davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

To begin this incident, I'd like to mention that my CIT savings account originally had a balance of {$22000.00} on XX/XX/year>. 

On XX/XX/XXXX I opened a new savings account with XXXX XXXX ( a subsidiary of XXXX ). I initiated a transfer of {$22000.00}, however due to an error with their mobile app, I did not see a confirmation that this transfer was requested successfully. I subsequently added another transfer of {$22000.00}. Two days later on XXXX the XXXX I received confirmation emails of both transfers. These transfers were initiated from the XXXX XXXX mobile app and pulled from my savings account with CIT Bank. 

On XX/XX/XXXX, I had seen that both transfers were processed and brought my CIT savings acount balance negative : the transfer for {$22000.00} and {$22000.00}. My original balance was {$22000.00} and as a result of the erroneous second transfer, my balance went down to - {$2200.00}. I called XXXX XXXX  for assistance and they mentioned to me that the {$22000.00} transaction will be refunded to my CIT savings account. Wanting to avoid a negative balance / overdraft, I had asked them to stop the {$22000.00} transaction. 

On XX/XX/XXXX, I had seen a return item of {$22000.00} from XXXX XXXX  on my CIT account. However, I was not told that XXXX XXXX  's system would automatically retry the payment. This resulted in another transaction of {$22000.00} on XX/XX/XXXX that appeared on my CIT savings. 

On XX/XX/XXXX, a return item of {$22000.00} was credited back to my CIT savings account. However, due to this auto-retry that XXXX XXXX  had done, this had caused a restriction to be placed on my CIT account XXXX 

On the XXXX XXXX  side, although the {$22000.00} was processed, it did not show up on my XXXX XXXX  account. I was left with a balance of {$0.00} on my XXXX XXXX account and left with a balance of {$0.00} on my CIT savings account. I have been in contact with both banks several times and have both been sent back and forth between CIT / XXXX XXXX. 

The advice I have been given from XXXX XXXX  ( XXXX ) several times was to call CIT and ask to file a dispute in order to receive my original credit of {$22000.00} back. The advice that CIT has told me several times is to contact XXXX XXXX  XXXX XXXX ) in order to get my {$22000.00} funds credited back to CIT. I am getting the run around from both banks.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Dear Consumer Protection Agency, My name Is XXXX XXXX. 

I have complain, I would like to file a complain. 

I have been told by Real Estate agency, and agent : our would be a predatory lending

by Mountain America. Mountain America would, might need to write off most off our loan, we would no longer owe the large amount of money. 

When they allocated this loan, it was calculated by market value of condo, regardless we had restriction of our condo for selling, and renting. Insted of calculating by buying price or not giving at all. 


We would like to solve our issue by causing extremely hgh interest, we are not able pay back to Mountain America. 

I would appreciate your help, in our matter. 

Thank you! 

XXXX XXXX That is called Predatory lending and is illegal. That bank could writing off.
Consumer complaint received 2024-09-21
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)

In accordance with the Fair Credit Reporting Act XXXX the account # XXXX, account # XXXX, account # XXXX and account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute certain account and inquiries on my credit report that are the result of identity theft. This is my second letter addressing this issue, and I am requesting that you remove or remove any information from my credit file that pertains to these fraudulent account. XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Hello, On Tuesday, XX/XX/2024 I reached out to Eastern Account Systems to verify and validate a debt shown on my credit report. 
After speaking with a representative and a supervisor I specifically asked for account to be deleted from my credit reports upon making a payment to close and settle account. 
I was advised by the supervisor that upon payment I would immediately get a receipt of payment made, however I also asked for a letter of confirmation stated account would be deleted from reports and that account was paid or satisfied or settled. 
The supervisor whom took my payment assured me that I would get the letter I asked for and agreed to upon payment within 34 hours and I never received the letter at all.

I did a follow up call asking for the letter and was told that the supervisor whom told me I would receive one was wrong because now supposedly no letters are ever sent out to clients or people whom make payments to close accounts. Therefore, so was lied to and mislead by this supervisor from Eastern Account Systems Collection company.

The supervisor representing the company Eastern Account Systems flat out lied and has conducted unprofessional business along with malpractice.

Furthermore, I disputed the information with credit bureaus and also received information stating that Eastern Systems confirmed balance as if I never paid it or closed the account which is absolutely not true as I have receipt payment to close account.

Clearly EAS has once again lied that I owe a balance that it hasnt been paid and are refusing to delete account as agreed via phone with the supervisor and with getting letter upon payment.

If need be I will take all necessary legal actions to pursue Eastern Account Systems for negligence, malpractice, misleading me and providing bad information which has and will continue to harm my credit and credit reports for a lier supervisor with its collection practices.

The representative whom provided me information about no notes or nothing being discussed of the letter I asked for for my records at EAC her name is XXXX or XXXX the call was made on XX/XX/2024 @ XXXX XXXX and lasted about 13 minutes long. She said she requested the letter supposedly and it would be 24-48 hours and that she has been working there for 9 years and shes never dealt with such a discrepancy.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (CA)

I am writing to bring to your attention a concerning issue regarding the conduct of XXXX XXXX XXXX, specifically regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX XXXX XXXXXXXX XXXX  disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge XXXX XXXX XXXX to investigate this matter promptly and take appropriate action to ensure compliance with consumer protection laws.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I have this Citi XXXX for close to XXXX  years. I paid down the balance to XXXX over a year ago. I get bombarded on a weekly basis with marketing to utilize the card and that I have {$5400.00} as my avaialble credit limit. You can use for debt consolidation, etc. Now I had an interest free promotion coming to an end on another item and decided to pay off the {$3400.00} balance with this card, last week ( XX/XX/2024 ). Yesterday before my new first payment is even due, they unilaterlly lower my credit line to {$3500.00}. This will now have a trigger effect on my credit score to the negative and obviously damage my overall credit standing. How is this allowable or even warranted? My biggest issue with this is the constant marketing via email, snail mail and so on to utilize their product, which I did and now I get punished. I believe this is one of the biggest problems facing consumers today and it kind of goes unnoticed. It's a subtle way for banks to negatively impact one 's credit score by simpliy lower their available credit, which then lowers credit scores and obviously increases interest rates! What a disgrace.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

An unauthorized individual accessed my Experian account and changed both my email address and phone number without my consent, raising serious security concerns. Despite numerous attempts to recover my account by providing various personal details and prior contact information, including addresses, phone numbers, and previous email addresses, I have been unsuccessful. Additionally, efforts to sign in using my previous phone number and XXXX have failed to send verification codes to my phone, despite the correct number being displayed on the verification page. I am deeply troubled by the apparent ease with which the email address can be changed, contrasting sharply with the extensive security measures required to recover the account, which involve navigating numerous obstacles. 

XXXX Attempts : Multiple phone calls to Experian have been made in an effort to resolve this issue, but to no avail.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (LA)

On XX/XX/year> I deposited a check with Axos bank. The check came from XXXX XXXX. The check was supposed to deposit XX/XX/year>, but Axos could not deposit it because they said XXXX XXXX stopped the check. XXXX XXXX says they never stopped the check and Axos should be able to disperse the funds. I am now overdue being paid by over a week and I may have defaulted on a loan because of this mix up
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I received a call from someone claiming to be from chase, but it turned out to be a fraudulent representative. They tricked me into providing information and ended up defrauding {$1500.00} from my business checking account. Despite numerous attempts to resolve this fraudulent situation by calling Chase and filing claims, I have not received a satisfactory resolution. Therefore, I am escalating this matter by filing a formal complaint against the bank.
Consumer complaint received 2024-03-29
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: Mr. Cooper Group Inc. (MD)

On XX/XX/XXXX, I filed disputes with XXXX, XXXX and XXXX regarding Nationstar ( dba Mr. Cooper, servicer " Rushmore Servicing ) regarding the errors and account history. On XX/XX/XXXX, the date of the last reported update to the credit reporting agencies by Nationstar incorrectly reports the mortgage balance as {$350000.00} ; date last payment XX/XX/XXXX ; actual payment {$5700.00} and date of last activity as XX/XX/XXXX. On XX/XX/XXXX, Nationstar ( aka XXXX XXXX ) sent a correspondence to me indicating the have provided updates to the CRA disputes. I went online to my accounts to all three of the XXXX XXXX XXXX to review the dispute results and credit report updates reported. Nationstar 's reported to the CRAs that their information was accurately reported and made no corrections. I submitted a dispute second dispute with all three CRAs on XX/XX/XXXX, and requested a reinvestigation of Nationstar ( aka XXXX XXXX ). I submitted copies of my mortgage statements from XXXX to the CRAs as evidence that the mortgage balance is {$350000.00} and timely mortgage payments for XXXX and XX/XX/XXXX were paid. On XX/XX/XXXX, I received correspondence from XXXX indicating that the received the inquiry from XXXX regarding my dispute and that they responded to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called the XXXX and XXXX CRA dispute resolution departments. I was informed that the only way that the corrected mortgage balance ; and monthly historical account information for XXXX, XXXX and XX/XX/XXXX could be changed is initiated by Nationstar, regardless that CRAs have the document evidence that the information proof that Nationstar is failing to accurate report the mortgage balance and monthly historical payments since XX/XX/XXXX. On that same day I also called Nationstar ( XXXX XXXX ) to express my complaints that they have negatively impacted my XXXX score which has discreased by XXXX points as a direct result of their failure report my mortgage payments since XX/XX/XXXX. The XXXX score show that only XXXX months of mortgage payments have been by Nati onstar. I am directly being severe harmed financially and my ability to obtain college financial aid ( college loans ) is directly harmed by the decreased credit score. My daughter is going into her second year of college for XXXX school. My credit score is directly used in the Federal Parent Plus Direct Student Loan Application. Further, I am not able to apply a Home Equity Line of Credit with my XXXX XXXX XXXX, who told me to wait XXXX months for the Nationstar to show my mortgage historical account information. I will not be able to send my daughter back to college in the XXXX XXXX if I am unable to secure Federal Parent Plus Direct Student loan because of the harm that Nationstar ( XXXX XXXX ) has caused for their failure to fairly and accurately report to CRAs.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been working with a XXXX  management team, XXXX XXXX, to move my funds, various IRA 's including Merrill 's, to XXXX XXXX, via rollovers. We ( XXXX XXXX and myself ) have been working with Merrill since XX/XX/2024 to facilitate the rollover. They had me liquidate, at a loss, all my accounts into a holding cash account, where they have been sitting for almost XXXX  months. Every time we get on the phone, we are told it's processing and should soon be resolved. We have completed, submitted and resubmitted their required forms and there is aways a period with no response, followed by an ambiguous letter stating the transfer was denied. We even completed wire transfer forms under their XXXX 's request, but the funds were still not transferred. I have now been out of the market for XXXX  months, resulting in at least {$15000.00} opportunity loss and there is no end in sight. I want Merrill to release my money in a proper rollover to XXXX XXXX.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX  XXXX XXXX, XXXX, $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have tried XXXX times now to speak to a supervisor as to why my account is past due. I spoke to a rep on XX/XX/2024 who assured me that the issue was a bug and that I had nothing to worry about, at the time I was past due by {$400.00}. I called back on XX/XX/2024 and spoke to a different rep, she explained that I was past due and now owed {$810.00}, I asked to speak to a supervisor and was transferred to another rep XXXX XXXX XXXX who also told me I owed that much. XXXX went one step further and informed me that I was placed on " XXXX XXXX '' and that for some reason one of the loans was not and that's why it keeps increasing. XXXX then patched me over to a supervisor but it went to voicemail and I was told that a supervisor would call me back in XXXX days. I was never contacted and its been over a week. They did send an email stating, " We tried to contact you, but could not reach you '' XXXX days later. I have no missed calls or voicemails from Mohela. My account is now {$1000.00} past due. I tried to speak with a Supervisor today XX/XX/2024 and was placed on hold then hung up on. 

My biggest concerns are, my repayment set up automatically and yet I am " past due '', and I wasn't informed of being placed in XXXX XXXX  nor did I request it.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I wrote to Mohela on XX/XX/XXXX regarding a payment I had made that was debited from my checking account and never reflected on my loan balance. I have still not received a response from Mohela aside from an auto response. 

A payment of {$570.00} was made on XX/XX/XXXX and still does not reflect on my account nearly XXXX  months later as of today XX/XX/XXXX. My account not only needs a balance adjustment of this amount but any interest incurred on this amount since XX/XX/XXXX needs to be removed from my balance as well. 

My account is also missing a {$100.00} payment in XX/XX/XXXX that is a payment from my employer via XXXX XXXX.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (WI)

AMEX solicited Business Platinum Credit via several mailings along with terms & condition inserts, which I reviewed scrupulously, before providing my electronic signature collateral to verify specific criteria used for credit extension, per the FCRA.

Shortly after several hard inquiries by AMEX were recorded on my credit record, I received a letter from AMEX, dated XX/XX/year>, requesting my personal tax transcripts, with attached disclosures citing the Federal Equal Credit Opportunity Act, Consumer Credit Protection Act & the Bureau of Consumer Financial Protection. Within these Acts, application prerequisites shall be disclosed BEFORE selection of the consumer for the offer of credit. Section 10 ( b ) ( codified in 15 USC 78j ) is the primary anti-fraud statutory provision. The SEC primarily enforced this anti-fraud provision under Rule 10b-5, which prohibits the use of any " device, scheme, or artifice to defraud. '' Rule 10b-5 also imposes liability for any misstatement or omission of a material fact, or one investors would think was important to their decision. AMEX did not include any information in account opening disclosures pertaining to personal tax transcripts.

I provided Valuable Consideration in exchange for credit that was deceptively captured via my social security number, several times, significantly impairing my XXXX credit score.

The Securities Exchange Act was designed to force corporations to disclose information investors would find pertinent to making investment decisions. Requesting further personal information, outside of a social security number, such as personal tax transcripts AFTER demolishing my credit, is unquestionably unacceptable.

If you can not see the code you developed to make my account, in the photos attached, here it is for your convenience : XXXX. 

Furthermore, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely.

I've also attached my revocation of POA. Please provide me with AMEX process for retitling my account.