davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I have been with the bank for over a year with no issues whatsoever. I had saved up XXXXXXXX XXXX  that I had in my account and I recent conducted a wire transfer so the funds could be transferred to another bank related to real estate as I was letting my sister borrow the funds. The process was done without issue and I paid the necessary fees, days later I find out my account is due to be closed and my remaining funds are not able to be recovered until the account closure process has ended. No one is able to tell me why my account has been placed in this hold to closure status. 

Another banker mentioned it could be related to the recent charge dispute case I filed. The amount of the dispute was XXXXXXXX XXXX and was related to a membership charge from the XXXX XXXX XXXX. When I first filed the case I did so in good faith as the membership charge was not present in my main XXXX  account and I could not locate where it came from, all I knew is that I hadnt authorized the charge, which I reported. Shortly after filing the dispute I found which account I was being charged for the membership from and the case was settled with the XXXXXXXX agent directly. Afterwards I called US bank to have the case cancelled as it had been resolved and the agent reassured me that she would close the case, but she actually didnt as I noticed I was provided with provisional credit days later which was reversed shortly thereafter, as expected. The following day, the XXXX of XXXX a hold was placed to my account. Im not sure if its related to the recent wire transfer or the recent charge dispute, but in any event my account is on a hold to closure status, I can not recover my funds and the US bank agents are not able to tell me exactly when Ill be receiving them.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My account was reported for fraudulent activity due to a student loan deduction of approx {$50.00}. I spoke with the student loan provider directly and worked out a deferment. My bank completed a deny payment and put a hold on my account. I spoke with the representative directly who advised me my funds would still be available and any bills being deducted would be able to process but I would have to walk into a branch. I walked into a branch and attempted to deduct my funds which they refused to do. I asked them to transfer it to my savings ( account not closed or flagged ) so I can do a withdrawal. They refused to do this. I left and called Huntington customer service. The customer service representative/manager stated I could walk into a branch and the branch can remove the hold. The representative stated she would speak to the branch manager herself. I walked back into the brand, with the representative on the phone, and spoke with another manager. I put the phone on speaker and the representative told the branch manager they will not remove any hold on my account and since I walked into the branch they could not assist me anymore and ended the call. I was lied to! At this point it was XXXX XXXX and the branch was closed. It is illegal to hold funds from me. I am filing a police report and lawsuit against HUNTINGTON BANK.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc (LA)

On XX/XX/24 I filed a dispute totaling {$420.00} & credits were posted same day! On XX/XX/24 I noticed more unauthorized transactions totaling {$320.00} so I filed another dispute! On XX/XX/24 the dispute was denied while on the phone waiting to speak to a supervisor! I opened the 1st rebuttal on XX/XX/24 but it wasn't documented until XX/XX/24 & denied a few days before the 10th day for the temporary credits! On XX/XX/24 I was placed into the hospital, same day I received my monthly payment and 2 days later my money was transferred into a account I don't know who this person is personally but she do work at the hospital! I've searched my phone location and the phone left the hospital and traveled to another city and stayed in that city for 2 days, so I filed another dispute in the amount of {$890.00} which was denied same day or next so I had to file a rebuttal! I've been out the hospital 5 days now without electricity due to not having the money to pay the bill! I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and haven't showered in 4 days! I've been calling all day on XX/XX/24 every hour to check the status of the credits and was given false hope even after explaining my situation! On XX/XX/24 was lied to by an csr about not being eligible for the temporary credits {$320.00}, supervisor also lied about making the credits available soon as we hung up, so I called back and was hung up on when I called the csr out on the lies she was telling me!! I didn't have to wait on XX/XX/24 for temporary credits of {$420.00} and was approved on XX/XX/24! Now it's 3 days shy of the 10th day for the temporary credits of {$320.00} & I'm having the hardest time getting the temporary credits that can be reversed at anytime to pay my bills! Now the dispute for {$890.00} I checked on maybe twice since opening it!! Now all calls have been about {$320.00} & because the 10th business day almost here they will deny the claim after being told I would receive them on XX/XX/24 & again on XX/XX/24 but I've still yet to receive it! Again I'm just getting out the hospital, no food due to everything spoiling and I'm XXXX! Enough is enough! I need my money & Chime is discriminating against me and I know it!!
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent in documentation for over two years to try to remove all unauthorized inquiries on my account I had no inquires on my report now I have over 20 due to identify theft and these inquires have not been removed yet
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (PA)

In late XXXX, I received a notice that New Rez did not receive my XXXX mortgage payment. I've had this account for over 20 years and never missed a payment. Payment comes from my online banking automatically. I log into my checking account and see the money was withdrawn. I contact my online bank and they email me proof of the check being sent and cashed and when it left my account. I called NewRez and also sent a secure email communication through my secure account with them. I attached proof of my having paid XXXX and figured they would correct this mistake right away and refund the late fees. That was XX/XX/XXXX. I get another notice this month that XXXX is late. I find out that in XXXX weeks, they have done nothing to fix this error. No communication, nothing. The cycle continues. I don't know why they keep cashing my checks recently and not crediting it to my account! Where does the money go? I'm continuing to rack up late fees. I received XXXX communication from NewRez since making multiple attempts at communication on XX/XX/XXXX. I contacted a phone rep on XX/XX/XXXX and an online chat rep, all who could not understand the issue. They kept thinking my bank sent the payment late. NO! They sent payment on time and NewRez is the ones with the problem. They take my money and put it who knows where. The XXXX rep I contacted seemed to understand this very simple issue and saw my email from XX/XX/XXXX. Yeah, NewRez did nothing with my email and evidence. They just keep charging late fees and taking my money. You would think they'd escalate this or fix this right away but the rep could do nothing than send a request for research.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a genuine concern regarding the inaccurate information on my credit report. My credit score is important to me as to anyone else 's. These inaccuracies are creating constant stress whenever I can not get approved for new credit due to the errors being reported on my credit report.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AZ)

My issue at hand is that Chase customer service has refused to allow me to reinstate my payment option for my Chase card. At the beginning of XXXX, I attempted to pay my Chase Amazon Credit Card with my XXXX XXXX bank account. I was in a different state at the time so my XXXX XXXX account flagged it at spam, which caused the Chase account to freeze that payment method and not allow me to use it. When I returned, I immediately unfroze my XXXX XXXX account but I could not use is as my payment account for Chase still. 

I called Chase customer service and they said that I needed to fill out a piece of paper that they would send me via mail after 7-10 days and get a letter from my XXXX XXXX XXXX stating the account was okay to use. The customer service rep said I needed to fax this back to them, and then wait 7-10 business days for my paperwork to be approved. I faxed all the necessary paperwork back at the local Chase branch at the beginning of XXXX. 

I called the customer service line again as my payment account was still inactive a week later. The said they had never received the paperwork. They asked me to now send them the paperwork over " secure message '', I said I no longer had the paperwork, could they email me another copy. They said they could not email me a copy and they had to mail me the paperwork, which would take another 10 business days. I asked to speak to a supervisor. The supervisor stated that despite not having the paperwork, he would go ahead and approve my payment method as he had all the necessary information to do so. He said I would have to wait 10 business days and then the payment method would work. 

I called back again this previous week, XX/XX/XXXX. The payment method still was not fixed. I talked to a supervisor and she told me they never tried to fix it after that previous conversation with a supervisor. She said that in order to resubmit, I would have to start the nearly month long process of waiting for the paperwork, getting a letter from the bank, sending the paperwork back in, and waiting for approval. After I had already done all this and they lost the paperwork. She said I should just cancel my card. I asked if I could speak to anyone higher regarding this issue and she said no. 

I have been dealing with this now for 3 months. I have no other way to pay this card other than driving into the chase bank every month and paying by cash advance. I am frustrated that I have been lied to and strung along by an incredibly ineffective process. I am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of this constant battle and just want to be able to pay my credit card.
Consumer complaint received 2019-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (CA)

In XX/XX/2019 I contacted XXXX XXXX a branch manager with Academy Mortgage in XXXX CA. I submitted an application and received a pre qualification letter. I went to submit an offer and was told something changed with my credit ... come to find out XXXX changed companies and ran my credit for a new application however I was never even told about his change or that my credit would be ran again and I never approved XXXX or the company he works for to run my credit. His assistant XXXX confirmed that she never received verbal or written authorization or a request to run my credit from me. XXXX now wants me to believe that these letters are only good for 90 days however that is not true as credit is not ran again until the closing of the loan and its not with a different lender. My credit was affected as it dropped 6 pts in addition to the 6 pts it dropped when Academy ran it. My information is protected and can not be shared with another company or Lender Nor can anyone other than me request my credit be ran for a loan.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION (WA)

According to FCRA section 605b it is illegal to report any information on my credit report without my permission.please remove this item from my credit report.thank you. 


XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nationstar Mortgage has refused to take my mortgage payments for several months and now they claim I am in foreclosure due to non payment but THEY have refused to take the payments. I have been making payments every month on time for several years and now suddenly they just refuse to accept my payments and started the foreclosure process. This is an investment property and they also have taken another investment property by means of dishonest tactics, claiming that the home was abandoned ; they twice sent a servicing company to break into the home and changed the locks and winterized it and caused damage to my home even though I was current with my mortgage payments. The second time the servicing company caused a lot more damage, I was in the process of doing some upgrades to the home and had installed a new water heater, stove, did remodeling and renovations but the servicing company pressurized the water line to the point that it ruptured the main water line and flooded the home and damaged the seals on the water heater. I had run out of funds to repair the damage that they caused so I decided to not continue making any payments due to their persistence on taking the home away from me. At the time I had a prospective tenant that wanted to move into the home but I did n't have the funds to continue fixing the damages caused by their servicing company so I decided to put the house up for sale but could not find any buyers due to the damage caused by NationStar 's servicing company. My other investment home located in XXXX, NV has quite a bit of equity and this is the home they refuse to take my payments and they want an outrageous amount of money to take it out of foreclosure due to their fraudulent tactics and refusal to accept my payments. They need to be investigated and taken out of business, both homes originated with XXXX XXXX XXXX loans and XXXX sold the loans to NationStar. They have been nothing but negligent in working with me. It is to their advantage to foreclose as they will gain financially.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I uploaded this to XXXX and Equifax, and this is still on my credit report as accurate according to their results. I have the pdf that states paid in full from the company. On my XXXX, it shows on my credit report and has a {$0.00} balance owed.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

The following information is incorrect on my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

unfortunately, I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

according to the fair credit reporting act 15 usc 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 usc 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public personal information. " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not my written consent. I would like all of the collection accounts in my name removed from said agencies
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Im in the military while I was XXXX there were many fraudulent charges done on the account. Coming from XXXX XXXX XXXXXXXX. Ive been calling but nothing has been done. On XX/XX/XXXX they coded the account stating I was not responsible enough. This wrong.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-01-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (CA)

On XXXX XXXX, 2016, I requested a refund of my prepaid card 's balance since I had issues using it at a merchant. The customer service agent said I should receive a paper check for {$200.00} in 10 business days. 

On XXXX XXXX, 13 business days ( excluding the holiday ) later, I still have not received the refund check. Upon calling customer service, they said it may take up to 30 business days. The discrepancy between the original call on XXXX XXXX to what I was told on XXXX XXXX is alarming and give me great concern as to when I should expect to receive the check. It is a XXXX Prepaid Visa Gift Card, " distributed and serviced by Blackhawk Network, California, Inc '' ; according to the back of the prepaid card.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Reporting of illegal lates per U S Code 1666B and U S Code 1681B. I've requested on several occassions that these accounts be removed immediately or updated to paid as agreed. They're also in violation of. U S Code 6801 Protection of non public personal.