davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

On this day of XX/XX/XXXX, XXXX, I received weird and/or unusual notice. I would enclose the copy. The company claimed that their decision is based on what is provided to them by two credit reporting companies. I did not send any application to the credit company though. I called XXXX for fear of the duplicate or whatsoever stuff that always got me trapped by perpetrators who always get away with injustice very easily. Since my social security number could not match with the account number., they claimed that it is a third party which applied on my behalf. I do not know the third party though. I suspect retaliation and/or bully. Whatever punishment and/or destruction is ahead., I am bothered by the persecution. Remember., XXXX XXXX XXXX XXXX He said., I did not fail. I discovered one thousand things that do not work. I do not know where the punishment plan is originating from., but I would not waste time on some kind of maximum-security prison like bureau which is called XXXX which is in perfect alignment with the ID theft/punishment ring since XX/XX/year>.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

In XXXX my account was hacked for XXXX it caused an overdraft fee to occur and the bank applied a {$50.00} credit on my checking account. The bank stated that I withdrew the money at a gas station in XXXX. I never withdrew the money from the banker at Regions in XXXX XXXX GA, even said the withdrawal times didn't make sense but region corporate refused to refund the money into my account. They currently owe me {$80.00} I have tried over and over again to get this resolved and Regions has failed again and again.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (FL)

Us bank has locked me out of my account, repeatedly lied to me and even employees have hung up in my face ( XXXX ) supervisor fraud and dispute division after having me on hold for over a hour. They attribute me lock out to me changing my phone number on the account but thats complete XXXX! My account has been locked since Thursday the XXXX XXXX XXXX and no change has occurred. I havent been able to eat, buy any food, get transportation or even feel comfortable and its effecting my sleep because Im filled with XXXX, I am very very upset and angry at US Bank for basically stealing my money and not doing anything to help me! This is so XXXX annoying and Im over it with US BANK, I have called everyday and nothing has happened. This is so XXXX for them to be able to just lock me out of my XXXX account where us bank is taking no risk on my secured card I put my own money on that card so I WANT MY ACCOUNT UNLCOKED AND IM MOST LIKELY GOING TO CLOSE THE ACCOUNT BECAUSE THIS XXXX IS ILLEGAL! I literally cant even buy XXXX food and Im starving because some XXXX at US bank decided to put a lock on my account and now I have to wait for a call back to make sure I made the changed on my account thats completely ridiculous and I extremely upset US BANK CALL ME IMMEDIATELY AND UNLOCK MY XXXX ACCOUNT!
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I never received any corrospondence to challenge this debt. Ive been threatened with legal action and now the debt is affecting my ability to get a decent job. I would like to settled for negotiation and a pay for delete. I never gave permission for the debt to be sold off.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America/ Merrill Edge blocked access to the accounts under them at Merrill and did not allow access to my funds for multiple weeks as it seems they initially thought some fraud was happening in the account.

After calling them and giving them all the information they wanted and changing ID and passwords per there recommendation they still kept the account blocked despite assurances that the changes done would suffice to release the block.

After 3 weeks of providing all the information asked, the account block has not been lifted, and after multiple phone calls made in those 3 weeks where each successive agents/service person assured me that it was getting resolved within hours am still waiting for the block to be lifted and am now short of funds for completing a real estate transaction.

This is for someone who has been with them for decades as a client, so they have adequate information on self.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Timely payment maintenance on this account has been consistent, avoiding any instances of overdue payments. The existence of late payment remarks on my accounts leaves me puzzled. In accordance with 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Consumer Finance, Inc. (RI)

United Consumer Finance I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. United Consumer Finance said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. United Consumer Finance still til today got in my credit score a 30 days late. Which it was never late.
Consumer complaint received 2024-01-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (HI)

About a week before my Citibank CD matured on XX/XX/XXXX, I called Citibank to give instruction on what to do with the CD at maturity as I was leaving for an international trip on XX/XX/XXXX, so it would be difficult to call that day. The agent that I spoke to told me that I needed to call on XX/XX/XXXX with the instruction and that she could not do anything in advance as that would trigger an early close out penalty fee. I repeated that I did not want to close the CD on the present day and that I only wanted to leave instruction on what to do at maturity as I did not want it to automatically renew. She insisted that I would need to call on the day of maturity to give instructions. I had also tried to find a way to complete this request on the Citi App but was unable to do so even though I used the Citi Live Chat for assistance. 

On XX/XX/XXXX, I called Citibank and spoke with an agent relaying specific instructions to close the 12 month, CD account that was maturing that day and to use the funds to open another CD with an 11 month term and a 5.25 % APY ( similar to another CD that I had recently opened ). I relayed that I was leaving for an international trip that day and would be out of country for XXXX weeks. 

When I returned from my trip, I logged on to my Citi App and saw that the CD had just automatically renewed at the same term of 12 months and 4 % APY. I was so upset because I had wasted so much time with 2 previous phone calls and they still did not do what I explicitly requested. I called for a 3rd time on XX/XX/XXXX and relayed to an agent what had occurred. I wanted my CD closed since it was the wrong product ( wrong term and wrong APY ) and I was so frustrated with their mistake and their refusal to correct it. They said that I would automatically be charged the early withdrawal penalty and there was nothing that they could do about it. 

I received my CD account closeout check for {$14000.00} on XX/XX/XXXX, although the account was funded with {$15000.00}. 

I called Citibank for a 4th time on XX/XX/XXXX to resolve this problem. I again requested a refund of the entire amount of the early withdrawal penalty as the CD was set up incorrectly despite my explicit instructions : I did not want the CD renewed. I had wanted a new CD opened with a different term and APY. I tried numerous times messaging them via their online chat since all the agents that I spoke to on the phone calls were unable to help me. There was no email or secure message avenue to contact them which I found even more frustrating as the phone calls were a dead end. 

I have attached Citibank 's email response that I received today on XX/XX/XXXX again refusing the refund of the early withdrawal penalty of {$100.00}. 

Thank you for your time and consideration.
Consumer complaint received 2024-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (DC)

My complaint is about the deception in the wording, " covid relief '' when I had been making payments late I was offer the opportunity to take advantage of the program, at the time I was struggling, along with the entire world to make payments on basic necessities, it seemed as a revelation from God, so I didn't questioned it, as many others I was thankful, at the time I owed the bank XXXX more or less, and j thought that things were actually going to look up for me, well this year I decided to part ways with the house, since the struggling times had comeback as I was trying XXXX fix the house to sell it, I was ready to part ways in an as-is condition, willing to walk away with only the money I had invested on repairs, but it turned out that the XXXX page contract that the bank sent me had intricate wording behind its title of " relief '' giving the fact that now my balance of XXXX had increased to XXXX taking away the little bit I was planning to walk away to try to build a fresh start for me and my XXXX XXXX XXXXXXXX XXXX, after all I have been paying all my mortgage payments on time since I bought the house, can I walk away with something or is that not allowed? The bank will not loose, never has, now that my house is under contract and about to be sold, the bank will be paid in full, but my question is, why do me and my daughter have to start from minus zero? Is there any justice when the equilibrium of things are set? If a pandemic starts are the little taxpayers supposed to be the only ones to suffer while the big entities like the banks thrive on? Or can we make it an even struggle? And let the bank actually provide said " relief '' since they already ripped the benefits of years and years of high interests rates and principals? I am not here to complain about my high interest 30 year mortgage, I agreed to it and was gladly making those payments, my complaint here is that we entered a global pandemic and a disaster package wrapped in the word " relief '' was offered to us, just to find out later on that there was no relief in it but sorrow, are we to let big entities thrive in the pain of the people without batting an eye or doing anything about it? The XXXX I could have walked away with it is nothing to a big entity that rips benefits of 30 year long loans, but to me and my baby was the one and only option we had between looking for shelter or being able to afford one. 

If this is what " COVID relief '' from a company supported and backed by the government does when a worldwide pandemic hits, which is, to use the name of said pandemic to take from the impacted without remorse and become fatter thereof, then I must say, worldwide pandemics make for good business. I must remark, that I was not looking for " loan modification '' or " forbearance '' plans, I took the " COVID19 relief '' bait, and I sure fell for it, as I was laying on the ground they made sure to take it all
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2023 I opened a Barclay 's Banana Republic credit card, which was supposed to be mailed to my home address within two weeks of the opening date. I did not receive the card, and as a result, I had to pay my initial bill over the phone. 

Since I did not receive my initial card, I have reported the card lost and have attempted to have a replacement card sent to my school address THREE times since opening the card. I still have not received my credit card, and as a result, I have not been able to create an account with the company, use my card, or view my credit score. 

Since I have been unable to use my card, my credit score is dropping due to low utilization. Each time I request a card over the phone, I am informed that I will receive it within 7-14 days, and the address I verify that the address they are sending the card to is correct, however, I have NEVER received my card. 

I would like to know what can be done about this, especially as this is impacting my credit score.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with PACIFICUNION with account number XXXX.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XXXX sent and was returned to me. XXXX sent and stated that they werent the one who sent it XXXX. Calling from different phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank-Care Credit XXXX on a payment plan XXXX XXXX amount still owed but different amounts are sent by mail XXXX taken, is in questioning because of different numbers calling but I respond every time
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (DC)

Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than XXXX years old. I have been trying to have my loans forgiven per the Biden Loan forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}