davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I thought that I was ordering a weight loss product for the price of XXXX. 
But the company sent me a notice a few days after the purchase stating that the purchase costs XXXX and then they gave my credit card number to another company that charge me {$190.00} for shipping. 
I never gave this other company my credit card information so I filed a complaint with Citibank since I used my Citibank Best Buy credit card.

Citibank was very uncooperative with completing my complaint and I have submitted everything that they ask me to submit but they still have not refunded me.

I also told the company that I ordered from that I didn't want their product and they sent me a message via e-mail to inform me that they have cancelled the order and refunded {$49.00}.

Then a few days later Citibank sent me a message saying that they have refunded my account {$49.00}.

I asked them why they didn't contact the other company that I NEVER GAVE MY CREDIT CARD TO, and they finally agree to admit that it was in fact a fraudulent charge since I never gave them my credit card. However Citibank employees are treating me like I am an old woman who doesn't know what is suppose to happen next. This is really very much a case of Financial Elder Abuse and this case has been open with the horrible folks at Citibank and they have not refunded the {$190.00} charge that I never approved. I have called them and spent a total of 2 hours on hold with no solution to a very simple problem.

This horrible company never sent an order to me and they have my {$190.00} dollars ; this is a crime.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AR)

Barclay Credit Card had a ACH taken out on my checking account on XX/XX/XXXX. 
The next day they had a nationwide system glitch and tried to take payment again on XX/XX/XXXX My bank didn't pay the second time due to funds not being available. 
Barclay then did a reversal for duplicate payment ( there was never a duplicate payment ) on XX/XX/XXXX My bank sent payment back to Barclay on XX/XX/XXXX through the Federal Reserve System for retrieval. 

Barclay states they can't find the payment.

I have faxed all the information from the bank to them with no resolution. I have been trying to get this resolved since XX/XX/XXXX to no avail. I have been charged late fees and finance charges on my account due to this. The majority of the fees have been removed but I was just charged {$65.00} finance charge on XX/XX/XXXX that no one can remove because they can't find payment that was sent back. 

Barclay still shows me owing the amount of XXXX which is not in my bank account. I have a copy of all the banking information. 

I need someone to please help me resolve this issue. I don't want this affecting my credit report. 

I have also filed a complaint with the Better Business Bureau. 

Thank You, XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2024-10-18
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: NAVY FEDERAL CREDIT UNION (CA)

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 2022-12-13
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. (GA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number:XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Account name Citi XXXX/CBNA Account number XXXX XX/XX/2016 was closed Address XXXX XXXX  XXXX XXXX XXXX, SD XXXX Phone number XXXX I never had and account with them
Consumer complaint received 2022-12-12
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. (WI)

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. 

Account name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not not furnish an 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 2015-06-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC (LA)

I am in the process of paying an attorney for Chapter XXXX. I contacted XXXX different loan companies advising them of this and told them to cease all contact with me. The continue to attempt to call me on my cell phone and at my work.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

First, I get two mails from Chase Bank to my address informing me that I recently applied for an account with them. They went to acknowledge that the account were not authorized because there was not enough verification provided to verify that it was me opening the account. Both letters were dated XXXX XXXX XXXX. I didnt think nothing of it and thought everything was okay. 

Second, XX/XX/XXXX I received XXXX emails from JPMorgan Chase Bank. They came in around evening time around XXXX confirming that I enrolled in their credit monitoring program. Next day comes around XXXX I found chase number on their website to contact them over the phone, I speak to an agent then they transfer me over to the claims department. The agent answers to take all my information and the guy tells me that the account was processing but there was not an active account but he did see 7 profiles under my name but there were not any accounts. Someone was attempting to open accounts under my name but they were not processed. As the agent is processing my identity theft claim the call drops. 

Furthermore, I call back to get back to the claims department this time Im met with rude agents. Im transferred over to someone and the agent refuses to give me help. I am begging with them to stop the account before the account processes and go through but they tell me they can not help because theres not any account opened. I call back again to get a new agent shes talking so fast and being rude, she ends up setting my my identity theft claim but I blame chase because i ask them why would they process this account when I called earlier to warn them it was fraud. I never been a customer of chase ever and been a customer at XXXX XXXX XXXX for 5 years.

Lastly, I call back again to get more information form they account they refuse to tell me. They inform they added an alert. So I already frozen my credit as well and I then i sit on hold for 2 hours with no help. Agents are all rude and dont want to help. 

I called today XX/XX/XXXX to get more information but the agent ends up being helpful but she also refuses to help me out. She seemed lost or just laughing it off when this is serious. They didnt even want to disclose my information with me and I told them it was me. So, I told them Ill go to the branch with my police report to get this done and they said itll take days on end for them to process. Im very upset and angry, this is misuse of peoples information. Chase needs to be held accountable for this immediately and remove my account asap without a police report.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (CA)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

I have a checking and credit account with Wells Fargo. I had a full account breach where someone accessed my account, and emptied my account via wire transfer. I received a phone call from someone claiming to be a Wells Fargo rep stating there is suspicious activity. They stated that someone accessed my account and added themselves as an authorized user and turned off my alerts and activated wire transfer. This is part of the scam. They stated I would start getting emails alerts from Wells Fargo about the wire transfer and and email about suspicious activity, which popped up almost instantly. Because they were performing the wire transfer while I was on the phone. Then they stated i would start getting text messages with codes to verify my identity and needed to give her the codes. The scam was to keep my on the phone for like XXXX hours while someone impersonating my was on the phone with Wells Fargo at the same time using the codes i was reading to them to approve the wire transfer. They had access to my account during this process and Wells Fargo denied my claim stating that because myself or somebody else had access to my online account they could not give my money back
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (CA)

Went into Check into CashXXXX XXXX XXXX in XXXX California agent took most of my personal information, became rude when I told him I have no cell phone and challenged me to a fight. He said to " come back at XXXX XXXX and we could talk about it outside '' Said he was in military. I was furious he challenged me a XXXX year old man to a fight. I left without getting a loan while he got my personal information SS Number etc. Asked to speak to a manager and when they would be available, was told he " could not give out that information ''
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Since XX/XX/2024, I have noticed that my account with Wells Fargo has been suspended. I called them several times, but they did not know the reason. Finally, they gave me an email address and asked me to contact them via that email. I have sent them 6 emails, but received no response. Today, I had an appointment with the banker. After reviewing my account, they said that they can't help and the only way to request the unsuspension of my account is to contact the email address. 

Meanwhile, they have accepted my paycheck deposit from my work two times. If the account has been suspended, how can they process the deposits but not the withdrawals? 

Most importantly, how could they have suspended my account without any notice ( letter, email, phone call, etc. )? This is the account from which I am paid by my work. What law allows them to block my access to my money without any notice? 

I am a father with XXXX children, and I need my money. I have done nothing wrong. There are no suspicious transactions in my account. They have no right to do this to me.
Consumer complaint received 2024-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing ( SLS ) failed to honor my auto-payment deduction form, twice submitted with requested additional principal to be taken out. They failed to incorporate the form in closing already sent to them from XXXX  ( as they allege they did ). At closing I had to fill out another form as it was not accounted for. After closing both XXXX and SLS sent me notices of pending first auto-pay bill, with again the incorrect amount, without the requested for ( twice ) additional balance. Attempted to have XXXX  work with SLS to correct. XXXX  refused ( see my complaint on them ), instead sent me to SLS XXXX auto-bot customer service line. After some time going through auto menus, and first agent, then elevating this to a manager, SLS had me again confirm what I already submitted twice, wasting much time and energy. I requested confirmation that my first payment will now reflect requested additional principal. I have yet to receive any confirmation notice, but now have to wait to see if SLS, now after a third time, will honor request when first payment hits XXXX this year. This casts doubt on all the closing documents being honored/properly processed if a simple auto-pay form was ignored.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

Your report number XXXX : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account XXXX .... 


Address Identification Number : XXXXStatus : Collection account. {$770.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX 
This item was updated from our processing of your dispute in XX/XX/XXXX 


Date XXXX of XXXX XXXX Reported XXXX : Cell XXXX MonthsMonthly Payment : $ XXXX : IndividualCredit Limit : $ XXXX Balance : $ XXXX Balance : $ XXXX Payment : {$0.00}
Consumer complaint received 2024-03-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I've said it before, and I will say it again : to me, as a customer, I continue to see a collapse of auditing and regulation of these banks/services issuing prepaid/gift cards. 

They are purposely making it difficult to access/use the funds that were paid for. 

Another example : I received a prepaid Visa card purchased at XXXX. Package was intact, no sign of being previously opened. 

Upon opening the package, I notice two critical issues that immediately renders the card/funds unusable : the card number is missing the last 4 digits, and the security code is not printed on the back of the card. 

How is it possible that a bank packages a prepaid card missing critical information like that? Without this, I can't even use their website to check balance or request anything. I had to call and stay on the line for several minutes on hold, and talk with outsourced ( abroad ) customer service. To open a case, I was required to provide more personal information like date of birth - I tried to refuse providing that but then they would refuse service. Why do I need to provide my date of birth to replace a card that doesn't even have my name printed on it. That was never supposed to happen had the bank MINIMUM quality control over the cards printed. 
Funny that the barcode to make the purchase is intact, but inside the card information required to use the funds was not. 

Also, in their website, they already make it very clear how difficult it is to use the funds, saying that if transaction is declined, try to use somewhere else. I read on forum that this card gets declined in a lot of places ( like paying cell phone bills, and even utilities like water ). 

Plus this is a mess : card brand is Vanilla ; card issuer is XXXX XXXX ; card is services by InComm. I literally don't know who is responsible for what. The card shows Visa Debit, but it runs as Credit. 

It's all a huge mess. 

Until when this is going to happen? 
What else is required for you, CFPB and regulatory agencies, to take action against them? Why is these behaviors so accepted? 

There is clearly a fraud scheme going on, on purpose issuing low quality products making it difficult to use the funds. 

This is so embarrassing for this country, sincerely.