davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I tried to deposit money at the Bethpage FCU Drive Through ATM in XXXXXXXX XXXX at XXXX XXXX XXXX. I entered about XXXX dollars into the ATM in different denominations of bills income {$100.00}, {$50.00}, and {$20.00} bills. I did not enter more than the maximum allowed number of bills ( XXXX ) and they were all straight and flat undamaged bills. The machine froze for several minutes, and eventually spit out a receipt with a transaction error. This ATM is experiencing technical problems and unable to return one or more deposit items. We apologize for the inconvenience. 

I have now lost all of that cash, and am fearful that the bank will not compensate me. They do not have any hotline for this sort of error and I have left messages with the ATM company to no avail.
Consumer complaint received 2023-11-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

They have no contract with me, Ive asked for them to produce the note that I signed saying I would pay and they can not provide it to me because it doesnt exist. 

XX/XX/XXXX {$630.00} they say I owe to LVNV FUNDING llc XX/XX/XXXX {$510.00} they say I owe to LVNV FUNDING LLC XX/XX/XXXX {$460.00} they say I owe to LVNV FUNDING LLC I have disputed these but still no change. I am willing to go to litigation for this.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: KEYCORP (NY)

I have made payments to the bank ( KeyBank ) servicer XXXX XXXX XXXX ( XXXX ) and they are failing to properly credit my account ie. applying payments to federal loans only and not applying to my private loans. As a result they are incorrectly charging penalties, interest and ultimately reporting false information regarding late payments to the credit bureaus resulting in an unjustified low credit score when since XX/XX/2018 I have made multiple payments to them.

I have my bank statements and the email confirmations from their systems regarding payments. I want them to review all of the payments made in XX/XX/2018 to determine where my money is going and to find out if they are properly crediting my account. They also need to remove the late payments and interest for all payments from XX/XX/2018 toXX/XX/2018.

Further, I have mentioned to them that I am now unemployed as of XX/XX/2018and as of this writing they have failed to immediately provide me with proper documents ( why must they mail blank forms in 10 days vs. email?! ) in order to assist me with the restructuring of repayment of my private loans so that there is no default/further interest rate charges. They were able to assist with Federal loan deferment over the phone! They cause unnecessary delays when they can fax or email blank forms to me directly ... its ridiculous. Further, the right hand is not talking to the left. The bank contracts with its servicer to collect payments from me, yet they can not speak to them directly to find out if payments have been made or credited. I have to be subjected to unnecessary harassment by the collections department when my documentation clearly shows I am making multiple payments ... requiring me on a conference call is a clear delay tactic as they should be able to talk directly to the company they hire to collect funds from me.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward with getting a new and buying a house for my family. XXXX, XXXX, and transunion violated my rights.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MD)

I was notified by XXXX that there was a new debt reported to my credit account by Zions Debt Holdings on XX/XX/XXXX. On XX/XX/XXXX I was notified by XXXX that XXXX added a collection account fro. ZIONS DEBT HOLDINGS in the amount of {$560.00}. I contacted Zions Debt Holdings who advised that the Debt was from XXXX XXXX XXXX. I contacted brinks home security and spoke with XXXX representatives and supplied them with my cancelation information. In XXXX they had canceled XXXX of my accounts per my request via written notice but not the other account. The representative advised that due to the fact that I sent one letter with two accounts on it, they did not accept the notice and continued to bill me. This is a fraudulent tactic. I supplied both XXXX XXXX holding and brinks home security with copies of the cancelation letters the emails I sent requesting cancelation. Neither brinks home security or Zions Debt Holdings provided me with written notice of the Debt or a statement of the debt. 

This is a fraudulent attempt to extort money from a consumer, affecting my credit rating of XXXX for a debt I do not owe.
Consumer complaint received 2020-12-25
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: DISCOVER BANK (IA)

On XX/XX/20 my husband was scammed by phone. The caller impersonated a local law officer and convinced my husband a family member would be arrested if he did not immediately post bail in the amount of {$6500.00}. Under duress, my husband made three separate purchases of {$500.00} each of XXXX XXXX XXXX XXXX XXXX  with his Discover card which I own at the XXXX IA XXXX XXXX totaling {$1500.00} on XX/XX/20 at XXXX, XXXX, and XXXX. 

About 30 minutes later he purchased five more XXXX XXXX XXXX XXXX XXXX  of {$500.00} each of with his Discover card in a single transaction totaling {$2500.00} at the XXXX XXXX at XXXX. 

Still under duress and still not with substantial funds my husband proceeded to the XXXX IA XXXX and attempted to purchase XXXX XXXX XXXX XXXX XXXX  of {$500.00} and the purchase was declined. 

I received a text from Discover notifying me of the decline allowing me to freeze my credit card - which I promptly did. 

Discover has refused to reverse the charges. 

I told Discover that I have been a customer for over 20 years and that is not normal activity for my card. As such, I should have received a text after the 2nd {$500.00} purchase. If Discover had reacted properly, I would have suffered a scammed debt of {$1000.00} versus over {$4000.00}.
Consumer complaint received 2020-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co. (CA)

~XX/XX/2020 - I applied for a new mortgage with XXXX ~XX/XX/2020 - Loan closure ~XX/XX/2020 - Loan funded ~XX/XX/2020 - Contacted Title365 as title search records does not show the property placed back into trust. No return phone call. 
XX/XX/2020 - Contacted Title365 to follow up. No return phone call XX/XX/2020 - Emailed XXXX XXXX XXXX Closing Manager ) for follow up XX/XX/2020 - XXXX emailed me and notified the deed was recorded incorrectly and following up with recorders office for remedy. 
XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - XXXX emailed with two options waiting for the lender to provide a releaseXX/XX/2020 - Emailed XXXX my frustration as this is dragging out too long. No response Loan # XXXX I've made numerous attempts by phone, and email communication to remedy the negligence with Title365, but they have yet to provide a solution and timely response.
Consumer complaint received 2023-01-25
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. (GA)

My name is XXXX 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 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PR)

Hello, I applied for a Chase Sapphire Preferred Card and was denied. A hard inquiry was made to my credit on XX/XX/year>, dropping my score to FICO score to XXXX, from an estimated XXXX. I did not receive any notice from the company so I called multiple times and different numbers where I was not informed about why I was declined and always told to wait 7-10 days to receive a letter in the mail. There has been no letter to provide reason for the denial. A formal " Adverse action notice '' has not been provided in accordance to the ECOA. I have excellent credit, no delinquency, no other Chase credit cards, no recent hard inquiries to my credit. There is no reason to deny my application, thus my rights at this time have been violated.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (OH)

I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.

( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 780.45 % The amount financed : {$600.00} 28 % on top of {$600.00} = {$760.00} I have paid {$830.00} in 5 payments over the span of 2 months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly. 


( message I wrote them ), I am being charged what appear to be illegal rates
Consumer complaint received 2023-08-08
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I contacted Navient to discuss lowering my monthly payment which I can not pay at this time still being a student and unemployed. They had previously agreed to let me make interest only payments for the past 4 years to have a lower payment because they said I had exhausted all option for a forbearance with a private loan. I stated to them that as a student, I am on a very tight budget and can not afford to make the {$110.00} payment amount that is coming due on XX/XX/2017, but that I can pay something if they can agree to lower the payment. They stated to me that they can not. I spoke to their collections department who informed me that if I waited until 5 days after the payment is due and called in that maybe there is something they could do. However, I stated to them that I did not want to go delinquent. This is the reason I am calling now is to make arrangements before becoming delinquent. They will not work with me on this at all! I spoke to a supervisor then a senior supervisor then a collections supervisor department who was the rudest of all and told me that even if unemployed they would not lower the payment and allow me to pay a lower monthly payment. They say I have no options but to pay XXXX or nothing and ruin my credit. They are completely unwilling to help me work out something in any way whatsoever.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent a request for validation letter of debt that was listed on my credit report. I sent it out on XXXXXXXX XXXX. I have not received a response to the letter. This creditor clams I owe {$1800.00} in debt, when asked to validate the info did not receive a response. There a response tacked on to my credit report that I did not make regarding this account. This account is just sitting on my credit report damaging my XXXX score. They company will not respond to me about this account.
Consumer complaint received 2024-09-23
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. (NM)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-23
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (AZ)

XXXX XXXX XXXX is demanding payment of a debt that is not mine [ MONTGOMERY WARD {$2700.00} XXXX XXXX XXXX  ]. The debtor is listed as XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last year XXXX attempted to collect on a medical debt for this same individual. I am not the person responsible for this debt and this debt does not appear on any of my three-bureau credit reports.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (FL)

I had loans serviced by XXXX XXXX and then XXXX  for many years. I also had loans transferred to XXXX and forgiven last year. Loans originated in XXXX, XXXX, XXXX, and more in XXXX. I was directed to deferment every time and was charged fees. I made payments for many years and even paid on loans while I was also in school. The payments were not applied to my account and I did not get refunded either. Even after my loans were finally forgiven.I was not sent back the additional money I had overpaid then either.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

Every time I log into my experian account online, it is showing information from XX/XX/year> and when I go to request my online credit report, it's showing that it can not show me my credit report at this time. I have reached out directly to experian for assistance in this matter. And have gotten nowhere
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a checking account at US Bank on XX/XX/2023, with the promotional code " XXXX. '' In US Bank 's then advertisement ( archived in https : XXXX ), I would received {$500.00} bonus on XXXX conditions ( XXXX ) enrolling U.S. Bank XXXX App within 90 days of the account opening, and ( XXXX ) direct deposits of total {$10000.00} within 90 days of opening this account. 
I enrolled their mobile app immediately and complete the direct deposits of {$12000.00} by XX/XX/2023 ( please see the attachment ). 
The {$500.00} bonus has not been given to my account by now. 

I've called US Bank XXXX XXXX. During the first XXXX times, I was told by the representatives that all conditions had been met and " I just have to wait. '' The fourth time, however, the representative claimed that I was not qualified the the bonus, because the direct deposit was made in XXXX, when the promotion had ended. After I refer the representative to the timeline in the terms to correct their wrong-claiming, the representative said US Bank would open a ticket and respond to me request in XXXX week. 
Now it has been XXXX weeks, and no one from US Bank has contacted me.
Consumer complaint received 2023-06-19
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. (TX)

I was violated and taken advantage of, I have already contacted the police and made a police report of the following. Issues. And would like them removed from all 3 credit bureaus. 
Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX