davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a zero balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 3rd complaint Ive been dealing with this for the past year now
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit XXXX  failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (TX)

Ally financial Denied my right to credit on XXXX XXXX2021, which I applied in good faith. They send me the reason for denial and in the letter I notices the company they received the credit application from was false and inaccurate! I went to XXXX XXXX, to do business my application is from a different company. This is inaccurate information. 

Application Number : XXXX
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX is attempting to collect an alleged debt for PAYPAL from 2015. 
my PAYPAL account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.
Consumer complaint received 2021-11-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I feel my loan is a complete fraud and they took advantage of me. Sallie Mae sold my loan to Navient without my consent. all my other loans have been paid off for years. they will not help me with this loan it is insane. customer service for Sallie Mae has been nothing but mean telling me to make more and pay more over the years. I have more than paid this loan off for school. the interest is a crime. do I have options here
Consumer complaint received 2021-11-24
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. (CT)

on XX/XX/XXXX i mailed and digitally submitted the XXXX bueras  my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX  days since. they are breaking the law please do something
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NJ)

credit corp solutions is attempting to collect an alleged debt for XXXX from 2015. 
my XXXX account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.
Consumer complaint received 2023-01-15
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: Bread Financial Holdings, Inc. (CA)

I purchased a vacation package in XXXX of XXXX in the amount of {$1900.00} and used my Comenity XXXX XXXX to pay for the purchase. I received an email from the company on XX/XX/XXXX, reminding me to send back, among other items, a copy of my ID to activate my package. I began to become suspicious and responded to the email on XX/XX/XXXX, saying I wanted to cancel, that I would not be able to use the vacations. I realized it was a scam when the charge still went through. I had auto-pay set up and Comenity attempted to debit the payment twice, but I did not have sufficient funds. I was dealing with medical issues with family members as well as working and finally contacted Comenity, around XXXX or XXXX I believe, to tell them I had been scammed. I kept being told to call back which was difficult to do while working. When I would call in, I was subjected to hold times as long as XXXX minutes or more. When I would finally reach someone I would get vague non-answers. The last person I spoke with, near the end of XXXX, finally told me they were waiting for a copy of my cancellation letter/email to the company as proof. This had never been communicated to me previously, despite the numerous times I had spoken with Customer Service. I uploaded the cancellation email on XX/XX/XXXX to the Message Center on the Company 's website per the Representative 's instructions. I spoke with Customer Service today, XX/XX/XXXX, and was told they " are still working on it ''. This has gone on far too long and is unacceptable. Comenity also lowered my credit limit which I do not agree with whatsoever. I have also had repeated fraud with this account and wonder why Comenity is not protecting its customers.
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

To Whom it may concern, I am being hit with a hard pull inquiry from XXXX  XXXX on XX/XX/XXXX. This never happened and I never gave anyone authorization. For months now I have been trying to get this thing resolved. I was told write XXXX  XXXX letters which i did and write each credit reporting agency letters which I did also. It seems to me from talking to them on XX/XX/XXXX they are mixing up my XXXX  XXXX card that I have opened with whomever tried to open up a new card and gave them inaccurate information. This investigation has been way over 45 days multiple times now. I have sent letters and called XXXX  XXXX, XXXX, equaifax, and XXXX. It just keeps going around in a circle. : (
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (MO)

I had some transactions on my joint account that were not mine and my husband said it wasn't his either so I called the card services number on my debit card through my checking account with umb. fraud management placed some sort of freeze on my account so neither mine nor my husband 's debit cards worked. it also made my online account messed up so I couldn't see how much money I had in the bank so I went down to my local branch and asked the person working how much money I had in there. he said XXXX so I asked to get XXXX out so I could go pay bills. I had to do the same XXXX days later. my husband and I both had direct deposits coming in so I wasn't sure how much they were for. a week later I got something in the mail saying I was XXXX in the negative. they said the money they had been giving me wasn't mine. but how was I supposed to know that. that is why I went to the bank to ask what was in there. when the employee looked up my account thats how much was in there according to they're screens. now they are trying to make me pay it back.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (CA)

I deposited a {$2000.00} balance transfer check ( from my Barclays credit card ) into my bank account ( XXXX, checking account ) on XX/XX/year>. A few days later, it was returned to me by mail, by XXXX. It didn't get deposited. I'm not sure why. 

When I logged into my account a few days later to make a payment on my card, I noticed that they charged me the {$2000.00}. Additionally, on XX/XX/year>, they charged me a {$26.00} returned check fee. 

I called Barclays customer service and got the run-around. I got transferred XXXX times. I finally got someone who was able to acknowledge the error and said it was getting taken care of. I got a confirmation #, which was XXXX. 

I logged into my account today ( XX/XX/year> ) to make my next credit card payment and noticed that they didn't do anything. The {$2000.00} was not credited back to my account. 

I'm on the phone again with customer service and am getting nowhere, even after giving the explanation of what happened again, and the confirmation number from the previous call. I keep getting put on hold and right now, I'm on hold again and the call time has already exceeded XXXX minutes. 

I'm extremely frustrated. They're trying to steal {$2000.00} from me essentially. The transaction statements clearly show that the {$2000.00} was never deposited into my account due to the {$26.00} returned check fee. 

Can someone help me make them credit the {$2000.00} back into my account?
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services (TX)

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I do not recall any of these accounts. I need this problem fixed asap. I demand these accounts to be deleted immediately or I file litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated a failure to investigate these items XXXX days gives a reason to immediately remove those items from my credit report. I have a attached a cease and desist demanding them the items needed to validate till then those items have been brought about I will need this account to be deleted immediately.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION (CA)

The last person, among several before, that i spoke with was yesterday at XXXX PM on XXXX. HEr name was " XXXX '' and she was pretty indifferent in her tone of voice toward me and at the end of the day, unhelpful. This is now at least the third time or more that I have spent hours on the phone with SEVERAL Alliant Employees, and when she still refused to help me make a large deposit of money during the phone conversation, her exuse was that " many people are applying to aliant as one of their banks ''. My hope is that you see the condescending tone that comes across to the consumer, spending hours on end with dseveral employees, and all I get in return are various excuses that block me from simply opening up a new account, aside from my joint one from many years before. 
her overall attitude and disposition toward me was not very virtuous at all, and her tone and words came across that I was not important enough to be taken care of after the third or more time that I had called and was forced to spend MORE time listening to all of the blockage coming from each and every one of them in some way or another. 
At this rate, I might as well find another bank and I did mention this to XXXX before and instead of rectifying the situation, minus all of the excuses, she then talks about how other people have been applying. I'm just a number to them and it sounds like they don't want my {$6700.00}... So much for respecting the Law of Human Nature .....
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1800.00} Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

In XX/XX/XXXX, I cancelled my home monitoring service with XXXX. The account was prepaid a month in advance. 

In XX/XX/XXXX, XXXX contacted me about a refund check that they issued but was uncashed because I never received it. XXXX then re-issued a refund check to replace one that I never received to compensate me for the remainder of the month not used when I moved. 

In XX/XX/XXXX, I cashed the check for {$46.00} On XX/XX/XXXX, I received a collection letter from Credit Collection Services XXXX XXXX, MA. I called the office and spoke with XXXX XXXX who instructed me to pay the refunded amount with the first refund check I never received. He was not listening and did not take note of the facts of the matter. I have a copy of the refund check and letter. XXXX first told me the account was " written off '' which is ridiculous as it was money owed to me not owed by me and they sent it to a collections company which did not inspect any of the documents even after my dispute. Then XXXX told me that I was sent to collections because they stopped payment on the first refund check but failed to verify that it was never cashed even though that was the reason they contacted me in the first place- to collect an uncashed check. I have no clue why they would think this is my responsbility as I have no access to their bank account. 

I was sent to collection for an amount I OVERPAID within XXXX weeks of cashing the refund check. This is completely unacceptable and I will not do business with XXXX again as they are still unable to correct this problem.
Consumer complaint received 2021-11-24
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. (CA)

XXXX Reported to the Credit bureaus that I owed them XXXX $ but that was In correct because they Agreed to have it removed from my credit report. They Also stated that they will send me a letter to confirm that the amount was paid off. 

The issues are I ended the contract so they had no business adding a loan. Because I didnt owe them any money. I asked TransUnion to remove but instead they came back and stated that it was an actual charge. But it wasnt it was in correct
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Finance Company, LLC (FL)

The company called XXXX XXXX XXXX is representation of XXXX XXXX. Called my job and personal phone with XXXX of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or XXXX capital. XXXX they stated I owed an amount why higher than what surge ever had. This is also illegal
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I have deposited a check ( issued by Wells Fargo ), that I received by mail, online into my account at Wells Fargo. Wells Fargo first told me that the company did not have sufficient funds, then that the check was forged, then that I have forged the check, and they are returning the funds to the issuing financial institution ( what about insufficient funds? that they returned to themselves? ). 
I have contacted company that issued the check. They assured me, that they did not forged the check, and that there is money in the account. The money was withdrawn from the account at some point, and, I guess, now is returned back. 

I am extremely offended by Wells Fargo customer service persons, accusing of forgery, and I demand an apology. Getting my money would be also nice. I did not know, that being a bank customer involved letting the bank to get my money and abuse me at the same time.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

On XXXX the XXXX a transaction debting the business bank account posted in the amount of {$890.00}. A transfer via XXXX was requested on XX/XX/XXXX to cover the negative balance. Truist as of XX/XX/XXXX, the deposit in the amount of {$850.00} had not been posted ( recognized ). 

When I contacted the bank, I was told the payment was on hold. There was no notifications stating the deposit via XXXX would be held for any number of days. The result of the deposit not be recognized caused fees - insufficient funds fees. 

The bank method of posting debits and credits ( hierarchy of postings ) are similar to the way XXXX  XXXX XXXX posted debits in order to maximize bank profits by posting debits and holding the credits in order to result in insufficient funds fees.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Every time I try to login to my account to manage my transuion credit freeze there is a problem and it prompts me to call their customer service number. Currently their office is closed, so there is nothing I can do. Last year when I went through this, multiple call and and hours of waiting on hold to fix the issue, of which they would not discuss with me.