davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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: I.C. System, Inc. (IA)

On XX/XX/2020 XXXX, XXXX, and XXXX XXXX; added a derogatory mark on my credit report from I.C. Systems. Upon further research, this account was transferred. I was never contacted by XXXX that I owed any debt or authorizing such. 
I.C. Systems never contacted me to dispute the validity of this account. There is no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the F.C.R Act. They have violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Consumer complaint received 2018-02-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

I am an XXXX XXXX military member who got orders to move to XXXX from XXXX. At that time over 2 years ago I requested a short-sale as I was unable to pay for the mortgage. I was told on several occasions that my account was not eligible for a short sale and they constantly threatened foreclosure. Over a year later I found out from my command that not only was I eligible for a short sale due to my PCS orders to move it would be an easy process. I again reached out to Citimortgage and argued this point at that time they agreed that I was eligible for the shortsale, Since then it was approved. I had a buyer for the amount that they requested. Later i found out that the decided to changed the amount. I lost that buyer not at a higher price of XXXX, they are not asking for more documentation like I need to reapply for the shortfall. This is overwhelming. I am a military XXXX XXXX and my wife is dealing with severe health problems.
Consumer complaint received 2021-08-20
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'm single male and no other authorized user. I didn't use my VISA for over 2 years. My other credit card purchases are normally under XXXX dollars. When I decided to use this problematic VISA Bank of America last XXXX, fraud charges of over XXXX dollars suddenly appeared on my bill. You can easily spot fraudulent outliers. All the other suspicious fraud charges were reversed except for one transaction with verabradley.com amounting to {$260.00} dated XX/XX/2020 ( see billing statement ). I was working in Alaska for almost 10 months from XX/XX/2020 onwards. The company repeatedly refuse to reconsider the fraud stating that an authorized user ordered it. I never ordered, authorized and have no other user for the card.I am single. My normal charges in other credit cards rarely exceeds {$50.00}. Red flag for that verabradley charge. I tried to complain via telephone 800 call, letters, certified mail, and even going to a branch location & banker in XXXX, WA to discuss but the request fell on deaf ears.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I received a welcome package from TD Bank today, XX/XX/XXXX21. 
Inside were three checkbooks with a welcome letter. 
I was surprised to open this because I have not opened any such account. I immediately called TD Fraud department where they advised me that the account had been opened online around XXXX XXXX, 2021. I never opened such account online or in person. I was advised by TD fraud department that Drivers License and SS number were both required in order to open up this account, neither have been used by me for this purpose so someone has stolen my identity to do this. TD assured me they were going to be doing a full investigation, and instructed me to contact the credit bureaus and also the FTC.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX an unknown individual walked in to a Navy Federal Credit Union branch, claimed to be me, and was able to withdraw {$8000.00} from my savings account. Navy Federal themselves became aware that it was fraudulent that day and called me to alert me of the fraud. A police report was filed. I submitted documentation to Navy Federal ( Form NFCU 82 ) on XX/XX/XXXX and again on XX/XX/XXXX stating that it was not me who withdrew the funds. It was confirmed via phone on XX/XX/XXXX that NFCU had received the documentation via their app. The funds were not refunded to me. I have spend roughly 5+ hours on the phone with Navy Federal to have them refund the account, three times I have been on the phone for over an hour only to have them disconnect on me. There has been zero progress as far as refunding the money. On XX/XX/XXXX I received a notice from NFCU stating they had received my submission ( form XXXX ) of fraud and that I would have a response after 10 business days. It has been 10 business days and I have not received my funds or a response. I have no further option than to pursue legal action. It has been 49 days since my NFCU fraudulently gave my money away and they have yet to return the money or communicate a plan to return the money.
Consumer complaint received 2020-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation (CA)

I have already filed a complaint against National Collegiate Student Loan Trust ( NCSLT ) # XXXX-XXXX. I was encouraged by my " for profit '' XXXX  school to take out predatory private student loans while I attended their school for almost 10 years at the rate of approximately {$5000.00} per semester. I never graduated, and am now a XXXX XXXX  XXXX XXXX  rated as individually unemployable. I have a very limited income, and can barely pay my rent since my ex-husband left and stuck me in a lease of $ XXXX/month ( which takes up 99 % of my XXXX check ). Although all of my federal loans have been forgiven due to my military  XXXX status, NCSLT insists that I owe approximately {$120000.00} with ever increasing interest. After the last dispute/ investigation, NCSLT told investigators that they didn't know who I was, and so the investigation was passed onto their collection agency, XXXX , XXXX . Since then, however, I received mail from XXXX XXXX stating that NCSLT intended to sell my financial information to others unless I returned their form with the appropriate checked boxes. In addition, NCSLT has now hired a new collection agency- Patenaude & Felix , A.P.C. See attached documents. I fear that NCSLT will continue to ruin my credit due to these predatory private student loans that were heavily encouraged by my " for profit '' graduate institution that targeted students that were either immigrants or else were the first in their families to attend college prior to 2008.
Consumer complaint received 2024-05-23
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: Bull City Financial Solutions, Inc (NC)

BULL CITY FINANCIAL SOLU Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX : Original creditor XXXX XXXX - XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XX/XX/XXXXOpened : XX/XX/XXXX Balance : {$580.00} XXXX : Original creditor I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Consumer complaint received 2018-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (FL)

My Private Education Loan provider, XXXX XXXX XXXX, received payment in full from the assignment of XXXX XXXX XXXX XXXX during enrollment. XXXX XXXX XXXX and XXXX XXXX practice was to fund educational classes with private loan funds and apply student approved Financial Aid to cure outstanding educational balance. All Federal Aid funds disbursed to College was applied to any outstanding balances leaving a XXXX loan balance and should be reported correctly to all three credit reporting agencies.
Consumer complaint received 2022-10-14
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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2022 my identity was stolen. A XXXX XXXX XXXX XXXX was illegally purchased by establishing a 24 month financing program under my name. I did not make this purchase, know nothing of it or the financing program, and Ive never even owned a XXXX product.
Consumer complaint received 2023-03-27
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: Cascade CISS Holdings, LLC (PA)

I was made aware 20 minutes ago that Credit Plus XXXX XXXX  XXXX XXXX XXXX XXXXXXXX pulled a hard pull on my consumer files. I did not authorize this company to authorize any pulling. I dont even know who this company is XXXX I am dealing with brokers in Pennsylvania and I stated Soft pull only to everyone. 

This is 100 % unauthorized and I demand it removed immediately or I will sue according to XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (PA)

Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report
Consumer complaint received 2022-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Hi, I currently paid {$1000.00} to my FedLoan Servicing : https : //myfedloan.org/. They accepted the Payment on XX/XX/XXXX but the remaining income stay the same. The orignal amount was {$5900.00} but it did not go down to {$4000.00}. They accepted payment and tells me they couldn't find my payment record for XX/XX/XXXX.
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (CO)

On XX/XX/2021, XXXX XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (AZ)

Having a XXXX XXXX XXXX Visa and a XXXX XXXX XXXX by XXXX XXXX and Bank Debit Card, for approximately the last 2 years these cards purchases were continually be " Declined '' or the merchant was being told to " Manually enter the Card Information '' entertainment activities Charges were continually being " Declined for rhetoric reasons '', text messaging for account balance were continually being manipulated with a " lower balance '' Treasury Deposits were being delayed. I have changed Banks to XXXX and the same " Text Manipulation for balance '' Now that I Bank with XXXX the same problems are reoccurring and I have been told that the " ELAN FINANCIAL SERVICES '' Monitors XXXX XXXX Bank Cards and XXXX Bank Cards and XXXX XXXX XXXX Arizona. It is my assumption that this problem was done purposely and intentionally to disrupt and confuse up to date balances and spending.
Consumer complaint received 2018-02-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however XXXX did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from XXXX and from Experian to report the information correctly and I can't seem to get anything resolved. I really need your intervention.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NE)

This started on XX/XX/2021. I had {$600.00} in my bank account from Friday after receiving my paycheck to Monday, did not make any other transactions. I had the day off and took my kids to XXXX XXXX XXXX 's and out to lunch, totally out to be {$140.00}. Waking up on Tuesday, all of a sudden my account was negative. Not only negative but already 2 overdraft fees attached to it. There were some preauthorized bills that were supposed to come out of my account, but the XXXX, I still had plenty. However, since that day I have received 17 overdraft fees of XXXX dollars each. I have made the account positive, and then another charge of XXXX. {$610.00} in overdraft fees in a matter of 2 and a half weeks. They waived 3 of those charges equaling to XXXX, but has not stopped continuing to charge my account. 

I am a single mom of XXXX kids, I pay attention to my money and have had this account for 11 years and have NEVER had fees like this. US Bank has not done much to help with this situation, and have just been taking my money.
Consumer complaint received 2021-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

Step 1 : What is this complaint about? 

This complaint is about a HELOC with BMO Harris Bank. 

Step 2 : What type of problem are you having? 

We are having problems getting the money for the loan after the closing paperwork was completed. Without having copies of the closing paperwork to review in advance, we had to sign blindly on the online notary agent. 

Step 3 : What happened? 

The complaint has two areas of concern : 1 ) BMO did not share the closing statements for us to review prior to the loan closing. They gave us an electronic link to the documents, but the documents were not found on this website. Our paperwork was signed XX/XX/21 and allowed for 3 days to cancel ; however, we didn't get the notice until XX/XX/21 when I contacted XXXX XXXX to ask where our copies of the closing documents were at that time she sent them to me electronically only after I asked which was too late to cancel. 2 ) BMO is lagging in sending us the loan funds ; we signed on XX/XX/21 and the funds were still not deposited into our account on XX/XX/21. Where is our money? We bank with BMO electronically and this could have been done on the day of the closing! I'm assuming they will charge interest beginning on XX/XX/21? In addition, they took our money and paid off an existing HELOC loan for the wrong amount. When I asked why they didn't get a correct payoff figure before paying off the loan, XXXX told me that is not their practice, BMO just pays the amount from a prior statement and we have to try and get the money back from the other HELOC lender. 

Step 4 : What company is this complaint about? BMO Harris Step 5 : Who are you submitting this complaint for? XXXX and XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions , LLC sent me a debt collection letter I sent a dispute and asked for verification, which they have not provided. They continue to call ( sometime multiple times per day ). They claim they never got the request for verification but I sent it certified and the post office delivered it on XX/XX/2020.
Consumer complaint received 2021-02-04
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: ID Analytics, Inc. (GA)

So, over the last 6-12 months, I have been active in disputing XXXX XXXX  Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners (GA)

XX/XX/2021 Affiliate Asset Solutions LLC reached out to me via mail and also by cell phone constantly at inconvenient times of day. I dont even want to answer my phone because they harass you. I didnt agree to sell my information to this company and each call I a willful attempt to disregard my rights as a consumer. No validation was provided as per my request and there for that is another violation. 

I have a piece of mail as proof. I highlighted Exhibit A which is 15 USC 1692 B ( 5 ) and the clear violation according to 18 USC 1342. 

I have a for your records a photocopy I will attach for you to review. As well as call records that clearly display consumer harassment and the agency calling at irregular and inconvenient times
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

XXXX Called me today claiming I owed a debt from 2007 from of all places as a pay day loan. I do not owe that debt and have never used those services. Total lies. Do not even pick up the phone if they call you.
Consumer complaint received 2021-02-04
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and HSBC Bank. The Account Opened is HSBC Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$27.00}, XXXX. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.