davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

We completed a HELOC transaction with XXXX XXXX on XX/XX/2021 and the money was received the morning of XX/XX/2021 by USAA Federal Savings Bank. The money has NOT been deposited into my USAA Checking account as of close of business on XX/XX/2021. XXXX XXXX, the lending agency provided confirmation that the transaction processed and the money was received by USAA on XX/XX/2021. 

On XX/XX/2021, I contacted the wire department at USAA and spoke with representative, XXXX who confirmed the deposit was received on XX/XX/2021 and that USAA was experiencing a technical problem with processing. They were aware of the issue and currently resolving the problem. He then proceeded to assure me the funds would be available by XXXX XXXX on XX/XX/2021. At XXXX, there was no deposit. The funds were received over 36 hrs ago as confirmed by both the sender and USAA representative, XXXX. 

At XXXX XXXX, I contacted USAA Customer Service. I was informed the wire department was gone for the day. I politely asked to speak to a supervisor in hopes of elevating the issue and ensuring the case was documented. No supervisor was available. All I could speak to was an executive resolution specialist, XXXX could not provide any indication if/when the funds would be posted. She also explained that there were no supervisors available ( she inferred a supervisor might be able to access more information to explain why this was occurred ). 

I'm sorry, this is unacceptable. {$77000.00} is a lot of money and not being deposited in a timely manner is not in accordance with standard practices/regulations. USAA is a major financial institution and has mishandled this transaction in a gross and unacceptable manner.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went into the Credit Union wanting to open a new checking account, until I was told I couldn't due to fraud alert. being placed on my name from Bank Of America from an old account in 2015. I never opened an account. I no longer resided at the address that was on the account. I was tryna get assistance on how to get these accounts removed.
Consumer complaint received 2018-01-23
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. (NC)

I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus Transunion has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate
Consumer complaint received 2021-05-16
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)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I was the victim of an identity theft. My bank, US Bank, suggested I shut down all of my accounts to protect myself, I had a forbearance due to tied up funds due to this. US Bank has completely messed up all my accounts. When setting up new accounts, they opened them without the proper info ( including the info of the perp ), in transferring my existing accounts to new numbers they put it down as a request for new credit on my report. Even though I did not have access to my online accounts or their numbers from XXXX to the end of XXXX and they did, they reported one of my cards as late. They have asked me to resolve the forbearance and have banks they service for calling me and saying I don't pay, even though I am. They continually call me to set up a solution, even though I have done it like 10 times via phone. I have tons of dates, names, etc. Its been the worst experience of my life. None of my other banks had these issues. They still have yet to take off inquiries from the perp, who now has a XXXX  for his XXXX.
Consumer complaint received 2021-05-16
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: STERLING JEWELERS, INC. (MD)

I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-16
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. (MD)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2018-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am a customer of Quicken Loans/Rocket Mortgage. I was investigating a HELOC with Quicken, called them, told them I wanted a second mortgage, and they connected me with " XXXX ... .our California specialist ''. I told her I wanted a second mortgage and she asked about my home value in regards to what it was last XXXX when I refinanced with Quicken. She then told me she would need to pull my credit report to really have an idea about my potential. She asked me if that was ok. I was apprehensive because it's a " hard pull '' on my credit ( which does not go away for a couple of years ). I agreed. She called me back and delivered information about what she found and then told me the payment would be {$3200.00}. I responded " oh you mean my first and second payment together? '' Then she dropped the bomb that the monthly payment she quoted would be a refinanced mortgage of what I have now at 4.75 % ( I'm paying 3.99 % now ). So I guess that approach works for some people with Quicken Loans. They think you are desperate and offer you something and if you really need the money, you may relinquish to take a loan with points and more interest. I told XXXX that you never mentioned a refinance and I made it clear I wanted a HELOC. She responded that " all their conversations were on tape ''. Clearly Quicken Loans has scripted this knowing full well they were not going to offer me HELOC since XXXX told me " we don't do those ... we don't to lines of credit ''. This practice needs to be stopped and stop baiting and switching what you are offering.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2021, i used a TD bank atm at XXXX XXXX NY to deposit my cash. I had a total of {$50.00} XXXX and {$20.00} XXXX to make my total of {$4100.00}. I had counted my cash prior to getting to the bank. I used the first atm and placed more than the required number of bills that included 50s and 20s, the atm took some of the bills which were mostly 50s, and returned very few 50s and 20s. Without noticing the error, i told it to deposit the first set of bills and tried to deposit the rest however, the machine wouldnt take the rest of the cash. That deposit came to {$1000.00}. I did a final deposit on the next machine only to realize my funds were incomplete which came to a total of {$690.00} and {$900.00} respectfully. Which means i was missing {$1500.00}. Then it occured to me that the first deposit stated {$1000.00} which should have been {$2500.00} because it had taken only the {$50.00} bills and should not have been {$1000.00}. i ran into the bank after the atm error which could mean the ATM counted my {$50.00} bills as {$20.00} bills. They filed a claim and told me to wait 5 buiness days. I called on the 5th business day and they said its 10 business days now. I called on the 10th business day and i was told the claim was not in my favour. I ran to the bank to speak with the manager. He looked at the claim and said the initial claim was done incorrectly. He stated they count the overages every friday and the claim stated overages counted on XX/XX/XXXX when it should have been counted on XX/XX/XXXX. He stated he was going to look into this and get back to me. He called me back 3 days later on XX/XX/XXXX and stated their account did not have any overages for the week of the XX/XX/XXXX and he had his atm tech open the machine to see if there were funds stuck there but there wasnt so they would be closing my claims. I kept insisting that i know my total funds and its still missing from their machine. He stated he looked at the camera and saw the atm gave me back some funds which i deposited in the next machine. And i told him, thats been true and in my inital statement. The first ATM gave me back some bills and was refusing to take the rest of the bills multiple times so i had to use the other ATM. Whoever fixed the issue from the first atm must know the atm machine wasnt taking any more cash. He said the bank can no longer do anything about this, and would be closing my second claim and ended the call. My total funds is still missing {$1500.00} and i dont know what else to do.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (AZ)

I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.
Consumer complaint received 2021-05-16
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. (CA)

I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7 separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX  XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXXXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX XXXX account # : XXXXXXXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MN)

My XXXX year old daughter received a NetSpend prepaid MasterCard in the mail, to our address, with her name on it. I, her mother, never authorized this account or requested it. It came in the mail on XX/XX/21. I want to report this company.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has lowered the limits on all my credit cards to half of what they were. As a result, I have never been late on any account. Unfortunately, this has significantly lowered my credit score by 125 points because now my credit utilization is showing almost double what it was because of their action. 

What is XXXX is that they say they are doing this because my credit utilization was going up. Synchrony is not the only financial company doing this ; I've had XXXX, XXXX, and others. My credit utilization was going up because my other credit limits were being lowered. They are ruining my credit! 

These companies purposely affected my credit score. Unfortunately, I'm not the only one suffering from this indignity. Many Americans are being subjected to this scam and during one of the worst crises in history. 

This should be illegal. If anything, freeze the credit limit and don't allow purchases once you reach a certain point. This would at least not affect credit scores. Credit card companies need to be held accountable for this action. The bills passed in Congress regarding mortgage and credit card forbearance don't go far enough. It should have protected bill-paying customers, so their credit scores weren't impacted. 

Credit Cards are needed, and during good times they sure don't mind increasing your credit limit. However, something needs to be done and quickly. This should be illegal. I could understand if I was late or late on other cards multiple times, but this wasn't the case. Calling doesn't help because they won't do anything about it. I hope some Congressional action is taken to stop this nonsense.
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

Have been a PayPal client for 5 years with this specific account and no issues until XX/XX/year> when they switched to AI platform, and even boasted on better security. I am in XXXX and started noticing bogus fraud charges around the world ( have screenshot all and the below ). I only use PayPal for XXXX XXXX, XXXX and XXXX. I was constantly locking and unlocking the PayPal XXXX XXXX after the date above. Some bogus charges would cancel out or correct and refund the bogus charges to the balance. On XX/XX/XXXX at XXXX XXXX I noticed a bogus charge for " XXXX '' with no purchase email that is standard with PayPal for both buyer and seller. It simply came on XXXX notice. I was logging on and off the account panicking, but it already stole {$890.00} from the balance. I filed an unauthorized charge days later and the card was cancelled. I was under the impression that PayPal would correct this absurd charge ( like the others ) as A- There was no address or contact or invoice give nor am I an XXXX ( fraud/scam ) customer. B- They have NO products for {$900.00} C- In the following days they tried three more times ( I locked card ) at the same price {$890.00} clearly showing this card or card number was compromised and more fraud was attempted. I did everything I could do as a PayPal customer to stop all the frauds and recover this single {$900.00} charge back. They wrote that they investigated and that " I was in the account so I approved '' which is nonsense as I was in the account trying to stop anymore bogus charges and they have failed me and all business customers are protected under their bogus buyer protection. I contacted XXXX and there is no record of any sale for me. I have joined the XXXX victims on XXXX with similar stories and they are complicit or enjoy making money off frauds on top of large fees.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (TN)

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX at XXXX : XXXX XXXX XXXX XXXX at XXXX : XXXX XXXX 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 seven 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.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (CA)

My Mortgage company PHH, located in New Jersey sent me a letter stating that due to my equity in my home ( {$300000.00} ) and my excellent credit I qualified for a refi at a terrific rate, please call. I called because this would also pay off my bills. I talked with an agent XXXX XXXX. My main question was " whats the interest rate '', I believe currently I 'm at 3.84 %. He had to have my SS number which I hated because it will show on my credit report. He looked and came back with a little over 4 %. I agreed to proceed. He asked for a credit card number which rattled me. Why? He said in case I DECIDED TO DROP out of this offer it covered their costs. I asked him again to be sure we were clear. He then forwarded my info to a XXXX XXXX who asked for all kinds of forms - the normal forms. I receive Royalties for lease and gas/oil in the state of Oklahoma. I get XXXX 's but getting a contract showing what I would receive for the next three years was near impossible. No one understood what I was talking about. SO I informed XXXX if they had to have this and I would be rejected to be sure to remember I was told that I would not be charged the {$730.00} fees on my card. She never answered me on that question/statement. I have all the email 's as proof. I was charged yesterday on my credit card. I wrote XXXX stating why? I also have not received anything in writing that my refi was rejected. She wrote that my refi was denied because of the inability to get continuance on my royalties. Even a job can not give continuance. What I did receive from PHH was another letter stating that due to my excellent credit and equity in my home I qualify for a loan on my equity. What kind of scam is this place running??