davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

Every single week US Bank puts a freeze on my account. I receive {$300.00} each week for unemployment. The money is withdrawn onto my XXXX every week and yet some how they decide that there is fraudulent activity on my account and instead of contacting me to inquire about this they just put a block on my account without me knowing about it until I go to use my card the day I get paid!! Therefore Often times they make me wait two or three more days while they " verify '' my identity. I have incurred so many late fees from my Landlord which are {$100.00} each month and my credit Score has dramatically decreased in the last 6 months because my bills are frequently late due to the fact that financially things are very restricted and payment due dates are often within a day or two of when I get paid and I am not allowed access to " my '' money. In my opinion NO ONE SHOULD HAVE THE RIGHT TO WITHHOLD MONEY THAT IS RIGHTFULLY MINE AND IN THE PROCESS CAUSE MY FAMILY TO GO WITHOUT BASIC ESSENTIALS! THIS IS CRIMINAL. TO THIS DAY I HAVE NOT ONCE HAD ANY FRAUDULENT ACTIVITY ON MY ACCOUNT. DOES THIS MAKE SENSE TO ANYONE?? THIS IS THE TYPE OF XXXX THAT CAUSES A PERSON TO XXXX
Consumer complaint received 2022-09-30
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. (GA)

THIS IS NEW AND UPDATED INFORMATION : I XXXX XXXX never gave gave Equifax permissible purpose, Pursuant to 15 usc 1681b to REPORT ANY THING ON MY REPORT. Im stating what the law says. They have violated my rights and I demand deletion or well seek remedy.I already contacted XXXX, XXXX, and this complaint at CFPB, According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. 
Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Equifax provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these accounts.
Consumer complaint received 2022-12-28
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. (MA)

Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws.Equifax has added more inaccurate and incorrect information for which I am also asking to be removed. This has the correct attachments do not close this one as duplicate. You can close previous one as duplicate.
Consumer complaint received 2022-09-30
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. (NY)

I have tried for years to fix this issue with equifax. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my equifax account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses. 
I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Synovus Bank (GA)

I want arbitration, and I have been sending Synvous, letters to that effect, but they want to play hard ball on a charged off account, why I don't know. 

I should not have to pay the whole account amount because they have received a TAX benefit from the Government. 

I will sue them if they don't come to the table and resolve this account. 

They are also reporting false information on my XXXX dollar payments to I am providing to show good faith. They are still saying I am paying {$50.00} dollars that's all lies. 




XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint of XXXX XXXX ; Case # XXXX Our goal is to provide our customers with the best possible banking experience. Our customers feedback is important to us, and we would like to share our findings after reviewing the matter you brought to our attention. 
XXXX XXXX complained he is unable to keep up with whom he owes as the name of the Bank has changed. XXXX XXXX also stated he was told his account was with a collections agency, but that no one was able to tell him which agency. XXXX XXXX claimed Synovus is reporting late payments contrary to an agreement with Synovus that once the card was paid in full, the Bank would remove the negative reporting from his credit report. 
XXXX XXXX account was charged-off on XX/XX/XXXX, in the amount of {$12000.00}. The account is currently credit revoked and it is XXXX days past due. The account has not been current since XX/XX/XXXX. XXXX XXXX 
XXXX last payment on the account was made on XX/XX/XXXX, for {$50.00}. XXXX XXXX requested that all negative reporting be removed from his credit bureau ; however, in the absence of any supporting documentation that this account was charged off in error, the account can not be removed from his credit bureau. Finally, Synovus does not make agreements with customers to remove negative credit reporting in exchange for payment. 
If XXXX XXXX has further questions, he should give us a call at XXXX SYNOVUS ( XXXX XXXX or stop by a branch. Were here to help. 
Sincerely, XXXX XXXX XXXX Complaint Resolution
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (AL)

Hi, I am client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made request XXXXXXXX XXXX  to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. This transfer was made XXXX XXXX XXXX. 
And still I havent my money. 
Corresponding bank for this transaction in CITIBANK NY. And as XXXXXXXX XXXX said CITIBANK NY block this transfer, because of sanction. But XXXX XXXX not in sunction list and i think it illigal. Also i be informed by XXXX that CITIBANK NY closed XXXX Corresponding account XXXX Afte that i reqvrsted geting back my mony to the sender bank but its had not happend yet.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (CT)

This is an ongoing, recurring problem that has been addressed with Key Bank multiple times using multiple modalities including written letters, emails, verbal, in person communications, and telephone calls. 

Key Bank continually allows XXXX XXXX to make unauthorized withdrawals from my account causing the account to continually be overdrawn. This has happened so many times that I requested that the account be closed. Key Bank refuses to close the account ; therefore, this is a recurring problem that Key Bank will not stop or prevent from recurring. 

XXXX XXXX has also been contacted multiple times using multiple modalities. XXXX XXXX is not authorized to make any withdraws from any of my accounts. They were notified in writing via email and the postal mail. They were also notified verbally over the telephone and in person. 

This has to stop. It is causing undue stress. 

Key Bank is empowered to make this stop, yet, they refuse to cooperate. They continue to allow this to happen over and over. It's ridiculous. 

Numerous disputes have been filed with Key Bank to have all the charges reversed. This can not continue to happen. It has to stop.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CoinZoom, Inc. (IL)

On XXXX XXXX at approximately XXXXXXXX XXXX I received a XXXX alert form XXXX of an Unreconized charge through my XXXX account in the amount of {$490.00}. I logged into my XXXXl account to obtained more information. There I discovered an invoiced with information alone with a phone number to dispute the charge. I called the number and a male voice answered and identified himself as XXXX XXXX This person identified himself as XXXX and told me that my phone had been hacked by and they where trying to get into my accounts. He told me that he could stopped the hackers and I needed to download an app called XXXX XXXX. This app allowed him/them to gain access to my phone. Upon access they began serching for accounts associated with money. They had me to allow them access to my digital currency accounts as well as my bank accounts. They told me they had to remove and safe guard my funds before they could stop the hackers. They gained access to my XXXX accounts CoinZoom where I had approimately {$80000.00} dollars in XXXX and XXXX stored. They begin to transfer these funds from my account at a rapid pace. They transferred these funds to a newly created account into XXXX using my information. Then they gained access into my XXXX bank account. They instructed me to transfer {$17000.00} from my savings account to my checking account. They had me send {$7500.00} through XXXX to my son and then had me immediatedly reverse the transaction by having my son send it back. I later discovered they closed/deleted my XXXX account. Then they used {$10000.00} to purchase XXXX from my XXXX account and another {$1000.00} was used to purchase XXXX through my paypal account and XXXX. All this took place a span of about 4-1/2 hours with me. They tried to bring 2 of my sons into their scam but my sons had suspected this was a scam. They tried to alert me by phone and through text but was blocked. They kept telling me to stay calm and that my funds would be returned in 24 hrs. After they where done I became panicy and begin to take action by alerting my bank and the other institutions involved. My bank to action by stopping 3 of the 4 transactions to XXXX. We to other security proceedures to protect my account. However CoinZoom, XXXX made a decision to not cooporate. I filed a report with the FBI hotline for senior citzens as well a report with my local law enforcment agency. After visiting my Social Security office I was advised to visit my State Reprensentive office where thy suggested I file this report with CFPB and the FTC.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MI)

I've sent several request in order to receive my consumer report from XXXX, LexisNexis and XXXX. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.
Consumer complaint received 2022-09-30
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: CL Holdings LLC (CO)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I consolidated my loans more than 10 years ago for PSLF. I have made payments for 11 years under a income based repayment plan. I have certified my employment with the same employer, the State of Ohio government, every year. Fedloan servicing decided they will not certify my employment for a period of time in the middle of my tenure at the State of Ohio, even though I have submitted certification for that time period multiple times as recently as XXXX. This has stopped my from getting PSLF discharge for more than a year. I have tried to straighten this out over the phone, they recognize there is a problem, but then do nothing to fix it. The two loans are consolidated and I make one payment per month, but somehow there are different payment counts on the two loans. I don't see how this is possible. I have documentation to back up my claims. I am fully eligible and have been for over a year. They refuse to discharge my loan or give me credit for my payments made.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I submitted all of my paper work to stop foreclosure of on my home and was unable to get any assistance. I had to file XXXX in 2008 to keep me and my kids from being put out of my home when i was not advised about the arm mortgage. I submitted all the paper work for months and they kept saying they didn't receive anything from me.
Consumer complaint received 2022-09-30
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: FC HoldCo LLC (FL)

In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 601 section 602. States I have the right to Privacy. 15 USC 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: XOOM CORPORATION (OH)

XOOM.COM ( XXXX ) has taken money from my checking account for who knows what that was not authorized. Furthermore, there are numerous other indications of withdrawal attempts, which may or may or may not have gone through ... .amounts ranging from {$150.00} to {$430.00} ( 8 that I am aware of so far ). Two have these withdrawals have shown up against my XXXX XXXX account and for the time being they have redeposited the funds. I have not been able to determine what is the result of the other at least attempted withdrawals. XOOMXXXX has indicated a " Transaction Fee '' for all of these Withdrawals ( attempts ) so they are definitely making money off of these phony activities. .A reoccurring name associated with being the recipient of these withdrawals is a " XXXX XXXX ''. I have contacted XOOMXXXX but have not heard back from them. I also requested a termination of my account as obviously they have no protection against a criminal enterprise even if they are not a purposeful party to it. I do not believe I had these issue prior to XXXX becoming XOOMXXXX
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

Navient Ffelp borrower since 2006. XXXXoan increased from XXXX to XXXX today. One of those years they put me on an ibr without telling me the ffelp would not qualify for loan forgiveness after 25 years. Also told me after leaving ibr that the prior year would not count toward 25 years if so joined ibr again. They made me pay a full regular payment to leave the ibr. A few years later I asked for help joining a XXXX XXXX  And refused to help or advise me on best plan. They have succeeded in keeping me a payment plan that sees my balance rising and lower than dept Ed programs thereby keeping dept Ed programs unavailable to me
Consumer complaint received 2022-12-27
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: LEXISNEXIS (OH)

I have a Bankruptcy report on my credit report. I've reached out to XXXX and said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2022-12-27
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: LEXISNEXIS (GA)

I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

It's been many years, so forgive me if I'm rusty on some of the details. 
Once I began paying down my XXXX and XXXX school loans, the company in charge of them was Nelnet. 
I struggled to find a well-paying job, and every year, when the loan amount that I needed to pay would jump to $ XXXX, I had to call in to ask for a lower payment amount. 
Every time, they would simply ask me how much I could pay, and regardless of how low a figure I mentioned ( {$200.00}, {$300.00} ), they would simply say " OK sure, we'll put you down for $ XXXX. Or, I would apply for the income based repayment plan, again with no issues. 
I was thrilled with the lower payments. Naturally, I figured I was hardly paying down any principal, but my only experience with debts to that point had been with credit cards, where as long as you paid a minimum amount, the principal would be going down ( albeit not by much ). 
Unfortunately, what no one EVER mentioned or explained was that something called negative amortization existed. 
Instead of lowering my principal by pennies, I was in fact ADDING the unpaid interest to my principal balance! 
Student loans are so depressing that I stupidly didn't pay attention to the principal balance for years, just making sure I made my minimum payments on time. 
Until one day I noticed the balance and figured out what happened. From there, I scrambled with my finances trying to get it to manageable levels. It took a VERY long time just trying to pay down all the excess interest I had piled up! 
This predatory behavior is directly aimed at fresh XXXX and needs to be amended immediately.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I deposited a check for {$5100.00} on XX/XX/2022 inside Chase bank located at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I was told by the Chase Teller my deposit would be available XX/XX/2022. My deposit is still not available. I contacted the Chase Bank customer service number at XXXX on XX/XX/2022 and I was told my deposit was not available and they are holding my deposit incase the company ( XXXX XXXX XXXX which is a local organization dedicated to assisting people in financial hardship situations and providing education programs ) would take the deposit back. Chase has caused my account to go into the negative. Chase is currently causing me late fees and charging me overdraft fees. Chase needs to be investigated for this extremely discriminatory action against my account and ordered to pay all of my associated late fees and cancel the overdraft fees they are charging me. Chase is further causing me financial hardship and placing me deeper into debt. Chase is causing my credit score to decline further as well. My lights can be cut off, my car could be repossessed, I can not pay my bills and I am now accumulating more late fees due to this unfounded deposit hold Chase has placed on my checking account. I was also told on XX/XX/2022 by a Chase Teller located at XXXX XXXX XXXX XXXX XXXX In XXXX ; I could not close my account with the hold they have placed on my deposit.