davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than XXXX, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My mortgage was sold to SLS Mortgage in XXXX 2015. For the duration of my mortgage between all the lenders I 've had, my homeowners insurance has been paid from my escrow account. For some reason, this has stopped, and I find out with a letter from my insurance company. I should also mention that my monthly payment has n't changed, so now I 'm suddenly paying the additional cost of my insurance. I called the lender and I called the insurance co. Both bounced me back & forth on this. In the meantime, I 've had to pay a few installments of the insurance to keep it active. But this week, I get a letter from a collection agency from the mortgage company which infuriated me further. All while I am still waiting for SLS to do research on this matter and get back to me on why this happened and what we can do. I take my credit extremely seriously, and I want my mortgage company changed. I did n't pick them, I do n't want them servicing me. I want to make sure my credit is n't impacted. At present both XXXX & XXXX report my credit at over XXXX. I have not missed nor been late with any mortgage payment, and I 'm not happy with the service of this company I 've never heard of.
Consumer complaint received 2023-02-20
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 (VA)

On XX/XX/22, I addressed and signed a check for {$2000.00} to XXXX XXXX XXXX. I placed the check in an envelope and XXXX XXXX XXXX for mailing on XX/XX/22. The check was not received by the landscaping company but was cashed at a USAA branch on XX/XX/22 by someone other than the payee and without any payee signature or bank endorsement. I contacted my bank, XXXX, on XX/XX/22 and opened a claimed, completing a Declaration of Unauthorized Endorsement or Altered Item ; the intended payee signed the form on XX/XX/22. XXXX has contacted USAA several times but received no response. I also tried contacting USAA and spent several hours on the phone with different people there but they all said they couldn't help me. It has now been almost 1 year, and I have not received my stolen money back -- USAA has taken no responsibility despite cashing a check to someone who was not the payee and without a signature.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I run a very small business and it's still rebuilding due to the Pandemic. Each and every time I make a deposit from a well-known business, Truist 90 % of the time put a 10-day administrative hold on my money. I have experienced this craziness for a year now. Who holds checks in this day and age?. In the meantime, Truist has already withdrawn the money from the checks that are on hold. I HATE this bank and will be changing to some other establishment. The merger has been nothing short of havoc. I have another business account that was very well established with SunTrust. I continue to read the reviews on the horrible Trusit bank. It makes no sense to hold checks like back in the 90 's. I know about 5 people who have closed their account due to the low rating and holding checks for 10 days. It's hard enough to keep a business going. I have payroll and more importantly bills to pay. Stop putting hold on XXXX to XXXX checks from well established companies. It would be different if the deposited checks had not cleared the bank. How do I k now? I always call the company who issued check to my company to see if it cleared their account. I even wrote a personal check to my business and a hold was put on it as well. I checked my personal account, and it clears the very next day because it was deposited prior to XXXX the day before. Just downright outrageous. Just what kind of bank is this? You go into customer service and it's a total waste of time. They can't say anything but " sorry, that's the rule, 10 days. One banker told me to have the company to cashapp the check for the services I rendered. WHAT??? 

The bank manager assured me after the account was at least a year old, I would no longer have administrative holds. The companies I work for are very well established and have never written a bad check to me. Also, one bank manage told me to ask for XXXX as payment for the work I do for them. I thought that was a very unprofessional remedy to my problem. 

I sold a vehicle to XXXX XXXX in XXXX Ga. I was given a cashier 's check for the proceeds. The dealership also uses Truist as their bank. It was basically a Truist to Trusit type transaction and Trusit still put a hold on my account. I feel as though they are using everyone 's money to gain interest for their horrible bank. 

I made a deposit on XXXX for XXXX plus just to find out there is another administrative hold of 10 days.
Consumer complaint received 2015-11-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

There were checks deposited into my account through an ATM. Each check was worth between $ XXXX- {$650.00}. XXXX checks were deposited. As soon as they were deposited, they were immediately withdrawn from my account through an ATM. The checks were then returned, and then my account was overdraft and charged {$12.00} for each returned check. I filed a claim with the bank, but they denied my claim because they said that I did not file a claim soon enough. The activity started on Tuesday XXXX XXXX, 2015 and I filed the claim on Thursday XXXX XXXX, 2015. My account is now at - {$7000.00}. I live in XXXX, XXXX. the checks were deposited and withdrawn at an ATM in XXXX. I have never been to XXXX. I can provide evidence to show where I was during the time of these deposits and withdraws. If they looked through my banking history, since I have been with them for 5 years, they would have realized that this was not normal activity on my account. The fact that they let some withdraw {$3000.00} from the ATM in one transaction is beyond me.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

U.S bank fraudulently charged me for items that were never purchased. the transaction was rejected and the money was returned immediately due to there fraudulent and illegal banking practices they charged me several times multiple fines and fees for a transaction that never happened that is now being eported to chex systems, this violates many laws and many of my rights. including but not limited to The Electronic Funds Transfer Act ( EFTA ) : This law requires banks to accurately reflect all transactions on your account, and to provide you with a periodic statement that details all transactions. 

The Truth in Savings Act ( TISA ) : This law requires banks to disclose all fees associated with a deposit account, including overdraft fees. 

The Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations : This set of regulations prohibits banks from engaging in deceptive or unfair practices, including charging fees for services that were not provided.
Consumer complaint received 2023-02-20
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (CT)

In 2010, I went to college. I was able to get a loan with XXXX XXXX student loan with a co-signer. However, they lied about the student loan. They also hid high interest rates/ fees and the amount of money I have to pay back. I was XXXX! years old, lived in a inner city community and all I wanted to do was go to college. I took a XXXX loan and now I owe XXXX? I have been paying this loan for over 11 years ; I paid my loan through the pandemic and I still owe a lot. I tired so many times to refinance/ co-signer release ; but i was denied. I am trap in this loan ; XXXX XXXX purposely targeted me ; because I was unaware of all the fees. Also, they stated I will receive XXXX percent off if I graduate ( XXXX ). I still havent seen it. I currently have XXXX XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report. XXXX XXXX account XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX. I have attached my credit report showing the inaccuracies showing on my credit report. the disputes came back verified. delete these accounts immediately! my rights have been violated and I will be filling a lawsuit against the credit report agencies! As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 1666 ( b ) billing error The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2023-02-20
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. (MD)

When I reviewed my credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$52.00}
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-02-20
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. (LA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

wells Fargo illegally and without my authority or knowledge charged my checking account three times, at {$31.00} each time for a total of {$93.00}, for simply changing with my utility company where my monthly payments will be taken out.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to bring attention to the fact that incorrect information is still being reported on my credit file, despite prior disputes. This matter has not been resolved, and the errors continue to appear on my report. 

As this situation violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( b ), I expect that you take prompt corrective action to address the inaccuracies, which I have detailed in the attached letter. 

I trust that this issue will be handled urgently and that the necessary adjustments will be made to ensure accuracy in my credit report. 

Thank you for your immediate attention.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have 1 fraudulent inquiry on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have 10 fraudulent addresses I wont removed XXXX XXXX Bank - 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, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

I bought my XXXX XXXXXXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/XXXX. The car was sold for {$43.00} XXXX. But when you add the finance charges, the Total sale Price is {$58000.00}. Thus the difference between the actual cost of car and the Total Amount that I am paying is a whooping sum of {$15000.00}. The financier is Hyundai Finance. It is believed that having made a profit of {$15000.00} from a client for whom you had sold a used XXXX XXXX at an exorbitant Amount of {$43000.00}, would make this XXXX merchants sheath their knives. But it didn't, rather they continued their extortion scheme by introducing accessing fees each time I make a payment. The monthly payment is {$790.00}. Each time I make this payment I am forced to make an accessing fee of {$3.00} if I use the automated phone line or more if a caller from their call center collects the money over the phone. Last month, I could not make a one time payment due to inflation and bad economics in the state of the nation ; so I called Hyundai Finance and informed them that I would split my payments in two installments. First {$400.00} made before XXXX timeline and the balance made shortly after. The automated system collected the accessing fees of {$3.00} the first half payment of {$400.00} and equally collected another {$3.00} for the balance of {$390.00} paid on another date. I called Hyundai Finance to complain that this a rip off and is tantamount to stealing and a ploy to keep me indebted to them forever. I informed them that I had bought a car already before I stumbled into them. The car was a XXXX XXXX. And on quote " I AM not being charged any accessing or additional fees to make my monthly payments till date through the multiple avenues they provided for payment " And also the Finance charges from the Financier of the XXXXXXXX XXXX were far much less. I demanded for full refund of all the accessing fees I have paid till date, on the XXXX XXXX XXXX model and total withdrawal of the accessing fees. They declined. They are also asking for late fees notwithstanding that I .made a committal fee of {$400.00} within the required period and informed them of the date for the next payment. Recently they said they have opened a website for the option to pay without fees. I am not able to use the website option moreover internet access is required to use it. Also the car Amount of {$43000.00} was hiked to {$43000.00} on their paper correspondence with no Justification or explanation whatsoever. Their interest is not debt recovery. It's all about keeping me indebted forever. This XXXX merchants should be stopped Forthwith from doing business in the United States of America