davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

DEPOSITED Life Ins proceeds check from XXXX XXXX XXXX. COMPANY- thru atm XX/XX/XXXX. MY MOTHER DIED. No immediate credit of {$300.00}. XXXX FUNDS avail and then a 10+ day HOLD PLACED ON THE CHECK drawn on XXXX  XXXX. AGAIN LIFE INS PROCEED CHECK - my mother XXXX XXXX - passed away. I went into the branch XX/XX/XXXX, MGR at XXXX, stated next time bring the check inside and we can review/override the hold for you. I would but this branch has gone to skeleton staff, no drivethru service- are they closing this one too? I closed my mother 's acct XXXX XXXX while I was in the branch and provided death certificate as well. I also deposited XX/XX/XXXX {$4300.00} other insurance check from XXXX XXXX and had no issue. I also have Multiple accounts with BOA, retired from BOA, and have done business with since XXXX. I called Sat, spoke to XXXX and her supv XXXX ( XXXX ) XXXX in XXXX XXXXgot now where and no explanation for the EXTENDED HOLD TIME. ( both reps just DIDNT seem to CARE ). I was told call back Tues when we have image of the ch uploaded. I called again the morning and spoke to multiple reps again. XXXX in AZ and some female, neither would give me reason for hold stated confidential? I AM THE CUSTOMER AND HAVE RIGHT TO KNOW WHY MY CHECK IS BEING HELD!!!! THIS IS NOT A GAME>>> REP. Hinted at everything from fraudulent check, to oh it may be returned by the company? Reminded them this is a reputable Company XXXX XXXXXXXX XXXX . Refused to remove hold and major issue REFUSED TO TELL ME WHY THE HOLD WAS THERE. I DEFINATELY believe they are USING CURTOMERS FUNDS FOR OTHER PURPOSES- HOLDING OUR MONEY FOR THEIR GAIN. I offered to send letter from Insurance proceed ck etc. DIDNT CARE and offered not help at all.
Consumer complaint received 2023-01-13
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries Capital One date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX XXXX XXXX  date of inquiry ( XX/XX/XXXX ) XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX Service date of inquiry ( XX/XX/XXXX ) XXXX, XXXX. date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX date of inquiry ( XX/XX/XXXX )
Consumer complaint received 2020-06-09
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. (CA)

During the pandemic I chose to use the forbearance action to stop paying the mortgage on my home for 90 days. Based on the CARE ACT I asked my loan servicer XXXX XXXX for the forbearance it was accepted. Shortly there after my credit score dropped 40 points. I am sure congress did not intend this out come, significant damage to my credit score following the CARE ACT of 2020.
Consumer complaint received 2019-12-21
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: EQUIFAX, INC. (FL)

I have two inquiries from XXXX XXXX on my credit report for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. 

Also there should be no security freeze, fraud alert, or any type of similar security measure on my credit report. Remove everything that will freeze or delay a credit application being accepted. 

I have let Equifax know but they have not removed them, instead they sent me info to send in my proof of social and address. 

I did this and still nothing happened.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY (NY)

on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of XXXX XXXX XXXX , XXXX. The XXXX transfer was sent to my TD Bank account but will not be available until XX/XX/XXXX. Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. 

I expected the transfer to arrive within a reasonable time. It is stated in the XXXX literature that enrolled XXXX customers can expect payment within minutes. 

When I contacted my TD bank they said that they are not responsible because XXXX is a third party. I do not want the service of a bank that will not assist me with a customer service concern for a service they provide such as instant money transfer via XXXX as part of their service. 

I am enrolled in XXXX and I have a TD bank account. The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by XXXX/TD. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.
Consumer complaint received 2023-01-13
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. (TX)

in accordance with the fair credit reporting act 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 XXXXhas violated my rights. 15 USC 1681 Section 602 states that I have the rights to privacy 15USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I demand that these accounts be permanently deleted from my credit report
Consumer complaint received 2020-06-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TX)

ON XXXX XXXX I went to Honda XXXX and wanted to purchase a XXXX XXXX XXXX. I test drive a car and decided to buy, we agreed that the price was going to be U {$25000.00} including Destination and Handling fee of U {$1100.00}. I was aware of sales taxes and title fee. I was told that I could have this car leased with no interest for U {$48000.00} per month for 36 months and if I wanted plus U {$2000.00} per month I could have an extra insurance. I asked how much was the remaining balance when I return the car in orther to purchase it, they said they could not give the amount. Since it looked a good deal I accept it, because I understood that U {$48000.00} per month was going to leave me with a reasonable amount paid and had very little to finance in orther to buy the car. I was never shown how they were calculating this monthly payment, but my wife told them that we wanted to purchase the car, but they kept pushing, pushing the lease, saying that was no interest for 36 months and in the end we were going just to pay the tax on the remaining balance. I then to agree on the terms and got the car, My wife left and I finished signing the deal. I never read the amounts before signing because I trusted the Honda XXXX Dearship. I went back 3 times because the numbers did not seem right, and I wanted to know how much was the remaining balance after the 36 months, but they always convinced me that they were right. My wife had a car accident and lost her car, so on XX/XX/XXXX we went to look in the given paperwork to see if we could have another loan in a car for her. So my wife printed the paperwork from a storage stick that they gave me and for our surprise, they added 2 insurances, one of XXXX and another of U {$1400.00}, besides that they put the price of the car at U {$26000.00} and after reading the Leasing document that was sent, by mail, per our request, an amount of U {$1500.00} was also added as rent charges. Honda XXXX, cancelled 2 insurances, but denied the reimbursement of the extra price in the car and the extra rental insurance.My wife spoke to Honda Financial and they said that Honda XXXX is the one who can fix it and Honda XXXX says there is nothing they can do because they don't own the car.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After trying to cancel my pmi for years ... I have come to the 15 year mark and I owe less than 80 percent of original assessed value for when I bought the house. I have a letter of termination date for XXXX ... It should of been XXXX. Well XXXX payment included pmi. And now have XXXX statement that has pmi ... by law I believe there should of been an auto termination of this under the HPA act of 1999. I called mortgage company to ask why still paying pmi ... they again say we will submit for review.. same thing they always say .... and I told lady about the letter I got and she stated she dont see any letter in files.
Consumer complaint received 2023-05-09
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. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I wrote a personal check to a XXXX XXXX XXXX XXXX XXXX XXXX for the company she worked fo. The amount was {$48000.00} on XXXX XXXX  by depositing in their XXXX XXXX account. Once it went through the banks system XXXX XXXX refused to honor the check I wrote the company. I have and will attached those documents. The reason being " irregular '' endorsement of mine and XXXX XXXX would not honor the check. and would be returned to the maker, which was me. The attached letter was sent to the company the check was written to. They in turn was very upset and sent me a copy of the letter XXXX XXXX refused to honor. The letter was dated XX/XX/. I was so discouraged I nearly had a breakdown. The Managers from XXXX XXXX and Citibank were not very helpful except ran an account report. One said from Citibank said he has seen this kind of letter and it was not worth the paper it was written on and the scammers do that all the time. I want my money returned to me as it has been so long. I have been waiting way to long without the bank ( s ) real assistance. My XXXX XXXX XXXX XXXX has been impacted by this terrible situation.
Consumer complaint received 2022-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

Account had been in forbearance ( covid 19 ) and finally ended in XXXX. I then continued to make payment on my mortgage and in this time kept requesting resolution. We received paperwork but local bank notary advised us it was not legal in CT. After many calls still no resolution and all this time I have just kept paying the loan. Fast forward and on XX/XX/XXXX the company reported me 120+ days late on my mortgage but account says current? This dropped my credit score down over XXXX pts making it impossible to bounce back. I have contacted all 3 bureaus and mortgage company and they will not acknowledge it or escalate my claim that this is incorrect reporting information. Any help would be greatly appreciated.
Consumer complaint received 2023-01-23
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. (FL)

Although I appreciate you spending the effort to FIX some of the data on my credit report, there are still several accounts that require UPDATING. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I wish these disputed accounts could be updated or repaired immediately : 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 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XXXX XXXX, of Rocket Mortgage/Quicken Loans, said that my wifes employer would not change their status of my wifes employment. XXXX says that my wifes employer says that she has been terminated. This is false since she had a 10 month contract that just expired at the end of XXXX, and she has a new 10 month contract that starts in XXXX. This is not being terminated in any stretch of the word. 
We paid them a {$500.00} deposit to start the loan process that now appears to only have been a ploy. Rocket Mortgage has dragged their feet for over a month on the closing phase. It is of the opinion of both my wife and myself that Rocket Mortgage/Quicken Loans had no intention from the start to close the loan. I believe that Rocket Mortgage/Quicken Loans is running a deceptive business in how they operate.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OK)

Problems with PayPal and now the XXXX. All customer service are closed and this problem been going on for over a month. I have a balance but I can do nothing but look at. I been trying to contact someone about the issue.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (FL)

Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX I was sent a medical bill from XXXXXXXX XXXX in the amount of {$470.00}. On XX/XX/XXXX I was sent an email from that same practice that the bill would be reported to credit bureaus with interested. The amount of {$530.00} was sent to IC Systems for collections and has been reported to all 3 credit bureaus. My problem is 1 ) I was never given an itemized receipt of the charges and 2 ) it is illegal to charge interest on medical debt. I would like to have an itemized list of charges and the correct amount reflecting. Furthermore it should not be on my credit report because the actual charge is below {$500.00}
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have contacted the collection agencies and each company referred me to dispute through the credit bureaus to get the problem resolved. XXXX stated that since the address was listed on my credit report and the company reported the account that it could not be removed and XXXX and XXXX XXXX keeps stating that the account belongs to me. Even after requsting proof form the collection that the account belongs to me no one has provided me with any proof that the accounts belong to me. On my credit report there's several name variations of my name and addresses that don't belong to me.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or about XXXX XXXX, I attempted to make a {$10000.00} deposit to my XXXX XXXX XXXX from my checking account at USAA from within the XXXX app. I received an error message that stated it couldnt be processed and to try again. I checked my USAA account, saw no monies missing and re-attempted on XXXX XXXX and was able to deposit {$10000.00} into my XXXX XXXX XXXX. On XXXX XXXX, I received an email from XXXX XXXX stating that my deposit had been returned due to NSF. I realized that the transaction I thought had been unsuccessful was actually successful and it had attempted to withdraw the money twice which resulted in the NSF ( despite there being only XXXX withdrawal from my USAA account and XXXX deposit to my XXXX account ). 

I immediately called XXXX and was reassured that my money had already been sent back to USAA. I called USAA after speaking with XXXX and was told that because it was an external institution, the return of my funds could take XXXX business days. I called USAA again the following Monday ( XXXX XXXX ) for an unrelated reason and also spoke to banking. I was again told to give it another day or XXXX. I spoke to USAA again on XXXX and was told by a representative that it actually can take XXXX business days for my funds to be returned and that I had XXXX options : either wait until Friday, check my account and call again if needed or the representative could go ahead and create a work item to figure out where the funds are. I opted for option XXXX. I checked my account Friday, XXXX, and still no funds. 

I called USAA on XXXX to check on the status of my work item and was told that they had closed my ticket and I was not informed. The USAA representative said that I needed to get a XXXX trace number from XXXX per their request. I called XXXX and was given both their trace number and the USAA XXXX number. I then called USAA again and was able to create another work item for them to find my funds. 

I just received another notification ( XXXX ) from USAA saying they need another trace number ( already given ) and/or to reach back out to XXXX despite them having already released the funds back to USAA. 

It is now over XXXX weeks since the initial transaction and neither bank is being helpful towards me with getting my money back. This whole process has been entirely unnecessary and should be significantly more simple than it is. I made a test deposit from my XXXX account to my USAA account and the money was in my account same day. It is unacceptable that XXXX weeks later, I am still missing {$10000.00} because either company has not sent the money back or they have not routed it back to my account.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I was already negative in my account cause the bank allowed a big payment to go through. My best friend accidently sent {$30.00} to my account, two separate transactions through XXXX. First one was for {$20.00} on XXXX and {$10.00} on XXXX. I was told on XXXX that I had to wait till XXXX to call back in so they can reverse the transaction that was accidental and I told them it was mistake and he should of sent it through XXXX XXXX. Now today, XXXX I am being told they can't reverse the transactions and are keeping someone else 's money. XXXX is an app to allow people to send and receive money. BMO has NO right keeping someone else 's money that is not theirs. They're customer service department in the XXXX need to be trained better and not tell customers things can be done when they can't. I've been with them since XXXX. I have informed the rest of my family members to close their accounts out as well as their mortgages when the time is right for them. Please find attached on how this bank allowed transactions to go through and still charge me {$15.00} over draft when I was still negative.