davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I deposited a check in the amount of {XXXX  into my Bank of America account from a business in New Jersey. The bank held the funds until the next business day which was XX/XX/XXXX. The funds became available and were deposited into my account on XX/XX/XXXX. That morning XX/XX/XXXX I went to the bank and sent transfer in the amount of XXXX to an individual for services performed on my behalf into their also BOA account. I also made a wire transfer in the amount of XXXX to a XXXX XXXX account for services performed also on my behalf. On this date, XXXX I find that my account has been overdrawn by more than XXXX which included the transfer, the wire and a couple of personal payments in addition to the wire fee for the amount that was wired. The original deposit check in the amount of was at that point put on hold only after I made transfer and the wire. I called the bank to inquire about the issue and I was told that there was a problem with the original deposit check. I called the company that sent the check and I find out it was a fraudulent check and that the company is doing an internal investigation because over XXXX people called the company about a similar issue. They apologized but apparently someone got a hold of one of their blank checks to reproduce. When I went to the bank to relay this information, they told me that it was basically my tough luck that I spent the money from my account. I asked them why the check was not put on hold for several days pending the availablilty of the funds and their reply was that because I had a good relationship with the bank so they went ahead and released the funds not even knowing if the funds were going to clear on the other end. Bottom line, they said I am out of luck because they can not recover the funds from the fraudulent check and that I am now responsible for the now considered debt of of XXXX. My argument that the check as it was a large amount should have been on hold for several business days before I was allowed access to the funds. The bank insisted that I should have waited several days before withdrawing the funds for any purpose. They have froze my account. I am losing my funds from my paychecks and no longer have any availability for the funds that are going to be deposited through payroll. And they also informed me that because it is too late to stop my payroll from entering my account that it was too bad and that they will use my payroll against the overdrawn balance. I have no access to funds now and can't even open another bank account elsewhere until I borrow some cash to go an open another account and have everything transfer into the new account. I walked away in tears. They also informed me that at some point in time they can garnish all my wages from payroll and my social security to pay off the debt.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (MD)

XXXX should not have charged my account again on XX/XX/2023 for {$150.00}. The charge was not my charge and needs to be reversed again. The attached will show when the fraudulent charge was made on XX/XX/2023, as XXXX  called me to inform me that the card was used fraudulently and they disputed the charge, cancelled my old card and sent me a new card. Please address this issue asap. This is a travesty of justice. I dont use XXXX and they werent authorized to charge my card through XXXX XXXX XXXX, as I disputed with them as well, addressed the issue, but XXXX still charged me. Please address soonest.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (UT)

I paid off an account with AFFIRM on XX/XX/2023. After not seeing it reported correctly in late XXXX, I submitted a dispute with XXXX. I even provided documentation. Affirm certified to XXXX that the info that they reported was correct which showed a balance. I disputed this 5 times with XXXX and all 5 times Affirm certified that their info was correct and not mine. Even with documentation.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I opened a checking account with Chase Bank. Two weeks later on XX/XX/XXXX, I had not received the debit card. However, someone went into a Chase Bank on XXXX and XXXX in New York City and withdrew a combined amount of {$4500.00}. {$3500.00} from a checking account and {$1000.00} from a Savings Account. Overall, 2 of my checking accounts and 1 savings account were impacted. They transferred {$2800.00} from my checking account to my savings after removing all of the money from my savings.The bank manager called me and said the teller described that the person who withdrew the funds had an " odd demeanor '' and asked their manager to call and see if it was me. I let them know that the person who withdrew the funds was not me but the fraud had already occurred and the person had already left. I froze all accounts and placed one complaint on XX/XX/2022 and another on XX/XX/2022. I have yet to receive the money back in my account- something I was told would be done as they investigated the claim.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (TX)

XX/XX/2021 Card.com locked my card for un authorized use because tried to buy XXXX XXXX XXXX using my card it was linked to my phone so i told them that i didn't want that card and was they're any other way to get my remaining balance of my income tax which was {$6900.00} so the customer service agent said that she would send the {$6900.00} in the form of a check i waited 2 weeks and called backed and was told that they dont send checks and that my money was stolen by one of they're temp workers with a XXXX XXXX account ive called numerous of times since then been told its been investigated its been 2 months since card.com employees stole my money from my account and haven't did anything about it i have kids and bills i need my money NOW
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 

XXXX. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 

XXXX. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
Please remove this account from my credit file immediately. 

XXXX monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX Account : XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (KY)

After doing several disputes with XXXX and Phoenix Financial. I am still not getting the investigation that I asked for. By XXXX  not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to XXXX  and the Creditor asking for validation. The information was completely ignored from creditor Phoenix Financial. Both failed to do an investigation before reporting false information. Phoenix Financial failed to respond several letters.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting Act 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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX, XXXX ) XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2019-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CT)

Vehicle has multiple issues with the electrical system and am in the process of working with the attorney general to refund money paid and hold the dealer liable for the loan. Westlake financial is refusing to let me put the payments on hold pending the outcome of the lawsuit. 
The vehicle is currently sitting in my driveway for over two months dead unable to be driven.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (FL)

XXXX, XXXX AM You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (PA)

My issue both on the personal and business accounts with Huntington Bank XXXX XXXX, OH that they for mths have been with drawling " fees '' from my accounts with no supporting documentation and in excess of the original agreed to amounts. I have been told for mths they would get me answers only to hear excuse after excuse. They to date have shown nothing in writing both prior, after or upon my multiple requests for why this is happening. I have communicated both with my local " mgr '' and their headquarters in XXXX. I am not sure where to go from here, but these fees are in excess of several hundred at this point and while I will be looking to move my accts to another bank, this is simply wrong to not be able to document the charges ... again prior to or after ... but especially after being asked. Month after month of written requests to Huntington. I am hopeful that a complaint filed may get their attention or care.
Consumer complaint received 2020-06-03
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: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX but when I looked up the address it shows up as Fair Collections & Outsourcing for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to Fair Collections & Outsourcing requesting Validation of Debt as well.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MT)

XXXX-I attempted to place a credit freeze on my XXXX  account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

Experian- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
Consumer complaint received 2020-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (CO)

I have requested my mortgage payoff 5 times from XX/XX/XXXX to XX/XX/XXXX and the company is refusing to send to me via fax or email. They state they will only mail it, they do not produce a tracking number, and i have not received my mortgage payoff mandated to be sent to me by law within 7 days of request.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

XXXX-I attempted to place a credit freeze on my XXXX account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

Equifax-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sold my house and received pre-approval letters from Bank of America ( BOA ), XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX  ( XXXX ) to purchase a new house. My XXXX credit score ( depending on the credit bureau ) ranged from XXXX to XXXX. Except for the property I sold, the only other outstanding debt was on my car. I have never been late for any type of payments. The purchase of the new house was based on a {$300000.00} sale price, me putting {$50000.00} down, and a 30-year fixed rate conventional mortgage. When the inspection of the new house was completed and I wanted to move forward and finance the purchase, I asked all XXXX firms for final financing quotes to be able to lock the rate. The offers ranged from 4 % to 4.4 %. However, the closing costs/cash to close, based on a {$35000.00} downpayment ( the firms stated this amount, not me - since I could afford {$50000.00} ) were {$21000.00} ( XXXX ), {$27000.00} ( XXXX ), and {$47000.00} ( BOA ). Nobody I spoke to, even the realtor, could explain why the closing costs were so high. It meant I had to find at least {$56000.00} to purchase the property ( {$35000.00} downpayment plus {$21000.00} in closing costs ). Th  realtor says there may have been a change in the rules that she was not aware of. I had to cancel the purchase of the house.
Consumer complaint received 2018-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I filed bankruptcy 3 years ago this XX/XX/XXXX. This credit card is in it. All my accounts are closed on my credit, but this one. My attorney is aware of this and told me to contact you directly to get it fixed. My credit report is in the final stages of bankruptcy and all accounts are closed. The portfolio credit card is in there under a collection and needs fixed or removed. Thanks
Consumer complaint received 2021-01-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY XXXX XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2018-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have been in a constant struggle with Navient in reference to my astronomical student loan debt. I have been paying since XX/XX/2011 and have had problems at every juncture with this company. I can not begin to explain the stress, aggravation, and complication my mother and I have experienced with dealing with Navient. There has been instances when customer service representatives provide the wrong information, place is on long holds then disconnect the call only to repeat the call process sometimes three or four times in order to speak with a customer service representative. Furthermore, the money allocated has never been allocated properly. I have also not been able to pay XXXX a month and have taken forebearances. That only makes matters worse and increases your payment after three months. All in all I have been screwed by Navient from the start and someone needs to hold them accountable for there terrible customer service, there unforgiving mistakes that have caused me and my family stress.