davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OH)

In XX/XX/2023 I opened XXXX business checking accounts with XXXX XXXX XXXX XXXX XXXX city XXXX. I used a promo code to get {$750.00} per account with a deposit of {$15000.00} per account. I deposited the $ XXXX in each account at the time of opening the account. The terms were stated and verified by XXXX that the $ XXXX sit there for 60 days and the {$750.00} promo would be deposited within 45 days after the stated 60 day promo period. The 105 days has passed at this time and I have been getting the run around from the XXXX # .. And XXXX has failed to response to me. Today XXXX reached out and stated that I was not getting the promo because I never used online banking. XXXX attempted to open my online banking the day of account opening and failed to get it opened. I was never told this was a term but I do have an online account that I have used. He is now stating I have a personal online account and not a business online account. I have no personal accounts with US Bank, so I have no idea how I could only have a personal online account as my business accounts are the only accounts listed on my online profile. I am owed {$2200.00} dollars from US Bank and they are stating they are not going to pay me. My {$45000.00} dollars has been tied up for over 105 days to get this promo and they are not following through with what was promised by XXXX at the beginning of XX/XX/2023 when opening the accounts. I need my {$2200.00} promo ASAP as it is over the 105 days stated that was the XXXX time before being paid the XXXX. XXXX XXXX can be reached at XXXX. He is a liar and failed to provide what was promised in XXXX at account opening.
Consumer complaint received 2020-02-10
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: Convergent Resources, Inc. (GA)

An old XXXX XXXX account was sold to a collection agency. i settled the debt with the collection agency on behalf of XXXX XXXX. They refuse to update the account to reflect as paid and closed. They are still reporting that I owe money on the account when I do not. i paid them on XX/XX/2020 and I would like my information to be updated with XXXX.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This complaint is regarding XXXX, XXXX and XXXX XXXX XXXX XXXX referred to as XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt in which they say I, XXXX XXXX XXXX XXXX XXXX owe XXXX XXXX and their Portfolio Recovery Associates a total XXXX XXXX {$2600.00}. 
On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from XXXX XXXX on XX/XX/2024 stating that I must respond in writing or via phone call requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested XXXX XXXX to provide XXXX XXXX competent evidence bearing my actual wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with XXXX XXXX, and their client Portfolio Recovery Associates as an obligation to pay their client . This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. 
Once again, Portfolio Recovery Associates , LLC hired yet another contracted law firm previously here in the State of Georgia after deceptively e-filing a garnishment on XXXX ( Case : XXXX ) XXXX taking {$2600.00} from my XXXX XXXX XXXX XXXX account on XXXX XXXX law Firm XXXX, XXXX, XXXX, XXXX. 
And now, they are at it again with a new XXXX XXXX XXXX XXXX two weeks later continuing to utilize deceptive unfair practices to continue to extort. XXXX XXXX and their client Portfolio Recovery Associates is continuing to violate my consumer right once again according to FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. XXXX XXXX and their client Portfolio Recovery Associates is continuing utilize unfair deceptive illegally practices by continuing to garnish my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadlines. 
Portfolio Recovery Associates , LLC already fraudulently took {$2600.00} on XXXX and now they attempting to deceptively file an additional garnishment with XXXX XXXX to take {$2600.00} from me again.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I have sent numerous letters disputing the validity of medical bills on my report. I 've asked for validation in which they respond VERIFIED .... which is NOT TRUE!! I am uploading a recent letter from the creditor appearing on my report. Which clearly states THEY HAVE NO VALIDATION. How can these accounts been verified if the source CANT VALIDATE?
Consumer complaint received 2023-06-20
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: SYNCHRONY FINANCIAL (CA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRY REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SYNCB/JCP Date of inquiry XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

In XXXX of XXXX, I returned shoes that I purchased from XXXX totaling to the amount of {$3900.00}. This merchandise was returned in accordance of XXXX XXXX return policy and was returned using a return shipping label that they provided me. By XX/XX/XXXX, I had not received my refund for the amount stated above and I reached out to Wells Fargo to dispute the initial charge on the grounds that I returned my merchandise to the merchant and they will not issue credit. Alongside filing this claim, I provided Wells Fargo with as much relevant information as I possibly could including evidence of the attempts I made to resolve this issue with the merchant, the return tracking details, the order summary, confirmation from the merchant that they have received my return, etc. After months of debate, Wells Fargo has concluded that they will choose to ignore all of the evidence that I've provided and they will not complete my dispute without a written confirmation from the merchant that states " I am supposed to receive a refund ''. This is the most absurd thing I have ever had to deal with because I've done everything in accordance with the merchant 's policy and they are still choosing to ignore all of the evidence I've provided. I feel discriminated against and this response is completely unacceptable because we're not talking about a small amount of money here. I have full documentation showing I returned the merchant 's items and that constitutes a refund, it's as simple as that.
Consumer complaint received 2023-05-10
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. (NC)

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter and update the information as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$650.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

During my marriage from XXXX, my ex-wife added me to her credit card with Navy Federal and maxed out the card without my knowledge. She also go another credit card in my name with the company and a personal loan as well. I am not able to I owe almost XXXX dollars due to her misuse of my personal information and funds. I would like this solved with navy federal so that I may do business with them in the future and open an account. I am now divorced and this was not my fault. I am not able to contact my ex. She was violent at times and I have no contact with her. 

I am a XXXX veteran and unable to pay the amount that was charged. Due to this, I am not able to do business with this credit union. I was a longstanding customer with this bank and I can't even get a bank account with them due to this situation. 

Please help me resolve this with Navy federal credit union. Thank you.
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MIDFIRST BANK (MO)

This involves Midland Mortgage. After one person told me that if I could document my home value and loan ratio, I could possibly be considered for early termination of this policy. I did so via written note asking to have the pmi removed showing proof of the federal law requiring removal after home to debt value is lower than 78 % ... along with a XXXX appraisal showing the value of my home. I have not been tardy with payments, and have actually overpaid both my payments and my escrow the past two years to be sure to get things being paid down. 

After reaching out to the company they said that the paperwork I signed for the fha loan states that I can only do this after XXXX years, or to end of the loan, depending on how they choose to qualify it. I asked how this can be valid when federal law states otherwise ... and this second representative said to look for the letter explaining why they chose not to terminate this policy, re the '' XXXX years, or to the end of loan statement ''. 

The HPA federal law does not read to this effect. Hoping for assistance ... this fee goes into the pocket of the mortgage company who isn't even the company I got my loan with. They were sold my loan in a business deal somehow. So I have no relationship with this company at all except that they service my loan. They are zero help, and very difficult to even get past a tele prompt system for a human.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (TX)

Multiple People have been unable to send me money with Zelle for month. Zelle says it's a bank problem, XXXX XXXX XXXX XXXX XXXX  says it's a Zelle problem. Neither will help me. 

XXXX. I registered my phone number and email at XXXX to receive funds via Zelle, but no payments go through. XXXX says that my phone number/email are registered to another financial institution in Zelle and they are unable to help me as Zelle will not share that information because of consumer privacy. 

XXXX. Zelle says because I'm using XXXX they are unable to help me and I have to talk with XXXX. 

This has been an ongoing problem for 3 months now. 

Phone XXXX Email : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation (CO)

I disputed a debt with Blackwell Recovery, and they're still making attempts to collect despite being informed in writing that the debt was disputed and they had no right to do so. I informed Blackwell Recovery that the debt needed to be returned multiple times, in writing, and they've thus refused to do so. I'm exercising my right to have the debt returned to the original creditor and are violating that right.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (VA)

Tried to call navy federal credit Union about the account and they said to file a dispute and there was nothing they could do to help me since the account has already been charged off. Someone had my information and opened a credit card for XXXX in my name and maxed it out, leaving me with the debt. I can not afford that and it doesnt belong to me. I was a victim of defraud or identity theft. The date the account was open was back in XX/XX/2021. I was unstable at the time and didnt have a working phone so I couldnt report it at the time. I dont have the contact information or any information on the person at the moment who did this. This individual might have posed as me as well.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2021, XXXX charged me {$89.00} arrive XX/XX/2021 to my Capital One XXXX # XXXX, UNAUTHORIZED by me. XXXX pre-charges and slammed my Capital One card # XXXX illegally without my authorization. I did not make the charge. Consumer Fraud by Capital One and XXXX. I did not receive any services from XXXX. On XX/XX/2021, I filed a dispute to Capital One and NEVER received any Capital One letters dated XX/XX/2021 and XX/XX/2021 and no merchant response letter of evidence from Capital One. The date and the charge are wrong for it never existed. I have no receipt for this charge for I did not make this charge EVER. Consumer Fraud by both Capital One and XXXX. Nothing delivered to me. Deceptive business practices by both XXXX and Capital One for STEALING my {$89.00} from me and charging me interest since XX/XX/2021. Capital One today refuses to send me the XX/XX/2021 and XX/XX/2021 letters=the letters don't exist. Consumer Fraud. Capital One failed to disclose proof of debt=there is no proof of debt for I did not make the charge. I was scammed by Capital One and XXXX. Capital One did not follow the charge back rules and laws defrauding me of my {$89.00} and scammed me.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Refund Refused For Defective XXXX Merchandise. I purchased an XXXX XXXX XXXX prepaid phone and an XXXX XXXX XXXX prepaid plan from XXXX in XXXX, NJ, on XX/XX/2023. The phone was defective, but XXXX refused a return with the receipt. The defective merchandise was returned at the XXXX store in XXXX XXXXXXXX, NJ without a problem. My bank initially issued provisional credit, but reversed that plus {$59.00} added on XX/XX/2023, making the total withdrawal {$150.00}.
Consumer complaint received 2017-05-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NJ)

I needed to find a better rate on my student loans ( Navient ) to lower my payments. Instead, they extended the loan which forces me to pay more than I actually borrowed. I was never offered income-driven repayment plans. The options that were given to me were not fair.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

The account with Barclays bank opened XX/XX/22 is a fraudulent account and is causing me and my reputation harm ( Per U.S. Code 1681c-2 ). The company reached out to verify the account, and I notified them that the account is not mine. It needs to be removed within 4 business days.
Consumer complaint received 2023-06-19
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: GOLDMAN SACHS BANK USA (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 I opened a Checking and Savings Account with CITI BANK because I needed a account that could handle large wire transfers because I was selling my Home opening account was fine. I received my bank card welcome and rules and guidelines of my accounts the first wire transfer deposit of XXXX money XXXX deposited on XX/XX/2024 was fine able to withdraw make transactions with no problem. On XX/XX/2024 XXXX was wire transfer deposited. On XX/XX/2024 account was frozen and told my account was flagged for fraud. I called to try and clear everything up to unfreeze they told me that they would be sending a letter explaining everything. My account has my money in it and I have no access to it. I just sold my home and must vacate which I am very limited. I was not given much explanation just vague generic answer. I was told that my funds would be mailed however with really no answer to when I will receive my money. I would rather pick my money up at a branch rather than postal service. On a particular date and time it is a large sum of money. I need some help facilitating return of my combined checking and savings totaling XXXX
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

I applied for and received a 6 month grant from my state, Pennsylvania, for XXXX mortgage relief funds in XXXX, XXXX. This grant pays my mortgage monthly for six months and concludes with the XXXX, XXXX payment. PA submits these payments electronically through XXXX. Payments have been made up and through XXXX, XXXX. PA 's last and final payment through my grant will be next month. Santander has only recorded TWO ( 2 ) of those months, XXXX and XX/XX/XXXX, showing me delinquent for THREE ( 3 ) months. Santander utilizes XXXX to process their electronic payments from customers and customers grant monies. I have been corresponding with Santander 's Loss Mitigation Department via email and phone since the beginning of XX/XX/XXXX regarding their non-recording of payments to my account. My biggest concern is that come XXXX, XXXX when I must make a payment from my own funds that Santander will apply it to those months that they INACCURATELY CLAIM are past due. I have provided Santander Loss Mitigation with XXXX 's ID # 's for each payment as given to me by the state of PA. I even provided the dates of issue and the dates that XXXX ACCEPTED and RECEIVED those payments ( in other words XXXX, Santander 's contractor ). How can you help me with this?
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IN)

I should only have one address & phone # on my report and I would like a reporting freeze on my credit from all credit reporting companies, it is within my legal right to have my information frozen and not given out at all, so please be so kind as to honor this request
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX Shows multiple incorrect addresses and a Social Security Number ending in ( XXXX ) that IS NOT MINE and should not be on My Report. 
Also : My Report [ s ] should only show that I am XXXX XXXX ad that is my current status. 
Ive tried to contact them By phone & mail to no avail.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America closed my account on Friday XX/XX/XXXX and they have a pending closure date of XX/XX/XXXX. I was have not able to pay my late rent or car note because of this. I have not been able to provide food for my family. They have been giving me the run around as I explained that I need my money from this account to take care of my small children and pay my bills. I called them everyday XXXX  and XX/XX/XXXX and they still dont know when I will get my money. I explained this is creating a hardship and may cause me not to be able to pay my rent next month. They told me it could be 10 business days for them to even review my hardship withdrawal request. This is ridiculous. 


I had XXXX  direct deposit from my employer go into this account on XXXX  and they wont give me my money. Since I have not been able to get my money when they have the ability to allow me to withdraw my funds from the branch and close the account.