davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit card or prepaid 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: CITIBANK, N.A. (AZ)

While on vacation a fraudulent charge was made on my account. A restaurant had taken my card to settle the bill and it charged the correct amount which I agreed to. While they had my card they must have swiped it again for a fraudulent amount which I did not realize until I got home. I instantly locked my card and disputed the charge. I have tried calling Citi Bank many times and I keep getting transferred to different departments or lied to. One time calling the person I was on the phone with had told me that he had credited my account for the fraudulent charge and that I should see it in a few business days.He must have lied to me just to get me off the phone with him. After a few weeks I called back and they let me know that was not true and the claim was denied and closed. I have tried many different ways to contact Citi bank but they have made it very complicated to get a hold of someone who can actually help. 


The date was XX/XX/XXXX and the amount was XXXX. 

Here are the details of the charge on my statement without including any PII. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE FARM BANK, FSB (CA)

I previously filed two complaints against XXXX XXXX XXXX XXXX XXXX XXXX and its " online bank '' FSB Today XX/XX/2019 I found an overnight letter from XXXX XXXX XXXX XXXX, XXXX IN. 

This is a Complaint against this " bank '' for FRAUD. In the envelope are document which PURPORT to be my signatures attached to the " Application '' and " Acknowledgement ''.

One place where the tiny " signature '' was placed is a BLANK PAGE with the word " Acknowledgment '' and " by making this deposit the depositor agrees to the terms and Conditions stated above and taken special notice of the discussion early withdrawal penalties which apply to this deposit included in the terms and Conditions. By signing below, depositor acknowledges receipt of an Account Disclosure related to this Account. '' This is an outright LIE. I never saw anything prior, and I NEVER signed such a document. Moreover XXXX XXXX Agent stated this was SOLELY to identify the appearance of my signature on a card. i.e. illustration to prevent forgery. 

It is fraud for SF to represent to me that I ever SAW, ever WAS TOLD, ever RECEIVED prior the account, any DISCLOSUREs, Applications, These documents are HARD PROOF they created ex post facto documents THIS WEEK, and sent YESTERDAY, which showed a " signature '' to these documents. 
Yesterday they created a compliant " Application '' and " Acknowledgment '' and miss-used what XXXX XXXX, my agent stated was a " sample of your signature '' to ensure your distinctive signature is on file. 

What they added to these yesterday documents is a scrawl which is ONE/HALF centimeter tall, and 2.2 centimeters wide. 
Anyone who claims that tiny, illegible scrawl -- is my signed & dated signature approving and accepting those terms and documents is a liar. 

I am willing to swear under oath to the above, and I believe CFPB needs to get a perjury sworn statement from SF. 

This is hard evidence of using fraud and/or deception to obtain my funds. 
I have NO doubt they are and have done this to many people who trust XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (CO)

Hello, XXXX XXXX XXXX XXXX, who owned XXXX XXXX. in CO, but has since sold. Refused to close out the apt . I left in XX/XX/2022. They did not meet me to close the apt or present a final bill. ( XXXX ). I emailed and phoned dozens of times & they never returned my calls. They ended up sending a balance of {$520.00} to XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX of course reported this to all three agencies & charged me a fee raising the amount {$560.00}. This should have never went to collections. I emailed my state attorney general about the real estate company. But, it was too late for the damage to my credit report. I paid XXXX XXXX, with the expectation that the information would be completely deleted from all three credit reports -- not just reported as paid, but they did not so, so I still have a delinquent mark on my record, which is completely not my fault! They lied and have only updated the record as paid. They refused to provide anything in writing either. I have a 3:34 recording attached -- both parties knew they were being recorded -- -stating this info would be fully deleted from all three credit bureaus.
Consumer complaint received 2024-10-25
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. (SD)

Recently, I reviewed a copy of my credit report and identified several inaccuracies. These discrepancies are negatively impacting my ability to obtain credit. I understand that credit bureaus are responsible for investigating accounts to ensure their accuracy. I kindly request that you verify the following account : Account Name : XXXX XXXX Account Number : # XXXX
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc (WV)

I was given an invitation to establish a Chime account with the assurance that once I had deposited {$200.00} the individual that sent me invitation and I would receive {$100.00} each. We spoke to multiple Chime representatives about this. We were instructed to go to the Social Security office and have them redirect {$200.00} to the Chime account. Social Security said they can not split my monthly payments. We called Chime again and were advised to do a bill pay from my banking app. I went to my bank branch and completed the necessary paperwork to send Chime {$200.00}. Now Chime is refusing to honor their advertisements as well as the instructions given by their representatives. I do not want to continue with Chime if we're not going to receive the advertised {$100.00} each. I tried to cancel the Chime account and stop the bill pay, but I find out it will cost me {$36.00} to cancel. This isn't right. We did exactly what Chime instructed us to do. Multiple representatives lied to us on multitude occasions. Please help me and expose Chime for theie lies!
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MS)

Discover Financial services calls me twice a day EVERY SINGLE DAY for months and months. They overflow my voice-mail they change their number so I will answer a non blocked number. The debt they are calling for is not even mine! They harass me daily asking for my son. Who is a grown man and lives elsewhere. I'm beyond exhausted from repeating that to them.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

As of XX/XX/XXXX I deposited my tax refund for {$3300.00}. I made {$800.00} worth of transactions from that date through XX/XX/XXXX. However, my account was held for {$1700.00}. This caused my account to be overdrawn which has stopped me from bill payments and managing a daily line for myself and my family. On XX/XX/XXXX my ending available balance was approximately {$130.00}. By XXXX of XXXX my balance was {$2800.00} so I paid {$2000.00} for my rent which brought my balance to approximately {$700.00}. By XXXX that same morning, my account was suddenly overdrawn by - {$260.00} and has continuously grown since then. My rental payment was not scheduled for autopay, nor do I have overdraft protection. So how is it that there is no trace of a {$2800.00} deposit, yet my transaction was still approved? I have called us bank customer service multiple times and was provided no resolution. I visited branch number XXXX and spoke with their manager XXXX XXXX and he agreed that money has been mysteriously moving throughout my account and that the numbers are not adding up. He contacted accounting and they say my- {$1700.00} hold was due to my rent payment. This is untrue because the hold was established on XX/XX/XXXX ... rent was XXXX... again, I did not have auto pay. I paid {$2600.00} via apple pay for a car and even after that transaction & various others, my balance was still positive. I have not heard from XXXX XXXX regarding this matter and have left 2 voice messages and called their branch well over 5 times. I am under the impression that US Bank has stolen my hard earned, tax-paying dollars and has now caused unimaginable suffering. I am seeking legal counsel regarding this mattera as well as filing complaints with against FDIC, my banks Primary Regulator, and CFPB. All I want is my funds returned & my account brought back to a positive standing.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX along with XXXX, Equifax, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 2019-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

I have over {$180000.00} in an Ally account and another {$1000.00} in an investment account. I have had the account for less than a year. Twice a month I had funds transferred to that account as part of a regular savings program. On XX/XX/2019, I attempted to transfer {$60000.00} out that account to pay taxes. Subsequently, I attempted to transfer {$20000.00}. In short none of the transfers went through. We spent hours on calls trying to figure out why. Then I got frustrated and I tried to close my account. Ally blocked my online access to the account. My wife and I had XXXX or more calls to them. My online access was never restored. Last Friday I was on the phone from XXXX am to XXXX pm. Finally, I was told I had to do a wire transfer and pay {$20.00}. I would receive the money the following day, Saturday, XX/XX/2019. On Saturday I called because I had not received any funds. I was told, besides what I was previously told, that there were no transfers on a Saturday. I was told I would receive the funds on Monday, XX/XX/2019. On Monday I didn't receive any funds. I called Ally who told me there was no request for a wire transfer and I had not previously contacted them about a wire transfer. 

At one point, I was told by their Fraud Department that our calls were recorded. If that is true there should be telephone recordings that will verify this complaint. I believe this is intentional and a systematic design to prevent or make any large transfers of funds. They tell you there are red flags and problems that prevent the transfer. That does not explain that I have systematically transferred on a regular basis almost {$190000.00} into their bank. The first time I tried to withdraw money its been a nightmare. At this time I still have not been ale to get one dime out of Ally.

Even if this is one big series of mix ups, their lack of support and customer service is terrible. You have long wait times. Often I am on the phone and then I get disconnected. I often spent over an hour on hold. I would then get transferred and then that person would put me on hold. Because everything is online a customer is powerless to do anything other than call back when they are disconnected and get back into the queue. When I would ask to speak to a supervisor then each supervisor seemed irritated that I asked to speak to them. They would tell me there is nothing they can do because I had to talk to another department. Ally is the worst bank I have ever dealt with by FAR.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (OH)

Regarding Santander Mortgage Loan # XXXX Issue 1 : Santander has discontinued/stopped reporting all loan payments to the three credit bureaus, XXXX, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX myself ) . 

On or about XX/XX/XXXX, this mortgage has been sent to the Bankruptcy department of Santander due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account. 

I am filing this complaint to enforce Santander to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at XXXX, XXXX, and XXXX. 

Issue 2 : Santander has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my Santander mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested Santander to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account. 

On XX/XX/XXXX I received an email from the research department of Santander stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, Santander is unable to remove the internet stop on this account. As such, the online payment option will not be available to me. 

I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally Santander should be reporting to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. XXXX
Consumer complaint received 2023-03-08
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. (NY)

I filed a complaint against Experian about five months ago because my FICO score appeared to be incorrect. They adjusted it but it seems like I'm having the same problem again and no one is available to discuss it. For the past three months my score has remained at XXXX due to usage of available credit between 2-3 %. My balance was between {$650.00} and {$350.00}. During that three month period my score dropped with XXXX from XXXX to XXXX. When I paid my bill down to {$81.00} XXXX raised my score to XXXX. Experian dropped it from XXXX to XXXX. No one available to tell me why. I feel like it's retaliation for previous complaints filed with CFPB as well as not joining there paid service to increase my score. 
This is unacceptable. I work hard to increase my FICO score and they can drop it any time they please without explanation?. I expect a change in my score if I use available credit but not if I pay it down. 
My score was XXXX, they dropped it to XXXX something. After my complaint to CFPB it was adjusted to XXXX, then XXXX. At this rate I will never reach XXXX which is my goal. THEY ARE DOING THEIR BEST TO PREVENT THAT FROM HAPPENING. PLEASE HELP
Consumer complaint received 2023-03-08
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: BARCLAYS BANK DELAWARE (CA)

In accordance with the fair credit reporting act XXXX  Account XXXX has violated my rights. 

15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (SC)

I continue to receive statements from my Synchrony-Care Credit despite the account being closed and paid in full as of XX/XX/XXXX. I have a statement, closing date of XX/XX/XXXX, stating there is a balance of {$4000.00}, including late fees. 
I have attached a copy of the statement and a copy of a letter from XXXX XXXX, Senior Specialist with Synchrony Bank 's Corporate Consumer Relations. This letter is dated XX/XX/XXXX and is her response to my first CFPB complaint, Case # XXXX. In this letter she acknowledges that the account has been paid in full, but she also notes that any statements I receive were done during the account settlement being processed. Why am I still receiving statements if the account has been processed?
Consumer complaint received 2019-02-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Pennymac loan services is reporting that I have an almost {$300000.00} mortgage loan. I do not, that is my ex-husband and new wife 's house now. My name is showing in loan ex said he called a few months ago when I noticed this error and said company would take care of it. It's still showing in my credit report how do I find out if he somehow kept my name on their house and how do I get this resolved?
Consumer complaint received 2023-03-09
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2023-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I purchased a home with Rushmore Loan Managment Services in XXXX of XXXX. In XXXX of XXXX  they offered a forebarence to me for 6 months. The forbarence said it was with HUD. Rushmore then filed the lien on the behalf of HUD against my property. Two years later Rushmore Loan Management Services transferred my mortgage account to XXXX XXXX XXXX. XXXX XXXX contacted me to advise me that they would be my new service provider and provided me with the payoff. Rushmore charged XXXX XXXX the principal balance owed and the additional {$20000.00} for the forbarence lien that was placed against my house. Rushmore did not tell XXXX XXXX what the additional charge of {$20000.00} was for and XXXX told us we had two weeks to pay it. I then tried to sell the property and was under contract with a buyer and the lien for the {$20000.00} came up on the title report from HUD. My attorney and myself made several calls to HUD and they had no knowledge of the lien and directed me to call my original bank back ( Rushmore ). HUD told me that Rushmore never submitted any paperwork to them for the Forbarence lien and that they would not be able to provide us with a payoff or discharge. Rushmore could not provide a payoff or discharge because the company said HUD filed the lien. HUD could not provide a discharge or payoff because they said Rushmore did not file the paperwork with them for the lien. I was not able to clear title and sell the property. One year later I'm attempting to do a Home Equity Loan and Rushmore was paid and will not provide discharge or any docs, They are telling me to call HUD and HUD is telling us they have no record of the lien filed and it was not filed by them. Rushmore was paid by our new service provider and admits that they received the payment but states that theres nothing they can do for us.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (FL)

I receirved a Fortiva mastercard that I did not apply for. I had a retail acccount with Fortiva with credit limit of XXXX with balance owed down to XXXX which I have had since XXXX. Than I was sent a Fortiva mastercard with a XXXX dollar limit with APR of 29.9 %. I called the company and I was informed that they sent me an emial on XX/XX/XXXX stating I was being upgraded and if I want to opt out I had 45 days to respond. However, I have kept every email I have from Fortiva and I explaned to them over and over that I did not get that email. I than contacted the corporate office and spoke with XXXX at XXXX XXXX Tues XX/XX/XXXX and informed me that he needs to speak with his legal department. I spoke with XXXX again on XX/XX/XXXX and he informed me that there was nothing they do and refused to switch me back to my retail account. I again told them that I never authorized my retail account to be closed and never authorized a new mastercard account to be opened in my name. I never recieved such email and I asked to send me the orginal email that was sent or an orginal letter that was mailed informing me. Fortiva has been unwillingly to provide this information. I feel like this decepive to me as the consumer.