davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

My bank has gone into retaliatory actions against my account regarding me contacting cfpb and /or the services of the FDIC XXXX etc. 

A matter settled with an XXXX XXXX XXXX unauthorized transaction back in XXXX, no loss to the bank nor my account -- -their pay request was returned per my request. I did settle the total amount with them on XX/XX/2021. 
In fact the bank cease processing anything on that transaction. 

They seem to want to have me settle with these unauthorized extractions as though I sit home all day and allow things to happen to my account because these establishing predators are seeking to destroy my account funds and prepaid methods already set up. Exception, XXXX XXXX XXXX always has to have a verbal confirmation or same day as bill due confirmation as I do not leave my account information for automatic payments. 
Maybe my bank has decided this XXXX american customer is no longer worthy of banking respect and fair services. (? )
Consumer complaint received 2021-12-31
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. (NJ)

Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (VA)

I took out an installment loan with Upgrade with a principal sum of XXXX. Out of the XXXX they took a XXXX fee and stated that it was considered prepaid interest. And stated that I would only be financing and paying interest on XXXX. I received my final TIL statement showing the amount financed was XXXX and all seemed to be in order. But now when I log on to my account they are stating that I have a principal balance of XXXX to pay back still. Which is not in line with the TIL and other loan documents that I signed as well as the explanation they gave me of what I would be paying interest on. I called Upgrade and questioned this but did not receive an satisfactory explanation.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, On XX/XX/2021 I authorized a Purchase using my Debit Card with Capital One for {$20.00} to be paid to XXXX. The purchase went through and funds were placed on pending transactions. On XX/XX/2021 the transaction cleared my account and the {$20.00} posted to my checking account. I noticed the same amount was still being held-I didnt authorize a second amount but now I have a total of {$41.00} unavailable to me ( {$20.00} that posted to my account and a pending {$20.00} debit authorization to XXXX which was approved XXXX XXXX ) it appeared the system didnt recognize my payment posting and completing so I gave it another 24 hours. I called XXXX to make sure only one payment was authorized and they confirmed what I saw online, 1 original payment. They also said it went through and didnt come back in anyway. I called capital one today and they verified the {$20.00} that completed and posted to my account was the same as the hold. I clarified that they were stating they agree that this should have released the hold once the payment was completed but they have policies and can not do anything. The rep I spoke with said they agree that it didnt make any sense why they would continue to hold money for a transaction that has now completed and fully posted. XXXX was paid and theres zero risk of any potential loss-yet the managers XXXX and XXXX could care less. Its the equivalent of me taking {$50.00} out of the atm and they hold {$50.00} more just in case. After they confirmed that they were able to discern that it wasnt two separate charges, more of a system glitch but not their problem. As of today, I have been told its not fraud and there is nothing I can do about them holding money for a transaction that was already paid and completed. I authorized one payment for {$20.00} not two and once it posts to my account, continue holding the money for the same payment.
Consumer complaint received 2021-12-31
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. (PA)

I notified XXXX, Experian, and XXXX about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE XXXX, EXPERIAN, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, On XX/XX/2021 I logged onto my citi bank account and the account said account blocked. I waited for an hour to speak with someone and was told that my account had been closed by them without a reason and a check had been issued with the balance. I was concerned because I had just transferred money with XXXX that morning. I was told that that transaction would be declined and return to my XXXX. Today XX/XX/2021 the money I deposited went through to Citi bank so I called them again, because the account is clearly not closed, they told me that the account was on hold to be closed and I would get the money in 30-60 days. I can not wait 30-60 days. I have no money now. I can not get gas, or buy food. I opened an account with a different bank but have no money now. I do not understand how they can do that and leave a person without their funds for 30-60 days. I can not eat without borrowing cash from family now.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (LA)

During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another XXXX reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XXXX XXXX, 2021 Dear Sirs : During a telephone call on XX/XX/2021 from an individual stating that he represented XXXX, I gave out my XXXX XXXX drivers license info. The individual claimed that he was investigating possible fraudulent upcoming charges on my XXXX account for an XXXX product. 

After giving a scan of my XXXX drivers license, I finally became very suspicious of the caller and ended the call. No phone number appeared in recent calls on my XXXX. 

The " XXXX '' individual claimed that there were attempts to use my XXXX account in XXXX XXXX XXXX XXXX. The amount was a pending XXXX product for {$1200.00}. 

My wife and I will be moving to XXXX is about one week. I am not sure that issuing a new XXXX  drivers license makes sense. 

My current XXXX XXXXXXXX drivers license number is : XXXX XXXX. 

Please retain this information for any fraudulent use of my XXXX drivers license. 

I have contacted the Washington State Dept. of Licensing, my bank -- USAA and changed my XXXX password. When I place an order on XXXX I charge the purchase to my USAA checking account or my USAA debit card. 

I don't believe that I gave out additional information. However, the individual may have had software that I believe allowed him to see my home screen on my XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Dear XXXX, I opened HSBC Premier Checking Account under a {$450.00} Welcome Deposit Bonus offer on XX/XX/2021. 

In order to receive the Welcome Bonus, HSBCs offer required me to make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to my HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening. At the time of application, I saved a printed PDF of HSBCs offer that mentions date of application : XX/XX/2021, and lists HSBCs website/URL listed at the bottom of the PDF where I submitted this application. Please see HSBC Checking Account Welcome Deposit Offer - XXXX PDF attached with this complaint. 

I have already met the Direct Deposits totaling at least {$5000.00} from a third party to HSBC Premier checking account for 3 consecutive calendar months requirements by XX/XX/2021, and therefore, I qualify for the Welcome Bonus as promised by HSBC as of XX/XX/2021. Please refer to HSBC Account summary and transactions- XXXX PDF as evidence. However, HSBC has been constantly denying my welcome bonus by alleging that the account was not opened using the correct promotion code, even though their own websites HSBC Checking Account Welcome Deposit Offer - XXXX PDF clearly instructs the applicants to submit an online application using Apply Now button shown on the PDF which I used to open my account. 

Over the past 3 months ( from XX/XX/2021 till the end of XX/XX/2021 ), I have made repeated attempts to resolve this issue by contacting HSBCs customer support at XXXX, but HSBC has been denying the bonus even after following up with Customer Support for mor than 10 times over the last 3 months ; and even after HSBCs customer support representatives themselves confirmed that I have met all the requirements of their bonus 3 months back. Their representatives keep telling me that they have followed up with the concerned Marketing department and that they will follow up with me in 3-5 business days, but I have never heard back from HSBC in the stated time frames or have been given any concrete response to my requests. 

I would be highly obliged if you can please push this matter through with HSBC and please have them issue a {$450.00} bonus to me as promised in their offer shown in the printed PDF HSBC Checking Account Welcome Deposit Offer - XXXX under which I opened my account using their online application system. 

Many Thanks for your kind attention to this matter!
Consumer complaint received 2021-12-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX I became aware that CapitalOne had purchased XXXX XXXX XXXX, an institution where I held several IRAs. 
I had lost track of the fact I even had these IRAs because once CapitalOne took over XXXX XXXX XXXX  ( after some research I believe sometime in XXXX or XXXX ), they ceased communications on my accounts. 

Obviously that lack of communication means they didnt even take the most basic steps to protect my interest as a customer. Additionally : 1 ) They didnt attempt to place me in suitable investments. 
2 ) They repeatedly rolled me over into long term instruments with very low rates. 

Once I realized what happened, initial attempts to contact CapitalOne yielded no results. I then took the step of filing a XXXX XXXX XXXX complaint against CapitalOne. XXXX the XXXX complaint, CapitalOne agreed to liquidate the IRAs at no charge and send them to my current brokerage retirement account and they sent me a letter to that effect ( dated XX/XX/XXXX and signed by XXXX with no last name ). That really wouldn't be a fully appropriate resolution given their actions ( or lack thereof ) but at least it was a start. However, several voice mail messages to XXXX at the number included in their XX/XX/XXXX letter went unreturned and, to date, there has been no action. 

Although its possible that my account situation is unique ( given the poor and unsuitable treatment I received ), one of the reasons I want to make sure CapitalOne is held accountable for their actions is that there may be tens of thousands of customers who have also been mistreated in the manner I described in this complaint. 
I believe the protection of consumer financial rights demands action be taken against CapitalOne. 

Thank you in advance for your time and help. 

Regards, XXXX XXXX
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (VA)

Our XXXX account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the XXXX account. We contacted our bank the charge was fraudulent and our money was restored to our account. 
We closed the XXXX account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to XXXX. Now we have gotten a collection letter from American Coradius attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed. 
Closed XXXX account # XXXXXXXX XXXX XXXX account number XXXX ( XXXX XXXX XXXX ) American Coradius International account number XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.
Consumer complaint received 2021-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (ID)

My husband passed away on XXXX XXXX, 2021 and was sole owner of our marital home. I promplty notified the mortgage company the week of his death. He left the property to me in his will, which was probated. The property Deed is in my name. The VA backed mortgage is not, however I have been confirmed as Successor in interest. All documents pertaining to my right to assume this mortgage were provided to the company, including Letters of Testamentary, the Will, the Deed in my name, personal identification, death and marriage certificates.

Amerisave Mortgage Company refuses to put my name on the Mortgage and is demanding that I submit a new mortgage application. As the sole owner of the property by inheritance, as surviving spouse and because this is my personal residence, this appears to be in violation of the Garn St Germain Act, and the fact that the Ability to Pay rule is not applicable to the transfer of the contract. 

The mortgage is current. We/I have never missed a payment or been late and at present I am not seeking to refinance or otherwise renegotiate the terms of the contract. I simply want the mortgage placed in my name. 

I have been in regular communication with the company, and on XX/XX/2021 received the letter requiring that I submit the new mortgage application.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

I started being frauded on XX/XX/XXXX XXXX for XXXX at Best Buy in XXXX New Mexico. I was not aware of being frauded until I received a notification from XXXX XXXX  of a balance increase on my best buy card. So, I contacted customer service and found out there was 2 other transactions purchased at the same store in XXXX New Mexico. I informed them I live in XXXX Arizona, and I did not make these purchase. They said they were going to start a fraud investigation and I would not be responsible for this purchase. I received a letter stating they were permanently shutting down my account and I owed XXXX and turned me into the credit bureaus for 30 days no payments. I have contacted Best Buy and Citibank to correct this issue and they say it have been taken care of and it has not. I have been marked on my credit report to a 30 day no pay and closed my account for being a victim of fraud. I am asking for help to resolve this outstanding balance that I am not responsible for and to fix the credit reports they have marked negatively.
Consumer complaint received 2021-12-31
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: Atlanticus Services Corporation (FL)

I made a purchase on XXXX on XX/XX/2021 for {$500.00} I didnt receive the majority of my order and when I reported it to wish they only refunded two items. 

I disputing with Fortiva and they responded with wish.come response-showing usps marked it as delivered. The items never arrived here and a couple and a half months after I gave up on this issue ( 3 weeks ago ) someone knocked on my door but left an oversized mailing bag full or random items I had ordered. I was happy that I finally got it but now that Im trying it on the stuff was not as advertised!! It is overly small and most items are are through!!! When contacting Fortiva they state I have no further option to reopen the dispute/further dispute!!
Consumer complaint received 2021-12-31
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 filed an online dispute and I also wrote a dispute letter to all three credit bureaus, Experian, XXXX, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.