davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DOLLAR MUTUAL BANCORP (PA)

My husband passed away at age XXXX in XXXX from complications of XXXX. In XXXX I had an attorney place a court ordered two signature hold on all of our bank accounts to prevent him from doing something irrational with our retirement accounts. At the time this freeze was placed I was the beneficiary on all accounts. 
On XX/XX/XXXX my husband went to what was then Standard Bank and closed a $ XXXX CD because he was scared money may be lost due to the impending take over of Standard Bank by Dollar Bank. ( We had money in both banks at this time. ) The next day on XX/XX/XXXX, realizing he had made a mistake he went back to Standard bank and put the $ XXXX back into a 10 year CD. However he forgot to designate a beneficiary on this CD paperwork. My husband was soon XXXX  and passed away on XX/XX/XXXX. 
Dollar Bank acquired Standard Bank in XX/XX/XXXX. Dollar Banks manager and the legal department denied having any proof of the XX/XX/XXXX Standard Bank transactions done by my husband. These transactions should have been forbidden because of the court ordered two signature freeze at Standard Bank. Having spoken to a kind woman in Dollars IRA department she recently provided me with a copy of the CD my husband opened at Standard in XX/XX/XXXX. Dollar bank has refused to reinstate me as the beneficiary of the original CD despite my having proof of my original beneficiary status. They are demanding that is should go into an estate for my deceased husband. 
Additionally, despite having proof of my husbands death as well as the Short designating me as the executor, Dollar Bank has refused to unfreeze the original two signature hold I had my attorney place on the accounts when my husband was alive. My husband can not sign documents because he has died! Dollar has not allowed me to do the XXXX  on accounts totaling $ XXXX last year and this year leaving me with large IRS penalties. I have a total of ~ $ XXXX in accounts at low interest rates that I can not touch. I am losing money every day because I can not reinvest that money in higher yield accounts and I can not access the money to pay medical bills. I have had to borrow money. 
Dollar Bank has been uncooperative and hateful leaving me feeling powerless and penniless. I have had to borrow money to hire an attorney to get my own money from this Bank.
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On Friday, XX/XX/XXXX I called mohela and asked about the student loan transition program. I could not get through to anybody for around XXXX minutes and after I finally did I was in transferred to a different department and waited almost an hour. From here, nothing happened in the car was eventually hung up on their end and I had to start back at XXXX XXXX and got nowhere after that. I was calling to see if I could pay off my loan for the month of XXXX, because it is in this transition program, and I have no access to the account and I am afraid that this will be a problem for my credit
Consumer complaint received 2024-02-26
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020 I contacted my bank, Bank of America to recoup a scam from a wire transfer. They stated they couldnt help me but would file a complaint. I have not had my funds recouped.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

National Credit Systems, a registered Collections Agency is attempting to collect on an alleged debt of {$4500.00}. The alleged debt originated from the property XXXX XXXX XXXX. This alleged debt is not owed because Texas Rent Relief satisfied any owed balance. In addition to Texas Rent Reliefs assistance, I was on a month to month with XXXX XXXX XXXX and not in any legally binding lease agreement with them, and the balance owed to them was paid down to a XXXX balance. A proper investigation with Texas Rent Relief will reveal that XXXX XXXX XXXX  received payment on my behalf to satisfy any past due balance owed at the time. 

So therefore not only is XXXX XXXX XXXX attempting to damage my credit profile due to monies they have already received from myself and Texas Rent Relief, National Credit Systems is reporting erroneous information on my credit profiles to the credit reporting agencies that is inaccurate. And according to 15 U.S. Code 1681s2, it is my right as a consumer to make sure that all the information listed on my credit profiles is being reported accurately. It explicitly states that 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. 

A person is defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. and per 15 U.S. Code 1681s2, the only entity that can validate the accuracy is the consumer. So I the consumer am notifying National Credit Systems Inc, that the information they are reporting, is inaccurate and therefore should cease reporting this inaccurate information, and cease all collections activities.
Consumer complaint received 2022-12-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

Greetings, My name is XXXX XXXX. I have been working on my XXXX XXXX for a couple of years now. Paying everything on time, paying off credit cards with low balances. My XXXX XXXX nearly made it to XXXX for the first time in a long time. The company called lending club-used for dental work. Which is another story I dont understand why dental insurance does not cover like regular insurance. XXXX health is just as important as all other health issues. AnywayI opened an account with lending clubnever got a paper bill in the mail. Finally got informed I owed {$1900.00} for partially paying for a {$6000.00} implant, which is insane by the way for ONE tooth. My account went 60 days late and my credit score dumped over XXXX points! This is wrong! I called them and paid some of the payment I was late for and caught up actually today with the remaining {$75.00} to bring the account current. My question is who is policing the credit agencies?!! How can they decide to destroy my credit over being late for two months? 

Sincerely XXXX XXXX
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (NJ)

In XXXX of 2020, I received an alert that I had a new hard inquiry on my Equifax credit report. I contacted Equifax to dispute this fact and then contacted XXXX XXXX XXXX, the company that had requested the hard inquiry, to see if any account had been opened using my information. I did not authorize any credit check for an account with XXXX XXXX XXXX in XXXX of 2020. I have no business with XXXX XXXX XXXX. I was able to find out that someone had used my information to try and open an account in XXXX XXXX, New Jersey. I requested that XXXX XXXX XXXX inform Equifax about this error so that it could be resolved as soon as possible. Today is XX/XX/2020 and the error still shows up on my credit report.
Consumer complaint received 2020-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Years ago approximately XXXX or so I began having problem paying my loan and was steered by Sallie Mae now Navient to apply for forbearances and was never told about different payment options. I am almost 60 and  still paying interest on loans from XXXX that initially only {$25000.00}. I was mislead and steered to a debt that I cant get out of.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

This involves all my Ally accounts not just my savings account. " All accounts '' was not an option. 

When I log in online to my Ally accounts, it asks me if I want the login code sent to my email address or to my phone. Somebody is trying to open accounts in my name, and filed a fake income tax return in my name, and I don't doubt that they will try to hack my email. 

I have changed my password, but that's not enough. 

I have repeatedly asked Ally to remove the option of sending the login code to my email address, since somebody can hack my email. Sending the login code to my phone is much safer, and I always choose that option. 

Ally ignored my request and simply told me to change my password. Which I have already done. 

However, sending the login code to my email address should NOT even be an option. The way Ally has it set up now, somebody can simply hack my email and have the login code sent to my email. Again, this should NOT be an option.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I entered into a loan modification with Bank of America on or before XXXX, which was the due date of the 1st trial payment ( see Offer/Acceptance Letter attached ). I made all 3-month trial payments on time ( see attached payments confirmations and copies of checks ). On XXXX Bank of America sent me a letter notifying me of their transfer of the loan to XXXX XXXX XXXX XXXX XXXX. ( see attached ). I had to cancel my 3rd trial payment because Bank of America wouldn't take the payment. 

I suffered great monetary loss and struggled for a refinance of the mortgage that was transferred to a servicing company that did not have my account set up in their system and that changed the terms of the modification and that added more fees and costs to my account and sent my account to foreclosure.
Consumer complaint received 2022-12-30
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (UT)

This seems to be the same issue when you guys sued Freedom Debt Relief LLC back in 2019. They have pulled out over {$3400.00} from my checking account and claimed that they " settled '' accounts, when in reality they took the fees to pay themselves first and paid only {$1.00} to {$25.00} to the creditors. At this point I am filing Chapter XXXX Bankruptcy due to this and need those funds back for the services they did not provide/finish. I tried to go another route with a different debt relief company but I am already to much in the negatives. They need to give me back my funds for services they didn't even list. 

Please call or email me at anytime regarding this. XXXX or my cell is XXXX. I am looking at a total of {$5000.00} in damages from them ( {$3000.00} for scam fees and {$2000.00} emotional damages ).
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IN)

I signed up for Citi new checking account promotion that stated you needed {$50000.00} for 3 months and receive {$700.00}. After 5 months, I called several times and finally was told that they will not honor the promotion and tried to say it wasn't targeted at me??? At the time, I called and spoke with a representative from Citi bank who assisted me in setting up the account under false pretenses. 
Then when I tried closing the account, they wanted to charge me to get my funds back. This is outright false advertising and criminal behavior. Citi bank should be ashamed of themselves. Hopefully, you can warn people of their predatory practices and lack of honor in backing their promotions. This is my first time filing a complaint. Thank you for listening!
Consumer complaint received 2024-02-26
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

ive been trying to get a free transunion credit report and score online for months and im unsuccessful.The site keeps saying sorry, unable at this time.I even tried XXXX XXXX XXXX and unsuccessful.When i try to get a free report from transunion, it asks for credit card.I shouldnt have to input a credit card for a free report.I dont know whats wrong with transunions site.They make it difficult.XXXX and XXXX is real easy.I want a transunion report
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX