davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Hello, I deposited my payroll check from my employer for the amount of {$2700.00} on XX/XX/2024. Upon depositing, I did not receive an initial {$220.00} a business day after depositing the check which is routine for big checks until they are cleared. I called Everbank XXXX to see why my check was still on hold and when it will be posted. The agent told me that it will be posted and released for available use on XX/XX/XXXX, that Friday. During that same week after checking Friday morning to see if my funds were released, I got locked out of my TIAA account which is also Everbank since they are partnered now. I called in to ask why my account was locked and they said it was for security reasons and that they can not lift the restriction until their back office can verify the check AGAIN. This process will take another 7-10 business days they said. This is outrageous. I have never seen a payroll check on hold for almost TWO WEEKS. I called my employer right after this to verify if the check I deposited had withdrawn from her bank account and was settled and NOT pending. She called XXXX XXXX, her bank, to verify the check disbursement and they were disbursed and RELEASED by XXXX XXXX on XX/XX/XXXX ... That was that XXXX So Everbank is just lying to their customers about their procedures and why they are holding my check. I am late to pay for rent as well as utilities now because of this. I hope they find a resolution for me very very soon.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX A XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. ()

I attempted to use my Macy 's store card on XX/XX/XXXX and was told that the store card had been closed. I assumed that it was due to non-use because of the covid situation. I am a XXXX and have a seasonal home in Florida. I had been a client of Macy 's since XXXX with excellent credit rating and payment history. I attempted to reapply but was told that Macy 's did not accept XXXX information. I wrote to the president, XXXX XXXX and was answered by MrXXXX XXXX XXXX that all XXXX accounts had been closed. 

I feel that this policy is discriminatory under the federal Equal Credit Opportunity Act under the section national origin. Department Stores National Bank decided to close all XXXX accounts and it is now impossible to apply for a store credit card without having US government issued ID, which for me is impossible. 

I am a US homeowner, had been a client of Macy 's since XXXX and feel that better care should have been made in the selection and retention of well-paying customers. Why are canadians not allowed to benefit from the advantages and rebates of this store?
Consumer complaint received 2019-02-08
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: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Good Day My name is XXXX XXXX. I am an XXXX XXXX service connected veteran with a service connection of 40 %. Just recently I was released from federal custody to direct home confinement. I am now beginning to receive my XXXX checks again but while I was away I had a major issue with USAA bank as they allowed my XXXX checks to go into another account number without my approval for 11 months. Because of this I was then told by the government that I owed the government and in order to be able to receive my benefits again I would have to repay all that was owed. 
You see I self-surrendered myself to XXXX XXXX XXXX XXXXXXXX ( located in XXXX, Minnesota on XX/XX/2017. For the first 6 months of my XXXX  the VA continued to send me my full payment of 40 % when it should have only been 10 % due to incarceration. A state XXXX for Minnesota who works out of XXXX ( a Mr XXXX  XXXX ) helped me to put in for a reduction in my benefits so that they could be reduced to the 10 %. Somewhere in this process my information was switched and my account routing information went into another account number. While talking to a USAA representative they told me that I have to take it up with the people who issue the checks. It's my belief that it is the banks responsibility to ensure that no ones check goes into another 's account without consent. Following this whomever owned account received my payments for the next 11 months. When I found out Mr XXXX and myself put in for an audit and this is where the information was revealed. In the attachment below you can see what I am talking about. Debt Management then said that I owe the VA {$6000.00} in order to reinstate my benefits. I can understand owing the government 6 months repayment at 30 % but to say that I owe XXXX is crazy especially when USAA allowed my monies to go into another 's account. Next Mr. XXXX and myself just stopped the payment period. 
Now that I am released, I'm trying to get my benefits reinstated and rectified but it has been a fiasco. I contacted the bank who gave me no help whatsoever. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said that no students were there over the summer. I reached out to the IDVA ( Illinois Department XXXX XXXX XXXX ) and they connected me with affordable legal and finally that's how I got connected to you. I pray that you can help me in this situation and that it will all be over soon. 

Thank you in advance for your time and consideration Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I am writing to express my deep frustration and dissatisfaction with the lack of progress in removing fraudulent items from my credit report, despite multiple attempts on my part. These fraudulent items are inaccurately reflecting my financial history and are adversely affecting my creditworthiness and financial opportunities. 

Frustrated by the lack of progress, I made multiple attempts to have these fraudulent items removed from my credit report. Each attempt was met with delays and unsuccessful outcomes, leaving me feeling helpless and marginalized. 

The continued presence of these fraudulent items on my credit report is severely impacting my financial standing and future prospects. I have taken all necessary steps to address and rectify this issue, yet it persists, causing me undue hardship and stress. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my credit report. I expect a swift resolution to this matter, including the complete removal of all unauthorized transactions within exact timeframe. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ  XXXX.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021, I was sent a fraudulent check ( {$1300.00} ) as payment for furniture I was selling during my relocation process for a new job. Using the online check deposit system for Bank of America through their mobile app, I cashed the check and the full amount of the check was deposited into my checking account. Note that there was no disclaimer or information conveyed to me the customer that the amount deposited to my account was NOT final and could be subject to being clawed back if the fund transfer didn't clear in the next couple of business days. Given that the funds were immediately available to use in my account, and there was no disclaimer that the funds weren't guaranteed until the checks cleared behind the scenes, I was lulled into a false sense of security and paid " movers '' ( fake entity as part of a scam ) using XXXX from the balance of the check above the value of my furniture. The next day, XX/XX/2021, I was sent another fraudulent check ( {$2600.00} ) from the same party for another transaction in which I then paid " movers '' unsuspectingly because of the lack of disclaimers and information conveyed by Bank of America about the way they process checks. The next day, Bank of America pulls the balance of the first check back out of my account because they discovered it was fraudulent when processing it. The following day, I called customer service to figure out what is going to happen to the balance of the second check since it hadn't been clawed back in the same timeframe that the first one did. I also let them know about the scam situation/fraud, and they told me that, if the second check hadn't been clawed back at the same time as the first, then it wasn't going to be taken out of my account. They then close that account after I transferred the account balance to a new account with XXXX bank. They later reopen the account because they overdrew it when clawing back the balance from the second fraudulent check and are threatening collections if the account balance isn't brought back to XXXX.
Consumer complaint received 2021-08-02
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: Early Warning Services, LLC (IL)

EWS ( Early Warning Services ) unlawfully obtained my credit profile and reported it to XXXX XXXX XXXX XXXX without my permission. Initially XXXX XXXX allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by EWS. They are now holding my money and will not allow me to access it.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

Chase 's so called conveniences function more like entrapment. Being able to do mobile deposits and external transfers are highly deceptive in that instant transfers are not really instant because they depend on the capability of another bank. It is entrapment in that a consumer must know exactly the length of time in which each type of transaction processes. This is something your ordinary consumer would not know. It should not be possible for a Chase Loss Prevention department Team to ruin someone's finances due to the consumer 's lack of knowledge about how these " conveniences '' of Chase actually work.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX REWARDS XXXX Balance : {$230.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX Ct, XXXX, VA, XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX ( XXXX XXXX CO ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Ct, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance XXXX {$230.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-02
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: NAVY FEDERAL CREDIT UNION (IL)

XXXX ( XXXX XXXX XXXX ) unlawfully obtained my credit profile and reported it to Navy Federal Credit Union without my permission. Initially Navy Federal allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by XXXX. They are now holding my money and will not allow me to access it.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (AZ)

In mid XXXX XXXX wells Fargo called me and asked if I wanted to do a settlement on my credit card for {$1700.00} on a 9 month payment plan. I was told I had to make first payment within 30 days. on XX/XX/XXXX i mad a {$10.00} dollar payment on my bill pay just to see if I could pay the debt through my online account it went through. i called wells and asked them if i paid the {$1700.00} within a month would the do a paid to delete they said it was not something they do but didn't have a problem putting paid as agreed. on the XXXX of XXXX i paid {$180.00} on my bill pay. as agreed that was the date i agreed to pay first payment. On the XXXX of XXXX I gave them {$850.00} this is were it got all messed up on the XXXX of XXXX i called to pay the remaining balance of {$500.00} I was told i had a remaining balance of {$180.00} and the {$180.00} payment never went through on my bill pay and wasn't showing i ever paid it or it was ever processed to be so after about 5 hours on the phone we all agreed that i was to pay the XXXX again i told them i had no money left to pay to times so i paid the last {$180.00} the next day the {$180.00} came out of my bill pay that was agreed wasn't suppose to come out so after another 4 hours on the phone and un countable transfers was told it would take 10 business days to investigate. i was very upset they would even give me a credit after 10 working days I called and said one was never started with the write department and had to start over another 10 working days and about 7 hours on the phone was told would fix credit to paid as agreed for the inconvenience. and reimburse the over payment that they still owe me then in in XXXX I called again spent 3 hours on the phone and after two week came back with no return of money and will not fix credit as agreed i would have paid all in a month and spent my whole stimulus check plus money if i had know all this
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

Hi my name is XXXX XXXX I lived in an apartment with XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX we made reports of mold out break in our apartment. They did not seem to fix the problem we also had a leak in our floor so we had mold all over there was a leak in the living room and we complained so they fix it. They took theyre time to fix things that were broken. We had bug infestation and we were getting sick from mold we tried to fix the problem our self so we gave 30 day notice we were leaving. We left XX/XX/2017 I believe and we relocated i checked my credit and I have a debt collection I was not aware of and I did not recognize any written notice about a collection or a phone call or any thing I called to ask what this was about and she said XXXX XXXX I was not notified that I can dispute this collection. They claim there was damage to my apartment and the apartment was fine when we left besides the mold Every where that they decided to do nothing about I even reported this problem to the health department and nothing was done about it. And as far as cleaning fee I did not get any receipts and I did not get my deposit refunded.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (FL)

kLS financial never sent me written notification that a fraudulent charge ( reported to XXXX by me fall XXXX ) was going into collections. Spoke with KLS XX/XX/XXXX explaining charge was fraudulent and wellsfargo disputed it and account was closed. KLS did notify in writing that the charge for XXXX $ was going into collections XXXX XXXX.
Consumer complaint received 2021-08-02
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. (CA)

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Consumer complaint received 2021-08-02
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. (CA)

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Consumer complaint received 2019-12-16
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)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$920.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$2100.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

Last XXXX, I opened a Synchrony XXXX XXXX, which offered a sign-on bonus of {$100.00} if you charged {$1000.00} on the card in the first three months. I met the {$1000.00} requirement within two months. 

Subsequently, I made about a half-dozen calls to Synchrony because I did not receive my bonus. In each case, I was told to wait for the bonus. Today ( XX/XX/22 ), I called again and was told to wait two more billing cycles. I gave up and closed the account. 

I can not help thinking that the way they handled the bonus could be part of a business model. I did exactly what they wanted. I grew tired of complaining and gave up.