davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX XXXX my husband tax refund was deposited into my account, days later Bank of America closed my account. I have been calling to have the funds released to my husband but I was constantly told that I have to call back for an update. It is XX/XX/XXXX XXXX the supervisor of the closure department told me that there was no way to get in contact with the back department handling this issue and she also informed me that she could not request an update and there is no way to contact that department.
Consumer complaint received 2020-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I became XXXX on XX/XX/XXXX. I filed a new Income Based Repayment plan and the servicer ( Navient ) acknowledged receiving this on XX/XX/XXXX. They increased my payments instead of lowering them. I had included my Income Verification with that application, but, as is their habit, they discard the Income Verification information or claim it has not been received so that they can miscalculate the IBR plan ( or so it would seem ). I received NO income between XX/XX/XXXX and XX/XX/XXXX, yet Navient increased my payment amount by 30 %. My income after XX/XX/XXXX ( and since ) is only 66 % of my previous income. They finally recalculated my IBR on XX/XX/XXXX but claim I must pay the inflated payment from XX/XX/XXXX. This is unfair, as during the month preceding XX/XX/XXXX my income was only HALF of my previous income ( 66 % for 3 of 4 weeks and nothing for one week ). 

I received information that Student Loan payments have been suspended until XXXX. However Navient claims I must continue to make payments. I know that I refinanced my student loans with the Department of Education years ago, but there is now a claim that only Department of Education loans after 2009 are eligible. It is highly disturbing that this claim is made, since there has never been any public notice that there was a cutoff date associated with Department of Education loans. All government notices ( including notices from Navient ) do not include any such cutoff date. This certainly appears to be negligent activity and a case of intentional disinformation ( if it is true ).
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

OnXX/XX/2019, I received an email from Chase confirming an address change made on an account. I do not have active accounts with Chase and have not for almost a decade. I was suspicious and contacted their Customer Service, who advised me to forward the suspicious email to XXXX. I did so, and on the same date I froze all of my credit reports. On XX/XX/2019, I received another email, welcoming me to my new Chase savings account. I forwarded this email as well to XXXX, although I had not received a response to my previous email. On the same date, I contacted Chase customer service and, after multiple transfers, was able to speak with someone in the Fraud department who advised the account was opened fraudulently online using my information, and that the account had been deactivated. On XX/XX/2019, I received another email associated with the savings account, which suggested to me that the account was not deactivated after all. The next day I contacted the Fraud department at Chase again. The representative reiterated that the account was deactivated, but could not verify the email that was sent, and would not provide further details "for the security of the account." I do not believe that Chase has deactivated this account, and throughout I have been frustrated by their unwillingness to take seriously this fraudulent activity. I understand from my conversations with Chase that the account was opened online, and the representative on XX/XX/XXXX advised to me that it is relatively easy to open a savings account online with little verification. At best, Chase is willfully negligent regarding fraudulent account openings; at worst, this is akin to the XXXX XXXX   scheme where accounts are purposefully opened by the company. I have received no response from the Abuse team to which my concerns were directed, and all of my calls to Chase have been unsatisfactory and/or inaccurate.
Consumer complaint received 2021-04-07
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: Southwest Credit Systems, L.P. (PA)

This is the third time they allowed this fraudulent account to appear on my credit report after I disputed before and it was deleted. XXXX XXXX, states I owe {$340.00} dollars for an account I never had.
Consumer complaint received 2023-01-09
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. (KY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I've been robbed of my XXXX XXXX AAdvantage airline miles. I opened up a few of these cards due to promotional offers ( i.e. get XXXX AAdvantages miles after spending {$4000.00} ), and met all of the requirements to do so. I received the miles into my XXXX XXXX account, just like Citibank said they would - great! 

However, recently my upcoming flights were canceled and then my entire XXXX XXXX account was closed! I was accused of fraud, and they wouldn't even tell me why. After over a month they finally told me that I had fraudulently obtained AAdvantage miles from Citibank!

I didn't commit any fraud, and I don't understand why Citibank told them I did. This is a flat out lie and I'm extremely frustrated.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emmett L. Goodman, Jr., LLC (GA)

sent notice for debt validation to Emmett L. Goodman , Jr. , LLC on XX/XX/2020 for debt company claimed I owed. As of XX/XX/2020 this company has failed to provide any information via telephone, email or postal service.
Consumer complaint received 2020-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

On XX/XX/XXXX, an unauthorized credit inquiry was made by XXXX, XXXX DBA XXXX XXXX XXXX and I contacted them by phone at XXXX on the same day and again on XX/XX/XXXX. I explained to the credit department of XXXX, that I did not authorize this second inquiry that has been made on XX/XX/XXXX. And that I only authorize the first credit inquiry on XX/XX/XXXX and became a customer of XXXX, XXXX DBA XXXX XXXX XXXX XXXX Provider on XX/XX/XXXX. I was then informed that a deletion of that second credit inquiry would be sent over to Equifax and it would take 30 days to be remove. I contacted XXXX  XXXX again in XXXX, XXXX, XXXX, and again on XX/XX/XXXX. After speaking with XXXX  on XX/XX/XXXX, I filed a dispute with Equifax thinking it would speed up the process. I was wrong. The investigation was completed on XX/XX/XXXX with credit inquiry not being removed and reported accurate. I spoke with XXXX  again and filed another dispute with Equifax on XX/XX/XXXX. That investigation was completed on XX/XX/XXXX with the same results being verified as accurate. I received this information by a confirmation letter mailed to me from the Equifax XX/XX/XXXX. I contacted Equifax by phone twice on XX/XX/XXXX and explained to the customer service representatives the situation at hand. They both only advised me to contact XXXX  again and handle it directly with them. I called XXXX  again at XXXX but received no answer because the office was closed on a Sunday. I also sent an email to Equifax ( XXXX ) and two emails to XXXX, XXXX  ( XXXX ) on XX/XX/XXXX explaining both about my frustrations and having this unauthorized credit inquiry removed and resolved as possible. Another dispute was made on XX/XX/XXXX also.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I received a call from my lender as I amtrying to purchase a home. XXXX advised me that I needed to pay off my capital one credit card. I called capital one on XX/XX/XXXX I was advised that they couldnt provide me with a payoff at that time because I had a XXXX dollar payment that had not posted so the woman couldnt give me a good pay off amount she advised me to call back on XX/XX/2020 I again called back I spoke with a woman not sure of her name she advised me the payment had posted and gave me a payoff of XXXX I advised her I would be calling back once the payment was made. I sent the XXXX XXXX  the same day called back spoke to a supervisor cant remember his name. He advised me that they did receive the payment but that he couldnt XXXX out my balance until the payment posted he advised me to check my app everyday until the balance was updated. On XX/XX/XXXX I called Capital one again because I seen that my balance was updated to - {$61.00}. I spoke with a lady she advised me that she seen my payment did post on XX/XX/XXXX that she could send me the letter that I needed to send to my lender at that time she sent me the letter via email she also advised me that I had a credit on my account because I over paid. On XX/XX/XXXX I received an email from capital one saying I had a balance of {$6.00} I called capital one again and spoke to a lady again and asked to speak to a supervisor his name is XXXX badge number XXXX he advised me that the pay off amount that I was given was a estimate and that they used the credit that I had of XXXX and that I owed them a balance of {$6.00} because the payment didnt post to the account on XX/XX/2020. I advised him that I have the letter showing that it did. The supervisor advised me that I owe this money because of interest on the account. I advised him that it was incorrect because I did everything they told me to and I paid the full balance I was told to. I also advised him that I would like to make a complaint he said there was no one higher the him I could speak with and that I would still owe the money he advised me that he will not be doing anything about this. So In a matter of one day I had almost a 70 balance of interested on a card that I paid off.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX I disputed a charge of {$710.00} from services rendered by XXXXXXXX XXXX XXXXXXXX for unauthorized charges to my car. I received a denial decision letter on XX/XX/XXXX and placed a call to BOA on XXXXfor information regarding the denial. I was told that the vendor did not respond to the request for information. There were multiple conversations regarding the decision. I asked the representative why was my limit decreased she informed me that I would have to contact credit analysis at XXXX in which that was XXXX. I spoke with their representative and was advised to request a credit report. On XX/XX/XXXX I asked to speak with a supervisor and was transferred to XXXX who identified himself as a supervisor, later to find out he was not a supervisor ; however, this representative transferred me to credit analysis department who gave me the reasons for my credit reduction. His reason was stated in letter dated XX/XX/XXXX. After receiving the letter I placed a call to BOA when in the call I asked why my credit report was pulled because I had not requested a line of credit increase or was I two consecutive months past due. She stated that they can every month run a credit report, I said that is not true. I reached back out to XXXX and expressed my concerns regarding BOA pulling a credit report the customer service confirmed the information was correct when a credit report could be run and advised me to contact this office. After the call to BOA on XXXX received XXXX letters dated XX/XX/XXXX ( see letters enclosed. ) I have attached the XXXX credit report that BOA used to justify reducing my line of credit by {$10000.00}. I feel that after my request to dispute the {$710.00} from XXXX XXXX XXXX BOA retaliated against me by reducing my line of credit. I believe that it is possible BOA may have run my credit against the fair credit and reporting law.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (GA)

basically my account was on hold for XXXX years no one emailed me back I was finally able to login and see you guys still took money out for a maintenance fee on an account i couldnt use and I never got the funds back or a new card ordered or anything Ive included screenshots showing i emailed back and appropriate time to call and also showing the fees
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (VA)

Do not use CURRENT AND THEIR DEBIT CARD. 
They closed my account with no reason and hold my money in their hands. No check was provided because of closed account. By the phone or email they keeping pretend they don't have my account on file, so agent is not able to help. I loose a hundreds of dollars because i used their service! I hope company representative goes to jail. The police report was filed against them
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (IL)

I have reporting on all ( 3 ) credit bureaus that my Lending Club loan account and XXXX XXXX XXXX XXXX car loan accounts are showing as " closed accounts '' and not as " paid in full '' which is lowering my credit score. I'm asking that this is corrected on all ( 3 ) bureaus.
Consumer complaint received 2020-05-18
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. (OH)

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with Experian, XXXX and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-05-17
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. (NC)

I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO EXPERIAN, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT XXXX  XXXX XXXX PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Due to COVID-19 I am experiencing unprecedented financial hardship. I sought to contact Capital One regarding the annual membership fee of {$39.00} on one of my cards. They have advertisements, web pages and mail that says they are helping their customers. A Capital One Spokesman even said " The specific provisions offered really depend on the individual customers needs, but can include fee suppression, minimum payment assistance and deferred loan payments ''. Fee suppression in this instance implies to me as a customer that they will not be charging or they will be assisting clients of the bank in their financial hardship. 

This is very misleading and damaging to Capital One and their integrity. I did not have a balance due nor have I used the card ( s )  yet now I have to chose between groceries for my family and paying a Capital One member fee of {$39.00} and {$19.00} despite comments made by an official making statements on Capital One 's behalf stating they will be helping and will be conducting fee suppression. 

I believe this constitutes a regulatory contradiction. An official says one thing and the bank 's employees conduct negative or no action directly against what the company 's official spokesperson said to the public.
Consumer complaint received 2020-05-18
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. (GA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My husband died in XX/XX/XXXX, complications due to XXXX, while vacationing in Vermont. After his death I discovered, my husband took a home equity against our home. He is the only signer on the account HOWEVER I am on the original mortgage AND I am on the deed. Since the pandemic I was granted two cycles of forbearance, now expired. I am trying to speak with ANYONE in SLS and they will not speak with me OR my attorney and give us the payoff for the closing. They are insisting on probate and a court-appointed representative. According to the Massachusetts licensed estate, bankruptcy, and real estate attorneys I have consulted, this is NOT necessary as we had a will. SLS is unwilling to allow us access to this debt, by speaking with me and providing a payoff and therefore have begun foreclosure proceedings. The last conversation my real estate attorney had with SLS was on XX/XX/XXXX. I have a purchase and sale agreement from XX/XX/XXXX, and a projected house closing in early XX/XX/XXXX. I have been attempting to speak with SLS and obtain information since XX/XX/XXXX. I am trying to dissolve this debt. I called today XX/XX/XXXX requesting the payoff amount but was refused this information. I have the money but I am unable to obtain an exact amount as my deceased husband was the only authorized party. According to Massachusetts law, I am the authorized party as I am the surviving spouse ( with a will ). I am being held captive by this loan company and its unethical policies and their practices may impede the closing on my home.
Consumer complaint received 2020-10-28
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)

I CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-23
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. (MI)

I have disputed this account with Experian, They updated the inaccurate information and left the account on my Credit report. STATE OF MICHIGAN CHILD SUPPORT XXXX. This is inaccurate, i have not given anyone permission to use my information for this account, i do not have any credit transactions with this company. Experian refuses to remove this fraudulent account and inquiries. Inqiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device this agency is in violation of 15 USC 1681a and i ask that this fraudulent account is deleted immediately.