davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (OH)

The account was opened XX/XX/XXXX the account was closed XX/XX/XXXX. The account was closed due to fraudulent check being deposited into an ATM after hours the check was never cashed out. Upon talking to XXXX I notified them that I didnt do it and had no knowledge of this deposit they said it would be resolved, their resolution was closing the account and reporting it to XXXX
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I lost my job a few months ago and incurred a small overdraft fee of {$110.00}. I did n't have any funds to pay so my account sat in the hole a while. I finally obtained a new job and called Citizen 's Bank on XXXX XXXX, 2017 to ask if it would be ok if I set up a direct deposit into this checking account. I understood they would take the {$110.00} from the direct deposit balance but the representative explained that everything would be fine to set a direct deposit with a funding date of XXXX XXXX, 2017 and there would be no negative impact on my account. I set up the direct deposit with my employer and also filed my federal tax returns to be deposited into this account. Pay day comes and my card declines at the store, I checked online banking and the account was showing as closed and charged off. I called customer service and they said to speak with recovery, recovery said that although I was clearly misinformed and my account was set to charge off, there was no way to keep my same account information. I called customer service several times, escalated through different departments and received different answers from each representative I spoke with. A rep even hung on me after placing me on " hold ''. I was directed to my bank branch, where the manager told me to my face that she had full " discretion '' to open a new account for me but refused because of the negative balance. I explained several times that the direct deposit was set up and that I was told to set it up by Citizen 's Bank so that debt could be paid and my account would remain open. With this confusion Citizen 's refused to recover my original account. I did n't have access to my paycheck for another week and had to borrow money from friends and pay back with interest, I had to change all my banking info with HR which could cause a delay with my next paycheck, and I also am not able to change my account info on my tax return which will now cause an approximate 10 week delay on my refund because a papercheck will need to be mailed after the bank rejects the funds to the closed account. I 've already been out off work for 5 months and need immediate access to any funds available to me. The bank giving me this misinformation has put me in a tough situation financially and no one helped me and I was treated like XXXX by almost everyone at the bank. I would have never set up direct deposit for a closed account. I would have paid the {$110.00} ( hence me trying to make arrangements ) and set up my direct deposit for a different account. I have no clue when I 'll get my taxes and I need to catch up on bills I fell behind on being out of work.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My complaint is that the credit reporting agencies are breaking the law. By not excluding negative information, and transaction history. These are excluded according to Law. My complaints, against Transunion, XXXX, XXXX.
Consumer complaint received 2023-12-14
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. (NC)

I would like for the folling inquiries that I haven't given authorization or authorization to pull my crefit file it is a direct violation of fcra to report incorrect or unauthorized inquiries on my credit file.pleasehave them removed immediately See Below Transuinion is reporting XXXX -XXXX  XXXX XXXX XXXX XXXX is reporting XXXX These inquiries need to be removed and are a direct violation and predators.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I have 3 US Bank Business credit cards. The way the online system is setup - it's way too confusing for anybody to understand how to make payment?, what is the balance? and is there any fees being charged or not? 

For more than 6 months, I suffered from this. Finally US Bank assured me that they will make a separate billing for all the business credit cards but nothing was done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like XXXX and XXXX XXXX. But even i can not get how to deal with this US Bank. 

Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. 

I called them during last 4 days - they were clueless. 

What I want? 
Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. 
In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX Balance : {$18.00}.
Consumer complaint received 2024-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Issue : I have fallen victim to identity theft perpetrated by a fraudster. However, Bank of America ( BAC ) is compounding the situation by severely damaging my FICO score through incorrectly labeling the closure of my credit card as a Unpaid Balance Charge-off.

Requested Resolution : I urge Bank of America to accurately communicate to the credit reporting agencies that my credit card was closed due to fraudulent activity perpetrated by an external party. 

Background : In [ XXXX, XXXX ], an individual identified as XXXX XXXX XXXX approached my family, offering assistance in reducing our debt burden through the XXXX XXXX XXXX program. He requested that we transfer [ {$67000.00} ] to his account. Subsequently, he made several ACH Payments to our Bank of America credit card, only to reverse the transactions and abscond with our funds. On XX/XX/XXXX a claim was raised by us with Bank of America for the investigation of the fraudulent activity. In response to the claim we received a letter from debt collector first source on XX/XX/XXXX. 
Additionally, we have reported this fraudulent activity to law enforcement entities including the XXXX XXXX, CA police ( report no XXXX ).
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

I filed a complaint of an unauthorized transaction on XXXX/2023 in the amount of {$270.00}. The results of the claim states that I recevied the services. The claim that I filed was in regards to an unauthorized transaction in which I was overcharged on my bill. The results are confusing and unclear because Navy Federal Never provided the documentation providing the reason for their determination. The transaction was unauthorized. I am requesting that all documentation that used in the decision of the claim be provided to me promptly.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

PayPal user XXXX XXXX contacted PayPal customer service today ( XX/XX/2023 ) with regards to this money, which was put into a holding account. According to customer service on XX/XX/2023, the money was put into this account because XXXX violated the user agreement. I was informed that I should be receiving a refund for the failed transaction, however, XXXX now informed me that I will no longer be getting this refund, according to PayPal customer service representative, XXXX. I would like PayPal Holdings , Inc. to be held accountable for committing the federal criminal offense of fraud, and to receive a full refund for the transaction that took place on XX/XX/2023, for {$1100.00}.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (OK)

Inaccurate bankruptcy record on my credit report. XXXX XXXX deleted from my report already. Also XXXX  deleted. Please delete this inaccurate information from report or I will have to take legal action.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NV)

I am the co-signer on my Son 's student loans. When my son was preparing to go to College XXXX was willing to loan him the money but the interest rate was extremely high and they advised if he obtained a cosigner it could lower his interest rate. I could not afford to pay for my son 's College so I agreed to cosign the loan because at that time we were told that I could be released at a later date once the student proved that he was able to make the payments. I contacted Navient to find out what we need to do to have me released as his co-signer. They state that he MUST graduate, which he did n't and he does n't intent to go back to school due to the costs associated with it. He now has a really good job and has been paying back his student loans. The Navient representative I spoke to stated that because he has not completed his course of study I can NEVER be released as cosigner. I ca n't believe that there is NO way to release a cosigner if you did n't graduate. That is discrimination as far as I am concerned. Is that even legal to not have a way for a cosigner to be released?? My husband and I would like to purchase a home but we ca n't obtain financing due to my cosigning of the student loans and it makes our debt to income ratio to high.
Consumer complaint received 2023-12-14
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: Experian Information Solutions Inc. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

XXXX XXXX XXXXXXXX Card Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX I have reached out to all companies and all credit reporting bureaus.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX 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 2023-12-14
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: CITIBANK, N.A. (IL)

I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (CA)

Reached out all three Credit Bureaus several times on this matter, no one wants to help me with these items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (UT)

My Loan was transferred from Rushmore Loan Management Services to Rushmore Servicing. Two different Companies. The first issue occurred on XX/XX/XXXX. My account is on autopay and they debited my account twice. Once on XXXX when the payment was due, and then once again on XX/XX/XXXX. I saw the amount come out of my bank account twice and immediately called them. They said it was a payment error and they ended up sending the money back the next day. 

The second issue is the old company, Rushmore Loan Management Services, incorrectly reported my payment delinquent to the XXXX Credit reporting agency when the loan balance was at {$0.00} AND I have proof of a history of payment to the new servicer. because of this, my credit score dropped XXXX points in one day in the middle of a loan application.
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We, XXXX and XXXX, do not owe a debt to DITECH FINANCIAL for the following reasons. It or its predecessors repeatedly acted to financially injure us in amounts that far exceeded an alleged debt, in violation of the contract and State law. In XXXX instance, the original lender, XXXX, or its agent charged my account approximately {$5000.00} in " legal fees '' but fraudulently reported the amounts I paid to the Internal Revenue Service as mortgage interest paid. We complained to the companies and demanded that the money be refunded or credited to the account. The amounts paid to the companies were applied illegally to " legal fees, '' but not the principal balance or " mortgage interest. '' The amounts paid to the companies, including damages far exceeded the alleged loan obligation. 
Further, under the laws of the State of California, the statute of limitations prevents them, or their agents or assigns from obtaining a judgment to collect on this expired, fraudulent claim.
Consumer complaint received 2023-12-14
Product: Credit 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: U.S. BANCORP (FL)

I bought airlines ticket from XXXX XXXX XXXX to go to XXXX XXXX. I arrived XXXX but my 2 suitcase did not. I field a report with XXXX  XXXX at XXXX airport. 6 days later my 2 suitcase was found and shipped to the address I was staying in but was damaged and missing items. I reported that to the airlines when I returned back home in XXXX but they denied my claim. I reached to my Credit card company US Bank and the refuse to dispute the charges because I used the ticket to travel but I am disputing the misses handling my the delay, damage and missing items. I received no help or compensation from the air lines. I spoke with my travel agency and they said I should get compensation for the delay damage and missing items. More than 6 reversative from the travel agency has contacted the airlines but no one was able to get any respond.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, KS XXXX Complaint Against Aidvantage for Failure to Respond to Debt Validation and Unauthorized Account Changes Dear CFPB, This letter is to formally register a complaint against Aidvantage, my federal student loan servicer, for violating my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

Account Details : Borrower Name : XXXX XXXX XXXX Loan Account Number ( s ) : XXXX Nature of Complaint : Validation of Debt, Request for Confirmation On XX/XX/2024, I submitted a written request to Aidvantage for debt validation in accordance with my rights under the FDCPA. This request has been completely ignored, and I have not received any response from Aidvantage. 

Furthermore, without my consent, Aidvantage has recently : Increased my interest rate on the loan ( s ). 
Modified my forbearance schedule, moving up the scheduled payments. 
I have not been informed of the reasons for these changes, nor have I been given the opportunity to contest them. 

Requested Relief : I request that the CFPB investigate these matters and take appropriate action against Aidvantage to ensure they : Validate the Debt : Provide detailed information regarding the origin and validity of the debt. 
Reverse Unauthorized Changes : Revert my interest rate and forbearance schedule to the previous terms unless they can justify the changes in writing. 
Comply with the FDCPA : Respond to my debt validation request within the legal timeframe. 
I am attaching a copy of my original debt validation request to this complaint. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit 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: SYNCHRONY FINANCIAL (MD)

Synchrony Bank allowed XXXX to charge {$7600.00} from my credit card closed account without my authorization, for furniture that I rejected because was broken and with assembly defects. 
I did not provide my signature on the delivery paperwork. 
I explicitly rejected the delivery and asked the delivery personnel to remove it from my house. I want to emphasize that the delivery was made in the middle of the night wich is unacceptable. 
I contacted the store to solve the problem and they didn't contact me on time. 
I contacted the bank and a customer service agent advised me to remove the furniture from my house. 
I did not accept the delivery, the delivery company left the furniture without my consent. 

I called many times to the bank and they confirmed me that I wouldn't be charged.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (IL)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL 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
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXX Collection Services XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )