davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (IL)

I have gotten numerous pre approved solicitations from Marcus XXXX XXXX Per their website and XXXX XXXX, I meet all the requirements for approval ( credit score and income ). I applied for a personal loan to consolidate my credit cards on XX/XX/20. Their website states that you will have a response or request for additional information in 1-2 business days. I had to log into their website and check my profile every day to see an update. I had to continuously call for updates and was told that it would be 1-2 business days for a response. By XX/XX/20 I asked for my file to be escalated. I was told they would reach out to me. I called again on XX/XX/20 and was told that a letter was mailed to me and there was nothing they could tell me. Basically my file was declined as soon as I complained. They said they were not able to tell me why it was declined and that I had to read the letter whenever I finally got it. Today I have gotten more emails with pre approvals from Marcus. This to me is false advertising and I feel they declined my application based on my complaint.
Consumer complaint received 2020-08-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WV)

My wife and I are both XXXX  XXXX veterans. While working on my XXXX XXXX, she became severely ill and I had to quit my program to care for her and our XXXX children. I have always been in contact with the creditors. Since leaving my program several years ago, it has been an un-nerving maze with parts of my loans being bought and sold. She is a XXXX female XXXX veteran with an acquired illness during an injury in XXXX. I need to move our family closer to medical facilities to prolong her life. 

Im on an income-based pay system with the loans and with almost no income, have no payments at this time. Multiple reports on all credit bureaus have my loans in collections, late, and other negative reportings. These are all untrue and are keeping my credit score too low to apply for a home near treatment.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened Checking and Savings accounts with Citizens Bank per the {$600.00} promotion sent to me via US mail. The promotion is structured as follows : Receive {$300.00} for the checking account, {$200.00} for the savings account and {$100.00} bonus for both. 

I've followed all terms and conditions, yet Citizens Bank refuses to honor the Savings and Bonus portions of the promotion as the " deposit was not made in a timely manner ''. I attempted to open the account on XX/XX/20, the account was opened on XX/XX/20 after I sent identity verification materials and fully funded, after linking an external account, on XX/XX/20. 

I received the Checking bonus on XX/XX/20, which aligns with the promotion 's terms. After not receiving either the Savings or Bonus promotional dollars, I sent a message requesting the status. I was subsequently told that the " deposit was not made in a timely manner '' per the firm 's " Marketing Department ''. Upon review of the attached promotional flyer and terms and conditions, there is no indication of the amount of time one has to deposit the required amount into the Savings account. Further, by Citizens Bank 's delay in opening of the account, I lost the ability to deposit the required {$15000.00} at the time of opening.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I've been trying to stop the employee 's of this company to stop committing fraud they are all thieves. Yes I'm 100 % sure if they are stealing from me they are doing it to others credit card account I called them 3 weeks ago to close and send me a new account number I speak to one of them I give them my account number 5 minutes later they give me a Different number they can't even be honest liar after liar they can manipulate and change forms papers lie and more. I paid most of my last account money and they added 3 times more debt on top of it instead of amount going lower it went higher how good questions to ask them.
Consumer complaint received 2020-08-17
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. (TX)

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please eliminate this account from my credit report immediately -they failed to so. Proof of collection validation, method of collection verification, furnish immediately the signed contract or remove this account immediately. Collector did not verify, proof of collection validation, " The collector ignored my dispute letter, did not send me anything to verify this and by not responding, agreed that this is an unverifiable account! ''
Consumer complaint received 2020-08-17
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: SYNCHRONY FINANCIAL (MO)

Customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX inquiry date XXXX XXXX  XXXX inquiry date XXXX SYNCB/PAYPAL inquiry date XXXX
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a Bank XXXX America checking account earlier this year. When I saw online advertisement in my area for XXXX dollar checking account promotion I wanted to open a an account. I opened that account and satisfy all requirements, and the bank has Repeatedly agreed that I met all requirments to receive promotion. 

Through my many efforts and phone calls I have not received my credit due. I logged a complaint with the bank, but no one followed up.
Consumer complaint received 2020-08-17
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. (AZ)

I have tried to correct this problem with Experian and I do not feel they have look or helped me. I am a victim of identity theft and have already filed several reports with identitytheft.gov. I have mailed all letters to all credit bureaus and had contacted local PD who have also instructed me to proceed in this manner. 

My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my XXXX XXXX XXXXXXXX accounts. This has caused XXXX XXXX XXXX to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with XXXX XXXX XXXXXXXX. XXXX XXXX XXXX has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by Experian and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress, inability to open another bank account, increased anxiety, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised XXXX XXXX XXXXXXXX has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (TX)

I noticed several inquiries and accounts thats fraud on my account or unauthorized applied to open accounts 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 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 2020-08-17
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)

THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (FL)

Been trying to work with XXXX since XX/XX/20 to start a loan process. Several emails and phone calls have been made to him to start the process of a possible $ XXXX {$75.00} mortgage we discussed back in the beginning of XXXX. He needs " documentation '' and was to send a list of what he needed last month. I have yet to get this and have left two voice mails and several cyber messages and a text. I have yet to get a response. It has been three months. The house I rent is willing to sell and keeps asking. I even have DPA ALREADY approved.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

I recently obtained a copy of my credit report. I noticed a collection on my report from Convergent for XXXX. 1. I was never notified about this debt. I never received any letters or phone calls concerning this debt. I was never given an opportunity to dispute this debt, it just showed up on my credit report. 2. I do not owe this debt.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have spoken repeatedly on numerous occasions with various representatives of TRANSUNION regarding old, outdated or unauthorized inquiries into my file with them and they have failed to delete them as requested. Specifically, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, DEPARTMENT OF EDUCATION on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX each made inquires which I wish deleted ASAP.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

received multiple mailings with official bank of america logo stating i had applied for a cc when i did not i actually then did receive the actual card and i called to close it immediately i never had nor currently have had a BOA account i suspect cc fraud/scam BOA gave me a separate phone number to call with a case number and they will mail me a copy of the " application '' that was never authorized
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. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion and XXXX has reported a XXXX XXXXXXXX on my credit report and has not shown any proof of how and when the information was verified ; state laws clearly states that the XXXX XXXXXXXX bankruptcy courts never report or transfer anyone records to any of the Bureaus for any purposes. This is not my bankruptcy
Consumer complaint received 2022-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

The Money Source shows my account is past due after loan modification was completed. I have been trying to work with company since XXXX of this year to get things straight. 

Here is some background In XXXX of this year I started the loan modification process on my mortgage due to a significant increase in monthly amount which caused me to get behind in payments. During the loan modification process I made two payments to help with my balances Here are the amounts and dates of payments made during the modification process XXXX - {$1800.00} XX/XX/XXXX - {$1800.00} - This payment was returned due to using the incorrect bank account XX/XX/XXXX - {$1800.00} - This payment was made to replace the XX/XX/XXXX payment using the correct bank account I spoke with an agent on XX/XX/XXXX and she advised I did not have to make any additional payments until my modification was completed. I then received my modification paperwork signed it and returned. Modification completed first payment due XX/XX/XXXX. Here are my payments made since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I begin receiving letters that my mortgage was past due. This was not true as I have been making my payment monthly since the modification. I contacted The Money Source and was advised the following reasons by agents as to why my account was past due 1. My first payment after the loan modification went to my past due payment from XXXX. 
2. The payment went toward the payment returned in XX/XX/XXXX After lengthy discussions with several agents internal cases were opened to have the issue corrected only for the special loans department to deny the request. Here are the cases that have been submitted since I begin having these conversions in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested to speak with supervisor numerous times and have been denied each time. The latest to decline to speak with me is XXXX. Here are my questions and issues 1. If my loan was modified and all balance prior to XXXX included in that modification Why do I still carry a balance from XX/XX/XXXX 2. If I replaced the returned payment on XX/XX/XXXX why is that balance still showing owed. An why would that balance be owed if it was an additional payment made while payments were suspended on account? 

This has been a major headache and XXXX is reporting my mortgage as late in my credit report. This company has been a headache to deal with during and after the modification process. My experience during the modification process is a complaint in itself.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

Starting XX/XX/2022, I attempted to move money from my online savings account at Ally.com to another place. Message appeared that funds were " restricted '' so I couldn't withdraw any money. Literally, spent hours on the phone with various reps, none of whom was able to tell me why there were restrictions. Eventually, I was promised funds would be released in 48 hours. 50 hours later, funds still restricted. Eventually, restrictions were lifted and I was able to withdraw my money, but meanwhile I had spent hours on the phone and lost income due to not being able to withdraw my money when I wanted to. Despite my repeated requests by phone and by messaging as to why there were restrictions, I've never received an answer. 
In addition, I had added XXXX to my list of external accounts, had gone through the account verification process ( temporary money transfers from Ally to XXXX ) and the account had been verified. On XX/XX/2022, that account was active ( I have a screen shot showing this, as well as an e/m from Ally ). When I tried to transfer Ally money to that account on XX/XX/2022, the XXXX account was suspended! I still have no logical or reasonable answer, again despite repeated requests, as to why that account was and remains suspended. Ally has told me that the XXXX account number was wrong and told me that i needed to get a letter from " the XXXX '' verifying certain information in order to get the suspension lifted. This, despite the fact that the temporary transfers were verified and the account was active. 
Again, I have lost money due to not being able to transfer money to my XXXX account. 
Unfortunately, I can not attach most documents b/c they contain account numbers.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2022 I received an email through my school email account saying that a professor was offering a research assistant position that would pay {$300.00} weekly. The email said to text the number they provided if I was interested. I texted the number and they asked for my resume and to research certain office supplies. They sent me the list of the office supplies through the professor 's email ( phished ) and told me to create a XXXX form and send it back to them. I sent them the XXXX form and they asked me to check my email for the payroll. I received another email from an individual who works at my school regarding a check. The email told me to print out and deposit the check. Then the scammer texted me asking to send them {$500.00} through XXXX  and that I would be reimbursed the next day. Reluctantly, I sent them the money after speaking to them on the phone and them saying that they will send it the following day. The following day, I looked to see that the check hadn't been processed and was on hold. So I emailed the person who sent it to me and they told me that it was a scam.
Consumer complaint received 2022-11-05
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. (GA)

XXXX and Experian has reported a XXXX XXXXXXXX on my credit report and has not shown any proof of how and when the information was verified ; state laws clearly states that the XXXX XXXXXXXX bankruptcy courts never report or transfer anyone records to any of the Bureaus for any purposes. This is not my bankruptcy
Consumer complaint received 2020-08-17
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: TD BANK US HOLDING COMPANY (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I was requested to provide proof of insurance for a commercial trailer and have done so multiple times starting about XX/XX/2020. On XX/XX/2020 the lender placed additional insurance with a deductible of only {$200.00} and a cost of {$4400.00} for one year of coverage and added the balance to my loan when they only require a deductible of {$2500.00} and shouldn't need this added insurance anyway. I'm now trying to both get the deductible increased until I can just payoff the loan but can not get any assistance with this from the lender or the insurance company.