davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Northern Trust Company, The (NY)

I closed XXXX XXXX XXXX XXXX notes in XXXX. Notes administered by Northern Trust Bank. 
XXXX XXXX Northern Trust notified me recently- in XXXX, XXXX years after account closed - of a balance due to me of {$9.00}. 
I completed form for Northern Trust to send me the {$9.00}. 
They sent me form a second time with requirement that form be notarized by notary public. 
I am at the same address. No change in identity, address, anything else related to account that requires notary. This is stupid obstacle to bank returning balance to me. 
I called to complain, They will not send me the funds.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC. (CA)

Good afternoon, From Axos Bank ( routing XXXX ) Checking account ( XXXX ) to XXXX XXXX  ( XXXX ) Interest checking ( XXXX ) were transferred {$1000.00} dollars on XX/XX/XXXX. 

The XXXX XXXX checking XXXX was closed XX/XX/XXXX without somebody to contact me. I initiated this transfer, because I didn't know XXXX had closed my accounts. They never contacted me. 

This {$1000.00} should come back to my Axos Checking XXXX. I still have access to my online-banking at XXXX, and can confirm this amount is not visible at XXXX XXXX checking XXXX. The {$1000.00} are still missing from Axos Checking XXXX. 

I spoke several times with XXXX and XXXX agents. 
XXXX responded : " Dear XXXX, Thank you for contacting XXXX Bank. We value your business and are happy to help with your returned XXXX inquiry. 

Upon review of your profile, I see a returned ACH transfer of {$1000.00} on XX/XX/XXXX from Checking Account XXXX. These funds should have credited back to your external account by XX/XX/XXXX. Unfortunately, we can not provide further assistance with retrieving the funds as they are not in our possession. Please contact Axos and inform them that the funds were returned. If they can not locate the funds within their system, they may require that you file a new dispute so that they can process a chargeback from the XXXX system. I greatly apologize for any inconvenience this has caused. 

Thank you for choosing XXXX Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, XXXX XXXX, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can always visit us online at XXXX. 

Stay safe, XXXX XXXX. 
Customer Service XXXX Bank '' I have opened dispute case for it at XXXX. Here is the dispute : " XX/XX/XXXX @ XXXX PM Name : XXXX XXXX Dispute Reason : The money has been sent to my Ally bank account whicn was closed at XX/XX/XXXX. It's XXXX day ago the transaction itself. Ally bank account is : Account XXXX is XXXX and routing XXXX is XXXX. 
Account Number : XXXX Account Name : Checking XXXX Account Available Balance : {$210.00} Date Event : XX/XX/XXXX Transaction Description : XXXX Debit - XXXX XXXX XXXX XXXX XXXX : CHECKING XXXX : CHECKING Balance : - {$570.00} Transaction Amount : - {$1000.00} Transaction Date : XX/XX/XXXX '' Here is the conclusion : " We have completed our investigation based on the documentation we have on file and have determined that your claim will be denied because no error has occurred. 
Please contact the XXXX directly for resolution. 
For more information, please reach out at ( XXXX ) XXXX. 

Kind Regards, XXXX XXXX Axos Bank '' The complain is about : XXXX. {$1000.00} dollars which disappeared between two banks with an ACH transfer. 
XXXX. Ally bank closed all my accounts without a valid reason, and even without contacting me.
Consumer complaint received 2024-06-04
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: Bread Financial Holdings, Inc. (OK)

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that Comenity Bank took off the XXXX days late status and marked my account as charged off. How the heck can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made XXXX consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

I began submitting paperwork for pslf in XX/XX/XXXX. I was told that while my loan transferred from Ed financial to XXXX my loan would be put into administrative forbearance ( which didn't happen until maybe XX/XX/XXXX ). My loan was transferred from XXXX financial to XXXX on XX/XX/XXXX, but I was not informed. I had already scheduled a XXXX $ payment to be withdrawn from my account on XX/XX/XXXX, which is my typical due date with Ed financial. In early XXXX, I started getting notifications from XXXX that my loan payment was overdue. I started calling Ed financial to try to get the payment transferred. They told me I needed to go to XXXX. Between the two companies and dozens on calls, someone finally told me that although the companies can transfer loans between, they can not transfer payments. In addition to the emails I've attached there have been dozens of calls to both companies ( XXXX recently took a regular payment and an extra payment out of my account, which overdrew my checking account ). 

My issue is with Ed financial and their inability to trace my XXXX $ payment, which was withdrawn from my account on XX/XX/XXXX. I have sent them a copy of my bank account showing this withdrawal, and this is all of the evidence I have, because again, my account with Ed financial has been closed since they sold the loan. This also makes trying to call to get assistance with this issue a nightmare. They are blatantly avoiding me and have been unwilling and unable to refund my payment, while interest accrues on my loans.
Consumer complaint received 2024-08-06
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (CT)

With my XX/XX/2024 Barclaycard statement they included changes to my interest rates to be effective XX/XX/2024 based on my credit score from XX/XX/2024 instead of my current credit score for XX/XX/2024 since they deliberately found when my score was lowest in order to increase to the highest margin interest. Since they made the decision on XX/XX/2024 they need to use my score from XX/XX/2024 and not retroactively seek out my lowest score. 

I initially tried to use the contact web page which actually doesn't actually allow messages to be sent to them so I then posted on their XXXX page in which I was able to use XXXX messaging in which I just got the run around. 

They know they can't use a past credit score to make a current credit decision!
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This happened on today, XXXX XXXX 2017 at about XXXX est. 
I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC (TX)

My divorce is complete except the deed of trust is pending due to a filing error done by the mortgage company Loan Depot. 

I refinanced my house in 2022 as the sole borrower on the mortgage. All documents state me as the borrower ( note, statements etc. ) however the deed of trust they filed with the county states otherwise due to an error and how they do that one document. However they confirmed hes not a borrower on the loan. The document is misrepresenting and misleading stating hes a borrower when he IS NOT. This has caused a major issue in my divorce proceedings as the attorneys think hes on the loan when hes not. They want me to sign a deed of trust to secure assumption so he can foreclose on me if I ever missed a payment. Loan Depot states he can not assume the property because hes not on the mortgage. Loan depot refuses to amend the document stating its already been done. This has caused me more money on fighting the divorce attorneys, time, etc I need help getting loan depot to correct their error and to amend the documentation to reflect accurately and appropriately the true mortgage borrower.
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

XXXX. I used Paypal Pay in 4 to purchase 2 items on XXXX ( XXXX XXXX ) on one order totaling {$460.00} XXXX. Items in the order was fulfilled by different sellers Item XXXX Delivered as expected ( {$41.00} ) Item XXXX Wasnt sent to my address ( XXXX XXXX XXXXXXXX - {$420.00} ). More detail on this below XXXX. Filed a dispute with Paypal, escalated it 4 total times, provided a clearer explanation that the seller is being deceitful and that they should ask for and check proof, and apply common sense. Paypal denied the claim. 
XXXX. I escalated again, Paypal agent on the phone called XXXX, confirmed with them that the package is not addressed to me, agreed that this is an obvious scam and he has seen it happen before. 
XXXX. Paypal backoffice team closed the case in XXXX 's favor citing that the package was delivered, without checking WHERE it was delivered! 
XXXX. I Re-escalated the case with paypal, agent on the phone once again agreed that this is a very obvious scam. 
XXXX. The entire world knows that XXXX only provides the full proof of delivery with address to the Shipper with their account number, not to the customer if the package was not shipped t them. 
XXXX. Yet, Paypal keep asking me to provide proof from XXXX that the pacakge was not sent to me. 
XXXX. Ofcourse the seller hasn't provided the document because they never sent the package to my address. 
XXXX. Even more obvious- the tracking number was created XXXX minutes I placed my order! Its in the XXXX tracking! Paypal refuses to acknowledge a VERY OBVIOUS scam! 
XXXX. Paypal has neglected process, common sense, the law, policies by asking the customer to provide proof that they know the customer can not provide. 

THE DOCUMENT PROVIDED BY THE SELLER, AND ACCEPTED BY PAYPAL ONLY SHOWS THAT THE PACKAGE WAS DELIVERED SOMEWHERE, NOT TO ME. 

THAT DOCUMENT DOESN'T SHOW THAT IT WAS DELIVERED TO ME. 

THE SELLER IS THE ONLY ONE WHO CAN AND SHOULD PROVIDE AN AUTHENTIC DOCUMENT WITH THEIR ACCOUNT NUMBER THAT SHOWS THAT PACKAGE WAS SENT TO ME IN THE FIRST PLACE!!!! 

ITS COMMON SENSE!!!
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

My name is XXXX XXXX XXXX, On or about XX/XX/year> after phone calls from PORTFOLIO RECOVERY ASSOCIATES about a debt I never Received a validation of debt notice explaining my rights to dispute PRA mail it to the wrong address and never attempted to correct their mistake clear violation of 12 cer 1006.34 reg F ... 15 us code 1692g deceptive and misleading... it was intentionally done ..I 've enclosed documents showing PRA knew my correct address ... by me not receiving the debt notice it violated my right to dispute with in the 30 day time flame..currently PRA is illegally reporting derogatory information about me with out full validation ... The CFPB order Repeat offender PORTFOLIO RECOVERY ASSOCIATES to pay more than XXXX XXXX for continued illegal debt collection practices and consumer Reporting Violation this is no different they continued there bad behavior un checked.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NC)

Mr Cooper has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a Mr Cooper system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified Mr Cooper immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.
Consumer complaint received 2024-07-31
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. (TX)

In accordance with the fair credit reporting act the list of accounts below had violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer can not furnish a account without my instructions 15U.S.C 1681c.a5 Section states no consumer reporting agency may make any consumer report containing any of the following information other than records of convictions of crimes which antedates the report more than seven years.

15U.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 2023-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OR)

On XX/XX/23 XXXX PST I received a debt collection phone call from Navient . I spoke with the person about my missed payment and informed them I would make a payment on my lunch break. 

On XX/XX/23 XXXX PST I made a payment online. 

On XX/XX/23 XXXX PST I received another call from Navient for purpose of debt collection on the same account. I requested to speak to a Supervisor and it took a lot of talking to finally get transfered to a Supervisor. Once I spoke to a supervisor they couldn't find in their system that I spoke with someone earlier in the day. 

My payment was 10 days late in regards to the debt collection harassment I received.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Receive daily calls from multiple numbers. They are attempting to collect on a debt that was charged off 12 years ago. This is a non collectable debt. I have told 3 different representatives to remove me from their call list. The calls continue daily. When I block a number they call from a different number. Also Portfolio Recovery ( they ) has made and continues to make anywhere from 3 to 5 soft inquiries to my credit per week. There is no reason for any of this.Having already requested these actions to stop. They ignore my requests and continue the harassment. I'm fairly certain all of this is not legal. I intend to seek legal council, as I have been harassed for 2 years nonstop. This is first step in my process of documentation.
Consumer complaint received 2023-06-16
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. (FL)

I have contacted chase to advise them that transaction that took place on XX/XX/XXXX in the amount of XXXX from XXXX, order number XXXX have never arrived. Tracking number XXXX has never arrived and was trying to dispute the transaction with the bank because i have never received the merchandise i paid for. I have tried to contact the merchant by phone and email without any luck. The bank told me because i have i have paid for the order from my personal checking account they are not able to submit a clim dispute on my behalf. I do not understand why my bank will not refund me the money i have paid from my checking account to an an order that was clearly was never delivered to me, and i am claiming my money back from a fraud company. 


XXXX ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent. 


View your order or Visit our store Order summary XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$27.00} Subtotal {$27.00} Shipping {$5.00} Taxes {$0.00} Total Your order is on the way Your order is on the way. Track your shipment to see the delivery status. 


View your order or Visit our store XXXX  tracking number : XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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: AVANTE (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account numberXXXX Account name XXXX XXXX XXXX XXXX Account numberXXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.