davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Social Finance, Inc. (MD)

I was approached by Sofi lending services to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. 
I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX  ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. 
I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. 
They proceeded to inform me that there is nothing they can do to rectify the matter. 
When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX XXXX  ''. 
I contacted XXXX  and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.
Consumer complaint received 2020-04-13
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: BARCLAYS BANK DELAWARE (MO)

Wanted to do a {$8000.00} balance transfer. Never did receive any monies or funds and was billed. The company will not answer their phones and not respond to many texts on their website. They promote they're 6 hours promise to respond but I have tried for several weeks with no response. Instead I received statements demanding payment for {$0.00} monies. 

I'd like to file suit for what ever I can for un just business practices and lowered credit scores! The company is Barclays US with the ring card.
Consumer complaint received 2024-01-10
Product: Credit reporting 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (TX)

I have sent this Resurgent Capital Services c/o LVNV Funding , LLC XXXX letters asking to verify this debt. They sent back a statement which does not validate the account. I requested 'I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount for the above XXXX accounts. 

Also they updated credit report with comments saying I disputed this account when I have only ask them to Validate the account.
Consumer complaint received 2024-01-10
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. (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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX at XXXX XXXX, I deposited a check issued to me by the NC State Treasury in my North Carolina State Employee 's Credit Union 's proprietary ATM. The treasury check was a refund of my retirement contributions while working as a local government employee. Given the COVID-19 crisis and the update provided on the credit union 's website, the ATM seemed the appropriate choice at the time. The check totaled {$10000.00}. A State Employees Credit Union representative, XXXX, contacted me at XXXX XXXX, Monday, XX/XX/XXXX via phone. She left a voicemail stating that they were placing a hold on the funds until the morning of Friday, XX/XX/XXXX. I called the local contact number listed for my branch at XXXX XXXX, on Monday, XX/XX/XXXX to inquire about the funds ' availability. The representative that I spoke with via phone advised that the funds would be available at XXXX, XX/XX/XXXX. 

The Expedited Funds Availability Act states the following pertaining to this matter : 1. Cash and other next-day checks deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a Federal Reserve Bank or a FHLB ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) 2. Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ) A depositary bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depositary bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. 

I believe that the financial institutions hold on the funds is discriminatory. The account is over a decade old, and the deposited check issued from the State of North Carolina 's treasury. There seems to be no apparent reason that necessitates holding all of the funds in excess of {$5000.00}. It took a considerable amount of time to receive the funds, and are needed to purchase essential supplies and pay bills.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/23 I received a notification that my XXXX account had been hacked. I did a web search for a phone number for XXXX and made the call. I spoke with someone who had my XXXX information and they confirmed that yes I had been hacked. I was told not to worry that they would be able to fix the problem. They explained that someone had made 4 purchases in marketplace on XXXX, the amounts were in the amount of $ XXXX {$490.00}. They gave me an email address and began to instruct me on using XXXX to have the charges reversed back to my account. I followed the steps as they directed and made the money transfers and ask the question how was this going to get my money back, they said once the transactions were completed the funds would be immediately returned to my account. I finished the call and checked my bank account and {$2000.00} was gone. Immediately I thought oh no, Ive been scammed! I called Wells Fargo immediately and filed a fraud report. The banker that I spoke with stated this happens all the time. He took my information and I asked how long would it be before I would get my money back. He informed me that while they were investigating the case that provisional funds would be added to my account while they investigated. The next day I need to use my account and provisional funds were added back to my account. On XX/XX/23 I received a call from Wells Fargo and was told that Visa had reached a decision in my case, and they would be reversing the provisional funds from my account on XX/XX/23. I asked how this could be, isnt Wells Fargo insured? In the past have received notification if they see suspicious activity on my account that never happened in this case. 4 charges of {$500.00} back to back didnt look suspicious to Wells Fargo enough to send me a text or a call! This was a scam. I realize that I did give the people that I spoke with information. Thats what a scam is. I dont understand why Wells Fargo would let one of their longtime customers just eat the cost of a scam. I understand I need to be responsible with my own money, but there were too many red flags for Wells Fargo not to catch it. I was robbed and Wells Fargo is going to just let it happen.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was currently married to XXXX XXXX XXXX XXXX we havent filed for divorce but I was kicked out from my mailing address in which my EDD benefit payment debit card was sent but unfortunately my ex-wife decided to activate it and spend my benefit payment and lied to me about it not arriving yet called Edd they informed me card was activated on XXXX of the month XXXX. Very stressful and frustrating because I have no job I live in a hotel and shes keeping my money from me that is fraud and I wish to report this because its been very hard for me to get through with no job and no money now I need to find a way to transfer that money to my personal account and thats going to take more time for me to see any benefit payment balance was XXXX now it is at XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Reason for complaint : We have a trust account with Truist Bank which includes a checking account, savings account and debit/credit card. As of Sunday, XX/XX/XXXX we have not been able to view our account balances and activity. As of this writing, XX/XX/XXXX, we are still unable to access our accounts through the Truist app or by going to their website, Truist.com. I was unable to contact anyone person or department as the bank was closed on Sunday and the recording said their business hours were from Monday to Saturday. We were not aware of this and we could not contact the bank in case of a need on Sunday for assistance. 

On Monday, XX/XX/XXXX, I contacted Truist customer service to find out why I was unable to access our account. After being transferred several times, I was told our accounts were blocked however no one was able to tell us why and we were directed to contact the local branch of Truist as they were the only ones able to correct this. We contacted the branch of Truist located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida, XXXX on XX/XX/XXXX and spoke with XXXX who is the Branch Manager. I was told that the account was blocked because there was a system update over the weekend and some documents were required by the bank before we could access the account and that we must come in to complete and sign this document. We went home to complete the 4 page Trust Certification along with copies of our drivers license and personally delivered this to the branch on XX/XX/XXXX. We were also told that we MIGHT be able to have access by Friday. 

This account was renamed as a trust on the advice of our attorney in XXXX of XXXX and owned individually prior to that for probably 2 decades. At no time were we informed that this documentation was necessary nor we informed that the accounts would be blocked. All of this could have been prevented if we had received communications by text, email, phone or mail that the document was now necessary. Had this occurred we would have gladly obliged and completed the form prior to blocking access to our account. If this type of action by the bank was not illegal or regulated, it should be! Banks should not be able to take this type of action without informing the customer in advance. 

I have had interaction with this Truist Bank branch personnel previously and customer service ( and attitude ) is non-existent and remains so to this day. 

We are very concerned and worried since we are unable to see balances and activity in these accounts. Everyone is told to monitor their financial accounts frequently and report any unusual activity to the financial institution. Since we are XXXX seniors and for us it is important that we keep track of what we have since this is all we have! 

Still waiting
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NJ)

This complaint is a followup to XXXX. There were errors and omissions in the bank 's response to me. This complaint is on those errors and omissions. 

XX/XX/2020 XXXX XXXX Assistant Vice President, Executive Services Sun Trust now Truist XXXX XXXX  XXXX XXXX, VA XXXX Re : Everyday Checking Account ending in XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX Federal Deposit Insurance Corporation ( FDIC ) Case XXXX North Carolina Commissioner of Banks ( NCCoB ) File XXXX Dear Ms. XXXX, While I have already spent more than an intended amount of time on this matter, I would like to continue to address the important points of my complaint that were either omitted or incorrectly characterized by your response letter, dated XX/XX/2020. 

To facilitate review I have now enumerated the errors and failures of Sun Trust Bank now Truist. 

1. You now state that my account was suspended due to high risk suspicious activity. You do not state the nature nor the details of the suspicious activity. 

2. You state that upon further review and verification of the transactions the suspension was removed. 
You do not state the length of time it took to remove the suspension nor do you state why the reactivation email sent to me by Sun Trust failed to explain the suspension and reactivation. 

3. In reference to contact information you discuss how this is achieved once you sign in. However you do not explain how this can be done if you can not sign in. This is what happens when the account is blocked. You can not sign in. 

4. You have omitted the issue of Sun Trust now Truist not having a contact written reference on a website or even a postal address. You have provided no solution for written contact correspondence to Sun Trust now Truist. 

5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review. 

Sincerely, XXXX XXXX Copies to : Consumer Financial Protection Bureau Federal Deposit Insurance Corporation North Carolina Commissioner of Banks
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WI)

I filed complaint # XXXX-XXXX  with " XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX responded with an offer to make catchup payments for my mortgage which was what I asked for! This is good, except before I could make any payments they sold the mortgage to : " Fay Servicing LLC '' XXXX XXXX XXXX XXXX XXXX, TX XXXX I was sent a payment coupon stating {$47000.00} would bring my mortgage up to date. 
the payment would have to be received prior to XX/XX/2020 to not incur more fees! 
I sent My Check # XXXX for {$47000.00} dated XXXX along with their coupon. I have been calling Fay Servicing about the check due to it not having been cashed. I have called several times but today XX/XX/2020 I was told they received the check but would be sending it back! Why? I was told they do not have to honor the repayment schedule. 

Check was mailed to : Fay Servicing , LLC Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX I am now back to square one. This is a total scam! What can I do? 

HELP!
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (IL)

In XXXX Navy Federal raised my interest rate stating that they never received a POA form I sent in 3 times for the lein. I sent the form in a 4th time with tracing and signature confirmation and 3 weeks later was told it was still not received. I finally sent a system message with screenshots of the signature and name that signed for it on XX/XX/2022. 
I also ran into financial trohble and was approved to move 2 payments to the end of my loan before I was ever late. My XXXX and XXXX payment was to be moved and I would not have a paymenbt until XX/XX/2022. I made my payment on that date and a week later my payment exension was reversed and {$780.00} was taken from my checking account without any notice on XX/XX/2022. I called in and the payment was reversed and I was told that they are working to put the extension back on my account and remove the late fees added. 
Fast forward to today and the issue with my loan account isn't fixed and the money came out of my checking account again. 

I have called Navy Federal many times and have been told everything is being fixed but they keep taking money from my checking instead of fixing the problem. I need this resolved ASAP!
Consumer complaint received 2020-06-13
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. (TX)

I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
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. (TX)

My XXXX account was issued by XXXX. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to XXXX  to update my credit report accordingly. The XXXX XXXX account still shows Derogatory on my credit reports and was paid over two years ago.
Consumer complaint received 2023-05-26
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. 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, 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 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

My account was placed in a forbearance during the time that Fedloan Servicing reported late payments in XX/XX/2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in XX/XX/2017specifically, XXXX, XXXX, XXXX, andXX/XX/2017.