davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

XXXX : I placed an order for {$990.00} on the website to pick up in store, using a coupon. ( these discounted prices do not show up on the available receipt for some reason ) XXXX : I went to pick up the order in the store and only 2 of the 7 items were available for pick up ( {$200.00} adjusted order total on receipt ). 
XXXX : Credit card statement cut showing that I owe {$340.00} for the transaction. It seems like Home Depot shorted me about {$140.00}. 
XX/XX/2022 : I filed an investigation with the credit card company, but they told me that after investigation, they do not owe me anything.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit monitoring service with each credit service, XXXX and XXXX are using the vantage score XXXX with a XXXX score range same as Transunion. But XXXX & XXXX both have my score in the high XXXX but Transunion has my score at XXXX. I tried to get an explanation from several people from TU but only answer I could get from them including supervisors, was that it must be something on my report and they have a different rating system. The last supervisor I talked with could not explain and then began to argue with me. So I canceled my monitoring service with them because since late XXXX until current date my score with them has either stayed the same or gone down a few points when everyone else has gone up XXXX - XXXX points since I have 100 % on time payments and XXXX ballance on most of my credit cards. No late payments, only use less than 18 % of my credit at any given time and have had credit for over 15 years. Transunion could not give me any reason for their score going down or staying at the low #. The man I talked with said that the score had changed and since my membership just ended 2 days ago, I would have to pay {$9.00} for them to mail it to me. They could not tell me if it had gone up or down. I feel they are not doing their job and reporting correct information and everyone I had talked with was very rude with no people skills at all. I know that they are partnered with Creditwise which is XXXX XXXX and they are reporting my info wrong. I would like an investigation to their service. I also know that they want to charge {$39.00} for an all XXXX brueau report and the others only charge {$29.00} when you are a member. I am attaching a copy of my XXXX and I have a hard copy of my Transuinion if needed.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

For the last XXXX  months chime has blocked my access to my account with XXXX XXXX dollars. Ive talked to customer service many times Ive emailed support many times as well as sending all required documents as asked they still havent giving me access to my funds nor unsuspended nor allowed me to close my account
Consumer complaint received 2022-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I deposited {$740.00} into my Synchrony Bank XXXX account and when the funds cleared and were posted I was sent a ATM card that I activated but every time I try to withdraw funds I get a technical error saying come back later. 
I've spoken with 4 representatives and they just tell me that I'm under review?
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NJ)

I did not authorize this credit inquiry into my credit report. They checked my credit to be able to send me information regarding buying homes. I did not authorize them to pull my credit. The name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (GA)

I was being charged a {$36.00} insufficient fee on XXXX cents at Regions bank starting 2019. I went to a local branch and nothing could be done. They suddenly stopped but I was not reimbursed the money I was already charged.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (KS)

Multiple letter sent to companies involved from 2018 until present day. 

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 XXXX XXXX XXXX XXXX Equifax XXXX and 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 2019-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MA)

On XX/XX/2019 a transaction was made through the XXXX application in the amount of {$200.00}. I first contacted the app vendor, XXXX, themselves, who got back to me in a timely fashion and responded that, upon investigation, they determined I was the victim of fraud due to that transaction. XXXX replied that they had taken action against all of the fraudulent parties accounts through their app, but they had no recourse to reimburse funds frauded through their application and recommended I follow up with my financial institution and local law enforcement. 

Later that day I contacted Ally Bank about the account my XXXX was linked to and explained to them the circumstances surrounding the fraudulent charge. Ally   opened an investigation and assured me I would hear a response in 7 - 10 business days. After receiving no information or follow up from them, I participated in their online chat to determine what the result of this investigation was. I again explained the situation to the chat representative, who agreed that it was a case of fraud and recommended I submit the documentation from XXXX via secure message for Ally to review and overturn. I submitted that documentation, waited the 7 - 10 business days and still received no response. Upon contacting the financial institution by phone, I ultimately received the answer that a federal regulation allowed them to not have to take action regarding this incident. 

While I have never had a problem with Ally reversing fraudulent charges are communicating in a timely fashion prior to this, this entire experience has left a bad impression on my of both their customer service and commitment to customers. I used to work in the XXXX XXXX XXXX and am well aware of what financial institutions can and can not do. What they're willing ( or not willing ) to do is another story entirely and I will definitely be rethinking my status as a customer to Ally Bank in the future.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Hi, I utilized the pandemic forbearance plan offered by my lender, Mr. Cooper, to delay my monthly mortgage payment on my condominium in New York. I called Mr. Cooper to have the balance tacked on to the end of my mortgage as the forbearance plan was ending. They somehow have no record of this. I then asked them again to simply reinstate my monthly payment, and they have denied it and are trying to threaten me with foreclosure. I would like the CFPB to intervene and tell these frauds that they can not do this.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (GA)

I have a PNC SmartAccess prepaid card. On XXXX XXXX I tried to load {$1100.00} on the card at the branch ATM. I deposited {$600.00} then i tried to load {$500.00} more. A screen popped up saying i was exceeding my daily limit but gave me the option to enter an amount. I put {$300.00}. It accepted the {$300.00} but kept {$200.00} and didnt credit my account nor did it give the money back from the ATM. I immediately tried pulling the {$300.00} out thinking that it would give back the whole {$500.00}. It didnt. I called the number on the back of the card and filed a dispute. After a few days I call to check. The lady said they were still working on it. After 2 days I went into the branch in XXXX ga. I spoke with XXXX XXXX. She called and they said they were still working on the dispute and I should see something in my account within 4 days. I waited and nothing was in my account. I go back to the bank and spoke with the branch manager XXXX XXXX. He called and spoke with XXXX about it and she said today was the XXXX business day. He told her as per my agreement as the cardholder i was due a provisional credit. They hung up. I go home and I get a call from XXXX and the voicemail Message said I didnt have any dispute filed yet. I go back to the bank the next day and XXXX ended up getting the run around and I didnt get my money back still.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

My Citbank Home Depot account has been closed for several years. As it is closed I am not able to pay online, in the store, or by automated phone process. As a result I must mail in my payments and I believe Citibank is delaying the process intentionally. 

Recent examples : On XX/XX/21 I mailed a check in the amount of {$35.00} to THD with the envelope and payment stub provided. The due date was XX/XX/21. THD deposited the check on XX/XX/21 and it cleared my bank on XX/XX/21. I was charged a {$35.00} late fee. XXXX from XXXX, OR to XXXX, AZ should not take 15 DAYS! 

On XX/XX/21 I noticed that once again my check hadn't cleared my bank. When I called for assistance I learned that a collection agency was handling my account. I was also advised that my monthly payment isn't {$35.00} as listed on my statement. It's actually {$71.00} per month and I was behind. I made payment by phone to the collection agency in amount of {$130.00}. It cleared my bank on XX/XX/21. 

On XX/XX/21 I mailed a check in the amount of {$60.00} to THD with the envelope and payment stub included. It was stamped received by THD on XX/XX/21 and cleared my bank on XX/XX/21. The collection agency had no record of this payment when I called. Again, it shouldn't take 20 DAYS for mail to go from XXXX, OR to XXXX, AZ! 

I received my statement today and received another {$35.00} late fee and a bill for {$130.00} due by XX/XX/21 - which I'm certain will be late regardless of when I mail it given the recent trends. 

I'm convinced my checks are not processed in a timely manner and are being pulled for special handling resulting in a delay and more late fees for me. 

In addition, I was never advised a collection agency was handling the payments, nor have I received any billings from them. 

This entire situation is set up to make it impossible for me to pay on time and they are stealing from me through late fees caused by their own hand.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I filed a dispute with XXXX in XXXX XXXX XXXX on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with XXXX the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX  working my way up to a over XXXX score and all of a sudden my score has dropped XXXX points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

In Venmo I requested my nephew transferred me {$1.00} to my account for testing, than I transferred {$1.00} back to my nephew for testing. After that I requested my nephew to transfer {$990.00}. He transferred me {$990.00} to my account. My sister transferred me {$990.00}, {$1500.00}, {$520.00}. After that I tried to transfer it to my bank account from Venmo but they put limitations on my account and frozen it and asked me to submit the documents for proof on XX/XX/2022 and told that they will verify and remove limitations from my account with in XXXX business days. They sent me email that my identity is confirmed on XXXX XXXX. Still it didn't worked than I called on customer service and they told me to wait for XXXX days. But I got email from Venmo team on XXXX XXXX that : After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Even though we submitted all of my required documents. On XX/XX/2022 I emailed them for getting our money back as we were not doing any illegal activity. Still they replied the same that my account is being deactivated by them also mentioned that my emails will be no longer replied by them. 
On XX/XX/2022 I called in customer service of Venmo they told to wait for 180 days for our frozen money in Venmo.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS (MI)

3rd REQUEST FOR ACTION! 

I recently submitted several complaints to XXXX  & LexisNexis regarding a Chapter XXXX  bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX  bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. 

I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (NC)

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

Account Name XXXX XXXXXXXX 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 

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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

Fedloan " took over '' my XXXX  XXXX loans and I choose the graduated repayment option because with my job I get a small raise every year and that made fiscal sense. This disqualified me from public loan forgiveness ( which is not my main complaint ) which I did not know. My monthly payment was {$200.00} a month. I took some additional XXXX  classes and my loans went to deferment. Once I completed my classes my loans went into repayment status but Fedloan switched the terms and agreements without telling me FROM graduate TO standard repayment which jumped my monthly payments by over {$120.00} a month to {$320.00}. This happened early XX/XX/2019. I called to ask why they changed the type of repayment and them to let them know I did not have an additional {$120.00} a month but could still afford my {$200.00}. They would not help me other than telling me I make too much money for income driven but to refinance for another 10 years and that my interest rates would most likely jump so my payments would not actually be any lower than the current {$320.00}. 

So I reconsolidated with XXXX XXXX because they were the only financial institution that could get me back to the lower {$200.00} a month payment which I could afford. I made my XXXX payment with Fedloan. XXXX XXXX bought 3 of my 4 loans from Fedloan and indicated which specific loans they purchased when they sent the check in late XXXX. Fedloan claims they did not know what loans were being paid off and applied the {$12000.00} check to all 4 loans and then still charged me my full {$320.00} payment in XX/XX/2019. I called a few days before my XXXX payment was due and was told by a Fedloan representative my XXXX payment would not get pulled because they got the {$12000.00} check but it still got pulled. I have talked with four different Fedloan representatives all which give me different information. One told me my payment would not get pulled. One told me a refund would take 2-3 business days. One told me a refund would take 30-40 days. Three of them told me they did not know what loans the {$12000.00} check was for even though XXXX XXXX confirmed they sent a roster to Fedloan with this information. 

I understand customer service representatives have a hard job but Fedloan as a financial organization has been HORRIBLE to work with. Being lied to, given incorrect information and misapplying payoff money as well as pulling payments for loans that have been paid off is just a snapshot of my interactions with them in the past 5 weeks. If you have a choice DO NOT service your loans through them.
Consumer complaint received 2021-12-16
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Effective XX/XX/2019 DiTech Financial transferred the loan servicing to XXXX XXXX   XXXX XXXX XXXX. As of the XX/XX/2019 DiTech Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 XXXX XXXX shows escrow balance of XXXX. No statements have been received from either DiTech or XXXX to show the transactions causing the difference in escrow balance.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX