davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I had a joint variable CD with United Services Automobile Association ( USAA ) bank that I shared with my spouse for the amount of {$2200.00}. 

My spouse withdrew the full amount of {$2200.00} on XX/XX/XXXX of XXXX  at around XXXX hours. 

My Spouse transferred {$2000.00} to our Joint Savings account at around XXXX hours. 

I attempted to transfer {$2000.00} back into the CD but received an error message on my USAA banking app at around XXXX hours. 

The money was no longer in my savings account nor in the CD. Therefore, I waited XXXX hours to see if the it would transfer over night. 

On XXXX XXXX I did not see the funds in either account, so I contacted USAA and spoke to a representative who stated to wait an additional business day to let the system sort itself out. 

I waited XXXX ( XXXX ) days and still did not see my funds and I contacted USAA to inform them as such. The Representative submitted a claim/ dispute and told me to wait XXXX hours after the Representative agreed that the funds cant be found. 

On XX/XX/XXXX the investigation was completed and it was stated that the funds was credited back into my savings account but it was not. The investigation mistaken the {$2000.00} that was transferred by my wife to our joint account on XX/XX/XXXX as a credit. 

I contacted USAA and the representative that had me on hold for XXXX ( XXXX ) hours stated she saw the error and is submitting an additional claim/ dispute for the investigation. I then spoke to a XXXX of that representative who stated that I might not get approved to receive the funds back into my account.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (GA)

I have been trying to close my checking account since XX/XX/2023. I have messaged twice and was told it had to be done by call. I have called XXXX times and was told it would be closed. Yet here we are and its still open.
Consumer complaint received 2023-11-17
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

My federal student loans through XXXX were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (OH)

On XXXX wrote a check for sons wedding reception dinner. Vendor cashed it XX/XX/XXXX and Ally decided not honor it on XX/XX/XXXX. Had I not been reviewing my account I would never had known. No phone calls, no emails, no communication whatsoever. The reason given was that I have sloppy writing and they thought the check was post dated XXXX. I guess if you stretch it was messy, but who post dates a check for XXXX? Really? I also think there an accessibility component to this. XXXX with some XXXX, sure might be a bit hard to read, but why wouldn't they call, especially on such a large amount. I could almost see if it was a {$30.00} check. All I really asked Ally to do was to offer to cover vendor expenses from their poor judgement. Nope, Every agent ( except XXXX, he was wonderful ) said I am to blame. I spoke to a Chat agent and a supervisor XXXX ( Agent # XXXX  ). No help. they could expedite a check for {$15.00}. Awfully not nice of them. I would think there would be some protections around this.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CO)

On XX/XX/2022 I sent a debt validation letter by certified mail which was received by the debt collector on XX/XX/2022, according to XXXX certified tracking information. It is now XX/XX/2022 and I have not received any debt validation information.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

I recently requested my tenant screening report which was provided from XXXX ON XX/XX/XXXX. I requested my report due to an adverse letter sent to me by XXXX on XX/XX/XXXX including false information that is listed on my credit report with " Experian XXXX '' which is different from the regular Experian ( which does not list this information, or XXXX or XXXX ). The letter states that I have lived somewhere that I have not lived since XXXX, and also stated that I owed debts. I have no knowledge of any debts written or verbal, and I have been living at my current residence during the time that they are showing on their report which reflects XXXX and XXXX. I'm not sure where they have generated this information but it is not correct. They have also shown in the report that the lease term from that property reflects start Date/move in : XX/XX/XXXX and end date : XX/XX/XXXX and move out date XX/XX/XXXX ( Although the debt does not belong to me, but based on the false information that is noted in the report, I also noticed that they did not include the clause/statement reflecting information showing the protections under the Federal CARES Act, rental assistance, ect. ). This negligence has caused a strenuous delay in my moving with my small kids as a single mother on short notice and undue distress. My integrity calls for lawful and moral convictions to settle anything that might harm another or hinder my own life with my children. This has greatly affected me and my kids, and as per my rental and payment history, I always pay on time and gracefully without any missed payments reflecting even the payments paid in advance.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Reported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXXXXXX XXXX XXXXXXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list four of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (PA)

XXXX XXXX via XXXX sent information to a residence I have not occupied in 3 years in XXXX XXXX XXXX, XXXX, PA XXXX. 

I occupy a different residence of which has already been sold and now moving at XXXX XXXX XXXX, XXXX, PA XXXX. 

This debt also was my ex boyfriend who fraudulently used my credentials to get the XXXX XXXX, I was willing to pay the debt though, even though it was not mine it was XXXX XXXX who occupied the residence at XXXX XXXX XXXX at the time I left several years ago. He may still reside here but he is an ex for a reason and I do not speak to him anymore.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I paid my Citicard XXXX XXXX before my payment was due on XX/XX/23 via online ( my payment due date is on the XXXX of every month ). I requested for Citibank to close my account on the same day ( XX/XX/23 ). The very next day, I paid off my entire balance on XX/XX/23. 

Today, I received a notification of my statement and noticed that they charged me interest on XX/XX/23. When I contacted customer service, they claimed I missed a payment or that it was late! On my statement, it clearly shows that I paid on time and didn't miss my payment. 

Then the representative claimed I missed or was late w/my payment in XXXX. I had this card for 4 years, and I've never missed or was late with any of my payments!
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I have applied for a Discover credit card multiple times over the past several months, and each time my application has been denied. I have not received any clear explanation from Discover regarding the reasons for the denials. These denials have occurred despite my having a good credit score and a stable financial history.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

XXXX. XXXX I have submitted my XXXX ( XXXX ) application to the federal student aid XXXX. Get note that I am transferred to Nelnet XXXX. I call Nelnet in XXXX XXXX times waiting for XXXX to no avail XXXX. Emailed them in XXXX about my issue of not having my account reflect the new payment plan XXXX. Get advised to pay {$5.00} XXXX  to exit my current plan to a new one and it still was not reflected XXXX. Call again XX/XX/17 and finally receive human contact XXXX hr in. 

Essentially, the struggle to get any answers from this company at this scale is quite embarrassing and should be illegal.
Consumer complaint received 2023-09-11
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. (NE)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (FL)

I received notice from XXXX that a new credit card had been opened in my name the 1st week of XXXX. I had not applied for any new credit cards. Upon reviewing my account, I learned that a 0 % interest retail loan that existed with the company called Fortiva with a remaining balance in the amount of {$1600.00} had been transferred to a Fortiva Credit Card with a purchase interest rate of 25.99 %. The transfer was made at the existing 0 % interest rate. The Total Credit Line of the Retail Loan was {$4000.00}. The Total Credit Line of the Credit card was reduced to {$2000.00}. 
Fortiva is issued by the XXXX XXXX XXXX. 
This transfer occurred because I had not OPTED OUT of this change of terms. The notification to OPT OUT was delivered by email and had a limited time frame within which I would have to OPT OUT. I never read this email. When I called the company I spoke with the consumer representative and her supervisor. Both reiterated that the fault was MINE due to my having not read the company generated email and OPTED OUT! 

Why am I complaining? 

Deceptive marketing tactics. The previous Retail Loan was setup with a monthly auto-deduct payment requiring no real time oversight on my part. Had I been required to OPT IN, I would have declined as I do not need or want another credit card. If I had a medical issue that prevented me from managing my emails this would have occurred. Likely there are consumers that this has happened to. 
The Fortiva representatives call this action an Upgrade. It is NOT! It has decreased my total credit line and dinged my credit score by creating a new credit card liability that I did not ask for and do not want.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

At the end of XXXX, ( XX/XX/XXXX ) in good faith, a CHASE FREEDOM card was applied for. On XX/XX/XXXX, a denial letter was furnished electronically, which depicted the reasons for the denial as follows : Serious delinquency, public record, or collection item Balances on revolving accounts are too high compared to credit limits Proportion of loan balances to loan amounts is too high Too few accounts are currently paid as agreed Regardless of denial, I have a RIGHT to credit, and withholding access to my securities is securities fraud and a direct violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act, as I am the true originator of the credit and the creditor as defined in 15 USC 1602 ( g ). 

The reconsideration line was contacted ( XX/XX/XXXXXXXX  ), a series of questions ( income, taxable income, and questions about my credit report ) were asked and the same denial reason came back. 

The call was escalated to a mid-level manager ( Manager XXXX  ), who argued that the consumers are NOT the creditors. When asked which laws manager XXXX followed to determine that the consumers were not the creditors, she stated she followed Chase 's policies and by-laws. 

Chase, is bound and must follow laws of commerce, USC, SEC Exchange, etc., or there will be legal implications. 

Manager XXXX stated that it was okay and that she could do nothing else besides file a complaint. Another manager above her was requested but ( as of the complaint ), no contact was made. 

CHASE denied my application, and based on discriminatory and inaccurate information furnished on the " credit report '' obtained from XXXX and violated my consumer rights. A request was also made, if the credit is going to be denied to retract ALL information from the application to prevent fraudulent securitization, and that request was also denied. 

Based on the aforementioned, Chase has violated my consumer rights and is liable for the damages.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I had 3 disputes on my account over the last six months. I been going though hard times with my cards being lost and i was also XXXXXXXX XXXX XXXXXXXX XXXX and my things where stolen. So i cant help people used my cards n phone n stole my money. Chase wouldnt even give me a reason for why my account was closed. Which i find outrageous because i gave them my social and all my personal information I think i should know why my account was closed
Consumer complaint received 2023-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTSTAR MORTGAGE CORPORATION (OK)

I have several issues with Weststar Mortgage XXXX ) they changed the way company that does their autopay, I was not informed of this, although they swear they contacted me. I have been on autopay for 2 years and started getting letters that my mortgage was late. They never contacted me to do their administrative work yet are very timely when they want money. I tried calling for XXXX weeks at different times on different days. No one answered or I was sent to voice mail that was " full ''. After XXXX calls, all documented in my call log, I finally reached someone today and ended up speaking to " XXXX ''. She said that she was the " customer service manager ''. She refused to give me her full name. By this time I am frustrated and she was absolutely unprofessional, condescending, yelled at me and XXXX help. 

XXXX ) They are escrowing me approx. XXXX $ per month over and above my XXXX taxes and insurance. I asked to stop with the impounding, so I can pay the taxes and insurance myself and she stated " you will have to refinance to do that ''. Obviously I wont do that as the interest rates are 3 times higher now. Besides, I know that is not true as I have other properties that have recently stopped escrowing at my request. XXXX is no longer needed on the property and she refused to address this. 

The time I have spent on this has financially affected me. I do intend to file a complaint with the Attorney General in the state where they are headquartered and also the state where I reside. When I mentioned that I was going to file a complaint with you and the Attorney General, the response was, " Please do ''. I think the employees have forgotten who pays them. 

I hope this complaint falls into the hands of someone that will make a difference in the way this very shady mortgage company does business. I was told by them today that their poor reviews were from customers who didnt get their way. I am appalled.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TN)

On XX/XX/2023, XXXX sent a payment for {$160.00} to Aidvantage. Aidvantage claims to not have it. I opened a research request with XXXX and received confirmation that the payment was sent. Aidvantage claims they do not have it. 

When I call support to follow up, the wait times are 1hr 30min + and I can not get a hold of anyone to refund my payment.
Consumer complaint received 2023-10-03
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: OneMain Finance Corporation (SC)

These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX ONEMAIN XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (CT)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-20
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 (CA)

Dear CFPB Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies or engaged in any activity that would warrant a permanent limitation on my account. I have always used my account in accordance with the terms and conditions of PayPal, and I have never engaged in any fraudulent or unauthorized activity. 

Secondly, I believe that this limitation was placed on my account due to a misunderstanding or error on PayPal 's part. I have not received any communication from PayPal regarding the reason for the limitation, and I am not aware of any suspicious activity or violation of policies on my account. 

As a loyal customer of PayPal, I strongly believe that the limitation placed on my account is unjustified and is causing me undue hardship. I am unable to access my funds, make payments or receive payments, which has caused significant inconvenience and financial loss. 

Therefore, I kindly request that PayPal re-investigate my case and restore my account if possible. I am willing to provide any additional information or documentation that may be required to resolve this matter. 

Finally, I would like to confirm that the email address associated with my PayPal account is XXXX Thank you for your attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
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. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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