davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (IL)

XXXX XXXX the owner of RushCard has cause a lot of people including myself a lot of financial problems due to RushCard system being " hacked '' or shut down from what I 've read so far. I have XXXX cards with RushCard and neither of them are working properly. I will not be using RushCard ever again and will not refer any of my friends or family to this company.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

On XXXX/XXXX/15 a direct deposit was made by ACH using a link to fund my account at Scottstrade Bank. 

A few days later a request was made for the sender to provide a statement of account sending funds, the sender who was paying me refused on privacy grounds. 

No fraud has been found, the sender did not request his money back. 

It is now XXXX/XXXX/15 and the bank refuses to release funds without statement disclosure by sender. 

The link was made by getting the routing number and account number and the sender providing the verify code of {$1.00} in XXXX deposits [ ie cents totalling {$1.00} XXXX The bank closed my account without stating why. So i requested my money which i had been paid for previously by the direct deposit. 

Can they do this after this ammount of time and state it is undetermined when i will receive my funds upon account closure.
Consumer complaint received 2016-02-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (AP)

I transferred money from my Rushcard Prepaid Visa card on XXXX XXXX, 2015, to my XXXX checking account. It was an amount of {$370.00}. The money is shown on my XXXX account as a credit and the balance showed that. On XXXX XXXX, 2015, {$370.00} was debited from my XXXX account back to my Rushcard account, and my Rushcard was unlinked from my XXXX account, bringing my account to a negative balance. That money should have gone back to my Rushcard, but it did n't. I also found out that the transfer out of my Rushcard account into my XXXX account did n't show up on my Rushcard. I called XXXX, and they told me that this would be on Rushcard 's side. Rushcard has been telling me that they do n't see the transaction on my card, so I ca n't get my money back. When I first called Rushcard about it, I was told that the transaction was seen on my card, and that whenever their system recovered from the system outage that occurred coincidentally right after I transferred the money, that my balance would be updated. Subsequently, I was told that the transfer is n't seen on my transaction history. I also keep being told that I ca n't make transfers out of my Rushcard account, which I was unaware of when I attempted to move the money between accounts. I called Rushcard a week ago, and I spoke with XXXX, who is apparently a senior customer service representative. He gave me his employee # and told me he would work this issue personally since it had been in the works for so long. I asked to speak with him today, and I was told that they did n't know if he was at work and that there was no way to get in touch with him directly. His employee # is XXXX.
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

My issue is with Rushcard XXXX. Earlier this week I received an email stating there was going to be an update that eould cause an outage XXXX. Never would I have imagined an outage would mean an outage of my direct deposit. I can not explain the agony that this has caused my family. We are presently living from paycheck to paycheck like most americans and have {$0.00} to live off of until this matter is resolved. I have made countless attenpts to reach a live representative of Rushcard for an explanation and it seems as if they have completely cut their phones lines off as the automated system does nothing but disconnect the call without connecting to a representative. After doing some online research, I was able to find a phone number XXXX. I called and spoke to a representative named XXXX who was completely rude from the beginning of the call. It seemed as if he was overall frustrated from the XXXX calls that I am sure he received just like mine today. He would not let me complete a sentence, he did not give me an ETA. I asked for his supervisor 's name and he told me XXXX. I asked for the VP of the company 's name and he told me I could look it up on the website. He then proceeded to tell me there was XXXX calls waiting in queue as if it was my problem and hung up the phone in my face. I was unable to get through back through as it was after XXXX hours when i was finally connected to a rep. I was XXXX to the point of tears because I held on the phone for over 30 minutes just to be treated that way. As a consumer and a person who also works XXXX, I know the number XXXX rule is customer service. I am completely paranoid over the fact that my money is lingering out there and the only explanation I have gotten is a pitiful post on Rushcard 's XXXX page from the ownerXXXX. XXXX families are being affected by this " glitch '' and we have yet to get a satisfactory answer. I would really like for someone to assist me as well as the other families as I know this is not the American Way. Someone please help me! Please!
Consumer complaint received 2016-09-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (GA)

On XXXX we went to an pnc bank to withdraw money to put on our prepaid card to reload we gave them XXXX from child support card but the bank atm a XXXX XXXX XXXX XXXX said transaction could not be completed and if took our money since then we spoke to a XXXX XXXX on the third and she said she cant help us that day but call back we then called her got on three way with netspend the company we use for the reload and they told XXXX that since the transfer did n't reach thenm and they have no record of it that they need to return the money to us and that they do not give perfisinal credits everday we have call ed and tried to get our money back they have not done so then they said can we sen a chashier check to your bank have them request the funs after they have already explained they could not we have called everyday to get our money nothing we do have the reference number is XXXX XXXX we want our money back and yes they do have it in their system it took out money
Consumer complaint received 2016-11-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

I purchased a sofa online at XXXX in XX/XX/2016 using my PNC Bank Debit XXXX Card. The transaction Date was XX/XX/2016 in the amount of {$3500.00}, and the sofa was delivered on XX/XX/2016. Upon close inspection, I found defects in the alignment and upholstery, and contacted XXXX immediately and followed up with an email and photos of the defects. I received a call from a XXXX agent 2 days indicating a replacement of the defective sofa would be coming in XX/XX/2016, and to keep this sofa until that time. The second sofa was delivered on XXXX XXXX, 2016. I inspected the sofa outside my home as it was unloaded from the delivery truck, and found the same upholstery and alignment defects as the first sofa. I phoned XXXX and both sofas were taken by the delivery agents, and was told a credit would be forthcoming when the sofas were returned to the warehouse. Before signing the XXXX bills provided by the delivery agent, I NOTED the DEFECTS in the SOFAS, and made copies to RETAIN FOR MY RECORDS. I contacted PNC Bank in XX/XX/2016 to dispute the purchase when XXXX did not issue a credit timely. A provisional credit was issued, and subsequently reversed XX/XX/2016. I made another transaction dispute on XX/XX/2016. It was subsequently denied on XX/XX/2016. I made another transaction dispute on XX/XX/2016, and it was denied on XX/XX/2016. I have provided this information by phone and in writing to PNC Bank at least 6 times. My written communication, fax confirmations, and PNC Bank correspondence is included in the attachment. As of this date, I can expect collection activity to begin for a sofa in the amount of {$3500.00}, that I do not even have in my possession, and was just plainly substandard quality. Additionally, XXXX advertises on their website that their furniture is manufactured in XXXX, when in fact I examined both of the tags on the sofas that were delivered to me, and each indicated being manufactured in XXXX not XXXX. Furthermore, as of this date, XXXX has not issued a credit for the returned sofas yet.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

I believe that Stonegate Mortgage is improperly stalling my short sale. Most mortgage servicers are required to approve or deny a short sale within 30 days of receiving a completed application. If this applies to Stonegate, I think they are trying to get around this requirement by continuing to ask me for more paperwork. Since XXXX 2015, instead of a decision, I get monthly letters demanding additional paperwork. Sometimes Stonegate asks for additional information, other times they ask for the same information but in a different format, and they have even asked again for information that I have previously told them does not exist. ( I am working with a lawyer and even he says that Stonegate is the hardest company he has ever worked with. ) I have an offer on my house but event that is not enough for Stonegate to give make a decision.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (PA)

For the last 20 yrs I have been working on my credit report trying to build it to a XXXX or above unfortunately all methods dont work if I pay a bill or write them regarding the statutes of limiations or pay several bills the credit score wont go no higher than a XXXX
Consumer complaint received 2017-02-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

Since you are at the point of being eliminated, I want you to take this very seriously. PNC bank lost thousands of my money in a XXXX project on a LOC. The Bank did not adhere to original contract instructions and used extortion for me not to sue them. Due to a ineffective representation by my attorney, and not being able to contact PNC this has been a nightmare. You fined them once for illegal transactions and foreclosures which happened to me and I am not backing down. Under the FOIA I request that you contact someone other than the XXXX because they only send the same XXXX documents. No one from the XXXX asked me for the original contract or even contacted me. I am tired of this corrupt government entities and being a XXXX year federal employee an very aware how the government works and the waste, fraud and abuse of funds. I am not going to let them take my money and ruin my life which they have, If you look at all PNC complaints you will realize what they have done to many people. I want them prosecuted for the entire LOC and I want damages because it killed my father and ruined my life. They did not know what they were doing and a corrupt township not following state enacted laws and regulations were incompetent. Pennsylvania is number XXXX in corruption and the oversight committee in the state are licensing boards. I have filed with the XXXX and even sent a FOIA request to them and have hard nothing. This is against the law and the previous director was formerly a bank lobbyist in XXXX. I am not asking for anything that should not transpire and I want them prosecuted again. 
Please respond or I will write the White House. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX P.S. Do not tell me you are not capable to exercise your right in this transaction and under FOIA you only had so many days to respond. The Bank extorted me to sign a document that I would not sue them. What does that tell you. At first I refused but my attorney said they would not release funds I put in myself other than the LOC which is illegal. Waiting to hear from you.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (OH)

pnc offered a deed in lieu of foreclosure deal to which i agreed. they granted dilof, gave me terms ( utilities off, house clean and empty, no damage ) and date ( this varied depending upon who i spoke with from XXXX XXXX to XXXX XXXX XXXX ) by which property was to be surrendered which terms i met. there are no liens and no 2nd morgtage. after their title search, they demanded i pay for a survey which i can not afford. they said deal off, we 're foreclosing. they say property can not 'convey ' without survey, yet the property seems set to 'convey ' via foreclosure. they will not explain any of the title search results verbally or in writing. they will not put any terms of the payment for surrender deal in writing. 
they made the terms and i met them. i performed per the terms of the dilof as dictated by them. they alluded to, pending inspection of property, up to {$3000.00} payment for complying with the terms of dilof. they will not put in writing details of payment for surrender and are immediately argumentative if you ask. i never demanded a promise, just to see the terms in writing. they have reneged on the deal.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXXDischarged Filed on XXXX XXXX XXXX Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.
Consumer complaint received 2016-09-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co. (GA)

I lost {$1000.00} in.earnest money and {$540.00} in appraisal fees due to a mortgage companies careless and incompetent handling of my loan file. The loan officer was poor at following up did not make himself available and asked for the same information on a repeated basis as though he had no idea l had sent certain documents multiple times. Due to this comedy of errors the seller elected to opt out of the deal as it had exceeded it 's closing date and subsequent extended closing date because l had not secure financing. All credit checks and preapproval were completed and l was given the ok by the mortgage company to enter into a contract obviously, it was just the inability of the loan agent to close the deal that cost me my hard earned money and a home
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v TRANSUNION, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both XXXX and experian both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.
Consumer complaint received 2016-09-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2016 at XXXX I spoke with a representative at Bank of America regarding a charge on my savings account she then informed me that XX/XX/2016 I was given a courtesy XXXX month {$5.00} fee waiver as my account had change that I will be charged a monthly service fee of {$5.00} if I did not transfer {$25.00} every month or maintain a minimum balance of {$300.00} in my account. XX/XX/2016 I did contact Bank of America to inquire of a charge on my savings account I was informed that if I conducted more than XXXX transactions within a billing statement I would be charged a service fee. I was not told at that time that my account will be getting a six-month waiver fee as my account would start being charged {$5.00} a monthly service fee if I did not again transfer {$25.00} to my savings account from my checking or maintain a minimum balance of {$300.00} in my checking account. On XX/XX/2016 I went ahead and also closed my savings account I also stated that I will be going into the bank the following day to close out my checking account as well. I have been a long-standing member of with Bank of America and for a company to change its policies on its consumers without notifying them is wrong and also unprofessional. A savings account should not have fees or conditions as its name is stated clearly as what it 's for savings, not being charged a monthly fee because I am not transferring a certain amount of dollar or maintaining a certain amount of dollar in that account.
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TX)

After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas XXXX XXXX XXXX XXXX, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the XXXX & XXXX agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners. 
The XXXX XXXX, XXXX & XXXX are complicit in acts of moral turpitude by their lack of XXXX federal guideline enforcement that are within the scope of influence and this tax payer funded state agency. 
I have attempted to bring transparency to the injustices committed from the XXXX XXXX XXXX XXXX XXXX agency that fails to discipline violators of the XXXX federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization. 
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the XXXX & XXXX agency as well as the performance of Executive Director XXXX XXXX to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NJ)

I have been trying to refinance with Quicken Loans since XXXX/XXXX/2015 the process has been a painful one. they have been disrespectful, changing my numbers ( the good Faith estimate ) XXXX times even on the day of the closing. In addition to all of that, I did the so called closing on XXXX/XXXX/2015 and I signed all the papers including the HUD. They called me today XXXX/XXXX/2015 saying my closing is cancelled and I have to re -close.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NY)

Received a call from Synchrony Bank today that my credit card issued by them was used fraudulently ... this is the second time this month I have got a call from them that my credit card issued by them ( XXXX different cards - XXXX is my Walmart card and the other is my Toys r us card ) was used fraudulently. I had XXXX cards still in my possession and the charges that were made were far from my home. I am concerned at there is a data breach at this bank. I have not heard anything in the news about this bank and the customer service rep helping me did not give me any information but this seems more than coincidental to me.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.