davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

on XX/XX/XXXX I opened two new accounts ( Checking and Money Market ) at SunTrust and initiated ACH transfers to move funds from XXXX XXXX savings accounts into the new accounts. The entire process was done on-line according to SunTrust 's instructions. In total, {$27000.00} in funds was removed from my XXXX accounts on XX/XX/XXXX. During the process, SunTrust deemed the transfers to be a internal rule violations and terminated my customer relationship and closed the accounts. No one at SunTrust will tell me where the money is or what rules may have been violated and no additional information has been provided. While I do have someone at a local branch attempting to help me with the situation, all of the SunTrust customer support representatives ( including Managers ) either refuse to tell me the reasoning for closing the accounts or have stated that they have no such information. At the moment, SunTrust took {$27000.00} of my money and no one seems to know where it is.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I am a public employee. I applied for the publc loan forgiveness plan for myself and my wife ( both XXXX  ). I have called them many times over the years and they assured me I, and my wife were on track. They sold our loans out to another lender and still assured me it would not affect my Public Loan Forgiveness status. I now find after filling out the paper work we do n't qualify. On many occasions I have called them and they gave me no information. I have waited for this forgiveness for ten years only to be told due to some weird technicality I do n't qualify.
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (NY)

Have two credit cards/debit card that were stolen last night XX/XX/2020. One for XXXX XXXX and one for XX/XX/XXXX debit. 

Charges were all done last night for XXXX, XXXX, XX/XX/XXXX, charges amount from {$0.00} to {$32.00}.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

My current legal name is XXXX XXXX XXXX and my current occupation is I 'm a XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX. I 'm just asking to be fairly not long ago I check on my credit report and some incorrect information and inaccurate on my credit report I did report to CRA and ask them to remove those items then XXXX  and XXXX confirmed is fraud and I 'm the victim of fraud now I 'm stil waiting XXXX to remove the inaccuracies off my credit report I was lose almost over two hundred points of that suddenly they have another collection came from XXXX phone account # XXXX and the amounts is {$290.00} dollars said that the account was open in XXXX last year 2016 my question is all that time XXXX phone why they do n't report to the CRAs the three major credit reports that I have open account with them or someone else? I 'm have snaill business and I 'm work hard everyday I 'll pay my debt I do n't owe no deb at all just my two credit card couples hundreds of dollars if I pay my debts I suppose deserve for good credit score, this they not report at all then the thing go wrong and they report to the three major credit report without notice when I know is too late my credit report already report and my credit score is went down that hurst my employees, my financial, leasing, insurance etc ... and my XXXX daughters next year the go to college university XXXX XXXX   how do I have student loans for them XXXX as for myself I did write a notice on my credit report that any new inquiry or new account please contact me on my personal phone numbers, but no body contact me.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, XXXX and Transunion are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

I have an account and store card with QVC and placed XXXX orders with QVC on XX/XX/2017. The order numbers are XXXX and XXXX. I logged in to the website on XX/XX/17 to track my shipment and was unable to log in, so I contacted customer service who said they would research the issue. I found out today XX/XX/17, that my account was cancelled by their corporate office because someone who used to live at my address has a past due balance with their company. The person they are referring to is not me or my spouse and does not live at my current residence, but they are refusing to allow me to use my store credit card or make any purchases with their company until this other person pays their bill. I tried to work with them and advise them that I am not legally responsible for this person but they told me that it did not matter and they would not help me. The service supervisor that I spoke to was extremely rude and did not seem to mind that it was illegal to hold me responsible for someone elses debt and refused to reopen my account so that I can use my existing credit line. I still have the open credit line with them and I am not sure what to do as they will not allow me to use it or any other method of payment.
Consumer complaint received 2019-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am writing regarding my Bank of America XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a Bank of America military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. Bank of America made no attempts to contact me. I previously tried to download the BOA on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

Bank of America reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact Bank of America and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX  reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.
Consumer complaint received 2022-09-09
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE (MI)

I have never been informed of this debt. It is on my credit report as of XX/XX/2020 the amount is ridiculous and the landlord who filed with your office over exaggerated charges that dont exist never went to court for the so called charges I was threatened to be charged never was served any papers of the matter at hand
Consumer complaint received 2020-05-30
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (IN)

On XX/XX/XXXX my husband XXXX XXXX had past away near the end of XXXX I had reached out to bridgecrest to some the loan on are XXXX  XXXX XXXX XXXX  was told need to make loan current and send them alot of papper work all this process was completed in XXXX the still did not reach out to me to change the loan to my name this is when I resized they were not going to they came picked up XXXX XXXX because my XXXX had past I'm askingthem to refund them I did reach out to them to collect the payments I made in the purpose of asoming the loan and requested all documents they say I did not sent and the computer notes right before I made XXXX payments aslo asked for dates and documents were they reached out to me right after XXXX payments asking for more documents they refuse to send documents and said that even though the amount was courent on XX/XX/XXXX I still need to pay XXXX 's payment wich was not due till XX/XX/XXXX in order to complete the process but that is not what the man on XX/XX/XXXX told me he said I need to complete the payment and give him the department of moter vicals address in wich I did later that day when ask what the next step was they were to send me a form to sign in wich they never did. The lady on phone keeps saying they told me about XXXX payment and there was no decision on the form I need to sign .why would anyone keep makeing payments when they don't follow through so you can get the plates for your vehicle this company did this just to string me along for more payments
Consumer complaint received 2020-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

To acquire a mortgage through XXXX XXXX XXXX, they need to connect to my financial account through PNC. They use software called XXXX to connect my account instantly. 

PNC does not connect with XXXX  and therefore can not connect with my financial accounts in quickly.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

I'm trying to use the XXXX XXXX  feature on XXXX  which is a well known app that has no security issues at all and seems 100 % safe, yet you guys do not allow it to work 100 % with PNC. Please let things work with well known, safe companies like XXXX. There is no reason to let these not work and will only push customers away from using PNC for banking purposes.
Consumer complaint received 2018-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union XXXX and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed
Consumer complaint received 2018-01-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX Experian and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WI)

I have tried three times to pay my federal student loan payment through aidvantage. My first attempt was XX/XX/XXXX for {$150.00}, my second was XX/XX/XXXX for {$320.00} ( now double due to the first not going through ), and my third was today ( XX/XX/XXXX for {$320.00} ). Everytime I try to make a payment it tells me that my payment went through -- however when I go on their website later it says there was a " payment reversal '' and that it did not go through. There was no more information as to why it was reversed, and I was not notified either time that my payments were reversed ( I was only notified via email that they went through ). My account now says that I have late payments due, despite receiving emails to the contrary. Both times I have had the full payment ready in my bank account ( there is no chance it was reversed due to missing funds ), and upon asking my bank they claimed that aidvantage never attempted to take the money from my account in the first place. I checked my banking information on the aidvantage website and it is all correct. I have attempted to reach out to aidvantage regarding this via the email they provide, but I have yet to hear back with answers. I am currently unable to make payments for an unknown reason, but am still being marked for nonpayment despite these attempts to pay.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I placed two online orders. # XXXX # XXXX. Delivery notification provided XX/XX/XXXX however when I returned home that evening nothing was deposited at my front door. Immediately I reached out to Customer Care who apologized and said the delivery would be investigated and a replacement order would be forthcoming. XX/XX/XXXX, I received an email that my replacement would arrive in 2-3 days. When the replacement order arrived, I was surprised to find it incorrect. Once again, I contacted Customer Care who advised me to return the order in full to a Bloomingdale 's location near me. 
The very next day I took the merchandise to Bloomingdales XXXX XXXX, CA store. XXXX XXXX, Handbag Manager assisted me with my return. I was advised to leave the merchandise with her and the return would be processed however as merchandise is not from her store she would not be able to provide me with a receipt for my returns. I asked XXXX XXXX if the merchandise would be credited before my payment would be due and I was assured it would be no problem at all. 
My current bill is past due with late fees charged after I spent over an hour on the telephone XX/XX/XXXX with XXXX, supervisor on duty explaining the horrific situation. Not to mention my surprise when it appeared my replacement order was never returned! Since I have received notice the merchandise has been returned however I'm still being billed with interest charges. 
The past 3 weeks or so Ive had repeated phone calls from Bloomingdale 's Credit Department even though I sent a hard copy letter with documents to them on XX/XX/XXXX. 
I have found that Bloomingdale 's has zero accountability for mistakes made within their company. 
Further to their incompetence, I received a letter stating my credit limit was being reduced due to lack of payment. Absolutely incorrect once again.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be removed.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed a claim against XXXX for recurring charges dating back to 2021. I submitted a complaint to XXXX, which refunded my account, but Capital One canceled my accounts when XXXX acknowledged the mistake. I received an email to add a linked account, but when I called, I was told that I could not add a link to an external checking account and was told at the time of the call that there is no specific timeframe for when I will receive my funds left over in my checking account. I received an inaccurate email from this bank, and the accounts were closed for no reason.
Consumer complaint received 2020-05-30
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.