davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I transferred money from my checking to savings and then I couldn't transfer it back. I've called the bank repeatedly over the past week and all they would say is that my account is under review. Today a customer service representative told me that there was a hols on the account for a suspicious deposit. But there was no deposit. They won't give me access or release the funds in my savings account.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I mailed a check made payable to XXXX XXXX XXXX XXXX Collector in the amount of {$3800.00}. When I notice the check had not cleared my account I got worried that my taxes were not going to be paid on time so on XX/XX/XXXX I paid the property taxes online. On XX/XX/XXXX I checked my account and saw the check I wrote back on XX/XX/XXXX had cleared my account along with the electronic payment. I sent XXXX XXXX XXXX XXXX Collector an email asking them to please credit my XXXX installment of taxes since I paid twice ( by check and electronically ). I called XXXX XXXX XXXX XXXX XXXXr on XX/XX/XXXX and the person I spoke to said the only payment they received was the electronic payment. I said how is that possible, my account shows the check I mailed to you was cashed. He asked me if the back of the check had a stamp with XXXX XXXX XXXX Collector. He said if it did not then fraud had been committed and to contact my bank. I immediately contacted Wells Fargo and they filed a fraud claim. They closed out my old account and gave me a new one. On XX/XX/XXXX I walked into the Wells Fargo XXXX and ask what was going on with my fraud case and they said a fraud form had been mailed out to me which I never received. I ended up going into the closest Wells Fargo branch to fill out the fraud form which they needed to contact the Fraud Department for the form. I was told by Wells Fargo XXXX XXXX  XXXX XXXX negotiated the item and on the back of the check was signed by some XXXX XXXX. Wells Fargo has told me that XXXX  XXXX XXXX has up to 120 days to reply to my claim. It is now 84 days since I reported the fraud and I still do not have MY money back in my account.
Consumer complaint received 2024-05-11
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: Exeter Finance, LLC. (GA)

I have contacted exter finance since XX/XX/2024 when I discovered an account in my name with their company and at the time of incident I was serving a prison term. I sent letter on XX/XX/2024 after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my jail sentence is included in attachments 15 U.S.C. 1681, ET SEQ.

FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.
Consumer complaint received 2023-12-17
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. (MA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

EdFinancial shows my payment due of {$200.00} and {$16.00}. I am on the Income Based Repayment ( IBR ) Plan. According to Studentaid.gov my monthly repayment amount should be {$0.00}. According to the Edfinancial representative I spoke to over the phone it should be {$0.00}. 

I resubmitted my IBR application through Studentaid.gov on XX/XX/XXXX, and that Edfinancial processed my application. The amount owed still shows {$200.00} and {$16.00}, due XX/XX/XXXX My XXXX for XXXX was {$12000.00} My discretionary income, using the IBR formula is {$0.00}. Based on this, my amount due should be {$0.00}.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-26
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. (CA)

After a previous dispute investigation, XXXX XXXX found that this account was incomplete/inaccurate and then deleted. However, XXXX XXXX only reported this result to XXXX and not the other consumer reporting agencies violating FCRA that states If the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I request bad information be removed from My Transunion Account several times this Year ( XXXX  ) from about XXXX all the way time XXXX and it stopped me from getting a apartment and Buying a Home.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (NJ)

In late XXXX of this year I called The Receivable Management to discuss my debt. I explained that I had switched insurance companies and didnt feel that I owed this debt. However, I wanted it off my credit and wanted to know what was the best offer. At the time the debt was {$440.00} and they offered me a settlement of 20 % off. I took the settlement and agreed to pay {$350.00}. Ever since then they have reported me with a balance of {$89.00}. I called the company twice and both times was told that the person who originally took my payment didnt enter the settlement offer in correctly, but that it was in their notes that I was given an offer and took it. I was told on both occasions that they would fix this issue and report it correctly to the credit bureaus. To date it has not been fixed and this is taking a toll on my credit and how I am trying to fix my life.
Consumer complaint received 2023-09-18
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: AUTOMOTIVE CREDIT CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023, I tried to apply for XXXX XXXX and they denied me due to a freeze on my TransUnion account ( please see document ). I logged into my account on TransUnion and there was no freeze reported on TransUnion 's website. On XX/XX/2023, I tried to apply to XXXX credit but my application was denied due to XXXX citing that there was a credit freeze on my TransUnion account ( see image ). After investigating to clarify the issue, I chatted with an online customer service representative from TransUnion who assured me there was not a freeze on my account ( see images ). I then chatted with a XXXX customer service representative and they reiterated that my application was not processed to due the TransUnion freeze. TransUnion is being incredibly unhelpful and isn't investigating into the issue further or escalating the issue. I asked the customer service rep to escalate the issue for me and they said they wouldn't ( see images ). Because of this " freeze '' I'm not able to apply for credit or loans as long as this freeze is in place, and I have now been denied application to XXXX loaners because of this " freeze. ''
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (MI)

I booked a ticket to fly with XXXX while I was traveling. When the time came to check into the flight, the airline demanded that I pay {$5.00} extra to check in, even though this was not spelled out anywhere in the terms of service nor did anybody else in my party have to pay to check in, but they seemed to require it in my case for whatever reason. 

I disputed this charge and sent a letter explaining what happened to the credit card company and they promptly found in favor of the merchant and declined to explain why. They say that I have to try and talk to a supervisor and they have attempted to connect me three times but it has disconnected every single time.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (FL)

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 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank failed to notify me of a large number of fraudulent debit card transactions totaling approx. {$2000.00} ( XXXX XXXX XX/XX/2023 ). This was a student account. They were notified, at opening, that this account was a dedicated repository for college funds. The fraudulent activity was extremely different from my usual transactions. I have had several issues managing my account using their recommended app. Though I had push alerts set up in the app, they vanished, unbeknownst to me. 
Once I discovered the fraudulent activity, I notified the bank. I ordered a new debit card and closed the compromised account. The bank opened up an investigation, but never put the required provisional funds in during this period. The bank did conclude and denied my claim. I am still awaiting paperwork several weeks later that detail results and findings of their investigation.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (GA)

My name is XXXX XXXX, I need to write a complaint against regions bank for allowing my account to be overdrawn due to a fraudulent transaction. Someone used my account information to purchase from a store called XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX est, I have never shopped there before so I was confused as to why Im being charged XXXX for a transaction that was never authorized. I have tried to dispute this transaction but was told there's nothing they can do until it posts. Which makes no sense to allow since its not an authorized transaction to begin with. I feel like my account was hacked due to a security breach at this bank and need to file a complaint to get help.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (OH)

The number on the card is 12 and any where you try to use it it says the number is not complete. They put a phone number on the card yet you dont get anyone to talk too. I feel like is a scam. Please help me get my money back.Thanks
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

On Saturday XX/XX/24 at XXXX XXXX time, I received a text message from XXXX Your Chase card needs attention. Please go to chase.com or call XXXX. Reply STOP to opt out of text msgs to this number. 
Unbeknownst to me this was a fraudulent Tex. Unfortunately, I clicked on the phone number and spoke to someone who asked for the last four digits of my social security number, which I gave. The man kept pushing, wanting {$550.00} in payment. So I ended the call.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2013, I walked into Chase Bank XXXX XXXX in XXXX, Ohio. I met with XXXX a personal banker and told him I was interested in changing banks because XXXX XXXX had charge me a {$10.00}. Fee that I shouldnt have been charged. 
XXXX offered me a Veterans Checking account, He stated you get free checking, Free checks and a free safety deposit box. All for being a Veteran I agreed and have been a Chase customer for more than 10 years. 

After 10 years and 1 day XXXX Chase took {$53.00} out of my checking account without my consent for my safety deposit Box, without notifying me. 

On XXXX after returning from vacation I called Chase customer support and was told to go to the Branch Office. 
I then went to Chase Bank XXXX XXXX in XXXX Ohio and was told that they changed the policy. I told them I wanted to cancel the safety deposit box and i was advised they werent going to refund my money. 


On XXXX @ XXXX XXXX  I received a call from Chase XXXX and the female on the line stated we changed the policy and your not getting a refund. 

I was NEVER notified about the change in policy and never agreed to pay or have money taken from my account.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on XXXX ), ( but identified differently on XXXX as account # : XXXX and differently on Transunion as account # : XXXX ) and also account number : XXXX ( as identified on XXXX ) ( but identified differently on XXXX as account # XXXX and differently on Transunion as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, XXXX, XXXX, and TRANSUNION whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX, and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.
Consumer complaint received 2023-07-06
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: MOHELA (TX)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-11
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: GOLDMAN SACHS BANK USA (FL)

Per cfpb complaint XXXX The account that was transferred from Marcus Goldman to XXXX XXXX XXXX XXXX was only temporarily updated as closed on XX/XX/2024 but was recently reopened on XX/XX/. I've filed XXXX disputes with XXXX, XXXX complaints with cfpb ; I've spoken to multiple XXXX and Goldman Sachs employees, including XXXX in XXXX 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/2024 the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying XXXX  monthly payments of {$390.00} but they have allowed both the Marcus Goldman and XXXX accounts to both report high balances on my XXXX credit report. As a consumer who pays my bills on time, this is affecting my credit score.
Consumer complaint received 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

On XX/XX/2024 I made a payment at XXXX XXXX XXXXXXXX for my mortage payment with PennyMac Mortgage. This payment was returned unpaid from my financial institution because it was processed that same day and my direct deposit posted at midnight that day. When I was notified of this from my financial institution for Non Sufficient funds fee, I went into the PennyMac website on XXXX process the payment again, not knowing that PennyMac will be presenting the original payment a second time. 

I contacted Customer Service to have this second payment cancelled on Saturday XX/XX/2024 within minutes of submitting this payment. I was told it could not be cancelled nor modified to a future date. I explained other financial institutions allow a change/cancellation as long as done before a specific cut off time, especially if this duplicate payment is made on non-banking day, in this case, a Saturday. PennyMac 's inability to modify this payment will add another fee to my primary XXXX institution when the duplicate payment is presented. Even though they offered to review my account for a reimbursement if and when the fee is applied, this issue should be fixed.