davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Our company XXXX XXXX ( chase bank account XXXX, routing : XXXX ), took a credit card payment from one of our client 's for a sum of {$5000.00} on XX/XX/2023, from our bank 'JP Morgan Chase We Pay ' through their 'quick accept ' system. The payment was approved and it was debited from our client 's bank account on the same day. Till this date, we have not received the funds in our bank account! 

We created a compliant ticket number XXXX with the Wepay team to resolve this matter and till date haven not received a positive response from them. We have been notified that our quick accept account has been closed and it will take 120 days for the bank to release the funds to us!! 

This is not acceptable, as we are a small business and bank holding on to our funds is affecting out cash flow. We have contacted the bank and they are not willing to share the reason why our account was closed all on a sudden and the funds are being withheld for no reason. Please help us resolve this matter immediately. 

Thank you very much. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

I participated in a HAMP modification with performance payments which I have now successfully received. However, much like I've previously had issues with the way SunTrust ( now Truist ) has serviced my XXXX XXXX loan, they now are refusing to respond to my repeated inquiries about why I have not received a recasting / re-amortization of my payments per the HAMP guidelines. I've tried to reach out by both phone and secure online communications ( and have attached copies of these communications ) and have made it clear I would indeed want to take advantage of a recasting to reduce my payments per federal guidelines. I'm told each time that someone from that department will be contacting me or I will be receiving some sort of official communication regarding my recasting inquiry, but I never do. I completed the five-years in the HAMP program in XX/XX/2019, which is when the final {$5000.00} performance payment should have been made ( it was significantly delayed with no explanation even though I made many inquiries, but eventually showed up ). I also should have, as is my understanding from reading the HAMP federal guidelines, been offered a recasting of my loan at this time. I was not and I have been calling and messaging without resolution. I'm just told it will happen or is happening or I'll hear something by an apparently ill informed mortgage customer service rep. 

I do want to bring up that last time I contacted CPFB about a Suntrust ( now Truist ) HAMP modification issue and spoke to the US Department of Justice regarding a  breach of their settlement agreement in regards to criminal conduct on their processing of HAMP modifications, Suntrust offered me {$1000.00} to drop my complaint and go away which I did, but then they never paid. I continue to remain shocked that Suntrust gets away with so many violations of the HAMP program and how it's supposed to be run. They received deferred prosecution and here they are, breaching it yet again with me. I guess corporate officers will never go to jail no matter how purposeful or negligent. 

I'd really appreciate some investigation and oversight here. There is absolutely no reason why I should be denied a recasting, be required to pay my interest payments in full, and pay off early. That is very convenient for Suntrust ( and even more so the new combined Truist, looks better on their balance sheet while it continues to harm me ).
Consumer complaint received 2023-05-24
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-09-06
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I bank with Fifth Third Bank. Approximately six replacement debit cards were issued the past year due to unauthorized charges to my checking account. XX/XX/2021, my account was closed and another account ( different account number ) was opened. Fraudulent charges are presently reoccurring. Today XXXX, I received a call from XXXX XXXX a fraudulent charge on XXXX. Fifth Third has again deactivated the debit card, sending a new one. Today a credit freeze request was requested to XXXX, XXXX, and XXXX.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/2022, someone signed up for a MoneyGram account using my email address, XXXX. 

From there, they attempted to send {$2100.00} through MoneyGram, but XXXX denied the transaction. Shortly after on the same day, they were able to send the same amount, {$2100.00}. 

XXXX did not flag this transaction and allowed it to proceed. The recipient was named XXXX XXXX XXXX. This person is unknown to me. The receiver state is Nevada and it was listed as a cash pickup. The MoneyGram reference ID is XXXX. All of my information used in the transaction as the sender was valid, but not provided by me. 

Next, on the same day I received a notification saying the money had been picked up. 

Then, there was another attempt to transfer more money, but it was denied by MoneyGram. Shortly after, another attempt was made and the money was sent, {$1800.00} and picked up. 
Reference ID : XXXX I was unaware of the charges as I do not regularly check my email. I was only aware of the missing money once I checked my bank statement from XXXX. It was at this time, XXXX temporarily credited my account, pending investigation. XXXX attempted to get the funds back from MoneyGram, however their claim was denied. I requested the evidence sent from MoneyGram to XXXX and found some discrepancies. 

The IP address used by the sender was listed as XXXX, which does not appear as a valid IP. This was the evidence used by MoneyGram to validate that I was the sender, as the claim is that this is a California IP address. 

From here, I filed a local police report in XXXX XXXX XXXX, CA. The event number is XXXX, dated XX/XX/2022.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2019-12-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA SAVING BANK IS REFUSING TO RETURN TO ME THE INTEREST THAT WAS EARNED. 

THE CD IS TIED TO MY CREDIT CARD ACCOUNT TO SECURE A CREDIT CARD. 

THE {$1000.00} IS USED TO SECURE A {$1000.00} CREDIT CARD LIMIT. 
UNDER THE SECURED CREDIT CARD ENDING # XXXX. 

I RECEIVED NOTICE ON XX/XX/XXXX, THAT MY CD MATURES ON THE DATE XX/XX/XXXX AND THE NEW MATURITY DATE TO BE ON XX/XX/XXXX. 

ON XX/XX/XXXX I SUBMITTED A LETTER TO USAA SAVING BANK TO DEPOSIT MY EARNED INTEREST TO MY CHECKING ACCOUNT AND ALL FUTURE INTEREST TO BE DEPOSITED THE SAME WAY. 

ON XX/XX/XXXX USAA SAVING BANK ROLLED OVER THE CD BUT REFUSED AND ILLEGALLY DEPOSITED THE INTEREST EARNED TO THE CD ROLLOVER. 

THE ONLY GUARANTEE IS THAT I AM REQUIRED IS TO HOLD A CD IN THE AMOUNT OF {$1000.00} TO SECURE THE CREDIT LIMIT OF {$1000.00} FOR WHICH I MET. 

THE ILLEGAL ACTION BY USAA SAVING BANK WAS TO HOLD THE INTEREST EARNED. 


I DEMAND THE RETURN OF MY INTEREST EARNED ON MY CD AS REQUIRED TO MY CHECKING ACCOUNT. 

MY SECURED CD BALANCE IS {$1000.00}. 

MY SECURED CREDIT LIMIT IS {$1000.00}
Consumer complaint received 2022-01-29
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. (NY)

Experian unauthorized inquiries Experian XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX  XX/XX/XXXX Phone XXXX
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018, I called the bank and submitted a stop payment request to cancel check number XXXX in the amount of {$3500.00} from clearing through my account. The call center representative told me the check had not been deposited yet and the stop payment request would go through. However, chrck nunber XXXX in the amount of {$3500.00} was cleared through my account on XX/XX/2018. I called the bank during the XXXX est hour in XXXX XXXX to resolve and get my money back into my account, because the bank was notified to not cash the check. The banks representivies from the claims department told me there was nothing they could do and I needed to contact the person who cashed the check. My agreement to stop payment on the check was not through the payee but through my financial institution. Due to a customer service representative incompetence to submit the right request, I was not only charged a stop payment fee but the stop payment request was ineffective and now I am missing {$3500.00}. 
After multiple attempts via phone, secure message, emails, and social media, CHASE BANK has told me that they can not do anything to return my funds.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: JPMORGAN CHASE & CO. (NC)

The Chase branch in XXXX XXXX, NC ( XXXX XXXX ) would not accept a cash advance from a legitimate card that collects wages for me from clinical trial participation when I presented it along with my ID.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (SC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates that inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Issue with XXXX XXXX  purchase. Contacted XXXX XXXX and they informed me they would refund me {$33.00} for shipping and taxes, therefore I canceled my dispute with CitiBank. Prior to canceling the dispute, I reached out to citi credit card chat services and verified that if I canceled I could re-open and they informed me that I could. I canceled the dispute, however XXXX XXXX never refunded me as promised. I then attempted to reopen the dispute with my citi card, however each citi representative that I speak with, inform me that they will reopen the dispute and that I will see an update in 3-5 business days, but after waiting and checking I am not seeing any difference or refund. Each time that I call or chat with citi to follow up on the reopened dispute, they inform me that there isnt a history of the dispute being re-open, and that they will have an investigator contact me for additional information, but I havent been contacted by anyone. I attempted to re-open the dispute around XX/XX/2019 and have since then been trying to get it re-open and refunded since XXXX XXXX failed on their promise.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX my Equifax Credit Score was lowed by 41 points with n0 inquiries no info at all new reported to cause this. Equifax does not have an answer to that so my 41 points should be reinstated. I also opened a Revolving line of Credit for XXXX with an opening balance of {$67.00} on XX/XX/XXXX. This has reported to XXXX as well as XXXX but Equifax can not seem to find the file. I HAVE THAT FILE and the Company received confirmation it was received on XX/XX/XXXX. There was no reason for my Equifax ONLY credit score to lower by 41 points over night. They also have not updated records that were sent to them previously. This has caused me to lose my possible Mort age for a Home. They can not tell me why it was lowered by 41 points  when the other 2 credit Bureaus have updated with no issues. I was a victum of Identity theft with the EquifacxData breech and they are doing it to me again now. This has caused irreversible damage in 1 day. I merely would like an explanation to give to my Lender as to why it fropped and my % XXXX Revolving line of credit is not showing at all. I would like this updated and I would like an explanation as to why my Equifax score dropped on XX/XX/XXXX over night. No one can seem to tell me why.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

I opened a credit karma spend account when I filed my taxes with XXXX XXXX  on XX/XX/XXXX on the XXXX of i received a email stating my debit card was on its way on XX/XX/XXXX i got email saying my refund was approved and will be deposited in my credit karma account i recived emails from credit karma on XX/XX/XXXX saying to set up direct deposit with my new account on the XXXX i have a email saying i can start using my card on feburary XXXX i recieved a email saying my credit karma spend account is locked not to worry my money is safe on the same day a few moments after got another email saying my account has been deactiveated i have been trying to get in conact im told to wait for a higher deparment without any explanation
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

For several years, I have used Western Union ( WU ) to primarily provide regular financial assistance to my relatives in XXXX, and particularly, to my younger brother XXXX. 

In XXXX of this year, XXXX was diagnosed with a medical condition that required an urgent XXXX  XXXX. All payments were to be made directly to the clinic. 
- On XXXX I sent a transfer in the amount of {$1100.00}. The transfer was approved after someone from WU confirmed the transaction with me. 

- After that, I continued sending smaller amounts for XXXX after care needs using various care takers : 1 ) XX/XX/ ( {$200.00} ) 2 ) XXXX ( {$150.00} ) 3 ) XXXX  ( {$100.00} ) 4 ) XX/XX/ XXXX - ( {$100.00} ) Around XX/XX/21, XXXX XXXX got infected and required urgent attention. XXXX was to immediately return to the clinic. Unlike America, patients in XXXX will not receive any urgent care without paying the dues first. On XXXX, I filled a wire transfer in the requested amount of {$300.00} payable to the clinic same as I did on XXXX. This time around, an untrained, rude and insensitive WU representative, told me, after confirming the transaction with me, that it was declined due to fraud suspicion. 

I work in the financial industry as a risk manager, and part of my work includes assessing fraud risk. A suspicious transaction should be rightfully denied, if the account holder knows nothing about it and authorizes the transaction to be cancelled. However, once the transaction in question is validated by the account holder who has been thoroughly authenticated, there shouldnt be any reason to deny the transaction. If a financial institution still has any suspicion, it should fill out a Suspicious Activity Report ( SAR ) and send it to the feds, instead of inconveniencing a customer and causing irreparable damages. Additionally, I own several accounts with several financial institutions and have never been denied a transaction, after its validity has been verified and confirmed with me. 

The manner in which an untrained, incompetent and irresponsible WU representative questioned me, especially that I had already transacted a similar transaction on XX/XX/, and declined the transaction on XXXX, even after I was fully authenticated, validated the authenticity of the transaction and made several attempts to stress the urgency of the wire, caused a delay in treating my brother XXXX who succumbed of his XXXX and XXXX on XXXX 

Western Unions irresponsible, and incompetent handling of fraud risk has caused irreparable damages to my family. My brother XXXX, to whom I sent money via WU for several years, couldnt get his last medical treatment because of WU.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I purchased a 2-flat. However, it was not a legal-two flat and I was unable to rent the second unit. As a result my income dropped and I fell behind on my mortgage. I have adjusted my expenses and I am able to afford a reasonable payment however I have been declined for a loan modification. I have filed a Chapter XXXX   bankruptcy which eliminated all other debt which strengthened my financial condition. 

Also, it appears that the value used to calculate the NPV is incorrect. I am being evaluated as a 2-unit and I am not a two-unit. Also, I am compared to brick properties and my home is frame. 

I would like to make sure that I am fully considered considering may unique circumstance and the fact that I do receive income and can make a payment on my mortgage loan.
Consumer complaint received 2023-02-08
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)

Experian XXXX XXXX XXXX is reporting this account that does not belong to me please remove from my credit report thank you.And i believe it may be a fraud / identity theft account please remove from all credit reports thank you kindly. 

Contact info XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

On XX/XX/XXXX, I received notification from XXXX XXXX that an account had reported me 30 days late on payment. Research indicated that this came from Comenity Bank, an account that I was not familiar with. It turned out that it was for XXXX. 

As I had paid off my off the remaining balance on XX/XX/XXXX, I was surprised as well as confused. I logged on to my account and noted charges for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX for {$2.00} ( XXXX ), {$6.00} and {$14.00}. 

When I contacted the company, they told me it was for interest. I asked them to explain how when I paid the " remaining balance '' of my account that it did not include the {$2.00} interest on XX/XX/XXXX and so on. They tried to attribute it to when the payment is made, versus the time that it takes for the bank to process the payment. They remain adamant that the money is still owed.