davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My name is XXXX XXXX. On XX/XX/2019, I submitted a money transfer inadvertently to my ex-wife 's account. I immediately called USAA and tried to reverse the payment. As it was a USAA to USAA money transfer, the representative stated he could not cancel or retrieve the payment. I informed the representative, that this was to my ex-wife and we are not on amicable terms. I asked if he could reach out to her and request the transfer be reversed. He refused and stated even though it was a mistake it has been done. I then asked to speak the executive resolution team. After being on hold for 20 minutes, I was told they are busy and they would return my call later. As I work abroad, this was cumbersome at the least. After the call, I completed some research about whether I my ex-wife could keep the funds from the transfer and the banks responsibility. The bank is required to be your advocate and attempt to reach the other party to see if the party will release the funds. As of now, USAA has done nothing to assist and has failed to be helpful at all. For anyone else in this predicament, you have legal rights to obtain your funds for inadvertent fund transfers. The key to a return without legal intervention is for your bank to be proactive and advocate for you. Additionally, this is needed as proof if the other party refuses to return your funds. I am truly disappointed in USAA in this matter. I have been a faithful member for almost 20 years. I would assume the loyalty in itself would mandate at least a letter or call from the institution to the other party. I will be looking for other banking institutions that treat their members better.
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (NJ)

I was reported to the credit bureaus for owing XXXX {$4300.00} by Receivables Performance. I was never contacted by phone, e-mail or mail about this alleged debt. I never received an itemized statement from XXXX. I was never given the opportunity to dispute the amount in question. My credit is now tarnished because of improper service and communication on the part of XXXX and Receivables Performance.  My rights under the FCRA has been violated as I have been advised by legal counsel. In addition, I want both XXXX and Receivables Performance audited for past and current practices in regards to validity of debt and debt collections protocols and procedures.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (LA)

US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.
Consumer complaint received 2017-08-10
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. (UT)

I had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.
Consumer complaint received 2021-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ORG GC GP BUYER, LLC (GA)

My original student loan debt is owed to the XXXX XXXX XXXX XXXX, and I contacted them years ago disputing the balance of my student loan, which at that time was {$7100.00}. Unfortunately, my student loan account was never reconciled by XXXX ; however, my account has been transferred to numerous ( XXXX or XXXX XXXX collection agencies over the years, and each agency has added on unethical collection fees and interest. The present owner of my student loan is XXXX XXXX XXXX XXXX, and total principal and interest was noted as {$16000.00} in XX/XX/XXXX. I have spoken with several representatives of XXXX in attempts to rectify my account, but I was informed that collections are handled by GC Services Limited Partnership, XXXX XXXX, XXXX, TX XXXX. In XXXX, I paid {$2500.00} in student loan interest ; in XXXX, I paid {$5700.00} in student loan interest to XXXX. 

I submitted a settlement offer XXXX XXXX XXXX to GC Services, but I have not heard from them, and I have not received any written communication from XXXX or GC Services since XXXX ( the midst of the coronavirus epidemic ). Is it possible that the recent natural disaster in Texas which left millions without power and clean water has affected standard ethical business procedures for many corporations doing business in Texas right now? 

Yesterday, XX/XX/XXXX, my employer informed me that garnishments are to resume in 3 days for approximately {$700.00} per month. As most people, I have experienced financial issues during this world-wide epidemic and it would cause me great hardship during this time to pay {$700.00} each month. I was under the understanding that student loan collections are still on hold due to the XXXX pandemic and I'm requesting a moratorium on my student loan, as directed by President XXXX in XXXX orders and/or other legislative agreements made during this pandemic.
Consumer complaint received 2022-11-18
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (OH)

My complaint surrounds the overdraft policy that Key Bank follows. When an account is over drafted by any amount, there is an overdraft fee charged AT THE END of the next business day. A personal example is, on XX/XX/XXXX I had lost my debit card for my primary checking account so as I waited for my replacement I used my Key Bank account. I electronically transferred the money that I planned on using for each purchase over to the account each time I used my card. At the end of the business day, I had transferred {$0.00} less than I had spent. I noticed this error and transferred more money to the account the following day and used my debit card for a few more transactions. At the closing of the next business day after my account was overdrawn {$0.00} my account was charged a XXXX dollar overdraft fee. The next day I realized this, and since it was my first overdraft they waived the fee bringing my account back positive. Although they do not charge the overdraft fee until the closing of the next business day, they list the transaction of the overdraft fee as the first transaction for that business day, so the day that the fee was charged, since it was the first transaction, it created another overdraft fee for the next business day after the XXXX   transaction. For someone that only keeps money that is being spent in that account, this cycle of fees will continue because of the fee being charged as the first transaction instead of the last transaction at the end of the business day.
Consumer complaint received 2024-05-18
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (NY)

I alerted FNBO on or about XXXX about filing a dispute about a charge from XXXX XXXX They were in breach of contract when providing personal training services. I notified the credit card company that I would like them to investigate and reverse the charge because I did not receive the agreed services. They took approximately three months to follow up, requesting information I had already sent them two months prior. 
I called on or about XXXX to follow up on the status. The agent could not provide any details or progress on the requested information. I have noticed that XXXX charged three additional charges for the same amount I am disputing. 

Seemingly, they have not prioritized this, and nearly XXXX months later, they are dragging their feet to decide on this complaint. I requested a call back from an investigator, but to this date, I have heard nothing.

It is my understanding that they have 90 days to make a decision, which has already passed. I would like them to clear my account of any charges from XXXX XXXX and credit the incurred interest charges that have resulted. I have never been late on payment to this company despite their inefficiencies.
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

K so one of my emails got hack password changed and kicked me out completely took pictures of me my kids my wife banking info and my XXXX was hacked as while could not get it back for two and a half weeks so I decided to check my pay pal and I see 8 to 10 luge transaction of money going offshore amounts of XXXX XXXX XXXX and there are probably 4to 5 more transactions so I made new email did a data breach report said I was breach like46 times or more and that XXXX XXXX was moved in my name so I made two more email and been hack both times so I have a report out now but a lot of it seems like I being me to be a non us citizen but that's not true was born in United states of America new york
Consumer complaint received 2020-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (NY)

On XX/XX/2020 @ XXXX I called XXXX @ XXXX to get the automated customer service center to check my savings account transactions. I've been expecting a large sum of money and wanted to find out if it was deposited or not. When I went threw all the prompts including my access code/pin # it kept coming up incorrect. I called again and waited for a Rep. I was told that a new system was imposed a few months ago and that I had to set my pin again. She said in order to do so I had to use the first two numbers of my birth month and the first two numbers of my birth year to get into the system and then I can use my old number if it was within the guidelines which it was. I called again and did as instructed and it didn't work again. I called back again and had to wait approx. 15 minutes to talk to a Rep. He said that because it didn't work I needed to speak to a Tech who would correct the problem and that  someone would call me back. I asked how long and was told by XXXX closing time. No one ever called back and I need to know if the money was or wasn't deposited so I can go back to that company with a possible complaint. I was on the phone over a half hour and accomplished nothing. I told them I was seriously considering transferring my account elsewhere. This is not the first problem I've had with them. call ended XXXX
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

This is the second day in a row that I have received a prepaid unemployment benefit card causing fraud against me by using my name. Yesterday ( XX/XX/20 ) I notified the credit bureau of this fraud issue. This prepaid card is from Ohio, yesterdays was from Colorado. These are US Bank Reliacards Visa debit.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After decades with Bank of America, our accounts were closed without warning and without reason. We found out that our credit cards were cancelled when we attempted to use them at the store. They left us scrambling to set up a checking account to make sure we could make payroll and keep our creditors paid. Having no explanation for closing the account is bad enough, but the lack of warning just seems cruel, at best, to do to a non-profit school.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

I had a charge that was pending on XX/XX/2019 I transferred funds from one of my checking accounts to the checking account that had a pending charge. I checked my account after midnight and it showed a {$0.00} balance. I had my payroll got into the same account and checked again today XX/XX/XXXX first and seen I was charged a insufficient funds fee. I have had my problems with this bank charging me multiple fees and not wanting to credit them back. I put funds in the account to avoid a insufficient funds fee and still was charged.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed paid released tax liens that were ony credit report and they were removed. A copy of an updated credit report was sent to me. I went on the Credit Bureau 's website to check my credit score and saw that the items were put back on. When I spoke with a customer representative he advised me that it was never removed and would be on there for 7-10 years. I told him I had a copy of my credit report with the items deleted and was told I did n't and it was never removed. He then continue repeating that it would be on there for 6-10 years before being deleted.
Consumer complaint received 2022-04-05
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. (NC)

In accordance with the Fair Credit Reporting Act multiple companies between XXXX XXXX XXXX have violated my rights. 

25 U.SC 2681 section 602 A states I have the right to privacy.

15 U.SC 2682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

I have a mortgage with Flagstar Bank. They offer autopay, but they will only let you sign up within a particular timeframe ( e.g., X days before your montly payment is due ). I have tried several times to sign up for autopay, but since it is not X days before the due date, they will not let me. I then get charged late fines when I don't remember to pay on time. This would be avoided if I could sign up for autopay. It appears that they are employing this policy to discourage customers from signing up for autopay so as to earn more money in late fees. I can only imagine that the same has happened to other customers.
Consumer complaint received 2017-06-04
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. (PA)

The department of treasury took my income tax fo r 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
Consumer complaint received 2020-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was shopping at XXXX in XXXX at XXXX XXXX  on XX/XX/2020. When I finished shopping and went out of XXXX, I found that 4 cards in my wallet were missing. One of them was a Bank of America card. I opened it XXXX XXXX, I found that my card ending in XXXX had been swiped for three {$1.00}, {$13.00}. {$78.00}. I immediately called the bank and asked the bank to freeze the card, but because of my poor English, the customer service did not freeze My card. As a result, my card was later swiped for {$260.00}. I saw that the merchant who swiped the card was the XXXX where I was shopping. I came to XXXX again and told the staff that my card was stolen and I wanted to check the surveillance. But the worker in XXXX said i had no rights to check the surveillance and asked me to report to the police. I called XXXX. The police just gave me an Incident report RP XXXX, XXXX Police Department telephone number XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, Bank of America refunded the money, but two days later, for various reasons, it said that it was the card authorized by myself or myself, and the money were swiped away agian and refused to refund by BOA. 
When the end number XXXX card was stolen, I knew that the balance in the card was {$520.00}. If I did this, I neednt have to try to pay {$1.00}, {$13.00}, {$78.00}, and then {$260.00}. I can pay {$500.00} at a time. 
And i have thousands of money in BOAI opened this credit card and deposited a deposit of XXXX until XX/XX/XXXX, XXXX.Why i cheat for {$350.00}? But the BOA think i did that, it insult my personality. That why i writer here.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNTRUST BANKS, INC. (GA)

SUNTRUST reported on my credit report. I realized that this account is not mine. I tried contacting XXXX   and SUNTRUST with no successful resolution. There was definitely an error on their part. I have never applied for this account.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American Express reduced my credit limit from {$10000.00} to {$2400.00} in XXXX XXXX. This action ruined my credit score and Im still being affected by it 6 months later. The reason in their message sent to me on XXXXXX/XX/year> was after a recent review, your credit limit has changed. 
I always made my payments on time and to this day Ive never been late with payments on any credit cards, but because of Amexs sudden and drastic action my credit score fell XXXX points and made my other credit card companies panic & lower my credit limit. 
I got cash advances from Amex while I was studying for a professional exam to get back to my higher paying professional career. I passed my exam and got a high paying job but Im still poor because I pay hundreds of dollars of interest every month and all my paychecks goes to paying bills. This is all because of American Express ruining my credit. No bank gives me 0 % transfer cards so that I can pay off my debt. All my cards are 29.99 % interest same as Am Ex. Ive paid American Express all my payments on time and at least {$500.00} in interest at 29.99 % rate so they made money off of me while they ruined my credit and made me lose so much money.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL CR UNION reported on my credit report. I realized that this account is not mine. I tried contacting both XXXX, XXXX and XXXX. NAVY FEDERAL CR UNION with no successful resolution. XXXX. There was definitely an error on their part. I have never applied for this account.
Consumer complaint received 2019-11-01
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. (TN)

Please remove any, and all fraud alerts from my Experian Credit Report. I've tried to upload the form, front ID scan, and my bank statement as proof of address many times to the upload portal but am unable to.