davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AES/PHEAA (FL)

XX/XX/2019 phone call received from a XXXX XXXX from XXXX XXXX XXXX. Stated that I was approved for student loan forgiveness program. She looked up the company I work for and stated that it fell under their terms for public service. She filled out all these forms. She also went through and got to my FSA account and had me forget password and go through there to see who my loans were through and get the information. She then had me sign documents and send in verification of employment and family house hold. The terms were that I pay {$200.00} for 6 months to their company and also continue paying the {$10.00} a month to my student loan service. I could not pay off my loans any sooner than 10 years because it was a contract. After this was all done a couple of weeks later I called the company and asked my concerns about how things did not seem correct and I just seemed uneasy with it and he reassured me that after the 10 years the left over interest and payments on the account would be forgiven. I still did not feel comfortable so I called my student loan service company and they could not tell me too much other than a consolidation loan had been made and my payments were only {$10.00} a month and will be re-evaluated next year. I finally found an email from the company ( XXXX XXXX XXXX ) and there was a warning as soon as you click their website stating that the company on XX/XX/2019 was sued by the Bureau for Consumer Financial Protection for practices related to their student loan debt relief operation.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (CA)

On XXXX XXXX XXXX XXXX closed my account without warning. They are also reporting to the credit bureaus of this action and also late payments, which I did not consent for them to report to any credit bureaus according to consumer law. Further more the card had a limit of {$300.00} and now they are saying I owe {$500.00}. how is this even possible? I never went over my limit.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

on XXXX2021 i sent a certified mail to this agency to validate this debt, they failed to do so. 
violation under 15 USC 1692g. its been over 30 days and since i am the original creditor and i do not validate this debt or have any signed contract of my signature that this alleged debt in fact exists. I want this account to be removed from my credit report.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2023-04-04
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: PENTAGON FEDERAL CREDIT UNION (GA)

On XXXXXXXX XXXX PENFED Credit Union seized and transferred {$280.00} from my checking account and applied it toward my PowerRewards Card with PENFED, leaving me with {$70.00} in my bank. After explaining the money they seized was child support payment and that I am currently unemployed ; they argued that due to a security of interest clause in my membership agreement from XXXX  ( which pertained to an credit amount of {$2900.00} ) apart of a separate agreement allowed this to enforce their action. They argued that they would not return the money, although they could see that it was indeed a money transfer authorized to me. They also stated the amount they seized did not cover the full debt amount as I initially already possessed less than {$1000.00} in my bank account.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I received a Visa credit card from First National Bank of Omaha that I never applied for. I called and was told that my XXXX gas charge card was being discontinued and my account had automatically been moved to a Visa. I told them I did not want the Visa and was told to call XXXX to cancel. I called XXXX and was told the gas card would be closed effective Sunday and I would have to call the bank next week to cancel the Visa as they did not have my information yet ( but had still issued a card ). 

Now, instead of having a card with which the possibility of fraud only existed at a certain gas station, I was unwillingly given a card that would open me up to fraud a nywhere. In addition, adding a Visa would negatively affect my credit score and closing that Visa immediately on receipt would even further negatively affect my score. I was told that it was too bad and that sometimes things are just out of our control. I do not want this Visa, do not want any mention of this Visa on my credit score, and never applied for this card I was sent. First National Bank of Omaha will cause damage to my credit that will take a long time to rectify and it was forced on me without my request or consent. If there are truly bad trade practices, I believe this would be among the defining pictures.
Consumer complaint received 2021-02-02
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. (TX)

I have previously submitted a complaint in this matter to XXXX XXXX Card Services ( Complaint ID # XXXX ). Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.
Consumer complaint received 2021-02-02
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. (TX)

I have previously submitted a complaint in this matter to XXXX XXXX Card Services XXXX Complaint ID # XXXX XXXX Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX XXXX XXXX XXXX even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.
Consumer complaint received 2019-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on XXXX ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was recently taken over by NewRez/Shellpoint from XXXX, effective XX/XX/XXXX. My XX/XX/XXXX auto payment was collected by XXXX and sen to NewRez without a problem ( that I know of. ) On XX/XX/XXXX I called NewRez as I was concerned that my monthly payment had not drafted out of my account as it was supposed to. I also went online to check the status of the auto payments. The amount showing was not what I had set with XXXX, it was for the minimum due on the mortgage and escrow account. The rep told me that he would delete the recurring payment information so that I may update it with the amount I preferred to pay. I asked if the minimum amount was going to draft anyway, to which is stated no, but to check in a couple of days to be sure. I then proceeded to update my preferred auto payment amount and the site read that the change would be effective XX/XX/XXXX. I planned to wait on making the XX/XX/XXXX payment until I made sure that it did not draft out of my bank automatically. Next time I check, the original payment had been drafted out of my bank on XX/XX/XXXX and a second draft for my updated amount was done on XX/XX/XXXX, resulting in NSF when other payments I had made tried to clear. I have contacted NewRez 3 more times trying to get my money refunded and have provided the proof of the double draft. One rep told me ( XX/XX/XXXX ) that it would take 24-48 hours for the funds to be returned and when I called again on XX/XX/XXXX to check the status, the timeframe changed to 10-15 business days. On top of all of this, my account does not reflect the 2 payments collected in XX/XX/XXXX ; it only has ever reflected the payment from XX/XX/XXXX. No one could answer where my other payment was. Had it credited for XXXX, this would not be such a big deal, but money was taken from my bank without authorization and did not reflect a credit with NewRez. This, in my opinion, amounts to wire fraud and based other other consumer complaints I have read on XXXX is a rampant problem with this lender/servicer.
Consumer complaint received 2021-02-02
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. (TX)

I have previously submitted a complaint in this matter to XXXX XXXX  Card Services XXXX Complaint ID XXXX XXXX XXXX. Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.
Consumer complaint received 2019-08-12
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 (CA)

Beginning from XX/XX/2018, a list of unauthorized and fraudulent transactions totaling {$32000.00} had posted onto my card statements. Each time I called, and continue to call for an update, it seems that each representative had a different piece of information. Most try to end the call quickly, providing an incredible lack of customer service, by saying there was no information showing on their side which was false and proven by more aware representatives - giving me consistent anxiety as I made endless due diligence in following up with this matter. Bank of America made a disappointing breach to their {$0.00} Fraud Liability Guarantee even after confirming that I received no security notification from them of the transactions that posted onto my account. I have went ahead and attached Bank of America 's disappointing letterhead breaching their {$0.00} Fraud Liability Guarantee. To this date, I still have not been rightfully credited by Bank of America for the fraudulent transactions even after consistent due diligence and daily follow ups with relevant documentations pertaining my fraud claim.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (AL)

I have been turned down for several job opportunities due to incorrect public records and credit score reporting. Dates include XX/XX/XXXX, XX/XX/XXXX. These reports were out of pocket cost and were requested by and First Advantage.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FISERV INC. (MI)

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX XXXX lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

Fiserv., XXXX XXXX XXXX are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX , CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Consumer complaint received 2019-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Im a 37 year military and XXXX XXXX, I made an allotment from my XXXX  401 ( TSP  ) to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is the same number of an XXXX XXXX ladies account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never ever be the same as another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 7.5 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them. 
The latest USAA representative XXXX XXXX from the office of the CEO stated with 12 million member the numbers could be the same with a members ID being someone elses account number? Really, we gave them the federal tracking number with all my information on it. USAA is still refusing to get my XXXX back, stating theyve attempted to contact the other account holder ( female XXXX XXXX thieve ) and havent heard back from her, and will not put a hold on her account. 
The customer service with USAA is the worst experience Ive ever had. 
I spoke with XXXX  XXXX XXXX and XXXX XXXX. And both said the same thing about the account and member ID numbers being the same for two different persons I made an honest mistake and USAA could care less TSP  and myself provided USAA with the 15 digit trace number also
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

After multiple attempts to resolve this issue. XXXX XXXX is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (MA)

During the initial COVID-19 shutdown I asked for deferred payments which was granted but interest charges continued to accrue. I dont have dates for the initial call, however the company continued to charge interest and moreover did not accept certain payments as eligible due to the date received because they were between the prior and next billing cycles. Can provide bills and correspondence for this situation. 

Monday XX/XX/2021 : Received email threatening fees that were not previously agreed to and reporting to credit bureaus. Current balance on the card in question was XXXX. 

Tuesday XX/XX/2021 : Called customer service line XXXX Customer service escalated situation to the same employee and attempted to change names. Customer service asked for personal information while also admitting they were working for a third party. Customer service refuses to provide a copy of contract between me and company. Claims that phone call was being monitored but could not be provided to consumer under any circumstances. Company refused to allow consumer to also record phone calls. Customer service said they were in XXXX. 

The credit card itself appears to be legitimate but the company is predatory and refuses to offer the customer any information other than claiming that there is an agreement of which they will not provide any evidence. It is impossible to speak to anybody in the company other than third party customer service representatives. These representatives blatantly lie, are hostile towards consumers, and will redirect any inquiries to dead ends.
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AK)

Ability Recovery Services is trying to collect on a debt that was paid to the original creditor XXXX XXXX. I have provided my bank account statement showing it was paid and they continue to report this as late in the amount of {$360.00}. I am now XXXX from an injury and no longer work and this is keeping me from getting the help I need. I am tired of fighting them over a debt that was paid in full 2 years ago. It never should have been on my report, but at the least it should show closed, resolved.