davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (TN)

In response to a recent complaint regarding XXXX XXXX transactions, XXXX XXXX XXXX stated the issue lied with the US Bank checking account used to make payments. Their response ( attached ) stated repeatedly to reach out to US Bank, as the error is on their end. Their response is incorrect, as a representative identified the error from their side, but US Bank has refused to provide information corroborating this. On XX/XX/2023, I received several emails from XXXX XXXX XXXX XXXX stating that payments had been returned. These payments had been made on 4 dates ranging from XXXX through XXXX for the following amounts : $ XXXX $ XXXX $ XXXX {$850.00}. After calling XXXX XXXX, I was told their system showed that US Bank had requested these payments be returned. At no point did I request the returns. Upon checking payments to XXXX XXXX were posted and available credit reflected those payments as being received, but the amounts did not leave the checking account, nor were they returned on XX/XX/XXXX. Attached XXXX XXXX statements will show successful payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( x2 ). However, attached US Bank statements from the corresponding checking account will show that those payments were not reflected. After several hours on a call with XXXX XXXX, a representative did identify an error caused by XXXX XXXX, and requested confirmation from US Bank that it did not request returns on said payments. I have been unable to receive any information from US Bank other than being told to " See statements '' as they show US Bank/myself did not request returns, but this provides no detail for XXXX XXXX offices . XXXX XXXX refuses to rectify credit bureau reporting errors caused by this until they have confirmation that US Bank did not request those payments be returned. Any information US Bank can provide regarding this checking account 's interaction with the XXXX XXXX related to these payments would be appreciated, as I have received no details after multiple attempts. Attached are corresponding US Bank/XXXX XXXX statements , as well as XXXX XXXX response to the CFPB
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am a Bank of America customer I went to the Bank of America ATM drive-through to deposit cash through the ATM as I was depositing my rent. The ATM froze. I called the number on the ATM to let them now they froze and I already put in {$980.00} it was not credited to my account. No one could help me inside of the bank, I had to call the number back. They said they would start a claim its too its three days later my money has not been credited to my account. No one is doing anything outside of giving me a claim number and telling me that its going to be an ongoing investigation. I deposit the same amount of money into my account every month to pay my rent, now I am facing an invention where I will have to leave my home by Monday the bank is not doing anything for me. I am being robbed by Bank of America and me and my XXXX children are going to be homeless. No one is doing anything. Its {$980.00}. They shut the machine down. I just went by there yesterday its back up and running and I still havent been credited my money.
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (PA)

My FSAL was scheduled to close in XXXX, this did not happen. ACS was the loan holder of record. 

Why didn't the FSA loan close as scheduled in XXXX? 

Instead the loan was acquired by XXXX in XXXX and two cancelled loans from XXXX, XXXX dollars, never disbursed were added to my FSA. This is illegal. Another TRUMP ADIMISTRATION FINANCIAL CRIME! 

The FSA promissory note was signed in XXXX for 14 loans, scheduled to close in XXXX. 

Where are the records that record my FSAL was scheduled to close in XXXX? Who has them? It is illegal not to have a record of when loans are scheduled to close. 

My FSA account now shows there are 17 loans, this is fraud! There is one promissory note for 14 loans signed in XXXX. 

Close my FSAL immediately! It is five years passed the scheduled date to be closed. 

The XXXX one loan consolidation is too old to be reported to the National Credit Bureaus as it is passed the 10 year old reporting date. 

Close my FSAL account immediately it is five years passed the scheduled close date XXXX XXXX 

It appears this is another TRUMP ADMISTRATION FINANCIAL CRIME!
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IA)

Chase acct XXXX was setup in my name. A business controls it and using it. 

Now they say a business controls it. I have ro pay XXXX to get the business released and XXXX fees for getting them money. plus they say they cant wire it to another bank plus rhey require id.me verification which is hard to get
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management (KY)

i had ask for your help in later of XXXX I was told to contact Plaza XXXX for more information!!!! i had told Plaza XXXX that i had been trying to get this account fixed!!! I had sent them the police Reported that im summitting to you Now!!!! I was told that ... they will close my account so i wont get any more phone calls, But they can not Remove to collection because the DID NOT REPORT IT TO THE CREDIT AGENTCY.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

My credit card was charged unlawfully, on XX/XX/XXXX at XXXX XXXX and on my return to US next day I filed a formal complaint and request those charges to be removed from my account. Credit card rep. on the phone agreed, opened a case and reversed those charges until they were investigated. 
I did not hear back again from the credit card company until XX/XX/XXXX phone call, which was 107 days later than the dispute was opened. 
I was told that charges were going to be put back in my statement in 48 hours,  and they did. 
I was under the impression that this case was resolved and that was the reason charges were out. When I read my billing rights I saw it states clearly that any dispute needs to be resolved in 90 days or less. 
My rights as a consumer were violated, and not getting back to me in a timely manner weakened my hand to collect necessary info, or act on the time sensitive case. 
I wrote to them XX/XX/XXXX and requesting removal of baseless charges from my account, but after 13 days passed charges are still on my account, and again no answer from credit card company.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

I was never a member of XXXX, I never gave my information, I only inquired about membership. I am a member of another gym and Do not understand where this debt is coming from. I wish to stopped be sought out to pay a debt that is made up by the company and i wish to dispute said amount.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Reported : XX/XX/2023 XXXX XXXX  Account Number : XXXX Reported Date : XX/XX/2023
Consumer complaint received 2023-11-17
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX XXXX : Act # XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I explained to both XXXX XXXX XXXX XXXX, the company, and XXXX that the debt is incorrectly listed and it was included and discharged in bankrupcy. I sent all of the paperwork including the letter from the attorney to both Equifax and XXXX XXXX XXXX XXXX. 

XXXX promised me they would take care of this on their end, multiple times. I also have a dispute resolution file from Equifax where on page XXXX of XXXX, it clearly only says UPDATED, but it doesn't say REMOVED. As of today it still shows up on my credit report when it should not.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (AL)

I think there may be an issue with your records or data, perhaps my info was mixed up with someone else. i only had one account with Possbile and thats account # XXXX. Unfortunately, theres another account reporting on my profile with a balance of {$230.00} XXXX this account is not my and im asking for it to be removed.
Consumer complaint received 2023-09-07
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} 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 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I am the XXXX and XXXX XXXX as XXXX of the XXXX  XXXX XXXX XXXX. My credit report doesn't indicate that I have an employment. I have been reporting payroll to federal government and California state. 

The credit reporting must indicate that I am self employed and working.
Consumer complaint received 2017-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I can not afford my monthly payments with  Navient  and they will not budge. I was able to reduce them to {$180.00} which was already too much for  XXXX  but in  XXXX  they went up to {$220.00}. This company has ruined my credit and will not budge when I tell them I am struggling to survive making their payments. I have a  Federal Loan  I pay $  XXXX /month on and it is totally manageable but  Navient simply will not let me set my payments. I would like to pay {$100.00} a month even though that is more than I can really afford but they will not budge.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AZ)

Hello, I recently started using Venmo as a direct deposit my last direct deposit on XXXX has been held and my account was suspended. They are claiming suspicious activity. I provided my ID like they asked and they still have my permanently suspended. All Im asking for is for them to give me my hard worked money. I will use cashapp going forward.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (AZ)

I quit XXXX on XX/XX/XXXX. They refused to port my number over to my new carrier and charged me for 2 months thereafter when I had no cell service. Some months later, I was sent to one collection agency after another for a bill of {$100.00} that I did not owe. I'd call and explain the situation and every agency sent the " debt '' back to XXXX. This has been a continual harassment since then. Now I have Jefferson Capital LLC of XXXX XXXX, MN reporting this as a derogatory on my credit report. I called them today ( XX/XX/XXXX ) and was told that they would put it into dispute but the rep there could not tell me what that meant or what would happen going forward. My XXXX score has crashed by XXXX points over this one item that is false reporting. My XXXX was XXXX and is now XXXX on XXXX. This is the only change in a while other than their usual minor blips. I pay any bills that I owe legitimately and on time. I do not, however, pay bills that I do not owe. XXXX and Jefferson Capital are responsible for damage to my credit score and my peace of mind. Three years of this harassment is just too much!
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

Debt owed to  XXXX   XXXX   XXXX   XXXX  for {$120.00} was paid to  XXXX   XXXX   XXXX  on  4/04/17.  Received letter from  Southwest Credit d ated  4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou  thwest Credit  dated  4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes  t Credit on 5/03/17 and was told they would continue collection action on this account.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Yes I had mad a deposit the day before I was working I made a big deposit for XXXX $ dollars on XX/XX/2023 and on my way to work I stopped for breakfast at XXXX and I spent {$10.00} on XXXX the XXXX XXXX my card was lost apparently when I contacted the bank I noticed all of my money was out of my account but I didnt notice until the next morning I tried to get breakfast again so while at work I contacted the bank ant let them now I lost my card and that there was a unauthorized charge made on my account while I was at work for {$5800.00} at a placed called XXXX XXXX XXXX XXXX I was work with bank to get this resolved they said I was gone XXXX a credit but ended up not getting a credit and no reason why Im just very frustrated that {$6000.00} dollars is just gone so yea im filing complaint be this is not right thats places when I called is like a hour and 15 min from where I stay
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank (CA)

XXXX XXXX XXXX XXXX XXXX. and its correspondent Deutsche Bank US failed to properly process and refund a wire for over XXXX XXXX XXXXhat was sent by my attorney from his trust account. First they improperly coded the wire indicating it was a conditional sales contract then delayed in amending the wire. This wire was initiated on XX/XX/2023 and was credited back to Deutsche Bank NA on XX/XX/2023 but still has not been returned to my attorneys trust account XXXX XXXX. I have no money and I urgently need this money for food and emergency medical care but XXXX XXXX XXXX and Deutsche Bank US fail and refuse to credit the money back to my attorney so he can resend it. In addition to stealing my money and improperly handling they have caused me unnecesary attorneys fees of XXXX XXXX I am asking that these institutions refund the money immediately and reimburse me XXXX XXXX for totally unnecessary fees and cost
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, 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. (FL)

Please delete these hard inquiries 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 ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -XXXX  XXXX