davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Description of Complaint : Banking online - Appearance of commingling of personal and business checks. 

This is a formal business and personal complaint against Citizens Bank. I have a personal checking and a business ( XXXX XXXX, XXXX ) checking account. My personal account is quite active, my business account has very low volume. My complaint is that Citizens Bank has merged the appearance of the business and personal checking accounts. Online banking checks written on my personal account, come out of my personal account, but appear to be written on my business account. 

This means my charitable donations, wedding gifts, electric bills, etc appear to be from my business account, not my personal account. The potential tax consequences are obvious. ALL online checks written for personal use have had a business caption. Their solution was to have the business checks appear to be personal. I can not be the only person with both business and personal checking at Citizens. I only stumbled across this problem recently, but it has been going on for a long time. I have been a customer of Citizens or its predecessors for over 40 years. The customer care and problem solving by the corporation is profoundly disappointing. Their solution makes it appear that I have commingled my personal and business finances. 

For example, a personal gift to a relative appears to be written from my business account, but was written from my personal account. The relative thought I was paying from my business, to get a business expense. The name and address on the checks should be EITHER the business or personal. Citizens only allows one choice shared by both business and personal accounts.
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with XXXX XXXX  has been disputed on 4 occasion since XX/XX/2021 ; however, I have not received any correspondence for them. The credit bureaus has not been able to validate this account. There is a lot of inaccurate information reported to this account that is hindering me.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (VA)

My original loan was sold to Flagstar Bank. Since then, Flagstar has been adding fraudulent late fees on my account. I called about it and was told they would remove it and its still occurring. It started months ago when my escrow fell short. I had the option to pay the difference or have the mortgage go up to make up the difference. I attempted to pay the difference using their online system but they said the payment didnt go through because either the account number or routing number was wrong. Once this happened they sent the payment attempt ( which was optional ) to collections and I had a collections department call me about less than {$50.00}. Since then, theyve assigned a fraudulent late fee to may account that is rolling over every month and causing more fees. Ive never been late on a mortgage payment and use the same bill pay Ive always used. When I spoke to a rep, they said my payments have been on time. This escrow collection and late fee is erroneous and attempt to financially penalize me despite never being late.
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (WA)

Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account XXXX an email to contact Optimum Outcomes to correct the error.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

UPDATE PROFILE. 

DELETE THIS ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, NY XXXX. 


DELETE INFO IN EMPOYMENT DELETE NAMES : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I wired XXXX to a jp chase Morgan customer for a deposit on a vehicle. A few hours after the wire we figured out it was a scam and did a wire recall thru my XXXX XXXX account. I notified chase Bank as well and filed a fraud claim. Chase bank has refused to recall tge wire or help in the recovery of the funds. They refuse to give us any information to help recovery the funds.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Issue 1 : I am currently enrolled in an income-driven plan that was handled in XXXX XXXX under Navient. After having another loan recently come due in XXXX XXXX I completed the necessary paperwork to add in the loan all while still continuing to pay XXXX separate loan payments. It was n't until I called this morning that I was told the loan is not eligible to be added in because I missed the 180 day deadline. My option was to complete an entirely new income-driven plan to include all of the loans once again. 

Issue 2 : It was to my understanding that the last loan was not supposed to come due until XXXX XXXX. However after logging on to my account in XXXX XXXX the loan was prompting for a payment due. This is what prompted me to complete the additional paperwork to add in that last loan to my already existing income-driven plan. After just getting off the phone with a representative she made mention hat my loan was not due until XXXX XXXX. When I made the remark that I was paying the loan because my account reflected it being due along with past due notices she acknowledged the account did say that but could n't deliver a response as to why. She placed me on a brief hold and I was told a " research investigation '' has been issued to explain why this loan was prompting me for a payment when it is not due until XXXX XXXX.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

I got scammed by phone with my discover credit card, they took my card information and took XXXX from my account, its been 3 years I filed police complaint, and told the discover card company about it but they keep telling me you have to pay for it, so im in bad situation since then looking for lawyer to fight for that, and credit repair company to help me out of this problem, so please help me out asap. I have also police report with me, so please help me out asap thanks, ..
Consumer complaint received 2021-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VALLEY NATIONAL BANCORP (AL)

Valley National Bank is trying to receive additional payment from a debt I have already paid on the mortgage my mother had she is now deceased due to covid. I paid and closed the account XX/XX/2020. They continue to send letters and harassing calls saying I still owe them because I was a cosigner. I explained to them I have my bank statements showing where I paid the balanced my mother owed. Her mortgage was {$830.00} but she had additional fees charged to it. The total to close the account was {$980.00}. I paid it and again they continue to send letters and call harassing me for payment and have now went to collections. Any help would be appreciated. Thank you.
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Directed to obtain Deferments or Forbearances causing the interest attached to the original loan to be almost as much as the original principal. 
Original Loan Amount : {$50000.00} Interest and Late Fees : {$37000.00} Total Owed ( so far ) : {$87000.00} I was mis-informed and ill-advised on my student loan. After numerous years of deferments and forbearances. These are " loan Shark '' rates. 
Additionally, when Navient took over for Sallie Mae, there must have been some type of miscue because according to Navient I was delinquent several times which in turn was reported to the Credit Reporting Bureaus. This is a result of the switchover, not me.This is causing harm. I was appling for Deferments and Forbearances, even though ill-advised, there is no reason for the delinquent reporting. It is an error on the new Navient servicing company. 
Conversations on XX/XX/2020 both in online chat and the telephone with Navient representatives proved unfruitful. I requested to that late charges of {$780.00} be removed and the erroneous reporting to the CRB 's be updated and removed. 
The remedy I seek currently, eliminate interest charges, late fees and restore my good name on my credit reports. There are other issues I will take up at a later date.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (TN)

Filed claim # XXXX for {$600.00} on XX/XX/2021 to Suntrust Bank for XXXX transfer that was sent to fraudulent person/company. They denied and closed the claim XX/XX/2021 and told me to contact person directly which I did numerous times with no results. I filed police report online with no results either.
Consumer complaint received 2021-02-17
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)

At least 15 different accounts is inaccurate and fraudulent. Also, all three bureaus show different information with confirms my statement under the Fair Credit Reporting Act. I have documentation which lists which account or inquiries are to be removed. I have also sent papers to each of the credit bureaus to have this removed and investigated around XX/XX/2021.
Consumer complaint received 2019-05-01
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. (OH)

Below is the list of companies that I contacted due to the enormous amount of unauthorized inquires that is on my credit report. I contacted these creditors only for them to tell me that there is no open credit card in my name and they do not see the inquiry on there end and for me to dispute it with the credit bureaus. I disputed all of the accounts listed below with the 3 credit bureaus ( transunion, XXXX, XXXX ) all of them came back as verified. The cra 's DID NOT VERIFY anything because I  talked to all of the companies before disputing. The inquiries are fraudulent and I want them removed immediately! This is my last and final attempt to resolve this issue before obtaining legal advice. These unauthorized inquires is a strain on my credit and I am in the process of looking for a home. Do not send me some pre-made letter again stating this was verified because that is a lie! No one from the cra 's called any of the creditors to validate this information because they do not have it in there system. I have listed the names and phone numbers of the creditors to contact concerning these erroneous accounts. Here are the inquiries that need to be removed immediately : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Contractors ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX  XXXX   XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (KS)

XXXX XXXX Credit Card through Comenity Capital Bank. 
This card was opened fraudulently by my ex-wife ( without my permission ). She charged over {$2000.00} right away. I tried to keep up the payments when we divorced but the finance charge of 30 % and the monthly penalty charges made it impossible to make any advance on the balance. The bank has more than doubled their investment and all the balance is now is finance charges and late fees. I feel this bank is a " payday loan '' facility in the astronomical charges and fees. I tried to work out a deal with a flat fee and they are not interested. I feel this company needs to be investigated. 
Thank you
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I obtained a loan online from cash net USA and after several repayment costs were withdrawn from my bank account I raised concerns about the payments not being subtracted from my overall balance even tho they were paid, I could not get in touch with ANY employees from the company. I worked with my financial institute for several weeks and after not being able to get in contact with anybody my bank was forced to stop payments and the company sent the balance to small claims court. I still have not been able to reach anyone from the company only a lawyers office threatening to serve me at my place of work if I did not pay electronically a total of {$3000.00} immediately of the {$1500.00} payday loan received. The payments made have still not been taken off of the total balance of the loan at this time.
Consumer complaint received 2020-02-20
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: CITIBANK, N.A. (TX)

I received an email from Citi XXXX XXXX offering to raise my credit limit with no impact to my credit score. I proceeded with the link in the email and they raised my credit limit then asked if I would like an even higher credit limit and if so how much. I put in XXXX and hit submit unbeknown to me this request in fact did pull a credit report and put a permanent hard inquiry on my report.
Consumer complaint received 2020-02-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: A & O Recovery Solutions, LLC (CA)

On XX/XX/XXXX, I got 3 calls from 2 different numbers from a debt collector called A & O Recovery for a place called XXXX. I advised it was XXXX XXXX and hung up. The lady called twice and threatened a wage assignment and i asked her to call back at the legal time. I have never received any mailing or documents stating i owe a loan or even who the company is but Im being threatened for a wage assignment. I dispute this debt as i never had a payday loan.
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC (GA)

My car was repossessed. The lender did not let me know what will happen to the car. State law requires them to tell me when it will be sold at public auction, state law requires that the creditor tell me the time and place of the sale so that I can attend and participate in the bidding.If the vehicle will be sold privately, I had the right to know the date of the sale.Georgia has a consumer protection law that allows me to reinstate my loan which they denied. The creditor failed to resell my car in a commercially reasonable manner. I plan on claiming against this creditor for damages or a deficiency judgment. The creditor tkept or sold my personal property ( a new car battery, a XXXX bbq grill ). The creditor did not tel me what personal items were found in my car and how I can retrieve them. The creditor didn't use reasonable care to prevent anyone else from removing my property from the car. This creditor cant account for articles left in my vehicle. After I requested them remove the repossession form my credit, they sent me letters to try and be in conformity with the law. My XXXX credit report reflects a closure date of XX/XX/2017.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (MD)

I signed up for a XXXX XXXX  membership thinking it will be fun, and I and my family will have a great time. It was the worst experience ever, so, I sent an email with a complaint on how awful our experience was and asking if please I could cancel my membership as I would never be coming back. They apologized and told me my account was in good standing, so, they would go ahead and cancel my membership. ( I still have the email ) I was happy and never heard from them again. 

Months later after all this, an account collection appears on my XXXX  credit report from MidWest Recovery claiming to try and collect my debt from XXXX. To this point had no idea I was in collections, and I have never heard from MidWest before this. I went to dispute it with XXXX  right away told them my membership was canceled or at least that is what XXXX told me, and that I had no idea why this collection account was being added to my report. The said they investigate, and just updated the amount of the debt. How can I still have a debt for a membership XXXX  claimed to go ahead and cancel? Why have I never been contacted? Why I have not even received a letter in my mail to make me aware of this before putting something on my credit report? 

Worst customer service on behalf of XXXX, and worst customer service on behalf of MidWest recovery.
Consumer complaint received 2019-07-11
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. (TX)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX  for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX  - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I filed a complaint yesterday and it is available by reference to complaint number XXXX. As of yesterday the problem included not only the hold on {$14000.00} of deposited funds but overdraft charges made to lower my family 's account by over {$9000.00} when we had not overdrawn our accounts and the absurd act involving the back charging one account without crediting the other. In addition, the bank had added an additional charge for {$10000.00} to record more funds being held when we had not made another {$10000.00} deposit. This put my account in the negative to the tune of {$23000.00} and my wife 's account in the negative for a sum over {$7000.00}. 

This morning thebans 's overdraft transactions have been reversed so my wife 's account is in a proper balance but still the bank is holding two deposits - one made in the amount of {$10000.00} 0n XX/XX/20 and another for {$4000.00} made on XX/XX/20. On my original ATM deposit receipt for the {$10000.00} deposit, the schedule for releasing my funds was stated as adding to my account {$200.00} on XX/XX/XXXX ; {$400.00} on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and finally {$5000.00} on XX/XX/XXXX. On that schedule the bank will have held half my deposit for a total of 14 days. On my account checking on line, the bank now says that it will be holding {$9000.00} until XX/XX/XXXX. 

Does the bank have the authority to change their commitment mid-stream and keep holding my money? I am certain that the original check has cleared the issuing bank ( XXXX ) so there is no legitimate reason to keep holding my funds. No one above the branch manager for SunTrust will talk to me about my issues. I have emailed the Executive Vice President of SunTrust, XXXX XXXX, twice but he has not responded. I need your agency to hold the bank responsible t release my funds.