davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I contracted with Home Depot for a cabinet refacing job on XXXX XXXX. The job began on XX/XX/year>. It was supposed to take 2-5 days for completion. On XX/XX/year>, day five, the contractor ended the job but the refacing job was not completed. There were numerous items missing, such as all moldings, all cabinet handles/hardware, and two drawers. Additionally, the laminate was not installed properly causing delamination in areas, as well as uneven cuts, cracks, holes and scratches. The cabinet doors were the wrong size and all the drawers were installed unevenly and/or were warped. The soft close guides were installed unevenly and some were missing screws. Home Depot sent their own investigator out to corroborate the problems. Since the installer left the job in an incomplete and deficient state, and was unable to remedy the problems due to his own admission that he was finished with the job and there was nothing further he could do, and given that Home Depot was paid in full via my Home Depot credit card ( {$19000.00} ) at the time of the contract signing ( XX/XX/year> ), I did a charge back with the credit card issuer, Citibank. The charge back was initially approved but then reversed due to Home Depot disputing this action. I did not/have not received the installation services I purchased yet I am still paying my Citibank credit card for an item not received.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I filed this complaint and the company made an insufficient response and the case was closed inappropriately. 


I am signed up for Wells Fargo XXXX XXXX and the company continually sends my account negative despite the funds being readily available in my savings account. The company claims this is due to their system being unable to always recognize the SCHEDULED direct deposits from my employer. Because I of this fault in their system the company will show available deposits as early as Wednesday but they will then change my account to negative overnight on Thursday before then switching it back to positive on Friday because now the deposit is completed. 

The issue is that this does not align with their own policy. This is not a free service to my memory and they set the policy and they are the ones breaking it at my expense with no apology or regard for the damage caused. Being that Wells Fargo has a history of being predatory towards its own customers I can only imagine how many others deal with this issue.

Per Wells Fargo website : Help Avoid Overdrafts with Overdraft Protection Set up optional Overdraft Protection to avoid the inconvenience of declined transactions and overdrafts. 

You can link up to two eligible Wells Fargo accounts ( one savings, one credit ) to authorize or pay your transactions if you don't have enough available money in your checking account. We will transfer or advance available funds from your linked account ( s ) automatically to cover your transactions. 

XXXX XXXX covers most transaction types including, for example, ATM and debit card transactions, checks, XXXX XXXX, and recurring electronic payments. 


XXXX XXXX XXXX
Consumer complaint received 2024-11-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I have XXXX collection accounts with IC Systems on my credit report. I have sent several letters to XXXX disputing these accounts and they have not responded in the allotted 30 days required by law. It looks like these accounts are from an old XXXX account that I previously had but Im not sure because there is no account number to reference. I have reached out to them by phone and online with no results. 

I had to move from my old address at XXXX XXXX XXXX because they tore down the building and at that time I returned all equipment because my new building did not have the XXXX XXXX verse service in the building.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2024-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MO)

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX Subject : Follow-Up on Disputed Debts Due to Identity Theft Request for Validation ( Account number XXXX ) To Whom It May Concern, I am writing to follow up on my previous disputes regarding the account referenced above. As I have previously informed you, this account were opened as a result of identity theft. I have reported the incident to the appropriate authorities, including, Federal Trade Commission, XXXX, XXXX and XXXX. I have also taken the necessary steps to secure my identity. 
I ask that you cease all collection activities related to this alleged debt. Furthermore, I request that you refrain from reporting these debts to any credit bureaus until this matter is fully validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of these debts, including but not limited to the following : 1. The amount of the debt and a breakdown of any charges or fees applied to the balance.

2. The name of the original creditor.

3. Proof that I am legally obligated to pay this debt, including any documents or agreements signed by me.

4. Verification that this debt is not the result of identity theft, including supporting documentation or proof of how this account was opened and who authorized the charges.

5. A statement confirming that the account has been flagged as fraudulent in your records, and that collection efforts will cease until the matter is fully resolved.

Please be aware that until I receive proper validation of these debts, I consider it disputed. I request that you cease all collection activities, including reporting this debt to the credit bureaus, until you can provide the requested documentation to prove the legitimacy of the said debts. If you are unable to provide the necessary verification, I expect the this account be deleted from my credit file.

I expect a response within 30 days, as required by law. If you fail to provide the requested documentation, I will take appropriate steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General. I will also consider taking legal action to ensure that my rights under the Fair Debt Collection Practices Act are upheld. 
Please respond in writing to the address above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TN)

Company was previously contacted under 2 separate CFPB reports. Company is again reporting inaccurate information. Payment due date was XX/XX/XXXX, payment was linked XX/XX/XXXX and taken by company XX/XX/XXXX. Their action continues to effect my credit score and not allowing me to establish and build my credit accurately. 

last CFPB reports XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I made a cash deposit of XXXX dollars on XX/XX/year> between XXXX and XXXX at the outdoors chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX The ATM accepted the money, and I departed the location assuming all was well. I later checked my online bank account to find that the money had not yet appeared in my account. I went back to the location and they told me they could not do anything to help with ATM related transactions, and to call their customer support number. I submitted a dispute claim, was told to wait 2 business days and after 2 business days received a credit for the XXXX I had deposited. 

XXXX days later, on XX/XX/year> I am about to pay my rent, and double check my bank account to find that their investigation concluded that no such deposit was made. Not only am I shocked and confused at the clearly incorrect ruling, I also now can not pay my rent on time and am now facing the risk of eviction. I immediately call their number and am told that my case would be escalated to a higher manager. The manager eventually tells me there is nothing she can do to help and that no higher ups are available to further escalate. I begrudgingly hang up the phone and go back to the branch where I deposited where I am told they can not do anything and that I need to call the number. They eventually have one of their bankers help me reach someone by phone who says they will reopen the claim and reach out to me with a conclusion. On XX/XX/XXXX, I am contacted by phone call by a chase member who works in escalations who asks me for details regarding the transaction. I tell him what I can remember and he says they will reinvestigate. The next day, I am called again by the same employer and am told they came to the same conclusion and they I would not be returned the funds. I am now out on XXXX and way behind bills and facing eviction. PLEASE HELP
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with XXXX was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Tried to add wife to saving acct. Could not accomplish it with help of cust service reps ( 3 attempts ) ..They wanted to combine on line access with credit card. They could not accomplish and as a result they suspended the credit card! 

They became very uncooperative and combative. We both got very frustrated. I received a notification that money could only be transferred for my savings account with their approval. This was a separate transaction. Can they dictate when I can withdraw MY money?
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

I called XXXX to find out where my new card was on XX/XX/year>. I never received it but made payments during the interim. The customer agent ( XXXX XXXX told me my account was paid up on XX/XX/year> and nothing was needed. They agreed to send me a new card. 

The company recently switched to XXXX XXXX  from XXXX. 

I believe they made a mistake somehwere because I received a notice of account closure with no explanation and no way to log in. This event happened days after I talked to customer service who obtained my SSN, as I had no card to verify my identity. 

Being that my account was paid, there was no reason to close the account after being told nothing was due because of the Hurricane disasters and having current payments on my account. There was a grace period even if my bill was not due. I was not only charged a late fee when I paid again, but my payment and the account was closed without warning.

Note : I can not even log in to an account to see the Notice of Cancelation to upload here, as they have not sent me information to log in.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

I have had several issues with Regions Bank and the handling of my XXXX XXXX " Do the XXXX XXXX XXXX XXXX XXXX checking account. I received an " automated '' phone call indicating that my account had pending charges at a business that I never XXXX  to over the last several years. 

I answered the prompts to indicate that I am not at this merchant. The next thing I do is sign into the account online. There are XXXX pending transactions with this account. I spoke with the actual branch in XXXX XXXX, Texas. He wanted me to come into the branch. I told him that most banks would suspend the debit card until this issue was resolved. He assured me that the account did not have a debit card attached to it.
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: CITIBANK, N.A. (IA)

On XX/XX/year> I used the CITI app to pay {$2000.00} towards my balance on card ending in xxxx Once that transaction was complete I clicked on a button that I thought was " XXXX XXXX XXXX. This is a program were you can choose to pick large purchase into a fixed number of payments for a lower interest rate. I accidentally hit a button " XXXX  XXXX '' which similarly provides consumers to select a dollar amount to take cash out for a set term for a lower interest rate. I discovered my error but the app didn't not provide a review or a means to cancel the transaction and the loan processed. 
On XX/XX/year> I contacted CITI at the XXXX number to inquire how to cancel the loan or pay it off as I didn't not intend to take out a " XXXX XXXX '' but rather consolidate my purchases into " XXXX XXXX  ''. The agent informed me their was no way to cancel the transaction as it was a electronic transfer into my bank account. I inquired if I could pay off the loan immediately upon the funds transferring. I told her I had read on CITI website that XXXX XXXX can be paid off early without penalty. She confirmed that was accurate and told me to just pay off the {$2500.00} as soon as it was available. 
On XX/XX/year> the transaction had fully processed and I was ready to pay back the {$2500.00}. I went to pay off the loan on the app but there was no where to direct the payment directly to the loan but rather just the card itself. I called the XXXX number to seek further directions. At that time the agent told me that there wasn't a way to pay directly to the loan and that the disclosure statement, states that if I paid the {$2500.00} it would go to the highest interest rate balance first and then once it is at XXXX the loan would then be paid. I asked to speak to a supervisor and was put on hold for a supervisor. I explained the situation again and was given the same canned answer from the script. I expressed my frustration with the deceptive way CITI offers the XXXX XXXX  and XXXX XXXX that are 2 entirely different products but are easily confused. I also expressed it was deceptive to tell customers they could pay off the loan early without penalty when in fact they can't if they have a card balance. The card balance will always be paid first even if you have paid the minimum for the month. I asked based on the situation could we simple reverse the loan and move on. the CITI representatives stuck to the company script and made no attempts to assist me on the situation. 
I notified them I would be writing CITI and asking for a correction and in addition I would be reporting them for vague and deceptive marketing practices. The need to clearly state that you can only pay off the loan early if you have a {$0.00} card balance. They also need to insure the consumer does not inadvertently select the wrong product that are named very similar but have very different offerings.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I sent a letter requesting them to validate the account for requested amount of {$28000.00} and {$520.00}. It's evident that Medical Revenue Services don't have proper documentation to collect this invalid debt. I don't have access to files allegedly signed by me, because I don't recall signing any of the documents that was supposedly signed by me with my physical signature ; as identify theft is at an all-time high. Ive sent a letter to XXXX  as well as I'm in distress with the tactics of this company and how they are destroying my credit worthiness. Feel Free to respond to this complaint with " Hippa Release '' - Medical records and or documentation signed by me. If Medical Revenue Services have the right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being Violated.
Consumer complaint received 2024-11-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (WV)

Sunrise credit services XXXX is trying to collect a debt that is not mine I was never contacted by sunrise credit services before they turned it in to the credit bureaus and damaged my credit, Ive let them know that this debt is not mine that it has been discharged before by optimum because of identity theft and that sunrise isnt the first debt collection service that optimum has used to try and collect and that optimum knows that it isnt my debt and that it has been discharged
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

XX/XX/XXXX through XX/XX/XXXX {$1000.00} court actions. This bills was not inquired by for my exwife if which we have been separated since and XXXX. I was not informed I just check my credit i contacted them they started bothering me
Consumer complaint received 2024-11-14
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

We wish to file a complaint against Dillard Card Services and Citibank.

We closed our Dillard card several months ago BEFORE Citibank took over providing card services. Imagine our surprise when we were issued a new Citibank card for Dillards department stores on this closed account.

We were unable to close it right away as Citibank had not set up a processing unit for Dillard cards. We were finally able to close it today.

This leaves us with questions for them and the CFFB. 

XXXX Who are they to issue credit cards against closed accounts? No permission, no signature, no request. 

2. How many thousands of other former Dillard card holders did they issue cards to? Did they issue them to all closed accounts?

This harks back to the bad old days when credit card companies sent you cards without permission. These cards need to be cancelled and penalties assessed against Dillards and Citibank.
Consumer complaint received 2024-11-16
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. (FL)

I am writing to formally dispute the accuracy of information reported on my credit report. According to my recent credit report, the following information is incorrect : - The reporting information is listed inaccurate payments made, days of delinquency, and charge off dates.
Consumer complaint received 2024-11-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records XXXX XXXX XXXX. XXXX