davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

In XXXX I enrolled into XXXX XXXX XXXX under the understanding that when I finished school I would have a college education that would better my life. Unbeknownst to me the program I enrolled for had not even been accredited. This was with held from me. I was also promised they ( the college ) would help with resume building and job placement. None of this ever happened. I graduated in XXXX. I took a private loan for around XXXX dollars. For two years navient inappropriately applied my payments putting me into a pay ahead status and eventually stopping automatic payments once I got so far ahead. All extra was to be applied to the principal not pay ahead and I specifically requested that when I setup for automatic payments back in XXXX XXXX. I was alsongiven the choice for when my payments would be due but when you go through my payment history you will see a late payment every month for many months. How is that possible being on auto pay? I also have filed a Borrowers Defense to Repayment with the department of education as XXXX XXXX is one of the Exhibit c schools that will recieve automatic forgiveness for class applicants. 

When I spoke with Navient XXXX weeks ago to inquire about this application I was told my account was being pushed to their review team and someone would call me back within 7 days to let me know if I qualify. I have neither received an application for a school misconduct discharge nor a phone call back as promised.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was referred by the XXXX District Court of Maryland in XXXX to the Consumer Financial Protection Bureau regarding my complaint with Bank of America. A representative a couple years ago via phone rudely addressed to myself that Bank of America would aggressively close my account. I had attempted to resolve the issue ; however the financial institution did not listen. They had shared that it was because of a report to XXXX. I had investigated the report ; XXXX had removed the debt because it was proven to be inaccurate with the documentation that I have provided. However, Bank of America still refuses to open a bank account, despite the removal. My complaint is how aggressively they had closed the account in general. I was recently shared by a representative in person it was due to " issues with Bank of America. '' In addition, there are other civilians who occasionally complaint about the financial institution. Respectfully, and as a voice for communities, other consumers have shared that representatives are disrespectful towards them, have high expectations and have them wait for extensive periods of time. As a courtesy, these issues are being addressed because there are communities, such as XXXX, MD, and New Jersey that are unhappy with Bank of America. Consequently, and per the referral of the XXXX District Court of Maryland courthouse, I am raises these concerns, and matter to the Consumer Financial Protection Bureau.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : 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
Consumer complaint received 2023-01-31
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. (FL)

{$620.00} XX/XX/XXXX expressing fraud and asking for help..No response. I have been disputing for yrs. 
XX/XX/XXXX nothing.. 
XX/XX/XXXX asking to prove the debt..nothing I even did a consumer complaint..this account FRAUD..not me
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

XXXX REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by Lexis Nexis that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from Lexis Nexis, see attached! XXXX had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from Lexis Nexis on behalf of CFPB. So i am confused, how did XXXX " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is Lexis Nexis lying about removing it from my file? Or is XXXX lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submited a claim with my bank for some transactions made with my debit card that was not authorize by me. 
XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX All of this transactions were made by my debit card of my account at Bank of America. 
As soon I noticed this fraudulent transactions I locked the card trough the app on XX/XX/2021 and after that I submitted the claim XXXX being denied after few days later. I submitted an appeal explaining the same situation here and also that my XXXX were I have the mobile app was at the technician during that period that may be the cause of all of this fraudulent transactions.

The appeal was also denied so thats why im filling this claim form. 
Also my card was saved at XXXX, XXXX, and other internet service were can be taken.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (SC)

Today, XXXX XX/XX/2021, I was notified by a family member who has my previous phone line via text messaging communication. The National Recovery Agency ( XXXX XXXX XXXX XXXX, PA XXXX ) is unethically sharing Personal Identifiable Information to a number I no longer possess. This act is immoral, unethical, and a threat to my security and identity.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I signed into my business account on XX/XX/XXXX and found {$9500.00} fraudulently wired from my account on XX/XX/2024. I contacted Wells Fargo immediately and filed a fraud claim. They told me that they would look into it in the next XXXX days. Money was wired to an unknown account. I am the sole owner of the account and did not authorize this transaction.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I closed and satisfied my mortgage with AmeriHome on XX/XX/XXXX in which the total for taxes and homeowners insurance was paid for up front by the new mortgage company, XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$4200.00}. 

Since the new mortgage company ( XXXX XXXX ) paid for this balance in full, the original mortgage company ( AmeriHome ) owes me this money which they managed through the escrow account. According to their customer service department - a check was " supposedly '' cut and mailed via the US Post Office on XX/XX/XXXX. 

It is now XX/XX/XXXX - and I still have not received this, " supposed '' check. I have called AmeriHome numerous times, and each time I get a different answer, where someone either says, " Oh no, they just cut the check now. '' or " Yes, the check was sent in XXXX and we can't track it because it was sent through the US Post Office. '' When I ask to speak with a manager or supervisor who can resolve this issue, they say that they have to put in a request ticket and someone will reach back out. I have done this several times last month, and no one has called me back. I don't understand what is going on with AmeriHome, but this institution owe me my money and I want for this matter to be resolved asap and that I receive the check for monies that are owed back to me right away and with a tracking attached to it. This is professional negligence on behalf of AmeriHome. Their lack of transparency is a major issue and I demand for someone to address this issue right away.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK (TX)

I signed up for a promo bonus with XXXX XXXX XXXX. 

In the promo and the terms and conditions, it stated that you will receive a {$300.00} bonus by enrolling in online statements and making 5 qualifying transactions by XX/XX/XXXX. 

The promo code was XXXX and when I applied online it said it was successfully applied. 

I completed everything and made my deposit and completed all qualifying conditions to receive said bonus. 

Just to be sure, I called XXXX XXXX customer service and was td after half an hour of holding that it wasn't eligible im Texas. Was told that again by an employee when I tried calling my nearby XXXX XXXX center. 

The problem is, no where in the terms and conditions is it stated that Texas is not eligible. The page where you input the promo code also asks for your zip code. 

Other institutions do not allow you to open an account with a promo code if you do not reside in the area. 

I have actually spoken to others who reside in Texas on XXXX and they have stated that they have received the bonuses. Many others have been told that Texas is not included in the promotion, yet it does not specifically state that Texas is not included. 

This is a link to the offer. 

XXXX XXXX XXXXXXXX It is the same one but this is an extended offer which expires on XX/XX/XXXX, mine expired on XX/XX/XXXX but you have until XX/XX/XXXX to complete the conditions.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing because I received a piece of mail from American Express after I asked them many times to be put on their do not contact list. The last time I contacted them, sometime last month via telephone, I made it clear that I wanted to be put back on their do not contact list, as our negotiations had failed, and I would be communicating with them through an attorney in the future. This was the last order I had before ceasing contact with Amex completely and handing this matter off to document handlers and others more qualified than myself : Do not call, do not send me mail, do not send me emails, and do not communicate with me in any other way, shape, and/or form ; and, if you initiate contact for any reason, including legal obligation ( for which I waived my right to receive written disclosures and requested they be withheld and directly given to my attorney, who would be in touch with them in the imminent future ). I not only received a letter from them a couple weeks ago with their response to this complaint, which was mailing information for their legal division, now I received this letter today ... I am beside myself. When I say that I dont want you to contact me, I mean it. I am only going to upload the letter I received yesterday ; however, it should be know that I have received many other letters that fall within various timeframe ( s ) that I requested no contact from Amex. I wasnt going to do anything about these ; however, now that you are once again sending me threatening letters, with messages letting me know you credited some lousy rewards points towards my outstanding balance. This letter is a petty and veiled way to remind me that youre still there. Youre trying to mess with me ; and, I am going to mess back. Now that you reminded me how much distress these letters cause, I am going to take the time to collect every single physical letter that I have gotten from Amex in the past 6 months and send them to my prospective attorney for this case. Im sure he will find it quite useful ; and, not only this letter ( see attached ), but all the 50+ letters that I have from Amex Assurance Dept of your company ( sending me harassing letters about account credits and claims ). This was happening throughout XXXX and throughout XXXX. I have gotten two letters thus far in XXXX. And I have all my mail since this ordeal started.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (GA)

Hello. 
Writing regarding XXXX XXXX and the XXXX CFPB consent decree against them : ADMINISTRATIVE PROCEEDING File No. XXXX. 

I am a XXXX XXXX equity accelerator program ( enrolled since XXXX ) customer who met the criteria, per the consent order, to be reimbursed for fees and mortgage payments which were NOT paid to the bank/mortgage company as advertised. To date I have not been contacted by the company about a credit ; i have contacted them on several occasions requesting credit and customer service reps were unfamiliar with credit owed so essentially nothing happened towards making me whole and complying with consent decree. Contacting you for assistance and resolution, please. 

Thank you.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Between the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account. 

On XX/XX/XXXX I was served with a summons in regard to this XXXX account by Jefferson Capital Systems and the attorney on file ; XXXX XXXX. The summons states that I am the assignee and owner of this account. 

I have determined that this account is a result of someone using my personal information fraudulently from XXXX, MI and opening this XXXX account illegally. This account has been reported on my credit reports for over 3-4 years and should have never been attached to my personal information. 

The facts that this is not my account are : 1. I have never opened a XXXX Account in any State or the State of Michigan ; city or county, etc. 

2. I have never lived, rented or owned any property that would require me to open a XXXX account. 

3. I have never given anyone permission or consent to use my personal information and social security number to open a XXXX account as stated. 

4. I have never lived in the city of XXXX, MI and never resided at XXXX XXXX XXXX XXXX, MI as listed on the XXXX account billBetween the years XXXX to present, A XXXX XXXX account was posted on my credit reports for the amount of {$2600.00}. I started a review of my credit reports around XX/XX/XXXX and noticed the account on my credit reports and requested a dispute because this was in fact not my account.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (NY)

My husband passed XX/XX/19 ... he had a credit card in his name but I was an authorized user. It was charged off after his death in his name only. Experian is charging me as being responsible on MY credit in error. They have contacted XXXX twice as have I. XXXX says I am NOT responsible ... .so far 2 disputes have not changed. HELP!!! There is no estate.
Consumer complaint received 2022-09-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-26
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. (LA)

I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I have had 12 synchrony bank accounts and on XXXX  XXXX they closed every single ome of my accounts. No notcie to closing them. Except for when I just paid on multiple which I do once every week sometimes 2x a week because I have 12 cards. I have NEVER HAD A LATE PAYMENT OR MISSED A LAYMENT OR ASKED FOR HELP WITH MY ACOCUNTS. I AM VERY good with all my accounts. All the accounts closed but every other company comemtiy is still open and XXXX XXXX is still open. They had no reason to close them when I asked why they said we'll did you ask for an increase which I have 12 accounts of course I did. They said we'll maybe that's why. I'm not irresponsible with them. I pay them. I have had lots of fraud on my credit accounts but no late payments. Please help
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (MI)

I have a Macy 's AmEx. Yesterday I received an unsolicited issue of XXXX magazine. The mailing label said " Macys American Ex '' and listed my address ( not my name ). Immediately preceding " Macys American Ex '' was the password to my Macy 's account ( which has since been changed )! So not only did Macy 's not keep my password private within the company, it sent it to the magazine publisher and through the USPS!
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I opened a credit card with Synchrony bank. After paying my balance in full I requested that they close my account and delete all my private information. They replied to my message saying, " ... At this time, we are unable to remove your XXXX from the Synchrony Account Manager platform. We are continually updating account features, and will keep you informed if this option becomes available. We value your input and hope you continue to enjoy the available features. '' As if this was some sort of feature they had no built out yet?! After threatening them with reporting them to the CFPB they then backtracked and said they were going to escalate this with their 'corporate office '.

So they need to escalate this to their corporate office to
comply with a legal requirement per California law, as mentioned in the CFPB : " ... state law generally requires banks or credit unions to close your account in a reasonable amount of time ... '' So they are intentionally making it hard for users to close under the premise that it is a feature that has not yet been implemented. If they build out an online application they have to make sure they look at all the legal surrounding it so you are not missing features that are legally required.