davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Ive been given the run around after depositing a XXXX dollar check. Ive been told my account is under review there was some wrong with the check then told the check was fine then they said my account was on hold still under review Ive called everyday just to try to get my funds I even OFFERED for me to go in and just get a cashiers check for MY MONEY got told no. Then I was told I could do that went in and was told again NO then I was told that Monday XXXX that my review was done needed to wait for a letter then today got a call from XXXX XXXX bank in XXXX was told tomorrow XXXX that I can go in and withdraw XXXX and get a check for the XXXX then again got a call again today that they officially closed the account and they withdrew the funds so now its at XXXX. STILL NO IDEA WHY! And that they are mailing a check I said Ive explain numerous times I WAS UNCOMFORTABLE WITH THAT!! then I was told it would be over nighted ( NOT THE CASE ) they havent generated the check AFTER THEY SAID THEY DID. So its ok that they stole my money, originally I wasnt even going to be told. Thank god XXXX from XXXX, XXXX branch called me and fair warned me! Otherwise I WOULDNT HAVE KNOWN. STILL i asked can i go in and pick up the check then. Got told NO! the way i see it Ive been given the runaround FOR WEEKS! No money for almost a month!!! This is insane not right!!!!
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/XXXX the IRS sent to XXXX and all of the Credit Bureaus the Form XXXX, Withdrawal of Files Notices of Federal Tax Lien, or Form XXXX, Withdrawal of Files Notice of XXXX XXXX XXXX after Released, at the recording office where they ( IRS ) had filed the notice of lien. I requested to XXXX to remove/delete those specific records ( Notice of Lien Serial Numbers : XXXX, XXXX ) and they responded with he following completed investigation : The Results Of Our ReinvestigationPublic Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Filed XX/XX/XXXX ; XXXX XXXX XXXX Recorder ; Case or ID # XXXX ; Amount {$24000.00} ; XXXX XXXX ; Released XXXX ; Verified XX/XX/XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXXLien Filed XXXX ; XXXX XXXX County Recorder ; Case or ID # XXXX ; Amount {$31000.00} ; XXXX XXXX ; Released XX/XX/XXXX ; Verified XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX -- Please help me to resolve this matter with Equifax because it 's affecting my credit score and my personal life. Please find enclosed the IRS letter sent to me, Equifax and XXXX XXXX County Recorded agencies.
Consumer complaint received 2016-04-06
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

had a student loan from sallie mae around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to XXXX XXXX and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.
Consumer complaint received 2016-09-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION (FL)

Original creditor continues to sell collection included in a XX/XX/XXXX chapter XXXX discharged bankruptcy. The new open collection has been removed in the past and returned under a new company. The collection is from XXXX XXXX and should be deleted and not appear as an open collection,. I disputed with XXXX and status remains open and states consumer disagrees it should not be open. Creditor needs to close or delete collection per BK law or be fined.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: NCB Management Services Inc. (FL)

NCB MANAGEMENT SERVICES , INC . 
XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : XXXX XXXX Contacts my work cell phone continuously for a debt collection that I am not the consumer I am the consumers daughter they continuously harasses me even after verbal requests not to contact me and a written letter was sent with the Consumer Protection Act was quoted and sent XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

My name is XXXX and I was a previous student at the XXXX that was shut down on Tuesday XX/XX/XXXX. I XXXX with my XXXX XXXX degree in XXXX in XX/XX/XXXX. Since attending the school I have obtained {$100000.00} of student loan debt from private loans and Federal Government loans. While attending the school I was promised and guaranteed that I would be able to obtain a job that would make the same amount of money that I invested into the school. When I was attending the school the Financial Department never went over the terms with me and how much money was being financed for the courses. Also the Financial Department denied me each semester of Financial Aid which was observed because I only made less than {$40000.00} a year. At the time I was living with my parents due to XXXX difficulties. 

The second vendor that XXXX was associated is with Navient. With Navient I owe {$75000.00}. With Navient I have XXXX different forms of loans. The first forms of loans is called Subsidized and Unsubsidized loans. The Subsidized/Unsubsidized loans are provided by the Government. The second portion of the loans is called XXXX. The XXXX is provided by Navient. After researching the open loans Navient opened in my name there is XXXX in particular in which they claimed I went to XXXX in XXXX. The school was taking loans on my behalf without letting me know in areas I have never been. That portion of the loan I owe is {$22000.00}. When I called Navient and ask them why there is a loan taken out in my name for the XXXX in XXXX that they are not sure but they told me that I am required to pay it. I never been XXXX and never attended school in that location. The only XXXX I attended was in XXXX VA for my XXXX. Next I attended XXXX, VA for my XXXX
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, " If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A BOA representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

MOHELA keeps calling me, trying to get me to make payments and emailing and dept of education too, but I am a current attending student and should be in in/school deferment. MOHELA is trying to force me to start making payments or else I will be stuck into default. These student loans are already unconstitutional, as all rights to uniform bankruptcy and borrower rights and protections have been uniquely removed from all student loans. As a result, current lender, MOHELA, and the Department of education are now doing whatever they want with me, forcing me to default in the past, have to rehabilitate my loans to get back to school, and now that I am in school, they are trying to force me into repayment or default again. Not a single MOHELA rep will answer my calls or emails and dept of Ed will not help either. I need immediate assistance so I dont get forced into default again and kicked back out of school because of their incompetence.
Consumer complaint received 2022-09-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/19 XXXX {$20000.00}
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

To Whom I t May Conc er n : Amazon made an unauthorized purchase/auto-billing from my Amazon Store Card o n  XXXX / XXXX /  XXXX   ( affiliated with Synchrony  Bank ) for Amazon Prime Renewal (   {$100.00} see  XXXX _Amazon_Statement ).     I have used my  XXXX   XXXX   XXXX  debit/Visa card in the past to automatically renew to  my Amazon Prime m embership ( see  XXXX _ XXXX _statement  XXXX  ), which is still in good standing and not expired. The only logical reason that  Amazon would bill their store card without my authorization was that Amazon was  hoping to help its affiliate Synchrony Bank cash in on their 26.49 % APR ( see  XXXX _Amazon_Statement page  2 ). To make matters worse, the Amazon store c ard is set to a default setting to receive no text or email ( see  XXXX _Amazon_Account_Summary ), so it will go unnoticed by the consumer and surprisingly, Recurring payments is set to off which begs the question, why was I charged with that setting on? Please see   XXXX  _Amazon_Account_Summary.   I was charged with a late fee ( on  XXXX / XXXX /  XXXX   see   XXXX _Amazon_ XX/XX/XXXX _statement ), be cause I was not aware of the unauthorized transaction that took place over a month ago.     I am concerned about this happening on a larger scale aimed at hurting consumers and that the risk/reward factor greatly benefits  Amazon and its Affiliate bank Synchrony to harass its customers in this way. I have been on the phone with Amazon and Synchrony today (   XXXX / XXXX /  XXXX    ) to try  and resolve the issue.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX  , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact m y    commanding officer of my command  if i d id. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Consumer complaint received 2016-06-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (NH)

i have a collection agent trying to collect on some thing i no nothing about. i asked the the original creditor 4 years ago for proof they refused to send me anything.now i got a collector doing the same thing. i sent them a letter of debt validation and they wont comply i have disputed with the credit bureau 's but you might as well bang you head on the wall
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I previously dispute these fraudulent account on my credit report with out my knowledege and the credit bureaus only removed 1 account and update the rest. None of these accounts on my credit report transaction are done by myself. I am asking that these accounts to be remove immediately. I do not understand how XXXX, XXXX  and experian reporting fraudulent accounts. I have never done business with such companies.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of American has wasted XXXX hrs of my time between yesterday and today. I contacted Bank of America yesterday about refinancing my mortgage, which included rolling in the HELOC held by Bank of America. I had XXXX conversations with the loan officer and reviewed the hypothetical offer he sent to me, which was exactly what I told him I did n't want. He said they ca n't roll the HELOC into the refinance, and he lied about significantly reducing/almost eliminating the closing costs. So, I called Bank of America today to ask about an increase in my HELOC instead. I 've been trying to get to the right office for over 1.5hrs and I 'm still on hold. They disconnected me twice, they 've transferred me to XXXX different people, and left me sitting on hold for a ridiculous amount of time. I make my monthly payments and they 're not doing their jobs by failing to provide customer service related to my loan. They also refused to answer my questions about a refinance online and they told me I had to call, then they wo n't put me thru to the right department.
Consumer complaint received 2017-05-23
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. (NC)

On  XXXX   XXXX ,  XXXX  I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In  XXXX  of  XXXX , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my   XXXX   XXXX   XXXX   XXXX   XXXX   if i did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (RI)

On XXXX I XXXX XXXX the consumer, sent XXXX, XXXX, and EXPERIAN ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or XXXX  I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN XXXX