davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

In XX/XX/2023, I received XXXX gift cards as a gift, which were not properly activated at time of purchase. I called the customer service and they gave me instructions to send in documentation so they could activate the cards. 

In early XXXX, XXXX, I submitted all the documentation required for them to review this issue and to activate the cards. 

In XXXX, I received an e-mail from the companay stating that the cards had been activated. However, when I try to use them I am told they are not activated. 
And, when I try to check the balance of the cards on mybalancenow.com I get a " system error '' message. 

I have now called the customer service number more than 6 times since XXXX. Each time they look up the case number tell me that they will elevate this request so that this will be fixed in XXXX hours, and each time nothing is done. 

I have now had {$400.00} in useable gist cards for 4 months, and its clear to me that this will not be handle properly or promptly by the company.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

Back in XX/XX/XXXX, I received a package from XXXX that was completely destroyed and opened. Inside were the incorrect shoes from what I ordered. I immediately contacted Discover with a dispute. XXXX ended up lying and claimed that I stole the shoes and never returned them. So, Discover sided with XXXX and would not give me my refund. Months later in XX/XX/XXXX I received the right shoes from XXXX and contacted XXXX to get a refund. They approved it and I shipped the shoes back. From there I learn that someone at XXXX XXXX stole my package so they can not refund me. I contact Discover again and they still will not let me win the dispute. It was a purchase of {$210.00} shoes. I am desperate for this refund because I do not have the shoes and it is not fair that I can not get a refund for something that was never my fault to begin with.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Chase bank closed my personal checking account at the beginning of XXXX ( XXXX or XXXX XXXX ) without the details reason provided. When I was called their backdoor customer service agent at first, I was told that I will receive the refund check of remaining balance in XXXX calendar days ( or say XXXX business days ). There is nothing shown at the date they suggested. Then the above progress repeated when I called them, they said XXXX more week, still nothing received. When the last time I called them, they told me there is no exactly time frame for the refund this time.
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

The response from the company is not accurate. Apple never contacted me at the phone number provided. The transactions disputed were fraud my phone was compromised and the purchases were made. The disputes were resolved in favor of the merchant that is correct however they went based on that because shows transaction was made and it was. However transaction was not made by me. Despite me contating the merchant they still accused me of lying and made me pay for transactions I did not make. So the company never took a word I said seriously. And on top of everything I have a debt for fraudulent transactions I did not make.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XX/XX/2023 I made a payment online to Selective Portfolio Servicing ( SPS ) of {$1600.00}.

During the payment processing I checked the box that assigned that payment to the " Accumulated Fees '' balance rather than " Regular Payment ''. That balance at that time was {$1600.00} so the payment was deliberately and specifically made to payoff that Accumulated Fee balance in order to apply for refinancing with another lender. 

By selecting the payment be applied to fees should have had the same effect as writing " For Accumulated Fees Only '' in the memo of a check, which is analogous to the XXXX Draft payment I was authorizing. 

Following their internal " policy '', SPS did not apply the payment as instructed but to a regular payment instead, now leaving me with having to pay those accumulated fees a XXXX time in order to move forward with the refinancing. 

Attached are a PDF receipt for the original payment to SPS, and a screenshot showing their XXXX XXXX and how one selects where the payment is applied.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (IL)

I got back ground check from checkr On XX/XX/XXXX It says I goes to New York My name is XXXX XXXX and I have like another not legal name my ex marriage name XXXX XXXX XXXX years old My daughter name is XXXX XXXX she is XXXX years old goes to college in New York. 
So please update this because in the previous background check they were clearly mixing XXXX XXXX with XXXX XXXX where XXXX XXXX is XXXX years old and XXXX XXXX is XXXX years old Have DMV fix it or the source that have this mixed like that I noticed they detailed temp driver license not sure why they call it incident It's like when we renew our driver license they give us temp one till they mail the driver license.so it's like why it got detailed in such ugly style XXXX and XX/XX/XXXX So they detailed the zip code XXXX it's not new York Thanks
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (IL)

When the mortgage was with XXXX XXXX, I called about getting my XXXX  removed. They sent me a letter that explained what I needed to pay to have the XXXX  removed. I paid the additional amount to get to 80 % XXXX and have the XXXX  removed. Before I could confirm that everything was in order, XXXX XXXX sold the mortgage to MrCooper and would not talk with me any longer.

I chased and had to call MrCooper every other week for 2 months in order to get the principal payment applied to my mortgage. Finally, the payment was applied to principal ( which should have occured before XXXX XXXX moved the martgage to MrCooper ). Now when I ask if I paid XXXX  while the mortgage is at MrCooper, the MrCooper folks tell me I paid {$44.00} over 2 months to XXXX. I requested they refund the money to me. They explain that according to their notes over the last months, I did not do what was required and when it was required. They will not refund the {$44.00} to me, explaining their process was satisfied.
Consumer complaint received 2023-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I have a checking account with Chase Bank actually XXXX  accounts XXXX  I have direct deposit one I do not have direct deposit because on the third account I don't have direct deposit I have to make XXXX purchases a XXXX keep from getting any fease I'm making the purchases which bills Are being paid on that account monthly so I am making a XXXX purchases but at the end of every month I keep getting this {$12.00} and sometimes I sent the XXXX and XXXX and XXXX again I don't look at my account too often last month I looked at the account and they had been doing it for months even though there has been XXXX purchases every month white clock work But they continue to take that XXXX dollaresult for a fee for not making the purchases I contacted Chase Bank a month ago they credit me all the {$12.00} fees But again last month The fee was charged to my account again when I looked at my statement this is a ongoing situation I am unable to close the account because I have to come in to a branch to close the account as well as my son because I was the payee of his account when he was receiving social security Besides that the closest branch is XXXX and a XXXX hours away there's nothing closer and they would not do it over the phone so to me this is a loose loose situation I contact them over and over again and they keep putting my money back but they shouldn't have to do that if they would stop giving me the fee and I'm making the required purchases I would appreciate your services on helping me with this problem Thank you so very much
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Back on XX/XX/XXXX  I sent in my ftc letter to have them remove united auto credit from your credit report and they have not removed it from all three of my credit reports. I sent it to XXXX XXXX, Equifax and XXXX. It is still showing on my credit report as of XX/XX/.
Consumer complaint received 2023-10-03
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: CITIZENS FINANCIAL GROUP, INC. (CA)

In XX/XX/, I was notified by XXXX that my Citizens Bank Retail Loan, was reported delinquent by 30+ days. I attempted to log into my account, which normally doesn't work due to systematic issues, my Auto-Pay was Enrolled, my Paperless Statements were turned Off, and my contact information was current. I contact my bank who confirmed no attempt to pull transaction was made. I contact the Creditor immediately the next day, on representative claimed they " emailed me a notice about my outstanding debt '' when I asked why they would email me if I have paperless disabled and to furnish a DNS report showing they emailed me since no paper statement was received, no phone call, no notice app, they couldn't send one. 

I spoke with XXXX XXXX from the Chairmans office and filed multiple disputes with XXXX. They then marked me 30+ days late on XX/XX/ when my due date was XXXX XXXX XXXX I disputed yet again, they fixed my XXXX remark, temporarily removed my late payment in XXXX. 

XXXX XXXX my account some how magically went back to paperless after 2 months of Citizens saying they corrected the account. Citizens furnished a document stating there was in fact no banking error on their end, however have yet to furnish ANY proof of notice to collect a debt, couldn't explain as to why my payment didn't pull, nor why my account was switched to Paperless without my authorization. 

This remark has marked my credit by 70+ points negative and no explanation as to why other then " you missed a payment '' despite my account being on file and not pulling, and being able to prove tot them that their is a systematic issue which is why my account has repeatedly switched to Paperless with out my authorization at any point.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AR)

In XXXX this year, I made a purchase with Ashley furniture. I decided to make this purchase on a new Ashley store credit card via Synchrony, partially due to the advertising promotion that I would receive a {$100.00} visa prepaid card by mail so long as I met the following conditions : purchased over {$2900.00} of more, new credit card, valid for purchases between XXXX and submitted a claim by XX/XX/23. I met all of those conditions : purchased over {$7000.00} of products, purchase date of XX/XX/23 and filed the claim on XX/XX/23. Despite submitting a claim, after waiting 1 month I received an email response saying it was invalid. No explanation. After inquiring for more detail on why I was invalid for the claim, I have been in a holding pattern for more than 7 months waiting for an update. Specifically, the email response was that it was escalated for further review and that is the ONLY explanation I have received over the last XXXX months, despite following up, calling over 3 times, and asking for more information on when it would be resolved. As of the last ask for a status, I did not even receive a response AT ALL, despite the automatically reply that they would get back to me in XXXX business days - it has been XXXX weeks. I am very frustrated with the misleading marketing materials and may have chosen to use my personal XXXX XXXX credit card for my purchase to get the points if I would have known they would not honor a promotional offer they highlighted to me when I signed up for the card!
Consumer complaint received 2024-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

On XXXX XX/XX/XXXX, a loan disbursement unauthorized or requested by me was made to my XXXX XXXX XXXX account in the amount of a deposit of {$39000.00}. No document was posted to my account which USAA always does before a transaction like this. I was out of the country during this time and someone tried to transfer the funds out on repeated occasions and finally on XXXX XXXX USAA conducted a miscellaneous debit for the remaining funds that were in the account. On XXXX XXXX, USAA removed {$1000.00} from my Classic Checking account ( with no explaination ) which placed me in an overdraft position and USAA charged {$300.00} to my USAA Visa Card. 

I had no knowledge of the events in my account until XXXX XX/XX/XXXX when USAA notified me that my XXXX XXXX XXXX  account balance went below {$1000.00} ( as I had requested years earlier ). I was in XXXX at the time and immediately checked my account online and discovered the activity that had taken place. I contacted USAA about the discrepancies on XXXX occasions while in XXXX and was told information was passed to XXXX. When I returned home to the United States on XXXX XXXX, I again contacted USAA and was told that I would be contacted by Fraud in XXXX or XXXX  days. I XXXX put in ( XXXX on the website, once with a USAA rep ) requests to have the credit card charge suspended pending the outcome of the investigation. XXXX  it has been rejected by letter from USAA. 

When I got home, I discovered letters from USAA approving the loan of {$39000.00} in my wife 's name. This was not possible as she was with me in XXXX and has no knowledge of the affair. So someone opened an account in her name at USAA and conducted the fraudulent activity I can't seem to the attention of the fraud department. The reps answering calls have been courteous but it seems they are limited on what they can do.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Identity theft inquiries need to be removed. proof attached previously. 
Accounts closed by me once realized situation. XXXX not even opened for a month. 


XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (OR)

My last and most recent CFPB complaint was filed by me due to my lender, Mr. Cooper, listing my home for sale while they were still working with me to get financial help to save my home. This shows that there was no intention to help me. Mr. Cooper didn't inform me that I needed a copy of my divorce decree until they responded to my last CFPB complaint. This is even though I was in email contact with XXXX XXXX, of Mr. Cooper at the time. Then in their response they stated that they would cancel the sale when I sent a copy of the divorce decree. I sent the document on XX/XX/XXXX and spent XXXX dollars certified mail to get it there by XX/XX/XXXX. The certified receipt is # XXXX XXXX XXXX XXXX XXXX. Mr. Cooper has yet to cancel the sale. They did postpone the sale 30 days but the sale that never should have been started lingers on. They lied to me and they lied to CFPB. When they postponed the sale they still had my completed package for financial help. It was in their hands well before their 37 day before foreclosure sale rule. I need the sale stopped and my packet reviewed. I had major financial hardship and have proved it many times to Mr. Cooper. I'm not sure why they won't help. Another complaint is that Mr. Cooper has cut me off from communication. Their fax number for me sending documents doesn't work. I have witnesses showing that I used the write number. My emails don't get answered. Calling never gets me anywhere. I have been reduced to trying to communicate and sending documents through the XXXX. I can't get any answers. They seem to be ignoring me so they can sell my home. I need help
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On the XXXX of XX/XX/XXXX I had went to my bank mobile app and noticed that there was an ATM check deposit in my account of {$2500.00} and then another one of {$1500.00}. The location of these transaction were made in XXXX CA when I live in XXXX XXXX and was working at the time. The only one that has access to this account is my son and he also lives in XXXX XXXX and was here as well. Right away they took out {$480.00}, {$2500.00} and then {$1500.00} and then {$3000.00}. I right away called the bank and they closed the case because they thought it was my son but my son does not have an atm card for that account. They opened it again and then they closed it again and then they opened it again on XX/XX/XXXX saying they will get in touch with me within 10 days and nothing ever happened. Those checks were also not in my name and not only did they take those checks money but they also stole my money that i had on that account and the bank has not done anything about it. I am currently - {$1500.00} because of it. They also closed my account.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

This loan was opened due to identity theft. Ive disputed with all 3 credit bureaus sent all supporting documents including ftc, report police report and more law state item must be blocked, and deleted from credit report apon receiving all accurate documentation also must be furnished with company pending further investigation m. To this day I filed multiple disputes reached out to company and nothing has happened d.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

A few weeks ago, I spoke with a representative at US Bank regarding my business credit card account, and she said that she could simplify my account by adjusting the account from " central billing '' to " personal billing ''. She intimated to me that the adjustment would be quick, simple, and free, as she said NOTHING about any charges associated with the adjustment WHATSOEVER. 

A month later, US Bank assessed a {$75.00} charge against me for making the account adjustment. 

I never authorized the adjustment for {$75.00}. Had I known that the adjustment would cost {$75.00}, I never would have gone through with it. 

By charging me the {$75.00}, and refusing to refund me, I believe that USBank has employed an unfair and deceptive trade practice.