davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

Created a bank account with Citibank using promo code XXXX on XX/XX/2016. I funded the account with {$30000.00} on XX/XX/2016. The promo code required to : 1. Opean Citibank Account, 2. fund the account within 30 days with a deposit of XXXX 3. maintain that XXXX balance for 30 consecutive days after the initial deposit was made. 

The promotion was for {$400.00} that would be deposited into the bank 90 days after all the criteria were met. All the criteria were met on XX/XX/2016 ( 30 days after the initial funding deposit of XXXX ). 90 days after XX/XX/2016 is XX/XX/2016. 

As of XX/XX/2016 I had not yet received any credit to my account for {$400.00}. I called the bank on XX/XX/XXXX and was told that the credit was delayed because of the holidays and that a case had been created and I would receive confirmation via Citibank 's online portal system within 48 hours that a case had been made. On XX/XX/XXXX, I had not yet received a confirmation from CitiBank so called again and created another case with employee XXXX. The case number is XXXX. After calling back to ensure the case actually existed, I was told it would take between 45 and 90 days for the investigation to occur. This is unacceptable to me.
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

I have been a  XXXX  's  Cardholder for 5 yea rs and in that time have always paid my bills on time. I was hospitalized twice and have been out of work for approximately 4 months now due to illness.  XXXX  's used to be managed by  XXXX    XXXX   which  XXXX    XXXX   did offer card security in case of being unemployed, illness, death, etc. I tried calli ng Wells Fargo to exp lain to them my situation and informed them that I was willing to work out a hardship payment plan if possible. The problem that I have with this whole scenario is when I opened this account, I had  XXXX  insurance on the card  XXXX   XXXX  and  for Wells Fargo t o take over accounts and not offer the identical coverage and not inform the customer that they no longer have the coverage is unfair. This is information that a customer needs to know. Until I became ill, I always made sure that my bills were paid on time and m y credit score was  good. I thought that I had coverage and when I was told that I did n't I asked did they have a hardship program of some sort and their response was no and we can do nothing to help you. This is crazy!!!! I tried to explain that even though I 've been a good customer does that no account for anything? The response no sorry ma'am. This is unfair.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (IL)

LCI Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX  XXXX XXXX  Date Filed/Reported - XX/XX/year> Reference # XXXX - XXXX - XXXX Closing Date - XX/XX/year> Court - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Charged a {$12.00} processing fee for my Citibank basic checking account even though I had a combined {$1700.00} total between my checking and savings account ( the requirement is only {$1500.00} ). It turns out I was charged {$12.00} fee for a checking account I did not want, did not ask for and did not know I even had ( as it did not show up on my accounts screen for my online banking ). Luckily I was inquiring about how to transfer funds into my checking account when I inquired about the {$12.00} fee. ( Ironically, I was transferring funds from a XXXX XXXX account ).
Consumer complaint received 2017-08-16
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: CITIBANK, N.A. (CA)

I was reviewing my XXXX credit report on XX/XX/XXXXand I saw a hard credit pull from CBNA. I  contacted Citibank on XX/XX/XXXX and again today XX/XX/XXXX. Both times I was on hold for over 25 minutes in silence. I eventually ended the call. ReviewING others in similar situation, they advised that I contact CFPB.
Consumer complaint received 2017-08-16
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. (NY)

This investigation is still open under case file number XXXX. I have been patiently waiting for both Equifax and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both EQUIFAX and XXXX to remove these inquiries.
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2017 I made a deposit of over {$6000.00} via my mobile phone. Not knowing a hold would be placed for over 10 days. The mobile app does not tell you if a hold would be placed prior to you making the deposit. I found out after the fact. I then immediately called the bank to see if I could cancel the deposit as I could not wait 10 days. The first gentleman told me he would send it over for review and wait 24 hours. I then called the following day on XX/XX/XXXX and spoke to a young lady who told me the gentleman did not send it over and she would do it now, but I would have to wait another 24 hours and provided me with the number to follow up XXXX. I then asked her did they work on XXXX she said yes which again was a lie. I called Bank of America again today just to follow-up and was told that department was closed and the hold was now extended again! I was very upset and the gentleman I would assume to get me off the phone was like is it XXXX yet. I replied it 's not, but if the department is closed how is that going to help my situation. Bank of America needs new measure in place to advise their customers using the mobile app if a hold will be placed prior to the finalizing of the deposit. This was loan from my 401k XXXX for bills which now can not get paid of an extra 10 days have to expire. Its taking me longer to get MY money then it was for the approval and delivery of my check.
Consumer complaint received 2017-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (FL)

A relative used my social security number when checking in to a hospital. He did not have any identification of mine, he just knew my social security number. I have tried to get any documentation from the collection agency proving the medical bill belongs to me and explained that a relative had stole my identity. They have refused to provide any documentation.
Consumer complaint received 2017-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: S&S Physician Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Have attempted to update credit file with new legal name and newly opened credit card amount multiple times thru Experian website. XXXX XXXX has reported correct account info to all bureaus on XX/XX/year>, XX/XX/year>, and XX/XX/year>, This updated info is still yet to appear on my Experian credit report.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OH)

I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MO)

I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. 
They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.
Consumer complaint received 2017-01-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (IL)

I am automatic withdrawal for my monthly payment. There is plenty of money in the account to cover the payment. I see a {$52.00} late charge on my account. This can only be due to Wells Fargo mistake. I want the late charge removed. I have been on hold for 45 minutes waiting to talk to their agent. XXXX
Consumer complaint received 2017-01-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.
Consumer complaint received 2017-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AL)

See CFB case XXXX, this is twice they have closed this with the same resolution. unable to contact us, funny guys Wells Fargo, I now have close to 60 letters from them and get at a minimum 2 calls a week from them, so you just take what they say for their word. 
All of this in 6 months, they last claimed they have only been working this since XX/XX/XXXX and I have letters from XX/XX/XXXX and XX/XX/XXXX from them on file, they are liars and you Consumer Protection Agency are taking their side on this, look they have given the same resolution to this twice XXXX .... 


I can provide you a detailed log on Call 's received and letters received from Wells Fargo, this should be XXXX ... 

Reopen case ... if you want the proof ask me ...
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Voss & Klein, LLC (FL)

VOSS AND KLEIN COLLECTION AGENCY REPORTS TO THE CREDIT AGENCY AN ACCOUNT THAT WAS PAID ALREADY. 
THE ACCOUNT WAS LATE 30 DAYS AFTER THE FIRST INVOICE ISSUE ON XX/XX/XXXX, THEREFORE BY LAW IT SHOULD BE OUT OF MY CREDIT REPORT 7 YEARS AFTER XX/XX/XXXX WHICH IS XX/XX/XXXX. 
THEY REFUSE TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. THEY SHARE WITH XXXX, XXXX AND XXXX
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MD)

I had a XXXX account opened XXXX/XXXX/XXXX and closed around XXXX XXXX. This account was closed because of fraudulent charges. At this present time the creditor is reporting my account as Charged Off. I called several time to rectify the situation and the Supervisor continue to state that they will correct and update this information through the credit bureaus. Once again they continue to apologize for they mistakes.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Despite my five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Transunion stated in writing that they verified that these items are being reported correctly. Transunion refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Transunion is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Transunion to post the accounts listed below is evidence that it does not exist and therefore is proof that Transunion can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Transunion 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX ( remove unverified account ) 2. XXXX ( remove unverified account ) 3. XXXX XXXX ( remove unverified account ) 4. XXXX XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified account )
Consumer complaint received 2017-01-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AK)

I have a mortgage through Wells Fargo. I lost my home due to a fire approximately a year and a half ago and have hired a contractor to reconstruct the home. While the home was under construction, the contractor " accidentally '' built the home XXXX sqft too big and insisted that I pay him for it. I explained that this is not a possibility as we did not contract or approve the additional square footage. The contractor subsequently assaulted the woman living on the property and then quit the project. He and I are currently involved in litigation but I have continued to build the house and pay other contractors to complete the project. Wells Fargo has frozen my funds which are being held in escrow and claim that I can not recoup any money which I have spent until litigation is complete. The home is currently finished and I am awaiting the final inspection from Wells Fargo. Once the contractor quit the project, I followed Wells Fargo 's stated procedure for removing or replacing a contractor and hiring a new one. That procedure being stated as a termination of contract letter or the service of two letters, spaced ten days apart, stating that the contractor is essentially owed no additional money. This procedure was followed, but Wells Fargo subsequently chose to freeze all funds remaining in escrow. I would like the bank to release the remaining funds, as I have spent more than the {$35000.00} which is remaining in escrow.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I paid on-line for the XX/XX/XXXX bill, {$220.00} for account pay off when due date was XX/XX/XXXX. 
On XX/XX/XXXX for the XX/XX/XXXX bill, I paid on-line {$250.00} when the amount due was {$29.00} on XX/XX/XXXX. 
Then on XX/XX/XXXX I received a text msg that my account was past due. I checked the account online and it too claimed it was past due. 
I called XXXX and spoke to XXXX re : the error, asking her to fix it and provide proof of that and that no negative credit report was done. 
She claimed there was no error and that my payment of {$250.00} " was applied to the previous billing cycle. '' I tried to explain that made no sense because my XXXX XXXX payment of {$220.00} was made on XX/XX/XXXX and that the {$25000.00} was my XX/XX/XXXX payment which was not due until XX/XX/XXXX, when the payment due was only {$29.00}. 
Again she claimed there was nothing she could do. 
I have never been late with payments and always pay earlier than due dates. 
After our conversation on XX/XX/XXXX I felt so violated that I made another payment on line for {$50.00} which I should not have had to do if they had calculated my account and payments correctly. 
I still want written evidence that they have corrected their errors, and they have removed any " late '' notations on my account and have not done any negative credit reporting.