davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX I call Citi Bank to close the account. I was instructed that it would take many weeks for a check with my money to come so it might be best to externally transfer the money to another bank so it is quicker. I agree. XX/XX/XXXX I processed a XXXX dollar external transfer to my XXXX XXXX. The following business day I try to take the rest of my money from Citi bank which is just over 5000 dollars by process another external transfer. I recieve an error message that I have reached the daily limit. This should not be the case since it is a new business day. I try again on Tuesday XX/XX/XXXX after the XXXX XXXX and still recieve the same message. I call Citi Bank and per usual are unable to help me. Despite my first external transfer being labelled as in process, the representative on the phone states that it is not in fact in process but has not gone through on their end. That is an unacceptab le discrpency. I have had previous issues with Citi Bank and so I reached out to XXXX XXXX from the executive branch who was very helpful with my last concerns. I have called twice now, once on Friday XX/XX/XXXX and once again today XX/XX/XXXX. Both times she was unavailable and I left a message. A Citi inquiry was initiated on Friday XX/XX/XXXX but with a resolution by XX/XX/XXXX. This timeline is unaccetable to me because my money has been held in Citi Bank for too long and each time I attempt to do anything with Citi Bank there is a error message or mistake on their end. A simple external transfer they can not process correctly or even tell me that there is an issue on their end. I am filing this complaint because if my prior working with Citi they would have me transferred all over on the phone and never resolve my issue. I am not waiting weeks and month this time for me to realize something is wrong and to then reach out. Something is wrong now and I want a resolution right now. I want my money out of Citi Bank immediately and into my hand or bank account ASAP and then to close Citi Bank and never deal with this bank again.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

I received a letter from U.S. Bank dated XX/XX/2022 stating that they are pleased to inform me that a claim that I made against XXXX was approved and a debit of {$360.00} was made to my checking account. However, they took {$360.00} from my account instead. I was on the phone on a recorded line for XXXX minutes today ( XX/XX/2022 ), they transferred my call XXXX or XXXX times and no one can tell me why they took that amount from my account and they need to put the money back in my checking account ASAP. My claim number for that transaction is XXXX. 

Having said that, it makes absolutely no sense as to why they approved that particular claim from XXXX that is more than 60 days old when they denied my other XXXX  claims totaling an amount of {$13000.00}. Their reasoning for denying my claims is that the disputed transactions were more than 60 days ago, but this fraudulent transaction occurred on XX/XX/2022 which was way more than 60 days ago.
Consumer complaint received 2020-02-18
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. (SC)

I have made several attempts to correct inaccurate information with Equifax to remove collections that have been requested by the collection company XXXX for two collections on my credit report. The collection agency XXXX has verified by letter to me and Equifax that the collections for XXXX and {$110.00} are inaccurate and they have requested that the collections be removed on XX/XX/2020 as of XX/XX/2020 the Equifax still has the inaccurate reporting of collections. Please see attached documentation.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (IL)

I am writing to you once again regarding the complaint/dispute I sent on XX/XX/year>, concerning inaccuracies in the credit report related to my Target Credit Card, account number ending in XXXX. Despite your response dated XX/XX/year>, asserting that the information reported to the credit bureaus is accurate, I must dispute this conclusion and insist on a more thorough investigation into the matter. 

The inaccuracies I initially reported, pertaining to the last date of activity, payment history, account number, and balance, remain unaddressed and unresolved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reported about my credit history. The discrepancies currently reflected in my credit report can significantly impact my financial well-being and creditworthiness. 

I respectfully request a detailed explanation of the investigation process you undertook in response to my initial dispute, including any evidence that substantiates the accuracy of the reported information. Furthermore, please provide me with the names and contact information of the individuals or departments who verified this information, as I am considering seeking legal counsel to further pursue this matter. 

Please understand that the FCRA provides consumers with the right to sue in federal court for any violations, including the failure to properly investigate a dispute. I am prepared to take such action if necessary but hope we can resolve this matter amicably and promptly. 

I expect a response within 15 days of receipt of this letter, detailing the steps you will take to rectify the inaccuracies on my credit report. Your cooperation is greatly appreciated as we work together to correct this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I think it was wrong to permanently limit or closed my account and hold my money. I used this account for my online business and transaction like online jobs though I wasn't able to do transaction often in the past. I have {$39.00} on hold. Theybsend an email that theybhqve to hold it for 180 days and I can not receive or send money uaing my account since it was permanently limited to do such. 

Thank you
Consumer complaint received 2018-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I was a ward of the state of Illinois for my entire childhood through College. I lived in group homes, shelters and with foster parents until I was XXXX. I went to college and graduated. Then life happened ... I was struggling to pay my student loans from the time I graduated in XX/XX/XXXX. Especially in the years XX/XX/XXXX-XX/XX/XXXX when I filed for Chapter XXXX and got my divorce. I was not aware of income based repayments or other options. Navient ( Sallie Mae at the time ) did not alert me of other potions I had to repay my loan. If so I could have taken advantage of them and probably saved thousands in interest..and I probably would not be still paying now 22 years after I graduated. I still owe more than 6-thousand dollars after paying for more than 13 years. I don't believe this is fair. By my calculations I have paid what I owed with and additional XXXX dollars in interest.
Consumer complaint received 2019-05-06
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. ()

XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
Consumer complaint received 2022-12-17
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have 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 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (IL)

The debt was actually paid BEFORE the first communication from the Aspen collection agency, Ive repeatedly told then this when they have harassed me. Ignored the information, The debt I do not owe is now on my credit report.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX L M XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank Indiana. I deposited a check Via Mobile deposit on XX/XX/XXXX. On XX/XX/XXXX at the end of the day I noticed the funds were still not available although I was told they would be available on the XXXX. There were no notices in my documents that told me there was an extended hold. So I contacted customer service via the online chat and they told me there would be a hold and then the letter mysteriously appeared after I called at the end of the day. On XX/XX/XXXX, they told me my funds would be available on XX/XX/XXXX. Then today, they told me there will be available on XX/XX/XXXX but the letter says XX/XX/XXXX so I don't even know when I'm going to get my money. This is completely unacceptable. 
Furthermore this hold is bogus. None of the reasons by law are applicable. It's not a new account, I haven't bounced checks, I'm not overdrawn. 
The check is drawn off a XXXX XXXX XXXXXXXX account. 
I've written multiple checks off this account for higher amounts that have never had a hold put on them. Now they are telling me that they received information that the check might not clear. Well I don't know what information this would be because I have never bounced checks there, I've never stopped payment so I don't think this is valid either. They're holding my money hostage for bogus reasons. This also completely unacceptable and it is going to cause me to incur late fees. I made plans based on the date of XX/XX/XXXX provided to me. Now that is a mess. Their holds are nothing more than a XXXX shoot. I'll be closing my accounts when and if they ever release my money. Who would be okay with random holds. They would not give a specific reason either.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

XX/XX/XXXX I received an email about an account I opened up today from TD Bank which I did not do. I called immediately to tell them that wasn't me.they told me to repot it here and call to report it else where.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 2022-05-15
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. (MI)

Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX SERVICES made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-04
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. (TN)

I have 5 employer listings that are not true and need to be deleted and 2 previous addresses that are not true and need to be deleted. Also 6 unauthorized inquires that need to be deleted. There are also accounts that are not mine and accounts I want validated see letter of explanation
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX XXXX manipulated the amount of a transaction to coincide with a particular number used to intimidate and manipulate, and coerce me. ( Tort of Deceit ). 
See attached.
Consumer complaint received 2022-05-15
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. (DC)

I applied for a car and got 4 hard inquiries for that car. I have 2 XXXX  credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. XXXX XXXXXXXX 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
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (FL)

I called in 2022 regarding borrower case XXXX and they advised it would take months. I received an email saying I was part of this case and did not have to pay the balance but yet I'm still being charged interest and still have a balance.
Consumer complaint received 2022-12-17
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: Avant Holding Company, Inc. (AZ)

I have a credit card with Avant I have over {$500.00} in fraud charges. I can't seem to get anyone to take my fraud dispute. After over 20 calls and hours of my time I have not spoken to anyone that has taken the disputed charges. They keep telling me I have only one person to speak to gave me a phone number and ext and only can leave a voicemail no one calls me back. There is 9 charges totaling over {$500.00} now that are charging me interest and want me to pay payment. I refuse to pay for fraudulent activity 2 months is extreme to me and still have not even been able to tell them what charges I am disputing.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

I was getting a mortgage for a house and although I had closed my TD bank accounts years previously, somehow, a charge was able to be put on my TD bank card. I was never notified of this charge because my account had been hacked before I had closed it without me knowing about it, therefore, all the bills and late fees were going to an unknown address. Due to this, my XXXX XXXX had dropped by 250 points. I almost lost my new house and can barely afford my new mortgage payment because of my credit score. I ended up going to a brick and mortar TD bank the first week of XX/XX/XXXX because I was not being helped over the phone. I paid the account off and my account was once again closed. About 6 weeks later I received an account summary in the mail from TD Bank. It was a new bank account that was opened with no money in it but it was charging me a {$1.00} maintenance fee. I did NOT open this account and I went back to the bank to get it taken care of. Once again, this account was closed. About a month after that, I received another account summary in the mail from TD Bank charging me another {$1.00} in maintenance fees for an acct. Because I now live about 40 minutes from the TD Bank and because when I called the vice president I was dealing with was on vacation, I wrote a long email to the vice president at the bank. I received a response back saying " escalating this matter immediately ''. I just received a new summary on XX/XX/XXXX, now a few weeks later, saying that my account with TD Bank is now PAST DUE a {$2.00} maintenance fee! I don't know what else to do. They will not close my account even though I closed them myself in XX/XX/XXXX. My credit score is being affected by these " late fees '' I've contacted the bank over 3 times already!!
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (OH)

In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-04
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. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX