davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Sun Trust merged with BB & T to become Truist. XXXX was the 1st payment that was due using their new portal. I logged in on XX/XX/XXXX and made my payment however for some reason it didn't process. There was never any notification that it hadn't been processed until I logged on to their portal on XX/XX/XXXX and I noticed they were charging me a late fee. I explained what happened to their support person who said they understood and it would be waived and I paid both the XXXX and XXXX payments at that time. 

In XXXX I noticed that my Credit Score had been hit and when I logged on to their portal they still had a late fee. I called in again and was told that they could waive the late fee, which they did, and that I would need to submit a dispute to clear the hit to my credit, Which I did. 

A week and a half later I received a letter stating that my dispute was denied. I went to the browser history for my computer and can clearly show that I logged into their portal on XX/XX/XXXX. The only account I have with Truist is the Mortgage account and therefore making the payment is the only reason I had to log in that day. I took a screenshot of the browser history and submitted it to the 3 Credit Agencies with a Dispute. I just heard back from XXXX that Truist is refusing to reverse the report. I assume they will have the same response to the other 2 Credit Agencies.
Consumer complaint received 2022-04-13
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. (CA)

I have disputed accounts and inaccuracies with TRANSUNION. I was under the impression they were allowed to do this legally, but the law states different. Pursuant to 1681 ( a ) ( 3 ), the role of furnishing credit information on my behalf was assumed by TRANSUNION. This is a direct violation of 1681b ( a ) ( 2 ) because my written consent was NEVER given to TRANSUNION. They have essentially been using my private information and sharing it without my consent which is a violation of my rights under the 1681 ( a ) ( 4 ). After once again disputing the inaccuracies, TRANSUNION has willfully disregarded my right for investigation for accuracy of these accounts.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/2021 I had fraud on my account where XXXX tried to act my account over XXXX times on 2 separate occasion just 4 days apart. I was charged over XXXX in NSF fees by NFCU. After hours upon hours of trying to work this out, I was refunded those fees on XX/XX/2021 and my account was closed. I had a new checking and saving account opened and didnt hear anything about it until XX/XX/2021, when I had an IRS tax refund check deposited into my new checking account for {$5000.00}, and navy federal took every dollar of it to pay this charged off account. My statements show I was refunded the money and my account was closed. NFCU refuses to return the money even after its been proven by multiple representatives that work for NFCU, every time I get a different excuse and told someone will call me or there is nothing that can be done. They continue to lie and change story and hang up on me.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My husband, XXXX XXXX and I closed on a HELOC from Citizens Bank XXXX XXXX ) in XX/XX/2023. We were given debit cards. The cards were brought home directly and put into our home safe. 

In XX/XX/2023 I received a text from Citizens Bank from their fraud department for four unauthorized charges. Upon calling, the charges were placed in dispute and I was not responsible. 

Citizens Bank then issued me a new debit card which I was instructed to pick up in person at the XXXX NY branch. Again, I secured both cards in my home safe. 

In XX/XX/2023 I was again notified by the Citizens Bank fraud department that my new card was compromised with two charges. Mind you that the two cards were never inserted, swiped or used in any fashion including on-line purchases. Both cards have never left my possession.

This leads me to believe that there is a breach within the Citizens Banking system. I have refused a third debit card and I have requested credit protection for one year which Citizens Bank as of this day has not responded back to me.

Citizens Bank has broken my trust as a new customer. What can I do going forward to protect my credit and or banking information? 

Any help in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX e-mail XXXX XXXX
Consumer complaint received 2020-06-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

Closed on the house XX/XX/2019. XXXX XXXX. No inspection was performed by XXXX XXXX. There were no Agency agreement forms signed by myself and the Real Estate Agent at  the beginning. No Appraisal report of comparables, prices etc. given to me on the home. Since moving in, the past year has been such a hardship. The roof of the home has an impression. The roofer indicated just a matter of time before additional problems occur. A few days after moving in the entire heating and a/c unit crashed. I had no air condition all summer until I could arrange for install of a new system. I had to arrange some type of financing, and now I have a XXXX XXXX dollar a month payment on a XXXX salary. I had to purchase an entire new unit. A few months later the rains began and the driveway and front yard flooded and continued to flood after each rain. Currently the concrete driveway has sunk three inches, cracks throughout the driveway. Now, prompting me to hire a plumber to tell me the driveway is unsafe, will collapse and possibly a sink hole. As of the date of this complaint a sink whole has developed. The driveway is in danger now of collapsing. I have difficulty accessing my side door of my house. Clearly, fraud, misrepresentation has occurred. In addition I have suffered extreme hardship. Clearly fraud and misrepresentation. This past year has been an extreme hardship and pain and suffering in an unsafe home.
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (NC)

I contacted Ally Financial on XX/XX/XXXX once I realized getting the full payment of {$1100.00} in prior to the 30day was going to be difficult. After going through all the necessary steps with Ally, I was advised by the rep that I was approved for a deferral and my payment will be extended. I had 10 days from XX/XX/XXXX to make a payment of {$710.00} to finalize the extension. I made this payment on XXXX within the 10days. At no point was I advised that a late payment submission to the credit bureau will still be made if paid after the 30days from XX/XX/XXXX. Again, it was stated my payment was extended. If the payment still needed to be submitted prior to end month, then this should have been made clear to me at the time of the deferral call. I would have tried everything to get that {$710.00} in prior to XX/XX/XXXX. Even in the agreement document with Ally, this information is not clearly provided. My credit score has been grossly impacted negatively. Clear information regarding payment to avoid credit hit should have been apart of the deferral conversation and agreement. Advising a customer the payment is extended and still submitting a late payment to their credit report is counterintuitive. Being head of household mother of XXXX children this has a major negative impact.
Consumer complaint received 2023-09-02
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. (GA)

I previously disputed accounts with XXXX, XXXX and Trans Union because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information.

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Company removed access to my account i suspect a data breach an leak of my personas private consumers information. I request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b and My person is protected by Code 801 15 USC 1692. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Yours faithfully, XXXX XXXX
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

i made a full payment to Macys credit services on XX/XX/2020 of the total amount of {$340.00} to fully close out my account. 
Macys never processed the payment. I made various multiple calls to macys customer service in multiple attempts to resolve this issue in the following weeks after the payment was issued. macys failed to provide and customer support due to the covid-19 and closed their phone support. now macys is issuing interest on my account adding late fees and transferred over my bill to a debt collector. when macys reopened about around XX/XX/2020 i called macys and they had no access to my account anymore, due to it being sent to a collection service. i contacted the collection service XXXX and they have very slow and no consumer support saying that they will get back to me about my dispute with macys in 45 days. all the while macys will keep adding interest and late fees. at this point which have added about 50 % of the original bill so far. i will at this moment make a full payment directcly to citi bank finance services directly to end the interest and fee charges. i will pursue this matter until this issue gets resolved.
Consumer complaint received 2023-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MN)

I was trying 15 day free-trial home internet with XXXX on XX/XX/XXXX. I cancel the internet due to their internet not compatible with my work environment and return their equipment on XX/XX/XXXX, which is within 15 days. After a month, I received bill from XXXX for unpaid bill. I was verifying on XXXX XXXX official account, and I was told that it should clear within 1 or 2 cycles. However, XXXX kept sending me bills for 2 more cycles with additional late fee every time. I went in store and talked with the staff there on XX/XX/XXXX, he said I need to paid {$25.00} upfront and they'll refund me later time. So I paid {$25.00} and they said late fee should be waived as well. Note at this time it is still within due day of latest bill I received with 2 times of late fee. 

However, a debt collection letter was sent to me from Convergent Outsourcing on XX/XX/XXXX, which is before the billing due date of amount of {$39.00}. And I receive the letter at a much later date. To me this is unethical practice to send their bill to debt collector before billing due date. And they did assure me everything should clear from my account multiple times.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am requesting XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, Experian and XXXX are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for Experian is reporting charge off XXXX  when XXXX is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited a check and on the receipt was written that the deposit would be avaiable the next morning. I ordered an expensive construction system to be installed and found the a hold was placed on the depost for 12 days. 
I relied on their written statement as to when it was to be made avaiable and now will not have the funds to pay my obligations. 
I have been told by the person who wrote the check that it was removed from their account already and the bank will not release the hold. 
I could understand a hold on a check but all they had to do was not put in writing that it would clear the next day and then not clear it. 
It is for a large amount of {$500000.00}, but it is not uncommon for large checks such as that to be deposited in the account. I put checks in for over a XXXX and this has never happened. they claim that I exceeded my daily balance of {$5000.00} was the reason for the hold. that limititation has never been on my account before and I usually deposit far more than that over the years. 
I have also been informed that the check was paid by the back on which it was written. 
Wells Fargo is holding money that has already been paid by the other bank and refusing to release it. 
This will destroy my companies credit rating and I have no recourse.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

My situation is that every month Im fined late fees and interest charges by PNC XXXX because auto pay has not worked. Every month I set it up again and the same thing happens. PNC Customer care told me their system may have a fault with external bank payments and they me asked me to fill in a paper form, and mail it to PNC. Theyve not agreed to waive my fees. 
This has been happening since XX/XX/2023, and every month I have to call them and complain. Their system does not preserve audit trail which is a regulatory requirement as far as I understand. 

PNC Bank only agrees to look into the incident after I posted on social media- XXXX and on XXXX. 

Even then, the executive from the Cotporate leadership team that was assigned to me, stopped responding to me and the issue with my fees and interest charges continues although I set up payment every month. 

As per consumer banking rules, if the fault lies with the banks systems, the consumer cant be asked to pay? No? 

Worse of all, PNC has told me they dont keep an audit trail of such activities. It means Tbey cant even tell me when Ive set up auto pay and why it didnt work. 

Lastly, PNC told me I was free to go outside of PNC ( small claims court, consumer finance protection bureau, etc ) to get it resolved because they cant fix the issue.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I have disputed the following tax liens with Experian multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can XXXX verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX XXXX : Tax Lien : XXXX Lien : XXXX Lien : XXXX
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I've had an account with Huntington Bank for the past six months. However, I recently noticed some unauthorized charges on my debit card. I lost my card, Phone & backpack but even after locking it and traveling to XXXX, a transaction was posted, and my money was taken. XXXX I filed a dispute for {$500.00} + {$500.00} = {$1000.00} ( XXXX  and XXXX XXXX ) XXXX I was informed that I would receive a provisional credit within one business day, and if I didn't, I should contact the dispute team. Unfortunately, I didn't receive the credit today, and now the dispute team is saying it could take up to 10 business days. now they are saying they have denied the case as for the transaction they sent me a text message and there was approval from the phone. My question is when I lost the phone, card, and laptop then how can I reply yes, why I should suffer an unauthorized charge from my account? Please help me get my money back as soon as possible. I have to pay my son 's hospital bill by tomorrow. 
Even I have testimony for the other 3 people with whom I went to XXXX  as well and you can contact the US and XXXX  border protection. they have my entry exit details. 
My account number is XXXX
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (WI)

On XX/XX/XXXX I charged a hotel room to my corporate card. The hotel room was not actually available as the system was down. I spoke to person at the front desk who assured me that the charge would be removed. After returning from my trip there were two charges. One for the room at {$140.00} and the other was {$100.00}. I opened a dispute with US Bank. Our travel agency called the hotel and they had charged me for a room and the other charge was a pre-authorization fee for the room that was supposed to drop but did not. US Bank requested documentation by XX/XX/XXXX. I sent them the documents on XX/XX/XXXX. A week later they ruled in favor of merchant due to me not responding. The hotel credited me back for the room fee but not the {$100.00} fee as they didnt have any record of this. I called US Bank again and explained that charge and they said they were going to review, but I have not heard anything back. Also, since they ruled in favor of the merchant and closed the dispute, due to company policy I had to pay that fee out of my pocket. I do not understand how a bank recognizes its a pre-authorization charge common in the hotel industry that never dropped AND was informed that the merchant has no record of it that I was forced to pay for it.