davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IN)

After many high pressured recruiting calls from XXXX XXXX XXXX XXXX I enrolled in their XXXX XXXX XXXX in XXXX. Taking out many federal and private loans to attend. I have since suffered a great deal of financial difficulty and professional difficulty as a result of XXXX XXXX  misrepresentation of their job placement rates and the pushy sales tactics to get me to enroll even when I was very vocal about the cost being too high. It has been well known for some time that XXXX the parent company over XXXX XXXX XXXX XXXX was widely accused of misconduct and predatory practices. Some as listed below : 71 campuses were subject to a show-cause order from their accreditor over false job placement statistics, and, in XXXX, 10 campuses were directed to show cause as to why their accreditaton should not be withdrawn Several state and federal entities opened investigations of XXXX in XXXX, examining allegations about job placement rates and tuition XXXX investigations revealed that job placement rates were understated, contributing to the resignation of its CEO XXXX settlement with New York attorney general over misleading job placement rates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sweet V Cardona as predatory school Navient has been continuing to service my private loans from this fraud school without hesitation. I have been paying monthly for 14 years and my balances are still over the principal. I believe Navient is also exercising predatory practices as they are not taking the proactive steps to right the wrong doing by this school and still reaping the profits.
Consumer complaint received 2024-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (TN)

Trial modification approved XXXX trial payment was due XX/XX/year>. Remitted payment XX/XX/year> by XXXX XXXX. Spoke with servicer several times to verify payment was received XXXX specialist said payment had not been received by XXXX XXXX. Made 2nd trial payment XX/XX/year> because loan specialist said if payment was not received by XXXX XXXX modification would be canceled. Attached proof of XX/XX/year> from XXXX XXXX of payment being remitted to mortgage servicer and being received by mortgage servicer.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC. (LA)

I filed an identity theft affidavit because nothing on my contract should have been XXXX. I physically signed every piece of paper for this contract and the only evidence presented was a docusign version of my contract yet again. I asked for a copy of the papers I signed that day and I was told I could not get a copy until the finance manager signed her part and she was not there.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/year>, my wife and I went to Citizens Bank to deposit a Treasury check into my checking account, and my wife endorsed the check to me. My wife presented her passport card ID, I presented my driver 's license and debit card. The check was deposited into my checking account and I waited patiently for the funds to be available, which I thought would be on XX/XX/year>, because Monday was a XXXX XXXX. On Wednesday morning, XX/XX/year>, I signed on to my mobile banking app and noticed the funds were available. I got into my car and rechecked my mobile banking app to make sure the funds were available and the funds were available. I arrived at Citizens Bank and waited patiently for the bank to open at XXXX XXXX before I walked into the bank, I rechecked my mobile banking app and the funds were available. I walked to the teller and gave her my driver 's license and debit card, I entered the PIN and the teller asked me, how much do you want to withdraw? I told her {$3200.00}, and after a minute or so, the teller told me the funds were on hold. I asked her why are my funds on hold when the funds were available after I checked XXXX before walking into the bank. The funds were available, but after I told her how much money I wanted to withdraw, the teller didn't want to give the money to me. She told me the funds are on hold until XX/XX/year>. When depositing a Treasury check, the funds are supposed to be available the next business day. I never had any issues when I deposit a Treasury check at any other bank and the funds are always made available the next business day. But Citizens Bank didn't follow the rules and wants to hold my check until XX/XX/year> which is unethical. I asked the teller why and other Citizens Bank customer support and supervisor too, but none of them would give me any reason why they are holding the Treasury check for 11 days. I even offered the teller my passport but she said no need to present my passport. Please fix this issue at Citizens Bank because their banking practices are unethical.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair

Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 is inaccurate.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/year>, I attempted to withdraw {$140.00} from a USAA-branded ATM inside a XXXX. The ATM dispensed {$140.00} however it got stuck behind a metal plate. I attempted to move the metal plate. The ATM activated the rollers again and the computer running an older version of XXXX abruptly crashed. The ATM restarted and the rollers activated again where it then crashed. I informed an employee of what happened, and they told me they did not have access to the ATM and that somebody had just been out to fix it. An employee and I examined the metal plate on the ATM and we were only able to pull out XXXX XXXX dollar bills equaling {$40.00} that were sticking out through a gap. I proceeded to call the number on the ATM and the representative informed me that I had to dispute it with my bank. I filed the dispute for my missing {$100.00} and so USAA deposited a temporary {$100.00} while they investigated the claim. A month later on XX/XX/XXXX, I was informed the dispute was denied as the merchant provided proof that the ATM had no errors and money was dispensed. I went back to the XXXX and noticed an out-of-order sign on the ATM. I headed to the customer service desk and talked to an employee about the ATM where I learned the ATM is known to have issues. She informed me that it constantly rips up money, jams, or does not dispense money. On the XXXX I requested the document that they provided in order to come to that conclusion and upon receiving it I was dissatisfied and called USAA to reopen it and properly investigate the dispute on their poorly maintained ATM. Finally today, XX/XX/XXXX the dispute was closed and they withdrew the temporary credit.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item that I am asking you to verify as accurate : XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

XX/XX/XXXX - Opened high yield savings account, initial deposit {$XXXX} XX/XX/XXXX - transferred an additional {$XXXX} XX/XX/XXXX - notified by customer service the account was permanently closed ; would by notified in writing as to the reason; was locked out of access to our credit card and online account; was told to contact the Fraud Dept for more information XX/XX/XXXX - contacted the Fraud Dept as instructed ; no additional information was provided as to reason for closure ; was told we could go to a branch and receive our funds. Closest branch was in XXXX, XXXX. We live north of XXXX, XXXX  and just happened to be on our way to XXXX. Arrived at a corporate office location that had a banking facility inside. Met with a banking agent who contacted the Fraud Dept, after verifying our identity and account information was told we could get the initial deposit back but the second deposit would have to be a check issued by corporate. The bank agent assured us she would follow up to see when the check would be issued. 
XX/XX/XXXX- emailed the bank agent to follow up. Were notified that the account closure would take 30-60 days and we would receive a check at that time. 
XX/XX/XXXX- received a letter from Citibank notifying of the automatic account closure and the reason listed was that we violated the terms of our account per the client manual. No details provided about the violation. Contacted the Fraud Dept again as instructed in the letter as we were looking for confirmation of the funds still being available and ours and if we could escalate the funds return request. The agent initiated a priority call back from a supervisor within 24 hours, which never happened. 
XX/XX/XXXX - called the Fraud Dept again to follow up with the escalation process. There was a review of the account with the customer service agent and again informed they could not disclose the reason for the automatic closure. Suggested going to a Citibank branch to request our funds to be returned ; however, it would be up to the branch manager because the account was in the closure process and could still take XXXX days. Was told there was no escalation process to further inquire about getting our money back sooner.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I mobile deposited a check signed over to me by a relative. The deposit was accepted and placed on a 10 day hold. On the day before the hold was to be lifted I received an alert to contact Chase becausetheyrestrictedmyaccount.. I called and verified the information needed. The check cleared and was made available in my account. I scheduled a withdrawal and when I went to the ATM my card didn't work. I went inside to the teller and was advised to call and have the restrictions lifted. Chase then proceeded to change the terms of the agreement and falsified information about the phone call between the fraud department and myself. I am XXXX and have bills due immediately. The check cleared and now they are saying that they need to contact the issuing company. Which I was told would be done yesterday so I could access the funds today. Now they are saying that the company number registered with their internal system is not responsive and I can't access my funds until they reach the company. I already waited for the 10 day authorization hold and received authorization yet chase won't release my funds to me or unlock my account
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In my credit report, I have three accounts under collections with Portfolio Recovery. I attempted to contact them to request information about this debt, but they have not provided any proof that it belongs to me. The debts in question are as follows : {$1000.00}, {$1400.00}, and {$6100.00}. Additionally, the dates listed on my credit report are from XXXX XXXX. Despite my efforts, they continue to harass me with calls and have not offered any resolution. 


I have sent a certified mail requesting the following on XX/XX/XXXX, but I did not receive anything in return  1. The amount of the alleged debt ;  2. The full name and mailing address of the original creditor for this alleged debt ;  3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;  4. Documentation showing you are licensed to collect debts in California.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have three companies inaccurately reporting a late payment on my credit report when it was never late. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting me as late one time when that is untrue. I have sent letters and proof to both the companies and all three credit bureaus and the error has not been fixed. It is holding up the sale of my home because of me being unable to buy the new home.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I deposited my son check into my bank acct for XXXX it was his state income tax check after I deposit the check the bank closed my acct the next day and told me it was closed because I haven't used my account in a few months and told me the check was rejected and I can cash the check somewhere else when trying to cash the check at another bank the check was rejected so me and my son got on the phone with the issuers of the check which is the Illinois state comptroller who issues these state refunds and was told the check cleared at chase bank on XX/XX/XXXX th XXXX  and they can't issue a new check because chase has the funds now chase is saying they don't have the funds and when I spoke to a supervisor with chase she told me the account was closed because it was suspected fraud so I went into the bank to tell them it was my son check and it wasn't any fraud and the comptroller who is the issuers of the check send me a email showing the check was cashed and cleared by Chase bank I just need to give my son his money we are already having a hard time financially and he needs his money my son name is XXXX XXXX he signed the check over to me my name is XXXX XXXX the check number is XXXX issue date XX/XX/year> they should not be able to just take Someone hard earned money Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) examination procedures should be put into play might not be a lot of money to them but it's a lot to us my phone number is XXXX email XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

I contacted Midland Credit Management, and I also contacted all three credit bills about the incorrect information on my credit report, stating I have two collections with with the above collection agency. I sent my letters certified the credit agencies all three have received my certified letters and have been signed for. I also sent a letter to Midland Credit Management as well Certified informing them that they have 30 days to not only respond, but to also update and remove those collections off of my credit report, this has not been done as of yet it just keeps saying account has been validated. I will be sending copies of my documentations that I have sent to all three credit bills and again to Midland Credit Management.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting ACT XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 602 A section 2. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes.

Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.