davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

The initial complaint # XXXX was filed with the CFPB on XXXX XX/XX/2024 as HSBC suspended access to online banking after a mobile deposit was made. The account was opened on XXXX XXXX  2024. The first deposit was made with the mobile app for a minimal amount ( {$36.00} USD ). This mobile check was from a financial institution ( bank stock disbursement ). This check took XXXX days to clear. On XXXX XX/XX/2024 another mobile deposit of several XXXX dollars was made via mobile deposit from a check issued by XXXX. The following morning I tried to access my account from the online banking app which indicated that my account was suspended with a message asking me to contact the bank. The conversation I had with customer service via the chat app on the banks website indicated that they had no idea why the account was suspended but i was provided the securities department number and asked to call them. After speaking with the securities technician i was told that the account would remain suspended until the funds cleared 'for my protection '. Please read the initial complaint indicated above for more information on that conversation. I was told that once the funds cleared my account access would be restored. I was provided with the date of XXXX XXXX  2024. On XXXX XX/XX/2024 I tried to access my online banking account and found that the suspension continued. I called the bank again to inquire as to when the account would be restored and was told that the funds had cleared however, the suspension remains and that I would have to contact the securities department again for further information. I then filed the grievance with CFPB. CFPB indicated that they would send the complaint to the bank, which they did. After XXXX weeks of waiting for a response, I received notification last evening that HSBC had responded to my complaint. A letter authored by XXXX XXXX ( Assistant Vice President, Head of Customer Relations ) indicated that 'all blocks on my account were removed and the account was fully restored on XXXX XX/XX/ 2024. Because the bank wrote a letter indicating compliance and that they had responded to my complaint. CFPB closed the complaint. The issue is that XXXX XXXX was deceitful in her letter when she indicated that the blocks had been removed and that the account was fully restored as it has not. This has been corroborated this morning when I spoke with customer service who indicated that the account remains suspended and that access is blocked. So it seems that CFPB closes out a complaint as long as the back or financial institution says something despite it being a complete and utter lie. CFPB needs to do a better job. What should have been done is to ask the individual who made the complaint, if the issue was in fact resolved, before they closed out the complaint.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SC)

On Friday XX/XX/2024 I noticed a series of unauthorized transactions on my account and did my due diligence and called my bank I was on the phone for over an hour I was transferred to the XXXX department who told me an investigation would be opened I then called back on XXXX  XX/XX/XXXX this time I was on the phone over XXXX minutes I was transferred to the disputes department who informed me there had been no disputes opened they then proceeded to open the disputes for me the next contact I had was an email saying they had restricted my account because they detected unusual activity and requested I call them which I did the call went through to the loss prevention department who informed me my account would be closed and I inquired about my disputes I was hung up on and then called back just to be hung up on XXXX more times on XX/XX/XXXX I received an email that the disputes were closed per my request I made no such request so on XX/XX/XXXX I called again the disputes department who reopened my disputes this bank has not followed the regulation e law at all first of all if my disputes had not been closed I would have received a provisional credit already but since the bank does not adhere to the law at all even if that had happened I would not have been able to access my funds they are openly violating my consumer rights and obviously dont fear any consequences in doing so I have no doubt that they will once again close my disputes and deny my consumer rights
Consumer complaint received 2022-11-01
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: Convergent Resources, Inc. (FL)

I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 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 CONVERGENT OUTSOURCING : XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out. 
According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (LA)

I used XXXX to get a number for XXXX customers support. When I called the number the representative identified him self as an XXXX customer service agent. He said there were some fraudulent activity on my account and we would need to reverse the payments. In order to get started with the process he asked that I download an app ( XXXX XXXX ) that would allow him to share my screen. From there he asked to initiate a test transfer by sending a certain amount to someone I trust and then have them send it back to my via XXXX XXXX. Afterwards he deleted all of my accounts from XXXX XXXX and added his card on stipulating that it was to cover the {$75.00} charge for the money going back into my bank accounts. The money was not returned to my account and he is asking that I call my bank to raise t my transaction limit. I immediately disconnected the call and called my bank. No one is able to track this transaction because he deleted his card from the XXXX XXXX account once the funds were transfered
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.
Consumer complaint received 2020-08-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (FL)

I previously emailed The Department of Education and they referred me to this government agency. 
My granddaughter " graduated  '' from XXXX University this spring. She didn't get a graduation at her school or any refunds due to closing school and no graduation. 
During the four years my granddaughter had student loans with Wells Fargo. I am XXXX and I am a cosigner on her loans. 
My granddaughter was XXXX XXXX of her class and was an XXXX  student. To date she has been unable to find a job. Her school has been no help. 
Her loans will come due in a couple of months. Of course Wells Fargo continues to charge interest. 
Wells Fargo has refused to follow the President 's requirements for government student loans. 
Even though our student loans are private, it should make no difference. The government is using tax money to help those with federal student loans. If federal student loans are being helped so should private student loans. 
It is doubtful, through no fault of her own, my granddaughter will not find a job soon enough to have income to pay her student loans. I am on a fixed  income   and will not be able to pay them. Since there is no bankruptcy protection my granddaughter will be hounded by Wells Fargo and her credi score will be ruined. The same will happen to me. 
The President must treat federal and private student loans the same. He is using our tax dollars for federal student loans but not for private student loans.
Consumer complaint received 2020-08-14
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. (IL)

I been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

Three weeks ago, I contacted Kia Motors Finance to receive the title for a XXXX KIA XXXX purchased by myself and my son, XXXX XXXX. Each time I call, the system prompts me to make a payment even though the car has been paid off and there is no remaining balance. 

I was told that title would be released and I should receive it in a week. We have not received the title and need to sell the car asap. Within the last two days, I have been trying to reach someone in customer service, only to be passed from one person to another and finally disconnected. I would really appreciate your assistance in resolving this matter. The VIN number for the car is : XXXX KIA XXXX VIN : XXXX XXXX XXXX
Consumer complaint received 2020-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been to Bank Of America several times and have tried to notify corporate about the equity line of credit that was paid XX/XX/2020 and it still shows a balance of {$220000.00}. Bank of America has responded to XXXX  and states that it is still owed even though Bank of America shows that it is paid off. 
I have disputed this several times with XXXX only to have the same results. 
This is affecting my credit rating and I can not get it resolved.
Consumer complaint received 2020-08-03
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. (OH)

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}
Consumer complaint received 2022-07-22
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. (FL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-10
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: CL Holdings LLC (OH)

Well over the the last XXXX years i havent been monitering my personal credit i noticed accounts that i did not authourize i reached out to the companies for documentation or showing me any type of agreement signed or giving to them by me they never responded back with any correspondence.
Consumer complaint received 2022-11-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

This account is XXXX old and Experian has deducted more points on this same acct again I have repotted this was not mine and have been fighting this for along time it was on all 3 reports and Experian has yet to remove it it just on fair they keep taking points on my score for this same and only account on my credit
Consumer complaint received 2020-08-14
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MT)

Since XX/XX/2021 WellsFargo Bank has charged my checking account a $ XXXX monthly service fee. However, each month, I have met one of the three account requirements to avoid this charge. I noticed the money being pulled out this month and thought that was odd since. One of the requirements is that I have a combined balance in linked accounts of {$7500.00}, and each month that WellsFargo has charged the $ XXXX monthly service fee, I have had the required amount or greater.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (FL)

As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

Fed loan shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need Fed loan to prove I was delinquent on these payments.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Some years ago I went to a credit repair company/person in an effort to repair my credit. This company took my personal information and opened various credit card account and took loans from banks using my information. Once I became aware of this I contacted the companies informing them that these charges were not mine and that I was in fact a victim of identity theft. I was told that the accounts would be flagged as fraud. I also went and failed a police report. Now I am being sued for a debt that I do not owe because it was created and the cards were maxed out by someone other than me. I now am receiving harassing phone calls, mail and court summons due to this. This took place around XXXX now the bill is XXXX. I am told I need to appear in court or a default judgment will be entered against me. This has been affecting my credit report negatively and the tactics that are being used are against the law and violate my consumer rights. This account is a fraudulent account.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a checking account that I've had for quite a few years with Bank of America. 
They told me several years ago that if I had direct deposit there would never be a fee. I had never been charged a fee, regardless of balance, since I have continuously had direct deposit. Recently, for the first time, I was charged {$14.00} on XX/XX/20 and I was charged {$14.00} on XX/XX/20. 
When I called I was told that there is a fee for a balance that drops below {$1500.00} at any time during the month. I told the person that I had been told that direct deposit would waive any fee when I opened the account. They told me they knew nothing about that and that I had an account type called " regular checking '' which is no longer offered but is grandfathered in. 
I asked to have the terms and fees of the the account sent to me. They refused and said I could look online. However, there is no " terms of account for regular checking ''. 
In fact there is no listing of any account that charges a fee of exactly {$14.00}. I spoke to someone twice and both times was told I could not receive the fee schedule or terms of the account that I would see it on my account page. When I check the terms and fee schedule there is no listing of my account type there. 
I have never received a notice of change of terms for this account. 
When I go online to try to find the terms and fee schedule, there is a listing of checking account types but there is no " regular checking '' which mine is named online and by the bank employees I spoke to on the phone. 
I have been unable to get any satisfaction on this issue with the bank.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union {$15000.00} 16.99 % APR Account Opened XX/XX/2018 6 years on my credit report
Consumer complaint received 2020-08-14
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-05-18
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. (FL)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX