davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, I called Citibank to renew my certificate of deposit ending, which matured on XX/XX/year>. I was quoted a rate of 4.65 % for a 6 month CD, and was told it would be processed on the date of maturity, XX/XX/year>. At no time was I informed that the rate that the representative quoted could change, and I entered into the renewal on the basis of a 4.65 % rate. 

On XX/XX/year>, I called in to check in on the status of my CD that was being renewed because I did not see any update on my account. The rep I spoke with said it would update in a few days after my grace period, but she saw my CD renewal. 

On XX/XX/year>, I noticed my CD rate was incorrectly reflected at 3.75 % because I was quoted 4.65 %. The representative said that my CD renewal was processed on XX/XX/year>, and that per the notes from the initial representative I spoke with, my CD should have been renewed on XX/XX/year>, the date of maturity, when the rate was 4.65 %. It is unacceptable for a trade to be processed 2 days after the date it was supposed to be effective, and which is an operational error that should be rectified. 

The representative agreed and said that she would submit an investigation and it shouldn't be an issue for it to be updated and that I would hear back in XXXX weeks. At this time, had I known that the 4.65 % rate wouldn't be honored, I would have chosen not to hold up my funds in a 6 month CD and would have removed my money, because I was still within my grace period. 

I have had subsequent calls to the Citigold number checking in on status, opening cases and escalating cases on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, with no satisfactory resolution, and no updates that have been provided via mail or email. 

At the time of the original complaint, my Citi relationship manager was XXXX XXXX. He reached out to me and we spoke on XX/XX/year>, and said he would work on the complaint and have the rate updated and any amounts that were previously owed would be something he would manually update on his end. On XX/XX/year>, I received a voicemail from XXXX indicating that he was still working on it. I have reached out via email to XXXX on XX/XX/year>, and XX/XX/year> asking for an update and received no reply. 

I noticed that my relationship manager changed to XXXX XXXX, and I reached out on XX/XX/year>, XX/XX/year>, XX/XX/year> via email and received no response. 

I have asked to change my relationship manager to someone who is more responsive, and have not received a response. 

I was quoted a rate that was not honored. I have reached out and followed up multiple times, and have received no response. This is unacceptable and a misleading banking practice, and needs to be investigated. 

I would like the 4.65 % rate I was quoted to be honored on my CD, and any rate difference I received for the duration of the 6 month CD to be repaid in full.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. Please Remove Immediately. 

XXXXXXXX XXXX XXXX Account Bank : USAA Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Bank : USAA Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX. 
Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX
Consumer complaint received 2023-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

In XXXX.i had loans and called to be in school deferment or forbearance. I was at XXXX XXXX XXXX in XXXX  and was banned from my classes due to a loan in default. they garnished my tax return the following spring for XXXX including a XXXX fee for reselling it. there was a subsidized and unsubsidized and only one got sent to deferment but they missed the other which was not my fault. I should never have lost my XXXX $ tax return
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

I pay {$95.00} a year for the XXXX XXXX XXXX Credit Card through Chase Bank. As I have a couple of different Chase credit cards that offer far better value for travel, including on XXXX, I still have this card only because it gives me XXXX XXXX XXXX passes per year to use, so I'm being charged {$95.00} a year for XXXX lounge passes. 

On XX/XX/XXXX I attempted to use the XXXX XXXX at XXXX XXXX, but Chase is denying the use of any day passes because they've shut down most of their lounges at XXXX ( their major hub ) and can't handle all of the traffic at the club that remains open. This is completely a management decision, and XXXX could handle the traffic if they kept their other clubs open, but they've decided against it. This was not an issue of limiting acceptance of passes for a few hours that day, which is allowed in the terms and conditions, XXXX has just stopped accepting all day passes right now for an extended period, which is not part of the terms and conditions. As I am paying for a product I am unable to use, due to a change in the product offerings, I want a refund of the {$47.00} that the unusable day pass cost me. 

Despite bringing it to the attention of Chase that XXXX is currently not accepting passes, nor are most of their advertised lounges open, Chase is still selling this product with lounge access, even though they are now aware that their members will not be able to use the product that they are purchasing from Chase, which is purposeful fraud.
Consumer complaint received 2021-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (HI)

I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (UT)

Diversified Adjustment Service, Inc sent electronic notification of a debt that I sent a debt validation request requesting information on the alleged debt including a request of the original contract with my signature. I also informed them to cease and desist contacting my numbers. They have continued to contact me via email and by phone calls. I have again requested the representative to cease and desist contacting me and she hung up on me without verifying the cease and desist would be confirmed. Additionally they have failed to send 100 % verifiable and 100 % accurate information of any contracts with my signatures on it to confirm that the debt is valid.
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting act, 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.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MT)

I have not been able to log into myequifax.com since XX/XX/XXXX after an angry, rude, and incompetent Equifax employee CHANGED MY EMAIL ADDRESS ON MY ACCOUNT WITHOUT MY PERMISSION... TWICE! 

I now either get an error that I have no account, that the account is locked, that my password is wrong, or some other circle of error messages that won't let me log in. I called back the company and just got another rude agent who told me there's no issue on their end. This is my second complaint to the CFPB, I have also opened two cases with the XXXX neither of which were answered. 

HOW CAN EQUIFAX DENY ME ONLINE ACCESS TO MY CREDIT REPORT?? 

HOW IS IT NOT ILLEGAL TO CHANGE MY EMAIL ADDRESS TWICE WITHOUT MY PERMISSION?? 

Why are there rude jerks who barely speak XXXX with access to my credit report and personal information???
Consumer complaint received 2022-12-19
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. (TX)

I previously submitted a claim to XXXX XXXXXXXX regarding an account that I do not agree with the amount and the dates reported, and from my last complaint XXXX XXXX stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to Equifax and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.
Consumer complaint received 2022-06-17
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-06-17
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 XXXX XXXX Account # 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 an account without my written instructions
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: EQUIFAX, INC. (PA)

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Between XXXX and XXXX, our business account 's bill pay feature was hacked and XXXX separate transactions went through that were not authorized ( see below ). We immediately reached out to Wells Fargo to alert them, and they began their own investigative process. After their review, they rejected the fraud claim on the basis that it was through their secure XXXX XXXX feature. We have never used the XXXX XXXX feature in the past or since this unauthorized use, and the credit card associated with the transactions is under a name ( XXXX XXXX ) that has never been associated with our business or the business address. In addition, our account had been flagged for numerous fraud attempts earlier in the summer and spring. We provided additional documentation to appeal Wells Fargo 's initial decision, and they rejected it once again. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-09
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. (IL)

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.
Consumer complaint received 2022-12-19
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. ()

In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

My PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I cant reemive my funds I mail and call them but they dont want to help Please help me out I need my money My email is XXXX My name is XXXX XXXX
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NY)

Truist Bank ( email : XXXX ) RE : Loan Modification Agreement # XXXX for XXXX XXXX XXXX, XXXX, Connecticut XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX I informed the Truist Bank that I, XXXX XXXX XXXX, who is co-owner of the property XXXX XXXX XXXX, XXXX, Connecticut XXXX, I could not and would not sign for a Loan Modification Agreement XXXX XXXX had applied for without my prior knowledge until the Friday of that following Monday when the documents were due to be submitted. I personally called Truist Bank and informed them but to my surprise I just learned these past few days that XXXX XXXX admitted to having my forged my name and found an notary public who fraudulently witnessed and notarized the loan modification agreement which XXXX XXXX then submitted loan modification agreement to Truist Bank Mortgage Department. I believe the notary public is from the XXXX of Connecticut. I am making a complaint against Truist Bank, the XXXX XXXX Connecticut XXXX XXXX XXXX Department. This is criminal act, and we can not have individuals conducting criminal acts against individuals.
Consumer complaint received 2022-06-17
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXk Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2024-12-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WV)

I purchased a computer in XX/XX/XXXX from Best Buy under understanding that paying in 24 months is same as cash, no interest charge. I setup payment for XXXX XXXX month, which would have completed payment in full in approximately 14 months. After 12 months, my statement ballooned with over {$1200.00} in interest charges. 

I called Best Buy on XX/XX/XXXX, and was initially told that they put the " pay by date for no interest '' on each statement ( I looked, that is correct, it is at the bottom of the statement in small print ). That date was XX/XX/XXXX. I said that {$1200.00} is WAAAAAY too much for even 12 months interest, the agent explained that was for 24 MONTHS of interest charges applied over 1 year. I said that is ABSOLUTELY deceptive and illiegal and we will file a complaint with our State SOS office and the CFPB. 

I was put on hold for about 5 minutes, the agent came back and said if you can pay off the remaining approx {$200.00} by XXXX XXXX, XXXX, then no interest will accrue. Well, that would have been the EXACT date originally setup on Auto Pay ( 14 months from purchase date ) and would have paid off the amount 10 months earlier than I understood the promotion to be. 

From my perspective, their quick agreement to accept a final payment ( which I made TODAY XX/XX/XXXX ) and remove ALL the interest charges speaks to the fact their promotional practices are deceptive at best, and most likely illegal ( like charging 24 months interest over 12 months time period ). 

Looking forward to hearing from you and how Best Buy and their partners are going to be held accountable.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (IA)

I accidentally got locked out of my account and now they will not let me replace my phone number and get into my account! I've called and they've keep telling me that they are trying to work on it but never get back to me!