davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MN)

on XX/XX/XXXX I withdrew {$9000.00} from checking account but I received only {$8000.00}. The teller used the counting machine so I didnt question that it was correct. When I got home I counted the money and it was missing {$1000.00}. I went back to the bank and had them re-count it. Below are my attempts to resolve the issue. In short, I had been asking to speak to a manager and see if video had caught what the counting machine counted. Below are my notes regarding multiple attempts to resolve, or make any progress toward resolution Date of transaction $ XX/XX/XXXX - {$9000.00} Received only {$8000.00} XX/XX/XXXX - went in to bank noticed missing {$1000.00} Teller XXXX, long conversation. Teller avoiding my request to speak to a manager ( approx 20 min ) Finally said she would see if the video would show the counter machine I asked to have manager call me back regarding video XXXX XXXX, the teller called me back ( not a manger as requested. She said she viewed the video did not show counting machine XXXX I called corp customer service Rep was trying to put in a complaint about missing {$1000.00} Was on the phone for almost an hour Finally said she couldn't and that I needed to go to the branch and handle it there. 
She said she could and would file a complaint for the teller / customer service I asked that she have the bank manager call me. She agreed XX/XX/XXXX no call from the bank - or anyone I called corp customer service again - spoke with XXXX XXXX also could not file a complaint and said I need to work with branch Gave me branch managers name : XXXX XXXX- I am back in MN and stopped back in to branch - XXXX, the manager is not there. 

XX/XX/XXXX left message for XXXX XX/XX/XXXX - XXXX called me Listened to what I said had happened. Was apologetic Proceeded to tell me what a great employee XXXX the teller is and what a long history they have working together I again asked that the video be checked Now XXXX says she has to put a request in for that and it can take some time. And she is not sure if it is even available since it has been so long but would see what she could find and call me back note per above : XXXX the teller claimed she saw it and called me the next day ( XXXX ) XXXX - no call from XXXX the bank manger I called 3rd time to customer service Talked to XXXX for over an hour Was able to file a case XXXX Stated these are very difficult to file and the others probably didnt know how to do it This phone call was also about an hour long She said to expect 2-4 weeks for a response but that I would hear back and not to worry- apologized for all the delays XX/XX/XXXX no call from Huntington Investigated my options outside of the bank Small Claims court (? ) XXXX : Friend of our family who used to own a bank out XXXX. Recommend filing a complaint with XXXX XXXX XXXX XX/XX/XXXX : filed complaint
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Siwell Inc (TX)

Couple of months ago, I contacted XXXX about Capitol Mortgage Service Co. out of XXXX, TX because they were not reporting my payment history being made to all credit agencies. Then they report to ONE credit agency in XXXX and XXXX closed the case. They did not report since then nor to the other agencies. On XXXX and XXXX  agency it shows my last payment in XX/XX/2018, it is now XXXX On XXXX  is shows my last payment in XX/XX/2018. 
I contact Capitol Mortgage Services- -again and I was told " there is a process we have to use, we are doing the best we can '' - -at this point, I told her their " process '' needs to be reviewed and please update my payment history, it brings down my credit scores, I was told they are " working the process. '' All In the world I am asking is for them to keep my payment history updated. To ME, this is not a hard situation, but it seems that way with this company. I have never had a problem with mortgage companies NOT doing this before.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

XX/XX/XXXX and XX/XX/XXXX {$59.00} each I've called time multiple times they were supposed to put a stop to it and it's still getting took out every month I'm having to call and get it refunded this has been multiple times and we're just the two most recent it's from just XXXX and XXXX kids we have done canceled my card and got a new one I don't know how they're getting my card information something needs to get done about this
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My company deposited a check into my Bank of America account and the bank closed my account as soon as the check was deposited. I asked them why and they said it was their choice. I asked well how would I get my funds and they said a cashier check will be mailed once the account was closed. Instead of receiving my cashier check I received a letter that my funds will be held until further investigation. I remind you while the account was closing the check was on hold for more than 10 days starting from XX/XX/2022 until XX/XX/2022. Within that timeframe they should have done their investigation. The check cleared and they are still holding my funds. So then I called and asked to speak to a supervisor and they escalated the issue and still no response on why they are holding my funds. I asked what can I do to help with this because they check cleared. I think this is XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (FL)

This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I made 2 transactions with my chime account. I transferred XXXX from my XXXX account and I went to XXXX and added XXXX after that. I put the money on the card to pay for my utilities and the only reason I didn't do it immediately was because I needed to add another XXXX for the fee. My notifications said my email address was updated and next one said the phone number on my account was updated. This was at XXXX. I checked my phone and tried to access my account but I was unable to because all my info had been changed. I called chime immediately and I was on the phone with different agents for the rest of the night and I was just told to change my email address and phone number on the account but the card was still active. I sent them everything they requested from me and I still haven't received anything in regards to a resolution, they have not deactivated my account or card and they have failed to update the email address i gave as an alternative so I still can't access the account to see what transactions were made, i called twice since to have them correct the email address and they have not. Instead I am being treated like i am personally being investigated. There has been no response to refunding my money, and I have been receiving texts from the same people who have stolen my money and account info. They are saying that I authorized the transfer. If I had, I would not have changed my info before I allowed money to be transferred from the account. I feel like I'm being treated like this criminal while they continue to access my info, and now texting me and asking me to send my access code. I have spoken with my family and friends and those who have had any problems such as mine all said either they were notified about the activity and they all had the funds returned within a few days and without the extra that they should have used to protect my account instead of making me feel like I did something wrong.
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

When I signed up for XXXX XXXX I signed up for only 6 months to help my cousin that worked for the company at the time. I was then contacted by another representative to verify everything including membership and I made sure that I made it very clear that I only wanted 6 months of insurance for my truck because once the 6 months were up, I was being added to my husband 's insurance. Once the 6 months were up, I received a call from XXXX asking me if I wanted to do another 6 months or 1 year with the company and how expensive it was. I declined immediately! I kept my roadside assistance but the insurance was done after 6 months. I never signed up to have car insurance with XXXX for an year. So they kept threatening me to put it on my credit like it was a credit card or like I used services that I never used. I've paid for the 6 months of insurance I had and that was it. They are definitely coming after me fraudulently for a balance that I do not owe on top of adding extra charges to the original amount. I'm not responsible for whatever the representative messed up on. Please do remove this from my report please. Thank you
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX, Ally Bank advertised on the internet with a promotion if a customer open a saving account with Ally Bank and the fund stay there until XX/XX/XXXX Ally Bank will pay 1 % Bonus for the funds moved in there and will get paid 1 % of the fund in the account. So I moved {$50000.00} from XXXX on XX/XX/XXXX and the fund stayed there until XXXX.They do not pay me ( {$500.00} ) as promised. When I called them on XX/XX/XXXX to ask them how come I still have not received my bonus they said it is not new money because I moved the money from Ally saving ( ending in XXXX ) to XXXX and then invest in the getpaid account ( ending in XXXX ). Once the money is in XXXX it is new money. They try to rip me off and not pay me as advertised. This is scam. I am really XXXX and need help. If the do not pay me as promised I will broadcast my experience in the internet and they will lose a lot of business.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OK)

On XXXX XXXX, XXXX, I tried to access my credit card information through the online system. I was not able to access my account with my current password and username. In addition, a new feature appeared on the website requiring me to fulfil a two-factor authentication. I called the credit card company that day, and I spoke with a customer rep who informed me that many people are having problems accessing their accounts online. I was informed a new IT update had been installed and was not allowing customers to log in with current passwords and usernames. I also informed this person that when prompted to enter a two-factor authentication, which provided a code to my email on file, was never delivered. At that time, I was told to check all spam areas, but there was not code sent to my email on file. I was told that an IT person would contact me on a specific date, which did not happen. I did receive a call on XX/XX/XXXX ( 6 days later ) regarding this issue. This customer rep left a message and I called back. I informed this person of the issues I was having and was instructed to use a different browser to log in, which I did while I had this individual on the phone. No browser allowed me to login to my account with current password or username. I was told that my government email might be the issue ; however, I told the rep that I have never had issues not receiving emails with my government email account. And, on XX/XX/XXXX, I received a marketing email from the credit card company. I was told that an issue ticket was created on behalf detailing the problem and issue would be resolved. As of today XX/XX/2022, I still can not access my XXXX  XXXX  credit card account online and no one has called to discuss this issue.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXXXXXX XXXX Important dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - vehicle turned in via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX XXXX debt owed and that I had turned in the car to XXXX XXXX Have XXXX XXXX XXXX XXXX this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXXXXXX XXXX XXXX XXXXXXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take XXXX XXXX to deliver XXXX - reach out to head XXXX XXXX who has yet to respond
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WI)

TRUIST BANK XXXX XXXX XXXX XXXX, VA XXXX XXXX Charge us with a {$15.00} fee for a wire transfer to return funds to us.They took over 14 days to return our funds so they chose to wire the funds back to our account. They never told us there was a charge. They said they did not know of the fee. Truist charge our bank with the fee hence our bank charge us. 



Truist bank is the most unefficient bank I have ever dealt with in every aspect.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (NY)

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 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

The morning of the sheriff 's sale I had gone in and given a matcheck that was more than I was behind on I have a signed receipt of that. It was XXXXXXXX XXXX XXXX XXXX  and I don't think the house went to auction until afternoon but yet they still sold it.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (FL)

During the XXXX pandemic I was unable to work due to my employer laid off staff and closed due to quarantine, therefore I was late making auto loan payments for an extended period of time during same pandemic. I explained same to my lender who advised me that the matter will be noted. I reviewed my credit report today and found that same auto lender reported my auto loan late for the months of XXXX and XX/XX/XXXX and for the full year of XXXX XX/XX/XXXX up until XX/XX/XXXX. It should be noted that my account was NEVER late before and after the pandemic. My account was late due to a XXXX XXXX in which I or the World had no control over therefore I shouldn't be held liable for same unforeseen events.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (VA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

Dear USAA, As a 50 year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and Mine in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either one of my mother 's or my accounts. I have called approximately 25 times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately one hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about 75 minutes. Two weeks ago on XXXX the call was probably 90 minutes and the call on XXXX was over two hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a Trust to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on one or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am XXXX XXXX with USAA 's incompetence.