davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NE)

On or about XX/XX/scrub> 2024 I received an email from Wells Fargo Bank congratulating me on being approved for a Wells Fargo Mastercard with a {$15000.00} charge limit and it was in the mail to me. 
I realized that I was a victim of fraud and went to the nearest branch to discuss. I have a mortgage loan through Wells Fargo. They looked up info on the credit card and it had all my info except it application showed a mortgage balance of {$0.00}. which is incorrect and an annual income of {$180000.00}. also incorrect. The banker said that the email sent to me looked authentic and was concerned as to how that happened. I asked that they close that credit card account and when I received the card in the mail I promptly cut it up and disposed of it.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

On XX/XX/XXXX I left my apartment at XXXX XXXX. The apartment was fully cleaned before I had left. 

I was then hit with a $ XXXX bill saying that I damaged the property and there were cleaning fees to be paid. 

One of which was {$500.00} for trash removal. In my lease it states that I pay monthly to have my trash disposed of. 

I then asked for evidence to show that I owe this amount and the debt collector said to me that XXXX makes up their prices becuase they are in house. 

So essentially they lie about having to clean the place and then over inflate the charges for the person in debt.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (KS)

The XXXX XXXX i ask to remove late payment 30 days in accordance with the law, my rights have been violated. Late payment reports to your consumer reports is illegal. In 15 U.S. code1681a : Definition and rules of construction ( 2 ) Exclusion. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as a transaction or experiences between the consumer and the peron making the report ; transaction are not included in the report and request is to remove late payment from the account
Consumer complaint received 2024-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (GA)

I requested Sofi to initiate a an investment brokerage transfer from another account in my name the transfer was completed however sofi placed a 30-day hold on the funds transferred I felt that this was inappropriate they did release the funds after a 12 or a 14-day review of the funds transferred I initiated a automated moderate risk investing in a brokerage account it's sofi instructed sofi to transfer funds into the checkng and savings account sofi cleared the account and did so. On the XXXX to XXXX of XXXX after their 14-day investigation of the of the the funds transferred into the sofi account it was cleared I had problems removing funds at XXXX XXXX  I was in contact with sofi support was instructed to delete XXXX from the XXXX a banking app and to reinstall it and to proceed with the checkout again resulting in seven denied transaction as a result of inability to I'm verified that verify the pin number resulting in a security breach and locking the account so if I refuse to lift a hold and or to explain why there's a hold on the account the account has been cleared after a prior 14-day hold and in less than 20 hours the account is now Frozen again and we are reaching day nine of of the new hold so if I refuses to allow me access and or to move and transfer funds to monitor the mortgage the brokerage account so I support caused the security breach by the seven failed transactions at Dollar general resulting in an incorrect password or PIN numbers and refuses to correct their error
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC (CA)

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BMW FINANCIAL SERVICES on XX/XX/2016 which l have no idea about it at all.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

You received my dispute regarding some transactions and late payments that you and SANTANDER furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX, stating that the account was verified!!! Of course this puzzled me when I never asked you for verification I simply told you that I was aware of the laws you were breaking. for example, how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? DO YOU STILL FALL UNDER THE FCRA LAWS? DO THEY KNOW YOU ARE WILFULLY VIOLATING THEY LAWS AND MY RIGHTS? OR DO YOU JUST NOT CARE? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. Just because a creditor reports it to you don't forfeit your obligation to follow the law!

I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, SANTANDER & XXXX have fraudulently verified an account without a reasonable procedure as required by law.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Dear rep ' Please be notified that in the last XX/XX/XXXX, i agree to exept " Citi Dimond Preferred card '' offers of balance transfers with 0 % APR for one year, i requested balance transfer to my credit card account with XXXX XXXX of XXXX, and i start send citi diamond first payment at XXXX XX/XX/XXXX, sinc XX/XX/XXXX till XX/XX/XXXX i end up sending to citi dimond payments total of {$17000.00}. 
when i recieved the last statment for XX/XX/XXXX showing balance of {$3600.00}, i decided to check that with XXXX XXXX, i spoked with the super visor of XXXX XXXX that review my account back for 14 months, find that NO money was transferd by citi dimond whath 's or ever. 
on the top of that citi diamond claim sending found under my name to XXXX XXXX XXXX XXXX XXXX, that not even belong to me, i never add any XXXX XXXX XXXX 
i want to indicate that citi diamond did not send me any card with my name. 
i'me XXXX XXXX XXXX, living on social security income, and raising my XXXX grendchildren, i can't afford to loss money. 
please, i desperately need your help to solve this issue by getting my money refund to me. 
I having all the docments to proofs this claim. 

Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I have provided all the letters that I've sent for resolutions
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MS)

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX  account # XXXX and Sync/Sams account XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 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. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (MO)

XXXX XXXX on-line for {$1000.00}, in office loan XX/XX/XXXX for {$640.00}. I spoke with them in XX/XX/XXXX to ask my total cost, which I was told {$3900.00} I ask why and I was told because of my credit I have a XXXX interest rate which I had no knowledge it was that high. I wasn't informed when filling out my application or I wouldn't have accepted that. The lady at the office even helped me lie on the application so I could be approved by putting stuff on there I didn't own for collateral.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (MO)

I was a victim of the Wells Fargo auto loan scam. I received a check for the auto possession and their wrong doings but I didnt receive anything for the gap insurance they had forced me to have in order to get the loan with them. I can not log into my account anymore nor can I call the XXXX XXXX in order to get my statements etc.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

Since opening my account, I have called Chase several times regarding my XXXX XXXX club number being incorrect in their system. However, each time the agent shares that they have updated it, it has not been updated. As a result, I have not received any XXXX rewards points for the entire time I have had this card open. Each time I call ( weekly since XXXX ) Chase advises me to call XXXX and XXXX advises me to call Chase. 
The correct number for my XXXX executive account is XXXX. Chase removed the XXXX so the points are going to a different customer.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I went into XXXX car dealership in XXXX Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I have an American Express XXXX XXXX card. I pay ~ {$800.00} per year in membership fees for this card. As a part of my membership, I am supposed to receive a companion airline ticket in the month I renew the card each year as benefit of my membership as a cardholder. 

I renewed my card in early XX/XX/2024 and paid the membership fee. Since then, American Express has not followed their policy or commitment to provide a companion pass to me. I have called several times to ask when it will be resolved. Each time I call, they say they are working on the issue, which has effected more customers than just me. They will officially be XXXX months late on fulfilling benefit of the companion pass to me next week ( as XXXX begins ). Each time I call, they can not provide a date when the issue will be resolved. 

My concerns are they are not honoring their policy and commitment to me regarding the companion pass ; they do not have a timeline to resolve it, and they keep blowing me off when I ask for a resolution.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (WA)

The Comments in the REMARKS Section Placed by Lending Club on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING LENDING CLUB OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XXXX XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION.

4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alco Collections, Inc. (LA)

I received a letter in the mail on XX/XX/18 from Alco Collections, INC stating that I owed a debt of roughly {$2600.00}. The letter stated that I could dispute the debt within thirty days of receiving the letter. On XX/XX/18, I mailed a letter by certified mail disputing the debt owed. On XX/XX/18, I received an alert to my XXXX, XXXX, and XXXX credit reports that the debt from Alco Collections has been added to mine and my husband 's credit reports. Today is XX/XX/18, and I have not received any further information about the debt in question. I have the original copy of the initial notice of collection from Alco Collections, the copy of the receipts from the United States Post Office showing that I mailed a letter by certified mail, and a copy of the letter I mailed requesting Alco Collections to validate the debt in question. I will be more than happy to provide this information at a later date if deemed necessary.
Consumer complaint received 2023-05-23
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. (GA)

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 Account # 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 2024-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (CA)

XX/XX/year>, I called Chime to have XXXX XXXX blocked, and it was successfully blocked by a supervisor. She did advise me that it can be blocked both ways, checking and through your debit card. I asked are you sure she said " yes, they will not be able to debit from my checking or debit ''. All calls were recorded to be assured that this was what was explained to me. To the best of my knowledge I believe I requested a new debit card. Over the months I have been receiving messages from Chime advising me that XXXX XXXX was declined because of their blocked on my account for debiting. Now, today XX/XX/year>, Chime pay a transaction on the account for {$180.00} which I have previously had blocked. Spoke to a supervisor XXXX, today he advised me there was nothing that they can help me with and disconnected the call. This is beginning to be in continuous problem with this XXXX XXXX XXXX XXXX  They do not follow federal guidelines, nor not stop any requests necessary and all disputes are denied. Also, I transferred {$8.00} to the wrong person back on XX/XX/year>. I reached out to the person locating her through XXXX. I advised her that I sent a transfer to the wrong person she acknowledged that she did receive it and how did I know who she was. I told her because I got the name from chime and that's how I reached out to her. I sent over messages with me conversations I had woth XXXX XXXX about the transaction. I reached out to chime sent in the information over through email and they still denied my dispute claim.