davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Re : Pentagon Federal Credit Union Accounts Frozen XXXX XXXX Member number XXXX Routing XXXX Checking Account XXXX Saving Account XXXX I sent money through XXXX XXXX to my pentagon Federal XXXX Account. The money was charged to my XXXX XXXX XXXX XXXX XXXX. 
My husband, XXXX XXXX, sent money through XXXX XXXX to my Pentagon Federal checking account. The money was charged to the same XXXX XXXX XXXX XXXX account ( authorized user so the same account ). 
Money was used to pay XXXX XXXX XXXX XXXX XXXX and one transfer to fund my account with XXXX XXXX. Pentagon Federal froze the account on XX/XX/2002 and I have asked repeatedly to talk with anyone in their security/fraud department to resolve the issue but those requests were denied. I was told the accounts were permanently frozen and that was all. Attached you will find a log of conversations as well as an accounting of all transactions, screenshots of the XXXX XXXX Transactions, and screenshots of XXXX XXXX XXXX XXXX XXXX to document all of the transactions showing that the money was not fraudulently acquired. Note : there is not a statement from Pentagon Federal Credit Union because they have frozen the account and have not provided a statement as requested. Additionally, Pentagon Federal Credit Union rejected XXXX transfers for a total of {$3900.00} but those transactions were completed and recorded by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By rejecting money that had been transferred, they have essentially stolen {$3900.00} from me. As shown in the screenshots of the XXXX XXXX XXXX XXXX XXXX account, I still owe that amount to XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (TX)

As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

SYNCHRONY BANK issued Amazon card. 
Could not locate the physical card to pay a {$2.00} balance. Payment was only possible through Synchrony, but without the card I could not register to login or login to the Synchrony site. 
I called Customer Service. Their automated service does not allow a bypass of the recorded messages ; no option for lost or stolen cards. You are forced to listen to a long list of messages before finally getting an opportunity to state your issue. 
The connection was bad - obviously overseas call centers- and the call dropped twice, forcing me to go back through the system. On one occasion, a representative actually was providing the credit card number ( without requiring any security questions ), but the call cut out. The third time I went through the system to reach a person, I was told Synchrony would have to issue a new card and it would take 10 days. I was able to get a supervisor, who did an ACH transfer to pay the {$2.00} bill. 
Synchrony should not be allowed to issue credit cards if it can't provide adequate support to cardholders, including the option to reach a representative in a timely manner ; immediate support in the case of lost or stolen cards ; security checks for provding card information. 
This is a very unprofessional operation for a financial institution. I appreciate your follow up to address the issues.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

While in the process of buying a home I learned that my to Capital One XXXX accounts are showing on my credit report as closed since XXXX 2022. This information is false because I was only informed of the accounts to be restricted because of a few returned payments. I have since tried to correct the mistakes made on my part so Capital One can remove the XXXX XXXX restrictions because I am currently in the process of buying my first home. I was never informed that the restricted accounts stated above would appear on my credit report as closed accounts. My credit score has decreased dramatically and my mortgage lender will no longer approve me for a home loan until this matter is taken care of. I am currently 2 weeks from closing and because of Covid this building process has dragged on longer than it should have. I take full responsibility for the accounts being restricted but not the account closures. Had I known of the account closures I would have taken action quicker and fixed the issue sooner. At this point I am out of time and potentially about to lose my first home which I have invested quite a bit of time and money in.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (NY)

The debt this agency is trying to collect if from my brother. They call eventhough I tell them that this is not my debt and they need to contact my brother. 
I have been fielding calls from them for over 2 years. They ignore my numerous requests for the calls to stop coming to me and they have recently increased and they've become more aggressive. Today was the most aggressive that they ever been, by informing me that that my name was listed on an account that belonged to my brother ( which was false ) and they pulled up my credit report. The manager said my report looked good and that I had nothing to worry about. I told them they were not authorized to pull my credit report without my permission, and the rep said " Take that up with your Brother '' and hung up on the phone on me! 

I know they claim to record all phone calls for training purposes, so they called my home phone number ending in XXXX, today XX/XX/16 at XXXX EST, should a recording of the phone call needs to be confirmed. 

The debt is not mine, so the agency was in violation of the Fair Debt Collection Practices Act. The debt they are trying to collect was not mine, so they had NO RIGHT to pull my credit report!! I would like to file suit against them.
Consumer complaint received 2022-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I have a student loan serviced by Heartland ECSI. Or rather, they have purchased my student loan debt from another company. 

I set up automatic monthly payments for my loan in XXXX of XXXX. Months later, I looked at a paper statement and saw that I somehow owed a past due balance. 

First of all, the information on the paper statement never matches the information provided by customer service representatives or the website. I'm sure there is some kind of explanation for this, but it is incredibly confusing for the consumer. It took me hours of looking at the website and trying to get ahold of customer service ( which I was unable to do ), and I thought I figured it out finally and paid what I thought was the past due part of that ( {$22.00} and change I think ), and let my regular payment be deducted automatically. This was in XX/XX/XXXX. At that time, I was told that my monthly payment is {$74.00}, and I set up automatic payments for {$75.00}. 

Today, XX/XX/XXXX, I received a paper bill in the mail that says I owe {$150.00} again. Current amount due : {$74.00}, Past due amount : {$78.00}, Fees due : {$5.00}. I immediately used the virtual assistant to be connected to an online chat with a customer service representative. The virtual assistant said I owed {$82.00}. Already not matching the info I have. The customer service rep said the fees were valid but that I only needed to pay {$8.00} to clear up the issue. Even more different information. Then, my conversation was bounced from the chat and I got a notification that it should be open in another browser window, which it was not. So, I sent an email to file a formal complaint, which bounced back saying I couldn't email due to " privacy concerns ''. So, I got back on the online chat with a new rep. This rep says the autopay system allowed me to set up my automatic payments for the XXXX every month even though my payments are due on the XXXX, and they want to charge me late fees. I chose the XXXX from a list of dates offered in the autopay system and was not informed until today that that would cause me to be charged late fees. I find that completely unacceptable. I also find it unacceptable that I'm being told so much contradictory information about what I owe.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (IL)

I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX XXXX account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.
Consumer complaint received 2022-05-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (FL)

I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of this.
Consumer complaint received 2017-01-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NC)

I received a {$750.00} loan and was led to believe that {$260.00} was going to be paid each month but instead they are debiting {$260.00} bi-weekly which I never would have agreed to and am not able to do this. They were very deceptive. 

Also, they never mentioned that the APR was 787 % which is unreal. I feel that I was deceived and never would have agreed to this loan had I known all of the facts up front
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

First off let me say I am grateful that XXXX of my loans have been forgiven under the updated PSLF guidance due to the pandemic. With that said I did not get a chance to consolidate my loans before Fedloan reviewed my account for forgiveness. On XX/XX/2022 before I consolidated my loans and submitted my employment verification my account was reviewed and loans were identified and forgiven. Due to this happening before I was able to consolidate I now can not utilize that payment count across all my loans. I reached out to Fedloan asking what I can do to revise this and they noted there was nothing I could do since the action was already taken. If I consolidated my loans before they forgave the XXXX loans that had XXXX payments, that payment count would have been applied to the new consolidate loan and all my loans would have been forgiven. Is there any options available to reconcile this? I know others who are in the same situation as I am.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 out of the blue, I received letters ( attached ) from Bank of America ( BOA ) stating they were closing my accounts due to " my risk profile no longer aligns with the ban 's risk tolerance ''. 
No prior contact with the bank was received by us to alert me of this or why, even though we have been a BOA customer for XXXX and never had any issues. 
After receiving the letters we went to our local BOA branch to find out why this was occurring. 
They stated they could not tell us why and to call the main BOA number. 
We called as instructed and spoke to a representative who also told us they could not tell us why and to call XXXX XXXX a credit reporting company they had listed with the BOA letters. 
We then called them and spoke with a representative who said we would have to request a report which should tell us why. 
We received the report, but it still gave no reasons why the action was taken other than a cryptic key factors note stating : " The status of the relationship with the inquiring bank '' and " The consumer 's transaction activity over the last 30 days is out of pattern when compared to the prior 180 days '' Obviously this does not answer the question specifically as what triggered this cancellation. To my knowledge we had no out of pattern transaction activity. 
So I am looking for your bureau to help me in finding all the background as to why BOA made the decision to cancel all my accounts. I feel I certainly that I am entitled to know the background facts as to why they did this to our accounts. 
Hope you can help.