davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (AZ)

I opened an HSA account with XXXX XXXXXXXX XXXX in XXXX. In XXXX, XXXX XXXXXXXX XXXX sold its XXXX accounts or business to Optum Bank. As part of this transfer, Optum Bank provided the existing XXXX XXXX Bank HSA accountholders with its assurance that the transfer of accounts will be seamless, which included an assurance that the current XXXX XXXXXXXX XXXX fee structure would continue to be applicable to our accounts. This fee structure provided a fee waiver in the event your HSA account ( cash and investments ) exceeded {$5000.00}. I have attached a pdf of the Frequently Asked Questions flyer prepared by Optum Bank evidencing this representation. 

Optum Bank honored its commitment until XX/XX/XXXX. My HSA account had a balance greater than {$10000.00}. In this month, Optum Bank charged my account a {$2.00} monthly maintenance fee and a {$3.00} investment fee. I contacted Optum Bank to contest the fees assessed with a reference to the prior representations made my Optum Bank. My request was denied. 

In order to prevent the continued erosion of my HSA account through this aggressive fee schedule, I closed my account ( allowing Optum Bank to charge me a {$20.00} transfer fee ) and transferred my account to XXXX. 

I have been diligent about monitoring my HSA account for fees that included at least one prior instance that a fee was assessed and subsequently reversed. I believe Optum Bank should be held accountable to honor its representations to the former XXXX XXXX HSA accountholders and they should be required to investigate and make public its findings as to any fees erroneously assessed on the former XXXX XXXX HSA accountholders and to make to pay any appropriate refunds and penalties that are deemed warranted.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Back in XXXX of 2018. My husband filed for XXXX  XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, XXXX XXXX, at that time immediately closed my account and reported the account as charged off. 

Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. 

While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. 

I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. 

This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

Synchrony bank closed my account although I never missed a payment. 
So I enrolled into a payment plan and requested several times for the collection rep. to ensure there would be no late payment reported with the new plan. Now my credit report showing two 60 day late payments. So I was told incorrect information and then to top it off Synchrony still sent in late payments to the bureaus. I made the minimum monthly payment under the plan as advised. I want to have the phone calls pulled the payment plan was made under and have the 60 days delinquency removed from my credit.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I was in the process of refinancing my Flagstar mortgage with XXXXXXXX XXXX and Flagstar sent the wrong payoff amount to XXXX costing me 14 days of additional interest @ {$16.00} a day for a total of {$230.00}. 

I closed my refinance loan with XXXX on t he XXXX of XXXX. On XXXX Flagstar sent the check back to me stating that the payoff amount was incorrect. I have their payoff statement and the check that was sent was for the exact amount they requested. 

I called Flagstar to inquire about why they sent me the check back and not XXXX and why the payoff amount that they sent was incorrect. The customer service agent said that an escrow payment was made after they quoted the payoff and that it is my responsibility. I agreed that I owe the additional amount, however, she could not tell me why this amount was not added to the payoff letter or why they would send it to my house and not XXXX Bank. 

I have no problem paying the additional Escrow amount, however, they should refund the additional interest due to their incorrect payoff letter. The payoff check for their payoff amount was sent to them on XXXX and it took me until XXXX to payoff my mortgage.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Goodmorning, My entire account was access through my stolen phone I had just received my tax refund my account was wiped cleaned within a day down to {$1.00} I contacted USAA and one representative helped me with the debit card part but whoever accessed my account had a way to send a wire to an outside bank which totaled the amount of {$3600.00}. I asked for information about who it was sent to or the bank it was sent to no one could tell me because of some policy but its like if your accusing me of these things I need to know so i can contact the institution myself. I dont trust USAA because I am m not understanding how they could have let something like this happen then treating me like I am a suspect. My phone was stolen so the representative asked me questions to the nature of how can this happen if it says you logged in from your phone ( as i stated and spoke with the previous representative my phone was stolen and with a apple id all your Iclouds are contacted thats the only way that would be possible so she was like there wasn't a password on your phone I'm like no thats my business phone and my property who would think someone is going to steal their personal items. long story short i no longer trusted my funds in the bank account no one offered to help me change my information besides the first representation when I first called to report the incident. They locked my account multiple times after they put the funds back from the wire, I called in so they would know it was me wanting to process to my outside bank for verification purposes which is XXXX bank they canceled my wire after i initiated it, called me and said they are closing my account because they think I'm some part of some fraud scheme which is okay with them closing it which I was going to do also after I got my money out of their possession me being a consumer how could y'all let something like this happen and then treat your customer like their the problem. by the end of the call the man said they will be holding my funds for 60 days because it takes 60 days to close which is a lie because I closed a savings account and it was closed within that same day I need help getting my funds that are owed to me and reporting this bank for misconduct. I feel as though this is a race issue with me being young and an XXXX XXXX  and within 2 months I have deposited over XXXX inside of the account every XXXX XXXX doesn't do fraud but I wont stop here everyone is going to hear this story. That is my child 's money at the end of the day and I wont stop until he get what is owed to him. ( USAA BANK )
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (AZ)

Adding to XXXX XXXX I forgot to attach another PDF file that clearly shows deceptive information given to me by phone as described in prior case # above. The new attached PDF file clearly shows the US Bank representative who signed the letter to me ( and was on the phone lying about the reason my rat was going up over 4 percent ).
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (NV)

I don't know if i got hacked or what, I pay off my personal loan back in XX/XX/XXXX, I never asked for another personal loan and why was i being charged XXXX? and it say personal loan on my account, i'm not sure what going on or who did this too me!
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

For several years I have AAdvantage Citi credit card with {$95.00} annual membership fee. Last year I wanted to close it yet the fee was reimbursed to my account after I paid {$95.00} using Citi AAdvantage credit card. I decided to close it this year. I called at least one month  in advance to membership expiration to initiate the closure process. Yet I was told I can switch my current Citi AAdvantage credit card with annual membership fee towards Citi AAdvantage bronze card with no membership fee. I was also told to pay {$95.00} fee, to wait about 90 days for the replacement card, which will have {$95.00} credit on it. Last week I received the replacement card/statement. The credit balance is only {$79.00}, and not promoted/promised {$95.00}. When I called Citi customer service and asked why the amount is lower than promised {$95.00}, I was told the amount was prorated. I hope Citi keeps customer conversation records because I asked several times if the total {$95.00} would be reimbursed and credited to my account, and each time the answer was Yes. If I knew Citi won't reapply {$95.00} back to my account I would close the credit card account with them back in XX/XX/2018.
Consumer complaint received 2018-07-10
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. (OH)

The Student Loan Company XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

My XX/XX/XXXXaccount and XX/XX/XXXX bank has been compromised. Transactions being made not authorized by me. Call bank speak to XXXX different ppl each time and can't get them to give me names or employees # 's. No documentation is being made on my accounts. Get transferred around not getting the issue resolved. Add {XX/XX/XXXX} on my XX/XX/XXXX Still don't have funds 4 days later. Been toXX/XX/XXXX4 times to fix this because XX/XX/XXXXis refusing to help. Even have them the reference # on the receipt from purchase that XX/XX/XXXX store XXXX told me to give XX/XX/XXXX.Then i. GaveXX/XX/XXXX the sequence and authorization #. STILL nothing has been resolved.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX6 2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Consumer complaint received 2022-07-07
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. (MS)

I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EVERBANK, NATIONAL ASSOCIATION (MA)

I transferred {$5200.00} dollars back in XX/XX/XXXX to my XXXX XXXX  account with TIAA. At that time, the company could not verify my identity and told me that the money would be placed on hold until I did so. I verified my identity shortly after, and was told that my money would be placed in my XXXX XXXX. I checked my accounts frequently after that exchange but did not see the money in my account, nor did the money go back to my bank account where I transferred the money from. It was XXXX at this point and I decided to wait since it was the holiday season. 

In XXXX, I called TIAA again asking about the status. The person I was on the line with said that I identified my identity too late ( even though they did not send me any emails about this issue, and I found it when I logged into TIAA myself and saw the message there ), and as such the money was being sent back to me. She said I would receive it by check through US mail in 2 weeks. I waited those 2 weeks and in XXXX called customer service again, and was told that they sent the check out. I once again said I did not receive it, and they told me that they will send another check out, and that I would receive it by XX/XX/XXXX at the latest. 

In XXXX, I had yet to see the check and decided to call customer service again. The person on the line said they saw I deposited the money, but have no idea where it went, and said they will call me back. I waited for 2 weeks again, and called customer service again, asking where my {$5200.00} was and when I can get it back. They are still in the process of finding it today ( XX/XX/XXXX ) as they called me the day before to update me on this. I am filing this report because it has been almost 5 months since I transferred my money over and I nor anyone I have spoken to seem to know where it has went. 

*The address on the bank statement attached has since been updated
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " XXXX '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education 5066 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Consumer complaint received 2022-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.