davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I made the payment on  XXXX   XXXX  i handed a check to teller the check was cashed and money was deducted from my account on  XXXX / XXXX /  XXXX   i recieved a call on  XXXX / XXXX /  XXXX   about a missed payment i returned the call  XXXX / XXXX /  XXXX   told huntington national bank that i had made the payment they wanted a fax of check front and back i went to my bank pnc faxed it on  XXXX  called huntington national to have them verify recieving it they said it would take a day to go through i called again on on  XXXX / XXXX /  XXXX   they was unaware of the fax then found it said it would have to be researched i called again  XXXX / XXXX /  XXXX   and was told that it needed researched i have given huntington natio nal 4 w orking days to repair my credit report and havent had it done yet i would like my credit history mended and account current
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management has been harassing me about a debt for awhile and will not remove it from my credit report. I have written letters to them to validate the debt. Each time they will not provide me with documents that I request. 

They have been asked to provide a document with my signature to show a contract was created for the debt but they do not and instead just send me a generic form they use which always seems to have the phrase " We are uncertain of what you are specifically disputing. '' I also indicated I have no contract with them between myself and their company. They will never respond to this either. They are trying to collect on a debt that has been in dispute. It is crystal clear what I am asking. I ask of them to provide me documents to reserve my consumer rights.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

My h usband and I are both retired and we did a debt consolidation with One Main Financial b ack in   XXXX  . Our total loan/ cash advances totaled {$75000.00}. To date, we have paid {$77000.00} but their statements still show that we owe {$75000.00}! We requested an itemized statement of all payments, just to make sure our payments matched theirs and it did. We paid roughly {$800.00} a month, every month however, over 90 % went to interest. We asked for an amortization schedule so that we can see how to pay this loan off without bankrupting ourselves. The  manager  said there was none on " This type of loan. '' She further said that it worked like a revolving line of credit, like a credit card. If that is true, why has n't the balance decreased after making steady payments for the past 8 years? They are now threatening to take our home because of this predatory loan.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX of 2018, I opened a Business Fundamentals Checking account as well as savings at the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX with a business check written in my business name in the amount of {$21000.00} for products to be shipped. I was informed by the bank that the funds would be available on XX/XX/2018. However, upon checking my account earlier this week XX/XX/2018 I discovered I was unable to access my account. I visited the Bank of America to be instructed to call XXXX XXXX XXXX without an explanation other than my account is only able to accept cash deposits. When I called XXXX XXXX XXXX the representative told me the account was closed without cause as stated in their agreement and the check did not clear. My account prior to my inability to access it online showed that the check had cleared and that a debit was made and funds being held which is also confusing. I had no idea my account would be closed because of bad check especially after being assured everything would be okay.
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

I received a notification early XX/XX/XXXX from XXXX XXXX that account has been placed in collections. This account is from XX/XX/XXXX no specified date I have no knowledge of this account no knowledge of this company and never received any services from this company. I took a look at the XXXX reviews for this company and it seems that multiple people have had the same issue for the same date in the same year. This is fraudulent it has had a negative impact on my credit. The name of this company is XXXX XXXX. Located XXXX XXXX XXXX XXXX XXXX Michigan XXXX.
Consumer complaint received 2024-02-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On or around XX/XX/XXXX, I opened a personal checking account at a Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Almost immediately after I opened the account, the account was somehow compromised and someone began making XXXX and later on, card transactions. Up until XX/XX/XXXX, I did not know my account was being used by someone else in a foreign country ( XXXX of all places ), as I used this account as a " surprise '' savings account. By surprise, I mean that I deposited as much money as I could without checking the balance. Chase also for some reason, NEVER sent me any monthly statements. I never used the debit card or purchased anything. I made only two cash withdrawals from my local branch totaling {$3400.00}, both on the same day, to pay for a large business expense, which my husband promptly refunded, and I then redeposited. I set up the online access when I initially opened the account, but never logged in, not even once over the last year or so ( which I understand is unusual to some, but the equivalent of throwing cash under the matress ). All of my deposits were made in person up until around XX/XX/XXXX when one of my new cleaning jobs decided he could only pay with " XXXX '' which I connected. Being that I keep secure digital copies of my debit cards with me, I set up the XXXX to receive deposits and continued depositing at my local branch. Finally On XX/XX/XXXX, I decided to check my savings. Initially I tried to log in using the username and password that I originally set up at the branch. Which did not work. I got my husband to come help. We recovered the username using the account number and my social security number, only to find out it had been changed to something different. When we tried to recover the password, the phone number was also different. I called Chase customer service and they asked me if I still had the same " international phone number '' to which I was baffled. Luckily the nice lady on the phone was able to change my phone number back to my cell phone number and we were able to reset the password and log in. Upon logging in, I was disheartened to find that my balance was {$4.00} and not the $ 15k or so that we were expecting. We were saddened to see page after page of XXXX and card transactions from someone using our account as theirs. Receiving XXXX deposits from god knows who, in addition to mine, and just living a luxury life of spending my money at restaurants, hotels, and other businesses. Also, this person had set up the Chase mobile app on their phone and remotely deposited fake checks of almost {$2200.00}, which of course bounced and charged the account. The pictures of the checks are on my deposit history and you can clearly see that they are not signed by me and are written in XXXX.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

Hello, After the official announcement regarding the Biden-Harris Administration 's Student Debt Relief Plan on XX/XX/2022, I followed up with my federal student loans servicer, EdFinancial to request a refund on a payment I had made during the COVID-19 pandemic debt relief ( CARES Act ) and received inconsistent information regarding my refund. 

I first called EdFinancial on XX/XX/2022 to request a refund of {$2000.00} ( {$2000.00} principal and {$17.00} interest ). The representative ( XXXX  ) informed me that I would receive my refund in 120 business days and that I would not receive a confirmation about this refund request, and that I would have to call in a few business days to check up on it. She also noted that I would receive the refund via a check, even though my payment was made online. 

On XX/XX/XXXX, I reached out to 3 EdFinancial representatives ( 2 online and 1 over the phone ). The first representative I contacted online disconnected before I could even ask my questions. XXXX, the second online representative I connected with informed me that my first refund request was made for ALL the payments I had made during the pandemic, not just the {$2000.00} amount. I requested her to fix my refund request to reflect that I only wanted {$2000.00} back. She informed me that I would receive my payment back in 120 days, but through direct deposit. 

Also on XX/XX/XXXX, I contacted EdFinancial again over the phone due to the confusion with the refund request amount. The representative I spoke with ( name not collected ) clarified that my refund was for {$2000.00}. This representative also informed me that EdFinancial had made a " note '' on my account. I still have not received any form of confirmation. 

My complaint stems from 3 major concerns I have. ( 1 ) Lack of formal confirmation about my refund request, ( 2 ) inconsistency in how I should expect my refund ( check or direct deposit ), and ( 3 ) timeline for my refund.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

On XXXX someone fraudulently started online gambling accounts at XXXX XXXX and made 2 withdrawals for a total of XXXX from my bank account. I immediately noticed it and contacted the casino and my bank. I also filled a complaint with the Pennsylvania XXXX XXXX XXXX  who has reached out to the casino who verified the account was fraud and I am not liable for the debit anymore. I was told by the PA XXXX XXXX XXXX to contact the debt collection company and they will verify with the casino I am not liable for the debit and it will be removed. A police report was also filed on XX/XX/XXXX with the XXXX XXXX Police department for Identity theft.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

My name is XXXX XXXX. This complaint is for GAP VISA/SYNCHRONY BANK credit card For my XXXX statement balance of {$1800.00} I made the payment twice and ended up being a credit balance of {$1800.00}. I called them to refund the money and they stated they mailed me the cheque on XX/XX/XXXX at my address however after waiting for more than 3 weeks I did not receive the cheque in mail ... I called them multiple times to reissue the money with expedite shipping and give me some tracking number so then I can track and make sure they are issuing the refund ... t. but they denied my request. They are saying that they have reissued the cheque with regular mail on XXXX but I still did not receive the cheque and there is nothing they can do.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a Welcome to Bank of America letter on XX/XX/XXXX, which included 2 account numbers ( savings and checking ) which I did not authorize the opening of. I called on XX/XX/XXXX and spoke to XXXX from the ID Fraud DepXXXX. He told me those accounts were known fraud accounts tied to a XXXX  XXXX SSN and linked to dozens of fraud cases over the past 18 months. He told me to disregard the letter and throw it away because there is no way that letter came from us. He said the return address was phony. 

I had another account opened in my name with a different bank ( XXXX ) on XX/XX/XXXX. I received a debit card for that one and also called on XX/XX/XXXX. XXXX immediately initiated a fraud investigation, asked me to file a police report and submit an affidavit. 

A week later, I received 2 letters from BofA dated XX/XX/XXXX, stating that the XXXX accounts were closed. Case # provided and phone # for the ID XXXXraud Alert/ XXXX XXXX XXXX ( the same dept I was directed to on XX/XX/XXXX ). 

Since then, I have received multiple bank account statements from Bank of America. I called them again on XX/XX/XXXX, and was told the # I called was for Risk Account Closure, and that these 2 accounts were closed and I would need to contact the Fraud dept at XXXX to initiate a claim/investigation. Then they tried transferring me, but the extension was incorrect so the line hung up. 

XXXX has also been involved and was very helpful in getting fraud alerts set up w/ XXXX credit reporting agencies and XXXX XXXX as well as with XXXX who was able to close the case and provide me with a letter explaining that I was not at fault. 

Im concerned that parties at BofA are attempting to do what XXXX XXXX was found guilty of years ago ; creating a bunch of accounts right at the end of the year to boost commissions ; or worse, that there really is a fraud going on with my name associated with it. 

Ive filed a police report with XXXX XXXX XXXX, and filed a complaint/affidavit with the FTC.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I closed a business checking, savings, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Wells Fargo on XX/XX/2022 over the phone. They were to send a cashier 's check to my home for more than {$5000.00}. I waited the 15 business days then contacted Wells Fargo. They sent me to a branch where the branch manager told me she could not help and opened a complaint with corporate Wells Fargo- they are sending me back to the branch. They have confirmed the check has not been cashed but refuse to put a stop payment on the check and reissue it. They have had my money for more than 6 weeks and I very much need the funds for a medical proceed I undertook last week.
Consumer complaint received 2019-03-01
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. (NY)

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (PA)

Notified on  XXXX / XXXX / XXXX  that my Credit Report had changed due to Collections filed against me with all  XXXX  major Credit agencies .by First  Financial Investment Funding . First Financial  had made no attempt to communicate with me regarding the debt prior to my discovery.   XXXX    provided me with their contact information. When I spoke with them they told me they had no obligation to contact me. I disputed the debt and asked for verification. With the information they had given me I contacted the debtor myself ...  XXXX   XXXX   XXXX ,  XXXX  Georgia. The Hospital faxed me documents from  XXXX  verifying the debt. I paid the debt immediately. Had  First Financial Investment Funding  simply followed the guidelines regarding debt collection my credit rating would not have been compromised. My research on  First Financial Investment Funding  has shown what they did to me constitutes the way they do business. If this company is allowed to continue this practice them the guidelines are meaningless. Aside from what they actually did, the few conversation I had with them leads me to believe there are issues regarding them that should concern us all. Because they did not follow the rules I would like them to remove all negative remarks from my Credit Report.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CT)

I have had a Chase credit card for many years ( Chase Sapphire card ). Several years ago, I joined the XXXX XXXX XXXX for our XXXXXXXX, and when registering as an XXXX XXXX XXXX XXXX with Chase Bank ( with whom the XXXX dealt ), I used my credit card as identity. Following that, they linked my credit card reward program to the XXXX accounts without asking or notifying me, so that if I was not very careful, I might accidentally redeem my cash back as a deposit to those accounts instead of my own. That seems a highly inappropriate process, especially for a financial institution as large and established as Chase. I have tried having those accounts unlinked by lengthy phone and online communications without success. The online responses have been evasive at best, ducking the question or pretending to misunderstand. The service personnel on the phone first tried saying it was something I did, and when that didnt succeed, simply told me nothing could be done.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

I was injured at work. On  XX/XX/XXXX  i received a letter from New York state saying they made a determination as of XX/XX/XXXX  they felt i was still unable to return to work. My credit card was due on  XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx.   XXXX   XXXX   ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current.
So i called back on XX/XX/XXXX  at approx   XXXX   XXXX   ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time.
On XX/XX/XXXX  i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx.   XXXX   XXXX   ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on  XX/XX/XXXX  and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done.
I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am   XXXX   and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.