davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (PA)

My wife and I are in the process of closing on a house, using funds which are currently deposited in a XXXX account. Since opening our XXXX  account the bank has had several mergers and system changes which make it very confusing to know what the terms of service are and which company we need to reach out to for information about our account : XXXX, Webster Bank, Sterling National Bank, etc. In early XXXX, we searched on the Sterling National Bank 's website ( because our account login is XXXX ) and after downloading a terms and fees table found that the bank offers online wire transfers that we could use to close on our house. However, on XX/XX/XXXX ( one day prior to our closing date ) when we received the final closing amount, this bank ( or group of banks ) was completely incapable of assisting us or returning our money to us. After about a dozen calls to many different entities within this confusing organization, we received a plethora of contradictory and incorrect information, including : - wire transfers were possible ( several sources ) and also were not possible with our account ( several different sources ) - wire transfers were only possible online and ( other sources ) were only possible on site in branches in New York - our funds were managed by Webster Bank, our funds were managed by Sterling National Bank, our funds were managed by XXXX bank After 4+ hours of phone calls and 4+ hours of driving to New York just to be told that they will not help us, we are still left without any way of accessing our own money in a timely manner. 

The company 's best solution which we are now pursuing is sending us an unverified check in the mail, which will likely take several days to arrive, we will need to take this to another bank, it will take several days to verify and deposit it, and then 24 hours to wire it for closing. 

The root of this problem is that we repeatedly received bad information, which is going to cause us to lose over {$500.00}, countless wasted hours, and possibly the purchase of our home. 

- Bad information on the company 's various websites. 
- Bad information through our online portal 's contact page phone number which directs users to the incorrect institution ( Webster Bank ). 
- Finally, even when we reached XXXX, their customer support believed we could complete wire transfers, and were quick to try to end our call ( all of our many calls began with long waits on hold ) with false information. 

Having multiple unorganized entities quickly redirecting customers to long holds is a great/efficient way for banks to avoid helping customers, and it damages consumers through a thousand small blows via obviously unreadable small print.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

A bank account with TD Bank was opened in my name, XXXX XXXX and when i recieved a bank statement for an account that wasnt mine i reported to TD Bank and had the account closed. it looked as if someone was managing large sums of money and redistributing it to a XXXX  XXXX credit card which was also opened in my name, XXXX XXXX. None of these were done with my knowledge. The name involved was a XXXX XXXX from what the bank told me.
Consumer complaint received 2022-12-29
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. (FL)

Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXXXXXX22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX/22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX4/22Lastly, during your XXXX/XXXX/22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and Equifax reports of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (TN)

I inherited a time share from this company. Upon speaking with them, I was told that since the timeshare was paid in full minus the dues that all I had to do to return the timeshare to them as I didn't want it was to let the dues go. I didn't pay the dues and then nothing happened, a year later I get a bill for 2 years dues. They refuse to speak with me now on the issue and have since turned it over to collections. Which I have disputed with the collection company. They keep removing it from my credit and adding it back with a new date and amount.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2020-04-11
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. (TX)

Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, Transunion has my name missed spelled. My name is XXXX ' XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

I did not receive my pay check on pay day so I contacted my employer who states it is an issue with my bank. I contacted my bank who could not provide me with any details of why this has happened or when the issue will be resolved. I will not be receiving late frees from bills owed that I could not pay today.
Consumer complaint received 2021-03-17
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. (NY)

I am writing with reference to my XXXX loan from XXXX with XXXX XXXX serviced by XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by Transunion. I have tried to resolve this with Transunion, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, XXXX took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, XXXX changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while Transunion and XXXX responded in form only. When I call to follow up on my written complaints, Transunion insists that they can not do anything and it is all in the hands of XXXX. XXXX tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly XXXX no one has done this over the course of several months ). My most recent written dispute in this matter with Transunion was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that XXXX continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that XXXX purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.
Consumer complaint received 2022-04-14
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: FIRST NATIONAL BANK OF OMAHA (FL)

On XXXX XXXX, I received a bill from First National Bank of Omaha for charges of {$64.00}, my credit card ending with XXXX. Knowing that I did not make any purchases, i examined the bill carefully and noted that the contents of the bill ( Transaction Detail ) reflected charges made from play station network. dated XXXX XX/XX/XXXX. I immediately called First National Bank of Omaha and informed them that I did not make any purchase on my credit card, and furthermore, i am XXXX XXXX XXXX and do not own a console.. My husband is XXXX XXXX XXXX and he does not own a console either. I do not have any grand children who live nearby and I can't imagine how this error could have occurred. I was told by XXXX that they would investigate the matter further, and not to make a payment because an investigation will commence. ( The moment they mentioned my old address and telephone # at Delaware, I knew that I was a victim of fraud ). First National Bank of Omaha closed the account and issued me another credit card. On XX/XX/XXXX, I received a letter from First National Bank of Omaha fraud dept, informing me that they have completed their investigation and I made these purchases. This is absolutely false. I am struggling to get over XXXX of my XXXX  XXXX, and I did not make these purchases. I moved to my present address 3 years ago, and I believe that First National Bank of Omaha sent out a credit card to me, and it probably went to my old address in Delaware, and someone got hold of that card, and made these purchases. Furthermore, they informed me that a purchase on this card was made in XXXX, and it was paid by error, however, they would refund me the {$59.00} that was paid in error. I am very disturbed at the knowledge that someone used the card, and now I am being billed for purchases that I did not make. I have an outstanding credit score, because I am a good citizen and pay my bills on time, however, I know that I have been a victim of identity theft, ( As I did not authorize any one in to purchase anything using the above card. ) Kindly help me as I know that I am an innocent victim. You can contact me at XXXX and at my email address of XXXX. Thank you for your kind consideration to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I spoke to Mohela about my loans and they told me I had to re-submit an XXXX. This information is inaccurate because my XXXX  confirmation is not until XX/XX/XXXX. Now, I have to make payment on income on XXXX taxes which was inflated due to unemployment I received in XXXX. I will not afford the cost based XXXX that income from 2 years ago. I need help removing my recent XXXX  income submission. Thank you,
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Hi, On XX/XX/2022 someone hacked my Wells Fargo accounts, transferred all the money from personal checking to my business checking and then wired everything out of the business checking. I filed a claim within 24 hours of it happening but then got a letter from the bank saying my claim was denied. I called to file an appeal, they said they won't reopen the case because they don't have strong evidence that it was fraud, when I ask what I need to provide as evidence they said nothing because the claim is closed.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my XXXX.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending (FL)

I follow my credit report on XXXX XXXX I decided to get a better interest rate online through open road lending. They tried the old bait switch on me. In XXXX XXXX  it said underneath my name that I could go through there and get alone at 13.6 % interest for 60 months for XXXX a month. When I went to finish the loan it went up 2 points and took it out to 72 months which was absolutely absurd. XXXX XXXX from Open road try to trick me into get an XXXX at 72 months. Numbers appear to be coming from open road to XXXX XXXX  This XXXX tried to say to me that's she specifically went over the numbers with me on the phone which I didn't hear them. She tried to make me feel stupid by stating over and over again she went over these numbers. 
On XXXX XXXX it specifically said I could recieve XXXX. Then she kept pressuring me to take the XXXX at 72 months, were my loan already has paid 22 months off. People should be aware of their shaddy business practices.
Consumer complaint received 2020-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XXXX XX/XX/2020, I was granted a hardship forbearance from XXXX XXXX XXXX/Citizens Bank student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XXXX XX/XX/2020. I received a call on XXXX XX/XX/2020 from Citizens Bank Collections, informing me that my loans were in collections ( I am not 100 % sure of the relationship between Citizens and XXXX XXXX, but my understand is that XXXX administers the loan payments on Citizens behalf ). Citizens was not aware of my hardship forbearance and transferred my call to XXXX XXXX. 
XXXX XXXX informed me that my hardship forbearance had been incorrectly approved. They informed me a new denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. XXXX informed me they had not sent any emails, but had attempted to contact me by phone only 3 times. XXXX XXXX informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by Citizens bank, and they could not approve it. Citizens banks logo is on the letter that affirms my complaint hardship forbearance was approved. 

The XXXX XXXX supervisor I spoke with on the phone informed me that he would be filing an internal complaint based due to how this situation was handled on their end.
Consumer complaint received 2022-04-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (AL)

XXXX is reporting Speedy CashXXXX. On my XXXX report as a debt. As Original Creditor. Speedy Cash can not report a balance as a debt. The same account is being reported. As a collection debt. With AD ADSTRA. For the same amount. Speedy Cash can report but they cant report the same debt amount. In doing so, My total debt amount is being reported higher than it is. Ive had Speedy Cash account deleted on my XXXX XXXX XXXX credit reports. I called Speedy Cashs dispute dept. About them reporting on my credit reports. XXXX continues to report this debt. Per the FDCRA, original creditor cant report a debt balance. Of and account that is being reported in collections. Account number is XXXX
Consumer complaint received 2023-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX shows that my last payment was made on XXXX of XXXX. 
XXXX reports that last payment was made on XX/XX/XXXX of XXXX. 
XXXX claims that last payment was made on a different date, XX/XX/XXXX of XXXX. 
The XXXX credit beauros responded that they have verified and that the information is accurate but failed to send me copies of the documents used to verify this account
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

For the month of XXXX I was sent a Citicard offer for {$25.00} credit if I spent {$500.00} at restaurants by XX/XX/XXXX. I met the terms and never received the credit. I have called in XXXX, XXXX, XXXX and numerous times because it now says {$25.00} is past due. 
When I have spoken to an agent two agents say they saw where I was due the {$25.00} and the offers department says they do not see it. I am BEYOND frustrated. I have perfect credit and never have been late or past due in the 45 years I have had credit.
Consumer complaint received 2023-05-17
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: TD BANK US HOLDING COMPANY (CA)

This creditor has violated my rights under 15 U.S.C 1681 Section 602 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 an account without my written instructions. 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.