davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (GA)

I currently have a Banana Republic Store Credit Card. I have had the card for over 20 years and am in good standing with the account. Banana Republic decided to turn over their credit card business to Barclays. I received a letter in the mail last week with a new credit card except this card is a Banana Republic Master Card. The communication also stated that I need to activate this card, and this will replace my store credit card. I have no interest in having a new master card, so I called them. They told me that I received a communication in XXXX  ( which I do not ever remember receiving ) that stated if they did not hear back from me with a desire to keep my current card by the end of XXXX, my account would migrate to a master card account. I told them that I do not ever remember receiving the communication and wanted to keep my current card. I was told that since I missed the period for communicating back to them in XXXX, that my account will be moved and there is nothing I can do about it. The person also refused to let me speak with a supervisor. So, I told them to cancel that master card account. This is bad practice and wonder if it is even legal.
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I attended the fraudulent college XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX. My school was affiliated with this loan company Navient ( formerly Sallie Mae ) when I applied for these loans. The school had only this lenders loan application forms in its office. I had two private loans that were consolidated into one private loan all through Sallie Mae/ Navient . 

I have recently tried to apply for a School Misconduct Discharge with Navient in order to have these loans forgiven. My application was immediately dismissed and the reason I was given was that my loan type does not qualify because of 'the holder rule '. I have twice now asked Navient for a copy of the Private Consolidation Master Promissory Note and both times they have only sent me copies of my application with no Promissory Note. I happen to have found my own copy of the Master Promissory Note from this consolidated loan I inquired about and there is not one mention of Holder Rule language or statements included on any of the pages. From my understanding this is a violation of Federal Law.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Chase Bank XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, United States XXXX Cease and Desist Request Dear Chase Bank, I am writing to formally request that you cease and desist from all further communications with me regarding my account, effective immediately. 

Despite my previous requests, I have continued to receive unwanted letters in the mail from your company. This communication is causing me significant distress, and I kindly ask that you respect my request to stop all forms of contact. Account Ending in # XXXX Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I have the right to request that you cease communication regarding this matter. 

I expect written confirmation that you have received this request and that you will comply with it. 

Thank you for your immediate attention to this matter. 

Sincerely, CFBP, I told Chase bank Cease and Desist all communication on the phone to stop calling me, don't email me and stop sending mail to my address as well.
Consumer complaint received 2024-08-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Client Services, Inc. (UT)

I received a " settlement offer '' via XXXX XXXX XXXX XXXX. This settlement offer was in relation to Identity Theft and XXXX involving payments for charges that were never made by me. These payments were never applied due to the funds never being posted ; however, XXXX XXXX XXXX continued to charge late fees, increasing the alleged debt amount. To top it off, XXXX XXXX XXXX restricted my access to my accounts, upon which I made numerous attempts and requests for access. The reference number for the " settlement offer '' is XXXX from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BMO Bank, N.A. (IL)

On or about XXXX XXXX I started an online HELOC application with BMO Harris. I specifically told the Loan Officer, XXXX XXXX, that I had frozen my credit scores and that I would inform him if that changed. ( XXXX XXXX ). On XX/XX/XXXX XXXX emailed me that BMO Harris would need to pull credit within XXXX business days or that application would need to be cancelled. He called me on XX/XX/XXXX and said that he needed to know that information, ( I have retained a copy of the voicemail and email. ) I replied by phone that day that I wanted to withdraw my application. 
Without my authority or consent BMO Harris pulled my credit through XXXX & XXXX, the day before the phone call by XXXX XXXX. 
I never gave BMO Harris or XXXX XXXX the authority to pull my credit and he knew my position and that I withdrew my application. 

As a result, my credit score and my wife 's score suffered from having a " Hard Pull '' and I am demanding that BMO Harris find a way to have the credit inquiry removed from my records.
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (FL)

I opened an account with Gemini a few months ago to buy crypto. I funded the account with my bank via electronic transfer. I transfered about {$14000.00} in total into XXXX. When I went to withdraw the funds to my wallet, they denied the transaction and consistently delayed and misdirected, requesting ridiculous additional ID verification, questions, etc. I soon realized they were just delaying and had refused to allow me access to my money, effectively stealing it. My correspondence with them is under Ticket ID : XXXX in their system, however they refuse to release my funds.
Consumer complaint received 2024-07-01
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. (VA)

My account with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD was never late! I have had exceptional payment history with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX OF XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-08-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IA)

Twice I have attempted to open a high yield savings account with XXXX and each time XXXX am declined via email ( attached ) which indicates they were unable to verify my identity. A phone call to the provided customer support number to verify I am not on any VPN that would not allow the verification of my location. 
I have verified I do not have a credit freeze or a fraud alert with XXXX, XXXX XXXX, XXXX and XXXX. 
I have applied for a high yield savings account at XXXX twice, XXXX twice, XXXX and XXXX and every time I am denied. 
I am unable to determine the root cause and under the Fair Credit Reporting Act ( FCRA ), financial institutions are required to provide you with an adverse action notice if they deny your application based on information in your credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions. 
In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. XXXX {$3400.00} DATE : XX/XX/XXXX XXXX. SYNCHRONY XXXX XXXX  XXXX  {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$430.00}. XX/XX/XXXX XXXXXXXX XXXX. {$3300.00}. XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX {$8400.00}. Charged off {$6700.00} XXXX XX/XX/XXXX XXXX. XXXX. {$98000.00} Charged off XX/XX/XXXX
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

I receive my dispute denial documents for disputes XXXX Denial reason was as stated " Dispute is invalid as prior undisputed transaction were detected for this merchant .These transactions will not be counted as a fraud activity. So, this claim has no charge back rights Pre dispute services request i have dispute the remaining cashapp transfer and related activity so my fraud claim can be processed and handle correctly. 

I've submitted XXXX account statements Policereport Documents Ohio unemployment Reliacard account activity
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CO)

We are trying to refinance our house. We had been with XXXX which sold out to XXXX XXXX XXXX and has now sold our mortgage to Nationstar. 
We have given written and verbal permission to Nationstar to share information with XXXX XXXX Bank to refinance. This process started the XXXX week of XX/XX/XXXX. 
For some reason the loan was being held up and not being released to XXXX XXXX Bank. We were finally able to find out that they were stating we had XXXX liens on our house. It seems that when we bought the house and we used VA to purchase and then a few years later when we refinanced we went with FHA. The VA loan was never removed by either XXXX or by XXXX XXXX XXXX. So we have asked Nationstar to remove the VA loan as it is not correct, we are being stonewalled. We are told it would take a month to remove. I sent an email requesting that this should not take a month to correct an error of this type and was told that it would be considered and we will be notified XX/XX/XXXX. 
I feel that our mortgage is being held " hostage '' because they for some reason do n't want to release it to XXXX XXXX. I ca n't think of any other way to explain this. All the people who have been trying to obtain information are amazed as to the way we have been treated. The numerous people I have spoken to at Nationstar have been very unhelpful. I have even call the corporate office and the woman I spoke to was amazed that this was going on. 
We just want to move on and change companies and complete this process.
Consumer complaint received 2024-08-23
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. (TX)

I am submitting this complaint against Experian Business for their failure to remove outdated Uniform Commercial Code ( UCC ) filings from my business credit report, despite my having provided all necessary documentation proving that these filings should be removed. 
Summary of the Issue : Business Name : XXXXXXXX XXXX XXXXXXXX XXXX Filing Reference Numbers : XXXX I provided Experian Business with complete and accurate documentation on the dates listed below demonstrating that the UCC filings on my business credit report have been satisfied and should be removed. Despite this, these filings remain on my report, negatively affecting my business 's creditworthiness. 
XXXX XXXX XXXX case is closed : Please see email from XXXX for more information. 
XXXX XXXX XXXX is assigned to agent, in queue to be worked in order of date received. 
XXXX XXXX XXXX is received and logged, pending assignment to agent. 
XXXX XXXX XXXX case is closed : Please see email from XXXX for more XXXX XXXX XXXX XXXX case is closed : Please see email from XXXX for more information. 
XXXX XXXX XXXX is assigned to agent, in queue to be worked in order of date received. 
XXXX XXXX XXXX is received and logged, pending assignment to agent. 
Laws Violated and Maximum Compensation Sought : 1. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681s-2 ( a ) : o Violation : Experian Business is required to maintain accurate and complete information on credit reports. Their failure to remove the outdated UCC filings after receiving my documentation violates this provision.

o Maximum Claim : {$1000.00} per violation ( e.g., per UCC filing that was not removed ).

2. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681i ( a ) : o Violation : Experian Business is obligated to conduct a reasonable reinvestigation of disputed information within 30 days. Their failure to act on my dispute and correct the inaccuracies violates this section of the FCRA. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Uniform Commercial Code ( UCC ) - Article 9 : o Violation : Under Article 9, Experian Business must update or remove UCC filings once the debt is satisfied. Their continued reporting of these filings is a violation of UCC requirements.

o Maximum Claim : {$1000.00} per violation.

4. Unfair and Deceptive Acts and Practices ( UDAP ) Laws : o Violation : The continued presence of inaccurate UCC filings may also constitute an unfair or deceptive practice under state UDAP laws, causing harm to my business. 
o Maximum Claim : {$1000.00} per violation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

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 : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

Over the previous year, the office of financial aid introduced the XXXX plan, which is great because it considers my current financial situation. 

My servicer is MOHELA. 

As soon as the plan was introduced I got on the XXXX plan with my loans. There wasnt any issues here. 

Later on, word was going around encouraging borrowers to consolidate their federal loans to maximize potential forgiveness and benefits. I applied to consolidate, in the application I specified that I wanted them to be consolidated into the XXXX plan, which again, the loans were already in. 

The consolidation process takes 3 months with no word from MOHELA. Its transferred from to aidvantage and then back to MOHELA. Again I am not notified in any sense regarding this process, I only learned that the consolidation had completed via checking their website myself. And in doing so I learned that I somehow had a balance due. As it turns out in the consolidation process, without any word to me on this, they had changed my payment plan to be their default payment plan, which is too expensive for me, and holds none of the benefits that I previously had. 

I have reached out to MOHELA weeks ago, submitted paperwork requesting my plan to be adjusted, and there has been no word back from them. I reached out to customer service via their messaging system, and I have got nothing. 

Had I been made aware that I wasnt going to be on the same plan following consolidation, I wouldnt have applied for it. They havent communicated at all regarding the process. This process has been extremely frustrating and distressing for me, especially because it affects nearly {$30000.00} in student loan debt.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

Everything started around XX/XX/year>. I received a strange call from a Wells Fargo representative that asked me if I had applied for a new credit card at their bank. My answer was an immediate no, the representative said thank you and have a nice day. I did not get a chance to question the representative at all, since they chose to hang up the phone right away. On XX/XX/year> I proceeded to place a credit lock and credit freeze on all the XXXX major bureaus with a successful result. Yesterday, XX/XX/year>, I received a brand new credit card from Wells Fargo in the amount of {$12000.00} credit. Today, XX/XX/XXXX, I contacted Wells Fargo and reported the fraudulent credit card opened without my consent, they began their investigation. I also contacted XXXX, since I was able to identify the inquiry done on XX/XX/year>. They have also began their investigation. XXXX recommended I followed with a claim on this website and have to send the paperwork to their page in other to have the backup to proceed with the investigation.
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I make bi-weekly payments of {$80.00} towards my minimum payment of {$150.00}. In XXXX TD Bank received three payments from me each for {$80.00}. The third payment was not applied to XXXX and now they have charged me a late fee of {$29.00} and raised my interest from 5.99 % to 29.99 %. I attached the XXXX and XXXX statement showing they have received my payments but they have not been applied correctly.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

When I started going to school back XX/XX/XXXX-XX/XX/XXXX, although I was a kid living on my own and working at a XXXX making $ XXXX/week, I was told that I was making too much money to qualify for financial aid and all could get were student loans. Hoping for a better future, I took out student loans and by the time I XXXX with an XXXX degree from XXXX XXXX University in XXXX XXXX, Florida, I owed around $ XXXX. Realizing that the big-salary-when-I-graduate story was a lie, I was unable to make my $ XXXX/month loan payment and when I contacted by lender, they told be to request a forbearance and that I should continue to do this as until by payment was less that XXXX % of my gross income. Not knowing how compounded interests work, I began deferring and interests started accruing. 25 years later, I now owe over $ XXXX in Stafford subsidized and unsubsidized student loans out of which over $ XXXX are for interests. At one point, aware of my daunting debt and the fact that I will never be able to pay off, I even contemplated XXXX since the dark cloud of a student loan of this magnitude is an intimidating prospect as well as very XXXX since the life of comfort that I had envisioned when I started going to school was now replaced by a life of need because of my student loan payments. This has affected me personally as well since who wants to get involved with someone carrying this amount of debt? I am now in an income-based repayment plan of $ XXXX/month since I ca n't afford $ XXXX/month ( which is what I 'm supposed to be paying ), but the burden of these loans is like a life-sentence in a financial prison for the crime of having wanted a better life and gotten an education. I have no regrets about having gone to school, but I do regret that I was deceived into believing that I would graduate with this incredible job and I would be able to pay off my loans. I regret that I was n't better educated on forbearances and compounded interests. And I regret that the student loan industry victimized students the way it does by calculating interests this way and charging such high interest rates for an education. There is no reason why anyone should owe $ XXXX in interests only!