davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC (OH)

XX/XX/XXXX I reached out to Etrade for being unable to log into my accounts. I had a bank account and two brokerage accounts. During this phone call ( 2 hours long with an agent ) I updated my phone number my mailing address, we did a conference call with an old bank account of mine and at the end of the call I verified my information and was able to access my account. So I proceeded to initiate a transfer of money from my XXXX account. Towards the end of the call the agent asks me to clear up any unwanted or closed accounts attached to my brokerage account. And he read me the account ending in numbers as well as the institution, and with all the information I gave him and what he had on his screen he proceeds to ask if i wanted to remove an account ending with numbers i didn't recognize as he also stated that it seemed like a duplicate of my wells fargo account so I agreed to remove it. Then he tells me he removed all my accounts except one which was a go 2 account through XXXX XXXX. He removed my XXXX account which my transfer was coming from and said he couldn't undo it that he was sorry. So today I get 4 pieces of mail dated XX/XX/2023 stating all my accounts were closed due to what they said they determined my personal information may have been used fraudulently to open my accounts, so they closed all of them. After verifying everything 2 days prior and with no emails or text messages. Here it is XX/XX/2023 and they took this action on the XXXX. When I called them today the agent i spoke to said it was due to possible identity theft.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I hope this letter finds you well. I am writing to address a longstanding issue that has significantly impacted my financial standing and has caused considerable distress. In XXXX, I experienced the sudden and unilateral closure of my personal checking account and all associated credit cards with Chase Bank. Unfortunately, I was never provided with a reasonable explanation for this decision, leaving me bewildered and without access to my banking services. 

Now, in XXXX, as I attempted to open a new account at XXXX of the Chase Bank branches, I was informed that my profile has been negatively marked, preventing me from opening a new account. The branch staff advised me to contact the Chase Compliance Department to obtain further information and clarity on the matter. 

In my pursuit of understanding and rectifying this issue, I promptly contacted the provided number for the Chase Compliance Department. However, to my dismay, the response I received mirrored the situation in XXXX. I was informed that they were unable to disclose any information and that I must navigate through this frustrating situation without being given an opportunity to present my side of the story or understand the grounds for the negative marking on my profile. 

This lack of transparency and denial of information not only impedes my ability to resolve the issue but also denies me the basic right to open an account with Chase Bank. I believe it is within my rights as a customer to be informed about the circumstances leading to the closure of my previous account and the subsequent negative marking on my profile. I am eager to address any concerns or rectify any issues that may have contributed to this situation. 

I kindly request that you review my case thoroughly, provide me with detailed information regarding the negative mark on my profile, and afford me the opportunity to present any necessary documentation or explanations to rectify the situation. I am committed to resolving any issues that may exist and would appreciate your assistance in ensuring a fair and just resolution to this matter. 

Thank you for your prompt attention to this issue. I look forward to receiving the necessary information and working towards a resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

BMO was supposed to credit my business checking account a {$500.00} bonus but they only credited me {$300.00}. On XX/XX/2023 they credited my checking account {$300.00} when it was supposed to be {$500.00}. Here were the terms of the offer which I have fulfilled. I deposited over {$10000.00} and made 10 debit card transactions. I was on the phone with BMO customer service for over 1 hour and they keep giving me the run around. I have had enough with this bank and their games. 

{$500.00} Business Advantage Checking bonus : Deposit at least {$10000.00} within 30 days of account opening. 
Once your balance reaches {$10000.00}, your balance can not drop below {$5000.00} for the next 90 days. 
Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive disputed these accounts to XXXX, Transunion XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.
Consumer complaint received 2023-04-20
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. (LA)

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 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 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX XXXX, 2016, I made a {$6700.00} Principle and Interest payment to Nationstar Mortgage. The employees of Nationstar Mortgage confirmed on this date, my payment would go directly to Principle and Interest and make my mortgage payment due for XXXX XXXX, 2016. Nationstar Employees also told me starting in XXXX 2016 my payments would now include escrow with any and all past due escrow to be spread out over 60 months. ( Audio recordings confirm these conversations ) Nationstar Mortgage applied my {$6700.00} incorrectly. Instead of the full payment being applied to Principle and Interest as I was told would happen, {$2400.00} went to escrow and {$1900.00} into a " unapplied funds '' account. 

Throughout the month of XXXX, I have talked to several employees at Nationstar Mortgage who have told me they would get this resolved and have all of my XXXX XXXX, 2016 payment applied to Principle and Interest and have the escrow begin in XXXX 2016 as I was told. None of this has happened. 

I am asking for help in having Nationstar Mortgage correct their error and apply my XXXX XXXX, 2016 payment of {$6700.00} to Principle and Interest with escrow beginning in XXXX, 2016 with any past due escrow spread out over 60 months, as I was told. I am also asking for help in having Nationstar Mortgage correct my credit report to reflect that I am current and not delinquent in my payments. 

thank you!
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

On XX/XX/year> I deposited a cashiers Check made out to me from XXXXXXXX XXXX  where PNC put a 5 day hold on those funds. On XX/XX/year> after the hold was off the funds I did a wire transfer and on XX/XX/year> all my funds were gone from my 3 savings account with PNC. 
When I did a chat with PNC was told they extend the hold no information was given on why or when the hold would be removed. 

When I called PNC customer support on XX/XX/year> again was not given a reason why the hold was placed or when the hold would would be taken off. 
On XX/XX/year> I called the branch I mainly used and was again was not given a reason why the hold was placed or when the hold would would be taken off.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I switched to a new XXXX and transferred all of my XXXX XXXX cards to the new XXXX. All of them transferred successfully, except my credit cards from Citi Bank, which were immediately flagged as " fraud '' and frozen, so I could no longer use them. This is the fifth time in five years that I have had this problem. It occurs every time I switch phones or get a new XXXX XXXX and every time I have to call to resolve it. 

On the same day at XXXX EST, I called Citi Bank to try and cancel my account because I did not want to deal with these issues anymore. Citi informed me that they would not close my account until they verified my identity and the only way to do so was to send me a text, but that it could NOT be to my phone number, the number I have had on file since first opening my account with them, and for over 15 years. They further said that I could provide " any '' phone number and they could send a text to it to validate my identity. I do not have another phone number. 

The agent escalated to a supervisor who repeated it and said they would send me a letter before saying " Okay goodbye '' and disconnecting the call. 

I called back on that same day at XXXX EST. The agent again refused to close my account or take any action whatsoever because they could not send me a text.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NC)

XXXX sent an account to collections. Then the account went to a collection agency. I called XXXX to settle the account and XXXX told me to call the collection agency- XXXX   XXXX. I called XXXX XXXX and a representative told me that they no longer had the account and to call XXXX back. I then called XXXX to verify address. I mailed a settlement letter to XXXX on XX/XX/XXXX, in which XXXX accepted the {$550.00} & terms on XX/XX/XXXX. I have the letter and the cashed check from XXXX. The new collection agency is Diversified. Since XXXX accepted the terms in the Settlement letter - I no longer owe XXXX or any collection agency any money. If XXXX did not accept the terms of the settlement then they should not have cashed my check.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Payments are always made before the due date. Payments are made on theXXXX due date is the XXXX. A late fee of approx {$41.00} is attached to the account every month. As well as they added interests was added onto the account without notification. This has happened more than once on my account. I know other people that this is happening to as well on a monthly basis. Also when I applied it was supposed to be a fixed loan and found out after signing that it is a variable loan. The payment has always been on time and they upped the payment without notice or giving an explanation as to why they did. Any contact is always an arguments.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (ND)

I current have a money market account with Citizens Bank. I realized I am not contributing to it anymore and it was becoming negative. I called them and asked them to close it. They said I need to pay the balance. I paid the negative balance and the account became positive with enough money for them to take care of the statement fee. However, they refuse to close the account. Now, they are charging me maintenance fee and statement fees. I called them and they want me to pay the negative balance again. That is not fair and I am the Government to take a look into this matter as tax payer.
Consumer complaint received 2023-08-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc. (CA)

Hi, my name is XXXX XXXX and I live in XXXX XXXX XXXX, California. I am having an issue with my financial institution. They will not refund a fraudulent transaction because they jumped to conclusions and assumed the transaction was made with my XXXX XXXX account and it was not. I was able to prove this as well. I can even show you the conversation I am currently having with one of their representatives. He even stated he would help me if it was up to him and that they should have asked for the proof before making their decision. But they are still refusing to refund my account. I wasnt sure if youre the right department I should talk to. I just did a web search of who regulates financial transactions. If you are not the right department can you please tell me who is? Any help you can provide will be greatly appreciated. 


This happened on XX/XX/year> for {$53.00}
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of 2023 to the credit bureau for our XX/XX/2023 mortgage payment to XXXX XXXX XXXX XXXX XXXX. 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the XXXX payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs. 

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts. 

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of 2023 credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.
Consumer complaint received 2018-05-15
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: Experian Information Solutions Inc. (TX)

XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.
Consumer complaint received 2023-09-02
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: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-05-15
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. (TX)

XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Auto Credit of Virginia Inc. (WA)

As per Complaint XXXX. I Informed them to stop all communications in regards to a debt that does not belong to me. And yet, they sent another email threatening legal action if the debt is not paid. I have never received anything to confirm that this debt was mine in the first place, and years ago They used the same scare tactics and threats to get me to sign something I did not believe belong to me. Nothing to confirm my signature agreeing to the said " XXXX XXXX ''. There was no contact in 2020 for them to close out the account and start a new one. Please see screenshots that show they still have the account listed as a car loan on my credit.
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

I do not have any business, agreements, contracts, or any legal bindings with this company. I have never provided this company with any application or personal information. The company 's response states the application was completed as XXXX XXXX, which is false and incorrect. Please furnish the wet ink for my application.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.