davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: M&T BANK CORPORATION (PA)

I scheduled a meeting with the branch in XXXX with a branch employee and the excutive director/president of the organization. The president decided not to go to the meeting but did not inform me. I stopped in at the branch since I had traveled over an hour to find out what my options were. The employee made it clear that they'd delay their options to help me remove my social security number from the card. The employee further issued a credit card to the president on the account without my approval as I had the managing authority over the finances at the time. The employee continued to manage the situations and managed the situation internally with other employees telling me that there was no need for me to be a part of the process moving forward, even though it was clear that I had to be present to remove my social security number from the account. I instructed the employee to stop their involvement with the card, and they persisted to anyway. The employee told me that they'll get all the information from the other person, my father, against company policy of updating the SSN on the card and having both the person who's SSN was on the card and the person who the card would be updated to to both be present in the branch. I received a text today from the president that told me that my SSN was removed, but M & T confirmed that that would be against company policy.
Consumer complaint received 2024-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (LA)

Opened a new account with Citi bank and they blocked it saying there is fraud on the account when I'm the owner and my daughter is the secondary holder had money deposited to the account of {$1500.00} and now they blocked the account from being used and saying the money is not mine or my daughters and they won't fix the issue saying closing account and will lose that money. 
We can't get into accou t at all to send in a copy of the transaction to you guys
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (VA)

I called to change the address on my Visa credit card that I have through US Bank, which is my hometown/family bank. 

While on the phone, I was told that I was eligible for an upgrade because I have a good history with the bank and paying off my credit card. 

The term upgrade was used throughout the conversation. Because of this I didnt understand that I was opening up a new and different credit card, I thought that my existing line of credit was being altered and improved. 

Im confident that I consented to the hard credit check, but it wasnt clear to me why that was necessary for an upgrade but I foolishly let the bank XXXX assure me that this was normal and necessary for the upgrade. 

When I received an email about my new credit card, I realized that I wasnt receiving an upgrade at all, I was just sold a new, separate credit card. 

It was a very embarrassing situation. Im planning on switching banks eventually, but its a bit of a hassle to transfer all of my deposit accounts and find a new financial institution.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I have a collection on credit report from Sunrise Credit Services and on XX/XX/XXXX I mailed a validation of debt letter to the collection agency to provide me with validation of this debt also disputed it. The collection agency has not provided the validation of debt as I request and to cease all collection efforts on this and to remove any negative on my credit report to be removed.This collection agency continues to report this on my credit report. This is not my debt nor was I made aware of it.
Consumer complaint received 2024-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (AL)

XX/XX/XXXX TO XX/XX/year> Google Pay/Wallet including XXXX services demanded that I verify my identity by GOVERNMENT ID along with every card stored in my wallet. They wanted me to take pictures of my card showing all info and licenses. I informed them that this is a violation and at most need to be redacted according to the law. They threatened to close my account including Google XXXX XXXX At first told them close it because they have no right to that info. I verified it was indeed Google requesting said information. Freaking out I did submit the proof they required but with warning I was going to report them. I am infuriated by all this. I saw others online had this happen to. They flagged my account as suspicious ... .... They are suspicious to me. 


Another situation XXXX XXXX XX/XX/year> Google also would not uphold their warranty for 3 months I waited for them to make good on it until I quoted their own policy to a supervisor who agreed it made no sense. They still have open tickets when connecting with them about my Google XXXX XXXX XXXX They wanted to hold a credit card while sending me a new " pristine '' refurbished one even though I just got this phone end of XX/XX/year> paying {$900.00}. They were going to put an authorization hold on my card of {$990.00} ( Cost of brand new phone ) even though they were sending me a refurbished one. I fought with them for about a month before they said we will do it without a debit/ credit card. Why would they put a {$990.00} authorization hold for a new phone that has malfunction for a refurbished one in case I didn't send mine or didn't receive their " pristine refurbished one ''??? The cost for a refurbished one versus a new one is a significant difference. They were willing to charge me that amount in case it got lost on either side even though the warranty covers all this. I didn't have the money for them to put an authorization hold. At first they were not going to replace it at all because of this. I reported them and XXXX XXXX where I purchase the device to State General attorney of Alabama. I have been complaining to XXXX XXXX since XXXX but they delayed me and returning the phone within time allowed because I couldn't walk into the store at the time. They would accept by mail.
Consumer complaint received 2024-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (PA)

I have called the company EnerBank owned by Regions twice to find out how to pay principal down and also inquired on why my payments are being applied solely to interest. They say the only way to possibly pay more principal is to make two payments on the same day but this doesnt guarantee an all principal payment. They state interest accrued daily being the reason for this. In addition the terms of my loan are 20 year installment loan with set monthly payment of {$1000.00}. For the last few months I have paid early from due date and even doing so they are applying my set payment amount 100 % to Interest and only if I pay more is some of that applied to principal. They will not provide me an amortization schedule and given this is a closed end Installment loan I am unsure how I Would ever pay down this loan if the continue to not apply my payments to any principal. The rep informed me they are in Utah as if that gives them the right to use these unfair deceptive, bait and switch rent a bank scams on unsuspecting consumers. They are giving me no other options here than to file this complaint and informed me they have no complaint process and they would not have anyone else contact me. They also told me they act independently from Regions so there is nothing the parent company can do for me. They were not able to tell me who regulates them or who I could contact other than FDIC which is odd to me and FDIC is not who I should contact for there violations of the TILA and UDAAP. As it stands today I do not see how the TILA I have would suffice to inform a consumer fairly.

All I want to be able to do is pay my loan on time and have The appropriate amounts be applied to both principal and interest and to be given a way to pay down sooner.

I also filed an fcra dispute as they are not reporting this as a closed end installment loan but rather a line of credit which this is not. They changed it from a LOC to a personal loan but it is still not reporting accurately, my credit score dropped over XXXX points because of their inability to report the trade line accurately and completely.
Consumer complaint received 2024-11-13
Product: Credit 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: U.S. BANCORP (CA)

I noticed on XX/XX/24, I noticed unauthorized charges on my US Bank Credit card. I contacted the company and they stated that they were going to send me a credit card. On XX/XX/24, I received a call from XXXX from Card Member Services inquiring if I had received the new card. I informed them that I have not received the card. I then looked on the card app and noticed several new unauthorized charges from the US Bank Credit Card. The representative on the phone reported that a new card was left at my house under the mat. I informed her that I never it. The representative stated that she would cancel that card and send me a new card through " Rush Delivery ''. The following day the cared was not there. I again called US Bank on XX/XX/24 to report that I have not received the new card. The representative stated that the card was left on my doorstep by XXXX at XXXX. I again indicated that I have not received the card and she stated that she was going to cancel it and issue out a new card. On Sunday XX/XX/24 several purchased were made on the card that was supposed to be canceled on XX/XX/24. I have tried several times to dispute the charges with US Bank. I am now being held liable because US Bank is stating that someone was able to activate the card. I was proactive in alerting US Bank that I have observed fraud charges. The representative indicated that the two cards were going to be cancelled. I am not understanding how I am liable for fraudulent charges that were made by US Bank 's failure to inactivate the card when fraud was reported. I have completed a police XXXX XXXX XXXX : XXXX regarding the fraudulent charges. I have proof that I was not home during the time that representative indicates that the card was delivered. I would like the fraud charges removed from my account. The calls that I made to US Bank stated that they are recorded which should provide proof each time I indicated that the card was not received and representative stated the cards were going to be cancelled.
Consumer complaint received 2024-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I C Systems has reported debt of XXXX $ to the credit bureau and it does not belong to me. I have been fighting to get this off my credit report as I have not one time received a collection notice from the company who sent the debt to I C Systems nor have I received anything from the original collector. They just automatically reported this false information to credit bureau. I am not a customer of XXXXXXXX XXXX XXXX
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (FL)

Complaint XXXX settled all of my credit cards with a lawful financial instrument under XXXXThere are no rules regarding how debts are to be settled as long as lawful. Banks are misreporting : Barclays, XXXX, XXXX Bank, XXXX and XXXX XXXX. Credit report shows a charge off but they never returned the instrument and under XXXX XXXX states that even if the settlement is declined or rejected the debt is settled. Notwithstanding that all these banks and credit reporting agencies received the complaint, they have been trying to duck and dive around the law. I need help getting this cleared off my credit reportI am an insurance agent and companies with whom I contract are denying my applications and it is affecting my income
Consumer complaint received 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (CA)

Applied for a refinance through XXXX 's Wells Fargo Mortgage. Interfaced with XXXX XXXX and XXXX XXXX at Wells Fargo mortgage office. Was promised a XXXX day close, which instead took XXXX months, resulting in additional costs, time and mental duress. 

Calls and Emails repeatedly not answered over this 4 month time frame. Was promised timelines multiple times and those timelines were reneged on. I'm attaching all email correspondence over these XXXX months with the Wells Fargo team. 

First mortgage application was declined stating flimsy reasons, and second mortgage application was kicked off.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX deposited money on to a Citi Card ( on my behalf ), since according to them, they have gotten away from paying people by checks, and they do not offer direct deposit. <P/>They deposited a {$600.00} Bonus on my card XX/XX/XXXX. I went to one of their XXXX XXXX ATM 's onXX/XX/XXXX to dispense the funds. The location I went to was : XXXX XXXX - XXXX, TX XXXX ( XXXX XXXX XXXX Branch ). The funds was not dispensed, and I contacted XXXX XXXX XXXX ATM dispute department, they told me I had to contact the Card Services on the back of the card in which I did, and the dispute process began. <P/>It is currently XX/XX/XXXX, and I was told on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX - SVP, Group Manager ) that the {$600.00} was refunded back to Citi Card onXX/XX/XXXX. Citi Card has not to this day dispersed my {$600.00} back on the card.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX ( of XXXX XXXX XXXX XXXX, XXXX XXXX, Florida ) defrauded XXXX XXXX of {$200000.00} as she was XXXX from XXXX XXXX and Wells Fargo ignored obvious check fraud. XXXX XXXX deposited approximately 15 checks for {$9900.00} over the three weeks. He used so many checks to avoid tripping the Bank Secrecy Act limits. 

Wells Fargo didn't halt the payments for violations of the BSA nor for obvious fraud. They didn't contact XXXX  XXXX XXXX ( where the checks were drawn ) or investigate the deposit of 15 check just below {$10000.00}. 

Wells Fargo 's lack of action enabled the Exploitation of a vulnerable adult. Exploitation of a vulnerable adult is illegal in Florida. 

I would like Wells Fargo to investigate this fraud and violation of the BSA and prosecute XXXX XXXX.
Consumer complaint received 2024-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

LOAN TRANSFERRED FROM XXXX XXXX XXXX XXXX XXXX XXXX BOTH WERE FAXED MULTIPLE TIMES AND ALWAYS EXCUSES MISSING PAPERWORK, XXXX APPROVED BUT NOT XXXX, THERE IS NO REASON FOR XXXX NOT BEING MODIFIED, ALONG WITH MISSED PAYMENT SPS DIDNT PAY THE HOMEINSURANCE THAT WAS IMPOUNDED WITH XXXX XXXX FROM LOAN! YOUR ERROR AND YOU SAY DIDNT GET IT PULL XXXX XXXX XXXX XXXX PAPERWORK I HAVE IT AND HAS BEEN IMPOUNDED SINCE, ALREADY FILED COMPLAINT WITH CALIFORNIA DEPARTMENT OF INSURANCE XXXX WILL JUST FILE IN FEDERAL COURT THIS WEEK
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Am writing to ensure you always have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and need to be removed from all XXXX agencies ( XXXX, XXXX, Transunion ) as soon as possible. I sent the corresponding letters to each credit agency in it's perspective to solve this manner. This is the second time sending these letters off, but this time i had each of the letters certified. I also sent a copy of my identification and current address with a copy of my social security card for verification purposes. 

-Please delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other addresses that is NOT the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete the following inaccurate employers : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 
as stated above, I have enclosed copies of my state issued identification and social security number to validate my identity. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (NC)

I have my credit breached and a woman named XXXX XXXX has used my email and personal information to get a checking and savings account through Truist. I am adding a credit monitoring with XXXX. I did file a complaint previously in XXXX.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/year>, my phone, email, social media, bank card and credit cards were hacked. The hacker assumed my identity on multiple platforms. I called Wells Fargo immediately to cancel my bank card and start a fraud claim for XXXX XXXX charges. XXXX charge for XXXX, another for XXXX. I also called XXXX the same day to inform them of the fraud/hack. I was instructed to change my XXXX XXXX  immediately, which I did ( XXXX Case No. XXXX ). XXXX XXXX XXXX XXXX later confirmed the suspicious activity on XXXX  end. XXXX also indicated the charges have been charged back by Wells Fargo. Well Fargo denied my claim and stated I authorized the charges ( first claim No. XXXX ). XXXX was including items in my claim that were not a part of the fraud. I spoke with about XXXX different people who gave me XXXX different answers as to why my claim was denied. I then spoke with XXXX in the XXXX XXXX on XX/XX/year> who confirmed the first investigation had multiple errors. XXXX confirmed the items were charged back. XXXX filed a new claim on my behalf ( Claim No XXXX ) and said a special department would be handling the new claim due to all of the previous errors. I called Wells Fargo on XX/XX/XXXX to get the status, as we were past the 10 day investigation period. I was again informed my claim was denied because I authorized the charges. For the XXXX time I explained I was hacked. The person I spoke with didnt see any of the previous notes indicating the same- he kept repeating Wells Fargo wasnt hacked, I was. I did NOT authorize XXXX charges totaling XXXX. Wells Fargo continues to deny my claim and ignore the fact someone hacked my phone, social media, emails, bank card and credit card. I dont understand how XXXX can confirm the fraud but Wells Fargo can not.