davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Back un XXXX I made some fraud disputes into my account, a credit was provided by XX/XX/XXXX and the account was blocked on the same day without explanation, I had over {$3000.00} dollars in my account which are my funds to pay rent and monthly bills and they decided to put a hold on my account. 

I started living a nightmare, calling everyday, every hour and each person at PENFED told me something different, that I could go to an ATM to get the cash, then that I could not do that, then that I could close the account and they will send a check, which I eventually did, I requested to close my account to receive a check. 

After waiting extra time, ( they were supposed to resolve the issue between 24 to 48 hours ) I give them a call on Monday XX/XX/2024 and was on the phone for over an hour with XXXX, she was working on closing the account, she passes the funds from my checking to my savings which I do not understand why and at the end she told me she needed to do that in order for her to request a check with the funds. 

She told me three times or more than the check was going to be mailed on XX/XX/2024 and that i was going to receive the money between 7 to 10 business days. Today, XX/XX/2024 I gave them a call to follow up and see if they shipped the check but was told by multiple people that they were not going to send a check because they need 30 days since I filed the disputes to make sure the merchants do not come back to claim the money back. 

That is absolutely crazy and unprofessional, the fraud department did not wanted to be on the phone, the dispute department did not wanted to be on the phone, eventually after 57 minutes on the phone, a manager called XXXX told me he could see all the notes and see how on XX/XX/2024, the check was requested but someone else cancelled the request, also told me so many other employees were doing stuff my account and he could not understand why everyone put their hands in there. 

He told me the dispute was on the XXXX and by XX/XX/XXXX the 30 days period will be done which means I will be able to receive the funds. 

I need this claim to request PENFED a clear solution to my case, the are retaining MY MONEY, they are not providing clear information, they say something and an hour later they will change their mind, they are being unprofessional, unresponsive and all I need now is my money back.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/ I applied for a personal loan with XXXX since they stated they were going to pull my Transunion credit report. Every time I have pulled my transunion credit report it shows a score of XXXX with no delinquencies which is consistent with what was ruled by an elected Texas Judge last month. When I got the response from XXXX they stated my transunion score was showing delinquencies and a score at XXXX because of defaulted debt. I filed a complaint over a month ago to make sure they information I was receiving was the same they were sending to lending companies. This shows that is NOT the case.
Consumer complaint received 2023-09-01
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. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I have a XXXX XXXX XXXX XXXX credit card, I paid the balance of {$46.00} on XXXX, XXXX, XXXX. The card was paid in full. The bill is due on the XXXX of every month. The store went out of business in XXXX. I keep receiving calls from comedity bank stating I owe a late fee of {$31.00} on an account that was paid in full on XX/XX/2023. I asked how can I be charge a late fee on an account that was paid in full before the due date. They said they would wave a {$2.00} interest fee but will not wave a late fee of {$31.00} that is being charge for the {$2.00} interest fee.which make no sense, seeing tha the card balance was paid in full prior to the due date.
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

I am not seeing the exact issue on the options so I did my best. 

I was sued on my private loans however. The issue is The XXXX XXXX is fraudulent and due to these issues and law suits surrounding for profit schools under the Navient school misconduct private loan discharge I am demanding my payments to settle the loan amount be refunded 100 %. Please contact me to complete the refund and send a check in the amount of XXXX. 

Thanks, XXXX
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

Navient is reporting to my credit that I have two open accounts that I owe money in which I do not one is for XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX I never opened an account Im a veteran and a surviving widow of a XXXX soldier, I was using the post XX/XX/XXXX GI bill
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased the prepaid American Express gift card in XXXX XXXX. I activated it. I tried to use it on several retailers but every single time the card got declined. On other retailers such as XXXX, the website will not accept the expiration year of XXXX. I noticed the retailers will accept XXXX ( XXXX  years from now ) but not XXXX. I've called several times into American Express ( XXXX ) and every single customer rep has said the same script that the card is fine, the retailer ( XXXX, XXXX, XXXX, etc. ) is the problem. I have no problems with other prepaid cards issued by XXXX. 
I paid a significant sum for this prepaid card and can not use it. 

The last customer rep I spoke with ( extremely rude, name XXXX ), on XX/XX/2024 suggested I add the card to XXXX XXXX and use it that. I did that. XXXX XXXX accepted the card to be used but when I went to the XXXX app to make my purchase, the transaction declined.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (SC)

I don't believe I owe the amount listed on my consumer reports. I am tad bit confused ; there is an inflated balance on this charge-off account from the balance amount. Also, my date of last payment which is listed as XX/XX/year> I am uncertain about that as well. May I request for the information for this account. 

Thank you
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

On XX/XX/2023 I contacted aidVantage to ask for a breakdown of ( 1 ) my current XXXX loan balance ( 2 ) my current XXXX  loan balance and ( XXXX ) total of all payments paid toward my graduate loans. They told me to contact the Department of Education. On XX/XX/2023 I called the Department of Education and requested the same as above and was told that aidVantage is the ONLY organization that can supply this information and to call them back. I called back aidVantage the same day and made the same request, they said they could not look this up but would make the request. I also sent them an email to make sure they understood the request. Attached is a copy of their response which is nonsensical. They said they do not have access to this information and asked me to find my original consolidation information and look there, but that makes no sense as it is about XXXX years old, would not contain interested accrued or payments applied and since my loans have been consolidated on multiple occasions, this is not possible. The Department of Education has made it clear that aidVantage is the only organization to supple the data and I hereby demand the send the information or forgive the full balance of all loans and submit a full refund for all payments applied. The are intentionally being negligent with my information, my payments, my balances and willfully withholding key information about my account. I would like to report them to the Federal Studen Aid for intentional and wilful disregard of the wellbeing of my account and finances and wilfully withholding pertinent information they are stewards of and required to disclose.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (IL)

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; 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 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 2023-12-20
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: Army and Air Force Exchange Service (OH)

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Consumer complaint received 2023-08-28
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. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

Ive had my car with American Credit Acceptance as the bank since XXXX I got the loan with and my APR is over 22 %. I am XXXX XXXX XXXX and joined XX/XX/XXXX. XXXXm paying for over two times what the car is actually worth
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2017. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-10-06
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

On XX/XX/ XXXX XXXX mistakenly processed XXXX from my Chime checking-within moments they cancelled the transaction. They sent me the cancellation and said funds never transferred out of my Chime checking account. Chime said I had to wait three business days anyway. I have and Chime now says they will return the money XX/XX/. I am not clear how they can just keep my money- my account has gone negative and I have no way to live this week. Seems like predatory use of my funds.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I have had a personal credit card with Citibank since XXXX. Starting in XXXX Citibank has decreased my credit limit-a total of THREE times-despite the fact that I made my monthly payments. I had my credit limit decreased TWICE in XXXX months : on XX/XX/XXXX and again on XX/XX/XXXX despite the fact that I made all required monthly payments. 

I have called and written to Citibank. When I spoke to Citibank they lied and said that part of the reason why my credit limit was decreased was because according to XXXX I was underpaying my monthly payments on other credit cards. This is a lie. During the same conversation, the same operation acknowledged that I had a " Good performance review with Citibank. '' I subsequently contacted XXXX and spoke to an operator who said that my account " Is clean '' and that " There is no negative information, no late payments '' reported to XXXX. 

Citibank has caused my credit score to go down by repeatedly lowering my limit. Every time Citibank lowers my credit score they disrupt my credit utilization ratio. Citibank has therefore caused me damage.

Citibank has violated the Fair Credit Reporting Act by failing to send me written letters informing me of their decision and explaining why. Citibank has failed to respond to my written letter. Why after 20 plus years did Citibank start to monitor my account and begin to regularly check with the credit bureaus about me? Because of discrimination. Citibank has violated my rights by discriminating against me based on gender and race.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

When I first applied for the card the store associate put the wrong address on my account. When I figured out the address was incorrect I called in to correct the address and get a new card. The agent was irritated with me so I'm guessing she didn't update the information and sent out a new card to the wrong address again. I called back to let them know I never received a card and I couldn't access my account with out the numbers on my actual card. They were sending it to XXXX. Finally, that card was cancelled and they sent out a new one. It took about 3 months for me to get an actual card so I was not able to create an account to make payments. I requested for the agent to have those late payment removed since it was their error twice and she said yes. But those late payments are still there.
Consumer complaint received 2023-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (MD)

On XX/XX/XXXX I called XXXX XXXX  to inquire about the XXXX fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer freedom mortgage stated they could not locate the XXXX fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted XXXX regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the XXXX XXXX  Assistance Fund ( XXXX ) agency. XXXX XXXX was advised that XXXX received and forwarded said funds to the XXXX Department for processing. ( Per prior complaint response from XXXX made in XXXX. ) the fund was never transferred and XXXX confirms receipt to the XXXX department on XX/XX/XXXX per XXXX. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer freedom mortgage is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The XXXX fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for freedom mortgage to benefit more from my loan. 
I have been asking where is the fund, XXXX has no record of the fund being returned to them. XXXX is unable to tell me where is the fund. 
Freedom mortgage sent me modification paperwork to sign 14 days from XX/XX/XXXX.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

After I filed a claim about U.S.Bank did not pay welcome bonus even though my account was opened and funded by the XXXX XX/XX/2022, they responded to say that the promotion is targeted, attaching a pdf fine print including a " added disclosure '' just good enough to exempt them from paying bonus. I attached a current fine print they have on their website right now without that statement. I read the fine print before I applied on XXXX XX/XX/2022 and was sure that I did not see this statement, in the case it was written obviously and in a such whole separate line. I was convinced that this pdf file is edited recently with purpose. One more thing is that when I applied, I input all the information, if my profile does not match with your intended customer, the code should not be applicable, as all other targeted promotion have been processed. 
Last but not least, as U.S.Bank did not refuse my proof of opening date and is trying to play another game, I was convinced that U.S.Bank should recognize that my account opening date is on XXXX XX/XX/2022, not breaking the promtion deadline.