davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (WI)

IT HAS COME TO THE ATTENTION OF MYSELF AND MY HUSBAND THAT CITBANK XXXX, HAS BEEN TAKING DOUBLE PAYMENTS FROM MY XXXX ACCOUNT AT MY LOCAL CREDIT UNION. IT SEEMS GOING THROUGH MY LAST YEAR OF STATEMENTS IT HAS GONE ON FOR ATLEAST SINCE XX/XX/XXXX ... 

CITI BANK DID STATE TO ME VIA RECORDING THAT THEY DID MAIL OUT DUPLICATE CARDS BACK IN XXXX AND XXXX OF SOMETIME NOT SURE OF THE YEAR SINCE WE HAVE BEEN MEMBERS SINCE XXXX. ARE CARDS HAVE BEEN PAID IN FULL AND HAVE NOT BEEN ACTIVATED OR USED SINCE XXXX, XXXX. IN XXXX. 

PLEASE LET ME KNOW HOW TO GET THE COLLECTION CALLS TO STOP AND THE FREEZE TO HOLD ON MY ACCOUNT SO THAT IT WILL STOP GOING UP. I HAVE SPOKEN TO XXXX IN FRAUD, XXXX, AND SEVEAL OTHERS AND KNOW ONE KNOWS WHATS GOING ON. 
I HAD MY IDENTITY SOLEN ... AND JUST FOUND OUT IN XXXX OF XXXX. I FILED WITH XXXX AND HAVE A FILE # AND WITH SOCIAL SEC. 

THANK YOU.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.
Consumer complaint received 2018-07-06
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

I HAVE TWO ACCOUNTS WITH ONEMAIN : 1- THE FIRST ACCOUNT IS PAID AS AGREE WHIT XXXX BALANCE. 
2- THE SECOND ACCOUNT I MADE APAYMENT ON XX/XX/2018 CAMPANY ALWAYES REPORT THE END OF EVERY MONTH Until NOW THAT ACCOUNT NOT BEEN REPORTED TO XXXX , XXXX AND XXXX . IN THE PAST EVERY TIME WAITED OVER 3 WEEKS TOTHEM REPORT THE PAYEMENT AND EVERY MONTH I DISPUTE THE ACCOUNT THAT WHY AS CONSMER COMPELAINE ABOUT ONEMAIN.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

I got a piece of mail that said if I started an account with Wells Fargo with a minimum deposit of {$25.00} and made 10 transactions using their debit card ( 2 of which over {$10.00} worth ) within 60 days, 45 days after completed those transactions I would get {$200.00} put into my account. So in XX/XX/XXXX I went to my local Wells Fargo with the piece of mail and deposited {$1600.00} as there is a monthly {$10.00} fee for accounts under {$1500.00}. Within a week I completed the requirements and waited until XX/XX/XXXX when I was suppose to get the {$200.00} bonus deposit and called them as I didn't see the deposit. They said it should show up in the next couple days. I called again XX/XX/XXXX and they said they would get back to me. I called again XX/XX/XXXX, they said they were doing research and would have it resolve. 

I call in again today and they said they didn't even see where they had done research or that I had any history of calling. They tried to tell me a completely different promotion and that I didn't qualify, but luckily I kept the piece of mail and all my paperwork from when I started the account and they had to back track. They kept me on hold the majority of the hour I was on the phone and repeatedly said they were going to resolve the issue today. They finally found my promotion and were asking me if I did all parts of the promotion, which I'm not sure why they are asking me that when they should be looking at my account for if I completed it. Finally they confirmed everything but then said I needed to go to my local branch to resolve the issue ... why didn't they just say that at the start if they couldn't resolve the issue after saying over and over they could resolve it? 

So then I go to the branch, and they tried to tell me the same thing about me not qualifying for some other new promotion they have going, and then I pull out the paperwork and they too back track. After about 10 minutes of explaining 'THEIR ' promotion to 'THEM ' she finally agrees that I qualified and gets on the phone. After sitting there for over a half hour she says she filled out the form and it will be another 7-10 business days. I said " Noway! I've spent almost 2 hours dealing with this today, and this bonus was due to me over a month and a half ago! '' I demanded they credit my account the {$200.00} and they said that only the manager can do that. I asked " will the manager be here tomorrow? '' and they told me " I do not know when she will be in ''.
Consumer complaint received 2018-02-27
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. (OK)

In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.
Consumer complaint received 2018-03-14
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: JPMORGAN CHASE & CO. (TX)

I did not authorize for my credit to be pulled. I have tried to resolve this with the consumers but the customer rep. was not willing to help me remove this from my credit report.
Consumer complaint received 2018-02-28
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. (CO)

We recently applied for credit for our small business. We were declined with the explanation that XXXX XXXX card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/2017 due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show XXXX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to XXXX in XXXX of XX/XX/2017 which paid off the full balance. We have bank records to prove this. The XXXX account was closed, and we thought that was the end of the issue. We had no idea that XXXX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted XXXX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of XXXX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to XXXX. But, we don't feel XXXX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with XXXX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.
Consumer complaint received 2018-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I have talked with XXXX at tower loan multiple times in XXXX XXXX to explain to her that do to the loss of my sons income and my fiance having to pay 40 percent of his medical expenses and me having to support myself and my XXXX family and we had to move to a more expensive place because our landlord wouldn't fix anything. I asked the guy on the phone and he advised me to pay on the 2 secured loans and let the unsecured go since we are judgement proof. XXXX called me a liar and said he didn't say that. XXXX told us file bankruptcy. We asked her to lower the monthly payment so that our family could afford food and medication. She refused. She also refused to take full payment on 2 accounts saying if we defaulted on 1 she'd sue us for all three keep in mind we are judgement proof and both XXXX  or XXXX XXXX. This has caused me to attempt XXXX and have XXXX. She also threatened us with jail
Consumer complaint received 2018-02-28
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc. (PA)

Contacted by Account Control Technologies in XXXX of XXXX. Informed them not to contact me at my place of employment and to email or hard copy mail all correspondence to my residence. They called a few days later at my place of employment even after being informed. Spoke with several representatives including XXXX XXXX, XXXX XXXX, XXXX XXXX. Found that they had an incorrect address for me and I had not received any documentation prior to this contact. They had " XXXX XXXX '' instead of " XXXX XXXX. '' Never received any documents prior to this phone call. Signed rehabilitation agreement on XX/XX/XXXX. Signed for them to auto draft my checking account on the XXXX of each month of {$5.00} for 9 months. Emailed copies of 2 paychecks on XX/XX/XXXX as per their request. Requested an amended letter stating the actual amount due two times via email and have not been received as promised by XXXX XXXX. Their letter reflects amounts including a charge of {$2400.00} collection fee and a charge of {$520.00} interest fee. Was informed in writing via email on XX/XX/XXXX to not contact me via phone but by email / letter only. Resent paycheck copies on XX/XX/XXXX. Was informed that all collection calls, tax refund offset would not occur, etc. and credit reports would be updated showing payments if payments were made on consistent basis. Which they have been since XXXX. Contacted ACTS on XX/XX/XXXX, XXXX found they did take my XXXX tax refund of {$4900.00}. They also took XXXX refund of approximate {$6000.00}. Was bounced around to four different representatives, given the run around and told I was misinformed of the agreement. Also, XXXX XXXX was completely unprofessional and threatened to contact my employer to garnish my wages. A man by the name of 'XXXX XXXX contacted my boss on Tuesday XXXX XXXX, XXXX and left a voicemail which we have a recording of. This company is fraudulent, harassing and dishonest. All communications have been documented. I refuse to speak to them anymore via telephone. XXXX XXXX also informed me that sending an email is a courtesy?? After researching this company have found many complaints on these same issues and more. They need to be investigated thoroughly. Thank you
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

So I had XXXX internet for about one year and 4 months when I decided to cancel my two year term. They said it there will be a fee for cancelling since I'm in a 2 year term. So they gave me the option to suspend my acct meaning it will be temporally be disconnected for the remaining 8 month for a fee of {$7.00} each month with a automatic closure after 8 months that way I don't get charged a fee for closing my account before the term was up. After my 8 months was. Account fully closed. Out if nowhere I get a huge bill. Very unhappy with this bill. I have been working really hard in repairing my credit but it's so hard with this unaffordable bill. If I had money I would of just paid it just get it over with. So I heard maybe this website will be able to help me with this. Thank you for the time.
Consumer complaint received 2018-02-28
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. (OR)

My information ( SSN, address, DL, etc. ) was breached via hackers at Equifax at some point last year. Thus, my information was not protected and the only way I heard about it was through the media. Equifax downplayed the extent of the breach.
Consumer complaint received 2018-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC (OK)

Cavalry SPV I , LLC as assignee of First Investors wrongfully filed a proof of claim with the XXXX  District of Oklahoma courts. This debt buyer cant prove that you owe the debt, the statute of limitations has passed, debt buyer cant prove that it actually has the right to sue you because I've never received anything from this company nor this company/companies on my credit report. This debt buyer is providing robo-signed or false affidavits regarding a so called debt against me. This company has several different states listed, it has Georgia and New York. They can not sued me in a state where I do not live or did not sign for the debt. This is fraud and they are trying to defraud the Federal Bankruptcy Court of XXXX  Oklahoma.
Consumer complaint received 2018-02-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (PA)

Attempted to make pays, but could not pary the amount they wanted. XXXX dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ XXXX {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CO)

We recently applied for credit for our small business. We were declined with the explanation that American Express card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/XXXX due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show AMEX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to AMEX in XX/XX/XXXX which paid off the full balance. We have bank records to prove this. The AMEX account was closed, and we thought that was the end of the issue. We had no idea that AMEX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted AMEX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of AMEX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to AMEX. But, we don't feel AMEX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with AMEX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.
Consumer complaint received 2018-02-28
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. (NY)

Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This auto loan is consistently updating inaccurate information. 

No payment history has been made. No payment information was made once I redeemed the auto. They have not updated information and keep reporting as of year of loss. I'm requesting the removal of this merchant from all credit bureaus as it is n ot reflecting the accurate information under the FCRA, FTC and I submitted all documents to credit bureaus with my driver 's license and SS card for accuracy and reporting on XX/XX/year>.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a credit card account with Bank of America on XX/XX/XXXX and this account was closed on XX/XX/XXXX. I paid the balance on the account down to XXXX and I am still being charged a monthly fee on this closed account and it is affecting my credit report. I would like to address this issue by paying what is currently due and having this removed from my credit report completely.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 XXXX 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 2018-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I have made a transaction using Chase quickpay. I sent money and turns out that was a fraudulent account. Chase advertises their quickpay option as a safe and protected way to send money, but I contacted them and they told me they can't do anything to get my money back. I wanted to cancel the transaction and they would not let me even though it still says " pending. '' Please do not advertise or work with a money transferring company if you do not protect users from scam. I found out that the person I sent money to was an identity thief and Chase won't even protect their customers from that.