davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MN)

I took a HELOC loan to pay off some high-interest credit cards. Macy 's store card was one of the cards that I paid off in XX/XX/year> with a cashier check issued by XXXX XXXX. 

Balance on the card = {$3700.00} Payments with cashier check = {$4400.00} Excess payment = {$650.00} ( Refund due to customer ) I waited about a month for the excess payment to be refunded as all the other financial institutions did but Macy did not send a refund for the excess payment.

I called Macys about XXXX weeks ago and was told, they thought I wanted to spend it at the store and I said no, I wanted the cash refunded. I was informed that the excess payment would be refunded but Macy Credit card has not refunded the excess payment as of today XX/XX/year>. 

I tried to call again today but the AI representative could not assist me.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TN)

I have a checking account with XXXX and on XX/XX/year> I returned merchandise to a local XXXX store and had the refunded money in my bank account the same day. It also showed up on XX/XX/year> so I figured it had been processed and that the money was available to use. Come XX/XX/year> I see my account {$30.00} overdrawn and I call up the bank. I get some XXXX about having to process the refund and it might take XXXX business days. In the meantime I am being charged overdraft fees for this XXXX  XXXX instead of them leaving the money in my account after I already returned the product to the merchant. What kinda scam this is I do not know but the XXXX money should have been left in my account to cover purchases, not pulled out for them to play around and " process '' it!
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I XXXX XXXX the owner of XXXX XXXX XXXX setout to open business paypal account on date of XX/XX/year> which i did provided all documentations requiured by paypal and they still went ahead to close my account and not give me a tangible reasons as to why it was closed
Consumer complaint received 2024-11-18
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. (AZ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citi Reference Number : XXXX Previous : Consumer Financial Protection Bureau Case # XXXX Citi responded to the case # XXXX complain stating that they going to terminate baking relationship with me and to wait 30 - 60 days for outstanding checks. I sent out an email proofing that the money in the account belongs to me on the same day that I received their response which is XX/XX/XXXX. I did not hear anything from them after that. I then received the last statement showing all of my fund as other withdrawal on XXXX, and left behind only XXXX cent on the account. Today XX/XX/XXXX, 60 days from the day they closed my account, I received a check for XXXX cent. I did not received the entire fund of my accounts which is XXXX, that is my entire life savings they did not return. I need Citi to return my remaining fund in a form of a check as soon as possible. 

Please see attachments.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received an email from XXXX XXXX  ( fraud ) stating my account was being charged {$530.00} for purchase. I was to contact them at XXXX for a refund. I was asked to print out a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. They indicated they would reimburse my money and I was to check my bank account at which time {$20000.00} was reflected in my checking account and was led to believe they accidentally transferred the incorrect amount. I was unaware that they had transferred {$20000.00} from my husband 's savings account into our checking account and then wire transferred {$190000.00}. Wells Fargo had texted me two texts. ( 1 ) to enter Advanced Access code to verify my identity ( 2 ) to enter Advanced Access code online to verify my identity. I immediately called Wells Fargo and requested the fraud department and reported that the wire transfer was a fraud as was the account transfer. All of this took place while the transactions were still pending. At that time, we were told by the woman that she would report it to the fraud department and we would hear from them within 10 to 15 days. We received letters from the " fraud department '' dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. The letters were signed Claims Assistance Center, Online Fraud Claims. Neither my husband nor I could make heads or tails of their letters. They were vague and did not deal with amounts of money, etc. I am currently writing to Wells Fargo for further information. I researched Electronic Fund Transfer Act and it states that if a person promptly notifies their bank that access to their account was stolen, the law limits the person 's losses to {$50.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 XXXXXXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1681c ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1861s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802- I did not receive the required opt-out notice at the time this acct was created and being reported.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a new XXXX credit cards and was able to initially connect my XXXX credit card to my existing Capital One account. Within XXXX I received an email that my online account has been locked with no explanation. I called customer service and after XXXX hour I was told to upload a copy of my drivers license, which I did. I was told that there was a conflict in my name from my other capital one card that Im an authorized user of, which is also my Corporate card. I was told my online access would be resolved in a few days, which it did not occur. I called in a few days later and again. I was told to upload my ID as they apparently lost my Id. I complied and uploaded my ID and again I was told this would be resolved. I spent another XXXX hour with customer service and the digital team. My online account is still locked and Im unable to make payments and access any account features.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with MIDLAND CRED plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$530.00}
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TX)

I have been a cardholder for 20 years, perfect payment history. I pay all my bills on time and had excellent credit. I was 2DAYS late XX/XX/year> and they reported me to credit agencies. This is completely unfair, as most companies give 10 days grace. Being as that Ive been a very good account holder and have excellent payment history I feel this was completely unfair and negligent in taking care of their good paying customer. Should I really be punished by dropping my score XXXX XXXX for 2 day late payment in the middle of the holidays. They have given me ZERO grace and its disgusting. I have called and spoken to over 10 people and opened 2 separate cases with Target. I dont know what to do anymore. This is a negligent and terrible treatment of a customer who pays this bill along with all other bills in a timely fashion. They refuse to reverse this - I wAS 2 DAYS late! Look at my credit and payment history on every account, I dont exactly have a record of bad payment. You are ruining my credit and its horrifying that I cant get it charnged aster almost a year of calling and dealing with this. PLEASE REVERSE this and give me the respect and kindness I deserve. Thank you. XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

I have collections from medical bills Amerifinancial ( XXXX ) XXXX XXXX XXXX XXXX that I have informed them and sent proof that I had financial assistance at the time that covered cost 100 %. 

I have a credit card for XXXX XXXX XXXXXXXX that I filed a claim with stating it was fraud. This resulted in them sending it in as a charge off. 

Can you please contact me to assist XXXX.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

Citibank services my Best Buy Credit Card on XX/XX/2020 I paid my account in full in the amount of {$7200.00} on XX/XX/2020 I checked the account online to see that the payment had been credited to the account and a new charge of roughly {$680.00} had come through and the account showed the credit for {$7200.00} and a new balance of {$680.00} I authorized Citibank to withdraw {$680.00} to again bring my balance to {$0.00} - Citibank went ahead and withdrew and additional payment of {$7200.00}. When I called Citibank they acknowledged the mistake and now show I have a credit of {$6500.00} on my account I explained to Citibank that I don't want a credit on my account I want the {$65.00} # ^ put back in my account immediately. They informed me they can't do that immediately that it would take over 5 days to return my money to my bank account! This is unacceptable frankly criminal behavior on the part of Citibank they took my money in less than 12 hours but can only return my money in an unspecified number of days that exceeds 5 days.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIGITAL FEDERAL CREDIT UNION (MA)

Dear DCU Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
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: Synovus Bank (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 : [ synovus/first progressive ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX synovus/first progressive ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ synovus/first progressive ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : [ Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XXXX Balance XXXX {$4600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Dear sir, I have received an alert email from your company telling me the unauthorized transaction ( s ) over my credit card ending XXXX. Since this email asked me to check the statement, I logged in my account and tried to find out the statement or letter on this account. But there was no document. Therefore, I checked my card account ending XXXX and found out the discrepancy between my transactions total amount and the current balance. Upon checking the transactions after the payment to this card on XX/XX/year>, I found out the following reality. The total transaction amount after XX/XX/year> should be {$940.00}, not {$1000.00}. Since there is/are some mysterious and unknown surplus to my current business. I request the investigation because there is {$94.00} surplus to my credit card. And make sure that your company will delete that amont. 

Sincerely,
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXX XXXX  XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$8500.00}
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/year> I went online to the XXXX payment site, it gave me the option to apply for a loan deferment on my XXXX payment. I submitted the request information, then was asked to sign the document and I did. Shortly after this I received an email from the company with attached and signed payment extension agreement which stated that they agreed to modify my contract and that XXXX payment would be put at the back of my loan and my next payment is not due until XX/XX/year>. 
On XX/XX/year>, I received a letter stating my XXXX payment is past due, to my shock because I was given a confirmation that my payment was deferred, I called XXXX. I was transferred XXXX times and on the phone over an hour for each person to tell me that there is no record of any deferment or emails to confirm this going out to me. I offered to send them a copy of the signed agreement but again was told it doesnt exist. I was lastly told if I make the payment today they would apply for a new deferment, problem is I do not have my payment until XXXX 2024 the day it was suppose to be deferred to and now it is 27 days late. So if I pay it on XXXX/XXXX/2034 I will be reported as a 30 day late payment to the credit reporting agencies for something that I was told and confirmed was not due till XX/XX/year>