davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

I had already submitted a complaint here but havent heard anything. 
I have consolidated federal loans with Fedloan servicing and I am enrolled in the loan forgiveness program. I had unfortunately needed to do a XXXX  XXXX bankruptcy in 2013 for 5 years I talked to fed service about the loan forgiveness at that time or before I believe when it was XXXX maybe. Anyway during the XXXX  XXXX I demanded that my stir T loans be paid during this time to ensure I would be getting credit for the months while in the 5 year bankruptcy which I did I faithfully paid my monthly payment automatically through the bankruptcy liaison for the 5 years. Then I was told after the 5 years that because they ( fed service ) didnt have me in the right program that none of those payments would count. Then with Covid relief I was told that those payments would count and that someone would be reviewing and would let me know. Well they said that they still dont count and XXXX will b paying for another 8 hears on my 10 year plan ( Im a XXXX  and qualify for loan forgiveness ) I asked to speak with a supervisor and they gave me one and she said oh we shouldnt had taken any money from you and we will b reimbursing you all the money u paid in. ( which they never did ) I really would prefer to have the months count towards the Temporary loan forgiveness guidelines. Ya know I am in this ridiculous mess from my XXXX loans which I believe were originally only round XXXX I was misled also as I was originally told they would all b forgiven if I stayed in maine.and the interest rates are ridiculously high I will never get ahead Please help. 
XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I received a letter in the mail from a debt collection agency stating that I owed {$400.00} and they would reduce the debt to {$200.00} if paid in a timely manner. This is for a utility company that I have never had an account with at an address that I have never lived at.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2018, I filed a CFPB complaint because 5/3 Bank sent out unsolicited blank checks linked to an old credit card account to my old address, which 5/3 then allowed to be fraudulently signed and cashed by the person at that address. 5/3 Bank has told me that they concluded I DID NOT SIGN the courtesy check. After filing my CFPB complaint, I received a letter from the Office of the President on XX/XX/2018 stating that the balance would be changed to {$0.00} and all fees would be waived. 

Fast forward to today, when applying for a mortgage on a new property, the mortgage broker reported that my credit score was poor and cited my 5/3 credit card account. I checked XXXX XXXX and sure enough, it reported an overdue balance of {$390.00} and was more than 120 days past due. I called 5/3 Bank 's customer service on XX/XX/2018 who confirmed that 5/3 has never followed through with what it promised and has been charging me penalties THIS ENTIRE TIME. In addition, 5/3 Bank has refused to reimburse me for my time in dealing with this problem, and the several hundred dollars in damages I've incurred because my lower credit score affected my interest rate on my current home ( purchased in XX/XX/2018 ). 

In addition, this continued problem is affecting my ability to purchase new property now. I simply can not get a good interest rate and I simply can not wait for 5/3 Bank to correct ( or at least tell me they'll correct since they didn't last time ) this. This is unacceptable. 5/3 Bank should be punished for sending unsolicited checks that can be easily stolen and easily cashed, especially when 5/3 Bank can determine AFTER THE FACT, these checks were fraudulently signed. Once that's done, the damage is done and my credit score is ruined.
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirkland Asset Management LLC (OH)

I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.
Consumer complaint received 2022-07-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NY)

I am a XXXX woman with XXXX XXXX in XXXX of last year my card was hacked for {$110.00} all at the XXXX XXXX XXXX for video game purchases I do not play video games I said and they denied my claim okay and then I found to purchases from XXXX that I have no record up in my purchase history XXXX in XXXX and XXXX and they agreed with that sent them the paperwork stating they backed my claim they gave me the {$440.00} back but actually it was {$480.00} and just yesterday they took that money back which will no notification which left me unable to pay my rent and take care of my therapy pets I'm arguing with them because they're saying it's a dare denied the claim and I'm not the only person that has been hacked between XXXX and XXXX XXXX people in my complex ( I live in XXXX XXXX  ) were hacked and they refused all their claims a good friend of mine was hacked 2 months in a row now XXXX needs to do something about this and this company refuses to pay anybody back even if the claim is founded I'm on XXXX it's all the money I get under done giving me the money back and then turning around and taking it with no notification has left me in a very bad position for this month and they don't care if you would like to talk to me further about this my name is XXXX XXXX my phone XXXX XXXX XXXX
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I signed up for a Citi checking account in a promotion to receive XXXX ThankYou Points ( value : {$500.00} when used for travel ), which required me to open a checking account, make a minimum deposit, make a couple bill payments in a certain amount of time, and maintain a minimum balance. I had done these things but then Citi abruptly closed my account, claiming, incorrectly, that I did not provide certain information in a timely manner. After failing to resolve the issue with the bank, I submitted a detailed CFPB complaint ( # XXXX ) on XX/XX/19. Soon after, I was contacted by " XXXX '' from Citi who reviewed the evidence I provided in that complaint that Citi had acted in error, and XXXX re-opened my checking account and agreed to credit my account for XXXX ThankYou Points once the minimum balance was in the account for the required time. Apart from the ~1 week in between my account closure and re-funding it, Citi has had {$15000.00} of my money for 4 months now. XXXX left me a phone number to contact her, XXXX. Nearly 2 months after last speaking with her, my account has not been credited with the XXXX points and I am unable to contact this person. Despite repeated attempts she does not answer her phone and, curiously, she does not have a voice mail. Without any other way to reach her, I have contacted Citi online and by phone, where I was bounced around between several foreign  call center employees, none of whom had a clue how to help me. So once again I find that I must file a complaint with the CFPB, since Citi has made it impossible to get a hold of someone who can help me ; unfortunately this appears to be the only way to reach someone at Citi who has the power to make things right.
Consumer complaint received 2018-10-30
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)

defamation of character. 
ftc violation transunion took of a loan and put it back on the XXXX lease also XXXX has done nothing to try to help
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (PA)

I went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

When it came time for me to finance a mortgage on my home, I thought it would be best to go through the bank I have my personal and business accounts with for over 10 years. XX/XX/ 2021 I applied for a mortgage with Wells Fargo. I provided all the information and documents they asked for within a week. A few weeks went by and I heard nothing. I called on several occasions to finally get a hold of someone a month later telling me my application could not move forward and nothing more. I was so hurt and confused as nothing had been communicated to me as to why. I felt I was stuck in the mortgage I was in and almost too devastated to move on until a friend suggested to at least try another lender. So I did and I got approved. Nothing on my end change and the company actually processed my application and communicated with me.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Ive been disputing information that has been reporting in correct on my credit report. Name, address, repos, numbers of inquiries, jobs. Ive even mentioned the letters that I e gotten in the mail in regards to there in a security breach and that my personal information had been exposed and possible used. Almost three years and no one has not done anything but update the account the wrong way with false information.
Consumer complaint received 2022-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

The internet criminals hacked my personal information knowing that I am in a process of grieving and I was looking for a full-time job. The criminals connected with me through XXXX, and then suggested to use XXXX and XXXX apps. I was trapped in the job scam. The criminals attacked me mentally continuously, and instructed me to wire the money from my XXXX checking account on XX/XX/2022 with amount of {$5000.00}, from my XXXX saving account on XX/XX/2022 with amount of {$95000.00} and on XX/XX/2022 with amount of {$100000.00}, to XXXX XXXX Bank, an online profile bank of Coinbase company. All transactions were completed and confirmed by Coinbase Company. However, all the money wired into Coinbase online profile bank were disappeared. 

I filed request on XX/XX/2022 with Coinbase company for recover these funds. Coinbase company emailed me the results of the investigation on XX/XX/2022 that " Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way to cancel, reverse, or recover these funds on your behalf. '' What Coinbase is saying, is that Coinbase has no idea where my money went, and Coinbase has no idea who the third party is and that who has wired out my money from their online profile bank. I just don't understand if an unknown third party is performing a criminal activity, wiring out somebody's money from Coinbase, why Coinbase do not block the transactions or hold the transactions if Coinbase do not recognize the third party in order to protect Coinbase clients.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (PA)

Good Afternoon, 3 weeks ago, I filed a fraud report with PNC ( my bank ). There were {$710.00} worth of fraudulent checks cashed, and the money was taken out of my account. This occurred over a span of 2 weeks ; XX/XX/XXXX-XX/XX/XXXX. There were approximately 9 checks, written for various amounts, all totaling {$710.00}. The person whom stole my checkbook, and wrote the bad checks, is my mother. I also followed-up by filing a police report against her, which I have offered my bank as evidence that this matter is being taken seriously. 

This claim was opened with my bank going on a month ago. I have contacted their fraud investigation team, as well as my investigator, who was working personally on my case ( her name is XXXX ), countless times. I still, to this moment, have not received any contact or correspondence back from anyone working on my case, nor from PNC. 

I made a call in to PNC today, and I spoke with a standard Representative, who told me my fraud claim was denied because the signiture has been consistent since XX/XX/XXXX. Apparently, my mother had also stole and written a bad check in XX/XX/XXXX, and because of this, they are saying its consistent. I was in the hospital, and incompetent, from XX/XX/XXXX to XX/XX/XXXX ( in which I have paperwork to prove ). I did not know my Mother was stealing and writing bad checks. 

I have been banking with PNC for 8 years now. It is their job to protect my money, as they advertise safety, security, and guarantee reimbursement of all funds if they confirm fraud on your account. What PNC is practically saying, is that since there has been this same handwriting in XX/XX/XXXX, that its excusable. This is absurd. Again, I have been with PNC for 8 years. I write, authorize and sign 1 check a month, and that is to my landlord. There is clearly suspicious activity, as there has been {$710.00} in checks cashed. Ive never done such a thing. Also, I had ALL of my checks cancelled. Why would I have all the checks *I* paid for cancelled if this wasnt genuinely fraud? 

I would appreciate PNC seeing that there is clearly check fraud, reimbursing my money in the amount of {$710.00}, and offering additional protection, as again, I choose PNC to protect my money.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My complaint about Bank of America is the following : I made an online wire transfer to a foreign Bank XXXX for my mother on XX/XX/XXXX, for {$4400.00} dollars. The representative advised me that it would take 4 to 5 business days, for my mother to get the money. I spoke to my mother 7 days later and she had not received the funds. I called Bank of America again and they didn't know what to tell me. I checked the transfer details again and the last two numbers of the beneficiary 's account were wrong. On XX/XX/XXXX, I called Bank of America again and told the representative what I noticed about the transfer details and I requested my money back. The representative told me the transfer request would be cancelled/recalled they gave me case number XXXX and said they would be in contact with the foreign bank about returning the money. It has been 2 months and I am still waiting for my money. I have made numerous calls to Bank of America, only to be given the same excuse as to why I dont have my money back. 
All Iam told is that they send a request to some mediating bank ; they dont even tell me who the mediating bank is. The mediating bank then contacts my mothers bank, XXXX to request the funds back. We have contacted XXXX Bank and they have told us over and over again that it is not up to them to return any money because if the account information was wrong, they would not be able to receive any funds for my mother. XXXX Bank representatives continue to tell me that it is the responsibility of Bank of America . 
I feel we have been patient enough and I need my money. It is not {$4.00} dollars it is {$4400.00}. Please let me know what else I need to do to resolve this. We are very concerned about this situation because there was information on the local news that Bank of America is under investigation. If any of it has to do with my current problem with them, I hope you can help.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am writing to express my ongoing frustration regarding the multiple attempts I have made to remove unknown inquiries from my credit file. Despite my continuous efforts, these inquiries persist, and their presence is causing me significant concern and distress.

I have diligently followed the procedures outlined by your organization for disputing inaccurate information on my credit report. However, despite providing all necessary documentation and evidence to support my claims, these unknown inquiries have not been removed from my file.

These inquiries are not only inaccurate but also unjustly impacting my credit score and financial standing. As a responsible consumer, I have the right to ensure the accuracy and integrity of my credit report, and I expect your organization to honor this right by promptly investigating and resolving this matter.

I urge you to take immediate action to investigate the origin of these unknown inquiries and remove them from my credit file without further delay. Additionally, I request transparent communication and regular updates on the progress of this investigation until it is satisfactorily resolved. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : 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 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

I have been getting calls from Conn 's starting at XXXX XXXX  since Monday. They call both my home and my cell 6 times or more before noon. They have sent multiple emails, texts and continue to call. My payment was due Sunday. I'm only 1/2 a payment behind. I have a grace period. It's against the law to harass customers.
Consumer complaint received 2018-10-30
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. (AZ)

I have disputed the late payments on XXXX XXXX account for months. XXXX  and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP