davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP (WI)

I opened an account at Associated Bank  on XXXX XXXX, XXXX  with a signup bonus of {$500.00} if I received a direct deposit of {$500.00} and maintained $ XXXX in a certain period. I have met all the requirements and my friend who opened the account on the same day had received the bonus on XXXX XXXX, but I still haven't received the bonus. I called the bank many times and they promised to help me fix it, but every time either I didn't get a callback or they gave me different reasons. The newest reason they give me is that I didn't make an open deposit when I open the account, but the truth is I gave the check to the banker XXXX XXXX XXXX XXXX when I opened the account, but he told me no need to do that, just doing the direct deposit is enough. I have made more than $ XXXX deposit, if I was told even a word about the opening deposit of {$25.00}, I have no reason not to do that. 
Besides, the advertisement only shows : Heres how to get your bonus of up to {$5000.00} ... 
Open a new checking account today and : Have direct deposits totaling {$500.00} or more into your new checking account, within 90 days of account opening. 
Grow your balanceand your bonusby simply adding funds into your checking or other deposit accounts. 
Collect your bonus in 120 days! 

There are no words talking about the opening deposit.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2019-07-09
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: NAVY FEDERAL CREDIT UNION (GA)

The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX  but on time XXXX  and XXXX. Then in XXXX late with XXXX  and XXXX   and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MO)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company AMEX is reporting an alleged Inquiry for date of service XX/XX/2019that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This account does not belong to me, I spoke to them on the phone and demanded a letter stating balances and assumed responsibility. 

I provided them my E-Mail / Fax / Number.

It is now day 50 and I have yet to receive any information.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I am being charged a corporate fee of {$820.00} on my mortgae by XXXX XXXX XXXX, furthermore now I am being charged interest on this fee. The fee was initially charged by Chase who was the previous bank servicing this mortgage. Chase informed me that this fee was a corporate advance paid to an attorney to represent chase interest due to violations on my property located at XXXX XXXX XXXX XXXX il XXXX. I contacted chase and informed them i was disputing the charge. I fax to chase a copy of the court order dated XXXX XX/XX/2015 showing that the violations were corrected. the court document shows my signature and the signature of the city attorney showing the dismissal of the violations. I explained to several Chase representatives that I was present at all the hearings and told them there was never an attorney representing Chase there. I also told them that the record shows that the Chase attorney filed his apperance on XX/XX/XXXX the case was resolved by me on XX/XX/XXXX. They continue to say that a chase attorney was at the hearings, this is not true as i was present at XXXX hearings and there was never a representative of chase present. I asked chase to send me the records showing the legal work the attorney did on there behalf. Chase refused. I have all my records to corroborate my statements Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KS)

Everything goes well before XX/XX/XXXX, I can buy and sell coins through coinbase. Then I deposit XXXX $ to coinbase on XX/XX/2018. And the money number appears in my coinbase correctly. After this, they suddenly suspended my account and asked to add my SSN to complete verification. Then I try many times to use my SSN to finish this verification. But it always fails. I contacted coinbase then, and three months later, i still not get a proper solution ( they only replied me twice ).  Nothing i can do but wait. They can not let me DEPOSIT MONEY AND JUST LOCK MY ACCOUNT.
Consumer complaint received 2022-12-15
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)

I sent a Letter dated XX/XX/2022, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No nancial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

I received a letter from MyFedLoan on XX/XX/2019 telling me my deferment period was about to end and I would have my interest capitalized if "you do not make a payment to satisfy the full amount prior to the Anticipated Capitalization Date."  The total came out to $XXXX. I called MyFedLoan and ask to speak to a representative to clear up if there was a specific way to pay my owed interest so that it was applied to only my owed interest since I did not see a different way to apply the payment online. She confirmed that I would make the payment regularly as I would make any payment and because I was in deferment, the full payment would go towards my interest and cover it entirely. I also explained that I would be paying in ahead of time in order to give the payment adequate time to process. She agreed that was a good idea. I proceeded to make a XXXX ($XXXX  over) on the XX/XX/XXXX, 5 days ahead of the due date in order to avoid issues with the payment not processing in time and having the interest capitalized. Although I followed the directions on the letter and by the representative exactly, I was penalized for paying 5 days early and charged interested which capitalized to almost $200. I was not notified about the increase in my account balance although I paid the total amount that I owed and continued to make on time payments. MyFedLoan gave misleading and just down-right wrong directions out to its customers and then is still sneakily charging them when the make the full requested payments.
Consumer complaint received 2019-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (RI)

This issue all began when SallieMae stopped auto charging my bank account without notifying me. At this point in time, I was diligently making on-time payments ( while in school as they wouldn't allow me deferment ) so I did not realize that the company stopped charging my account until this happened. When I noticed after two months that SallieMae wasn't charging my account, I called them to discuss this issue. Immediately the response I received was negative. The man I spoke with told me that I was in delinquency for months, despite never receiving notice about it. Additionally, he demanded I pay the full amount or I was to be sent to collections. I told him that I couldn't pay the full amount upfront as it was over {$9000.00}. I told them that I would like to stick to my original payment plan, as I will make the continued payments. He became rude and aggressive and wouldn't listen to me. At this point, my father 's credit was affected and now is horrible as he is my cosigner. I am willing to pay this loan, I just can't pay the full amount. I called several times, but the woman I was speaking to XXXX XXXX ( XXXX ) and at first she told me she would help me with arranging a payment plan, this call was today, XX/XX/23 at XXXX XXXX but I need my father present, at the time he was at physical therapy. I called back at XX/XX/23 XXXX XXXX with my father present and suddenly she told me that I couldn't do the payment plan, and I had to pay {$5000.00}. When we notified her that we couldn't pay that amount on such little notice, she became rude and abrasive and tried to hang up on me without continuing the conversation. This left me feeling dejected and alone in my situation. At this point, I asked for the collection departments number so I can speak to them directly and she wouldn't provide me with any information in regards to them. I am very willing to pay off the amount but I need to do it in monthly increments.
Consumer complaint received 2017-05-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Began my process of buying a home with a team leader, whom stated he was too busy to meet in person regarding my home buying process. After finding my home, the process required me submitting personal pap erwork three plus times to get it correct. It involved me signing documents that I was then told were incorrect, and had resubmitted that same day requiring me to leave work on two separate occasions. Could not get ahold of mortgage team leader by telephone and was only able to communicate by email with several days delay. Unprofessional communication by text message during process of securing home loan as well as emails using the phrase " stand buy ''. Rushing to submit documentation with less than one week till closing on a  home. When submitting complaint on  XXXX   XXXX  to corporate company then falsely closed the complaint without reaching out to me before doing so. When I called on Tuesday the  XXXX  of  XXXX , I was told the complaint would be reopened and the individuals supervisor would get back to me by close of business. After waiting for a call and not r ecieving one, I then called to follow up to the complaint and speak with a supervisor that told me if my complaint did not seem urgent for corporate to follow up too they would not. It is apparent my time, or money is important to Huntington Bank.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX Dob XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I have XXXX closed accounts my closed credit card and my secured loan see info below, that are not displaying correctly on my Transunion Credit report, this is hurting my good credit history. 
Please update my Transunion profile with these XXXX accounts ASAP. 
Thank You XXXX XXXX XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Line of Credit Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$20000.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$19000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Payment History. 
. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 60 Months Monthly Payment {$260.00} Responsibility Individual Account. Balance {$0.00} Highest Balance {$13000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late 0/0/0
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I filed a recent complaint against American Express so this is a continued, new complaint. American Express is NOT following the acts that were passed due to the Coronavirus pandemic to protect small businesses and consumers! In XXXX, American Express totally SHUT DOWN use of all my credit cards ( both consumer and business ) WITHOUT NOTIFYING ME! So I was stuck at the grocery store trying to check out/pay for my food and my American Express cards were all DECLINED! One of our business accounts is not revolving and an XXXX payment was due. However, I'd called Amex and spoke with a rep who said we could still use all of our cards but just needed to stay within the credit limits. I was lied to then because they were SHUT DOWN. I then called back in and they put me on their ridiculous " Payment Relief Program ''. At that time, they told me that it's unlikely anything will be different on my accounts - but it would benefit me because I'd have lower interest rates, lower payments, no annual fees, etc., and would still have use of my cards within the credit limits given the necessary payments ( per the program ) were being made. I made the payments as required and even paid a bit more. However, when I went to use my cards again, I was DECLINED/SHUT DOWN again! So I called Amex again ( BTW, it takes at least an hour to get a hold of anyone and routed to another country where English is NOT the first language and it's very difficult to understand the reps ). The rep then informed me that even though I'd made my payments, that my cards were declined because Amex had DECREASED MY CREDIT LIMITS WITHOUT NOTIFYING ME! No one told me that as a result of entering into the program that my credit limits would be decreased. I was aware it could be a possibility, but they again lied to me because I later found out it's a MANDATE TO DECREASE CREDIT LIMITS as a result of participating in the program. Amex actually admitted to their mistake here. I then requested to be exited from the program because it was hurting me more than anything! I then exited the program last week and send an email ( one of many ) to their CEO stating exactly what the rep told me and that my accounts were ALL CURRENT and there's was nothing further I needed to do. However, I was SHUT DOWN again last weekend at the grocery store trying to buy food for my family again with NO NOTIFICATION. I called in again and spent another hour of my time and the rep said they put a hold on my accounts because I'd exited the program! LIED TO AGAIN! When will American Express be held accountable for treating their customers this way and during a pandemic! WHEN will XXXX XXXX TAKE OWNERSHIP for what's happening to his customers during this pandemic? WHEN will they stop lying to us, let alone support us?! Thank you in advance for your attention to this matter. I expect your involvement with help others experiencing this nightmare as well!
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (CA)

On XX/XX/19 I contacted XXXX Arc Home Loans in response to a message I received about my account. I was told that my payment had increased from {$2200.00} to {$2400.00} which is a {$210.00} difference and I was late on my payment. This was alarming as I had made my payment and we had no explanation or understanding of the increase. I was told by the customer service representative that there were insufficient funds in our escrow account, and we would have to make up the difference. She also stated that we are required by law to have an extra escrow payment in our account, which is not accurate information. 

Subsequently, I looked at our final settlement statement and discovered that there should have been a payment of {$3000.00} for our property taxes hazard insurance put into our impound account. I spoke to a XXXX escrow representative that stated she was able to see that only approximately {$700.00} was placed into our  account at closing and that is was, in fact, short. She said she would open a claim to investigate where the missing money went. 

I have also had to take an added step of requesting that my impound account be closed to avoid the increase in payment as I have lost confidence in the lender 's statement that they will reimburse my money when this is resolved. 

Upon reviewing my bill on XX/XX/19, I saw there was a late fee added to the still increased due amount, I called and spoke with another representative that stated our case was resolved and that we received a phone call and message on the XXXX. No phone call or message was received. She also stated that we received a check for {$2600.00} in XX/XX/XXXX and that is where the missing money went. This did not add up to the numbers in our loan documents. We did receive a check for {$2600.00} even and it had previously been explained to us that we would be receiving a cash out payment from the previous impound account with the same lender and we verified at the time that was the roll over check. 

After logging into my online account and viewing my escrow impound account statement, it appears that it started deficient as the money from the settlement statement was not deposited. 

I have also spoken to the title company and they stated the money was dispersed to the lender per the settlement statement. 

When I requested to speak to a manager with the company, I was told there were none available. At this point, I have received no logical explanation as to why the money is not in the account. In addition, I have received contradicting information for each person that I have spoken to and I am greatly concerned that it was marked as resolved without contacting us and with an inaccurate resolution.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to customer service regarding this issue and they would not help take care of the negative inquiries reporting to my credit report. 

Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Institution Information XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a mortgage loan with XXXX/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a mortgage loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late. There was an error on their part. I was never 30 days late.