davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (FL)

I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card. 

Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back. 

Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

I received an email XX/XX/XXXX, stating the account for XXXX XXXX was closed. I immediately called customer service to inquire on the reason for the account closing. It was a joint account. I was told that the account was closed by the bank and a cashier check would be mailed out for the amount of {$46000.00}. 
After XXXX weeks, XX/XX/XXXX I called Chase customer service to follow-up on the status of the cashier check being mailed out. I was told that the process takes a while and I should be receiving the cashier check soon. I asked if I could verify the address where the check was being sent and was told that I could give my address and they would be able to confirm the address where the check was being sent. I gave my address XXXX XXXX XXXX XXXX, XXXX IN XXXX. The customer service rep said yes, thats the address where the check would be mailed. 
XX/XX/XXXX, and I still had not received the cashier check, so I placed after to Chase customer service. I explained the reason why I was calling and gave the rep my information. I was placed on hold while they went to pull up the account. I explained I had not received the cashier check and if there was an update on when the check would be issued. They looked into my request and came back saying a cashier check had been spent out but was able to tell me who the check was made out too or where it was it mailed to. The only thing that they were able to tell me was a cashier check was processed on XX/XX/XXXX. The rep was able to give me a XXXX tracking number, which I was able to track and see that a package was delivered to XXXX TN on XX/XX/XXXX. 

The rep could not tell me who the check was made out to because they could not see that on their end. The call ended with sorry I couldve been more helpful. You might need to contact your local branch office for more assistance. 
I quickly made an appointment with the branch office in XXXX XXXX. My appointment was made for XX/XX/XXXX @ XXXX. XXXX Chase Bank manager was very attentive to my concerns, and she begin looking into why I was told by the rep on the phone that they were not able to see who the check was made payable to. After looking into the account XXXX made some calls to find out why the image of the cashier check was not visible to see. She was told the account wS handled by the back office. After being put on hold and transferred to different departments, XXXX had to ask if she could look into this account more later and give me a call when she found out more. To fast forward Chase bank has not been able to tell me who authorized the account to be closed or show an image of the cashier check that was mailed out. I was called to come to the bank to sign a declaration of lost stolen or destroyed cashier check. I didnt sign the document because I didnt agree with me saying I LOST the check. This account has been with Chase for over 20 years and I didnt think I would have to go through soon many problems to resolve my deceased uncles account.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

XX/XX/XXXX : A notice of errors was submitted via XXXX since SPS mentioned that we can not apply for a short sale because of the auction date. 

XX/XX/XXXX : Select Portfolio Servicing said we can not be reviewed for a short sale since we have an upcoming auction date on XXXX however we met the 37-day guidelines and had over 60 days from this date. 

XX/XX/XXXX : Docs have been received- they are unsure if a short sale is an option- under review - will call back on Thursday. 

XX/XX/XXXX : Adjournment done. New sale date its XXXX. Lets resubmit Emailed and Faxed the following to SPS THIRD PARTY AUTHORIZATION REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS MEMBER DOCS BUYERS PROOF OF FUNDS HUD1 / SETTLEMENT STATEMENT XX/XX/XXXX : The auction date adjourned to XX/XX/XXXX XX/XX/XXXX : Hired attorney to adjourn sale date. 
XX/XX/XXXX : Called SPS This file has a scheduled foreclosure sale date of XX/XX/XXXX. 
SPS will not review for a short sale because of the upcoming foreclosure sale date. 

XX/XX/XXXX : Emailed and Faxed the following to SPS THIRD-PARTY AUTHORIZATION REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS MEMBER DOCS BUYERS PROOF OF FUNDS HUD1 / SETTLEMENT STATEMENT
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (DE)

I made a payment of {$720.00} on XX/XX/2018, 3 days after I made my required monthly payment of {$240.00}, and requested the payment specifically be allocated solely to loan XXXX to pay it off. Instead, Great Lakes allocated the payment across XXXX, XXXX, and XXXX. This is the second time that Great Lakes has ignored my allocation request.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I applied for the Chase Marriott Bonvoy Boundless credit card through a link on Marriotts website that redirected to a Chase webpage. This webpage offered a {$250.00} Marriott Bonvoy eGiftCard delivered to your email upon approval for the credit card. I did not receive this gift card after I was approved. I called Chases phone number, XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2023 and spoke to a rep called XXXX ( I asked for a last name and she replied that she is not required to provide that information, nor an Employee ID ) for 33 minutes. She told me that she did not know why but I was not eligible for the gift card offer. I read her the Terms and Conditions of the offer, for which I meet all conditions. Then she told me that because I did not apply for the credit card over the phone, I was not eligible for the offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then she said because I had not applied through a targeted link from a search engine or email, I was not eligible for the promotional offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then, when I connected her with the front desk manager of the Marriott at which I had just checked in and was planning to use the gift card, she said that I was not eligible for elite pricing due to rejection by the credit bureau for my credit score. I asked her what credit score is required as that was not mentioned in the Terms and Conditions of the offer and she said that she doesnt know and that I will have to contact XXXX. At the time, my XXXX credit score was XXXX, which they consider Very Good. She then claimed that I would have received a letter in my credit card Welcome Kit informing me of the rejection. I received no such letter and I told her so. She insisted that I did receive one but regardless the only way to possibly receive the gift card was to open a case with Chase but that it was unlikely to be approved. I asked her to do so and she claimed she would but I heard no typing and she gave me no written confirmation. Sara gave conflicting information and refused to connect me to someone who did understand or was willing to find out what happened with my gift card, but the Terms and Conditions were very clear. They did not stipulate phone application requirements, targeted link requirements or credit score requirements. They simply stated that I would receive a {$250.00} Marriott Bonvoy eGiftCard upon approval of the Chase Marriott Bonvoy Boundless credit card, for which I was approved. I am entitled to a {$250.00} Marriott Bonvoy eGiftCard.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hello, My Wells Fargo XXXX XXXX was used on XX/XX/XXXX for numerous charge attempts that were not authorized and fraud. Wells Fargo Bank authorized one of these in the amount of {$2200.00} to XXXX XXXX. I did NOT make or authorize this transaction. I have filed two claims with no resolution. I personally went into my local branch yesterday at XXXX XXXX  and was treated terribly. They told me to go call the airlines and get documentation. I asked if we could call together so they could hear everything. They laughed and said no you can go call from your car. I did this leaving me no choice and of course the airline wouldn't provide me with anything unless I had a booking number which obviously I don't have since I didn't purchase anything. 

There were approximately XXXX attempts that day. Today is the XXXX of XXXX, Wells Fargo will not refund my money and I am overdrawn. I have escalated this case to every superior manager I can. I have gone into the branch and treated horribly. I have been a very loyal and good customer for 26 years. The individuals who stole my information tried again today and called my cell phone saying they were Wells Fargo Fraud Dept. I said I didn't believe them and they hung up on me. I contacted Wells Fargo immediately and told them of this call. They could see the attempts again but still will not give me back my {$2200.00} I don't know what to do. I have {$17.00} to my name and work very hard for my money. 

Can you please direct me or assist me with any rights or actions I can take. 

XXXX XXXX XXXX I spoke with even said on the phone she didn't know why they approved XXXX Here is her info : XXXX P. XXXX number : XXXX XXXX Office Case XXXX Enterprise Complaints Management Office Thank you so much XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NJ)

I called regional acceptance corporation after the collection agency called about settling the debt for the amount shown i the letter send to me. they picked up the phone once and never again. I took the settlement paid it off and the the account had not been reported as settled to the credit bureau. I would love for the right information to be report it and fix on my credit report..
Consumer complaint received 2023-04-25
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. (OH)

Referring to complaint XXXX with CFPB this issue is still not resolved. I have followed up with XXXX bank, and this inquiry remains on my Transunion credit report. Se attached follow up conversation below, and note the dates. It has been over 5 months since my original contact, and this inquiry is still negatively affecting my credit report.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I ordered my credit report from Experian and noticed that they had the incorrect address listed as my mailing address. I submitted a dispute or tried to submit a dispute and was told the " updated '' address that Experian has on my credit report is linked to my creditor or one of my creditors and that i must contact them diectly, so I did. I only have one only currently one open creditor so I called them and they did not identify with address that Experian put on my credit report either. So, I tried filing the address dispute online and Experian told me they resolved my dispute and I had to contact them at XXXX. When I called the number a representative was extremely short with me and was trying to end the cal as it was XXXX XXXX  right before closing. The representative told me that I can not change my own address back to my actual address due to the address being linked to one of my creditors. I am at a loss of what to do in this situation. I have had a freeze on my account for a number of consecutive years now due to severe I'd theft. However, I don't know if this is fraud or not. The consumer reporting agency will not give me any further information.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

I am disputing several purchases on my Direct Express card. I was locked out of my Direct Express App for several months. I finally got hold of Direct Express and had my App. unlocked. While looking at my purchases I noticed that there were several purchases that I didnt make and my money on my card went down to $ XXXX called Direct Express and explained to them that I had not made several purchase and was in extreme need of help. I gave them all my info including the purchases, dates, names of merchants, and amounts. One of the people said that I could file a claim online and he helped me with it. I let a few days go by because they said I should be looking for a deposit in a few days. I waited a week and nothing showed up in my account. I called today and they said the claim is closed and I was denied.my. My XXXX R # XXXX
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}
Consumer complaint received 2023-04-25
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. (NV)

In accordance with XXXX XXXX XXXX XXXX  This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can 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 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 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MI)

Circumstances led me to take advantage of Citi.com 's balance transfer promotions with the Citi Black Diamond card in XXXX and early XXXX. Three ( from XXXX ) were 0 % promotions, and one ( XXXX XXXX ) was a 1.99 % promotion. 
Of the four different promotion expiration dates, one was XXXX and another was XXXX, I paid {$1600.00} on XX/XX/XXXX to take care of the XXXX balance ( {$460.00} ) and part of the XXXX balance ( {$6200.00} ). 

I expected that the {$460.00} would be indicated as paid, and the {$6200.00} balance would be down to just over {$5000.00}, and my intention was to pay that off yesteray. 

When speaking with a Citi Rep for a very long time I learned : -The {$1600.00} XXXX paid DID NOT GO TOWARDS the {$6200.00} balance NOR DID IT PAY OFF THE {$460.00} balance. 
-The {$1600.00} went towards PART OF the balance due XXXX, and PART of the {$460.00}. 
XXXX was stunned and confused, and the rep said " that is the way it works '' in other words, they arbitrarily decide which individual " loan '' will be paid off so that the consumer will be forced to pay penalties ( I now owe a penalty for not paying the full {$460.00} amount on XX/XX/XXXX, EVEN THOUGH I PAID ON TIME and I was not told specifically what that penalty will be. 
-This is truly astounding. 
XXXX unexpectedly have to pay off ALL of the debt NOW or face major penalties on the larger {$6200.00} balance and will still be paying a penalty for the partial XXXX payment, when I was planning on paying MOST OF IT yesterday, and the remaining balance before XX/XX/XXXX when it was due. 
XXXX has added {$2500.00} to what I need to pay now and I will STILL BE CHARGED A PENALTY for not paying on time. 
XXXX asked the rep if they could take the {$1600.00} XXXX paid and allocate it towards the {$460.00} and the {$6200.00} balances and he was gone a very long time and said " no '' and frankly the tone was as if I was a criminal. 
-I have made every payment on time, have an excellent credit store and this was, again, stunning. 

Does this make sense? Is this legal? I just wonder if others have had this kind of " Twilight Zone '' experience. I really do not want them to be able to slide by with this kind of treatment.