davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (SC)

I financed an HVAC system in the amount of {$6000.00} ( even ) with my local provider who used Aqua Finance. The unit was installed and I signed an acceptance form on XX/XX/2019. My first payment was due XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$6000.00} to totally pay off the loan within 30 days. ON the XX/XX/XXXX billing statement the payment was indicated with new interest charges totaling {$88.00}. I telephoned the company and their rep stated that interest is applied from Day 1, despite the fact that I paid the total amount financed within 30 days. I do not believe their practices are legal. 
I have since paid the balance reluctantly, but I'd like Aqua Finance to reimburse me for the interest charges.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo close both my checking accounts because they said fraudulent act if someone deposes money into my business account or personal account Wells Fargo will close my accountant says fortunate acts has it fraudulent acts when people are paying me for my services at Wells Fargo can't understand that or didn't understand it and they closed my accounts and they say how old I'm {$200.00} Wells Fargo have caused me a lot of pain closing my business and personal account and left me stranded by naturally
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (SC)

Please see attachment/police report because the banks in the police report are the banks were the criminal open up multiple bank accounts in my name without my consent. I do have a consumer lawyer and we called these banks and was given information that don't belong to me such as address, phone numbers, and addresses.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was looking over my XXXX  report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (NC)

I opened an account with Suntrust banking the end of XXXX, i deposited funds on XX/XX/XXXX which was a workers check, within the next day my account was frozen and i was told my funds were being put on hold. Few weeks later I received a letter in the mail saying i will receive my check in the mail within 5-7 business days. Within that time frame I did not receive the funds in the mail, so I called back and was given a different time frame of two weeks and was to my funds was pending reclamation from the finacial institution, after that time frame I reached back out to the bank and was then that theres no time frame on when I will receive my check because pending reclamation can take several months, which I didnt understand because it wasn't a personal check it was a workers check, and Ive been told there was nothing I can do about the situation. I tried to get my employer to write another check but i was told Suntrust processed my check and that they couldnt write me another because it looks like im asking for funds that I already have. Within that time my life turned upset down a lot of bills was pushed behind and I lost a few things due to not having any funds for a month. Finally after waiting three months on XX/XX/XXXX, i called back and was told that my account was still -ending reclamation but I was told a different story. I was told that my employer bank has to contact Suntrust so that they can release the funds back to my employer bank so that i can receive my funds because they will not be able to send that check back towards me. So I explained that I was given a different story for three months when this couldve been handled different and she sounded flustered and hung the phone up.
Consumer complaint received 2024-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

In XX/XX/2024 I reached out to Mohela after I noticed my credit score was impacted due to in increased balance on my student loan. I found that MOHELA capitalized my interest after placing my loan into administrative forbearance with no communication as to the reason for administrative forbearance. At no point in time did I request to defer payments. I am eligible for PSLF and am on the SAVE plan and per FSA guidelines, " The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. '' ( udentaid.gov/announcements-events/save-plan # benefits ) I have asked MOHELA to clarify the reason for the continued balance increases, they will not provide a response to my question.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a Platinum checking account with Citizens Bank at XXXX, RI location ( XXXX XXXX XXXX XXXX XXXX, RI ) in XX/XX/2019. I presented the officer with a promotion coupon card mailed with the USPS change of address package for {$400.00} bonus after meeting certain requirements including maintaining a balance of {$25000.00} for three months. The banker at the branch accepted the coupon and opened the account for me in person and promised that I will receive the {$400.00} bonus after meeting the requirements. The banker didn't return the coupon card to me after opening the account and I relied on the assurance from the banker that the {$400.00} will be deposited assuming that all requirements are met. 

I deposited the {$25000.00} required to get the {$400.00} promotion bonus at the end of XXXX. After not receiving the bonus for three months, I called on XX/XX/XXXX to inquire about the promotion bonus and was informed via phone that bonus will be posted to my account in XXXX. On XX/XX/XXXX, I called the customer service line again to inquire about the promotion bonus that was not received. I was told that they'll investigate and get back to me. A lady from Citizens Bank left me an voicemail on XX/XX/XXXX saying that the coupon I used was valid from XX/XX/XXXX to XX/XX/XXXX and I am not qualified to receive the bonus because I opened the account before XX/XX/XXXX. I subsequently called again on XX/XX/XXXX and the person on the phone refused to provide proof that the coupon I used was not valid and told me that the manager of the branch where I opened the account will call me in the next 1-2 business days. The branch manager called me on XX/XX/XXXX and told me that I need to provide proof that the coupon I used in XXXX was valid, otherwise they would not honor the promotion bonus. The branch manager and the customer representative refused to provide proof that the coupon code was not valid, but insisted that I need to provide proof that the coupon that the branch accepted back in XXXX was valid. I don't have obligations to keep the coupon once the coupon was presented, accepted and kept by the branch banker. The Citizens Bank was clearly committing fraud by deceiving customers into depositing large amount of funds at a no a interest account.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CO)

I have had now XXXX cards total with this company XXXX purchased from same store. Everytime they cancel out card and say something happened to it and have to order another then I have to transfer money from old to new card but since they cancelled card I can't use account to do a transfer I have to call them and they charge around {$5.00} they can never fix over line they have you on hold and everytime you have to get another card I received XXXX cards in XXXX day and they were both already cancelled and I never even registered them! now I have to wait to receive my check again till I get another card can't even pay bills
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

There was recently a credit card opened in my name fraudulently that I did not apply for or open at all through comenity XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 with a {$4900.00} credit limit I have not received anything in the mail or have I applied for this card at all
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian has closed yet another complaint without addressing the issue and still not telling the truth but here are the words they will recognize, compensatory damages, punitive damages, the length this company will go to scam people is incredible
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I requested statement copies for Mastercard account ending in XXXX on XX/XX/XXXX, it is now XX/XX/XXXX and nothing received to date. I spoke with a rep in recovery, I do not have her name available to me, she stated she was able to request statement copies from account opening to closing. I called again recently on XX/XX/XXXX, the rep confirmed they were sent out, he could not tell what date. I believe if they were sent out they should have arrived by now, it appears the package is lost. I request statement copies resent, I need the entire account history from opening to closing. A rep by the name of XXXX I believe the name is stated they reached out in XXXX which I have no record of.
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NV)

XXXX improperly billed me. I followed their dispute process in writing. I never received correspondence back. In my correspondence to them, I requested the all returned correspondence by in writing and mailed. This hasn't happened. 

Collection company contacted me and I disputed the debt with specific instructions. They failed to validify the debt. They did not respond to my correspondence. 

I recieved an alert that GC services put a deragatory mark on my credit report. They failed to validify the debt, or respond in writing. XXXX, failed to follow their own dispute process and have not responded. According to the dispute process, any amount is not owed due to their failure of response. 

GC services continues to call me current number, even after receiving do not call demand and notice multiple times.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a notice from XXXX XXXX that a credit card was opened as an " authorized user '' with XXXX XXXX. In XXXX, My ex-boyfriend, XXXX XXXX XXXX, opened the account without my knowledge. I confronted XXXX and he stated that he added me to the account as an authorized user only and doesn't know how the bank obtained my social security to put it on my credit. XXXX has charged one thing on the account and paid off the balance. Unfortunately, the only number with this bank is an electronic number without an option to close the account or speak to a human being. I have reported to Transunion that I was added to the account without my knowledge or permission. I also want to remove this bank from my credit report.
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CT)

I get paid every 2 weeks, I wanted to change the due date for my payments, they were normally due on the XX/XX/XXXX of each month, we are buying a home and now will need to move some bills around to accommodate the new mortgage payment. I emailed Lending Club on XX/XX/19 at the email they provide for due date changes ( XXXX ) requested a new due date around the XX/XX/XXXX of the month, they emailed back on XX/XX/19 that they could only go as far as the XX/XX/XXXX, which was ok, I emailed back that same day the XX/XX/XXXX is fine I needed to change it regardless. I received an email back on XX/XX/19 stating that my new due date would be the XX/XX/XXXX of each month beginning on XX/XX/19. Today is XX/XX/19 and I checked my bank account and Lending Club took their payment, I called and spoke to XXXX different people, the first rep told me I misinterpreted the email and had to call to change the due date, there is no mention in their emails of me needing to make a phone call to do this, the second person put me on hold and never came back, the third woman I spoke to saw the emails and could not understand how the first woman I spoke to could tell me I was wrong and there was nothing that could be done, she opened up service tickets for a supervisor ( who are not available by phone to customers ) to look into this and another service ticket to try and cancel the payment, my account is now overdrawn and I was charged {$35.00}, this is absolute XXXX!! I am appalled that nobody knows what to do and you can not speak to a supervisor. I want this rectified and I want the {$35.00} fee refunded to me. I have all emails saved as proof.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MD)

I qualified under the Save plan but Mohela keeps accruing interest on my loan amount. I have called Mohela in XXXX and they said they will pause interest at the end of XXXX. However my interest amount has grown from {$30.00} to {$110.00}. Accrued Interest as of XX/XX/23
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My credit report has an account for XXXX XXXX and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand XXXX well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.
Consumer complaint received 2024-06-11
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (WI)

I am unsure if I filed this in the right category but I had a garage fire on XX/XX/24 I filed a claim with XXXX ( insurance ) they sent a contractor out to do an estimate which claimed I need the siding the overhead garage door the frame the side door and frame all electrical the garage door opener 2 studs replaced and some sort of blasting to clean up the soot in reality I need to replace the garage door opener and over head garage door and pressure wash the soot. well I requested 500 multiple times for a dumpster and Flagstar said it is the insurance problem and insurance said they issued the check so it is the mortgage and that I also have to have a contractor do all {$27000.00} of repairs before any funds will be released skip to XX/XX/24 Flagstar is not taking my calls the constantly hang up on me I have talked to the XXXX  XXXX  and they informed me that I only need a contractor if the damage is structural which it is not and if Flagstar wants to keep the games up I can request the insurance money go towards my mortgage and not pay till the insurance money is up due to the games between XXXX and XXXX I am behind on my car insurance my mortgage multiple credit card payments and other bills and has effectively destroyed my credit putting my military career in jeopardy and Flagstar has not a care in the world the induvial departments refuse to talk to each other and use me as a middle man but again the insurance claims department is always hanging up on me I am currently looking for the money to go towards my mortgage for the next 2 years or 25 months till the funds are used up and I make no payments during that time to fix my credit due to their negligent
Consumer complaint received 2022-12-07
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. (OH)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Experian has a fraudulent membership tied to my social security number. I've been trying to resolve this issue for over a year. I sent them documentation ( state issued ID, social security card, utility bill, and written request ) to reset the membership to Consumer Info XXXX XXXX XXXX XXXX XXXX XXXXXXXX as requested twice. Most recently on XX/XX/2023 via XXXX certified mail, which is showing as delivered. Subsequent calls to customer service to check in leads to being hung up on. Ticket XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

American Express charged me {$260.00} in interest on a {$4700.00} that was paid in full ONE day after the due date. I was late on payment because I had upgraded to a new card, and American Express did not sync up the due date with my existing card. Further, I contacted American Express on the date I missed my payment, and they agreed to waive charges and interest. The billing cycle was abnormally long given the opening of the opening of the new card.
Consumer complaint received 2022-01-04
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX