davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (CA)

I have been struggling to pay off my student loans for years. I am now XXXX XXXX XXXX and trying to save for my retirement. I am asking if you can please forgive half of the balance which is all accrued interest ( half of the balance I owe is interest ). I will be able to pay off half of the amount. The total balance is {$64000.00}. I can pay half of that amount. It's all interest! Please help! I want to pay this off but I need to save for my retirement. I can make monthly payments as I have been doing but I need help with the total balance owed. Thank you.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

After contacting the CFPB ; National credit system sent me a identity theft affidavit to fill out & asked for my ID. I have filled out the affidavit and have my ID on hand. When I called to speak with the person over my case to see WHERE I send it to, he hung up on me. I dont have money or a way to mail them the paperwork they asked for. Just like the sent it electronically I need to send it back electronically. I dont have funds to go buy stamps and envelopes. Which is why I am doing it all online. They also asked for a Notarized signature and idk what that is and if its something I have to PAY for to get, I cant do that either. So I will be attaching my ID, the identity affidavit & my report from the FTC. So unless they have a way for me to send all this info for free via paper mail and a way for me to get whatever they want notarized done for free ; Im not able to do it. The FTC accepted my identity theft report. I am sending what I have.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-12
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. (NJ)

I have contact Transunion, XXXX  and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

My car was repossessed back on XX/XX/2022, I paid the balance of {$2100.00} not to the exact I remember to get the car back. I asked the agency were there any repo fees they stated that there weren't any .I also reached out to you guys and filed a complaint against Santander Consumer .Santander also replied back sent a letter that stated that my next bill wasn't due until XX/XX/2022. I made two different payments although they werent exactly on time but they were for the month of XXXX payment. Santander had been calling me repeatedly and I called them and asked them why they kept calling me and thy stated I hadn't paid my XXXX bill because they added it my repos fees and applied it to XXXX payment. The agency never sent me a letter telling me about the repossessions fees I had talked to several agents and Ive gotten different stories .If I go online and pay my car note than it should state that it was going to repossessions fees. I called Friday XX/XX/XXXX and got a supervisor and he argued with me back and forth and hung up in my face. The agency stated that the repossessions fees wasn't showing up because they were waiting for the repossession agency to send the bill this is not how business works.
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (PA)

Hello My family has been through complete turmoil these past 6 to 8 months, First, my father n law passed away unexpected without any life insurance, then our house sold for taxes and we had 15 days to move which we did but it was a hefty cost and then I got sick in XXXX, swear it was XXXX but wasn't tested because tests weren't available yet and then the pandemic shut everything down, Both my husband and I got laid off but my weekly rate is {$110.00} and I was in touch with the lender and they agreed to defer 3 months and catch us up and I felt relieved but then I get a call that my car is being repossessed and they want XXXX to catch the loan up, It's our only car and our only way for husband and me to get to work, He went back this past Monday and I am returning this coming Monday. I didn't plan for our life to be torn apart, We had to go to a food bank for the first time in 10 years and that's disgraceful, Please help us!!! 
Sincerely XXXX XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I am submitting a complaint regarding the inaccessibility to banking needs due to the closure of many Bank of America branch locations throughout Rhode Island and Connecticut. 

Since the beginning of the implementation of COVID-19 precautions, Bank of America ( BoA ) decided they needed to protect their employees by closing many branch locations. Not only is there no access to bank tellers inside their locations, but the drive-through tellers are closed, as well as many ATM machines! This is nonsense, and beyond inconvenient, as all other banks in these areas are open for business. 

I have contacted BoA representatives several times over the past month to register my displeasure with the inconvenience that it has caused me, other customers and business owners to have to utilize the ATM machines of other banks, to have some access to our accounts. BoA representatives have been empathetic to my complaints, but NOTHING has changed regarding reopening of local branches. In addition, BoA representatives have encouraged me to utilize their branch locator tool online, and have suggested that I must travel more than 20 miles to other towns or states to access a BoA ATM machine. 

The information on the BoA website locator tool is completely inaccurate, and when I traveled to another state to a branch that was advertised as having drive-through tellers available until XXXX XXXX, I discovered a huge sign that said that branch was no longer open! 

In addition to the inconvenience of having to utilize the ATM machines of other banks ( and, therefore, be subject to their cash limits and fees ), BoA has decided it is appropriate to charge customers a fee for using the ATM machine of another bank, when their ATM machines are inaccessible! 

Last week, I registered a complaint with the Office of the Comptroller of the Currency regarding the inaccessibility of banking with BoA, when all of the other banks in my area are open for business and practicing appropriate COVID-19 protocols. On XX/XX/XXXX, I received an email response from " Enterprise Resolution '' at BoA acknowledging my complaint, and indicating that the email sender would be my, " point of contact until this matter is resolved. '' In actuality, the sender identified himself as representing a debt collector. I do not take satisfaction in receiving an email message from a debt collector as someone who is capable of addressing my concerns. Why didn't I receive a response from a member of the BoA Regulatory Complaints team who has nothing to do with debt collection? 

I would appreciate a rapid resolution to the ridiculous closure of BoA branch locations, in the name of COVID-19. For such a large institution to behave this way is reprehensible and unjust.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I signed up for an HSBC premier checking account in XXXX in order to get the advertised 3 % bonus on my direct deposits for up to 120 $ a month. In the terms and conditions at the time I did not see anything about there being a XXXX $ monthly deposit requirement in order to receive the bonus. I even called in to double check the requirements and the rep on the phone never mentioned the XXXX $ / month requirement. 

I think this offer is extremely deceiving because if you do the math ... 

You have to deposit XXXX / mo to get the bonus You can only get MAX XXXX / mo bonus XXXX = 2.4 % bonus NOT the advertised 3 % This is false advertisement plain and simple. The XXXX $ requirement was not listed on the offer when I signed up. Furthermore I never got a letter or any email confirming the terms and conditions. 

3 % of XXXX ( which is what I've been depositing ) is XXXX $ a month. The way this offer is set up is deceptive plain and simple. 

Please call me to discuss this issue Thanks
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Last week on Monday, XX/XX/XXXX I contacted Bank of America because they threatened to debit my checking account ending in XXXX to take back some credits that I was due. I told them that was not right. They said they needed a letter from my Debt Consolidation Company showing that XXXX XXXX was in Debt Consolidation fromXX/XX/XXXX. I faxed that information to them. I also faxed a copy of the letter I did to XXXX XXXX back in XX/XX/XXXX informing them they were going into Debt Consolidation and not to take any more funds out of my account. 
Well, I am a senior citizen and I had very little money in my account. I had an insurance payment due. I needed money for food and gas. Bank of America ignored everything and took out over {$150.00} that they were Not supposed to after receiving my appeal letter that I faxed along with proof. This put my checking account into the negative. I called them very upset. They said there was nothing they could do. I told they I would report them for this. It is illegal.I am going to attach all the documents concerning this. I again faxed for a second time Bank of America today all of these documents again.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

This organization is in violation of XXXX USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, XXXX, and Experian. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Consumer complaint received 2020-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, US SM BUS ADMIN ODA
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/17 I received an email from Chase bank saying that my account was closed due to suspicious activity. When I tried to log into my account it told me the account is locked and I need to call a number ( ( XXXX XXXX XXXX ). When I spoke to the representative on the line ( Fraud Department ), she was very rude and not helpful at all. She said my account is closed ( after 10+ years ) and she wont tell me why because XXXX can do whatever they want and they dont owe me an explanation. 

Im at a loss for words here! I ended up going to a XXXX branch and spoke to a banker thinking this is a scam. And the banker told me that theres nothing they can do. She also told me she had another client this week with the same issue. It looks like this has something to do with receiving unemployment possibly. I have been receiving unemployment since mid XXXX due to COVID and in XXXX there was a fraudulent breach in the unemployment system in Washington state. I was not affected by this but I did have to confirm my identity with them which went through and I have been receiving payments to my checking account, until yesterday. I was dealing with unemployment for five weeks in regards to fraud and now possibly because of that situation, my checking account was closed. 

This is a very unfortunate situation for me due to not having access to my finances right away so I can provide for my family as well as not being able to receive unemployment assistance since it's connected to my checking account. I was supposed to get paid today and the payment did not go through since my account is no longer valid. I was told I will receive a check with the remaining amount from my account ( not sure when this will happen ) and I can never open an account with XXXX in my life. I dont understand why this is happening. I dont know why my account was closed without an explanation. 

So Im being punished for being a victim??? If this is truly regarding fraud and there was suspicious activity in my account, shouldn't I be aware of this information so I can take measures to prevent this from happening in the future? 

XXXX needs to figure out their policies and regulations and let people have a chance at life instead of kicking them while theyre already down. A lot of people are struggling right now during these devastating times were going through and are barely making ends but here they are treating their customer so horribly. I will never recommend Chase to anyone I come across after what I had to go through in the last 24 hours.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points  when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both TransUnion and XXXX. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..
Consumer complaint received 2022-10-31
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: FIRST NATIONAL BANK OF OMAHA (NY)

I disputed a charge for {$120.00} with fnbo that was incurred in XXXX XXXX on XX/XX/22. 
Although I was in XXXX at that time, I was not in that city nor did I go to that hair salon. 
I received this response from fnbo : We have completed our investigation and at this time find the transaction to be valid. It was determined that your card was physically present at the time of these transactions. These transactions are part of your normal spending pattern, took place in your home area, and there are charges before and after and in between that you state are valid. 
I have made repeated calls to fnbo to discuss this matter and have waited on hold and disconnected several times. When I did speak to someone they eventually only resent a copy of their original letter. 
I am stating that this charge : 1. Is not a normal spending pattern. I do not spend that amount at hair salons 2. It did not take place in my home area but in an area i was not in.

3. The phone number fnbo supplied is not a working number. I am unable to contact the merchant as fnbo suggested.

4. I believe this is fraud
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDEN 1 CREDIT UNION, THE (CA)

The Golden 1 Credit Union Acct # XXXX account was settled in full on XX/XX/2020. They have yet to update my credit file and are in VIOLATION. This is impacting me from getting the credit I deserve and I demand that the account now be removed from my credit file. They have failed to communicate with me in a timely manner!
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (TX)

PayPal has put my funds on hold again in the amount of {$430.00} and I made a cash advance from my credit card with another bank and I load this money at XXXX and I was told I have to wait 12 hours for the money to be released I would like to close my account and never want to do business with PayPal ever again and I want my XXXX money I need it to pay my bills and PayPal wouldnt released my {$430.00} back into my account
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information. I would like this information deleted immediately, and for them to cease and desist this erroneous reporting.