davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX an unauthorized transfer was made on my XXXX Bank of America prepaid card, the amount was {$4800.00} and left me with XXXX balance, so I called the bank and they transferred me to their fraud department and filed a claim. 
Claim # is XXXX On XX/XX/XXXX another unauthorized transfer was made on the same account again with the amount of {$4800.00}, and I found out the bank had credited me the {$4800.00} two day ago on XX/XX/XXXX, now left me with {$0.00} cent on my account, so I filed another claim, clam # is XXXX After two months later 0n XX/XX/XXXX, I received a letter from Bank of America saying that they are unable to approve my recent claim and the credit of {$4800.00} will be removed on XX/XX/XXXX. 
XX/XX/XXXX now my account is negative $ - XXXX, I call them to reopen my claim, but this time they gave me a new claim number because of their new system, the claim # is XXXX. 
And later on they kept debit and credit back and forth. 
On XX/XX/XXXX credited {$4800.00} On XX/XX/XXXX debited {$4800.00} On XX/XX/XXXX credited {$4800.00}. 
It seems like they credited my second claim {$4800.00} but denied my first claim {$4800.00}, I kept calling the bank almost once a week, but each of them told me different, XXXX told me my claim is at the back office, another told me my claim is pending and another told me my claim is denied, I need to reopen it, I even asked for the bank fraud department supervisor to help me out, let me talk to some one directly so I can explain my case. No one called or contacted me.

It seems like the bank has mixup since I have two unauthorized transfer and the amount almost identical in the same month with two claims.

Its almost two years now, it seemed like the bank doesnt want to credit me back the money the government put it there and its taken out by some unauthorized transfer.
Consumer complaint received 2023-06-28
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: GOLDMAN SACHS BANK USA (FL)

This account was opened on XXXX 2022. There has been only XXXX purchases and XXXX payments. While I was setting up the payment information, I typed the wrong routing number. I contacted the company right away to let them know. Still the company try to do a collection which it did not go thru due to wrong account. To prevent my payments to be late I made a payment, with no difficulty since I had already straightened the problem. On XX/XX/2022 the statement is telling me I have a balance which is completely wrong as I had already paid more than it was due to bring the account to zero. I am still been charged for the first payment that was schedule that did not go thru. I have contacted the company XXXX times. I have records with time and dates. XXXX of the times I have written to the company explaining the issue. I printed All the statements so they can see were the problem is, hoping they will go month by month as I have requested multiple times. I really need helped with this. Just getting aggravated when dealing with a huge company. Ready to send you more info. Thank you.
Consumer complaint received 2021-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On XXXX XXXX I received a notification from XXXX that a collection was added to my file. Upon review, Phoenix Financial Services placed a {$58.00} collection on my credit Bureau. I have no idea what this debt is for and it does NOT belong to me. This is the second time this company has done this. I have never received any notification by mail or phone. I have stellar credit and have never been late or have any debts unpaid. 

This company is in violation of so many laws and I am going to contact the attorney general of my state as well to inform them of the deceptive acts by this company.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have been going back and forth with LVNV funding about this account that they alleged belong to me I requested validation of debt, a contract bearing my signature I sent a follow up letter on XX/XX/21 and received no response its been well pass the 30 day time frame and Im requesting removal of account XXXX XXXX has already agreed to delete account why is LVNV harassing me? Please help Ive attach certified receipt and letter
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management Inc is attempting to collect a debt that has not been verified.

Creditor is requested to cease all collection effort and return to " alleged creditor '' or furnish to consumer all personal information used to establish account.

per title 15 failing to validate the accuracy of information has not been established in addition I have never had a legal binding contract with with Midland Credit Management Inc or XXXX XXXX XXXX  the request to furnish evidence that I do, has not been honored or produce. yet has a frivolous civil suit in XXXX XXXX XXXX XXXX to collect on a debt that does not belong to me. 

15 U, S code 1681- " It is the purpose of this subchapter that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit with regard to the confidentiality, ACCURACY, relevancy and proper utilization of such information in accordance with the requirements of this subchapter ''
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (CA)

I took out Stafford loans while earning my   XXXX   at the University   XXXX   XXXX   (  XXXX - XXXX  ). I have been paying far in excess of what is due each month in order to pay my loans off quickly. I have paid {$22000.00} in total on the loans serviced by   XXXX   ( others are serviced by  XXXX  ) and have never been late on a payment. In  XXXX ,   XXXX   listed my loans as in default even though I had paid the monthly minimum on all of them and extra on others ; I paid {$2000.00} on  XXXX / XXXX / XXXX  and {$260.00} on  XXXX / XXXX / XXXX . After multiple calls and yet another payment on  XXXX / XXXX / XXXX  for {$590.00}, they changed the status to paid. On  XXXX / XXXX / XXXX , I paid {$2900.00} which far exceeded the amount due. However, on  XXXX / XXXX / XXXX , I received an e-mail saying my account needed immediate attention. When I logged on to  XXXX  's website, it said my loans were past due and I owed {$160.00}. I paid the amount ( via the website ) immediately even though I should not have had to just so that none of my loans would be listed as past due. However,   XXXX    continues to list my loans as delinquent. I spoke to  XXXX , a supervisor, on Wednesday,  XXXX / XXXX / XXXX  who said she would refer the issue to Accounting, look into it further, and call me on Friday afternoon. She never did. The company is closed on weekends. On Saturday,  XXXX / XXXX / XXXX ,  XXXX  charged my account a {$7.00} late fee without notifying me they would be doing so. I called  XXXX  on Monday morning,  XXXX / XXXX / XXXX  and spoke to another supervisor,  XXXX , who said he would send another request to Accounting and call me later that day. I received a call from  XXXX  instead who said  XXXX  was still looking into the matter and she was not sure when it would be resolved. I asked to speak to her supervisor but was told she was unavailable. I did receive a voicemail message from her supervisor,  XXXX , on  XXXX / XXXX / XXXX  after I left another message for her but she did not provide any information and did not return my call back to her. I also spoke to  XXXX  in Compliance on  XXXX / XXXX / XXXX . She assured me she would have " past due status '' corrected and call me the following day. She did neither. I continue to receive calls via an automated system from representatives telling me my account is past due. When I ask to speak to a supervisor, I am placed on hold for approximately for several minutes, sometimes only to be told that none are available. Yesterday morning (  XXXX / XXXX / XXXX  ) for example, I was placed on hold for 20 minutes so that I could leave a voicemail for  XXXX , only to be disconnected. I 've also contacted the company twice via e-mail (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  ) but have not received a substantive response. This is fraudulent and unethical.  XXXX  should not be permitted to manage student loans, especially federal loans use to fund a public university.
Consumer complaint received 2024-02-27
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. (FL)

XXXX XXXX XXXX on my credit reports that I have an account open with there company I have never had a account with XXXX XXXX fair credit XXXX says they must provide me all information on this account including address purchases made dates amount phone number history if this can not be verified then this must be deleted from credit reports
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

Company XXXX XXXX entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXX in XX/XX/XXXX I check my credit and same company is trying to collect on same debt I called and XXXX is claiming that this new dept. from XXXX and reported in XXXX False False
Consumer complaint received 2024-02-27
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-27
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)

I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. 

I believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.
Consumer complaint received 2021-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My wife and I are parents that have had XXXX children go to college that are paying back student loans. I supported all of my children by co-signing for their loans, one of which, I was able to pay off. In order for my youngest child to finish college at XXXX XXXX University, over the phone, I agreed to the loan, later to find out it was a " Parent-Plus loan '' loan that she nor I were given details about the loan terms, nor did we understanding this type of loan or the ramifications of it's terms. My daughter called me from the finance office of the school at the last moment for her enrollment. My complaint revolves around how my payments, to date, are being credited to the loans, extreme interest charges, and the lack of explanation as to why and how the fees and charges are causing the loans to increase, regardless of the payments made to date. The original loans for the Parent-Plus Loans totaled {$36000.00}. Since XX/XX/XXXX, I have consistent made payments totaling XXXX, but my total balances have continued to increased, to date, to {$42000.00}. I have attached documents explaining the terms, payments and balances of the loans. My wife and I would like to apply for assistance with the loans or forgiveness, given that she and I are XXXX years of age and are at our retirement ages. Please review the attached " Account Balances Statement '', original loan amounts and outstanding principal balances column for balance discrepancies and exorbitant terms. Also see the Detailed Payment History report and Account Snapshot and advise. 

Thank You, XXXX XXXX
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (MA)

I applied for a Citi / AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX. The application system said that, if approved, I would receive a temporary card number to use the card. I got approved but never received the temporary card number because of a glitch in Citi 's system. 

I called Citi, and the customer service representatives confirmed it was a glitch. Citi mentioned ( on a recorded line ) that new cardholders are not getting temporary card numbers, that they have IT checking the issue, and that for me to use ( or cancel ) the card, I would have to wait for the actual card to arrive, which would take from 7 to 10 days. I got this card because of a promotional offer ( a {$250.00} statement credit ) to buy American Airlines plane tickets, and waiting for seven days would defeat the whole purpose ( as prices would increase ). 

Their current system is deceiving and ( in its current state ) lies about how they conduct business practices. I believe, from their admission on a recorded line, that this issue has happened more than once and as such could be considered deceiving business practices.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2023, I applied to refinance my home through the Navy Federal Credit Union. Despite submitting all necessary forms and documents before my Notice of Incompleteness Date ( NOI ), the loan officer requested a remote work letter from my employer to complete the loan approval process, which I found strange since my income and employment had already been verified. Surprisingly, the loan approval was contingent upon providing this remote work letter. A few days later, I discovered that my account had been removed from their website, prompting me to contact the loan officer, who informed me that she was unavailable, but my loan was in process. Concerned, I contacted customer service and was informed that my application had been declined due to the failure to produce a remote work letter. I applied for a new loan and submitted an appeal to use the previous loan 's interest rate. However, I am still waiting for an official response to my appeal and an explanation for why my initial application was denied.
Consumer complaint received 2021-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (MA)

Galaxy International Purchasing has placed and inaccurate charge off account on my credit report. I have explained to Galaxy international Purchasing via certified letter that I am not the rightful owner of this account and it doesnt belong to me. This inaccurate and illegal account has case harm and injury to me financially. This is not fair that Galaxy International Purchasing can continue to report this inaccurate and illegal account on my credit report damaging my credit worthiness. Galaxy International Purchasing has as violated the Fair Credit Reporting Act requirements by re-aged this inaccurate account. Re-aging any account is a violation of the FCRA. 

I have explained to Galaxy information Purchasing that I am no XXXX and I didnt give anyone permission to use my name or SSN to obtain financing or credit.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed the balance with Transunion and   XXXX   XXXX   several times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I placed and order with XXXX XXXX in the amount of XXXX for and uh oh honey eyeshadow palette as of yesterday I received my order it was not the order I placed it was someone else 's order with a different invoice but the outside of the shipping envelope had my name and address their makeup company has no contact information just through email I'm a very disappointed customer I called my credit card company Capital one for the dispute but they are stating they need further information but didn't give me a way to attach documentation and gave me only a temporary credit I'm not paying for and incorrect item below I've attached photos of what I ordered and what I received instead
Consumer complaint received 2021-10-24
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. (CO)

2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my transunion report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and transunion removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and transunion says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on transunion and XXXX. 

2 ) Transunion has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. Transunion has stated the the account is accurate. It's not my account. This account also displays on XXXX and transunion. 
Last but not least 3 ) Transunion also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.
Consumer complaint received 2021-10-24
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: U.S. BANCORP (OH)

Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to U.S Bank but they were no help Thank you.

US BANK HOME MORTGAGE XXXX
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed a request for a free annual credit report. I received a copy of my consumer credit file from XXXX and XXXX. I never received a credit report from TransUnion. TransUnion sent a postcard ( dated XX/XX/XXXX ) requesting copies of personal information to verify my mailing address. My mailing address has been the same since XX/XX/XXXX and TransUnion has sent my Credit Report to the same address since XXXX. This is the second year in a row TransUnion has tried to use stall tactics to avoid sending me a free report.
Consumer complaint received 2021-10-24
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: Experian Information Solutions Inc. (FL)

I have had so much resistance with Experian and how there reporting this account. Fcra requres 100 % accuracy and this account is reported a charge for the last six years every month ( Ive included. A video that shows this as well not to mention this account was reaged Im asking for it to be remove from Experian XXXX and XXXX removed Experian is still reporting this is violation