davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I am writing to report a serious issue with Chime Bank regarding the unauthorized deduction of {$5000.00} from my account. Despite my repeated attempts to resolve this matter with the bank, I have been met with unhelpful responses and delays. 

On XX/XX/year>, Chime Bank deducted {$5000.00} from my account immediately after I made a transfer. I followed all requested identity verification procedures, provided the necessary documentation, and cooperated with their requests for information on the sender and recipient of the funds. Despite my compliance, Chime Bank continues to withhold my funds and accuses me of violating the Deposit section without providing any evidence or explanation. 

I have contacted Chime Bank numerous times, both through phone calls and emails, sending over XXXX emails in total. However, I have not received a satisfactory resolution to this issue. I feel frustrated and helpless as Chime Bank repeatedly gives me the runaround and refuses to provide any proof of my alleged violation. 

I am seeking your intervention and assistance in investigating this matter and ensuring that Chime Bank returns the {$5000.00} that was wrongfully taken from my account. I can send attached copies of my communications with the bank and any relevant documentation for your review.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

Please assist me. 

" APPLE CARD - GS BANK XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX The company continues to report the fraudulent account on my credit report. 
Please investigate this.
Consumer complaint received 2024-08-26
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> XXXX XXXX charged my CARE CREDIT account {$1200.00} for a lower partial. By XXXX since the partial was still not delivered I canceled the charge with the CARE CREDIT and submitted a notice to the provider at XXXX XXXX that I would no longer be seeking dental care at their office. 

I am now on my fourth dispute with CARE CREDIT regarding this charge. Today I was informed that even though I submitted a notice to terminate my dental care at XXXX XXXX that the provider did not accept my notice and that I was still responsible for the charge of {$1200.00}. Never have I ever heard of such nonsense and the dental contract does not state the Provider " must '' accept my notice of termination. I never received the lower dental partial that I was charged for in XXXX of XXXX nor have any additional dental visits been made after XXXX of this year. I am going in circles with CARE CREDIT and they should be investigated as to why they fail to protect consumers from such fraud as what was committed against me by XXXX XXXX.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/scrub>, 2024, application was submitted to Capital One XXXX, on my behalf, by XXXX FL, for an auto loan in the amount of {$52000.00}, as consideration and for my benefit, yet I have been unlawfully denied credit, which, according to the United States, I have an inalienable right to. I have full capacity to contract and anything else, prohibiting me from such freedom is constituted as unlawful discrimination, as I reserve my right under the Federal Equal Credit Opportunity Act and in good faith, exercise my rights under The Consumer Credit Protection Act. 
I am being directly effected by this violation of the Federal Reserve Act that states that XXXX XXXX notes, to be issued at the discretion of the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX, for the purpose of making advances to XXXX XXXX XXXX, through the Federal reserve XXXX, as hereinafter set forth and for no other purpose, are hereby AUTHORIZED. Such application shall be accompanied with a tender, to the local Federal Reserve XXXX  of collateral, in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. MENTALLY, this is taking a toll on my XXXX. I am also being limited to working, due to lack of transportation. My right to choose is being impeded upon and damages are occurring due to this.
Consumer complaint received 2024-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (TX)

On XX/XX/year>, the area which I live was impacted by hurricane XXXX, causing a natural disaster XXXX XXXX issued a moratorium for 90 days to any and all banks trying to issue foreclosures. My home was impacted by XXXX  XXXX, causing significant damage, which has left me unemployed and trying to pay for damages. I have explained and written letters of appeal to U.S. Bank mortgage company in regards to the natural disaster that impacted my home. I requested a forbearance and the bank is refusing to allow my home to be a disaster forbearance. I have tried communicating with this bank since XX/XX/XXXX, filling out all the necessary applications for loan assistance, and also filing an appeal against decision for a short sale. This bank has been playing games with me for the last several months. I fill out applications for loan assistance get all the information to them then they tell me that I have to fill out another application for Assistance. I have been going back-and-forth with this bank for over a month the disaster for XXXX that I am XXXX to under XXXX XXXX XXXX. Please help me get this resolved with U.S. Bank, who is highly unprofessional at this time and refuses to abide by the law that was issued by XXXX XXXX regarding a XXXX  for all homes affected by hurricane XXXX in XXXX XXXX, Texas
Consumer complaint received 2024-08-26
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage on my home that includes escrow payments for taxes and insurance with Wells Fargo ( WF ). I pay my mortgage a month ahead to avoid any inconvenience. However, WF is supposed to pay my insurance. It stated that the necessary amount was paid on XX/XX/year>. It is 2 days before the past due for my insurance. After that, I received a letter from the insurance that they did not receive payment and that they would cancel insurance on XX/XX/year> if they did not receive the payment. I called both insurance and WF. WF said they send a check and they will only consider an action after 30 days. This means that my insurance could be canceled with a great probability. They rejected any discussions of any other solution. I paid my insurance myself. The insurance promised to reimburse me if they received the check from WF.

I don't know what is going on in WF. I don't think they care if they can hurt their clients. It was supposed to be taken care of without me being involved. Because it was supposed to be a transaction between WF and insurance without me. But I had to be involved and had to find money to pay again for something that I partially paid already and was threatened with losing my insurance. I think WF 's actions violated the agreement.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/XXXX I received an email from USAA stating that if I applied for the credit card by XX/XX/XXXX I would receive 0 % interest through XX/XX/XXXX. I applied through that Email XX/XX/XXXX XXXX. I charged {$7500.00} to that card XX/XX/XXXX. 

I have now been charged interest in both XXXX and XXXX. 

I have called 4 times and both times the resolution team can see I applied during an offer of 0 % interest. But that has been XXXX  effort to correct the interest I have been charged totalling {$260.00}. 

I have forwarded them the email twice to prove that is the offer I received. But It seems I have been bait and switched. They offered me a 0 % interest offer and then left me with 21 %
Consumer complaint received 2024-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frost-Arnett Company (OK)

Phone call came in as XXXX XXXX XXXXXXXX. The said they were debt collector from Frost-Arnett debt collectors about a medical debt they said I owed from a specific date. This date that they gave me was the correct date of a medical procedure that occurred. Since I had not received a bill about this I called insurance that said they had paid all charges. Then called the hospital who said not only did I not owe any money for this but that was not the debt collector they use.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

Im just going to state thoroughly how disappointed and frustrated I am with the horrible job that this bank has done with the security of my account and the process that they are putting me through to rectify this. Not only did this horrible institution allow a scammer to gain access to my account but also to get in and change personal information details such as phone number email and etc. Ive been trying to get access to my personal account now going on XXXX days now and have gotten absolutely no luck with this and no help whatsoever from the account recovery team. Ive attached the correspondence from with Ive attached my photo state issued ID XXXX different times and all were rejected for not specific reasons. And I keep being asked to go back and do it again and again and again and again. I dont know how you people sleep at night knowing how awful you made an already terrible experience that much worse. I been with usaa XXXX years I will never again once I do get this thing situated hopefully eventually.
Consumer complaint received 2024-09-10
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc. (NM)

Demanded statement of accounts not to be confused with account statements. billing error and impoper payments. Demanded proof of Funding in regards to all {$1300.00} payments made within the cash app to another cash app memeber also a payment to XXXX  XXXX and revenue for {$3300.00} erounously dishonered as well as {$1800.00} XXXX payment that shows they have recieved credit for both of those amounts and provided customer service with copy of UCC 3-603 and public law 73-10 and provided them with library of congresss certified copy of statues at large and cited truth in savings act and provided certificate of trust and Form 56. Cash app non compliant and two checks mailed from ny bank has not been credited and when asked about it they said im sorry i dont understand can you provide me with more information and since im the beneficiary they have failed to do as instructed and have not addresed billing errors or improper payments and no explanation why checks mailed by my bank not by my hand with proof from bank checks for {$9000.00} each and funds have been deducted from account already so i need proper credit and proof of funding for every {$1300.00} payment made to XXXX XXXX XXXX my landlord is claiming payment not recieved and for some reason Cash app is dodging request and avoiding my concerns leads me to believe they are not able to produce and if thats the case and i know it is they must issue credit regardless of dollar amount they recieved credit so how can they figure i am not entitled to same.
Consumer complaint received 2024-08-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (CA)

Direct Express by Comerica Bank is the agent that administered the social security XXXX, I file a police report which detail the theft situation I have, I lost my DMV and social security card and Direct Express think I am someone else who make the call to close the account, so far I could not access the direct express debit card and may not get the benefit in XXXX. 
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

THIS LATE PAYMENT ASSESSED ON XX/XX/year> IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I have a Citibank XXXX cash card and there was a merchant offer of 10 % back on XXXX car rental. This offer was enrolled before XX/XX/2024 and had an expiration date of XX/XX/XXXX ( screenshot shows expiration and associated card last XXXX ). The transaction was made with XXXX car rental for {$110.00} on XX/XX/2024 ( screenshot shows transaction on last XXXX of card on top ) and as per the offer terms, the cashback was supposed to credit within XXXX weeks. As of XX/XX/XXXX, the cashback has not been credited and I have made at least XXXX different communication with Citi and most agents are not aware of merchant offers or can see the past offers. After an escalation was made, Citi sent a snail mail telling they do not have record of this offer and to send front and back copy of the offer. This proves the agent handling this " escalation '' did not even understand the concern. Merchant offers are in-app digital offers and do not have a XXXX XXXX so the question of sending front and back is irrelevant. After following up with a supervisor on chat after this they said that Citi reserves the right to refuse eligibility when they deem so there is nothing they will do. After exhausting all options and spending hours with Citi, I have no option but to officially log a complaint.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (NY)

XX/XX/year> {$XXXX} XXXX XXXX fraudulently charged a membership fee and proceeded to withdraw funds from XXXX Account without my permission. 



I proceeded to contact the customer service agent and escalated the issue to the supervisor to no avail. I was in contact with them for 4 hours, and proceeded to be transferred to multiple times each time having to reiterate the same issue. I even contacted my bank and provided a transaction id to no avail. XXXX XXXX began making discriminatory remarks, even after providing my name XXXX XXXX, XXXX XXXX continued making derogatory remarks calling me Latravis. They proceeded to apologize and I thought nothing of it. Thats when support staff continued to make underhanded comments regarding race and ethnicity. 

At this point I didn't know where to go, I am aware {$XXXX} isn't a substantial amount of money but I am a college student so things begin to add up.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (UT)

My husband and I used XXXX to book a vacation through XXXX. We had numerous issues and ended up reporting this charge as fraud after confiding in our bank. We spoke to someone in the fraud department at XXXX XXXX XXXX XXXX and ended up discussing the details. She told me that we most likely would not receive the full amount but she would try her best. 

We initially paid the full amount on XX/XX/2023 for XXXX. The XXXX loan was completely paid off. Then in XXXX, after trying to work with XXXX for 2 months, and not getting anywhere, we reported this charge to our bank. Who then on XX/XX/XXXX, put the full {$6700.00} back onto our account after working with XXXX. We were told that this was our money and that XXXX could not request the money back since this is how much they decided to refund us. 

Fast forward to XXXX, I received a phone call from a collection 's agency stating that we owed XXXX money and it wasn't paid, so now we are in collections. I told the collection 's agency our situation and they stated they would send this case back to XXXX  to review. I have not received ONE phone call from XXXX asking for payment for my loan. I am confused why it was sent to collections in the first place since this scenario was cleared with XXXX and XXXX XXXX XXXX XXXX. 

My husband and I went to apply for a business loan for our small family-owned business today and were denied since this claim has now negatively affected my credit. I need this cleared up with the credit bureau ASAP. 

XXXX is now requesting evidence of fraud when this was discussed with XXXX XXXX in XXXX of 2023. Why would XXXX disperse the money back to us without checking into the situation first? XXXX sent our bank the money to pay us back. See the amounts attached with dates. It has been a year and this should have been resolved and never been an issue. 

I have used XXXX  for many large purchases and have paid them off in FULL and I do not appreciate the lack of communication on XXXX  's end. 

My husband and I are now in collections with another agency, TrueAccord Corp, who we have sent the SAME information and dispute letter from XXXX XXXX. We thought this was resolved and now this is really affecting our credit for our business.
Consumer complaint received 2024-08-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MO)

They said nail holes and other holes in walls. We had no other holes in walls. Damage in pantry no damage in pantry. They said we owe on utilities. I signed in to utilities we owe XXXX. Dog urine on living room rug we had vinyl floors in living room. The bedrooms had rugs we lived there over 7 years I understand by laws they have to be replaced. Spots on Walls normal wear and tear. They said the stove was dirty it was spotless I have a picture of that and a lot more
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (LA)

In XX/XX/XXXX we entered the XXXX XXXX program. I was given a letter on XX/XX/XXXX advising that I successfully came out of the XXXX program and that ALL past-due amounts would be approved for a payment deferral where ALL those payments get put at the end of the mortgage. The letter explicitly states that XX/XX/XXXX will be the start of the monthly payments coming out of the XXXX XXXX. 

However, US Bank incorrectly reported the XX/XX/XXXX and XX/XX/XXXX as LATE to the credit bureaus even though US Bank never attempted to assess a late payment which is further evidence that they incorrectly reported this to the credit bureaus. 

I would like this to be immediately remedied by US Bank and an apology letter sent so that I have proof that this has been immediately resolved.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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.