, but they continue to utilize the same practices. They are holding my money hostage and hugely disrupting the cash flow of my small outpatient psychiatric practice. I have now spoken with several representatives from US bank, was assured that forms to request a cashier 's check would be e-mailed, but all I have received in e-mail is another e-mail for a new representative saying he'd contact me soon to close my account. I have not been able to move forward with US bank to access the tens of thousands of dollars they are currently holding hostage.
Consumer complaint received 2024-10-17
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: Rent Recovery Solutions (TX)

I am a victim of identity theft I have sent numerous of letters to XXXX because they have been reporting XXXX accounts that are a result of identity, theft and fraud. This company continues to report false information on my credit report despite being sent. They continue to violate my rights as a consumer by reporting in accurate information, despite being sent the proof. Rent recovery solutions is another account that is reporting false information to an address that I never lived at. They had also been sent a letter as well and they refuse to remove this account instead they keep removing this account and re-adding this fraud account to my credit report. 

Rent Recovry Solutions Accounts XXXXXXXX {$1100.00} XXXX {$580.00}
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Countrywide XX/XX/XXXXXXXX and XX/XX/XXXX were found doing predatory lending which was misleading that lead to collapse of both companies and the housing crisis onXX/XX/XXXX. My current loan is a product of it and I want it rectified.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

MERCHANTS ADJ SERVICE Reported : XXXX. XXXX, 2024 - {$1200.00} XXXX XXXX XXXX XXXX MERCHANTS ADJ SERVICE Reported : XXXX. XXXX, 2024 - {$530.00} Needs Attention XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC. (NJ)

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking 2.5hrs of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I have a flag on my credit report showing I owe a debt from a company I have never heard of- AMSHER COLLECTION SERV for a {$200.00} debt. 

I have not received any notices in the mail or any calls or emails regarding this debt. I have never not paid any of my debts so this seems fraudulent. 

I disputed this with XXXX  and called the collection agency where they told me to call a lawyer called XXXX XXXX.
Consumer complaint received 2024-10-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SYNCHRONY FINANCIAL (MA)

I have an amazon account and payments are sent to Synchrony Bank. In XXXX they took XXXX payments out in the amount of XXXX to close out my account with Amazon. I have called numerous times, put on hold for XXXX knows how long, they telling me that they will send me a check, but to no avail.. I sent this check out on XX/XX/year>. I am on a fixed income at XXXX XXXX XXXX, and I depend on that money. 

I appreciate all you can do to help me. 

XXXX XXXX
Consumer complaint received 2024-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am formally lodge a complaint regarding the management of my student loans previously serviced by Navient. My concerns stem from a series of issues, including : 1. Misleading Forbearance Advice : I was repeatedly placed in forbearance, which was misrepresented to me as the best option for managing my loans. This has resulted in a significant increase in my principal balance, which I believe to be an unfair outcome.

2. Incorrect Reporting to Credit Bureaus : Despite being placed in forbearance, my payments were reported as late to credit bureaus, negatively affecting my credit score.

3. Inability to Release Co-Signer : My co-signer passed away in XXXX  and despite my numerous attempts, I have been unable to have their name removed from my loans. This has caused unnecessary distress and complications in managing my loan obligations.

4. Public Service Loan Forgiveness ( PSLF ) Denial : I have attempted to apply for PSLF multiple times, but I was continuously informed that my loans were ineligible. I believe this guidance was misleading, and I may have missed out on a valuable opportunity for forgiveness. 
5. Ongoing Harassment : Despite my loans being transferred to another lender, I continue to receive calls from Navient representatives regarding my account. This is unacceptable and disruptive. 

I request that Navient takes immediate corrective action by : Discharging all of my student loans that were serviced by Navient, given the history of mismanagement and misinformation. 
Correcting any inaccurate reports made to credit bureaus regarding late payments. 
Confirming in writing that my co-signer has been removed from my loan account due to their death. 
Ceasing any further communication with me regarding these loans, as they are no longer serviced by Navient as by the email received by Navient.
Consumer complaint received 2024-08-31
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. (FL)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I did a mobile deposit with XXXX XXXX  Bank on XX/XX/XXXX they cashed the check on XXXX the XXXX and restricted my account and said they're doing an investigation today is XX/XX/XXXX and they have me no resolution yet and they deny me access to my funds.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (MS)

On or about XXXX XXXX, I received XXXX letter notification from Truist Bank about an account, one that I had never opened, had been over drafted. One being {$3000.00} and the other being {$4900.00}. I thought these letters were scam, as I do not bank with Truist, so I ignored them at first. 
Then on or about XXXX XXXX, I received another letter notification from Truist Bank about a different account I had, again one that I did not open, had been over drafted by {$800.00}. I thought this was a scam also, due to it having a different account number and the fact that I have never opened an account with Truist Bank. 
Then on XXXX of XXXX, I received XXXX letters from Truist Bank that the XXXX accounts had been blocked. 
Then on XXXX XXXX I received XXXX more letters stating that the accounts had been closed. After all these letters, I got the phone number for Truist Bank from their website and called them. The lady I talked to asked for my Social, due to me not having a full account number as all the letters only had the last 4 digits. I gave her my social as I believed it was the number from the website, and the lady confirmed that I did have accounts but they had been closed. When I asked if their had been charges, she stated that I needed to contact XXXX  and gave me a number ( XXXX ). When I looked up the number it said it was a scam. Since the accounts were closed, I thought everything would be fine. Then on XXXX XXXX, I received a letter notification that the account was charged {$2500.00} and being sent to collections.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

I am disputing the accuracy of the XXXX XXXX XXXX account on my credit report. Despite my efforts, the credit agency refused to remove the item, citing an update after a reinvestigation in XX/XX/XXXX. The account remains in collections for {$10000.00} and is scheduled to stay on record until XX/XX/XXXX. 

Per the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting removal of this inaccurate information since the credit bureau has not verified its accuracy. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), XXXX XXXX XXXX is responsible for ensuring they report accurate information, which they have not done.

I ask that this matter be resolved in compliance with the FCRA. 

Sincerely, XXXX
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (AK)

At the end of XXXX ( unable to provide exact date, as Navy Federal changed my account numbers as part of the Fraud Alert and Account Recovery process and I can no longer access previous statements ) I received a notification via the Navy Federal Mobile App that money had been taken out of my account. 

When I logged into the app, I saw that {$5000.00} had been withdrawn from my checking account, which came as a surprise as I had never had that much money in my account ever. Shortly after seeing that, I noticed that a new loan had been taken out in my name, and I immediately contacted Navy Federal to begin the Fraud Alert and Account Recovery process. 

I was issued new account numbers for checking and savings account, debit card, credit card, loan numbers. I submitted the first fraud claim that day over the phone with Navy Federal, and the person on the phone said it certainly appeared to be fraudulent activity. 

Fast forward a few weeks, I got a letter in the mail saying that my fraudulent loan claim had been denied as there was " no billing error detected. '' After this, I went to my ( at the time ) local Navy Federal branch in XXXXXXXX XXXX XXXX to talk to a representative. 

After reviewing the loan application, the branch representative asked us to step outside for a moment and called into Navy Federal to what I assume was the underwriters to " give them an earful '' for approving what was an obviously fraudulent application. 

The branch representative said that the work place didn't match mine, the application listed assets that were not mine, and told us that the person in XXXX that the loan was " instantly transferred to '' went on a " good little spending spree. '' As a result of this, I filled out and successfully disputed the loan on all three credit bureaus, as well as submitted a report on identitytheft.gov, and put the report numbers on the next appeal, to no avail. 

After this, I went back into the bank to speak to another representative, who told me she " didn't understand why this kept getting denied. '' I went and filled out the paperwork once again with the branch representative and included all the credit bureau information as well as the identitytheft.gov report number, but was denied once more. 

I have also since frozen all my credit on all three bureaus. I am currently stuck in a loop of appealing and getting denied with no information provided as to why, only having what the branch representatives have told me is " clearly fraudulent '' to go off of. 

I am at my wits end, this process has been going on for over three months, and I am not sure what the next steps I need to take are to get this resolved.
Consumer complaint received 2024-10-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

A collection agency is attempting to collect a debt for alleged tenant damages that were pre-existing. Despite providing evidence that the damages occurred prior to the tenancy, the collection agency has reported the inaccurate debt to the credit bureaus, negatively impacting my credit score. I have disputed this debt with the collection agency and the credit bureaus, but the collection agency remains unresponsive and continues collection efforts. 

XXXX : XX/XX/XXXX : Moved into the rental property and documented pre-existing damages. 
XX/XX/XXXX : Moved out of the rental property. 
XX/XX/XXXX : Received initial contact from the collection agency. 
XX/XX/XXXX : Sent a formal dispute letter with evidence to the collection agency. 
[ XX/XX/XXXX ] : Discovered the inaccurate collection account on my credit report. 
[ Approx XX/XX/XXXX ] : Filed disputes with the credit bureaus. 
[ Approx. XX/XX/XXXX ] : Sent a follow-up letter to the collection agency informing them of the credit bureau disputes and demanding they cease collection efforts. 

Actions Taken : Documented pre-existing damages at the beginning of the tenancy. 
Disputed the debt with the collection agency in writing, providing evidence. 
Disputed the inaccurate information with the credit bureaus. 
Sent a follow-up letter to the collection agency reiterating the dispute and demanding they cease collection efforts.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

It has already been several days like I was not allowed to add money to my Paypal account from XXXX XXXX  that practices unfair practices. The reason I was given by PayPal is that they have a technical issue. Every time I try, I get advised to try back in 48 hours. I do not get an answer on my question whose fault is that now PayPal or XXXX XXXX. In my previous complaint I had problems with XXXX and XXXX  XXXX  and now it is XXXX XXXX. Is that a conspiracy between banks and PayPal or what? I need to get all my money from XXXX XXXX  at once. PayPal does not allow me to get any amount. Should we all forget about PayPal and close our PayPal accounts? If it is a digital WALLET should money be transferred immediately from any bank that enrolled with Paypal or it depends on their wish?
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TN)

In accordance with The Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 ( a ) states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records for convictions of crimes which antedate the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information may be inaccurate.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

I disputed the charges for two accounts on my credit report with XXXX. They verified the accounts and the collection remained on my account. I sent another dispute to request how they verified the accounts and asked for the accounts to be removed if there was no verification to be sent to me. Both collections have been charged off by the companies and neither have offered a 1099-C for tax purposes to prove the charge off to me. If the debt has been charged off and I haven't recieved a 1099, it should not be reported as owed to my credit report.
Consumer complaint received 2024-07-29
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. (SC)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/year> TransUnion : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/year>
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

We were charged {$39.00} on XXXX, XXXX, and XXXX, XXXX months consecutively by XXXX, for charges we did not authorize. We tried to tell XXXX, and it fell on deaf ears. We submitted a dispute to Wells Fargo. They temporarily credited our account. However, even with us telling the WF rep that we did not have any information other than what we gave her at the time, we received a request for more. After calling and telling them we did not have more, we later got a notice stating because we did not provide more, they were again debiting our account with the charges. First, we did not authorize these electronic charges. Second, upon telling our bank that we did not authorize the charges, it was incumbent upon them, under The Electronic Fund Transfer Act, to prove that this was a valid charge, not upon the one upon which the fraud was perpetrated on. We were defrauded, we were charged the wrong charge. I have XXXX, my wife has XXXX XXXX XXXX XXXX, and we do not have the funds, mindset, nor the energy to deal with all this. You have my permission to speak with my wife just as if you were speaking with me.