davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (SC)

XX/XX/2022 I am writing to have American Express change their default email regarding payment due. 
They have many alerts and options once you call to complain, however there default is to email you a payment due email after your due date so you are charged XXXX late fees. 
The email is not sent on or before but after and it states your payment is due. It should say it is past due. I called and they did walk me through the process to change the alert to 5 days before, however this should be the standard. How many people pay late fees because they are notified AFTER? Their statement do come in your email however, when you have 5 email and receive many emails a day for business, you see the statement but may not have time to open it to see when it is due. A simple text or email stating the due date BEFORE it is due should be the default and would save many people a the XXXX late fee. 

Thanks
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I took a personal loan out through XXXX XXXX XXXX. My car was used as collateral in the loan and XXXX XXXX XXXX bought out my loan I originally had with XXXX XXXX. In XXXX of 2022, I had a car accident and totaled my car that was connected to the loan. XXXX XXXX XXXX had trouble getting my title and would not provide a letter of guarantee for the loan to be paid by insurance. XXXX XXXX XXXX was aware of the total loss accident and still reported my payments for the car delinquent for the months of XXXX, XXXX, And XXXX. The payments were not delinquent as I waited on the pending insurance claim. I have discussed this issue with XXXX XXXX XXXX with no results. I disputed the problem through the credit bureaus but still no resolution. XXXX XXXX XXXX collections kept contacting me after I have noted that the there was a pending insurance claim. 
The account was finally settled with XXXX XXXX XXXX with a payment of {$8400.00} in XXXX 2022. XXXX XXXX XXXX updated the balance on my credit report, however the balance is incorrect. XXXX XXXX XXXX also has not updated the account to be settled on my credit report. I am unable to get a vehicle with these negative remarks on my credit. I need this to be fixed.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

Description of Complaint : I am filing this complaint against Citibanks XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) and its Branch Manager, XXXX XXXX, for refusing to honor my valid Power of Attorney ( POA ) for my father, XXXX XXXX. My father is gravely ill and has authorized me to manage his financial affairs, yet Citibank has unjustly blocked access to his account, citing a fraud alert. Despite providing notarized POA documentation and supporting materials, the banks legal department has refused to approve my POA, preventing us from accessing funds necessary for mortgage payments, medical expenses, and daily living needs. 

This refusal violates New York General Obligations Law 5-1501, obstructs my fathers financial management during a time of medical crisis, and directly contravenes Citibanks obligations under consumer protection laws. Additionally, the Branch Managers actions, including forcing me to leave the office while assisting my father and ignoring requests from my mother ( XXXX spouse ) to lift the block, demonstrate hostility and disregard for customer rights. These actions also conflict with Citibanks own Code of Ethics as outlined in its XX/XX/year>, 10-K filing. 

I respectfully request that the CFPB investigate Citibanks failure to comply with legal obligations to honor POA documents, unblock the account, and provide access to funds immediately. 

Please see attached for more details
Consumer complaint received 2024-11-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I applied for XXXX XXXX in XX/XX/scrub>XXXX XXXX approved for {$2500.00} for dental services at XXXX XXXX in XXXX, Tx. XX/XX/year>, they charged the full {$2500.00} without any services rendered, but I still paid the monthly amount as to not ruin my credit. In XXXX I disputed the charges, and the charges were reversed back to the {$2500.00}, then dropped to {$250.00}, but I am due a refund of {$370.00}. I spoke with an agent on XX/XX/XXXX, and she stated my refund would be received within XXXX business days. I called XXXX XXXX on XX/XX/XXXX, stating that I hadn't received my check, an agent stated they would send out another one, but they would expedite it, so I would receive it within XXXX business days. I contacted them on XX/XX/XXXX, and the " manager '' stated the check was not sent out on XX/XX/XXXX, due to it looking like a double check. So, she stated it would be sent out on XX/XX/XXXX, expedited. I contacted them today on XX/XX/XXXX, and they stated it was not sent out expedited, so it will be another XXXX business days. I asked to file a complaint with a manager on XX/XX/XXXX, but he didn't type anything that I was saying, he only said, " I'm sorry, but you'll get it soon. HORRIBLE CUSTOMER SERVICE!!!!
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WI)

I applied for a covid19 related personal loan from my credit union and was told I had a collection on my credit report. Waypoint Resources company, a company which collects debt for XXXX place an invalid debt collection for {$1200.00} which is not mine. I called XXXX and they have no info at all of any debt owed. This is unethical and fraudulent practice by Waypoint Resources to collect debt. I noticed this XX/XX/XXXX and Waypoint Resource posted this debt XX/XX/XXXX.
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I began the loan process with Capital One on XX/XX/21, application ID XXXX. My loan was approved, and Capital One sent me loan documents to esign. During my review of the papers, it stated I had a credit score of approximately XXXX. I contacted Capital One and inquired about the credit score. On my first inbound call, an agent told me they used the credit score taken from all three bureaus. I contacted all three credit agencies and obtained my credit score. None of the bureaus had my credit score that low. I elevated my request, and after speaking with several individuals, the agent transferred me to the president 's office. 


XX/XX/21 I explained my concerns to a gentleman named XXXX, agent ID, XXXX. My concerns were heightened more when the individuals refused to give their last names. It gives the impression of a dishonest internet scam that many people deal with daily. XXXX informed me on a recorded line that he was with the office of the president. He advised -- defended -- me that Capital One 's computer underwriting is vetted to comply with consumer finance regulations. They use a credit scoring system, information that he does have or was not allowed to communicate to me. I envision another instance of internet scammers secretly using my data for fraudulent purposes. I asked XXXX to invalidate the documents and send me a copy for my records. He stated he wasn't sure that he could. But he would check and get back to me. What reputable company gives this response? 

My request for copies of documents is fair. However, it is alarming when someone identifies himself as working for the office of the " president '' says he's uncertain if he can provide me copies of documents? I am not trying to re-initialize a loan request. I asked for copies. 

Capital One 's responses to my questions raise my concerns that they are behaving deceptively. For example, capital One may have programmed their computers to produce credit offers based on their secret programming to generate results not aligned with fair credit lending guidelines. If they're not going to use the credit bureau scores, why make a hard inquiry that affects my credit score? 

Please recognize that my initial inquiry was not a protest to the interest rate but how they determined it. I feel I'm entitled to that information. 

I ask that this company be investigated for fairness, deceptive practices, and compliance with fair lending guidelines and adequately document their credit responses. I am also sending a copy of this request to the California State Attorney General 's office. 

Sincerely,
Consumer complaint received 2022-07-02
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: Bread Financial Holdings, Inc. (MT)

Comenity Bank notified me they were closing ALL accounts under the XXXX XXXX XXXX XXXX, effective XX/XX/2022. The notification advised customers could redeem accumulated points for statement credit, gift cards, etc. They then took their website down. I check it every couple days for the last 2-3 weeks. It is still down as of today, XXXX. Their Customer Service number only has a recording to call back later. There is no way to contact them, and I have substantial points to redeem.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (PA)

Accordance with the fair credit reporting act XXXX account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX First XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2022 I want to make a formal complaint about a pending charge placed on my credit card by Walmart. The pending charge of {$54.00} was placed was on my card XX/XX/2022. When I added items to my existing online order in the amount of {$10.00} pre-tax, Walmart placed a pending charge of {$54.00}. I was upset and phoned Walmart billing at XXXX and asked the representative why I had been charged {$54.00} when the added items were only {$10.00} pre-tax? She told me not to worry because the {$54.00} charge will fall off my credit card bill once the order has been delivered and I would not have to pay the {$54.00}. I told the Walmart representative that I was upset because Walmart had no right to place a pending charge of {$54.00} on my credit card when the additional items I purchased totalled {$10.00} pre -tax. I feel as if Walmart is stealing my money by placing a temporary hold greater than the amount of my purchase. The Walmart representative simply stated that she could NOT remove the pending charge of {$54.00}. I want the {$54.00} removed and the {$10.00} plus tax added to my credit card to reflect the correct pending charge.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a credit due on my credit card balance due to an error in over payment of last month 's statement. This account has been closed since last year so I can not use the card to redeem the credit. I have contacted the issuer 3 weeks ago to no response.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I was notified by text of a possible fraudulent charge on my bank account. They gave Huntington Banks name and corporate phone number in Ohio. They wanted to verify my account information for security reason. I gave my debit card number/expiration/security code and verified my name. When they asked for my driver license number and social security number, I panicked and knew something was wrong. I went to a branch of my bank, Huntington Bank, in a XXXX XXXX near my home because the XXXX XXXX was closed to lobby traffic due to short staffing. They requested I used their drive-through! 
I spoke with XXXX XXXX, the Assistant Branch Manager, who filed a dispute of the transaction ( {$700.00} to XXXX XXXX  on XX/XX/XXXX ). The reference number of the dispute is XXXX. I wished to dispute the charge against my account as fraud because I did not make the charge. I was told it was for hotel accommodations in XXXX, NY by XXXX XXXX. The debit card was closed XX/XX/XXXX. I dont recall if I gave a PIN number. I was very frightened and upset. I was told that since the fraudulent transaction was in pending status on my account, there was no way to cancel/freeze/block/stop the transaction. The bank offered a new debit card and a rush on both the new debit card and dispute of the transaction. I am a senior citizen on social security only and desperately need these funds reimbursed ASAP to pay my monthly bills. Im sure youve heard this beforeI cant believe there are people in this world preying on unsuspecting/distracted people and that they can sleep at night with guilty consciences! I appreciate any help you can give me and thank you for your efforts on my behalf, in advance.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter at the end of XXXX saying my account was on hold due to a problem with my address. My business performs real estate transactions and has always, since XXXX had a po box address. Apparently Chase suddenly decided this was an issue. 
I made multiple trips to the branch office in XXXX on the XXXX, XXXX and XXXX. The banker who tried to assist me could not even correctly upload the documents Chase was demanding to prove a brick and mortar address which my business does not have. Chase forced me to attach my home address to the business account which is incorrect. 
after many branch visits, calls to my personal banker ( I am a private client ) and many calls back and forth I was told the issue was resolved. Then on XX/XX/XXXX i received what appears to be a phishing notice telling me there was fraud on my account. I did not click but instead called Chase who told me my account was restricted.

after waiting over ten minutes i was disconnected, then I called again and after 84 minutes i was disconnected again, still with no way to resolve my issue. after another 57 minute call i was able to escalate to executive level customer service. They called back with a vm to say someone was looking into it. after another full week went by and 3 follow up calls to XXXX and a visit to my personal banker they finally called back to say there was some form that had to be filled out in the branch. I did this. At that time no one could still tell me if the account issue was resolved. Chase continued to bounce checks and return payments. I called again 3 or 4 more times trying to escalate. As of XX/XX/XXXX i finally got a call back from manager XXXX XXXX at XXXX est saying that the account was resolved. it is absolutely inexcusable the unnecessary and unwarranted damage they did to my reputation over an obscure federal ruling no one can tell me anything about. and even more unforgiveable that they allowed it to continue, not notifying me that there was an ongoing issue and refusing to return calls. 
I will never do business on any level with this institution again.
Consumer complaint received 2022-07-02
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. (SC)

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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-02
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. (SC)

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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have a XXXX  store credit card run through Commenity bank. My bill is due the XXXX of every month that I make purchases. Its so rare that I dont have autopay set up and I prefer to physically go in and pay the bill. I went in on XX/XX/2022 and saw this big red message about a system update failure and to try their new easy pay system. It claims you dont need a login to pay bills and such. Well that didnt even work. So then I try to login regularly, didnt work. I tried calling and then got an automated message about the system update, using easy pay, and then all staff are busy please call at a later time followed by a hangup. Want to chat with someone online? Have to login to do that. Their owner company is Bread XXXX. Called them. Same exact automated message. Thats when I went to XXXX. And found all threads through XXXX and all the consumers having the exact same problem. Heres the thing : at this time, they were only claiming to waive late fees if your payment was due XX/XX/XXXX & XXXX. That did me no good with a XX/XX/XXXX payment. They kept advising to call or make a payment with easy pay, neither of which work. A lot of speculation regarding a hack vs a system update. Regardless, they needed better communication. It wasnt until today, XX/XX/XXXX, that they said payments through XXXX XXXX will have waived late fees and wont effect your credit. Thats too late. They have not communicated effectively with what has gone on. Its effected consumers, retailers, and average creditors. When it comes to my finances I deserve to know exactly what has happened and to lose all capabilities for more than a week, during the time most bills are due, is too suspicious. And I know that if it was a system upgrade, there is way to default to the old system should the new one not work properly - just to keep things running. Im considering cancelling my credit card simply because I no longer trust this bank to handle it.
Consumer complaint received 2022-07-02
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. (PA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (GA)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX