davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..
Consumer complaint received 2016-03-09
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (LA)

The collection agency constantly call me every hour all day long. They call my job all day as well. They call disclosing information that should not be disclosed. It is most definitely embarrassing. They call my cell phone late at night as well. The latest they have called me is after XXXX. I am really tired of this. There tactics are ridiculous!!! I would appreciate it if something could be done about this.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (AR)

I've been disputing my student loans ( XXXX  ) on Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax is reporting inaccuracies, they are reporting that l have late or missed payments, I've been in forbearance since XXXX plus the COVID-19 student loans pause is still in effect
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

My standard finance rate was raised to over 25 % without cause ( they do have an opt out ) I have a perfect credit history and an income level to place me in the top % XXXX of the country. I have had this card for several years and never had any credit or payment problems with me or I with them. 
It is an outrage that someone with an excellent credit history ( Fair Issac typically around XXXX - XXXX ) is placed in such a category, no doubt, for profit alone. Why do people maintain good credit? Why maintain a good credit history is one is to be subjugated to such extremes? What legal authority do they have to do this? Are there not laws that regulate how banks treat citizens for the good of the nation? What do they charge people with bad credit history? 250 %? 
When I was young this was considered usury and was illegal. Many tolerate the XXXX fees today because they have no choice with bad credit but mine is as good as one can get, yet with my excellent credit rating/ history I am treated like pariah at Macy 's . 
Please help. 

Below are relevant info. 
Thank you for your assistance. 
XXXX Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Occupation : XXXX Age XXXX CC rating XXXX Macy 's cc # ( last XXXX ) My husband is writing this letter for me as I am not well at the moment, undergoing XXXX which incapacitates me. This matter concerns me greatly as credit is our way of life and I worked hard on mine all my life. To be raised to such an exorbitant rate is astonishing in this day, in this nation. Is Macy 's based in XXXX ( where they are experiencing insane inflation ). 
I just do n't understand. I worked a=hard all my life, I 'm a professional and yet I am still given the highest rate with no cause. Is this what America has come to, \???
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I requested validation of an item reported by Transworld System Inc. I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPPA release form authorizing Transworld System Inc access to my medical records.

Please delete this information from my credit file with all 3 credit bureaus XXXX XXXX and XXXX and cease all collections activities immediately! 

I will be pursing every legal action available against Transworld System Inc should this item not be promptly removed from my credit report.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has refused to CLOSE MY PERSONAL BANKING ACCOUNTS and instead continues to assess overdraft fees in an acount that has become overdrawn due to an illegal banking practice related to their BILL PAY PROGRAM ( complaint # XXXX ).
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NV)

CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I am a student who originally acquire student loans through XXXX. My loans were switched to private loans through ( Navient. XXXX PA XXXX ) without my notice or consent in XXXX - XXXX. Original loan amount 0f XXXX. Within a three year span, while being continuously enrolled in XXXX at XXXX University, I have been charged excessive interest of over XXXX. I received over 100000.00 of excessive interest in one year. New loan balance is well over XXXX. 
I have been charged excessive interest, and my loans have all been switched to private loans without notification or consent. Please contact me at the following address : XXXX FLORIDA XXXX XXXX
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was a Bank of America / FIA Cardholder customer and signed up for paperless statements, sometime during 2015. At that time, Bank of America / FIA committed that they would keep statements on-line for up to 7 years, and that I could retrieve all statements by logging into their website. They have sold the credit card portfolio to another servicer ( XXXX XXXX XXXX ), and none of my prior statements are available. 

This creates all sorts of record keeping problems for me as a cardholder, business owner, and taxpayer.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

Hello, Navient is reporting inaccurate information on my credit report with XXXX. XXXX   and XXXX  is reporting exceptional payment for my account history. Navient is reporting with XXXX negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with XXXX  as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I can not get my free reports online because the verification process keeps failing. I know there is fraudulent accounts negatively affecting my credit and I am certain it is due to identity theft by my biological father who shares the same first and last name as me and would be the most likely to have information on me such as my SSN, phone numbers, addresses, family members names and addresses, my birthdate, etc. the only difference in our names is the middle initial. The verifications ask about property being owned in states that I have never been to but that he has not only resided in but has been locked up in and is a convicted felon in with a lengthy criminal record to prove it. The questions also mention the names of several woman that he has been married to. He is currently in an XXXX State Penitentiary and public records can confirm that. Other questions did mention city 's that I have lived in and addresses that I 've lived at and belong to close relatives such as my mother and grandmother which is information that he definitely has as well seeing as how my grandmother has lived at the same address since my parents were kids in high school and my father lived with them once upon a time. How do I fix this? I am XXXX years old with a fianc* and XXXX young girls that I want nothing but the best for, and because of the bad credit associated with my name, I ca n't get a loan for anything at all so I can really get my life started. I have only XXXX vehicle that ca n't even seat my whole family at once and is not reliable by any means, as well as a house that is not suitable for anyone to have to live in due to its age and outdated structure, piping, and electrical system. It 's truly a death trap. But until my credit gets to looking much better, my chances of getting a mortgage and auto loan are impossible.
Consumer complaint received 2016-08-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (GA)

I paid my car loan off with SunTrust bank in XXXX 2014. To date they report to XXXX that I owe them & XXXX. They mailed me a lien release letter & I have title to the car! They insist their records are accurate. I 've been fighting with them since XXXX, personal visit to bank, phone cal mail & fax letters! I just received a letter today stating my account is being reported accurately. Help, this is lowering my credit score! I'am at my wits end. XXXX removed this from my file, XXXX is still showing {$11000.00}! Help please, I 've paid dearly due to the real estae crash & I want this cleared up. Thank you.
Consumer complaint received 2023-03-19
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: Byrider Franchising, LLC (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Auto Finance has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

This complaint is an addendum to a complaint filed earlier against Wells Fargo Bank The file no.is XXXX. This correspondence should be forward to XXXX XXXX XXXX, Department Manager of Research and Correspondence who answered the previous complaint. I followed up with his suggestion regarding my claim. That phone number referred me back to their Fraud Liability Div. where I was given another customer service Rep. XXXX times I called and their has been no response. The name XXXX XXXX,! -XXXX.Once again Wells Fargo stalled and did n't follow-up on their correspondence letter. Now the statute of limits is up on the initial charge of their negligence. I, now willpursue action against Wells Fargo under California code 530.8.The trial of documents will be presented in court to a judge force them to clear my name .Wells Fargo has n't made any attempt to help me. The fine is {$100.00} a day. The Initial investigation goes back to XXXX XXXX. I intend to name, you, XXXX XXXX XXXX in a separate small claims lawsuit at {$100.00} a day. The law passed in XX/XX/XXXX and is specific about Wells Fargo 's obligation. In addition I will forward a whistle blower complaint to the Attorney Generals office of the state of California and the US attorney 's office in XXXX XXXX, California. I will ask them to investigate how an account opened in my name disappeared from your system.Could their be other accounts opened. Did anyone internally delete this fraudulent account.? The state of California losses might be greater than just mine. Did your bank investigate? My records of the account existence will be Social Security records, XXXX, the IRS and the district attorney 's of XXXX XXXX, California. Let 's fine out who the judge believes or better yet let there be a jury to decide the amount of damages. XXXX XXXX dollars a day. Can you afford to pay your own lawyer fees, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent numerous Messages in writing via XXXX certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX Student Loans have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage : I believe it was in XXXX 2012 I was forced to move from my home because of financial reason ( loss of employment ) and violence in neighborhood ( XXXX, XXXX, XXXX ). Before moving, I contacted WF and tried to short sell the home, then I tried to deed-in-lieu. Over the past XXXX years I would be told I was approved, then I was n't approved because a piece of paper was lost, or the time limited had expired on my file ... this has been going on and on. Now I am being subjected to a collection agency. I do n't believe that WF has the deed to this property and I am powerless to do anything about it, but receive the outcome of having credit rating trashed and no answers. I have even tried to use an attorney but am told that there is nothing I can do. Foreclose on the property and let me have my life back. I am XXXX and am now estranged from my husband that has recently lost his job because of XXXX
Consumer complaint received 2018-03-16
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. (CA)

Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from Experian, XXXX and XXXX already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (AZ)

I have a inaccurate 30 day late payment marked with grain technology for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

After returning an Item costing {$80.00}, in XXXX 2016, which was not credited to my account until I called after having been charged a {$24.00} late fee for 2 months, they then told me they never recieve my online payment. Never notified me and continued to accrue late fees until XXXX. I spoke to the customer service cleared up the bill and all the late fees with my debit card and closed the account. They now bill me again for " late chages '' and when I called them they said they had the wrong Account number and never posted this new late fee to my checking account. The account I was assured was now at a XXXX balance or they would not have closed it. I do not trust giving them anymore of my credit information as they refuse to give me a statement of account in writing.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I signed up through an XXXX and Americanexpress.com website advertised promotion. XXXX XXXX Frequent Flyer Milers Bonus after XXXX USD in spending within 3 months. 

After completing the offer within the 3 months, I was only provided XXXX Frequent Flyer Miles. This offer has been running for the most part of the year including the time I signed up of which I was referred directly from XXXX website for the promotion. 

I tried to settle the issue with American Express. American Express is telling me they did not offer that bonus at the time, when there are numerous websites archives documenting at the time period I signed up that they were indeed offering that promotion. I also have a copy of the form I filled out which shows the terms and conditions of the offer.
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Bank of America returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me.