davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XXXX I opened a joint account with my niece who was at the time in college. When opening the account only document I was asked for I was a signature card. Provided. We used the account without issue for XXXX months Im estimating until the account was locked and we couldnt move $ out of the account anymore. During this time my niece who was in another state was impacted by a hurricane and due to lack of available funds lost her apartment. I called only to determine that USAA needed identification documents for my niece. We provided what they requested but the bank had an address linked to my niece that was associated with her father therefore the proof of residence would not validate even though her ID matched her lease agreement. The bank would also ask us for documents without giving detailed information for example they requested an ID & her social security card but failed to inform me that the back of the item was also needed. This went on for approximately another 6-8 months until I could no longer fight with the bank. Currently there is approximately {$1500.00} in the account. The last time I was asked to provide documentation was XX/XX/XXXX and it was provided at that time. My account is still locked. Early on when this began I called once and told them that I had a hold on my account and whoever I spoke with just lifted the hold and at that time I thought it was resolved so I only took out what was needed not the entire amount, regrettably. In XX/XX/XXXX when I spoke with a supervisor about this & she modified the address for us to provide the proof of address we sent in the last document and still nothing. I personally funded my nieces direct deposit because I felt guilty and now Im at a loss. On that call XX/XX/XXXX I asked if what we provide is not satisfactory how long will USAA take to close the account and relinquish the funds I was told 60 days. Here we are 2 years later and the account is still in the same status USAA has held onto my money without regard for how impacting this is. 
Last 4 of the account # is XXXX XXXX {$1400.00} Last transaction XX/XX/XXXX
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (VA)

I received a credit card offer in the mail from Fidelity, in XX/XX/XXXX, for their credit card Fidelity rewards Visa signature card. The offer stated the credit card had 0 % on purchases and {$150.00} cashback when I spent {$1000.00} in 3 months.I applied for this credit card and was approved by XXXX. 
I sent Fidelity photocopy of this offer twice, but have not been successful in convincing them to apply this offer to my credit card.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

My account was compromised. XXXX $ from a company called XXXX XXXX XXXX  overseas.. the bank gave a provisional credit and said they say there was an error and the provisional credit was final. Then reversed the credit and took the money back
Consumer complaint received 2019-07-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though XXXX XXXX was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently. 

THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (TX)

My complaint is not with XXXX or the loan in itself. There was a lawsuit with American Financial Benefits Center, which I was told was taking care of my student loans by consolidating all my loans. They were helping with my paperwork. I was enrolled in their programs and then found out that it was a scam. I've been with this company since 2015. That is when I enrolled with American Financial Benefits because I believed they were consolidating everything and putting me on the Income Driven Replacement program where If I made 120 qualifying payments then I would be able to have a portion or the rest of my student loans forgiven. It was brought to my attention by XXXX that it was all a scam. If been making my payments to them instead of directly to XXXX. I do not have a tallied amount up of how much money I have paid this service provider but I would like to know what steps I can take. I should have made more than the 10 qualifying payments that XXXX currently states I have made. I have no idea what I should do next. I believe it was a scam.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

On XXXX XXXX 2015, US Bank rep. XXXX telephoned me and said my business account information was found on a known cyber-criminal USB drive, and an individual who was a target of a scam had my bank information and was instructed to pay $ XXXX account fraudulently. I explain I had " NO '' knowledge of what he was talking about and that it was the first I heard of it and there were no irregular deposits into my account as he could verify. He told me they would close my all my accounts and wire my funds to another bank, which they did on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 they reported XXXX " Report For : SUSPECTED FRAUD ACTIVITY ''. This reporting caused XXXX banks to close my account until I can clear the matter. I can not open a bank account anywhere because it appears like I was the one who committed fraud. Instead of someone illegally had my account information on a USB drive and No single person put any unidentified money into my account ever. I have been a victim of identity theft for my business, yet they attached suspected fraud to my social security number. Now I am Blacklisted a Fraudster, with their unfounded character assassination.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

XX/XX/19 I am unable to get a customer service agent on the phone. When I call, there are adds for : 1. XXXX XXXX, 2. services for people over the age 60 3. a XXXX credit of {$100.00} when I decline all- I am put on hold and a customer service agent never picks up. This is not fair and unethical and immoral. I am a slave in the machine that manages to keep me on hold long enough to run out of time, air and the will to participate in the great democratic process that founded this Country. 

I have been paying this debt for over 10 years, I do not qualify for debt relief because I was lead to believe that consolidating my loan would benefit me. It was a lie. 

I don't need a special counsel investigation to tell me there is collusion between Washington and big banks. You guys rot. I am going to spend my retirement advocating for people to not pay back their student loans, that's the only way to the negotiating table. 

Also, I would never encourage anyone to follow me into public education. Your agencies have figured out that we are sitting ducks. The largest union in the Country and through one loop hole or another you have counter fitted the people serving this great nation. I don't need an orange headed XXXX who makes his living cheating the system to represent me, he represents offices like yours.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: EQUIFAX, INC. (CA)

I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (CA)

I have a bout 2 late payments with EXETER FINANCE on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of XXXX. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I consolidated my loan back in XX/XX/2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.
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. (MO)

TO WHOM IT MAY CONCERN I LOOK AT MY CREDIT REPORT AND SEE WHERE MY NAME HAVE BEEN USE AND I BEEN DISPUTING THE INFORMATION WITH TRANSUNION SEVERAL TIMES AND THEY NEVER SEEN ME ANYTHING IN MAIL SAYING THAT THE ACCOUNTS WAS VALIDATED. THE ACCOUNT IS NOT MINE AND PLEASE HELP ME.
Consumer complaint received 2019-07-11
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 filed a complaint with Experian about XXXX XXXX XXXX they buy disputed debts which have not been proven and try to collect the full amount. Third party debt collectors are not creditors and should not be allowed to report to the credit bureau.
Consumer complaint received 2018-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

This is our first month in our new home. My husband has been sending payments to Loan Depot weekly to take some of the sting from the new mortgage payment. 

I received a returned check back, so we called to find out the issue. They applied the first {$1000.00} we sent straight to principal, returned the second {$1000.00}, and are in the process of returning the final {$1500.00} because each payment was less than the {$3500.00} due. 

Now, because of the back and forth, there is a chance our first payment ( which, in total, was sent on time ) will be late and we may be charged over {$100.00} for the late fee. We have to wait until Monday to receive all the funds back, just to send them back again ( by Tuesday ). 

I work in the XXXX XXXX XXXX, so it is news to me that any lender could return funds and not just apply them as received.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I do not owe a debt to this servicer and I do not know who this company is representing XXXX/XXXX  XXXX. Any money owed to XXXX XXXX has been paid to XXXX XXXX XXXX- # XXXX with payments paid since XX/XX/2019 as agreed and will be satisfied with last paid due on XX/XX/2019.
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-03-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

*Items are where FCO misrepresented documents and/or the nature of the debt Dated XX/XX/XXXX Received a debt collection notice from XXXX that we owed XXXX XXXX {$3300.00} XX/XX/XXXX Disputed the debt through their portal and requested proof Dated XX/XX/XXXX Received a XXXX ledger that showed a charge of {$3700.00} for a " lease termination fee. '' XX/XX/XXXX Called FCO and disputed the debt again, explaining that our lease had expired and we were on a month to month lease. Requested that FCO either send concrete proof of valid debt or cease collection activities. 

XX/XX/XXXX *Received a copy of an expired lease from FCO . The lease was expired in XXXX and the " lease termination fee '' was added in XXXX. 

Dated XX/XX/XXXX Received letter from FCO notifying us that we had been or are scheduled to be reported to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX *Called FCO to inquire why they were threatening to report us to credit bureaus during an ongoing dispute. 
Agent stated that XXXX had reported the debt as " unpaid rent. '' XX/XX/XXXX Certified letter delivered to FCO instructing them to cease collections if they can not provide a valid lease. 

XX/XX/XXXX *Received documents from FCO - A letter of intent that they stated was a " lease renewal '', and a " Move Out Statement '' that provides no further evidence of a valid lease. 

XX/XX/XXXX Called FCO informing them I was sending an official cease and desist letter and that they had failed to prove a debt despite multiple requests. 

XX/XX/XXXX Certified cease and desist letter arrives at FCO. 

XX/XX/XXXX XXXX reports negative action by FCO.
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: Experian Information Solutions Inc. (MN)

TO WHOM IT MAY CONCERN, IM NOT PERFECT BUT I WAS XXXX XX/XX/2016 AND I SEE WHERE SOMEBODY WAS USING MY NAME TO GET FUND FOR COLLEGE AND GO TO SCHOOL. I NEVER ATTEND COLLEGE IN LIFE MY AND IM NOT SAYING COLLEGE IS BAD BUT I DIDNT GO TO COLLEGE AND HOW CAN I ATTEND COLLEGE WHEN I WAS XXXX XXXX AT THE SAME TIME SOMEONE WAS USING MY NAME. THESE ACCOUNTS IS ONLY SHOWING UP ON MY EXPERIAN REPORT MAYBE THIS IS A MISTAKE/WRONG PERSON BUT WHAT I DO KNOW THIS IS NOT ME THIS IS FRAUD.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

On XX/XX/2014 I bought a XXXX XXXX from Best   Buy for {$290.00}. This product was returned on XX/XX/2014. This is reflected on my credit report as a closed account. Accurate. On XX/XX/2014 I bought a XXXX XXXX from Best Buy for {$260.00}, and this was returned because I found out I might be deploying. This was returned on XX/XX/2014. This purchase is on my credit report as a charged purchase that was never returned and is incorrect. I have proof in the form of pictures from my online account through Best Buy that I was able to access, showing both purchases and both returns. But for some reason this company decided it was going to try to collect a debt from me that was returned in full. This has been negatively dragging down my credit for years. I have tried to rectify this issue with the company and all they do is give me the run around with no easy way to get this remedied. The people that I am speaking to can give me no answers. I submitted a dispute through XXXX providing the proof of this error and it came back as verified as accurate. So with no other means at my disposal I am coming here.
Consumer complaint received 2019-10-11
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-08-16
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (AZ)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,
Consumer complaint received 2020-02-10
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. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}
Consumer complaint received 2019-10-11
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I have had a Citibank credit card for 20 years and the last month I paid the payment twice in a single month. When I got my next statement I was charged a late fee simply because the second payment didnt fall after their statement date. 
I spoke with them and they acknowledged they see the two payments but refused to remove the charge.

This is simply forcing me as a consumer to fall within the limitations of their technology to recognize I am NOT late and I paid them two payments. You would think logic would play a role here but no, Citibank like the rest of the financial institutions has no regard for customers or common sense. 

I as their customer and an upstanding member of society am now punished for paying too quickly. This is not to mention this will appear as a 30 days late on my credit. This is just plain wrong and dishonest.
Consumer complaint received 2019-10-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2021-02-17
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: EQUIFAX, INC. (MS)

On XX/XX/2021, I mailed a letter requesting a method of investigation for inaccurate accounts that were claimed to be verified so that I could follow up. The FCRA gives 15 days for this information to get to me. However, it has been 6 weeks and I still haven't received the request!!!