davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I have found that this bank has been misusing my funds. And, it appears that they have failed to practice proper handling when it came to my account at XXXX. They refused to stop payment on this payment when I froze the card on file and then when I asked to stop the payment. And, I also told them to stop payment on a charge from XXXX  XXXX for the amount of {$190.00}. I have several NSF on my account. Also, it appears that I am missing funds in my account each month. I have called and requested help but white personnel hung up on me or refused to assist me with my problem. I was given numbers outside of the Navy Federal CU to stop payment on a check that resulted in excessive NSF on my account. I sent in several requests through Bill Pay to have them stop payment on the {$190.00} payment to XXXX  XXXX. They never contacted me nor did they contact me.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (LA)

This person was supposed to sell me a product. They required a deposit in the amount of {$100.00} and never delivered the product. I tried to message the seller several times they never responded. I reached out to PayPal to dispute the transaction and they refused to do anything about it. I made this transaction on XX/XX/23. The seller email address where payment was sent is XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MS)

XX/XX/XXXX XX/XX/XXXX Hard Inquiry I wrote a written letter in XX/XX/XXXX no Response or reply. Asked them to remove any inquiries from the 3 main credit bureaus.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (NV)

I decided to use XXXX XXXX due to a direct deposit promotion that they offered on their checking account. I moved my employer direct deposit to this account and was receiving XXXX-monthly direct deposits of XXXX  to the account. Once I had reached XXXX direct deposits of XXXX XXXX XXXX total ) they promised to deposit an additional XXXX promotion bonus in my account. When at XXXX ( right before the last XXXX was set to deposit ) they inexplicably closed my account. I believe this was a fraudulent and predatory move in order to avoid honoring their promotion. My employer still attempted to direct deposit the XXXX  which didn't work, and my money was lost in the shuffle for quite some time. The company needs to honor their XXXX  promotion bonus ( which can be deposited in the savings account I have with them that they did not inexplicably close ), and compensate me for many hours of trying to solve this / work with my employer and other banks.
Consumer complaint received 2023-06-11
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-11
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. (MI)

I have submitted documentation that Experian, XXXX, and XXXX have been sharing improper accounts on my credit report. They are in violation of code section 609. 

Experian is reporting inaccurate account : XXXX XXXX XXXX XXXX is reporting inaccurate account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXXXXXX, and XXXX XXXX
Consumer complaint received 2024-09-03
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

We just received ( XX/XX/XXXX ) written notice from Wells Fargo Home Morgage that our escrow account has a XXXX projected shortage of {$450.00}. They are requesting we pay the total amount of {$450.00} no later than XX/XX/XXXX. Wells Fargo is projecting that property tax and homeowners ' insurance will increase in cost. My question : Does Wells Fargo Home Morgage have the authority to raise the escrow fees based on their projections.
Consumer complaint received 2023-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

Hello, I bought auto insurance for my car from XXXX XXXX XXXX, and I paid {$200.00}, then I made a cancelation on the same day, then they refund my money to my bank account. And that is it. And then they called me to pay {$200.00} again.
Consumer complaint received 2021-07-15
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: I.C. System, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants' Credit Guide Company (IL)

Merchant credit guide ( original creditor : XXXX XXXX ) is not reporting the correct payment history nor the original balance. This discrepancy is tarnishing my payment history along with account balances. There should be no balance remanding on this account due to my insurance paying for my treatment and my co pay with my insurance provider. I don't owe XXXX a separate balance. I walked in for a stomach ache and was discharged the next day with no post visit medications. Attached is evidence of the true total account balance and payment details. Merchant is not reporting any payment history on this account and its illegally damaging my consumer report. Please remove this account for the incorrect discrepancies.
Consumer complaint received 2023-06-13
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (DC)

I have yet to be informed by Santander Consumer about the change in my account status to charge off, which has had a detrimental impact on my credit. It is imperative that this is expunged from my XXXX, XXXX, and XXXX reports without delay. I insist on immediate action. Union reports immediately.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

I have sustained weather related damage to my home in XX/XX/2022. The insurance company XXXX XXXX XXXX ) has paid for the repairs and has included the name of the mortgagee on the check. JP Morgan-Chase bank XXXX the mortgagee, has received the funds and has placed the funds in an escrow account. 
in a XXXX moment, JP Morgan-Chase refuses to release the funds to me. They stipulate that I fix the house first then they will release the funds. Well, I can not repair the house unless they give me my money to do it. 
I have gone through the process that they have in place but they still do not distribute the funds. JP Morgan-Chase sit on more than XXXX of my money. I am obligated to follow their process but they themselves do not do their part. They know that they are a big financial institution and there is little I can do.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/23 XXXX XXXX Synchrony Bank debited from my XXXX XXXX XXXXXXXX Account {$230.00} for a charge I did not make. 
I called and they said they'd fix it. 

On XX/XX/23, they sent me a note saying the " XXXX is XXXX. '' However, they did not credit my XXXX XXXX XXXX Account. 

XX/XX/23 After several calls, Synchrony sends me a reimbursement check for {$230.00}, which I deposited in my XXXX XXXX XXXXXXXX Account. 

XX/XX/23 Synchrony sends me an email bill for {$260.00}, which includes a late fee. 
I called and spoke to XXXX different agents, and was finally referred to " recovery. '' Recovery is closed on Sundays. 

I am unable to resolve this ongoing problem and it is now effecting my credit score.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

Double Charge Incident- XXXX XXXX XXXX XXXX XXXX, XXXX Truist Bank accepted a check and withdrew the funds for the same check twice, once in XXXX, and the second time in XXXX. It appears that one of our vendors presented the check twice ( once by phone, once in person ). The check was invalid the second time due to being 8 months old and should never have been honored. Here are the details We contracted with client for a {$5000.00} appearance fee. 
o Payment 1 was made by check XXXX and was posted in our account on XX/XX/22 for {$2500.00} o Payment 2 was delivered in person to client, check # XXXX for {$2500.00} and was posted on XX/XX/22. 
o This was the final payment for our contract o Check XXXX was presented again a second time in XXXX and was posted on our account XX/XX/22. 
We did not notice this transaction at first because it appeared to be a check we issued. Upon a final end of year accounting wrap up, we discovered that the check was deposited a second time. 
We notified our local branch XX/XX/XXXX, and receive a voice mail back indicating that the funds would be deposited within 48 hours. 
We had a call the next day indicating that the payment might take 90 days to process. 
We discussed with the branch manager on or about XX/XX/XXXX and were told it would take 48 hours but it would be taken care of. 
We were informed XX/XX/XXXX that XXXX XXXX XXXX is rejecting the refund because it is after 6 months. 
We notified the Truist branch XX/XX/XXXX, and the statement date is XXXX XXXX. This is less than 6 months. 

Due to some severe family situations, it did take a bit longer for us to catch this. It was not caught the first time through the statements, because it appeard that it was a valid check. It was not until our final audit that we caught this. We have asked repeatedly for Truist to credit our account and work it out on the other end with our vendors bank. We have reached out to our vendor who claims she did not make the deposit a second time, even though we have provided copies of the deposit. 
There were two reasons the check should have been stopped before it was withdrawn from my account. The first was the duplicate check # and duplicate payee and duplicate date of the check. The second is that the check was a stale and expired check. We simply want our money back from this error on the banks part.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (UT)

I recently ordered some boots ( XXXX boots, theyre great ) and after they arrived I had to return them. 

Id paid for the boots using paypal pay-in-four and the boots were paid in full months ago. 

Upon returning the boots, the credit for the purchase went back to my PayPal account and when I went to transfer the funds to my bank account, there was a notice on my PayPal app that said that theyd determined my account was risky and had permanently shut it down - not allowing me to transfer the funds to my bank account. 

I called them to see how I could get the funds transferred to my bank account. They said that they are holding my money for six months and theyll contact me in XXXX with instructions for how to get the money out of my account. Huh? No idea. 

They said this is in the fine print of their disclosures ( lengthy and confusing fine print ), and that they have the right to hold my money for six months. Its abusive. Its not right. 

Ive been a PayPal customer with this same account for many years. To my knowledge theres never been anything Ive done to cause this account shut-down and to cause them to hold my funds XXXX. They would not give me any information, and treated me like Id done something wrong. Im at a loss. 

I asked if I could escalate my case for resolution and a rep in their Limitations Dept said their decision was final and that there was no other option than to wait until XXXX to get my money back. Theyd never contacted me. Theyd never said anything. Just a final verdict, no recourse, and theyre holding my money. How can they legally just take my money? 

When I asked him why theyd want to turn off my account and lose a customer he told me We ban people every day. 

Banning customers with a solid usage history and lots of potential future value seems like a bad business practice, but not allowing people to transfer their money from their PayPal account to their bank account seems like it warrants an investigation. Is that even legal?
Consumer complaint received 2024-11-06
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. (NY)

I am a victim of identity theft and have taken immediate action by notifying the appropriate authorities to rectify the situation. I am working diligently to secure my personal information and restore my accounts. 

XXXX XXXX XXXX XXXX in the about of {$75000.00}. 

I have filed additional documents with the FTC regarding my identity theft case and have notified my creditor and the credit bureaus to ensure they are aware of the situation. I am actively working to resolve this matter and protect my financial identity.
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (CA)

I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from Experian. After checking my Experian credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXXXXXX  on XX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled Experian Business Cred on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my Experian file online and Experian said I needed to call them to dispute inquiries. When I called Experian on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call Experian because they are the credit reporting company and they need to remove it. When I called XXXX XXXXXXXX XXXX, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Consumer complaint received 2021-07-15
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-21
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: ALLY FINANCIAL INC. (NY)

To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ally Finance c/o GMAC Auto. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

XX/XX/XXXX, XXXX overdraft my checking account for coffee and breakfast which put my account negative XXXX dollars and change. I was short a XXXX for a medication my insurance is not covering so I have no choice but to overdraft the XXXX dollars. So XX/XX/XXXX my account is negative XXXX and some change. XX/XX/XXXX XXXX account is XXXX. It's unfair that the bank is charging me extra XXXX dollars for overdraft fees. XXXX the fee down so they can charge for extended overdraft fees. Key Bank is unfair and the employees are rude I understand that overdrafting is my fault but my health is my priority. I have made better arrangements for this issue don't happen anymore.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (IL)

Paypal prepaid barred me from using their cards for the rest of my life. They didn't tell me why. I added cash to the card and changed the address on the account and after this I was barred for life and don't know why. They never allowed me to use the cash but told me that they would send me a check in the mail for the amount. I asked them why I was barred and I was told that they are not at liberty to give me a reason.