davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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 (CA)

XX/XX/2023 XXXX XXXX XXXX scammed me of {$84.00} I never received the service I have filed a police report on fraud as well as a recorded phone call with the merchant. And the bank will not stop the payment from the merchant. I should be in control as to what and where my money is spent if I said I was scammed why should I have to wait for the merchant to get my funds back? when u can stop payment after all it is my money and I shouldnt be able to be scammed that easy with no rights.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

I completed a transaction for {$260.00} for the Nevada DMV with my debit card. That day the transaction was posted on my account right away as pending. That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. This is the second time that they do this to me. 

When the bank system is updating the bank disappear transaction that were pending before and looks like the company canceled the transaction or something. 
This bank is always like that when system is updating, also I am unemployed and they do this to still money to the customers. But if this complaint does no fix the issue I will proceed with legal complaint in the court since I was informed that US Bank do updates in their system after XXXX XXXX but they never let the customers know or notify the customers in the mobile app.
Consumer complaint received 2018-03-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (CA)

We have an account with Navy Federal Credit Union. While navigating around online, we decided to check out applying for a loan to buy a new car. Our lease was up in XX/XX/XXXX so we needed to get something else. We did the online application and received an approval of a loan for {$25000.00} at 3.6 %. So we started to shop around. We made a phone call to confirm the loan approval. We were never told that the percentage rate would fluctuate so drastically. 
On XX/XX/XXXX we found a used XXXX XXXX. We made a conscious decision to buy within our budget well under the {$25000.00} so our monthly payment would be affordable to us ( around {$400.00} a month ). Shortly thereafter we received paperwork from Navy Fed increasing our percentage rate up 130 %!!! We realized that it may be raised a bit, but from 3.6 % to 8.1 %?? When we called and confirmed the loan approval we were never informed that this ( 3.6 % ) applied to new cars only. We feel blindsided and upon calling Navy Fed they were no help to us. We would have never bought a used car for this price. We are now paying a extra {$3000.00} in interest charges. Making the car a ripoff!! It already has XXXX miles on it. We probably would have leased a new car or did something very different with the financing if we knew this information before signing for this car loan. Our question is why wouldn't Navy Fed tell us to call them before signing on the dotted line??? If it was a 5 % difference we would not have bought that car. 

We would love to just give the car back because the good deal we work so hard at creating just isn't that great. Any help you can provide will give us peace of mind that we tried to work things out with Navy Fed ... a wonderful banking institution, but this is creating a bad business relationship due to this car loan.
Consumer complaint received 2020-06-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

I received a notification from XXXX that my credit score dropped due to a new collections account from National Credit Adjusters on XX/XX/XXXX. The debt shows as a new collections account but the alleged debt is from XXXX. I called National Credit Adjusters and they advised they reached out via phone several times. I have not received one phone call or voicemail from NCA. They also mailed a letter that would have allowed me to dispute this/get more information/settle to an address that I lived at 2 years ago. This was sent straight to collections and dropped my credit score 42 points without me having an opportunity to dispute/clarify. I called NCA the same day and they are not willing to delete this record while I have an opportunity to dispute and/or clarify the details of this collection account and potentially settle. NCA has shown no flexibility on this matter considering the information they used to reach me was clearly outdated and incorrect. This can easily be verified.
Consumer complaint received 2024-06-06
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. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Account Name : XXXX XXXX XXXX Account Date : XXXX XXXX Account Amount : {$7000.00} Account Name : XXXX XXXX XXXX Account Date : XX/XX/year> Account Amount : {$940.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response.

Thank you Resolution I want the transactions blocked and deleted from my consumer report.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

From XXXX to XXXX I was charged fraudulent overdraft fees exceeding well over {$XXXX} when wells Fargo Bank was located on the corner of XXXX XXXX & XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX I mean, personally I don't see how I could continuously be charged fees if my account wasn't being funded, but whenever I did receive funds, they were illegally taken to settle outstanding trumped up fees occurred while I was unemployment at the time
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (NJ)

Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.
Consumer complaint received 2023-06-28
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DE)

I made payments to XXXX XXXX commenity bank on : XXXX for {$30.00} XXXX for {$50.00} XXXX for {$30.00} None of these payments has been applied. I sent each payment through my XXXX XXXX XXXX. XXXX XXXX submitted a check on my behalf. All the checks were cashed but not applied to my account. I feel I that I was cheated out of {$110.00}. I filed a dispute with XXXX XXXX  XXXX about the monies being sent but not applied to my childrens place account. I received a case number XXXX for the XXXX dispute. 
I made an additional payment to XXXX XXXX for {$35.00} because the missed payments caused my account to be delinquent and to negatively impact my husbands credit.A supervisor  XXXX at XXXX XXXX XXXX XXXX took the payment of {$35.00} with a confirmation # XXXX.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Ive disputed this account ( XXXX XXXX ) about six times for the last six months with the credit bureaus reporting fraud. I contacted the company and they sold the account to a debt collector which is now saying I owe them {$5900.00} but the account is still reporting on my credit report with a balance of {$4800.00}. I asked the company and credit bureaus several of times to send me verification of this account because this account is not mines and I want to know how did they verify this and I havent gotten a respond.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint - Request for Assistance in Reopening Dispute Claim for over {$7500.00} Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and seek assistance regarding the closure of my bank account last XXXX # XXXX claim for over {$7500.00} merchant name, XXXX, before the resolution of a dispute claim involving unauthorized transactions that I strongly believe were a result of fraud. 

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can confirm that I have conducted a comprehensive investigation involving my other bank account H & R Block Spruce account. Enclosed with this letter, please find supporting evidence from these investigations. The evidence clearly indicates fraudulent activity associated with the transactions in question. 

The closure of my account has resulted in significant inconvenience, and I am concerned about the impact on my credit and financial stability. I have attempted to resolve this matter with the respective banks directly, including Bank of America, but to no avail. 

I kindly request the XXXX XXXX XXXX XXXX intervention to facilitate the reopening of the dispute claim and a thorough investigation into the fraudulent activities outlined in the enclosed evidence. I believe that a fair examination of the facts will contribute to a just resolution of this matter. 

Enclosed, please find the supporting documentation from the investigations conducted by XXXX XXXX XXXX XXXX account. I am prepared to cooperate fully and provide any additional information necessary to assist in the resolution process. 

Your prompt attention to this matter is greatly appreciated. If further details or documentation are required, please feel free to contact me at XXXX or XXXX. 

Thank you for your time and assistance in addressing this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Issues with ESCROW account - This loan was closed with no escrow by XXXX XXXX XXXX XXXX. This loan was immediately sold, with no escrow, to Select Portfolio Servicing Inc. My monthly payments are {$800.00}, I have been paying {$990.00} every month where {$190.00} should be going to principal. 
For whatever reason this mortgage company has this mortgage as 'with escrow ... ''. After months in XXXX of my trying working with them they agreed and said that they will credit my account. I continued making regular payments. Just now, XXXX XXXXI found out that this company has put my account back as 'with escrow ' and paid for my property insurance, while I'm paying my insurance and property taxes. I have tried again working with them since XX/XX/XXXX, I have made numeruos calls and in every call I spent about an hour on the phone, going through circle with too many clerks and supervisors, I sent numerous faxes and I am getting back piles of generic mail, 99 % not related to my issue except for two letters stating that they refuse to remove my escrow and the other is my new amount to pay ... including escrow ... .how come ...? My mortgage was fixed-rate ... 
My loan originator has tried contacting, by email, several higher level personnel - unfortunately, no response from anyone of them. 
I have exsausted every option and now. Ashtonished and desperate I am asking for your help. 
I would like to know, from the biginning, ( 1 ) how much I deserve in credit and how can I receive my money back, ( 2 ) how much went into my principal paying {$190.00} additional every month and ( 3 ) eliminating this escrow account once and for all. Suportive documents are available. This company handles another mortgage account on another property of ine and I would like to verify that numbers there are correct as well. Thank you!
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

Paypal Mastercard by Synchrony Bank has a continual ongoing problem, posting my payment correctly, or at all. I have several accounts managed by Synchrony, yet, this one account has an issue ACCEPTING my payment. This month was the worse ever and has cost me over {$50.00} in interest and late fee, and according to the representative today, a 30-day late applied to my credit report, which I still do not understand. Payment was due XX/XX/XXXX, and today in XX/XX/XXXX, that is not 30-days late. Representative stood me down, that 30-days starts from the date my previous payment was due. 

WHY?!?!??! does Synchrony follow a completely different set of rules than any other financial provider? 

I was told today that Paypal who is now owned by Synchrony, per the representative today, had a " known payment application problem '' - yet still wants me to have my bank send proof my payment could not be sent and without such I am not entitled to reimbursement of fees and interest. WHAT A XXXX. 

Just refund my finance and late fee, REMOVE any false reported 30-day late, as I was because off KNOWN PROBLEM, 16 days late, but only found out today, when I got a text message to " get your account back on track '' - I thought what the heck? Back on track, I have no balance, well little did I know. 

And honestly, if you Synchrony hates their consumers so much, let me know, so I can take my business elsewhere.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX at XXXX a checking account was opened under my name at Bank of America. I woke up to several emails from Bank of America saying that my email had been verified, account was in process, and then that the account was open. I do not have any accounts with Bank of America. I called the number on the email XXXX. They then gave me a number to call XXXX. I spoke with a man and he said an account was opened. He asked for my info including my social security number which made me uncomfortable. He flagged the account and then said it was closed. I just want to make sure this is legit. I have frozen my credit and reported to the government.
Consumer complaint received 2023-01-23
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to XXXX.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 

I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it. 

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate. 

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher. 

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARS Acquisition, LLC (MN)

XXXX credit reports i have an outstanding balance of {$770.00}. The company name that shows up is Car Financial SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Everytime i call i am told there is no record and then i am hung up on. 
Which I did purchase a vehicle at XXXX XXXX in XXXX XXXX XXXX Mn. in XXXX. Paid off by XXXX.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have had an on-going dispute with Citi since XX/XX/XXXX. In two letters dated XX/XX/XXXX, and XX/XX/XXXX, ( see attached ) the Executive Response Unit has stated that my account received temporary credits and that I  requested a refund check while the investigation was in process. I have had limited access to my account since it was closed, I believe prior to XX/XX/XXXX, and I did not have access to print statements. I had requested statements a couple times and did not receive them. I requested them again on XX/XX/XXXX and told it could take up to 30 days to receive them. To this day I have not received my statements from XXXX XXXX or Citi. 

I was not aware that my account was turned over to collections until XX/XX/XXXX, when I received a call from XXXX XXXX with XXXX, XXXX XXXX XXXX. Mr. XXXX was responsible for getting my XXXX XXXX /Citi monthly statements from XX/XX/XXXX - XX/XX/XXXX. 

After receiving my monthly statements on XX/XX/XXXX, I sent the attached XXXX XXXX XXXX XXXX  letter, which included my XX/XX/XXXX XXXX XXXX/Citi statement as proof that a temporary credit was not applied to my account and that Mr. XXXX XXXX and the XXXX XXXX XXXX  had lied to me and to the Consumer Financial Protection Bureau. I don't believe lying is a trait listed in Citibanks Code of Conduct. 

If you have any questions or require additional documentation, please contact me.