davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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 (FL)

The order was cancelled and the merchant has not delivered any goods. The contract clearly states that the merchant has to refund deposit in the event of a material breach of the contract by the seller. The merchant can not deliver to me the product I thought I was buying and that is a material breach of the contract. I have provided copy of the contract and I have provided the screenshot confirmation that the merchant is not going to deliver anything to me and the order was cancelled, however, Synchrony Bank still siding with the merchant. What do you call when you were provided no service and given no merchandise, but they took your money? You call them thieves. So XXXX XXXX are thieves just by pure definition of their actions! Synchrony Bank protecting thieves instead of protecting me from those thieves per our credit card agreement.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

This is not the first time that shellpoint conducts unfair business to me. 
Re : Loan : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To whom this may concern, I hereby object to Shellpoints increase in my monthly payment, stated in letter dated XX/XX/XXXX and complain about Shellpoints unfair XXXX to unreasonably increase my monthly mortgage payment. 

It was agreed by Shellpoint that effective XX/XX/XXXX, my mortgage payment included ONLY principal and interest. Shellpoint no longer held an escrow account for my loan : XXXX and I would be responsible for making my own insurance premium payment. 

On XX/XX/XXXX when my required hurricane insurance payment was due, I made a payment myself to XXXX. See attachment 1. 

On XX/XX/XXXX, and XX/XX/XXXX, I loaded my updated hurricane insurance policy to expressinsuranceinfo.com TWICE, per Shellpoints instructions, to show that I have indeed effective hurricane insurance. See the email confirmation I received in attachment 2 and 3. 

Still, on XX/XX/XXXX, Shellpoint charged me {$170.00}, for hurricane insurance, creating a negative balance on my escrow account. See attachment 4, with transaction highlighted. 

I have called Shellpoint to complain, only to experience call being dropped after 20 minutes of waiting. 

So I have used Shellpoint website 2 times, to report the issue. Each time, I ended up receiving a postal letter indicating that Shellpoint request additional time to respond., on XX/XX/XXXX and XX/XX/XXXX. See attachment 5. 

On XX/XX/XXXX, I received a postal letter from Shellpoint indicating my monthly payment will be increased due to the escrow balance that Shellpoint created by mistake. See attachment 6. 

Shellpoint does NOT have right to increase my mortgage payment because 1 ) I have made the insurance premium payment myself and 2 ) I have timely uploaded my proof of valid insurance policy to the website that Shellpoint directed me to 2 times!!! 

Shellpoint has internal procedural issues. I have repeatedly inquired, complained, and reported the issue. I should not pay for XXXX mistake. 

I object to the increase of my monthly mortgage payment and request that the escrow balance of - {$170.00} on my mortgage account, loan number : XXXX, to be wiped out. 



Sincerely yours, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Citibank Visa Card - A fraud alert was turned on when I tried to purchase travel tix. The citi not only blocked the transaction, they blocked the card. No email, text or phone call was made to me to check if it is me making the transaction. I called the company and they stated they can only send a letter in the mail. I requested overnight mail and was refused. I offered to go to ( citi bank ) local office and show my ID to prove my identity and was refused. The bank stopped all my credit cards. No reason was given. 
I have had Citi Card thru XXXX for several years ( at least XXXX years ). The balance is always paid in full within 30 days. 
I asked to file a complaint with the customer service rep and was refused. The customer service rep stated that is their security procedure so they can't file a complaint against it. 
The bank shouldn't have the right to inconvenience me despite my offers to resolve it by providing the security info they needed. 
I have to wait for their snail mail to get here, which could be XXXX days. In the meantime, no credit cards with citi are working. Never been late on payments or even carried any balance over 30 days. I feel like I'm being harassed and inconvenienced. 
Thank You for taking this complaint on my behalf.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/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 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MS)

On XX/XX/2023, I uploaded {$25.00} to my XXXX XXXX Chime Card. This was a cash deposit/upload performed via XXXX. Later that night I initiated a {$25.00} payment to XXXX XXXX XXXX. On XX/XX/2023, there was a statement on the top of my online Chime Checking Account that stated that XXXX 's transaction had been removed. However, XXXXXXXX XXXX Chime failed to return the funds back into the checking account. XXXXXXXX XXXX Chime XXXX functions as a XXXX XXXX XXXX just like the XXXX XXXX XXXX at XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX etc. On the other hand, XXXXXXXX XXXX Chime Card fails to deliver a itemized monthly statement - as all United States Banks are govern to do - showing the subtraction/balance/deposit/balance as is rightfully awarded from banks such XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX This practice of XXXXXXXX XXXX Chime violates the Amendment IV to the Bill of Rights of the US Constitution because they fail to give their customers the right to feel secure in their papers as is provided by other US Banks. This practice of XXXX XXXX Chime violates the American Citizen 's Right to the Amendment I to the US Bill of Right, because their telephone practice prohibited and abridged my freedom of speech. The robot of which XXXX had answering the phone failed to connect me to customer service - I had to choose identity theft in order to speak to a human being. XXXXXXXX XXXX Chime violated my rights and all citizen 's rights to the Amendment IX of the US Bill of Rights because they deny us this right that is given to us from banks of the United States to have a fully itemized monthly statement of which is a right retained by other US banks.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA Federal Savings Bank failed to prevent my account from being taken over and caused a check not authorized by me to be deposited. They permitted XXXX transactions totaling XXXX to occur in my account and stated that they investigated and quickly determined the fraud was me, they specifically said I committed fraud and Im failing to see how I am benefiting from this in any way. They have hung up, been rude and on numerous occasions told me the same phrase the conversation is not productive when they dislike a question that requires and intelligent answer. I am XXXX of thousands of victims of USAAs inability to protect their members and rather than disclose or fix their deficiencies they are passing those costs and then some onto banking customers. I am formally requesting that under the debit card ach protection laws I am demanding my money be returned at which time I will close my account with USAA and call that relationship a 15 year horrible experience. Over XXXX people have been victims of this exact fraud and been told it was them, I reported to USAA through my research I was told by USAA to do that the information I submitted was not only relevant but could only be deemed as a threat from USAA to dismiss and make me not report that credit/debit cards with names, addresses, emails and phone numbers were being leaked on multiple telegram channels and they advised that my name would be on the report for submitting it to the Abuse email for USAA to report fraud that I uncovered. This level of criminality is directly linked to the employees who were indicted in XXXX of 2024 that USAA refuses to acknowledge is a wider issue within the company.
Consumer complaint received 2024-07-03
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: AMERICAN EXPRESS COMPANY (CA)

I have literally tried to use these amex gift cards everywhere and the only place that would accept is XXXX and have nothing more to buy there so want amex to cash out since they advertise that these are accepted anywhere amex is accepted which is bogus or in the alternative I am asking the CFPB disallow AMEX from stating these gift cards are good anywhere AMEX is accepted. 

I filed a XXXX  complaint and they do not provide anyone to speak to and they responded stating these gift cards may not be able to be used for cash out and or online if online retailer does not allow split transaction. This does not answer why I have been unsuccessful at using in store as well. 

I also find it crazy that even if you can use to buy items it is almost next to impossible to get the final remaining small amounts off of these gift cards so I would love to know where all of those funds go if they are never used?
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION (AL)

On XX/XX/XXXX, I received a notice from my mortgage lender ( First Bank XXXX ) that they were having problems getting proof of insurance and that there was a lapse in coverage. So I reached out to my insurance agent to see what was going on and was told that my insurance agency had sent out a premium notice in XXXX to First Bank. They also sent out another notice on XX/XX/XXXX letting First Bank know that the policy was at risk of being cancelled. My insurance agent then stated that he would send everything over to First Bank again to get it resolved. 

On XX/XX/XXXX, the insurance agency I was using cancelled my policy for non payment. So I worked with my agent to open another policy with a different agency. Because of the notifications there was a three week gap were there was no insurance on the dwelling. 

In XXXX, I received a notification that I was being charged an additional premium to pay for an insurance company that the mortgage lender decided to use. So, I reached out to the lender and they claimed that they never received the correspondence from the insurance company. When I gave the individual the information on the letters they claimed that the mailing address was wrong and that was why they hadn't received notices. After talking to my insurance agent, and verifying previous communication with First Bank over multiple years, it was determined that address had been since the first insurance policy had been enacted with First Bank. There was never a reported communication issue with First Bank to either myself or my insurance company. Also, according to my insurance agent the payments that are received are also from the same address that the premium notices were mailed too. 

When I tried to get into the details on why previous bills were paid using that address over multiple years the agent hung up on me. 

So my insurance agent is showing me where, not only this years bills were sent to First Bank, but where multiple years had been sent using the same address. First Bank has made those payments over the years without a problem and without notifying me that the addresses were wrong, but now I am having to pay for the non payment by my lender from an escrow account that they manage.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I file a dispute for unauthorized chargers from XXXX. I contacted Chime and filed a dispute. Within XXXX  days Chime says my dispute was denied. Yet when I contact XXXX they agree the charges were not made by me. XXXX stated no one has contacted them from Chime, yet I was denied. I called Chime and ask the reason why I was denied and they would not tell me. They kept saying wait for a letter in XXXX  days. Well I need to file with the XXXX  and the police report XXXX  days is too long especially if the reason why I was denied has already been generated. Dispute # XXXX
Consumer complaint received 2023-09-02
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC. (MD)

Earlier this year Caine and Weiner could not find an account in my name. I disputed after I found out it was on my consumer report. I never received any documents from this collection agency. As of today I saw a notice it was placed on my XXXX account. Once again I was notified by mail or phone call. They just placed this on my consumer report. After multiple attempts for the credit bureaus to have this removed because they never informed my by mail or phone to give me a chance to dispute the account. I am requesting you tell the credit bureaus to delete that account because they are in violation of my consumer rights. They need to be fined for these placing inaccurate information on my reports.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I paid my loan off in full with Mohela approximately XXXX of this year. 

Mohela made an autopayment from my checking account after I paid in full- the account overpaid, and I was owed money. 

Mohela said the money will be returned to me within 6 months. 

Mohela 's new portal has no history of payments, says my loans are paid in full, does not show the overpayment. Mohela continues to owe me money and does not have any records of my payments and the overpayment available. 

I want my money
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I am unable to pay my bill. First National Bank of Omaha refuses to allow me access to my bank account, not even to let me deposit money to pay overdraft, fees associated with overdraft, or even their credit card monies owed.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (FL)

i contacted this company to resolved my problem, but unfortunately was impossible because they should relief us the interest and payment due to be in disaster area of hurricane " Irma " in XX/XX/2017 as the federal government establish. 
so this bank First National Bank Omaha in my account XXXX XXXX XXXX XXXX charge me interest in this period with not relief at all. 
i want to report this issue in other to advised others in this problem thank you
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

on XXXX XXXX I checked my account with Wells Fargo and saw {$23000.00} taken without my consent and approval on XXXX money is rightfully and legally mine that I got from my XXXX insurance.I have proof of ownership of the money. I have XXXX income for the rest of my life and I have XXXX XXXX  to support plus I am XXXX and have serious health issues.I have my own expenses to take care. I saw that Wells Fargo and XXXX XXXX has done this to my account.They are after money I called the banks with no solution.They have no issue directly with me. 
I filed a police report, reported cfpb and informed Attorney General 's office. I asked XXXX XXXX XXXX  to return money back to my account. They said they have no issue with me.I feel I am treated unfairly unjustly. I want legal charges against the bank. I want the justice system to hear me and give me justice before they take my money away. I am XXXX and victim in this case. 
XXXX XXXX