davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

XX/XX/XXXX - Made a purchase at local XXXX store and charged to my XXXX store charge card ( Comenity ) = {$130.00} XX/XX/XXXX - send check payment of {$130.00} from XXXX XXXX checking bill pay ( confirmation attached ) XX/XX/XXXX - received XXXX credit card statement showing no payment made and besides {$130.00} balance, a late fee is also now owed. 
XX/XX/XXXX - signed into XXXX credit card portal system and message them to say I paid the bill in full on XX/XX/XXXX and attached bank payment confirmation. 
XX/XX/XXXX - portal response from Comenity that they are looking into it. 
XX/XX/XXXX - receive another XXXX credit card statement showing no payments made and more fees added, so I called the credit card company and the representative tells me it will take time for them to look into it but rest assured I will not be sent to collections, so be patient. I told the rep that my Maurices credit card had been updated recently and I thought I might have sent my payment with my old account number on it, but they said that wouldn't be a problem as I had been a long time customer and they'd find that in the investigation. I also message in the portal and again am told they are looking into it. 
XX/XX/XXXX - still receiving monthly statements showing no payment so I call again and am told a representative in that area is not available and to please call back at a later time. I also message in the portal and again receive a response that they are looking into it. 
XX/XX/XXXX All of the sudden I am getting calls from the credit card company multiple times a day urging me to pay my overdue bill. I talk to the caller and they tell me the investigation is in a different area than he works in and he can't help me. 
XX/XX/XXXX I receive a letter from the credit card company asking for electronic transmittal inquiry form from my bank. 
XX/XX/XXXX I sent the proof of payment from XXXX XXXX to the Comenity through the portal. 
XX/XX/XXXX XXXX in the portal saying they are looking into it. 
XX/XX/XXXX Received yet another statement still showing no payment so I messaged again through portal. 
XX/XX/XXXX Response in the portal saying they are looking into it. 
XX/XX/XXXX Received a letter in the portal saying they never received the payment. 

I just keep going back and forth between these companies, but XXXX XXXX took the money from my account and provided the proof of payment, so I think it is Comenity 's issue that they accepted the funds but are not crediting my account for them. I'm at a loss as how to prove any other way that they have the funds and did in a timely matter.
Consumer complaint received 2023-01-05
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: CITIBANK, N.A. (CT)

I have Citi credit cards with Citibank since XXXX. And XXXX of them was the Citi XXXX XXXX XXXX access more card. I had that card since XXXX and closed it in XX/XX/XXXX since my usage of that card has reduced and there is annual fee associated with the card. 
When I call to close the card, I triple checked specifically if there is any risk for me to lose my points after the card is being closed, and was told no risk since I have couple other citi bank cards that can hold the Citi Thankyou point so I went ahead to close the card instead of downgrade. 
XXXX months later, I lost approximately XXXX Thank you points, which worth approximately {$2800.00}. 
So I contacted Citibank and filed a case with them on XX/XX/XXXX. Followed up on XX/XX/XXXX, XX/XX/XXXX and XXXX times on XX/XX/XXXX. And I get a different XXXX whenever I call and the citi representative was unable to provide anything besides there is no update they have.
Consumer complaint received 2023-01-05
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. (TX)

In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER I : CONSUMER CREDIT COST DISCLOSURE 15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a a

ccount without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (SC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (NJ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

XXXX XXXX XXXX, bankvibemobile or bankmobilevibe.com are all three problems with my XXXX  account, linked through the XXXX XXXX. The checking account associated with my loan and other disbursements which go through a student number assigned at the college is being tampered with or the money is being kept before it is disbursed to my account. All selections which are chosen for where the money each term goes are made by logging in to the XXXX XXXX XXXX  website at bankmobilevibe.com these payments, credits, and disbursements which I have been receiving are no longer being disbursed to me at all. The money is no going to my personal bank account which was entered as a selection for the choice where to have money transferred to, a bank outside of XXXXXXXX XXXX XXXX  and it is not going to an account assigned to my name/ssn at XXXX XXXX XXXX In the last 30 days, there has been {$640.00} in money from student account disbursement and another {$100.00} credit which was issued and the money has not gone to me at all. There was no check disbused to my name and there are no funds available to me from this disbursement or the credit to my account at bankmobile, a service of XXXXXXXX XXXX XXXX  The bank also has no resolution to the problem and is saying that they aren't responsible.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MN)

XXXX - XXXX. My bank takes out from an account that has no money in it then proceed to charge the bank fees. This happens every other week. Either they take money not authorized or from an account that has no money. Or an account that belongs to my daughter SSI XXXX  benefits. Most of they charges that put me in debt are the bank charges. Wells Fargo. And when I go to close out the accounts I can't for some reason or another. And it takes an average of 45 minutes to get a person to talk to
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I have a Citi Shop Your Way Sears Mastercard. It is a general purpose credit card specifically tailored to Sears. 

I cancelled a Sears protection plan back in XXXX and I was supposed to receive a refund of {$1200.00} plus tax. I followed up today, XX/XX/2019, after I had still not received the refund check promised only to find out that the refund had been issued to my Shop Your Way card on XX/XX/2019 without my knowledge and with no notice. What is more, during this time ( or recently ) my card apparently was issued a new card number, but no one notified me or even sent me a new card. So I had to sort through that confusion as well. I still do not have a card with the new card number. 

My card had a {$0.00} balance so my money has just been sitting there with a negative balance this entire time ( earning interest no doubt ). It is, I believe, standard practice to eventually cut a check when there is a negative balance on a card for a prolonged period of time ( especially a large balance such as this one ). However, it is clear that there was no plan on the part of Citi/Sears to do this. ( Incidentally, my refund was reduced by {$89.00} plus tax for a home visit to service my refrigerator ; however, this was incorrectly charged, as the visit was covered under the regular 1 year manufacturer 's warranty - Now waiting on Sears to refund this as well, which I presume will also go to my credit card ). 

I have called the card 's customer service phone number three times today at different times. I have held for very long periods of time, and still no answer. 

The final straw is the message I received in the " secure message center '' following my message sent earlier today, in which I requested to receive my funds immediately. The message reads as follows : We received your recent inquiry regarding your account. We are unable to issue a refund at this time. A credit has been issues for an item in dispute. If the dispute is resolved in your favor, then a refund will be processed at that time. Please let us know if we can be of further assistance. 

Obviously, this reply is completely unresponsive to the matter at hand. Since no one answers the phone, I have decided to allow the CFPB the opportunity to issue a directive to one of the major banking institutions in our country, requiring it to be responsive to clients. It needs to have customer service agents who will answer the phones, and it must send clients the money they are entitled to. 

Awaiting your action and reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer report furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America via direct marketing campaign mailed checks under my visa credit line with XXXX XXXX promotional interest for 12 months. I deposited one for {$40000.00} into my bank account at another bank thinking that the interest is XXXX XXXX. I did this sometime on XXXX or XXXX 2022. I received my statement on XX/XX/2022 and notice a {$1200.00} fee added to XXXX XXXX balance. I immediately paid the {$40000.00} online and asked for a {$1200.00} credit to be issued toward my account. they refuse to do taht. 

I believe that bank of America engages in unfair and deceptive marketing practices by presenting a XXXX XXXX interest in large characters while listing the XXXX XXXX fee in a very small characters on the bottom of marketing letter. 
I also believe that i should have the right to return merchandise, cancel a bank transaction within a reasonable time period.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting XXXX different XXXX removal dates within a XXXX  month difference for this XXXX account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results has verified this account as accurate. 

XXXX  results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal XXXX  year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different FEDERAL information. the payment histories with both agencies report OK or NO DATA, there is no date of commencement of the delinquency, no last payment, no late pays leading up to the charge off status, further more proving that both agencies are not even reporting information in the payment history to help them determine the federal removal date. Both agencies payment histories on this XXXX account are INCOMPLETE but XXXX has the audacity to verify this account as accurate? to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate and incomplete information and have illegally re-aged this XXXX account and is not reporting what XXXX XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

I am not liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not provide me with the original contract as I requested. The Items are listed as XXXX separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This ac

count ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. This is a clear violation of FCRA as this activity is not accurate, or com
plete.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

TO WHOM IT MAY CONCERN : I AM WRITING THIS LETTER OUT OF DESPERATION. I HAVE BEEN TRYING TO ACQUIRE A LETTER FROM SHELLPOINT MORTGAGE STATING THAT I WAS REPORTED 90 DAYS ' LATE IN ERROR DUE TO THE FACT MY LOAN WAS SOLD WITHOUT MY KNOWLEDGE AND DUE TO THE FACT THAT SHELLPOINT 'S WELCOME PACKET WAS SENT TO MY OLD ADDRESS THAT I HADN'T LIVED AT FOR TWO AND HALF YEARS ; THEREFORE I HAD NO WAY OF KNOWING AND CONTINUED TO PAY MY OLD MORTGAGE COMPANY, XXXX. I WAS SET UP ON AUTO-PAY. SHELLPOINT REPORTED ME 90 DAYS ' LATE. I RECEIVED NO PHONECALL, NO LETTER UNTIL 90 DAYS HAD PASSED. 
MOVING FAST-FORWARD, I WAS ABLE TO CLEAR MY CREDIT UP WITH XXXX  AND SHELLPOINT ; AND MY CREDIT EVENTUALLY WAS RESTORED. CURRENTLY I AM APPLYING FOR A NEW LOAN ON A NEW PROPERTY ; AND THE NEW LENDER NEEDS A LETTER FROM SHELLPOINT BASICALLY STATING, THROUGH NO FAULT OF MINE, DID I STOP MAKING MY PAYMENTS. I JUST WASN'T AWARE MY LOAN HAD BEEN SOLD BACK ON XX/XX/19. 
I HAVE CALLED SHELLPOINT EVERY DAY FOR FOUR WEEKS SEEKING THIS SIMPLE LETTER, AND IT JUST GOES IN CIRCLES. YOU CAN'T TALK TO A SUPERVISOR. I WAS HUNG UP ON MORE THAN ONCE. I GET 20 DIFFERENT ANSWERS. I HAVE SENT COUNTLESS EMAILS. ALL I NEED IS A SIMPLE TWO-SENTENCE LETTER STATING THE ERROR WAS NOT MINE. THIS IS ALL THE NEW LENDER HAS BEEN WAITING ON FOR A MONTH NOW. I WILL LOSE THIS LOAN IF I DON'T RECEIVE THIS LETTER FROM SHELLPOINT. 
I SENT A CERTIFIED LETTER LAST WEEK TO SHELLPOINT AS THERE IS NO PHONE NUMBER, ONLY EMAILS THAT CONTINUALLY GO UNANSWERED. THIS IS BY FAR THE WORST EXPERIENCE I HAVE EVER HAD WITH A MORTGAGE COMPANY. THERE IS NO POINT-OF-CONTACT WITH ONE PERSON. IT'S SUCH A SIMPLE REQUEST I AM MAKING THAT WOULD TAKE FIVE MINUTES TO TYPE UP ON THEIR PART AND NOTHING. 
I AM HOPING THAT YOU WILL BE ABLE TO HELP ME SO I CAN FINALLY MOVE ON AND FINALIZE THE NEW LOAN I AM SEEKING. IF YOU HAVE ANY QUESTIONS AT ALL, PLEASE DO NOT HESITATE TO CONTACT ME BY EMAIL OR BY CELL AT XXXX. 
THANK YOU IN ADVANCE FOR YOUR HELP. I AM AT MY WITS END WITH THIS COMPANY.
Consumer complaint received 2020-05-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

This debt is apart of class action suit against Santander and another company has bought their paper at pennies on the dollar. 

I was sold a lemon from the dealership and Santander didn't care about it. I was making my payments on time until I began having major problems with my car. 

They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. 

Here are a few suits in the process : https : XXXX? XXXX https : //www.lawyersandsettlements.com/lawsuit/santander-faces-class-action-lawsuit-over-fair-debt.html Here is another lawsuit : XXXX : XXXX Now this new company : XXXX XXXX XXXX is doing the same thing and has reported a debt that was original with Santander Consumer USA. 

I never received anything from XXXX XXXX XXXX regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, my husband and I reported a rude and unprofessional customer service experience via the online Bank of America feedback inquiry regarding the Bank of America Branch ( XXXX XXXX XXXX, XXXX, CA ) in which my husband was denied the ability to withdraw {$70.00} from our checking account ( my husband is a noted account owner ). The teller had withdrawn the money from the account after my husband was PIN verified. However, refused to give my husband the withdrawal, insisting that he prove himself by showing his ID. Ironically, my husband was able to complete this transaction at another BOA branch in XXXX. 
On XX/XX/XXXX, I received an email from XXXX XXXX indicating she would be contacting me on this day. I personally left a voice-mail with XXXX indicating my availability. On XX/XX/XXXX, my husband visited the BOA branch ( XXXX XXXX XXXX XXXX to withdraw from the ATM. A message at the ATM displayed, " Card not available for use. '' Upon going into the banking center, my husband was informed by the teller that the " debit card was cancelled '', providing no specific reason. After speaking with BOA representative, XXXX, via telephone, I was personally informed the debit cards for both my checking accounts were canceled for " fraud impersonator '' by the local BOA banking institution in XXXX on XXXX. As a result, we were left without access to our funds ( checking, savings ). I was never notified ( via phone, text, email, letter of notification ) of this cancelation until we personally tried to make a withdrawal on XX/XX/XXXX. As a result, we've had to reorder all debit cards, which will be a XXXX business day wait time. In the interim, my husband and I have been victimized by the unprofessional and unethical behavior or Bank of America. Additionally, I have not received any correspondence from XXXX XXXX. We truly appreciate your assistance in this matter.