davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I have a Citibank XXXX credit card that I currently have two deferred interest payments setup. These were both created using balance transfer offers. Once of these balances was setup with 0 % interest and is currently due on XX/XX/XXXX. The other balance was setup recently with a 0.99 % interest rate and it is due XX/XX/XXXX. I intended to pay off the 0 % interest balance in full before the transfer offer expires on XX/XX/XXXX. Citibank has informed me that due to the way their system is setup that any payment I make will be applied to the higher interest rate balance first. This would make sense normally but not in this case. I explained this to the representative and the supervisor today ( XX/XX/XXXX ) but I was unable to convince them to pay off the balance that is due XX/XX/XXXX. While I was on the phone I found a webpage on the Citi site that states the following... 
Amounts over the Minimum Payment Due are generally used to pay off higher rate balances first. 

- Any amount paid in excess of your minimum payment due each month will be paid to your highest interest rate balance first. 
- The only exception to this is the 2-3 billing cycles at the end of a deferred interest promotion. During this time we will apply any payment in excess of your minimum payment due to your expiring promotion. This will ensure you continue to have the best opportunity to pay your promotional balances before expiration. 

https : //www.citicards.com/cards/wv/copy.do? XXXX Please notice the 2nd sentence that is exactly for the situation I am in. It states that I can make a payment within 2-3 BILLING CYCLES to pay off the balance that is EXPIRING. 

Citibank officials explained to me that I must wait until 3 days after this cycle ends ( XX/XX/XXXX ) so that my expiring balance will not be the higher interest rate balance and they can apply my payment to that balance. Unfortunately I would be responsible for interest payments to them because my balance transfer would have expired. 

I am very angry about the lack of assistance and even after I had read them THEIR statement on their website they refused to pay off my expiring balance. I think the situation warrants a lawyer because they are breaking federal rules for credit cards but I will start with this complaint.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (HI)

Albert is an online line banking/investment account with an app that would allow you to make automatic savings deposits. I started in XX/XX/XXXX with {$50.00} and over the next few months I had additional small amounts deposited and by XX/XX/XXXX my balance reached {$110.00}. 

When they first started they were free. They then began charging a monthly fee for advice which I believe I would automatically be charged unless I opted out. I opted out of paid advice because I did not want to pay the fee so asked them to close account. I withdrew what I thought was my my full balance of {$100.00}, but apparently {$10.00} remained. I thought the account was closed. 

After a while I realized there was still {$10.00} in the account and it was not closed. I again tried to close the account but was told I needed to bring my account to zero first. I could not do so as they no longer accepted the accounts I had linked and said I needed to send in bank statements which i do not have. I was not charged anything and the {$10.00} just sat forgotten. 

I recently checked and see they have been charging the linked account {$14.00} each month since XX/XX/XXXX for a total of {$59.00}. They have also charged me a {$2.00} fee against my account balance on XX/XX/XXXX {$2.00}. I did not realize the fee was charged as I had deleted the app and had no way of getting printed statements. 

I tried to login into the account but was not allowed to do so without connecting a bank account. I had to reconnect a bank account which i did not want to do just to see my account. II tried again to close the account but could not as they said the bank accounts were not valid even though they showed in the Albert App. I cant disconnect the account so am worried they will continue to charge me and I never consented to pay the fees so want them returned.
Consumer complaint received 2024-11-12
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: U.S. BANCORP (AL)

This is a follow-up complaint continued from the original complaint ID XXXX. 

Unfortunately, I find this case should be re-opened. I received the company 's response ( XX/XX/XXXX ) and confirmed that they issued the correct amount of mileage in the statement ( XX/XX/XXXX ). For many years, the mileage included in the statement was transferred to the XXXX program within 1-2 business days. However, this time, it has not been done until today ( XX/XX/XXXX ). Because this was out of the usual processing period, I called US Bank and talked to the rep. The rep also stated that it should have been transferred to the XXXX account last week and put me on hold to speak to the supervisor. After 15 minutes on hold, listening to the background music, the rep returned and said that her supervisor needed more time with the research and asked for another holding. I waited for another 10-15 minutes. Then, suddenly, the background music changed. I thought it was strange, but I kept waiting. Finally, someone came back. But, she was not the same rep, but another rep. This new rep asked me why I called. What?!?!??! So, while on hold, my call was transferred to another person in another department. This new person had no idea why I was waiting on the phone and asked me my previous concern. I did not think it was fair to repeat the whole thing again after spending 30 minutes, so I told her that I would continue this with CFPB.

I've had previous experiences with some reps saying I would be transferred to someone else in another department or I would get a return call later time. But, something I had today was a new experience. They should have been honest if they couldn't find the solution and get my phone number or email information so they could contact me later instead of transferring a customer without notification. 

Basically, this issue still needs to be resolved. The bank pretended to fulfill its responsibility of issuing the promised mileage. However, it failed to transfer the mileage to the linked mileage program properly. Furthermore, it shook off the customer who inquired about this matter by silently transferring the call to another random rep to repeat the never-ending cycle. Typical.
Consumer complaint received 2024-09-05
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)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 1681s-2 ( 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.
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CO)

I opened up a XXXX credit card and proceeded to do XXXX balance transfers. The balance transfer of XXXX of the credit cards has never shown up on their end. I did a balance transfer to pay off {$XXXX} to my XXXX credit card. XXXX doesn't not show this transfer going through. I have asked XXXX to provide me with all the details of the transfer to provide XXXX and XXXX can only get the Trace ID and Customer ID and XXXX says XXXX isn't enough. They need proof showing XXXX digit payee account number/external bank account details. XXXX refuses to provide me with that information. This was processed on XX/XX/XXXX and cleared XXXX on XX/XX/XXXX. The amount was {$XXXX}, trace ID XXXX and XXXX ID XXXX. I keep calling and have been for months and no one will help me and now I owe XXXX credit cards {$XXXX} which I believe to be fraudulent.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted request asking that duplicates and items that were over 7 years old be removed from TransUnion, XXXX and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (AR)

Hi I have received a letter from XXXX XXXX XXXX XXXX with Reference # XXXX saying * You had an Obligation to XXXX XXXX with account number XXXX for an amount of {$170.00}. When I called them to ask about this letter they have confirmed that they never provided any service to my address. 

Can you please investigate this letter and make sure this type of false notification are avoided in future. 

Thanks XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (FL)

This account is fraudulent. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exsist. 

I have no recollection of a collection, charge off, etc. with XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX I had my roof replaced through XXXX . XXXX and it was financed through Wells Fargo Home Projects. My account was in good standing when Covid-19 happened, but I was still able to continue making my payments on time after being XXXX XXXX from my job through unemployment I was receiving. However, the Unemployment agency then abruptly stopped payments to many people saying the money should not have been paid but later the decision was reversed by the governor of Michigan. I called Wells Fargo to inform them when the payments were about to stop and asked if they had a program to defer payments because of the Covid-19 pandemic whilst the above mentioned unemployment situation was unfolding and other creditors were allowing payments to stop for 3-6 months, I was informed by an agent of Wells Fargo that they weren't offering a deferred payment plan and the account would have to be closed immediately if the payments couldn't continue, which I really didn't want to close it because it was a revolving account where I could use the card again for other home projects, but was asked how much I could afford to pay and a payment plan was formed via letter to me dated XX/XX/XXXX.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I attempted to make a cash deposit of {$850.00} into my Wells Fargo Checking account via the ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The ATM rejected {$200.00} ( Two {$100.00} Bills ) and my deposit total read {$650.00}, the ATM asked if I would like to submit anymore additional bills to my deposit. I flattened out the my two remaining {$100.00} bills and fed them back into the machine. The machine stated again that it could not accept the two bills and it would again be rejecting both of the TWO {$100.00} bills. However this time only ONE single {$100.00} bill came back out of the machine and the ATM deposit total still read {$650.00}. 

I immediately called the Wells Fargo ATM customer service support number and they opened a investigation on my behalf and a few days later gave me a credit for my {$100.00} bill. 

Over a month later on the week of XX/XX/year> I received notice that Wells Fargo had completed their investigation and they had determined the machine did not make any error and that they would be pulling the {$100.00} credit back out of my account. 

I called customer service again on XX/XX/year> to inquire about their investigation because clearly their had been a mistake. The customer service agent said that because the machine hadn't reported any error they closed the investigation and determined it had not incorrectly kept my {$100.00} bill. I asked if anyone had physically audited the machine to make sure the money inside matched what it showed for total deposits. The customer service agent said no. I asked what exactly were the steps they took to determine the machine did not incorrectly keep my {$100.00} bill. The agent told me she couldn't disclose that information fully but as the machine itself was not reporting that any error had been made that ultimately my claim was denied. I told the agent that relying on a machine to send back an appropriate error code when it had already incorrectly kept my bill didn't seem like a reliable investigation to that she had no answer for me. 

I find it very suspicious and bad business practice that Wells Fargo has come back well over a month later to deny my claim and then admitted that during the course of this time no one physically audited the machine ( as I have seen written online is typically how these matters are handled with other banks ). But that they simply rely on the machine itself to tell them if it is has made an error.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Consumer complaint received 2024-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I received a call from a wells fargo number. This person told me that he is from a wells fargo XXXXaud investigation unit. He asked me to check his phone number to verify he is from wells fargo. I did using my phone and next thing i know a cash advance from my visa credit card for XXXX to my checking account followed by a wire transfer ( XX/XX/year> ) out of my checking account for XXXX was made to an account owned by XXXX XXXX. The following day ( XX/XX/year> ) Wells fargo failed to protect my sensitive information and closed my case due to it being an online transaction! I am out of XXXX! My wells fargo case # XXXX XXXX XXXX. Please help me, XXXX XXXX and on fixed income.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Under 15 USC 1692c ( c ) Account Number : N/A Dear Jefferson Capital I am writing to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ). This section of the law mandates that upon receiving written notification from the consumer, a debt collector must cease further communication except under certain circumstances, such as to confirm receipt of the notice or to advise of legal remedies. 

Accordingly, I request that you immediately cease all communication with me regarding the account referenced above. This includes, but is not limited to, phone calls, emails, letters, and any other form of communication. 

Furthermore, I dispute the validity of the debt you are attempting to collect. Under 15 USC 1692g, I request that you provide verification of the debt in writing within 30 days of receipt of this letter. Failure to comply will result in my pursuit of all available remedies under the FDCPA, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau, and seeking damages in court. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FC HoldCo LLC (CT)

I had got a position for new job they needed me to bring in my Social Security card and my passport or drivers license. I stopped at the grocery store and left my pocketbook in the carriage. When I realized it, I turned back around and went back and my pocketbook was gone, so they went and got car loans in my name, cell phones in my name and credit cards in my name. I contacted the credit porting agencies all three and they did nothing but put a fraud alert on my account. That was it.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Reliable Credit Association, Inc. (HI)

I am writing to formally submit another complaint regarding the continued false reporting on my credit reports by XXXX and XXXX, as well as the illegal use of my personal information. 

Despite my repeated attempts to resolve these issuesover ten dispute letters sent to the credit bureausI have not received a satisfactory resolution. XXXX has consistently employed stall tactics, claiming they can not verify my identity, even after I provided ample documentation, including my driver 's license, Social Security card, pay stubs, and evidence of the inaccurate accounts. 

Specifically, I am requesting the removal of the following accounts from my credit report due to false reporting and failure to validate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other negative accounts associated with my name These accounts are damaging my credit profile and do not accurately reflect my financial responsibility. I have provided all required documentation, and it is unacceptable that XXXX continues to state they can not verify my identity. 

I urge the CFPB to investigate this matter and take appropriate action against these credit bureaus for their misleading practices. Thank you for your attention to this urgent issue.
Consumer complaint received 2024-11-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/23 an account from XXXX XXXX XXXX and Credit Acceptance opened a fraudulent account under my name and it is reporting on my credit report. The contract I was given does not contain my written penmanship.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge 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. (TX)

XXXX NY CHARGE FOR {$6600.00} AND {$470.00} MULTIPLE OTHER FRADULENT CHARGES TOTALING APPROXIMATELY {$1500.00} WERE REMOVED AND FOUND TO BE FRADULENT. 
XXXX XXXX HAS NO PERSONAL INFORMATION ON ME REGARDING THIS CHARGE WHICH THEY WOULD HAVE IF I MADE THE PURCHASE THE CARD IS A CITIBANK CREDIT CARD
Consumer complaint received 2024-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (MI)

I had a line of credit for home improvement as part of a deal when purchasing windows. The lender was Wells Fargo. I paid off the loan in XXXX of XXXX and requested that the account be closed as I was no longer in need of that account. Today, XX/XX/XXXX, I received a statement email referring to that account. There is no balance but the account should have been closed 11 months ago. I have had many difficulties with this bank over the years and this is really the icing on the cake.
Consumer complaint received 2021-01-04
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: ID Analytics, Inc. (GA)

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.