davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

After logging into my banking mobile account I noticed deposits that I did not make ... I immediately bought it to the attention of my financial institution ... After two weeks I called my bank and they notified me that not only were they no longer doing business with me they also informed me that I Would be responsible for all of the fraudulent charges to my account.
Consumer complaint received 2023-04-05
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to submit a complaint regarding my Bank of America checking and savings account that Bank of America closed without giving me my money. I have attempted to resolve this issue with Bank of America a few times but they gave me the run around and didnt help me at all. The following are the details of my complaint : XX/XX/XXXX I XXXX  my brother XXXX {$3000.00}, which my money was taken out. Few days went by my brother calls me and ask if I had a chance to XXXX  him the {$3000.00}. I went to check and my XXXX  didnt go through..i call bank of america and the guy told me to call XXXX  because XXXX  isnt part of bank of america, so i call XXXX  and a lady i spoke to said that the money wasnt taking out for me to call bank of america, so i went and forth. Nothing was resolve they never gave me back my money they took. I attached my bank statements and you can see that on XX/XX/XXXX the XXXX  show completed, XX/XX/XXXX shows fail, and XX/XX/XXXX shows complete. The last two times i XXXX  my brother XXXX XXXX was on XX/XX/XXXX and on XX/XX/XXXX. On my bank statements shows otherwise. I started noticing money was missing from both my checking and savings account. When i call bank of america they said nothing is missing and shortly after that they closed both of my account. I had around {$140000.00} in savings and around {$120000.00} in checking. Somehow bank of america said i was negative and that I owe {$1500.00} to them. I call them multiple times a day and not one person help me. I dont know what to do, i went to the bank and they said i need to call the number on the back of my card. As it went i just lost all hope. I was never getting my money back. I trusted bank of america with my money and they stole money from me and close my account, i couldnt do anything. If you go my transactions nothing makes sense and the amount is incorrect. Its crazy how many transfers theres is. Bank of america owes me XXXX, and {$6000.00} for the XXXX  that they took from me and claim that nothing happen... please help me. I dont know what else to do. Please they have no right to take my money and not tell me what happen then closed my account. I just want my money that they took from me without my consent. Please help.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Hello, I am filing this complaint to dispute the debt notice I received from XXXX XXXX, XXXX regarding the creditor Synchrony Bank. I was notified recently that I owed Synchrony Bank money for a debt that I was told in XX/XX/2023 that was credited in full. I am requesting that XXXX XXXX stop any collection attempts and proceed to speak with their creditor. I am not responsible for any debt associated with Synchrony Bank regarding my XXXXXXXX XXXX XXXX  that the balance was to be updated and credited for. Per Synchrony Bank customer care the debt was to be settled in XX/XX/2023 reflecting a {$0.00} balance on the account. 


Thank you, XXXX XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

In XX/XX/XXXX, I pulled my credit and discovered a tradeline for LVNV Funding LLC/Resurgent Capital Services for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with validation of the debt. They failed to respond. I pulled my credit again in XX/XX/XXXX and their tradeline is still there. I contacted them again in writing demanding they delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They have not responded. 

They did however respond my credit bureau dispute as " verified as reported ''. How can they legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation for the past 7 months? They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. 

This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. I will also be filing a XXXX and attorney general complaint as well as seeking legal action for their unethical business practices.
Consumer complaint received 2020-09-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

A blonde female employee gave me do-not-bother-me attitude and pointed at instead of walking me to teller line. XXXX and another female employee were polite with no idea how to help me, mean while an oriental male employee was minding his own business. 

I received a dormant account notice for a CD non-exist to me. I understood I could be penalized with fees for early CD withdrawal and I had to leave for another appointment. 
XXXX promised to call me back next morning without why and what. Someone opened the CD without my knowledge. 

I did not recall any apology from 4 employees at Santander Bank XXXX XXXX XXXX.
Consumer complaint received 2024-02-15
Product: Credit 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: SYNCHRONY FINANCIAL (NY)

I submitted a dispute in writing with Synchrony bank as in accordance with their billing dispute process and supplied evidence for my case. They initially received it and attempted to process it. I called them to get a status update only to learn they refused to process it because of their errors and insisted I have it reprocessed. They destroyed my legal evidence and made me answer questions all over again as I answered them on paper.My rights are being violated under regulation Z for failure to process a charge back and willful destruction of my case evidence. I want civil and punitive damages pursued as my credit is being abused. My phone is XXXX.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

i sold an XXXX to a buyer who tried to dispute the charges so they limited my account because i was a new user. and i ended up having to fully verify my account with my id and take a selfie i was also told to verify my bank account which i did and i still had to wait 21 days to get my money which i did and my account was fully restored i have all the proof. the buyer filed a dispute which i won in my favor after almost 2 months of waiting on my money. when i finally wont the dispute and tried withdrawing my money paypal would not let me i kept getting error messages which was odd because paypal told me i shouldnt have any problems getting my money since my account was fully verified and my bank account had been verified as well. and out of no where the first limited my account saying that " they need more information to make sure its me '' and " that they do this to protect their users. which is completely XXXX XXXX they literally unrestricted my account a month prior because i had successfully uploaded my id and took a selfie with my id as well as uploading a utility bill. also ive been messaging them for almost two months because of the dispute i was going through now all of a sudden when my money is released they dont know who i am and need to verify? thats insane! after i see this i go to the messege center and the agent tells me to send my id and i did. keep in mind its literally THE SAME EXACT ID I USED TO VERIFY MY ACCOUNT THE FIRST TIME. paypal messages be back saying my ID is fake and that they will no longer do business with me and that they are holding the money for 180 days. when i asked how is my ID fake when its the same one i used to verify my account the first time they did not even reply they simply took the " message paypal '' option off of my account and basically said a XXXX XXXX XXXX to my face!! this is going on the 3rd month that ive been trying to get my money can you guys PLEASE help me im begging you this cant be legal what they are doing!!
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC (FL)

On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received BOA Response stating that they cant remove late payments and failed to call out the CARES ACT, according to this act This CARES Act requirement applies only to agreements made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX OR 120 days AFTER the national emergency concerning COVID19 ends. I called and spoke with the case manager and he advised that the late reporting is Valid because the Cares Act ended XX/XX/XXXX. He calls out my returned payments, I was forced to to set up payments as I received calls threatening foreclosure and hoped to have received payment by the deadline. Made attempts to cancel those payments but was declined. He also mentioned that because hes worked other Covid related cases this is the outcome of the denial. Its apparent that BOA is not doing accurate research on this topic. They are going off what they Think. However the CFPB Terms, calls out there are credit reporting protection of terms of 120 days after the National Emergency of COVID 19. So a 120 days after the end date XXXX XXXX would have been XX/XX/XXXX and therefore late payments for XX/XX/XXXX and XX/XX/XXXX are required to be removed. Ive attached the policy so they CAN NOT reject and DECLINE or tell me incorrect information because apparently they are not following policy and procedure. This is unfair treatment because they are neglecting a National policy. This should be submitted to their compliance and legal team. They are clearly breaking the law. The service that Ive received is unhamane and unjust.
Consumer complaint received 2023-05-17
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. (GA)

: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXXXXXX  without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX  and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX  I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (LA)

There is an address on my credit report that is not  one  of my addresses. It is a Nevada address. I have never lived in Nevada. However I did have credit cards that have been compromised that the address was in Nevada.
Consumer complaint received 2023-05-17
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: Bread Financial Holdings, Inc. (NE)

In accordance with the fair credit reporting act this creditor has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-04-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (CA)

SunTrust mortgage Charged off a 2nd mortgage of {$60000.00} in XX/XX/XXXX. I have credit reports to document charge off status.

InXX/XX/XXXXI asked to have charged off account deleted from my credit report to assist in credit rebuilding. I have a letter from Suntrust Deleting the Trade Account.

SunTrust did NOT release the lien on the property. I am attempting to refinance and being told I must pay back {$55000.00} to clear title.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (FL)

My loans were consolidated in XXXX.I have worked for the federal government since XXXX. 

Public Loan Forgiveness requires 120 payments. I overpaid by approximately 70 payments and am requiring about a refund. 

Mohela is not giving me any information concerning my eligibility for a refund. 

Please advise.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} {$1700.00} XXXX XXXX XXXX XXXXXXXX. XXXX XXXX {$0.00} {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$110.00} {$500.00} XXXX XXXXXXXX XXXX {$340.00} {$2000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} {$1700.00} US SM BUS ADMIN ODA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-09
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: Experian Information Solutions Inc. (CO)

Experian has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX and Creditor : XXXX XXXX XXXX XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX ; XXXX and Transunion are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (TX)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

THIS IS NOT A DUPLICATE OR A TRIPLICATE THIS IS A NEW COMPLAINT ABOUT ONGOING ISSUES THAT HAVE GONE UNRESOLVED. RECENTLY, I HAD TO HIRE AN ACCOUNTING FIRM TO CONFIRM MY SUSPICIONS AND THEY DID. I NEED ALL MY PAYMENTS APPLIED AS WELL AS MISSING FUNDS. I HAVE ALWAYS BELIEVED THAT I WAS BEING PUSHED TOWARDS FORECLOSURE AND ASKED SELENE TO SELL MY NOT AND IT SEEMS THAT IS WHAT IS TAKING PLACE. HOWEVER, I DO NOT WANT TO MOVE TO THE NEXT COMPANY WITHOUT RESOLUTIONS TO WHAT THEY HAVE DONE. I NEED THE XX/XX/XXXX PAYMENT APPLIED, THE XX/XX/XXXX MONEY ORDERS APPLIED AND THE MISSING FUNDS APPLIED WHICH EQUALS THREE PAYMENTS. I OWE FOR XX/XX/XXXX BUT THEY HAVE NOT ALLOWED ME TO MAKE THIS PAYMENT, ALL I GET IS THREATENING LETTERS LETTING ME KNOW THAT I AM IN DANGER OF LOSING MY HOME. THIS NEEDS RESOLUTIONS PRIOR TO MY MOVE OVER!!!!!
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I have contacted XXXX XXXX regarding account XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (AZ)

please reference previous complaint filed - # XXXX this is what i submitted and Wells Fargo came back with a response to a XXXX XXXX XXXX credit card ( # XXXX ) which was paid off BEFORE any interest could be charged so i need to submit my complaint again. I received a letter from Wells Fargo with a contact number and I have left 2 messages so far for XXXX XXXX at XXXX ext XXXX and have yet to hear back from him. 

I opened a credit card with WF ( # XXXX ) with a 12 month introductory rate. I recently noticed that they are charging me 28 % which is more than what they show online for " the worse case scenario ''. My credit isn't that bad so I don't understand why I am being charged the highest rate, even more than what they advertise so I called them The guy on the phone agreed with me and said " I don't know why you are being charged more that what we quote '' and he gave me back 2 months interest but said he couldn't adjust the interest rate. in 2017 I paid almost {$1000.00} in interest! My monthly payment is {$130.00} and {$88.00} goes to interest ... how can I ever pay this off at this rate?