davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

BB & T bank unfairly and fraudulently charge my account XXXX dollars in overdraft fees XX/XX/2018 claiming they process 3 Echecks that I'll have written. What bank processes Echecks in less than 15 hours and this 15 hours is the time frame I need the Consumer Financial Protection Bureau to look at, contrary to what this bank would tell you or me BB & T has never processed a Echeck in less than a 15 hours or one day period. I'm asking you the Consumer Financial Protection Bureau to look at BB & T BANK forensically concerning how and who are being charged overdraft fees and their procedures processing Echecks and you would see it's always a 48 hours procedure with BB & T bank. BB & T bank has fraudulently took this XXXX dollars out of my account operating out of the norm of the way they normally do business concerning Echecks and processing them. This is nothing but greed for the soul purposes of showing quarterly profits for BB & T bank and to benefit the shareholder. Example : I have money that should be in my account right now if they were processing Echecks at the end of each business day but that is not the case, any money going in or out of any account with BB & T bank electronically is not going to be processed in no one day. BB & T would tell you or me it's in their bank service agreement. BB & T personally told me the XXXX dollars they took out of my account for overdraft fees is their money and that's the end of the story. Is it fair no it's not.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Collectors of Wisconsin, Inc (WI)

The company in question is the the Bonded Collectors of Wisconsin. This company is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin XXXX. 
I have filed multiple disputes though the XXXX website because this was the only credit agency that they were reporting too. There were XXXX accounts that I was able to get removed after filling multiple times even though I disputed every account every single time I made a dispute. These account had wrong date, and falsified payments, and the person that the debt was owed.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (IL)

I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Consumer complaint received 2022-08-01
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

On XX/XX/2020, opened an account in response to {$500.00} promotional bonus offer and despite meeting all requirements have not received the promotional bonus. In addition, received from this institution a letter of investigation related to fraud on my account. Upon chatting with representative on XX/XX/XXXX, to inquire about the status aforementioned bonus payment, was told there is a fraud block on my account and that I would need to contact department by phone. Immediately called, was transferred around couple times, spoke to an individual by name of XXXX, who was said to be able to assist, and eventually said he couldn't help and I should go to a branch. Given circumstances related to coronavirus, I am not going to expose people or myself to possible infection.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Currently I'm with XXXX XXXX  XXXX for Student Debt Relief Program. From my understanding the school I was attending XXXXXXXX XXXX XXXX XXXX and they closed down during the time I was starting my XXXX XXXX XXXX in XX/XX/XXXX. I was to start on XX/XX/2015. Wouldn't I be eligible for Closed School Discharge? I wanted to enroll in another school after they closed and my credits didn't transfer. Honestly I feel I was defrauded into the debt. False job placement and online certificate class. They closed down and I wasn't able to finish my educational program.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (NY)

Celsius Network LLC paused all customer funds withdrawn on XX/XX/XXXX. The company stated multiple times they should never do that and even did this before filing for bankruptcy before XX/XX/XXXX, so customer funds would be forced to be stuck in bankruptcy holding. This is a blatant false advertisement, and they would not even allow custody accounts to withdraw funds even though the money is not earning any yield. I have approximately XXXX XXXX stuck in custody, and I have a loan with Celsius for XXXX XXXX that I can not pay and withdraw funds from. My collateral is attached, yet they ask publicly via email to wire them more money without any promise to give collateral back on XX/XX/XXXX. This seems like an extortion of funds, and they are praying in fear for their customer to send them more funds. You can not even use your custody account to pay for your loan. If I have to give a failed company more money to pay off a loan, we may never access the funds ever again. This is a failure of legitimate business practices. There is a lot of fraud and abuse of customer funds that Celsius Networks owes its honest clients. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX PM Dear XXXX XXXX This is to confirm that we have received an interest payment on your loan. 


Payment Date : XX/XX/XXXX XXXX PM Interest Amount Paid : XXXX XXXX XXXX XXXX XXXX in USD : {$11.00} Discount : {$0.00} Currency : XXXX Loan Number : XXXX Loan Amount : XXXX XXXX XXXX : 1.00 % Total Interest Outstanding : {$100.00} Next Interest Payment : {$11.00} Origination Date : XX/XX/XXXX XXXX AM Maturity Date : XX/XX/XXXX XXXX AM Current Collateral Balance : XXXX XXXX XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes
Consumer complaint received 2020-06-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (VA)

My wife and I have a joint checking account with Ally Bank. Recently, my wife 's debit card was used for an online purchase ( Approximately {$160.00} ) that we immediately recognized as fraud and reported to the bank. The bank is currently investigating the incident. The bank agent informed that nowadays, devices can scan debit or credit cards just by walking near the person 's wallet. My wife and I never use debit cards for transactions ; we always use credit cards for higher security. However, we are now fraud victims because of these con artists. 

Thank you
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc. (AL)

This company failed to verify the account in the disputing process within the provided time of 30 days. XX/XX/2021, U.S AUTO Finance opened a closed account on my credit reports, as well made a payment on the account on my behalf and lowered the balance. This is unethical behavior and they are taking advantage of consumers and our rights.
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In XXXX, I arranged for an individual to perform landscaping services to my yard. I only knew him by the name XXXX. He used the business name XXXX XXXX XXXX XXXXXXXX. I paid for the services by cash, XXXX transfers, and with my Bank of America ( B of A ) credit card. Services were completed and payment in full was made before the end of XX/XX/XXXX. In XX/XX/XXXX, five more charges were made to my credit card by XXXX XXXX XXXX XXXX that were not authorized by me. I contacted XXXX ( the XXXX  ) by text regarding the charges. He said his banking information had been hacked and he denied making the XXXX charges. He verified that the final payment was " around XXXX. '' I contacted B of A in XX/XX/XXXX regarding the above. The XXXX charges were initially reversed. Then they were charged to my account again. B of A stated that the business responded that the charges were all valid and that I still owed more money. I contacted XXXX and he denied ever receiving any contact from B of A from their investigation. I sent him copies of the response that B of A received. XXXX stated that the merchant name and logo were not the same as he used and he again denied making any charges in XXXX and that his account information had been compromised. 
Disputed charges : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2100.00} December 18/, 2021 {$1400.00} Total {$9000.00} Below, I will attach screenshots of the text messages between XXXX and me. 
Note page XXXX he denies being contacted by B of A for the investigation. Page XXXX he confirms that final transaction was around XXXX before XXXX XXXX and he repeats that the charges were not from him.
Consumer complaint received 2018-08-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (FL)

Hello I am writing to complain about the way my student loan debt has been handled. In or about 2010 I had about {$100000.00} of student loan debt because of finishing XXXX XXXX or I obtain my XXXX XXXX. I moved out of the country and because of my financial situation let y student loans lapSe for a short period of time and during this time whoever was in charge of these loans double the amount that I owed from XXXX to XXXX roughly these figures are not exactly precise but in the right neighborhood. So I contacted the lenders the federal financial loan people XXXX XXXX and asked repeatedly for them to investigate why this happened. There was never any satisfactory answer as to why this happened or a resolution of the problem. Each year even though I have since handled my loan situation by signing onto the new income-based repayment plan there has still been about {$10000.00} added and it each year because of interest even though Im not required to pay until I find a job. I have repeatedly requested from the XXXX XXXX XXXX XXXX XXXX that they investigate this and reduce the figure that I owe them to what it really should be and either receive no response or a response that says we can do nothing about about the unfairness of adding so much extra money to my balance when in reality it really ought to be down around {$100000.00} figure which is where I borrowed in the first place to graduate from college
Consumer complaint received 2019-01-09
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: ALLY FINANCIAL INC. (TX)

IN REGARDS TO : ALLY FINANCIAL XXXX XXXX XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION XXXX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office. 
3. File a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2018-08-22
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. (SC)

I have disputed with equifax several times. XXXX XXXX gave me this as proof that it is my account. 

This is not my signature or social security number so the investigations I have requested are not being done properly by equifax. I am demanding equifax do a proper investigation and have XXXX XXXX match ALL information and delete this file because they have not verified my account. 

This is a complaint to be filed with equifax for not doing a proper investigation. Equifax continues to say that the social security number matches up but it does not. 

... ... ... ... ... ... ... ... .. 

My information XXXX XXXX Date of birth. XXXX Social Security # XXXX
Consumer complaint received 2022-08-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX # XXXX 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 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I have a loan with Ameris Bank. The terms of my mortgage loan are not being honored by the mortgage company/servicing. The terms of the loan included an interest rate buydown, but the mortgage company continues to not honor the buydown, instead charging me the full interest rate ( which equates to {$400.00} more dollars on my payment each month ). I have called the mortgage company many times trying to resolve this issue, I have escalated to multiple supervisors at the customer service department, and I have reached out to my original loan officer. Each party claims they are researching this or escalating it, and that I should check back later for an update. This issue has most recently been ongoing for the last six weeks, but has been a problem since the beginning of the loan. 

The mortgage closed on XXXX XXXX, XXXX, the first payment on XX/XX/XXXX reflected the incorrect amount, I reported it immediately to the mortgage company and payed it anyway. The next several months were the correct amount, paid by check and mailed to the mortgage company. Once the loan was moved to a new servicer on XX/XX/XXXX, the incorrect payment amount resurfaced and I again began to try to get it corrected. To avoid any negative marks, I again paid the incorrect amount in XXXX, and have been trying to get the payment amount resolved for XXXX. Halfway through the month, the issue is still not resolved and I have not received any assurances that it will be - only that I can check back on XX/XX/XXXX to see what the latest status is. 

I have provided the company with my loan package clearly stating the correct amount, yet correspondence with the " research team '' at Ameris was closed and I was told that the payment amount is actually correct as it stands - it is not correct. 

I continue to speak with customer service in attempts to fix this problem, and I have been waiting for a servicing liaison with Ameris to return my email about how this will be resolved. I am reporting Ameris Bank to the CFPB because I have no faith in the company to resolve my issue without some kind of oversight or accountability. 

The correct amount of my monthly payment ( PITI ) should be XXXX. They continue to request XXXX, which is the correct amount once the buydown period expires in XX/XX/XXXX. It is not fair or correct for me to be held to to the higher payment amount per the terms of the loan agreement and as each month passes, I'm afraid it will become harder to avoid paying this higher amount. There appears to be no incentive at the mortgage company to get this right.
Consumer complaint received 2022-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY (NY)

I enabled auto-pay on the loan. My payment portal clearly indicated " Auto Payment On. '' But, the Auto Payment system did not work for the last billing period. I signed-in the first Monday after the end of the billing period ( XX/XX/2022 ) to see if the Auto Payment had worked as I expected it to -- it did not. Instead, I had a late fee ( {$39.00} ) and the most recent payment marked as " overdue. '' I immediately paid the balance ( on XX/XX/2022 ) and reached out to AMEX support to get this resolved. It is a deeply predatory behavior for a loan provider to trick their customers into paying a late fee through an Auto Pay delay. Why show that I had " Auto Pay Enabled '' even when I did not? They intentionally mislead customers into not making manual payments by making it appear auto-pay is enabled, even when it is not. I received no communication from AMEX ( email, mail, phone, text, etc. ) about the due date of the payment, and especially no communication around the status of auto-pay.