davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (KY)

On XX/XX/2022 I called Truist Bank because I had an unrecognized charge. So they closed my checking account and advised me to open a new one. I then opened a new account and attempted to move the money from the closed account to the new account. I was unable to do it online so I then went to the Truist Bank in XXXX, KY on XX/XX/2022 and the man there said he couldnt transfer the funda from the closed account to the new opened checking and he advised me to call Truist and tell them so I then called Truist XXXX and the woman who answered the phone call told me that she couldnt transfer any funds from the closed account to the new recently opened one. I dont know what to do now because nobody is helping me and my money is in a checking account that I dont have access to anymore. I need my money.
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CA)

On XX/XX/XXXX, I visited XXXX XXXX to sign up for personal training sessions. I received a XXXX XXXX XXXX XXXX XXXX and the XXXX that I take causes me to XXXX XXXX which is why I wanted to visit a trainer. I am XXXX XXXX XXXX and have XXXX in my XXXX XXXX   and XXXX in my XXXX XXXX. When I visited XXXX XXXX, I explained this to the representative XXXX XXXX and that I am unable to read the contract. XXXX stated that she would review the contract with me. During this time, I was unaware that the trainers were through a third party company called XXXX XXXX. During my time with my trainer ( XXXX XXXX ), he cancelled XXXX weeks of training in XXXX, XXXX weeks in XXXX, and XXXX week in XXXX. On XX/XX/XXXX I learned that XXXX XXXX was terminated due to credit card fraud. At this time, I submitted a certified letter requesting to cancel my services and cancelled my credit cards to avoid my information getting compromised. I received a call back from XXXX XXXX stating that in order for me to cancel I owe last months payment and {$100.00}. I explained to her that I will not be paying them any more money due to not ever being told I can't cancel my service. I also told them I was not comfortable giving them my credit card information due to the credit card fraud that occurred at this company. I spoke with my trainer after this and he was stating that he could make up the cancelled sessions from earlier and that his checks that he receives from XXXX XXXX bounce. Because of this I paid him {$140.00} through bill pay on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I continued to receive monthly phone calls from XXXX XXXX about my balance. I repeatedly told them that I was not paying them anything and that my service was cancelled. I also explained to them that I paid my trainer in XXXX and XXXX. I sent them a copy of the receipt and they said they would credit my account. In XXXX, I submitted a complaint to Better Business Bureau in which the case was closed due to XXXX unsuccessful attempts to receive a response from XXXX XXXX. XX/XX/XXXX I then received a letter from Aldous and Associates stating that I owe {$2200.00} because of my agreement with XXXX XXXX.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : XXXX  XXXX
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TRANSUNION HAD A SERVER ERROR SYSTEM GLITCH WHICH STARTED IN XX/XX/XXXX, WHICH DELETED A TON OF INQUIRIES FROM CONSUMER CREDIT REPORTS ( WHICH REP DID VERIFY INCLUDED MY CREDIT FILE ). I CONTACTED TRANSUNION SEVERAL TIMES AND NOT GETTING ANY FURTHER WITH TRANSUNION DELETING THE ACCOUNTS ASSOCIATED WITH THE " INQUIRY ISSUE '' AND NUMEROUS CUSTOMER SERVICE REPS REFUSING TO TAKE CARE OF THIS ISSUE. ALSO I HAVE MADE TRANSUNION AWARE OF SOME UNAUTHORIZED CREDIT INQUIRIES THAT I HAVE NOTICED ON MY CREDIT FILE, THAT I HAVE MADE TRANSUNION AWARE OF AND I HAVE CONTACTED EACH CREDITOR AND RECEIVED DOCUMENTATION WHICH WAS SUBMITTED TO TRANSUNION VIA FAX AND A LETTER OF AUTHORIZATION SIGNED BY ME WITH THE APPROVAL TO DELETE THESE SEE LISTED BELOW : XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX   XXXX  UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX
Consumer complaint received 2020-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (LA)

I am on track for Public Service Loan Forgiveness. At one point my loans were serviced by the XXXX XXXX XXXX XXXX - that was shut down and my loans were transfered to my current servicer, Fedloan. Fedloan is alleging that payments I made in 2012 are not " qualifying. '' I have asked them for a copy of my payment record from 2012, which they say they are ordering a review of, but refuse to provide me with. How am I supposed to prove that I made payments in 2012 without access to these records, my bank doesn't retain records older than 7 years. Fedloan is refusing to provide me with a copy of my payment records.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (OH)

I was contacted by a phone number at XXXX on Thursday XX/XX/2018. I returned the phone call to see what it is in regards to, the represenative asked if I was a particular party in which I told them I was not. I told the individual that I did not know who this person was and to stop contacting me. The mentioned that " this is an attempt to collect a debt and we will use any information to do so '' or something along the lines of that. Presumably this is a debt colector calling me about someone else 's debt in which I have no correlation to. After I mentioned to stop calling, more frequent calls came in, violating my rights as an American.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio is reporting on my credit as though there is a balance. This was settled through a debt settlement company and there is no money owed. This was actually resolved in XXXX of last year. The difference of what Portfolio is reporting is the difference from the original amount and the settlement. I have attached proof that everything was settled through the company. Portfolio needs to honor the agreement.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

My wife was contacted by XXXX XXXX XXXX XXXX   ( XXXX ) concerning an unpaid toll violation in the state of Pennsylvania in my name. She was harassed by a series of questions over the telephone and eventually took their number so that I could return the phone call. Upon contacting the company, I was able obtain enough information that I could identify that the license plate and XXXX  that were involved do not belong to me. Understanding that I need proof, I contacted the Pennsylvania XXXX  Toll Violation department and learned that the correct individual who this charge is meant for shares my first and last names, but has the middle name " XXXX  '', while my mine is " XXXX ''. Based on their close proximity on a keyboard, its clear that someone mistakenly typed " S '' instead of " A ''. I called XXXX  back to give them the good news and let them know that a quick call of the Pennsylvania XXXX  Toll Violation department will help them clear up this once and for all. However, I was told that I need to submit a written dispute and also that I must take several steps to clear this charge from my name. I even have to incur charges to mail a letter certified requesting a validation notice. XXXX has impinged my personal time, my wife 's time, and now is forcing me to spend money associated with charges that do not belong to me. I intend to seek damages from XXXX associated from this loss of time, money spent, harassment of my wife, and for a finder 's fee for finding the correct debtor.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : 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 2022-08-10
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. (CA)

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  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 2018-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX, I was contacted by Navient and told that a private loan held by them would enter into default if I did not make a payment. A payment arrangement was made for XX/XX/XXXX. On XX/XX/XXXX, I received a letter claiming that this loan was in default. After calling to discuss it, I was told that they had never received any payment and that my loan could not be removed from a defaulted state. After checking recent bank records, I saw no evidence of any attempt to collect the payment as arranged. This is counter to the agreement made with Navient 's customer service and when this was mentioned, my complaint was dismissed with a statement that it " did not go through '' and the agent I spoke with ( " XXXX XXXX, '' likely a pseudonym ) attempted to pressure me into making a payment.
Consumer complaint received 2018-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

I used XXXX through the Wells Fargo mobile app to transfer {$400.00} to a seller on XXXX for tickets. The seller was a scammer and never transferred the tickets. When I filed a claim with Wells Fargo, they claimed there was no redress because I authorized the transfer. 

However, there are few reasons why Wells Fargo should be responsible and reimburse me for the loss : - The XXXX function is fully integrated into the Wells Fargo app and website, which makes it look like it is part of the bank and not a third-party provider. 
- By trading on consumers ' trust and confidence in Wells Fargo, XXXX makes it seem safe to transfer funds using its service. 
- Based on this integration, a consumer would have a reasonable expectation that XXXX comes with the same consumer fraud protections that other payment methods through the bank have -- such as paying with a check, credit card, or debit card. 
- XXXX asks for the recipients name and phone number -- this makes the consumer think that the bank is checking to see if the recipient 's bank account matches the recipient 's name and phone number. But that can't be the case, because the scammer was impersonating someone. 
- Both Wells Fargo and the recipient 's bank have Anti-Money Laundering/Bank Secrecy Act requirements to " know your customer '' but it does not seem that either bank is conducting any due diligence to ensure that the recipient is who s/he claims to be. 
- Even though I have now found many articles online warning about XXXX scams, Wells Fargo has no warning about these scams to users. If you know that a payment system is being exploited by fraudsters, you should have some information about it on your website. 

I understand that Wells Fargo views XXXX like a wire transfer and therefore they claim to have no ability to return the funds. However, I believe that Wells Fargo bears financial responsibility for hosting a payment system that is so easily exploited by criminals. Even if Wells Fargo has to pay for the refund itself, it should have to internalize the cost of the risk of scams that it exposes its customers to. The relationship that a customer has with his/her bank is totally different from the relationship with an unknown payment service provider. I would not have used XXXX if I had understood how it works and how little protection there is. 

If Wells and other banks had to take responsibility for scams through XXXX, they will have the incentive to try to stop these scams. If they refuse to take responsibility, customers will lose confidence and trust in their banks.
Consumer complaint received 2022-05-03
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-03
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. (CA)

I submitted to XXXX and equifaxmy medical card showing I had medical insurance. And uploaded from their site when accounts was sent to collections via their site to cross reference. I also sent my report that I disputed the account was open fraudulently. ( XXXX XXXX ) I uploaded proof the previous creditor deleted the account. And proof both accounts deleted from XXXX. In the dispute results it states '' Creditor identifies this account as accurate '' I don't see how when I have proof otherwise and get a generic response I attached my receipts I sent to XXXX, and when the accounts was originally sent to collections per their website. Reflecting all these account 's was AFTER I had insurance.I..also attaching my fraud report for XXXX collections and letter from previous creditor deleting the account
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a checking account with HSBC in XXXX of XXXX. The bank disclosed a {$50.00} maintenance Fee if the monthly deposits didn't meet a certain minimum. At the time, I was unconcerned since under normal circumstances my monthly and daily balances would exceed the minimum requirements. 
The COVID hit and my deposits ground to a halt. 
On my statement ending XX/XX/XXXX, I noticed a {$50.00} fee for maintenance. I called customer service on XX/XX/XXXX and was advised this in acknowledgement of difficulties due to COVID, the fee would be refunded and that no additional maintenance would be charged to my account until XX/XX/XXXX. 
On XX/XX/XXXX the fee was indeed reversed, but on XX/XX/XXXX another fee was assessed ( contrary to what I was told on XX/XX/XXXX ) This fee put my account negative by {$2.00}. 
Then on XXXX another fee was assessed resulting in a negative balance of {$52.00}. 
Then on XX/XX/XXXX, they simply and abruptly closed my account and sent it off to collections. 
On XX/XX/XXXX I called them and explained this issue and was told to expect a refund check for {$47.00}. 
A month passed and i didn't receive a check so i called again on XX/XX/XXXX and was told a manager would call me back, but no one ever called. 
I followed up with 2 subsequent calls on XX/XX/XXXX and XX/XX/XXXX respectively and each time I was told that a manager would call me, but still no one called. 
In the interim, they still have my account in the recover ( collection ) department. 
I sent a final letter in XXXX and again was ignored. 
This is despicable behavior under normal circumstances,, but for a worldwide institution to do this to someone like myself in the middle of a pandemic is unconscionable.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I write to call attention to incident that occurred by Chase Bank employees and loss prevention department of Chase Bank.I received a settlement check from a lawsuit in the amount of {$160000.00} The check was written on XXXX XXXX XXXX. I deposited my check into my personal account on XX/XX/17 I was concerned that the check had not cleared and called and was informed by several Chase employees ( XXXX, XXXX and another gentleman ) that my check was forwarded to loss prevention because my law firm '' had a history of bouncing checks '' and that Chase had put a hold on my account and since they cant verify the check my account was going to be closed on Friday XX/XX/2017 and the check was going to be returned unpaid. I called my law firms bookkeeper and lawyer and explained to them what Chase employees had told me in regards to my deposit and received a copy of my lawsuit check from them which cleared on XX/XX/2017 the day after I deposited it. I also immediately contacted the bank branch manager ( XXXX ) and advised her that I was told that the Chase employees had used XXXX to research my lawyers firm and noticed that his firm changed his name last year. Chase policy is not to allow employees to verify funds using the internet research rather than calling the issuing bank. The law office has no history of bouncing checks.I had to go into the bank on XX/XX/17 with the copy of the cleared check and have a three way call with ( XXXX ) Law-firm bookkeeper and loss prevention.The law office was able to clear the check after going back and forth with the employees. The law office wrote a letter to XXXX XXXX ( Chase market director )  and wanted an explanation about the conduct of the employee and the loss prevention department. I received a reply about deposits holds and that they could not verify the actions of the employee and had no record of any of several phone calls to the bank. ( I do have phone records of all calls to the bank ) I was discriminated agaist by Chase Bank because I am an XXXX women.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My Paypal account was permanently limited for no reason last XXXX of XXXX. They hold my funds for 180 days, received an email last XX/XX/XXXX that my funds are ready for withdrawal. I tried withdrawing my funds from my account using the linked bank account on my Paypal account, unfortunately, the bank account is already inactive, so the bank transferred back the money to my Paypal account. Now, I can't withdraw my funds since I am not allowed to add another bank or to transfer my funds to another Paypal account holder since my account is permanently limited.
Consumer complaint received 2022-05-03
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 Account # XXXX Account # XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2020-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Home Loans LLC (FL)

Received notices in the mail from our homeowners and flood insurance companies that the policies had not been paid by the XX/XX/XXXX deadlines and the policies had expired. I called Angel Oak to discuss the matter and spoke with XXXX on XX/XX/XXXX. She acknowledged that the policies had not beed paid out of escrow because they had to " work out the kinks '' in their new system and she had only received " training yesterday '' on how to make payments. She acknowledged that Angel Oak was aware it was not making payments out of escrow even though they were due, and hadn't notified customers. I asked her to send me confirmation of payment as soon as possible, as well as have someone call and explain how they were unable to make payments due to a " new system ''. As of today XX/XX/XXXX, they haven't made payments on the policies, provided evidence payments were made, or contacted me with any explanation. I've had to pay the policies myself, and hope for a refund if and when they pay them.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (FL)

I sent digital currency from one echange to another with the wrong address receiving end.

Sent Bitcoin to a bitcoin cash address from one echange to another. XX/XX/2018. I asked them to help recover those funds and they replied that they are to busy and dont have the resources for that. That your XXXX dollars are lost. I wrote back begging them to help and that i needed the money badly. They said they might get to it but can t guarantee that it will be any time soon. Very vague anwser. Pretty much they dont have customer service but an anwsering service.