davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

hello, I have left fall river MA during the first week of XX/XX/XXXX and moved to ohio. 
before moving, I went to the citizens bank on XXXX XXXX, fall river ma, and requested for all my accounts to be closed. surprisingly, I got the letter stating accnt : XXXX est on XX/XX/XXXX balance due {$2100.00} for the services provided, last payment of {$3.00} was made on XX/XX/XXXX, and all this time till XX/XX/XXXX I was not informed, i got to know this by forwarded mail in Ohio. 
this is the case of some clerical mistake by banking clerk or bank fraud fines and interest by the bank or fraud by some third party after long wait on phone with customer service " this is all interest and fines..,.,.,. ", does not want to provide the monthly statements on my email id, dating back to XX/XX/XXXX .which they have on records emailid : XXXX : the should be penalized for such trade practices. 
please help
Consumer complaint received 2018-05-04
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. (FL)

I have a credit card account with Citi Bank and requested a credit line increase online o

n XX/XX/XXXX. Their web page specifically stated that no inquiries will be placed on my credit report, which is the reason why I requested the increase. On XX/XX/XXXX, a 'hard inquiry ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. 

I have not authorized or agreed to this inquiry and would like to have the inquiry removed from my credit report as it brings my credit score down. 

I contacted Citi Bank and their customer service agent could not explain why a 'hard inquiry ' was placed on my report for a simple credit line increase request, however they said that there is nothing that they can do and refused to help me any further.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2018-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I was enrolled as a full-time student earning my XXXX. at the XXXX XXXX XXXX  for 8 years. I borrowed $ XXXX in Federal student loans. I have worked for non-profit safety-net health facilities and medical schools since XX/XX/XXXX. I transferred and consolidated my loans in the XXXX XXXX XXXX XXXX XXXX as soon as I found out about the program, approx XX/XX/XXXX. My lender was AES in PA. In XX/XX/XXXX my debt transferred to XXXX. My payments were often beyond what I could afford, I asked for forbearance or deferment several times over the years. I have been paying between {$170.00} and currently {$650.00} a month for my student loans since XX/XX/XXXX. I now discover that I HAVE ONLY MADE 3 QUALIFYING PAYMENTS toward the 120 payments required for loan forgiveness. This is a bait and switch and a slap in the face. If this program is intended to reward public service, it is a failure. If this is intended to assist those who choose public service, it is a failure. Someone, I don't know who is profiting GREATLY from my payments and in exchange, I am receiving nothing. There is no appeals process and no room for renegotiation. It would be reasonable to examine how much I would have paid under the " correct '' type of consolidation compared to how much I have paid and tell me the difference, if any, in order to pay the required amount to qualify for forgiveness. The Employment certification form OMB no. XXXX exp Date XX/XX/XXXX states that 4 different repayment plans [ REPAYE ; PAYE ; IBR or ICR ] qualify for this program which is also confusing.Becuase I am being told that only IBR qualifies?! As it stands I have probably paid back $ XXXX of the original $ XXXX but I am being given credit for less than $ XXXX in qualifying payments! My balance owed on these loans is about $ XXXX. Their horrendous customer service is motivating me to see how I can pay this off and prevent them from making any more money off of me. This is my second largest bill every month and I am treated like a thief when I call them. I don't know if it makes sense for me to stay with this program or perhaps I should just try to get a lower monthly payment with one of their other payment plans and forget forgiveness, although it appears the others DO qualify, despite what I am being told? I need an advocate to help me understand this and fight for me but I doubt one lawyer would stand a chance. Thank you.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

I was going to be a XXXX customer. I had equipment shipped out. I decided not to pursue this and cancelled the lines for the phone and returned the equipment. I still received a bill after being told my debt would be {$0.00} since I cancelled that day. Since then I have received two bills with different amounts. I have called XXXX three times and each time they confirm all equipment is returned and balance of account is XXXX. Now I am receiving a collection debt from a collector on behalf of XXXX for XXXX balance XXXX has repeatedly said is {$0.00}. I never used the service and returned all equipment. I do not owe this debt.
Consumer complaint received 2018-05-04
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: NAVY FEDERAL CREDIT UNION (HI)

XX/XX/2014 I received a line of credit from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying it. It became a charge off but it is definitely PAID off now.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

OnXX/XX/2016, this debt for {$480.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2021-11-09
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. (NC)

My ex wife and I purchased a car through a local dealer and was financed through XXXX XXXX / XXXX bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to XXXX which stated that my ex wife was solely responsible for the loan and XXXX refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I have a card with American express, and they emailed about a XXXX   interest pay overtime until XX/XX/XXXXof this year XX/XX/XXXX.

We got a limit of {$35000.00} for this pay over time.

So i had a bill with one of our suppliers for {$29000.00} that we needed to pay, so we thought to use this promotional offer, But since this is a larger amount of our regular cash flow, we reached out to american express customer service to confirm that this charge is eligible for this 'Pay over time ' promotion, and they gave us the OK, and we charged that amount.

Shockingly we saw our statement with a minimum payment due of {$29000.00}, with a due date of XX/XX/XXXX, and a penalty APR of 29.99 % if its not paid.

I called spoke to a supervisor name XXXX from XXXX  AZ branch, and was promised if i pay {$6000.00} she will move this large charge into Pay over time.

We paid the {$6000.00} in full on XX/XX/XXXX and today isXX/XX/XXXX and they still didnt fix this, and i scared of this bill how this will end up on our company.

I believe this was all a dirty trick they used to push us into the 29.99 % APR. and they should stop doing this and give us compensation for our painful time that we are so anxious about this.
Consumer complaint received 2023-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I monitor my credit report closely through XXXX XXXX. Recently my credit dropped by XXXX points because it said I had a hard credit check. Looking into it, I found it was Bank of America that did a hard credit check on XX/XX/XXXX. I have no dealings with Bank of America, in not in any sort of process of applying for credit or credit cards, and actually have no debt to my name and I'm not looking to borrow money. I attempted numerous times to contact the bank but it's impossible to get through their automated systems unless you're there customer. There are no forms that they offer to file a complaint about an unauthorized hard credit check. I'm concerned that this is a sign of identity theft
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, upon the advised of a legal councel, I immediately went to XXXX XXXX Police Department and filed a report regarding what I just learned a fraudulent information showing on my credit report. I am very much surprised to learn that an existing mortgage account being reported under my Name and my Social Security number by XXXX XXXX XXXX with opened date back XXXX of XXXX. 

I hereby attaching sworn statement given in from of Police Office XXXX XXXX # XXXX. 

Account information of fraudulent account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Loan Amount : {$90000.00} Balance Owed : {$15000.00} Though this account appears to have been kept with good payment status, this is still not mine and must be removed from my credit report immediately.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it. 

Credit card account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

I am currently under the CARES ACT of 2020 for my FHA Mortgage loan with BB & T. Based on the guidelines under this act, my credit is not supposed to be effective. However, BB & T is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at BB & T stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EMBRACE HOME LOANS (PA)

I am attorney for an estate. The deceased had a mortgage which was in arrears due to her being in a XXXX home and no one paying on it. In XXXX after a personal representative was appointed to settle the estate, we advised the lender in writing we were selling the home. The lender had previously sent an XXXX XXXX XXXX notice re intent to foreclose but never initiated foreclosure ( I checked the County records on XXXX XXXX ). We paid the loan off XXXX XXXX at closing on the sale by wiring funds and have confirmation the funds were received. The payoff included {$890.00} in attorney 's fees, but Pa XXXX XXXX only allows {$50.00} to be collected prior to initiating foreclosure. I had my partner email my complaint about this to the lender XXXX XXXX before closing and was promised a written response in 10 days which I never received. We paid the disputed sum at closing so as to be able to complete settlement. Then yesterday XXXX XXXX, I was advised that the lender had shown up at the house ( 2 weeks after the loan was paid off and title transferred ) and wanted to board up the house. The buyer, in a panic had contacted the realtor who called the title insurance company which called me. I spent 2 hours on the phone with the lender trying to reach someone to resolve this and was never able to talk to anyone with any authority or interest in trying to resolve any of the above.
Consumer complaint received 2022-07-05
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: TD BANK US HOLDING COMPANY (CA)

I received a credit card from XXXX that I didn't apply for. The credit score was for {$300.00} and {$100.00} was already charged to the card. I did report to the XXXX  department but the moment I called Fraud department was closed so I had to contact them the following day. I contact Fraud department Saturday morning XX/XX/2022 and the account was closed and there was more information hared to me about how the account was open. The account was open online and the information I shared with the fraud department didn't not match with the information input online at the moment the account was open. The fraud department recommended that I contact XXXX and other credit score company to report this fraud and put an alert on my credit. So I contact XXXX and they recommended for me to make my repot to FTC and have you guys help with the investigation and help so this doesn't effect my crdito score.SO if you have any further questions please contact me I just don't want this to effect my credit score.
Consumer complaint received 2020-07-28
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. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Claim number XXXX. I disputed a charge and Bank of America chose to believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, 3 bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be  reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

From the Bank reply : Customers who have received the promotional mailing inviting them to earn a {$300.00} Bonus. 
The new personal checking account and/or savings account must be opened within the timeframe notated on the promotional mailer. 

BUT on the TD Bank website screenshot, No promotional mailer is required to open a new checking account in a store. 
On XXXX XXXX, the banker never asked for a promotional mailer for the bonus.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I went into a branch about a credit card come to find out someone tried to open and account in my name in XXXX but with negligence on behalf of navy federal credit union it wasnt identified or brought into question until I was approved for the credit card after being denied for years most of my banking has been done online without problem but once i come in person identify myself with every document or passcode they required Im still denied access to my funds I have had this account for XXXX  years Im a XXXX 100 % percent total and permanent XXXX veteran my only income is not accessible to me at no own fault of mine.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (PA)

I received a notice that a medical debt was owed back in XXXX of XXXX. I reached out to the company to advise I had secondary insurance when I received the notice, as I had done with the hospital, when the bill was sent and was told the claim would be resubmitted each time. the claim was never submitted or resubmitted. So the debt is still being reported. I have reached out to the debt collection agency multiple times starting in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX again in XX/XX/XXXX, asking that the claim be resubmitted, every time I follow up with my insurance company I am informed that the claim has not been submitted. I am now beyond the " timely filing '' deadline, and the debt collection agency is still trying to report the debt as not paid where I could have had the claim paid and paid on time.