davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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: CITIBANK, N.A. (AZ)

I was a victim of credit card fraud. My CitiBank XXXX card was compromised beginning in XXXX of XXXX. After many conversations with Citi XXXX department I was assured that my complaint was being investigated and would receive documentation confirming so. In the meantime I continued receiving alerts of charges that were not made by myself and were not authorized by me. After repeatedly notifying CitiBank there action was to close the account and reissue a new card, and send that new card to an address that I was not associated with. Fraudulent charges continued to be made on my behalf, using my identity. Now after many, many months and many misunderstandings ( constantly speaking with Citi representatives who lacked comprehension of my statements/complaints ), the case itself has been resolved in my favor. The problem is I have not received documentation stating this! And I have since found out that CitiBank was continuing to send correspondence to the fraudulent perpetrators address. 
In addition to the theft of my identity ( SS # ), my credit rating still suffers because CitiBank is not properly notifying the Credit Agencies of the resolution, etc.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Account reported XXXX late payments from XX/XX/2022 to XX/XX/2022. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies section F. The furnisher is to make accommodation for XXXX or more payments during the pandemic and shall keep the account current. My account was deemed late despite making a full effort to stay current and pay off account. Account is now closed and payed in full.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MI)

I received an online savings account statement from Goldman Sachs Bank USA. It provided me an account number and information that an account was opened in my name with the account balance of XXXX. I did not authorize this account to be opened nor did I give Goldman Sachs any of my information, I'm just trying to make sure that this account is closed and Goldman Sachs is not able to help me close it at this time. And I want to make sure that there's no activity on this account before it is closed officially.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-19
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. (NJ)

The credit monitoring agency TRANSUNION, violated my rights, in accordance with USC 1681 ( a ) ( b ), providing inaccurate information to XXXX XXXX, which caused my request for a credit account with XXXX XXXX, to be denied. In addition, also caused my credit line with XXXXXXXX XXXX XXXX, to be reduced from XXXX dollars down to XXXX.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/XXXX, I called company and requested due date to be moved. It went from the XXXX of the month to the XXXX. 
Loan account had Autopay and XXXX XXXX XXXX it and I was told to make manual payment and later turn Autopay back on. 
I made a payment on XX/XX/XXXX directly online. Then on XX/XX/XXXX, the company took an Autopay payment in spite of it being turned off. 
I called company and questioned why this was done. I was told they were unable to provide any information on my account because it was locked. I was unable to speak to a Supervisor and get any support. 
Company claims it can take up to XXXX XXXX  to resolve the problem. They claim there is no Customer Service # to call the Corporate office. 
Now I have other loans with same company and I have done business with them over the years. I never had any issues. 
However, when I log into this account online. Instead of showing monthly payments past and future. For the month of XXXX it shows XXXX payment due with no due dates. 
This was pointed out to the company the error in billing, they refused to address the issue. 
I received email from company telling me I need to reverse the extra payment with my bank. however, they made the mistake and need to reverse payment. Also, I am told if this is not done they will apply it towards payment due on the XXXX. 
I have been trying to resolve this error since end of XXXX when I noticed XXXX payments made in XXXX and only XXXX was due. 
Previously, their excuses not to reverse payment was due to payments not being cleared. This was both of them. 
I paid the first payment according to plan and in spite of turning off autopay this company proceeds forward regardless what the consumer is requesting. 
This company 's customer service is terrible. Due to language barrier it is hard to understand their Reps. I have never had an account locked by company when you inquire about your account. And then refuse to explain why and refuses to give information. They appear to be stalling up to when the next due date comes around. This is a shady practice that has no merit. 
This company needs to reverse my payment instead of their Rep telling me to report a dispute to my bank. And then right after when calling my bank, I am still having issues. It took my several times writing a dispute to them and they never understood what account I was referring to instead answered back with another account I was not even talking about. It appears this company wants to overlook their error and not taking responsibility for their mistakes. Instead of admitting it they want to point fingers at me. If Autopay was turned off XXXX XXXX in advance then they had no rights to process anyway. 
This was an unauthorized payment. They should of returned payment. 

Account listed under my legal name : XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This debt was sold and charged off to third party vendors which debt was incorrect I have received no information prior to debt be sold off. Under the fair credit act I ask all accounts be removed from credit profile for incorrect information also debt sold off without prior knowledge
Consumer complaint received 2024-09-09
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: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/year>, I created Plan It Plans with American Express. At that time I had a Pay Over Time Limit and Balance. At that time I had used 78 % of my Limit. On XX/XX/XXXX, all subsequent charges went to my Pay Over Time Balance and therefore, reached 100 % usage. I was told that because I created the Plan It plans, my Pay Over Time feature was also activated. I was unaware of this feature being activated until XX/XX/year>. I did not intentionally activate the Pay Over Time. I did not authorize the Pay Over Time feature. It was done simply because I activated the Plan It feature. The Pay Over Time and Plan It plan are two different programs that happen to be connected in this way. The program did not ask me to activate the Pay Over Time and I was unaware it was connect in such a way. The program did not ask me if I wanted to activate Pay Over Time nor did it ask me to De-activate the program once I finished creating my Plan It plans. Therefore, I did not de-activate something I did not know had been activated. I was aware the Pay Over Time program existed and was an Option. I looked at both programs and decided to go with the Plan It program because the interest rate was much better for me. The Pay Over Time interest would have been 29.99 %. That was much too high for my needs. It was important to reverse the Pay Over Time charges because these charges ate up my Pay Over Time Limit. Having that remaining 22 % balance available would have allowed me to reduce my minimum payment due XX/XX/year>. Because the balance was Not available to be to use how I saw fit, I was unable to make my minimum due payment on XX/XX/XXXX. I did pay the majority of the payment but now the account is about to go into a late payment status and my card could be cancelled or a hold put on all future charges. If the Pay Over Time charges had gone to Pay in Full instead, I would have had the balance in Pay Over Time available to reduce my minimum due. I am asking for a reversal of XXXX XXXX XXXX charges from Pay Over Time to Pay In Full so that I may use that balance to create another Plan It plan to take care of the remaining past due balance and not be responsible for a 29.99 % interest rate. I am asking for any negative impact on my credit score to be corrected, removal of any penalties, return of all original benefits afforded to the account and I am asking for my account to be returned in good standing. I have spoke to several representatives from the Plan It department and they say nothing can be done. They are saying they can not help move the charges from one program to another even though I did not know it was being done. They advise me to pay off my total balance to avoid paying the high interest rate.
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

ORDER # XXXX I returned 2 pair of shorts. Saks Fifth Ave received the return on XXXX XXXX. I received an email stating the refund would be issued within 10 to 14 business days. I contacted them on XX/XX/XXXX they said it would be issued on XX/XX/XXXX but as of today I still have not received a refund for 2 pair of shorts I returned on my Saks Fifth Avenue store credit card. I dont have the shorts or the return credit.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCD Financial, LLC (FL)

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX  ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ XXXX XXXX ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ XXXX  XXXX XXXX XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : XXXX XXXX XXXX  ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PayActiv, Inc. (VA)

On XXXX XXXX, 2023, I withdraw my funds from XXXX XXXX to Payactiv Bank via direct deposit. My ( payactiv bank ) account was frozen with the funds. The banking institution asks me for certain documents and proof of the money I sent from XXXX XXXX. I sent all the requested documents. and to date ( payactiv bank ) continues to ask me for documentation to return my funds {$4500.00}, they force me to speak with XXXX  XXXX  so that they contact ( payactiv bank ). I have sent them all kinds of documents and even they continue to doubt. All I want is to access my funds and withdraw them from ( payactiv bank ). I want my money, it's been more than 1 year and my money is still blocked in ( payactiv bank ).
Consumer complaint received 2024-09-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Future Judgement Solutions (OK)

Paid a collection debt in the amount of {$6500.00} on XX/XX/XXXX, XXXX and received a documentation letter stating my debt is PAID IN FULL from XXXX XXXX XXXX. I started receiving a collection call from a second collection agency telling me I was not paid in full on XX/XX/year>. This company is threating me to taking me to court. I sent them the documentation that I paid in full the debt. They said it was paid to a illegitimate collection agency. 
I called the first collection agency and they told me again, my account to XXXX was closed and paid in full. The second collection agency has called several more times and now is telling me I should be hearing from someone from our county clerks office. 
The name of the second collection agency is Future Judgements at FJS Global located in XXXX XXXX
Consumer complaint received 2024-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IN)

I made two payments to Shellpoint mortgage in XXXX and XXXX they have not applied these to my account. I have called them numerous times, sent them my banking information and they still have not applied the payments. They sent me letters telling me I an in default. I am not making a XXXX payment until this is resolved.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MD)

I cancelled a payment at a XXXX XXXX on XX/XX/XXXX. The pending charge was officially let go back into my account on the first business day of XX/XX/XXXX. The XXXX has shown me proof of the cancelled transaction and proof of money being sent back to the bank on XX/XX/XXXX. When I contacted SoFi they told me there would be a hold on the pending transaction for at least 30 days with no reason at all on why there is a hold form my account except to blame the merchant, being XXXX. XXXX has proven several times that the pending transaction is back in the hands of my bank. At this point SoFi bank is holding {$650.00} with no explanation or reasoning in sight on when I will get it back. It has officially been 17 days of this pending charge not back in out checking account.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK (FL)

XXXX XXXX  has reported an inaccurate negative comment on my credit report. I do not owe a debt to them in the amount of XXXX dollars as they have reported in XXXX of XXXX, and again on XXXX of XXXX. I have never signed an agreement with them, and they have never furnished me with one. I demand they remove this account from my credit report
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (FL)

The company includes on my credit report, an account that appears to belong solely to my current husband of XXXX XXXX and which account may predate our marriage, while also listing as my current husband, my first husband whom I divorced more than XXXX XXXX ago.
Consumer complaint received 2024-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

We recently began accepting credit card payments at our business and wanted to ensure a seamless process before handling customer transactions. To do this, we tested the system using our gift cards. However, when I attempted to refund the amount, the credit card processing company, XXXX, declined the transaction. I subsequently filed a dispute with the American Express Gift Card Dispute Department. Unfortunately, the communication was challenging as the representatives I spoke with had limited English proficiency, and I am unsure if they fully understood my issue. They ultimately informed me that my claim was denied, but did not provide any explanation for the decision.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I enrolled it in the CitiBank credit card XXXX XXXX about 3 months ago because it had travel benefits such as travel insurance and {$100.00} off a hotel stay of {$500.00} or more if booked through their travel portal Citi travel. I tried many times and the card kept getting flagged for fraud. Spoke to Citi travel and they said the issue was not with them. I talked to Citi and they said every time I used with Citi travel it would keep coming back as fraud. I escalated the issue but I was told meanwhile they would try to fix but unsure when and all the while my bookings are getting reserved as I am in limbo. They also said they would not update me if and when it would be corrected.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I'm writing thus as the description part of my complaint which your website does not include. Again the name is XXXX XXXX and the complaint is about Citizens Bank in XXXX New York. The bank manager XXXX XXXX roads has been tempting everyone 's account. It seems like this women has nothing better to do but back into the banks computer and steal alk the money. 
> I personally am missing over XXXX XXXX XXXX dollars which I receive d in judgements. She's also stealing everyone 's identity and using information from the bank to take out loans in everyone s name my parents name. 
> She's been doing this to all the customers. Between her and her boyfriend ( XXXX XXXX XXXX XXXX XXXX ) who keeps playing games. He keeps pretending to hire and fire her over and over again. This is to make it seem like he cares. This man has been getting a cut too. You see its easier to steal the money put some of it back ( not mine ) than to pay the IRS. 
> Also she's been targeting my elderly parents as well taking loans out and than default ing on the loans so they get stuck with the bill. 
> She's been sleeping with older men and getting money that way too. He's not the only elderly guy she's been leading on like this either. 
> Its clear this matter needs investigating. Please begin investigating and bring her to justice. 

On Wednesday, XX/XX/year>, XXXX XXXX wrote : > My apologies but I forgot to mention the details of my complaints about XXXX XXXX and the bank in question Citizens Bank in XXXX in New York. XXXX XXXX and I did successfully sue numerous parties in regards to a situation here at our home in regards to certain abuses that took place. There were certainly other parties liable but XXXX took bribes I stead its quite obvious. 
> We did win almost every case by judgement and I kept waiting for that money to come into my account. I never got a dime of it. 
> The bank and everyone took Unlawfully took that money instead and cleaned me out totally. XXXX XXXX was a key actor in all this. The money just disappeared. Worse yet no one even told me I had received any payments at all. I kept waiting instead. 
> I tried calling lawyer after lawyer no one will help me. My suspicion is they are mostly all on that stuff. I really need your help. Please feel free to call me at XXXX with any questions. Please investigate its important.

> > Sincerly, XXXX XXXX XXXX