davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster bank takes overdraft fees after XXXX electronic transfers were taken out after i purchased a book they took the money out again This has happened numerous times. These are not over drafted checks they are electronic transfers ' according to dood franks act you can not be charged for anyone under XXXX dollars they did this numerous times.
Consumer complaint received 2015-12-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (ID)

I have multiple private student loans from Navient, and I am under significant financial duress due to the burden of trying to pay {$550.00} worth of private loans with an additional $ 220 monthly on Federal XXXX loans. As such, I contacted Navient to tell them that I 'm not able to pay both loans simultaneously. After a lot of negotiation ; a manager at Navient agreed to extend the payment duration of my private loans and roughly cut my payment in half. The purpose of this was to help me pay both my private and federal loans simultaneously. Navient agreed with 100 % certainty to give this deal to me, provided I gave them authorization to withdraw payments from my checking account monthly. The only catch was that I had to call back the next month to initiate the deal because the private loan payment was already made for that month. When the next payment came due, I called back to initiate the new payment deal, and I was told that this was " never offered to me '' and that they refused to agree to the pre-agreed deal. As such, I requested the recorded conversations between me and Navient. The staff at Navient refused to provide this information to me, and they told me to call the Consumer Financial Protection Bureau if I took issue with their refusal. I am requesting help with this matter because I have been deceived by Navient and they have given me absolutely no flexibility in paying back my loans, despite the fact that I have absolutely no bankruptcy protections. Please help me!
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.
Consumer complaint received 2020-10-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!
Consumer complaint received 2015-09-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (CA)

We purchase airline tickets and game tickets with our American Express card in XXXX for an event in XXXX for the XXXX XXXX. The airline tickets were arranged by American Express travel. We cancelled in XXXX once the Covid 19 was in full swing and it was clear we would not be traveling. We contacted both companies XXXX XXXX and XXXX XXXX for hours on the phone trying to cancel the events and credit our AMX card. XXXX XXXX XXXX said they would give us a credit but would not put it in writing. XXXX XXXX said the event would take place in XXXX and we would get tickets for that event. I am in my XXXX 's and not sure when I will be traveling again. Not to mention that there is no guarantee that this event will ever take place. I have medical issues that XXXX knows about. They asked me for a letter from my Doctor which I sent months ago. I have been out of work since XX/XX/XXXX due to the virus. We have been going round and round with AMX regarding this issue. It has been a burden to my health and family with this on going battle trying to get credit for a flight that was cancelled by the airline because of the pandemic and 2 soccer games that were cancelled by the XXXX XXXX.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Related case XXXX can TransUnion put up such a fight to remove items from XXXX XXXX XXXX when XXXX has admitted that there is no proof of me being late on this credit card listed on my file? 

How can TransUnion say an they have verified an item with the original furnisher when the original furnisher ( XXXX ) has addmitteed that they do not have a record of me being late? Please see attached recorded call. 

This raises a lot of other issues including, but not limited to FCRA section 623.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

I am currently late on a credit card due to an issue with changing checking accounts. Chase is calling my brother 's cell phone number regarding this and asking for me. My brother repeatedly asks them to stop calling and asks where they received the phone number, and they stated first, " it is the number on the account. '' ( It is not. ) Secondly, when my brother says that is not true, they finally said " We received it from a third party website to receive a relatives number. '' In addition, they are calling from an UNKNOWN phone number. This harassment needs to stop asap.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX has violated my rights. Or the list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (PA)

Since the migration of the AXOS Invest product to their website on XX/XX/XXXX, no withdrawals or transfers have been possible. I have been attempting to withdraw funds for over a month. I contacted support after my request was not filled and was notified my investments have not yet been sold and they have no ETA. Nothing has been transferred weeks later. Keep in mind the market is extremely volatile, so my account balance is decreasing during this time. There is no way to determine when funds will be sold or the value of the underlying funds when trades are executed. I desperately need this money. There are over 19,000 other people in the same position.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (MA)

I signed up for a PayPal account through their online portal. At no point did I authorize or give information for a line of credit through PayPal. Without my permission, PayPal did a hard credit inquiry on me and opened a line of credit in my name. I closed the credit line immediately upon realizing, which was extremely difficult to do as PayPal customer services was evasive in my attempts to close the account. I am now left with a hard inquiry on my credit report, and as a young person without longstanding credit, this inquiry is causing a decrease in my credit score.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE CHARGED OFF THE ACCOUNT THAT WAS PAID AS AGREED ( BY MY EX SPOUSE ) WITH NO LATES ... .IT IS DAMAGING TO MY CREDIT REPORT AND IT IS STILL REPORTING A BALANCE DUE ... THIS IS NOT MY LIABILITY IN FIRST PLACE!!!
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION (IL)

Greater Suburban Acceptance is reporting incorrect Information to all XXXX of my credit bureaus. I 'm requesting that they send me all documentation. The car was repossessed and sold. 
1. I need the original documentation on the loan agreement 2.I need the information on the price the car was sold for 3. I need proof of the difference in balance that they 're saying I owe them 4. I need a direct person to talk to if I have future questions in regards to this loan
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (OK)

A background check done by First Advantage lists a XXXX conviction I never got. I had been given a misdemeanor and only a misdemeanor. Not XXXX as listed. Reference # XXXX is incorrect and needs to be deleted. Reference # XXXX is the correct charge I received that day. Please correct immediately. County court XXXX in XXXX XXXX Tx is records.
Consumer complaint received 2015-04-30
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC. (IL)

The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OK)

I have an XXXX credit score. We have two accounts already with Synchrony Bank. 
About 2 months ago I applied for a Sams Club card with Synchrony Bank, and received a card and activated it. I called and requested a card for my wife so she could use the card. 
Customer service said it would take 30 days before they could send one. I told them if they could not be accomodating, to close the account.Was told there had been an address change. We have had the same address for 21 years. On XX/XX/XXXX, I made an application again and when I called customer service was told it was rejected. Could not get a reason why and didn't know how to get card. I wrote letters to the president of Synchrony and Sams Club, with no reply. I spoke to 6 different departments over 30 minutes and got no answers. Apparently Synchrony Bank customer service is in disarray Still would like to get the credit card, but someone must get Synchrony to correctly service consumers.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I recently submitted a complaint for the credit card provider for a closed credit card from XXXX. The company did not respond to my specific questions or concerns. I called their accounts recovery department on 8 separate occasions this year and they did not mention any those phone calls. In XX/XX/XXXX, on of their account recovery specialist did indeed state this account first went delinquent in XXXX not XXXX. Yet, Citi failed to even address this phone call in their response. They failed to mention my multiple phone calls from XXXX to XX/XX/XXXX. I asked them to update my credit profile to included my entire history with the company dating from XXXX until the account was closed. They failed to even address this matter. As well, CITI updated my three credit bureau profile, all three, indicating I still owe this balance on XX/XX/XXXX. I now have an active credit card debt of over XXXX dollars with {$3200.00} reported by CitiCards. This balance was written off and discharge in XXXX and this information can be found in their response letter. This is the reason why I can not make a payment to settle this debt because Citi discharged the balance in XXXX. This account had a XXXX  from the time it was written off in XXXX up until XX/XX/XXXX when they replied to my complain. I do not owe them for this discharged account and as they mention I am not required to make a payment for this account. I received a 1099-C in XXXX for this account and this account was treated as income following its discharged from Citi. To note, paid this debt in the form of taxes in XXXX. Citi tactics is simply bullying and intimidation and this should not be tolerated. I have asked them to simply update my credit profile given the delinquencies have dated back to XXXX and they have not. Instead, of being truthful they have reported this discharged debt as new credit card debt on my credit report. I am asking them to report this account back to XXXX  and please update my credit report to show the full length of my the credit history for this account. My wife and I are closing on a house the next 60 days and because of this one account, we are no longer qualified because this discharged debt dropped my mortgage credit score by 40 points.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (TX)

I Paid my balance prior to receiving a statement and I was charged a late fee. I had a XXXX balance prior to making a purchase in XXXX. I paid the amount I charged on XXXX XXXX, 2016. I realized in XXXX my balance looked different and saw I was charged a late fee for two payments made prior to the statement being generated. The payments were never late and I do n't understand how they can charge a late fee for paying early?
Consumer complaint received 2016-03-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have gone to XXXX different schools, XXXX which are under investigation with the state attorney. I have applied several times including your company asking for an investigation, asking for a reduction, in some cases my school loans to be deleted due to now I still do not have certification. Nobody wants to get involved, I am still in debt, I still owe {$50000.00} to Dept of Education. I have signed an Ability to Benefit which I was asked to send in a paper from the state, if I have not worked. I think having a food stamp card is self explanatory enough. I have applied for every help in order to have my school loans reduced and nothing has happened.
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL to XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from Florida XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. Phoenix Financial Service had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless Phoenix Financial Services due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (CT)

Company continues to try to collect a debt that was canceled by the original creditor and removed from my credit report. The debt is from XXXX but the company continues to report to the credit bureaus that this was a new account open in XXXX. Please have pinnacle provide proof of what they are reporting to the credit reporting agencies. Also I 'm working with officials in the ct consumer protection and ct judicial system to summons pinnacle to court and I 'm am looking for a legal contact number for the company. I was forwarded to a bogus lawyer who sounded like he just woke up and stated he did not work for the company. The company has over several thousand complaints for fraud and non compliance with the federal credit reporting act.
Consumer complaint received 2016-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me
Consumer complaint received 2016-02-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (DC)

Convergent Outsourcing did not have a permissible purpose when it made an inquiry of my XXXX credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Convergent Outsourcing explain why it accessed my sensitive financial information and to provide any documents to support their reason.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I was called by a verified Bank of America customer service number XXXX. The correspondent said his name was XXXX from the Bank of America fraud department. XXXX mentioned that there had been some activity on my account from Wisconsin. I live in XXXX, NC and had no connection. I was skeptical at the call but what had got me was the fact that XXXX knew the last XXXX digits of my social security number, date of birth, and last XXXX of my account number. After I complied with this caller, my account was wiped of {$3400.00}. I was very disappointed, because how can I trust any Bank of America number after this happened to me. I usually dont comply with calls like this but that fact that a correct Bank of America number called me 4 times spark a concern from me. I dont know if this is the right people to report this too but I am concerned not just for myself but for others who might be put in the same situation.