davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX at XXXX XXXX  my bank credit card was charged for a XXXX purchase of {$36.00}. This purchase is valid. On the same date and time my bank credit card was also charged {$200.00} by a XXXX XXXX XXXX XXXX XXXX This transaction was not authorized. The XXXX employee charged my charged my card on his personal cell phone after he charged my card for the XXXX purchase. I disputed this charge with my bank where they gave me a provisional credit back to my account. I was then notified via letter that my bank denied my dispute stating it was an authorized transaction and withdrew their {$200.00} provisional credit. On XX/XX/XXXX I want to the bank and spoke with an employee who was able to print my transaction history showing both purchased were done at the same day and time. She said she would reopen the dispute on XX/XX/XXXX. After I left the back onXXXX I went to the XXXX location to see if I could handle this issue civilly. The XXXX manager told me I needed to file a police report as I'm not the fist victim this happened to and there is already an investigation into this now terminated employee stealing customers money. My bank should of done their due diligence as it clearly shows on my account both transactions were done on the same day and exact time.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

The card is our citi Costco credit card. Today I went to Costco and the card was denied for payment. Came home, called the Company and was informed that the card account was closed by them. I asked why and they would not tell me why XXXX  one of the Customer service reps asked if I have recently file for bankrupcy and I told him no XXXX then he hungup the phone.
Consumer complaint received 2024-01-22
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. (FL)

Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

THE CHASE CARD AND BALANCE ARE FRAUD. THE BALANCE IS XXXX. CHASE CREDITED HALF OF THE FRAUD CHARGES, BUT NOT ALL OF THEM. I DO NOT UNDERSTAND HOW THEY CAN PICK AND CHOOSE WHAT IS AND WHAT ISN'T FRAUD WHEN I DIDN'T HAVE THE CARD IN MY POSSESSION. I HAVE COMPLAINED 4 TIMES NOW WITH CHASE AND IT IS THE SAME RUN-AROUND WITH THEM. I WILL NOT PAY FOR ANYTHING THAT I DIDN'T SIGN FOR OR BUY. FRAUD! TAKE CARE OF THIS ONCE AND FOR ALL IMMEDIATELY. CHASE IS HORRIBLE!!!!!
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I ordered a Citibank American Airlines card a couple of years ago. They opened an account for me and sent a card, but it's not the AA card, it's a different one. So I applied for the CitiAA card again. They did the same thing to me TWICE more- kept sending me a different card than I had applied for. Now I have 4 Citibank cards. Because of my income and credit, I had high credit limits, i.e. up to $ XXXX. Then they sent me a couple of 0 % balance transfer offers, on a couple of those cards. I took advantage of these, and did not max out those accounts when I did so. I still had plenty of available credit. I did not use those cards at all, and paid much more than the minimum payments on all accounts, well before due dates, while the 0 % interest rate was in effect. My credit report shows I have always paid as agreed. Nevertheless, Citi arbitrarily reduced my credit limits on JUST THOSE CARDS to just a couple of XXXX dollars above the balance, thereby causing my credit score to drop. I know this, because the amount of unused credit on a card has an effect on your XXXX score, and I was in the process of refinancing a property I own when they did this. Citi 's actions caused my credit score to drop, which in turn caused me to have to pay a higher interest rate on the mortgage. I called Citi and spoke with a couple of people about it who said there was nothing they could do. The refinance paid off these cards, and then I received ANOTHER balance transfer opportunity ( 0 % interest for 12 months again ) on a different Citi card. I took advantage of this, and then almost immediately Citi reduced the available credit to just a couple of XXXX dollars over the balance, causing a hit to my credit score AGAIN. This time I have proof of the change. I don't have proof from the 1st time. Please see the attached documentation. Citi should STOP the practice of arbitrarily reducing credit limits on the public when someone takes advantage of the XXXX percent balance transfers. Also, they should send you the card you applied for, the FIRST time. This appears to be almost a mercenary practice, potentially harming people 's credit scores just so Citi can show that they carry a lot of accounts, and have more capability of profiting when the 0 % interest rate expires. Once that interest rate expires, the new interest rate is 29.99 %. THIS SEEMS LIKE USURY TO ME. They try to trap the consumer.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I was recognized " a permanent lifetime pension '' since XX/XX/XXXX,  according to the communication received from XXXX XXXX, XXXX. from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. I received my pension regularly until XX/XX/XXXX deposited in my account from the Citibank by XXXX XXXX XXXX XXXX 
However, the Citibank announced in the report of this operation : " Dear Citibank customer, please be advised that the mailing address for this deposit has been changed. Please instruct the sender to mail future deposits to : XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX MO, XXXX XXXX. '' Meanwhile my current address continued to be the same nowadays. When I asked to the bank about my account I was informed by Mr. XXXX XXXX ( actually Director, Citigold Market Manager XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) that my account had been reported to the Office of Unclaimed Funds Remittance Control since XX/XX/XXXX. When I claimed to The Office of Unclaimed Funds Remittance Control they answered last XX/XX/XXXX as follows : " A letter was sent to you on XX/XX/XXXX stating that we were unable to locate any funds belonging to you. 
Due to the age of the item in question, the bank was unable to provide any information regarding these funds. '' During this time I have also be affected and I lost my condition of resident of the USA and I have not gotten a US visa any more.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against Equifax for its repeated failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/, I submitted a dispute letter to Equifax via fax, challenging the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Bankruptcy Reference Number : XXXXXXXX  Additionally, I disputed incorrect names and addresses listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill. Despite diligently following the FCRA 's dispute process, I received no response from Equifax. In an attempt to rectify the situation, I sent follow-up disputes on XX/XX/ and XX/XX/XXXX Unfortunately, Equifax failed to acknowledge or respond to any of these dispute attempts. This consistent denial of a reasonable investigation is a clear violation of my consumer rights. The FCRA explicitly requires credit bureaus to conduct a thorough reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed. Enclosed, please find copies of my dispute letters, as evidence of my repeated attempts to correct inaccuracies on my credit report.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DLC, LLC (CA)

I took a personal loan with Dollar Loan Center. I knew this was going to be high interest rate. But with the way they are charging me it is obscene. I took the loan in XXXX and they want me to pay weekly but it is reported monthly on credit. If you are 12 hours late that week they call harassing me. I had my mother in hospital so they were paid 3 days late while we did not know if my mother was going to make it screaming at me on the phone telling me I had to go in the store and pay them now. I also requested to pay monthly instead of weekly and they refused. It should be monthly not weekly. They harass call family members and I have never been over 30 days late. Since paying weekly or bi weekly The loan was for XXXX To date since XXXX/XXXX/XXXX I have paid them XXXX And online it still states I owe them XXXX!!!! I pay a little extra each week and still owe them more. They do not send statements and I can not see how they are applying any of these funds. Nothing is being applied to the XXXX only interest which is still more than I borrowed after paying them XXXX This is loan sharking!! This money needs to go on some principal by this point or it will never be paid off!!
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear Wells Fargo Bank, I am writing to express my dissatisfaction with your handling of my dispute regarding a fraudulent charge on my account. I filed a dispute on XX/XX/year>, and provided all the necessary documentation to prove that I did not authorize the transaction. However, it has been more than 30 days and I have not received any update or resolution from you. 
I feel that you are using tactics of negligence and delay to avoid processing my dispute. This is unacceptable and unfair to me as a loyal customer. I have been with Wells Fargo for over 2 years and I expect better service from you. You have a legal obligation to investigate and resolve disputes within a reasonable time frame, as stated in the Fair Credit Billing Act. 
I request that you expedite the resolution of my dispute and provide me with a written confirmation of the outcome. I also request that you refund any fees or interest charges that resulted from the fraudulent charge. If you fail to do so, I will escalate this matter to the Consumer Financial Protection Bureau and seek legal action.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MA)

I have received numerous emails from santander telling me my car is up for repossession and to co tact the company to discuss ways to keep my car for a cheaper amount that is owed. The car has already been charged off and written off. I have called the bank multiple times trying to find options to reinstate loan/ payment plan to stop repo. The bank will only ask me where I live and where the car is at the moment to be picked up. On XXXX XXXX XXXX at XXXX in the morning I was getting ready for work when a neighbor called me. There was a guy in my yard taking pictures over my fence. I went out to confront him and he told me he was with the bank and needed to take the keys and the car. I asked him his name which he refused to give me. He said he was never in my yard but new the car was out back and he was with the bank. 

I want to know who went to my house what company name and why they were on my property taking pictures over my fence of privacy Now my children are scared to sleep in there room due to the guy taking pictures by the bedroom/window. Scared he will break in.
Consumer complaint received 2019-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

On XX/XX/XXXX a debt from Enchanced Recovery Soultions or Company appeared on my credit report for XXXX XXXX XXXX XXXX whatever that is, I do know I do not or have not had XXXX XXXX, it had no dates or identifying info ... but I have lived in the state I am in now for seven years and they company we use is NOT XXXX XXXX So I don't know if this is for a different person or an old debt for someone eles but it's not mine and their mistake has had severe effects on my credit. 

It says opened XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$630.00} {$630.00} Payment Info Original loan amount {$630.00} Balance {$630.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX please remove this immediately and do not place false invalid debts on my report.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (PA)

I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : -- -- -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  -- -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I submitted a travel insurance claim for a cruise vacation to XXXX which is the travel insurance provider for Chase Sapphire XXXX credit card. I provided all the documentation that they requested, I got on a call 2-3 times to discuss my claim and was promised speedy completion as soon as I upload document requested or provide information requested. 

I have provided every single bit of information and documentation I have. The travel insurance company is not completing processing of my claim.
Consumer complaint received 2022-12-07
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. (TX)

In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS (TX)

This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account, which we never agreed upon nor did I sign any agreement for. A legal contract typically involves the participation of two parties, but I was not involved in any such agreement. 

I solemnly declare, under penalty of perjury ( under the laws of the United States, if this declaration is executed outside of the United States ), that the statements above are true and accurate to the best of my knowledge. Furthermore, I confirm that I am authorized by both FEDERAL and STATE LAW to file this dispute. I am fully aware that making deliberate and false statements or omitting material facts constitutes a FEDERAL CRIMINAL VIOLATION, subject to punishment under 18 U.S.C. 1001. Additionally, such misstatements can also be punishable as perjury under 18 U.S.C. 1621. 

The collections listed in my credit report are not associated with any transactions I have made. I allege that an individual or company, without my authorization, used my personal identifying information to obtain goods, services, or money and was successful in creating certain accounts. demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Consumer complaint received 2022-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

My loan was transferred to Mohela loan servicing recently. So far, what is listed on my account is incorrect. They have not accounted for all the payments that should be credited toward PLSF. If I want more credited, I would need to provide further proof however, the payments not credited were in the middle of the time that I worked at the qualifying company and can be verified by the employer or through my tax history yet, from what the site says, I need to collect this infomation and provide to them. I should not have to do this, they have access to my tax records and they should be able to verify through that. Additionally, there were instances during this 12 year period I worked for the qualified employer where I made more than my monthly payment + I made some lump sum payments of {$1000.00} to {$5000.00} each toward my loan and those were counted as 1 single payment vs multiple payments to the 120 qualifying payments. 

I have not yet been on a call with this company as each time I have tried to reach out, the wait time has been over an hour to speak with someone. I do not have time during my workday to sit on the phone on hold for over an hour. There is no way to contact them via their website either- you can make selections but their site doesn't allow you to complete sending a secure message unless you are uploading a form to them. This is not the XXXX century! They are limiting how customers can contact them and they have not staffed appropriately in order to handle the call volume which is causing undue hardship on it's customers. 

While the government payment relief is not available and is on pause at this time, the government has extended the payment pause and this is not reflected on my account either- it is still showing that I am in XXXX  through XX/XX/22 and does not show the new XXXX timeline. The site shows me in XXXX however, this is a government mandated XXXX, not a XXXX I placed on myself, that should be updated as well. 

The student loan changes are a nightmare and companies who took the outsourced loans for servicing need to do better as they are only adding fuel to the fire along with unneccessary hardship on their customers!
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MS)

I have been getting emails and letters about how i owe money on a credit card charge and i havent opened an account. Also when i try to sign in using my email to see this account thats in my name it says theres no account with this information
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. 
Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. 

The Student Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party. 

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.