davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (CT)

I signed up to open a new checking acct with the understanding that I would get a {$300.00} bonus after 180 days and upon having {$2500.00} in qualifying direct deposits within 60 days, which I did comply with. 
I read the print that said I would not be able to qualify for this promotion if I currently had an open acct of if I closed a previous acct within the past 90 days. Neither was true. 
I had an acct that I closed in XXXX of XXXX. I see now on their " promotional '' terms that you will not qualify if you've ever received a bonus before. However that verbiage was not in the fine print when I opened this acct last XXXX. They think because that is their rule now that I fall under that. I dont. That was not the rule in XXXX of XXXX when I opened this acct. Therefore I think I deserve this {$300.00}. I am sick of banks doing their bait and switch tactics. I called the TD bank about this and they are trying to tell me I am not eligible for it. I am eligible for it and I would like it. I have my paperwork from I signed up that shows I am eligible. Please let me know how to proceed..
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (NC)

In early XXXX I attended an online class at XXXX XXXX  located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with XXXX and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Inquiries Request for Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete ALL Late Payments On Accounts Below XXXX XXXX - ACCNT XXXX XXXXXXXX XXXX XXXXXXXX - ACCNT XXXX XXXX XXXX XXXX XXXX  - ACCNT XXXX XXXX Remove/Delete all Accounts bellow XXXX - ACCNT XXXX XXXXXXXX TXXXX XXXX XXXX ACCNT XXXX XXXX XXXX, XXXX. ACCNT XXXX XXXX
Consumer complaint received 2023-03-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was pre approved of a {$200000.00} VA home loan on XX/XX/2023. 

XX/XX/2023 I payed for the inspection {$400.00}, earnest money {$1200.00}. 

XX/XX/2023 I payed {$670.00} for an appraisal. 

During the whole process they kept changing my loan team around I was given multiple agents that Handled my loan documents. Apparently there was a team that got involved and started to not approve mortgage loans because USAA had made some mistakes giving out these pre qualifying numbers. 

The whole process was very stressful and un organized. All for nothing in the end.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION (NJ)

On XX/XX/2023, I received an email solicitation from Fulton Bank to open a simply Checking account and spend {$300.00} across 15 transactions within 60 days to obtain a {$200.00} bonus. I complied with the terms by XX/XX/XXXX and began calling the bank and sending secure messages asking about the whereabouts of my bonus. The bank continues to give me the run around and refuses to provide answers to my questions. I have sent 4 secure messages and called the bank at least 8 times to inquire.
Consumer complaint received 2023-03-14
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MT)

On XXXX XXXX Synchrony Bank took out the full balance due on my card. I had set this up to be a monthly payment of minimum due. I now have bank fees because i didnt have {$7600.00} to cover the balance on the card they took out of my bank account. I contacted synchrony bank and they told me to contact my bank and have them deny the transaction and they assured me my account was now for SURE set up to be monthly minimum amount due, and my late fee would be waived when i am able to make the payment after my bank clears everything. 
I contacted synchrony bank 2 days later to see how long i need to wait because it still showed my balance of being XXXX due, and i didnt want this to hurt my credit for being late. 
Fast forward to XX/XX/23 1 WEEK AFTER THIS HAPPENED, they now took out the full balance AGAIN!!! of {$7600.00} which has now caused my bank account to overdraft from insuffiencient funds. I contacted synchrony bank and they told me the same thing. I feel like this is some sort of scam of taking the full amount out. I know for sure the same thing happened to someone else we know who also used this promotional 0 % interest for sleep number bed and was approved for the same card. The SAME EXACT thing happened to them. Synchrony bank said they arent liable to pay bank fees because it isnt their fault. How is this not their fault??? They took out a full amount not once but TWICE in 1 week!!!
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

Back in XXXX on Black Friday XXXX  I order T.V. 's online for XXXX using my cash app card. Up on the day it was supposed to be delivered, i notice it was deliver in Alaska I live in XXXX XXXX, Louisiana. I got in contact with the USPS they let me know that the package i was waiting on was not the size of a 75 inch T.V. I got in contact with cash app to let them know i was scam. I did that 3 times. I haven't got any respound about my money they keep saying it decine. On XXXX XXXX I reported 2 payment for a deposit for XXXX for a deposit for a car a total of XXXX. I was not suppose to send to rest of the money until the arrive, they call me asking for more money and the car was not here. I told them i was not sending more money until the car was here still have had a respound or a refund and i ask for it. I got in contact with cash app cash this was a cash app address that i sent it to and cash app once again not do anything on helping me to get my refund back. I need help on getting my money back.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SD)

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 It also states that consumer reporting agent can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

On XX/XX/XXXX my partner made a Deposit of {$1000.00} inside XXXX XXXX, PA XXXX of Citizens Bank. At the end of the month i noticed i have {$1000.00} short in balance since i maintain an XXXX sheet for my deposit and withdrawal. I called the bank and they told me yes there was a deposit on XXXX but clerk made a mistake and deposited the fund twice and made a {$1000.00} withdrawal to balance is out. I was like, based on the statement i only see one deposit and one withdrawal. Basically clerk deposited and withdrawal my money. 
Its been more than 3 weeks and i have not received any claim update from the bank. They made me file a fraud claim saying it was a check ( changed their statement ) which was cashed in the branch, and failed to provide a copy of that check. All i want is my money back and also action taken against this bank/cashier if it was intentional. My Full XXXX statement attached with highlighted one deposit and one withdrawal on XX/XX/XXXX.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

15 USC 1681b ( Permissible Propose ) This is grounds for these accounts to be removed immediately ... It is a violation for credit company 's and credit bureau to report anything they want on your credit without a written consent. I never authorize or provided any written consent to the credit bureau to report or keep reporting this. It's identity theft and it have to be removed immediately... Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: American Credit Acceptance, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has an debit on account of amount of XXXX and have taken a sum XXXX from accounts and sum of XXXX and XXXX out of two account before this not one of them customer service people can explain why these funds are being taken out of these accounts and further information this bank changed my debit card and sent the new to an old address which clearly change on the bank website
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I told Comenity Bank to close my account last year ( 2022 ). Unfortunately, they deleted my email because they don't retain them past 120 days. Since I've requested they close the account, even though I have bought nothing with the card, they have charged me {$100.00} in late fees. Additionally, they harass me daily with phone calls and text messages. I do not want this credit card and they continue to charge me and claim I owe them a debt when I have purchased nothing.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

Pertaining to debt With XXXX XXXXXXXX XXXX ACCT NUMBER XXXX The company sent the original contract and verified the information that I gave them that the original company that sold the debt to the collectors never had the DEBT, nor the authorization to assume the debt. The contract was did with a finance company XXXX not the school. And there was no debt with the finance company.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO. (WI)

I have explained to JPMCB card services several times about the issues with Amazon. I clearly selected returns go back to original payment method, and for months they put my refunds on a gift card account without my approval. JP Morgan Chase Bank now raised my interest dramatically and will not help me with the Amazon situation. I spoke to multiple managers at both Chase and Amazon and they both were very rude to me. I have been hung up on 4 times between the two companies. This is very unfair and a violation of the credit act and my rights. I have asked the company in 2022 of XXXX to send me proof with my wet signature that I opened this account because around this time I suffered from Identity theft. JPMCB just sent me a new card and I had to speak with I.T with Amazon to fix my account had been hacked. I explained this to Amazon Management, and i was hung up on and yelled at in a angry tone, also played with on hold for hours sent from department to department. This has made me very stressed and brought my credit score down dramatically. I asked JPMCB to dispute the Amazon charges because they committed fraud by moving my funds to a different account without my approval or knowledge. I am asking for this account to be removed from my credit file.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Account # XXXX Late Payment 30 Days XX/XX/2020 Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (SC)

this debt was paid on XXXX settled with the original creditor in the amount of XXXX. 
XXXX XXXX, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid. 

National credit adjusters LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid 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: CITIBANK, N.A. (DE)

Citicard called and said my card was compromised in XXXX XXXX A new card was sent which has been used since that time. Citicard gave several credits and adjustments, but continues to charge about {$4000.00} that they did not give credit/adjustments for the total purchases that were not mine. I have continued to notify them by written statements and phone calls with nothing resolved. Since XXXX, the calls were with my banker XXXX times, 2 to 3 hours each time. We continued to be shuffled between customer service and the fraud departments. Each time we were told the balance was XXXX dollars ( {$0.00} ) only to find that the following statement was still over {$4000.00} more than the monthly purchases. Each month since the initial card change, I have paid for my purchases.
Consumer complaint received 2023-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IN)

In 2006, I filed for bankruptcy if my real estate investment company. My primary residence was included but we wanted to keep our home and reaffirm the mortgage. 

We signed the reaffirmation agreement, but it was NOT sent to the recorders office by out attorneys. 

For 3 years U.S. Bank took our mortgage payments after the bankruptcy was discharged. Once they found it that our primary residence WAS included in the bankruptcy, U.S. bank stopped accepting our mortgage payments.

We have tried unsuccessfully for over 13 years to fix our mortgage but U. S. Bank has thwarted our efforts. 

It has caused so much stress and strain that it affected my marriage and after 29.5 years we divorced. 

U.S. Bank  has not assisted me, like it has assisted so many other clients, in trying to keep this XXXX veteran in his home. 

I dont believe the modification process has been fair and Ive had an undue burden placed on me and my family. 

I have been approved for a loan modification at least 3 times and approved for a short sale once because U.S. Bank got the information wrong and processed our home for a short sale when we requested a loan modification. 

The delays have lead to an insurmountable debt that U.S. Bank should take some responsibility for. I was approved again for a modification but my ex wife will NOT sign the modification paperwork. 

U.S. Bank is moving forward with the foreclosure process when all they have to do is give the homeowner a new mortgage. 

I would like some help in keeping my home of 23 years.
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation has been imposed in error, as I have always made every effort to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request that you re-investigate my case thoroughly and, if possible, reconsider the permanent limitation placed on my account. I am committed to resolving any issues or concerns that may have led to this decision. My PayPal account is essential for various personal and financial transactions, and its continued accessibility is of utmost importance to me. 

I understand the need for PayPal to maintain a secure and trustworthy platform for all users. However, I firmly believe that there has been a misunderstanding or mistake in my case, and I am eager to cooperate fully to rectify any issues. 

I kindly request that you provide me with an opportunity to clarify any concerns or provide additional information that may assist in the review process. Please let me know the necessary steps or documentation required from my end to support this appeal. 

I appreciate your attention to this matter and look forward to a prompt response. Thank you for your understanding and consideration.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.