davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (AL)

To whom it may concern, This is in response to the answer that I received from one of the account holders on my credit report. To explain, the identity thief didn't open this account. This account is mine and he/she made fraudulent charges to my account in this specific situation. In others, he/she did fraudulently open other accounts. This was not one of them. Also, according to The Fair Credit Reporting Act, as a victim of Identity Theft, I have the right to inform you to stop reporting this inaccurate information and I am telling you to stop reporting this false, fraudulent, information to any of the credit reporting agencies or any company for that matter. ( FCRA Section 623 ( a ) ( 9 ) ). As a furnisher of this info to the credit reporting agencies. You are directed to inform them of this corrected information so they can remove, block, or delete the account. ( Section 623 ( a ) ( 2 ) ). I have attached all of the supporting documentation to this complaint.

In closing, this account and the fraudulent charges made to it have been a thorn in my side for far too long and I am demanding that this issue be resolved immediately! Otherwise, I will have no other choice but to take this problem to a higher authority, I. E. my Attorney General. If this doesn't resolve my issue I will have to enlist the services of my personal attorney because it is evident that my rights as a consumer are being violated and this is not right!
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo is up to its old tricks of posting debits before credits which is causing overdraft payments of {$35.00}. They had to previously credit my account twice for this practice. I want my money put back into my account. 

If there is a lawsuit considering these practices I want to be involved. I see they are still getting their money by robbing people.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (TX)

This company is reporting a alleged debt that outstanding on my credit report after I have already informed them that I do not owe them anything nor have any outstanding debts, existing liens, security interests or claims. I have even submitted proof that the alleged outstanding debt is not mine by giving them the proper legal documentation, an official copy of my XXXX form signed by the secretary of state, which proves that I have no outstanding debts, existing liens, security interests or claims. They have failed to grant my request as a federally protected consumer after I instructed them to remove this account and cease all collection activities. They have also reported my personal records to the credit reporting agencies without my consent per 5 U.S. Code 552a. I did not authorize them to obtain or share my information, nor do I have any contracts with this company. This situation has caused me significant emotional and financial distress.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

On XX/XX/2024, I endeavored to update my mailing and physical address with financial institutions via online banking due to a recent relocation. However, the representative informed me that my phone number was not eligible for verification, despite it being on record since the inception of my account XXXX years prior and having been used for all one-time code transmissions. Furthermore, the system and the representative failed to activate alerts for card usage notifications, which are crucial for fraud prevention. This oversight by the financial institution potentially exposes me to fraud risks by withholding essential fraud prevention resources.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AR)

Student loan on Aidvantage issue : On XX/XX/2024 I attempted to pay my student loan {$500.00} and they made a payment reversal. 
On XX/XX/2024 I made a payment of {$300.00} and they made a payment reversal again. 
On XX/XX/2024 I tried to pay {$200.00} and they reversed it again. I have enough funds in my bank account. 
I have been using the same bank account to pay my student loan and never had issue until now.
Consumer complaint received 2024-10-07
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I am filing this complaint against Chase Bank regarding a {$300.00} account-opening reward that has not been credited to my account, despite my fulfillment of all required conditions. 

On XX/XX/XXXX, I opened a new account with Chase Bank based on a promotion that promised a {$300.00} bonus upon receiving a direct deposit of {$1000.00} within the first three months. I met this condition as required. 

When I opened the account, I was assisted by XXXX XXXX XXXX, a banker at Chase. He assured me verbally that everything was in order and that the promotional voucher was processed. However, I did not receive any written documentation confirming this. Trusting XXXX XXXX 's word, I was unaware that additional paperwork or confirmation was necessary. 

Towards the end of XXXX, noticing that the bonus had not been credited, I began following up with XXXX XXXX and Chase customer service, leading to the opening of Case Number XXXX. Over the next three months, I repeatedly contacted them seeking resolution. In XXXX, during a phone call, I was informed that nothing could be done because the voucher did not go through. 

As a XXXX  I had calculated my budget with the {$300.00} bonus in mind. The absence of these funds has caused significant financial strain, as I made spending decisions based on the expectation of receiving the bonus. The ongoing delays and lack of resolution have caused me considerable stress and inconvenience. I have spent the entire summer attempting to resolve this issue, all through no fault of my own. 

Due to Chase Banks failure to provide the promised reward and the extreme inconvenience this has caused, I am seeking assistance from the CFPB to resolve this matter. Specifically, I am requesting : 1. The immediate crediting of the {$300.00} account-opening bonus to my account.

2. An additional {$700.00} in compensation for the ongoing inconvenience, financial troubles, and extreme mental stress caused by Chases failure to act. 

I believe this request is reasonable given the circumstances and the amount of time and energy I have invested in trying to resolve this issue directly with Chase Bank. Their lack of responsiveness and failure to honor their promotion has left me with no choice but to seek external assistance. 

Attached below are my monthly statements for XXXX and XXXX. They clearly depict that the account was opened on XX/XX/XXXX, and I had more than XXXX dollars of direct deposit come in within the first 2 months itself. I am happy to provide any account opening documents as well if required. I have also attached a document with screenshots of all of my communication with XXXX XXXX over email, from XXXX to XXXX. For reference, the case number with them is- XXXX. 

I appreciate your attention to this matter and hope for a prompt resolution.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CO)

I have been investing in Health Savings Accounts since they became law in XXXX. I have built up over 20 years of low cost dividend investments to fund my healthcare needs. Now, HSA bank a division of Webster Bank is forcing us to liquidate our accounts to transfer our investments to them and will not allow us to maintain our current HSA Brokerage accounts. They are doing this to charge us more fees for assets under management that aren't being charged by current HSA brokerages. To force this change and liquidation of our savings is unconscionable since the money in HSAs is supposed to be ours to invest. We should have the choice where to invest as well.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/24 I believed to be to be talking to a family member about buying a car on XXXX. They asked me to send them a refundable deposit of {$1500.00} so they could take it off the page and I could come see it and then if I did not like it I would get the money back. Well after talking a little longer and I had already sent the money I realized this was not my family member. They even asked me to send the full amount of money to them which made no sense because they had only asked for a deposit. They took advantage of me because they used my family members profile to make it look trustworthy. I contacted my bank Wells Fargo and they have declined my dispute even though I have never seen this car in person and never recieved anything for what I paid for.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (FL)

I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year>, I spoke to an offshore representative from Capital Ones debit card services department after receiving a fraud alert text on my card. Someone had bought my numbers on the dark web, and I conclude this because the transaction, initiated in XXXX, Arizona, was not initiated by any known suspects, including my former partner who is located in Colorado. There had to be no other explanation. Due to this text alert, I had to list this as fraud. Then upon requesting a new card, I asked that the information on that card be in XXXX as I am totally XXXX. However, that information whether engraved upon the card itself or a slip of paper with a XXXX value for each line was not sent. The representative being offshore did not understand why I asked and did not receive proper training in the accommodations and why those are a must. Failing to send a XXXX slip of paper or provide XXXX on the card itself resulted in having to use a human reader, potentially putting me at great risk of financial exploitation and identity theft. I am especially vulnerable to stolen benefits, knowing that with a fixed income, a representative payee can go in and take control of my benefits, which is a for of financial extortion or exploitation.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC (TN)

Total loan is {$14000.00}. On XX/XX/year> the lender sends the first billing statement with a due date of the first payment due on XX/XX/year>. They then send 4 more bills at the same amount ( {$240.00} ). After 5 payments the send a bill increasing the payment to {$240.00} effectively reducing the term of the loan from 60 payments to 59 payments. No where do they disclose that they have the right to change the term of the loan. They refused to provide an amortization schedule and assert that they should have billed the first payment a month earlier. The fact is they did not bill a month earlier and the term should be 60 months not 59. They are obviously changed the amount of the payment in order to recover the value of 60 payments over 59 payments. What they should do is return the payment to a 60 payment schedule rather than a 59 payment schedule. While this is a rather small amount, the issue is disclosure and transparency. The borrower should not be required to fix a problem that they did not cause or the lender should disclose that can change change the term at their option.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc. (TN)

I opened a credit builder account with self credit builder and I have made all my payments completely including the unexpected fees and after making those payments they started requesting documents upon documents and refused to payout my loan payments as agreed
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00}.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/year> Chase bank telephone ( XXXX XXXX ) and indicated that an XXXX XXXX. XXXX was trying to open a XXXX XXXX XXXX in my name under my SSN. His mailing address is XXXX XXXX XXXXXXXX XXXX. I did not authorize this transaction or even know this individual. The care was a XXXX ending in XXXX. Please investigate. 

Thank you.
Consumer complaint received 2024-09-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Credit acceptance submitted past due/ late balance collections on XXXX credit XXXX. 15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.