davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (CA)

XXXX - I tried to transfer funds out of my Huntington checking account to another bank. My connected accounts were suspended so I was unable to transfer any money. Notification on the account listed a customer service number to call. I called customer service for Huntington bank to close my account and have remaining funds transferred to another account at a different bank. Customer service said procedure for unlocking and closing accounts would need a statement from receiving bank and I would need to go into a branch to accomplish this. I do not live in a state where there is a branch and I told the representative. The was response was they couldn't do anything for me but I could call a branch for assistance and they gave me a number to call. I also asked why my connecting accounts were suspended as I have transferred funds in the past between these accounts and they were unable to answer the question, citing there were not any notes on the account as to why this was done. After hanging up, I called the branch number I was given and got the same answers- I could not do anything without coming into a branch and there was no alternatives besides spending the money from the account and leaving the account open with a balance of XXXX.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

In XXXX I cosigned for the daughter of my girlfriend XXXX XXXX her daughter XXXX XXXX and her Partner XXXX XXXX to renew a Lease at an apartment that I had cosigned for 1 year prior. Because I was helping raise her children and wanted them to have a home. In late mid XXXX my girlfriend and I became estranged as well as her daughter. I have not spoken to them since XXXX. In XXXX I wrote a letter to the apartment complex to make sure she did not renew with my name or credit. Apparently that couple and her mother could not provide the credit necessary to renew so they moved out without paying rent and did damage to the apartment in which the apartment wanted to be reimbursed for. Because I was the only person that would actually pay the apartment company wanted me to pay the entire amount, approximately XXXX dollars, I contacted XXXX and told her to pay she said she would but apparently did not. she has a history of this. I was contacted by a debt collection agency XXXX XXXX trying to collect the full amount and was told that they could not locate the other 2 persons. I told them that I could not either, and they wanted me to pay the entire bill. I contacted and attorney that wrote a letter dated XXXX XXXX. XXXX to pay XXXX of the amount The letter also stated to contact me directly with written offer to settle. I never received a letter. I assumed they had made arrangements with XXXX XXXX and XXXX XXXX to make payments. I was contacted on XX/XX/XXXX by the attorney that wrote the letter and told me that XXXX XXXX contacted them in spite of instruction otherwise. She wrote another letter informing XXXX XXXX that they should contact me directly. today XXXX approximately XXXX hours I received a call from XXXX XXXX from phone number XXXX, from a female that stated her name was XXXX would not give me a last name but stated her extension was XXXX. She stated that the other party ( singular ) had agreed to pay XXXX half of the debt, and that in accordance with some law meant that they would have this debt removed from their credit. And because they agreed first that no matter what it would remain on my credit. She proceeded to tell me that I had until XXXX today to pay half or " the deal was off the table ''. When I tried to talk to her she just talked over me and and continued to threaten me with bad credit. She continually put me on hold and told me she was typing up my offer. I informed her that she should send me an offer in writing to review and consult with attorney if necessary, she said as long as I could do it by XXXX today or the offer is refused. finally after telling me she was going to contact her XXXX and putting me back on hold I hung up to seek counsel. This company uses threats and intimidating language to try to get people to agree. As of now 1 hour later I do not have any written correspondence from the company.
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received an Amex XXXX card. I was able to use the card a handful of times but have since had various transactions declined at a number of different merchants, including XXXX where it worked a few times. 

I have tried this multiple times with amounts less than the full remaining balance. 

There have been many reports of this problem with Amex XXXX cards.
Consumer complaint received 2024-06-03
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONXXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I opened up an account with CHASE bank. On that same date I deposited two separate payroll checks into the account using their mobile app. One check in the amount of {$790.00} & another for {$390.00} On XX/XX/XXXX I received an email from CHASE informing me that my account had been locked/restricted. I called CHASE customer service & spoke to a representative that informed me that my account had been locked & that they needed to verify my deposited checks. I was put on hold & then told that they were unable to get verification. I have since called CHASE customer service multiple times in an attempt to get my checks verified. I called & spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all to no avail. I was repeatedly told that they were not able to reach the check issuer to receive verification. I eventually learned that the number they were using to obtain verification was a fax number. They have refused to use any other number provided to them to obtain verification & claim these numbers are unable to be authenticated by " Their system '' A CHASE customer service representative even spoke to an individual in my employer 's payroll department & still refused to verify my deposited payroll checks as the number used was apparently not considered verifiable by whatever system they use. I was told today ( XX/XX/XXXX ) that my account with CHASE has been closed & that although the funds from my deposited payroll checks had cleared those funds will be withheld until CHASE can verify them. I am XXXX years old & this is my first bank account & this experience has been beyond frustrating. I just want access to the money that I have earned but CHASE is holding my money hostage until they can verify it which is a process that has already proven IMPOSSIBLE. I have spoken to multiple customer service agents, & supervisors & have even asked that my issue be escalated & nothing is being done. I am submitting this complaint in hopes that this matter can finally reach a resolution & allow me access to money that is rightfully mine.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I have been receiving robo calls and voicemails from this company since XX/XX/2024. I have various department store credit cards with this company. 

When I explained to their representatives that due to a financial crisis that I was unable to make their minimum payments on multiple credit cards and told them to stop the robo calls, they said the robo calls would continue until I made any amount of payment. They kept pressing me for when I'd be making my next payment and I explained I couldn't tell them when I could pay because I had no incoming paychecks and I owed the IRS.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

I got the Apple card statement from my work office that I haven't applied. The Goldman Sachs called me to ask about the payment so I recognized that the card was fraud. They used strange email that hasn't belonged to me, and the work office address instead of my home address. I also tried to report the police. But my location police in XXXX XXXX, XX/XX/XXXXdoesn't take personal fraud report. I did report the fraud to Goldman Sachs XXXX department and they are investigation is processing.
Consumer complaint received 2024-07-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Trident Home Loans, LLC (FL)

Trident Home Loans financed my home with fraudulent documents and used my employment paycheck as a payment on the property with the legal written promise it would be signed over into my name.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (PA)

My credit report is showing a collection account from XXXX XXXX XXXX on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

First I filed a dispute which took members resolution team 2 months and a hand written letter to headquarters for a response. I saw fradulent charges recieved a credit then six months later they USAA reversed the claim. When I saw this I called and they told me to send police report which said my WALLET was stolen, in the police report and they wanted a letter from XXXX XXXX as well. It was several months before I noticed this because my mother had a XXXX and one of the USAA RESOLUTION MEMBERS ( XXXX ) who took three weeks to call after I sent numerous voicemails, talked to numerous reps who told me to submit documents which they ignored for months. Police report, XXXX XXXX XXXX, and VA letter letting USAA know my direct deposit was sent mistakenly. XXXX awareness month was last month but it seems like predatory lending is being displayed at USAA. Two months they took my direct deposit and gave me the run around. XXXX XXXX why take the only income I have because now IM EVICTED because I missed rent for two months straight and I take care of my XXXX mother. Also, when he asked why it took so long to report the fradulent charges it was because my mother had a XXXX  XXXX so is he calling me a liar or is he being insensitive of my XXXX  XXXX? Some people dont see fraudulent charges for years so why is mine such a big deal?
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Accscient, LLC (TX)

The company kept calling my family and threaten to come to my job and house to collect a debt that they have no contract for. After speaking to one of the representatives, he was extremely rude and would not give me any information regarding a contract.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Chime Financial Inc (IN)

My account was closed by time XXXX of XXXX  after I complain to them that they gave my XXXX my information on my trim account and he took over my time account with the money in it and they automatically close my account and wouldn't let me back in it and he got my money and they locked me out of my account. My Experian credit report shows paid in full as of XX/XX/year> yet since XXXX Chime has been pulling my credit every month and sometimes XXXX and 4 times every month to date without my permission. I have called them I have wrote them a letter and still they're pulling it they do not have my permission they do not have any reason I have not tried to get a Time account I've not tried to get any credit cards I'm not trying to get any loans they are pulling my credit report and getting my personal information without my knowledge without my permission experience does not have my permission to let them pull my credit report my credit report should have been locked. 
This needs to stop.
Consumer complaint received 2024-07-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (PA)

This will be my second complaint against my mortgage company Fay Servicing. When I went to pay my mortgage, I went online and now Fay is claiming I am behind a month. When I have been paying every month timely. 
When I have filed my initial complaint ( complaint # XXXX ) I was then informed they messed up my escrow analysis and now my mortgage will be raised from {$1300.00} and now will be {$1400.00} to cover the shortage due to their error. 
Now my account states I am one month delinquent and have been assessed a late fee charge of {$32.00}. I have attached the statement from their website. I want a third party to do a FULL analysis of my account and I want a detailed listing of where my mortgagee payment has gone and an explanation of why I am all of a sudden short on my mortgage. 
Fay Servicing needs to be shut down they are horrible. The reviews of horrible. The CEO and chairs really need to overhaul this company.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CO)

I do not know what this debt is, Ive asked them over and over to remove from My credit report. They remove it and put it back on in a few months. This is not my dad is I do not know about this account where it come from or anything.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NV)

on XX/XX/year> at XXXX, I called chime to close my checking account and a representative told me my account couldn't be closed because of a verification process. I told the representative that chime had no right to keep my account open regardless of any reason, and the representative kept ignoring me and said I have to go through the verification process. I recently filed a complaint with chime on the representative that ignored my answer of no when she insisted and recommended my account to be placed on lock and would need to be accessed after going through the verification process, on XX/XX/year>. I want my checking account closed and funds transferred to another banking institution because I'm trapped in another state after my chime debit was stolen and need my checking account funds to go back home. I've been stuck in XXXX XXXX since XX/XX/year>, because my drivers license was also stolen.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (AZ)

Selene finance LLP a private foreign corporation and MCLP finance a private foreign corporation has not provided all parties of interest of the property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX The XXXX parties and the statutory agent for Arizona ( automated ) did not give notice of a foreclosure sale and its recording at the county recorder provide information to the public auction through a third party named Auction.com. Since the XXXX of XX/XX/year> when an investor showed up to make an offer on our home, I had no inclination of a foreclosure sale set for the XXXX of XX/XX/year>. I have contacted my US House of Representative, HUD and Selene to provide me with the legal documents required by the alleged parties to be worked on with the borrower before any foreclosure action can be initiated by law. This foreign corporation and its associates have not responded or taken any action to work with the borrower ( me ) or respond to Congressmen XXXX, myself or other local agencies reaching out for answers. The only entity that is claiming there is a foreclosure is Selene finance and all appropriate agencies legally required to auction do not have the home publicly scheduled or available for tomorrow XXXX XXXX. I made a {$8000.00} payment 90 days ago and they deliberately misappropriated the deposit and will not remedy to keep the foreclosure going on their behalf. Furthermore they have left no option to access the account or to request instruments and documents that are required to be publicly available to me by law. I am only asking that this deliberate failure to work the myself as an American is investigated and corrected for myself and all the other victims of this crime. I also dont believe that either entity is a federal reserve agent and can lawfully make any deposit. I have XXXX yrs of forensic evidence backed up by affidavit and lawful TILA, RESPA request required by Selene and XXXX to answer and provide and have used law fare to not answer. Its the Law! If you require any mor assistance please reach out anytime. 
Thank you, XXXX XXXX XXXX, an American
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (OH)

When I contacted Comiety on the phone, according to the representative I spoke with ...... THERE WILL NOT BE AN AUTOMATIC PAYMENT IN XXXX. Why was that not disclosed? The warning on XXXX statement, instead of confusing the average customer, I would have made the {$29.00} payment. XX/XX/XXXX TO XX/XX/XXXX IS 24 MONTHS. Had XXXX taken the {$29.00} payment, the XX/XX/XXXX statement says is due, there would be an over payment. Facts are facts the wording in the WARNING Portion of the statements, in XXXX and XXXX, to collect INTEREST IS FRAUDULENT. It was XXXX that did not take the {$29.00} in XXXX. BUT XXXX had no problem taking the interest payment in XXXX. By skipping a month, XXXX, the company set me up.
Consumer complaint received 2024-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX at XXXX, I sent a new email to Navient at advocate @ navient.com regarding a School Misconduct Application. My prior application was denied on XX/XX/XXXX, I was not provided an adequate reason for denial and filed a CFPB complaint. Navient did not provide an adequate reason for my denial, but did provide that I was in an appeal process. I noticed I was taken out of Forbearance on my student loans. I was not provided information if my " appeal '' was denied. In addition, I requested on XX/XX/XXXX via email information including " why I was denied, if I can resubmit, if I can appeal '', and Navient has not responded to me.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

i have not given anyone written permission to report any of my private information on my credit reports. this is a violation of my privacy rights.first carmax auto finance has never had permission to do so. The negative reporting of late payments needs to be removed. This is an infraction of my rights according to the consumer protection rights
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

Truist Bank advised that a {$500.00} deposit made on XX/XX/year> : and processed on XX/XX/XXXX; was placed on hold and flagged to the Exceptions Fraud department due to the following reasons. 
The check Pay to the Order line was made out to the Account number of the Business. This alone should not have caused a red flag ... .the payable line wasn't an issue, rather it was cherry picking the account. Truist claims the account was placed on Hold for XXXX business days. Consumer didn't receive an email or notification as to the hold prior to placing numerous phone calls and catching the right department regarding the reason. Consumer contends Truist Bank collected the funds on XX/XX/year> and should have given credit to account as courtesy in the amount of at least {$100.00}. Instead the entire amount was placed on hold through XX/XX/year>. Truist Bank kept the account on a negative balance with a pending positive balance without good reason. If the Mobile Deposit of {$500.00} caused a suspicious response, then Consumer had the right to know whatever the issue was. Truist Bank wasn't forthcoming and placing lengthy holds on account on when the funds are collected should be an infraction of the Deposits Availability policies. Truist Bank customer service department are counter productive and the Bank Branch is also counter productive in resolving issues... .they claim they can't make decisions or funds available unless the system determines the outcome. 
Consumer disagrees with Truist Bank collection of funds as case by case decision given that a pegging order of selected accounts are being scrutinized without recourse. The consumer must bring an account positive by making another deposit that will be absorbed by a negative balance while they hold deposits for lengthy time and decide to release funds ; on their time table making it difficult for Consumers to access funds.