davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OK)

XXXX Sent {$700.00} credit card payment to U.S. Bank XXXX U.S. Bank only credited my account {$100.00}. 

{$100.00} applied left a balance due which incurs an interest charge, instead of {$700.00} that covers total balance avoiding interest charge. 

XXXX XXXX Received new bill and caught error. Called U.S. Bank, rep. XXXX who advised since posting matched amount my bank deducted from my checking account nothing can be done to avoid the interest charge. I won't pay interest for their error. Please help.

1
Consumer complaint received 2019-03-26
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. (NY)

The information showing below is falsely reporting on my credit. 

1 ) XXXX XXXX Acct XXXX XXXX -- - {$XXXX} 2  ) XXXX XXXX XXXX Amount {$XXXX} I   complained to the FTC. My FTC Complaint Report # XXXX
Consumer complaint received 2019-03-26
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. (NY)

The information showing below is falsely reporting on my credit. 

1 ) XXXX/XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # XXXX
Consumer complaint received 2018-10-17
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. (VA)

I disputed a medical bill from XXXX XXXX XXXX on XXXX and Equifax credit reporting agency because I don't recall owing that debt, the medical bill was removed from XXXX but not from Equifax to date which is negatively impacting my credit score. Amount : {$110.00} and original creditor : XXXX XXXX
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

I have been trying for weeks to get my account in order. PNC bank is ruing my credit and causing financial harm to my credit and family!!!! I was hung up on and denied my account information for over a week. I have been denied a loan because of the inability of the bank to provide needed docs for me to complete the loan process. I am suffering from from every angle. They have XXXX managed funds in my account my account is all over the place. I can not get access to my account as need or deposit or pay bills in time due to this bank! I did not ask for this buyout from bbva to pnc. I am suffering financial i loss and this is a huge injustice! I am a single parent they are taking from my family and causing harm that is unwarranted and would not have happened to me of my account was not interrupted by this bank transition. I need help Im looking for legal representation at this time.
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I have tried to dispute the validity of the loan with Navient and was declined in XX/XX/2017 then today showing on my credit report just 1 of the multiple loans increased over {$600.00} and no explanation.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I attempted to pay my chase card payment when I moved from XXXX to XXXX, Florida. Previously. After being sick with COVID I was able to make a payment and drive to the ATM but my PIN wouldn't work. It turns out that when I got my new debt card the PIN number was never sent to me. Freaking out because they payment is due they were not able to issue me a PIN because I had just changed my addresses and would have to go into a branch. The next day after the payment was due Chase reported my account as 31 days late. 

I had moved to XXXX to pursue a better job opportunity and I sent Chase a certified letter explaining that I had no idea that my PIN would not work. I had to go after hours to deposit cash in the ATM and I could not do it during business hours. I don't think this is fair and Chase did this to set me up. I will be speaking to my lawyer about this but I want the adjustment done to the credit report as it was their fault I for not sending me a PIN or making me aware when I got the card that I had to go into a branch to get the number. 

Chase needs better transparency with how their system works and actually care about their customers and their needs. I also feel that I am being discriminated against as if I was not a member of the XXXX community they would work with me.
Consumer complaint received 2022-08-26
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. (GA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX  XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have had trouble with navient for quite some time. I don't know if I'm one of the people that has been hustled from them but I know my time with them has been a struggle. This past winter they took out two payments and I had to go through hoops to get a payment back. They even tried to say that they have no record of it. Their information they gave me over the months was very inconsistent. They changed my payments without telling me as well. I was paying {$40.00} a month with such high interest that nothing was getting knocked off my total debt. They recommended this much for me and told me that with the income based debt deal, the interest would go down and it would make a small dent overtime. But my bill kept getting higher and I didn't know how. But as I said they changed it without telling me to XXXX a month based off the same income that I had before and didn't have a good reason as to why that's the lowest they can go. I feel like my total amount due should be much less than it is to this day and they somehow screwed me. I'm also angry that they're taking {$100.00} a month and it doesn't seem to be doing much. I complained about them not telling me and they gave me a bunch of excuses and didn't give me good reasons to anything.
Consumer complaint received 2022-07-21
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. (CA)

I received a phone call From XXXX ( XXXX ) XXXX stating that someone had applied for a XXXX XXXX card in my name. I checked my credit report and saw the inquiry but i did not do the application. They left a message telling me to call ( XXXX ) XXXX and upon speaking to them i did give them my social security number to verify the account. They said it was denied and that i should get something in the mail. Later i googled the number and saw it associated with a scam likely forum. Im now very concerned for myself and my credit as i gave them my social security under the impression that it was XXXX XXXX card services.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (GA)

The date was XX/XX/2020. The loan amount was XXXX. That included XXXX for the purchase of the car and the remainder of the loan was for Gap Coverage Insurance sold to me by the Credit Union. The Title of the car was given to the loan officer for approval of the sale of car. I and the seller both signed the agreement and the loan officer retrieved the document. 
The Loan Officer is telling his superior associates he gave me the Title Document for delivery to the Department of Motor Vehicles office in the state of Georgia. I would never agree to that. I am not familiar with that process and would not be comfortable with that process. We are in a state of a worldwide pandemic. 
On XX/XX/2020, the car was stolen from the XXXX XXXX location awaiting consultation for repair. I had full coverage on the car with XXXX XXXX. XXXX XXXX is denying coverage because the Title was never transferred to my name. I never owned the car. 
That puts me in an uncompromising position because the Loan Officer failed to deliver the documents to the Department of Motor Vehicles office in the state of Georgia. Now I have no car and no coverage. I did everything that was required of me. I even elected to carry the extra Gap insurance. There was nothing left for me to do further. 
The credit Union is holding me responsible for their error by continuing to charge me for the automobile Loan plus interest.. They are reporting bad credit to the credit bureau and that is not lawful. Please help with this matter. Thank you.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2021 I filed a fraud claim with TD Bank. 
I had a very horrible experience with a scammer. 
They texted me a text with TD Bank Insignia telling me fraud may have occurred on my account to answer yes or no whether three recent charges ti my account were mine. 
I answered No and a man called me telling me he was from TD Bank and that money had been stolen from my account. 
The man immediately called me back. 
He told me it was urgent we act quickly to stop the fraud and needed my username to verify my account. 
He told me as we were speaking that the scammers were stealing my money. 
He told me he would send me a a text with a code and I should give him the code to verify my account. 
I did and he told me that he was going to reimburse my money immediately. 
He stated that the only way he could reimburse me was to refund the money in the same manner it was stolen in {$200.00} amounts. 
He sent me one code at a time and said {$2400.00} had been stolen and he would need to make 12 transactions. 
I gave him the codes as requested when texted to me. 
I became suspicious after 4 transactions and asked for his name and that I would call him back. 
I tried signing into my account to contact TD Bank and was locked out. 
I called Td Bank fraud and they said said it was definitely fraud and locked my account they stated they transferred money from my business account to my checking account and set up XXXX stealing my money. 
I went to my local branch in 15 minutes and set up new accounts. 
XXXX the branch manager and I filed the claim. 
It was denied stating I provided my code, which is unfair, I was tricked and pressured and deceived into giving the codes. 
I appealed and was told to file a police report which I did losing 2 hours of work. 
Then today I called and was told my claim was denied again due to my giving the code to the scammer. 
This is outrageous I am a small business owner. I was scammed and tricked into giving the codes believing I was talking to TD Bank. 
I am now losing {$2400.00} given TD Banks refusal to reimburse me.
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-13
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: Entrata Inc. (NJ)

My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-06-15
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)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Credit customer service are unprofessional. They do not assist with customer 's complaints and issues. They charged my credit card with fees and high interest rate. My credit card limit was {$3.00}. They charged me {$1500.00} with fees and interest. I was trying to pay them {$150.00} a month but they kept on charging me more and more. The credit card was use in the amount of {$2400.00}. They closed my credit card account and has reflected in my credit report/score. I do not owe the amount of what they are charging me. I have contacted the about this issue and they won't help me.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Automated Accounts Management Services (ID)

The debt in question being sought after by AAMS was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my XXXX XXXX that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NV)

In XX/XX/2022 I opened a checking account with XXXX XXXX and funded the account with {$10000.00}. From my XXXX account I sent another institution {$9600.00} to buy stocks/crypto. On XX/XX/XXXX XXXX reversed {$2000.00} and froze my checking account for no reason. For the past XXXX weeks they won't even talk to me, and when I call in they just tell me they'll be in touch. 
In the meantime the other institution I sent the fiunds too also froze my account on XX/XX/XXXX because I bought stocks/crypto before XXXX reversed the charge. Since then the market has dropped 50 %, so not only are both my accounts frozen but I also lost half my money because I'm unable to place a trade. This is my entire life savings and because of XXXX I now lost half of it. Not to mention I can't pay any bills, I can't buy food or gas etc, I can't survive! 
Today is XX/XX/XXXX, now going on the XXXX week and XXXX stil has my account frozen and won't speak to me. I would like my account to be unfrozen IMMEDIATELY, and also compensated for the money lost due to XXXX negligence. 

Please Help! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

On XX/XX/2022. I paid FedLoan {$25000.00} which took my {$53000.00} loan amount down to 28,000.00 which the FedLoan app showed once the payment was received. The very next day the app show a balance of {$38000.00}. I called to ask about my payment and when my money when. I was told they didnt know where to apply the money for my loans to. The lady ask me if I wanted the money applied to my loans or the interest? I stated all of it should go to my loans. Now my balance is {$32000.00}. My balance should be {$28000.00}. This is fraud. Its illegal.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I've been trying to get Modification but my servicer has changed 4 times since XXXX. XX/XX/XXXX I made a payment of {$1500.00}. to XXXX than XXXX XXXX changed my account number and said I would be assigned a new Servicer shortly. My account number was changed from # XXXX to XXXX.My lender also sold the loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX than XXXX notified me that my New servicer would now be Select Portfolio Servicing and my new account number is now XXXXEach time I filled out all my paper work and was supposed have a trail modification sent out to me they switched and than tried to state that I did not give all the required documents. I was paying {$3200.00} for 5 months in XX/XX/XXXX to XXXX XXXX who sold my loan to XXXX XXXX than to XXXX along with all these different Servicers how can they say my payments were even correctly transferred with all the different loan numbers.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opted into a 0 % promo APR on a credit card, at the time had automatic payment set up for the entire statement balance - after that payment came through switched to just the minimum payment, and 2 months later received a 'minimum interest charge ' on my statement, yet the " Interest Charge '' Table in the statement showed {$0.00} balance was subject to interest. 

Actually, all values on the table are {$0.00}, so the information is completely incorrect. Spoke with a representative about why I had a charge, she was kind and patiently sorted it out. Because I had made purchases before the autopay of statement balance was paid, there was a {$25.00} minimum payment applied to purchases subject to 0 % APR, and not those prior to the promotion starting ( in other words, they applied the first {$25.00} to the 0 % purchases ). This is a common practice, but seems also deceptive in its own right ( intending to cause financial harm ). The agent said they would waive the fee, so I am happy with that part of the resolution. 

The bigger issue here is that every statement includes misleading or incorrect information about balances subject to interest charges. This needs to be fixed. If I had seen there was still {$25.00} subject to interest I would have paid it off immediately, and I can only imagine how other customers are being affected by this erroneous data.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Credit card payment was due on XX/XX/XXXX. Made payment on XX/XX/XXXX @ XXXX ( CST ) and acknowledgement was dated XX/XX/XXXX. Payment confirmation number : XXXX. The credit card company ( Capital One ) then charged me a {$27.00} late fee. Since payment was made on the date required, no fee should have been charged. Reached out to bank, but they stated that their deadline for payment is XXXX Eastern Standard Time ( XXXX CST ) .In other words, they do not give customers the full day to make the payment. ( Persons on the West coast would have to pay by XXXX or have extra fee charged )