davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WI)

I tried to use my checking account today and it was declined. I called my local US Bank and was told that my checking account was closed by the bank and that I would receive the balance of cash in my account by a cashiers check in 7-10 business days and a letter. I was given a number to call to get more information, but no matter how many times I requested to be transferred to a higher person to get an explanation or resolution, I was told the exact same information and the representatives were very rude and dismissive of my complaint. I told every person at US Bank that I spoke with that I have no money for groceries because all of my money was in my checking account ( which Ive had for over 20 years ). They did not care and told me repeatedly that I will have to wait to get the check in the mail. I was not told by US Bank that they were closing my account and had no warning so that I could withdraw my money. I was even told that US Bank can close an account at any time they want and that its written in my banking contract. I stated that I dont think its legal for a bank to deny me access to MY MONEY for an indefinite period of time. So now I have NO money for groceries and gas for XXXX weeks. I also have written checks that have not been put through yet, so I will now have NSF fees to pay and possibly penalties from the companies I wrote checks to.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Due to Covid 19 myself and my wife have been laid off. We were previously just furloughed but now we've been laid off. We had been struggling to make our mortgage ever since but now that we are both laid off there is no way we can make our mortgage payment and continue to pay the other bills we must pay. At least until one of us finds full time work. We are looking but we reside in Florida, our jobs were both in the XXXX   XXXX  XXXX  ( me XXXX, her XXXX XXXX and trying to find any work in that line is useless. 

Reached out to Shellpoint last week letting them know the issue. Have not heard anything from them at all. With the horrible way they handle our mortgage to begin with I am reaching out to you again for assistance. 

I believe they must allow us payment deferment which we should have applied for months ago. They are not communicating/assisting at all.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of XXXX/XXXX/2017 on all three bureaus.
-Previous complaint XXXX about XXXX .
-Previous complaint XXXX about EXPERIAN .
-Previous complaint XXXX about XXXX XXXX XXXX .
They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows.
The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts.
Please help.
Consumer complaint received 2018-09-21
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: CITIBANK, N.A. (IN)

I have been charged interest charges on unpayed balance since XX/XX/XXXX upto and including XX/XX/XXXX. During this prior of time I never received a paper or e-mail statement on billing. Therefore Sears Citi Credit Card Company has been taking the mim.payment from my checking account and adding interest at a high rate monthly on the unpayed balance. I think since I did not received any monthly statement that I should not be liable for any interest charges to my account. Prior to this time frame I have always pay my bill in full monthy. I am a Senior age XXXX and not afford all of these bogus charges. Request an Investigation into this matter.
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

My loans are serviced through XXXX XXXX. I have been in the IBR/IDR program for years and have kept my account current. AES contacted me as they do every year and stated I had to renew my IBR program. I sent in the form and paystubs over a month ago. I feel that they are intentionally delaying my right to reduce my payments under this law of this program. I have sent my paperwork in several times and they keep denying it due to additional documentation needed. I've sent my paystubs 3 times in the last six weeks to get this resolved. I've sent in several emails including this one today to AES which states the following : I have been trying to get my IBR/IDR case processed through you company for over a month. The last letter I received says you denied it because you don't have all the documentation. I have sent over my paystubs which displays I can not afford a $ XXXX  monthly payment and I have a XXXX dependent in my household. I take care of me and my daughter. I am a single mom. I feel like you are intentionally delaying this process and therefore, I am going to put in a complaint with the government regarding your company. You are not allowing me to exercise my right to reduce my student loan payments due to income. Once again today, I have sent over my IDR form and my paystubs. There is no other documentation to provide you. I am not married. I have been in this program for years and it is very ironic that you are delaying my right to reduce my payments all of sudden. I would like a supervisor to contact me to get this resolved or I will be moving my loans over to another company.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (FL)

I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with XXXX to freeze my credit report.
Consumer complaint received 2022-04-06
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. (LA)

i was notified by a mortgage loan officer that Equifax credit report shows two account for XXXX XXXX XXXX, one under the company name {$1100.00} and the other as an account for XXXX XXXX {$1100.00}. When I contacted XXXX XXXX XXXX at XXXX I was told by XXXX that XXXX XXXX handles all collection for them. I contacted XXXX and spoke with XXXX through the help desk at XXXX XXXX and was told that they will investigate it further. After being told by the mortgage loan officer that my loan application was suspended, I opened a dispute with Equifax on XXXX XXXX XXXX. I do not recall receiving results of this investigation nor did I log into the dispute center timely to review the results. But, I was informed by the mortgage loan officer after doing a soft pull that the duplicate account is still on the report, XXXX XXXX shows paid, but XXXX XXXX XXXX still shows open and not paid. This is the same transaction just entered in two different times on one report. My XXXX and XXXX reports do not show this error just Equifax.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

I had someone call scam me representing my bank for 2 debit card transactions on XX/XX/2023. The caller ID even said my bank name. I immediately upon hanging up with this man called my bank and told them what happened in detail they submitted my claims. Which are now as of today closed and they have said that they were authorized transactions. They infact were not authorized by me but by someone that called me representing my bank. They were for International airline tickets in the amounts of {$310.00} and {$620.00}. I tried to dispute the closed claim and was shut down I tried to speak to the airline and they said that no one else could possibly use my cards with out authorization. Please help me to fix this. How is someone soppose to protect themselves if someone can get into the bank system and call from their number and send you an authorization code to speak with them from the bank. I have had my card info stolen before and the bank has been able to see that those transactions were clearly not me but this time they said that there was no information where these transactions originated from.
Consumer complaint received 2023-05-30
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: DISCOVER BANK (PA)

On XX/XX/XXXX my discover card was charged XXXX dollars by XXXX. Estimated delivery was for XXXX. I ordered 2 scooters, 2 mirrors,2 cell phone holders and 2 bags. In XXXX I initiated a dispute because I could not reach the seller about the delay. I received 2 cellphone holders valued at XXXX dollars. I received nothing else. Was contacted in XXXX by discover saying that they closed the case and considered it a valid charge. I finally got a response from seller stating that I am no longer on the delivery list because I disputed the charge and to contact my bank if I am confused about the refund. I sent this information to discover and it been two weeks and have not got a response. I used this card to protect myself in case of a bad purchase. I did not receive my items and discover has not resolved my problem. XXXX is denying responsibility and the seller had admitted I am off the list for delivery. I am requesting that discover reverse the charge. All documents supporting this have been sent to discover.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion XXXX XXXX are reporting a collection account that has not been validated as belonging to me and they have provided me with no documentation from their investigation that proves this account belongs on my credit report. There are several inconsistencies on my report as well so this means no validation was done because the account can not report XXXX different ways this is a violation of FCRA. The account in question is XXXX XXXX  Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I was solicited by Home Depot to open this credit card and used it to purchase some new appliances for my home. I was promised 0 % interest if the principal balance was paid off within two years. I was reluctant at first since I had plenty of money in my bank account but feel I was aggressively persuaded by the store representatives to open the credit card. After opening the credit card and charging the purchase, I made multiple attempts and phone calls to Home Depot to set up automatic recurring payments to ensure it would be paid off within the two year interest free time period. In one of the recorded phone calls I asked verbatim So the automatic payments are set up so it will be paid off within 2 years? and the young lady representative responded Yes. And now, Home Depot mysteriously does not have record of the recorded call and are charging me an absorbidant amount of interest. I can show substantial proof that at the time of purchase then and now, that it is financially feasible for me to pay for these appliances outright with my own bank account. However, due to the unfair solicitation and improper set up of automatic payments and record keeping by Home Depot, they are now charging an exponential amount of interest. I contacted them concerning the issue in XX/XX/2018 and they have no record of that phone call either. So no record of any recorded phone calls and no record whatsoever of my phone call in XX/XX/2018. However, I guarantee that there is a record to show that they set up the automatic payments for me. I have already paid off the entire principal balance and would ask Home Depot to completely remove the questionable interest charges. If this dispute can not be resolved amicably, I will have no other recourse but to seek legal counsel which I would prefer not to do. Kind regards, XXXX XXXX.
Consumer complaint received 2021-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (CA)

I had a small balance on my line of credit with Chase. 

I paid {$430.00} towards my loan on XX/XX/2021 at the XXXX CA branch. 
XXXX. For some reason, the branch overpaid the principal balance, making it negative ( credit balance ) XXXX. In XXXX, even though the total account balance was negative, Chase went ahead and charged me a late fee ( XXXX? ) XXXX after unsuccessful attempt at trying to resolve this over the customer support line, I went to the XXXX XXXX branch on XX/XX/XXXX to sort this out, and I was told that I need to call the XXXX line first, or come back next day to see the business banker even though she was in the office. 
XXXX. I got a letter today XX/XX/XXXX informing me that my account was past due and a late fee was applied
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both XXXX  and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both XXXX, XXXX and/or BBVA as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP (GA)

Called company Aldridge Pite Haan LLP on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after XXXX XXXX XXXX XXXX agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after 15 minutes of being on hold. Company supervision needs to reach out to me as they have promised.
Consumer complaint received 2019-11-05
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. (TX)

The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-08-19
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-19
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-02-23
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: ONLINE Information Services, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ONLINE INFORMATION SERVICES # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to ONLINE INFORMATION SERVICES # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX at around XXXX, my American Express Serve account was permanently suspended & i was locked out. My husband and I have a joint account & he can't access his subaccount or his money either, which was payroll direct deposit from his employer last week. It sucks because he is a hard working essential worker & can't access money he worked hard to earn. I have called numerous times & spoke to a few different people & was told by the last one, that it was because of my last name change on my unemployment. However i have been receiving direct deposit from my employer with my last name change without any issues. And was actually told by customer service, right after getting married, that it wasn't necessary to change it, but could if I wanted to. They even accused my husband of not being who he is, looked and reviewed our account again & saw that they were wrong about that and for holding his funds. They both said that it would be unlocked within 48 hrs. It has not. They are liars & a joke at this point. I have been with Amex for over 3yrs & this has never happened. I will be closing that card as soon as funds are accessible. Already have a new actual bank account set up. We are broke at the moment & they are holding over {$500.00} from us. Please help us as we are just trying to make it & can barely survive. They need to be stopped as there are hundreds of people online that have also been suspended as well. The only explanation they give us, is that we broke section 15d of user ahreement. But we did not. None of us gave them permission to do this & American Express has broken their own user agreement. I am disgusted & dissapointed, as bills are due & we can't access our funds to pay them.