davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (FL)

We bank at First Horizon bank, previously Iberiabank. 
We mailed a check # XXXX to our pest control company for {$110.00} The check cleared written to an unknown individual for {$8800.00} Called bank immediately, advised the issue, they looked at the check, saw 4 different handwritings, called it " check washing '' and was told the account is compromised and should open a new account immediately, which we complied and request a return of funds.

Tried to file a police report. In order to file one, we need to know where the check is presented. It's been over 45 days, bank has not provided any information or refund to this point other than .... 
From the bank... 
" We are only able to provide the XXXX  XXXX XXXX XXXX and that was identified as XXXX  XXXX XXXX. 

I understand that law enforcement is asking for the location of the deposit so they can route the client to the correct jurisdiction and that is why on alteration claims we have the client file a Mail Theft Report in lieu of a police report. A Mail Theft Report can file with the United States Inspection Service at XXXX. 

The client would need to tell the Agent where he mailed the check and the address of the Intended Payee it is presumed the check was stolen in transit and altered to the name on the check. '' We filed a postal complaint on XX/XX/XXXX, USPS Reference XXXX Bank response to date is nothing, no updates what so ever since first reported the first week in XXXX. 

Our business is having trouble maintaining cash flow and may result in our demise. Before calling an attorney, the news or posting on social media, I am relieved to see there are protection boards like CFPB that can assist with out getting others involved. I am hopeful to obtain status and refund as soon as possible to ensure a healthy business operation. I simply can not understand why when we give an employee a check, the bank calls us to qualify the presenter. This check clearly had multiple handwritings and if anyone looked at the electronic pictures of our other checks, they would clearly see the handwriting is not inline with the handwriting on every other check in our decade of business. This is a tremendous disappointment in the safety and security processes of our banking system.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

They refuse to dispute each inquiry on my credit report that I say that I did not do nor was any of them Authorized by me.they try to get me to do it and Its not my Job its their job.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. 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.
Consumer complaint received 2022-04-10
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: LEXISNEXIS (MI)

Lexis Nexus, XXXX XXXX, and XXXX out of California are reporting information about me to the Credit bureaus ( XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (FL)

I noticed that my standard monthly payment to Audi Financial had not been withdrawn. Due to to my entire family having XXXX, I was not monitoring my bank account as much during the month of XXXX. I logged in and looked on XX/XX/XXXX and noticed it was not withdrawn. I had tried to manually process the payment on XX/XX/XXXX. Apparently it was rejected by my bank. Not sure if the account number was wrong or what but my account has plenty of funds. 

On XX/XX/XXXX Audi posted a letter in my " MyAudi '' account which I have no reason to ever check. This letter stated my payment was returned. My payment was due on XX/XX/XXXX. No phone call from Audi saying your payment is about to be 30 days late. No contact. No email to my personal email address which I always check. No phone call to let me know there was an issue. They mailed me a letter which was received after the XX/XX/XXXX due date. 

It took them about 24 hours to report my account as 30 days past due to the Credit Bureaus. All 3 of them. I have emailed Audi, sent letters to the CEO, and sent letters to dispute this information. 

If a company is going to be allowed to do this during XXXX pandemic for a customer who has made every payment on time to Audi over the last 3-years that is despicable. They have an obligation to pick up the phone and call me IMMEDIATELY when they see the payment returned.

I have subsequently again processed the payment due. I have never missed a payment 30 days late in over 20 years of having credit. When I have tried to process the payment I think Audi 's system is changing my account number to my bank routing number and that is why it appears the payment was rejected. Whether this is Audi 's system mistake or my input mistake one will never know. But, the truth is Audi should have immediately picked up the phone and called me either way on XX/XX/XXXX when the payment was rejected. The error could have been rectified prior to the XX/XX/XXXX date when the payment became 30 days late. They should have also shown more care for a family dealing with the XXXX pandemic and inflicted with the virus. 

Audi needs to correct this issue immediately.
Consumer complaint received 2019-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Upgrade, Inc. (OH)

On XX/XX/2022, the Upgrade XXXX XXXX Acct # XXXX was opened based on a promotion offer published by Upgrade.com wherein Upgrade promised to credit newly opened XXXX XXXX Acct with {$200.00} acct opening bonus if 3 debit transactions were made within 60 days of acct opening. No other conditions were added to the offer. The bank has refused to fulfill its promise and has explained the reason for denial was because Upgrade.com also offered a loan on a separate/different acct when the original checking acct was approved. I did not accept the added loan. It was not an added condition for the bonus. Here 's details of {$200.00} bonus offer when it was received in its entirety : " To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade XXXX XXXX Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within1-2 billing periods following the third debit transaction on your XXXX XXXX account. Your Upgrade Card must be in good standing to receive bonus. '' I saves the original promotional offer and all its terms on the day I received the offer. Thereafter, 3 debit transactions were made within first 20 days of acct opening in XX/XX/2022. I sent a copy of the aforementioned terms and transaction history to Upgrade.com on XX/XX/2022 with my initial complaint. Today, I had a direct conversation with multiple Upgrade.com agents when the request for {$200.00} was once again denied. The Upgrade XXXX XXXX Acct remains open and in good standing as of day this complaint is being submitted.
Consumer complaint received 2022-04-17
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)

Equifax Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC (SC)

I have new and updated information for the complaint # XXXX with XXXX. 

I received communication from XXXX on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on XXXX dated XXXX. XXXX has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by XXXX.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (MN)

I was sent a notice for an escrow shortage from Supreme lending ~ {$650.00}. I paid it. They increased my payment ( as though I didn't pay them the shortage ) and pocketed the money I paid leading to an escrow surplus. 

I have contacted them twice and was told they would run an escrow analysis but they haven't. They're still charging my monthly payments as though I haven't paid the shortage. I want the lower payments I'm entitled to and the excess I paid in inflated monthly payments, refunded.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX credit card with Chase Bank. In the past I've always been credited 1 free night on XXXX of each year of my membership. However, this year I have not receive the free night award along with this credit card even though it's advertised as the included benefit. I've already paid the annual fee and I still have not received the annual free night award like usual and it's been almost over 2 months. 

I contacted XXXX but they said the responsibility is with Chase Bank. I then contacted Chase Bank XXXX credit card representative on XX/XX/XXXX and I was told that they will contact me back and research to credit the amount. However, I still have not received any calls about this. 

Please see the attached screenshot from my XXXX account showing that File 1 - showing my XXXX account number File 2 - showing in XXXX and in XXXX, I received the XXXX Annual Free night award as part of Chase credit card benefit on XXXX. However, this year I did not receive any!! 
File 3 - showing that I did not receive any free night award this year XXXX
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Basically, B of A closed my without any prior notice. I had a direct deposit of XXXX deposited into my account the following day. I was unable to withdraw the money and I was put into a financial hardship which caused me to be almost be evicted from my home. I called to no avail to try to explain my situation. It went upon XXXX XXXX. I want to see what legal avenues I have.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (TX)

On XX/XX/19, XXXX  ( a subsidiary of MoneyLion ) transferred {$200.00} from my account to them without permission to another account ending in XXXX. I do not have a Money Lion account nor do I know anyone who does. Before the fraudulent transaction I had never heard of the company. I have reached out to the company multiple times with no resolution to the problem. I keep getting told someone will get back to me and they never do. I have asked to escalate the situation which also does not help. The company does not respond nor offer any sort of assistance in closing the fraud account or getting my money back.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

On XX/XX/2020, I have made a payment to my credit card by cash for the amount of XXXX USD. Before making this cash payment of XXXX USD, I was explicitly told by the HSBC branch employee that my payment will show as an available credit on the next business day ; however, this was not the case. Historically, there was a payment of XXXX USD that was returned to the original source per my request which triggered an account review of my credit card ; however, per my phone conversation with the HSBC employee, the restriction was placed on the XXXX USD amount which was made by cash because the funds may get reversed again. I explained to the HSBC employee that, per my understanding, a cash payment can not be reversed but HSBC insisted that I must wait 10 business days even though the payment was made in-branch by cash. Attached is a receipt confirming the payment was made by cash. This payment was made by cash as I really would like to use HSBC 's 0 % APR promotion to transfer my balances over ; however, I am already over the 60 days period for this promotion and now because of this restriction the promotion period has ended and I am unable to transfer my balances using this promotion. I was planning on transferring my balances ; on XX/XX/XXXX, a day after I made the cash payment ; however, I was unable to do so because my account has been restricted.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

On XX/XX/15, I purchased an XXXX  reservation on my US Bank XXXX XXXX card, which I intended to use my Real-Time Rewards to cover. I had a sufficient amount of XXXX Points in my account, but I did not receive a text message. I spoke to a customer service agent who agreed the points should have been applied and sent an appeal. 

I called back and spoke to the supervisor XXXX, employee # XXXX, who informed me that the redemption was declined because the minimum amount for redeeming lodging is {$500.00}. The supervisor was unable to identify where this minimum requirement is specified online, as it does not appear in the credit card 's Terms and Conditions online. 

Eventually, I found the terms on the rewards page under " Program Rules ''. However, this page is only accessible when logged into a U.S. Bank account. When this page is accessed from a new browser, it displays " Access Denied. '' This requirement is not published anywhere when applying for the card. If I had known this requirement before applying for the XXXX XXXX, I would never have applied for the card. I am now stuck with a {$400.00} annual fee and a hard pull on my credit reports while US Bank lied about the utility of the XXXX system publicly. U.S. Bank is tricking consumers about the value of their credit card and gaining an unfair advantage in the competitive credit card market at consumers ' expense. This is not only wholly unacceptable, it is illegal under the Lanham Act, 15 U.S.C. 1125 ( a ).
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my rights
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was due for my annual IBR renewal with Navient, and mailed them my application forms ( IBR, W2, statements from other loan providers, taxes, my wife 's taxes, pay stub, etc ... ). I called them on XXXX to ask if they had received it and was told they did and were in the process of doing my certification for XXXX. I was then told that the government had issued a plan to let you keep your previous year 's IBR active and then renew at the end of XXXX instead. I was told that this covered my DOE and Federal loans. 

On XXXX, I received an email from Navient saying my loans were about to increase unless I renewed. When I called and spoke to a representative, I was told that the information from my previous call did not apply to my Federal loans. I was also told that they had misplaced all of my IBR document aside from the first page. Because of this they told me that it did not show I checked that : a ) I'm married b ) I have access to my wife 's taxes c ) that we file separately. Because of this they combined both of our salaries making me ineligible for IBR. 

I strongly told the representative that I want to speak with his supervisor because I feel I was intentionally mislead about this. All the while I have been consistently making payments and doing all of my IBR renewals since XXXX ( have not missed 1 month or 1 year ).
Consumer complaint received 2020-02-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (TX)

It's been over 10 years since this problem began. My oldest son attended a private school in Texas in the city of XXXX XXXX to play XXXX  for them. The administration, coaches, and financial aid office stated to us that they would help our son get his education. We were told that he would have XXXX XXXX and would not cost us for him to attend the school and play XXXX  for them. 

Fast forward to this present time. In XXXX my tax refund was taken by the government. In XXXX I was able to hire an attorney to represent me to dispute these erroneous charges and the opposing attorney dismissed the case. But then another one arose and that's why the garnishment was done. 

Also there's a private student loan discharged from a bank called XXXX that they wrote off and had discharged the amount but still shows it active on my credit report. In XXXX we filed a chpt XXXX due to medical problems and loss of wages and included any private student loans that the law allowed us to discharge. 

I just need advice on what to do in this matter. In 35+ years of credit history I was never late not 1 payment at all. But since I was medically not able to work the hours I was used to, I lost my wages, which forced me to file a chpt XXXX. The judge understood my plight and had accepted my financial bankruptcy. She even stated in her decision that's why the law was put in place to help individuals like my wife and myself when things that can go wrong financially in life that we need such help to restore back what is lost.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2023 I received a check from the apartment leasing company ( the XXXX XXXX at XXXX XXXX XXXX Apartment ) and used the mobile check deposit service at Chase. That check has 4 names, and I am among one of them. The deposit went successful and I saw that sum of money on my account. However, Chase froze my account on XX/XX/2023 saying that all 4 receivers should come to Chase branch to validate their identity. Since all 4 receivers are now in XXXX, and it takes time to prepare for the XXXX, I tried an alternative way to let the issuer recall the check. The feedback from the issuer says that since the transfer has been made, they could not make recalls or disputes over that check. Unfortunately, I saw my account closed by Chase before today ( XX/XX/2023 ) without informing me, without returning my remaining funds in that account, and without letting me get access to my online statements. Chase refuse any other possible solutions except " letting all 4 receivers come to the branch '' and " allowing the check recall process ''.