davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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. (FL)

I opened a credit builder loan with XXXX XXXX Bank in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. XXXX does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that XXXX had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be zero. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. XXXX had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet XXXX continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from XXXX.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (ID)

I started my refinanace process in XX/XX/XXXX. I have excellent credit and NewRez seemed to put me on the back burner I'm guessing because rates were falling. My loan was suppose to close on XX/XX/XXXX and NewRez did NOT have my numbers correct - mainly Escrow amounts. They delated a bit longer until we finally closed in XX/XX/XXXX. It was an awful experience to have an incompetent person at NewRez not able to do simple math to get my loan closed after taking 3 months on a clean refinance. I do not feel this was handled correctly. My guess is they were pushing loans through at 2 %, when mine was locked at 2.5 %.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We noticed unauthorized charges on our USAA credit card on XX/XX/18. We notified USAA fraud department about these charges and to cancel our card. There were 4 charges at 4 different XXXX XXXX in a matter of a few hours apart in XXXX. All 4 transactions were for over XXXX each. We subsequently called XXXX XXXX ourselves, and they were able to tell us that each of the unauthorized charges were for XXXX XXXX gift cards at each location along with other misc. items XXXX totaling over XXXX ). XXXX XXXX also provided us with the times that these transactions took place. We were not in XXXX on that date or those times, and have always had possession of our card. We assumed the matter had been handled, and we would not be responsible for these charges, since there is a " no liability '' clause in the credit card agreement for unauthorized charges. 
On XX/XX/2018, we noticed the same charges for over XXXX total back on our account. We received NO notification via phone, email, or text as to why the charges were showing up on our account again. We once again, called to cancel our card thinking it was more unauthorized charges. These charges reappeared well over 2 months after we reported them. When talking to the fraud dept., to our surprise, we were told that they could not see fraud on those charges since a chip had been used, and " cards with chips have never been compromised ''. We informed them that we were never out of possession of our card, so that can't be correct. We thought we were alone, but after reading a large number of complaints online about the same thing happening to other customers, we realized there is a serious problem in the USAA banking fraud department. My XXXX had been with USAA for over 40  years and has never encountered such a thing before. We are not responsible for these charges. We need oversight on this company for our sake and the sake of other XXXX families that trusted USAA. We are doing all that we can to rectify this wrong that has been done to us. We have filed police reports, contacted local police where each of the charges occurred, and have been working with XXXX XXXX to get as much information as possible. We were never told what investigations had actually been done by USAA, only that chips can't be compromised. This is not just a few dollars, it is over XXXX dollars and our excellent credit rating is in jeopardy, because we will not pay for something we did not receive. To be totally dismissed by the fraud department is a warning to everyone to get out of this bank as soon as you can.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Our loan was sold from XXXX XXXX to Rushmore Loan Management Services around XXXX. We have always been on automatic payment draft for years and the payment was drafted automatically from our checking account. For some reason as soon as Rushmore Loan Management Services took over the loan ; the automatic payment draft dropped off and they stopped taking the payment out of our account. From XX/XX/XXXX through XX/XX/XXXX we had many various medical emergencies and were under the impression that the payment was taken out automatically without delays. Come to find out in XX/XX/XXXX that they have not drafted the payment since XX/XX/XXXX and they have destroyed and damaged our credit with a 90 day late. We brought the payment up to current status immediately as soon as we found out and have tried to appeal to Rushmore Loan management Services in regards their late payment reporting which is not our own fault. Our complaints fell into deaf ears and Rushmore is not willing to do anything for us to fix their error. We have had our loans in the past sold to various companies and have never had this issue. The automatic payment has always continued to occur upon the transfer of the mortgage.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (OH)

In XX/XX/XXXX I applied and received a Barclay Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted Barclay to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called Barclay back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because Barclay has been reporting me late every month. How can this be when they take the money automatically each month. I called Barclay that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called Barclay again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Claim # XXXX was closed with no resolution. 
My response, XXXX was a minor when the account was initiated, so the only number you would have on file is mine and I have not received an alert nor confirmed any transactions. Id like to know what number this alert was sent to. 

In addition, in one of my conversations with customer service, they claimed my son called in, was authenticated, and requested a credit for an ATM transaction. You neglected to address that. Was the PIN changed in any of those calls? And what information was used to authenticate him? 

According to an XXXX XXXX article, XXXX XXXX XXXX, it is very possible for hackers to steal PIN codes from a retailer. If I am correct there were several transitions from retailers, XXXX and XXXX XXXX before larger withdrawals were made. 

You can not provide video recordings from your ATM, nor can you prove that my son or I made these charges. 

Furthermore, I had four accounts with Chase, # XXXX is NOT an account that I own. 

As you can see from my history, weve had a steady income. Nothing has changed that would be a motive for us to commit such heinous acts. 

I came across another article that further validates that my account could have been hacked, and possibly by a Chase banker. XXXX XXXX XXXXXXXX On XX/XX/XXXX, my husbands payroll deposit of {$2200.00} was deposited and the same day the account was restricted. The balance was then transferred to the account ending XXXX, along with the balance in XXXX account ( which I believe was {$19.00} ). Again, we were not notified. And after I called to inquire and filed the executive office complaint, then all the accounts were closed and XXXX was created. 

Chase, youre the fraud!
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (VA)

XXXX  XXXX turned me over for collection on an account that is not mine. My account number is XXXX. The account they are trying to collect on is XXXX. I talked to the collection agency and they have my social security number and address linked to the wrong account. I believe XXXX XXXXXXXX somehow merged two accounts and that's how this started. My address is XXXX XXXX XXXX XXXX There is also a XXXX XXXX XXXX in my neighborhood. The XXXX XXXX property was sold in 2021. The gas would have been turned off and on at least three times during the process. The family that lived there sold to a contractor who flipped the house and then he sold it. 

In the summer of 2021, I heard a noise on the gas meter side of my house. When I went to investigate, there was a gas company employee there kneeling beside my meter. I asked what he was doing and he said he was there to turn on my gas, but then he said it was already on. I asked what address he had and he said XXXX XXXX XXXX. I explained that he had the wrong house and he went to the correct one. It is not uncommon for us to received packages and mail, even pizzas, at our house that were sent to XXXX XXXXXXXX XXXX  That has been the same for over 30 years. XXXX  XXXX has failed at every level to fix this, and now they have turned me over for collection on a debt I don't owe.
Consumer complaint received 2021-06-07
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)

XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to Equifax and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

In the last year XXXX XXXX I deposit the two check to the regions bank, but they holding my check and lock my account, when I communicate the banker, they said the check not sure is good check or bad check, let me verify the check is clear, I dont know if they not sure the check is clear can call the that bank, but they told me bank cant communicate to the bank, so I get the statement approved the check is withdrawn is paid, but they said still not sure let me waiting, waiting one years didnt release my money just hold and lock my account
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc. (FL)

I opened a credit builder loan with Brigit/XXXX XXXXXXXX XXXX in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. Brigit does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that Brigit had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be XXXX. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. Brigit had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet Brigit continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from Brigit.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLIANT CREDIT UNION (WY)

On XX/XX/2022 between XXXX and XXXX I went to a ATM machine at XXXX XXXX XXXX XXXX XXXX Colorado and attempted to make a {$5000.00} deposit as my bank is out of state so my credit union referred me to make my deposit at XXXX. 
I put my ATM card in the machine and then inserted the cash, The ATM started making a weird noise and spit {$2800.00} back and kept my ATM card and my cash with no receipt. 
I did not leave that machine, I called my bank they took down my information and assured me I would get my money back and they would give me a previsional credit in the mean time. 
On XX/XX/XXXX I logged into my account and my credit union took {$2200.00} back saying the case is closed and the ATM owner has no record of my debit card ever being used at that ATM, The machine ate my card they have my card, XXXX at Alliant Credit Union says I'm out {$2200.00} I asked if they did a count of the ATM and she said no that the case is closed. Please someone help me. My credit union could care less and when I asked XXXX if there is a chance I would not be able to get my money back she said the case is closed not caring at all.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sir Finance Corp (FL)

Trying to get a mortgage, but because of the way it's being reported I keep getting refused. My house is sold so I need to get a mortgage or I'll be out in the street, without a home. I'm a XXXX person and my husband was a XXXX vet. ( he's passed away ). It needs to be reported as an installment loan.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

Let 's start by saying that this complaint is related to my previous complaint that was open with the CFPB. Which is related to a case that is opened on my fiancee 's account. His case number is XXXX - XXXX, XXXX XXXX. The initial dispute case is XXXX. Since his request for a contact back to discuss this further has still been unfulfilled I am now forced to open another complaint. 

We have received the response from Chase stating that the merchant gave them documentation showing that the item was delivered to the address we have on file. This is simply not a true statement. This package has been confirmed now by XXXX separate customer service agents at XXXX on XXXX separate occasions that it was not delivered to our home at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

In addition to support that this is a false claim the tracking information only provides that it was delivered to XXXX XXXX XXXX so how they can confirm that it was delivered to our address, without calling XXXX is completely baffling me. XXXX XXXX XXXX is the city of XXXX people, the fact that the address is not on the tracking information, is even more reason for a call to be completeld. I do not understand why they are not required to contact fedex to confirm this information. 

This has gone on so long that I am now 2nd guessing myself and I have now contacted XXXX a XXXX time. Still when I give them the tracking information and the address that it should have been delivered to they confusingly say no mam, that is not where it was delivered. 

They can not give me the address in which it was delivered for security purposes which I understand they don't want me showing up at somebody else 's house to get my package that should have been delivered last year around XXXX time. 

At this point this is based on principle alone, and the fact that people are being too lazy to confirm this information. I now feel as if we have been ripped off by 2 separate companies this should have been a very easy claim to review. The package was never delivered to our address and if somebody would pick up the phone and call XXXX at XXXX XXXX they can confirm that tracking XXXX did not get delivered to my address. 

We have tried to contact Chase to resolve this on our own. We contacted the executive office who was working this case. We never got a call back. I know that there's a time frame involved with this process. So now hopefully we can get the actual personal attention that we need to feel comfortable about this situation.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

This account became fraudulent due to someone who broke into my vehicle and stole my person information, they stole my social security card my license and my debit card, & cellular phone.I do not owe any of this debt because it is FRAUD. Said people cashed multiple checks and made my account negative but took out the funds. Now I can not open another account with wells Fargo because of that risk.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

I have a current account with Nissan/Infiniti

, and has been paid on time as the agreements stated. The account that they are reporting as a " settled account '' was never in collections or never a repo. I sent them a letter to investigate it and the letter I received back is basically telling me they cant locate the account they need more information. I dont have more information, it's what THEY are reporting to the three credit reporting agencies. It appears to be an account from 2016, which is over XXXX XXXX XXXX. 
This account needs to be removed from my credit report. Ive included a copy of the letter sent to them, their response, and a copy of the credit report. 

As you can see on the credit report there were XXXX late payments. XXXX is the only one that is reporting it accurately.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reached out to Capital One via XXXX and their toll free number back in XX/XX/2022. My accounts were acquired from ING Direct. All my accounts were set to XXXX XXXX ( taking out the XXXX and last day of the month ) since that was the option I had set when with ING. I had to change my external checking account so to my dismay XXXX XXXX option was not a Capital One option. I tried explaining that the system did it because it was transferred in that way, so there should a way to recreate this without setting up manual transfers. I just gave up but decided that this should be addressed. Furthermore, my accounts from ING are only get 0.30 % and the Capital One account is paining a much higher rate. I was told that I would have to close all my existing saving accounts to get the higher rate. I reached out again in XX/XX/2022 and they told me the same thing that they can not manually adjust the interest rate or offer the Semi Monthly option. My issue is that if you acquire accounts, I am now a customer and should get the same rates as your other accounts. They are offering the ING Direct accounts that they acquired a lower rate than their existing customers. I feel that this is very dishonest and I should get the interest rate that was applicable at the date of transfer.