davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

In XXXX of 2024, I purchased a computer from Best Buy at their XXXX XXXX, SC location. The cost was approximately {$1900.00}. When I handed the store clerk my debit card to pay for the purchase, he told me that if I opened a Best Buy credit card, I would receive a {$170.00} credit which I could use against the cost of the computer when my first billing statement arrived. I didn't really need another credit card, as my financial situation allows me to afford whatever my needs are without buying things on credit ( other than XXXX, etc. ) But against my better judgement, I said " OK '' to the clerk, thinking that I would just use the {$170.00} credit against my purchase, and probably never use the card again. At any rate, the first bill arrived and I went online to pay off the balance. I immediately noticed that there was no {$170.00} credit applied, and so I called the number for the Best Buy credit card. The representative then told me that I could not use the {$170.00} credit against the computer purchase, and that the credit could apply only against future purchases. I explained what I had been promised when I opened the account, but the representative replied that she was sorry but I would have to pay the computer price without the credit. I then paid the balance on the account, less {$170.00}. I told her and then another representative who called approximately a month later that I had been happy to pay the amount I had agreed to, but that I would pay no more.
Consumer complaint received 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist Bank bought my mortgage from XXXX XXXX. I received a letter from XXXX dated XX/XX/year> informing me of the sale of my mortgage and letting me know that my payments would now go to Truist beginning XX/XX/XXXX. I received an email from Truist on XX/XX/XXXX stating that my mortgage was now being serviced by Truist and they were setting my loan up. I would not be able to pay my mortgage via phone or their online banking but could contact them XX/XX/XXXX. They stated that i would receive further instructions on XX/XX/XXXX and be able to make payments. They also stated that i would receive a Notice of Servicing Transfer in the mail. XX/XX/XXXX came and I received an email welcoming me to Truist and stating that i should have received Notice XXXX XXXX XXXX in the mail. As of XX/XX/XXXX, I have not received this Notice. The email on the XXXX gave instructions on how to sign up for online banking so that I could start paying my mortgage. I have attempted to set up online banking 8 times since Friday the XXXX with an error message each time. On XX/XX/XXXX, I contacted the customer service phone number to get assistance in setting up online banking. After first conversation at XXXX XXXX  CST, I was told to attempt again online in an hour or so. I attempted again at XXXX XXXX  CST with same error message. I called customer support and after a 20 minute call was told that I had to go to a branch to get my online banking set up. I explained to customer support that they are the one that bought my mortgage and that I have never had to go a branch to set up online banking for my mortgage and that this was their responsibility as the purchasing servicer. It was left that I had to go to a branch to show my identification. I was then called back and told the only way to proceed was esign documents and send a copy of my drivers license. This has never happened with any of my previous mortgage servicers and is totally unacceptable. I didn't ask for my mortgage to be sold and I shouldn't have to jump through extra hoops to pay my mortgage..
Consumer complaint received 2024-11-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation (MI)

I received 2 phone calls at work and on my cell from a XXXX number a XXXX " Compliance Officer '' stating that he was asked to get ahold of me to serve me papers. If I wanted to know more, I would need to call XXXX, which I did. When calling, they did not answer with a company name, but transferred me. I was then told that Zocaloans was trying to sue me. Stated they would put a lien on my house and garnish me, and that they were a " Medication '' Company called XXXX. I asked for their address, and was told " sorry I can't hear you, hold on '', then I was hung up on. I called back and got their VM, asking for their address, received one back from a XXXX XXXX, stating that the address is not something that is to be given out. Asked for a call back to finalize claim or resolve it. I have not called back.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Transactions in dispute by fraud against my Savings Account Last four digits in XXXX at CHASE. 

{$19000.00} date of fraudulent withdraw XX/XX/2022 {$28000.00} date of fraudulent withdraw XX/XX/2022 I am filing this claim as part of an ongoing issue against my CHASE bank accounts ending in XXXX ( Savings Account ) and XXXX ( Checking Account ) that began on XX/XX/XXXX after receiving correspondence from CHASE allegedly signed by a Telephone Banker named XXXX XXXX, who without proper verification of my identity and in violation of my rights as the owner of my accounts, generated telephone credentials and replaced my debit card in use to a third party, who since that date, has made use of such instruments to fraudulently subtract money from my bank accounts with Chase, as shown by the claims already processed before you under Numbers : XXXX, XXXX and XXXX, respectively.
Consumer complaint received 2024-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I XXXX  money from my savings account to a recipient that turned out to be a scammer. XXXX minutes after XXXX  the money, I called my bank to cancel the transaction. They said they could not stop the transaction. They told me to file a dispute which I did. They said that they would let me know something in XXXX business days. I told them that I wanted to do everything I could do to get that money ( {$500.00} ) back as XXXX XXXX XXXX XXXX XXXX XXXX  with a small pension and {$500.00} is a BIG loss for me. They told me that I just had to wait XXXX business days. I also filed an IC3 complaint with the FBI.
Consumer complaint received 2024-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (FL)

XXXX XXXX sold the contract to XXXX XXXX XXXX after they take over transition the system never work properly again after multiple attempt they never fix the problem XXXX XXXX fail to provide me a safety service my alarm when off and did not transmit called XXXX  to informed and they never was able to fix the Problem forcing me to go to a different company my last balance was about XXXX dollars they continue charging with out providing a service now they are attempting to collect {$1000.00} dollars debt
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have had a card since XXXX my available credit was {$21000.00} and at the time my total account balance was {$11000.00} this was back in XX/XX/XXXX. I made my payment on XX/XX/XXXX when my payments are due on the XXXX of each month. I have never been late nor have I ever made the minimum payment it was always much higher. In XXXX I received a letter that they reviewed my XXXX credit file and decided to reduce my credit limit to {$11000.00}. Give me {$800.00} available credit. This negatively impacted my credit score when made it seem as though I'm maxed out on my card. After the stress and worry made me sick and hindered my day-to-day living I finally accepted there was nothing more I could do. My score started to go back up. In XXXX I set my account on auto payment and had to stop auto draft in XXXX because my funds were low. I had to delete it because I was changing the amount. So the month of XXXX I forgot that I had deleted my autopay and I paid my bill on XX/XX/XXXX. ON XX/XX/XXXX I received a letter stating that they had reduced my credit to {$9300.00} leaving me available credit of {$200.00}. I have auto drafts that come out in that card that total {$300.00} that I have had to move around made my credit scores drop XXXX points my credit utilization go up looks like I am over my credit limit and said it was due to the XXXX report. I have tried to reach out to Citi Bank to talk to someone about this and get nowhere again. I even called XXXX who can not pull up my reports from when this all started back in XXXX. This is affecting my life my health and my sanity. Since XXXX I've paid my balance down almost {$3000.00}. And If I had known my available credit was going to this low I never would of charged this much on this card, to begin with.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposited a {$75000.00} check that Wells Fargo CLEARED. Once the money cleared I has access to transfer it. I transferred the {$75000.00} out of my Wells Fargo account into my personally brokerage account. Two days later, on XX/XX/XXXX, Wells Fargo said the check was now pending and had some " issues '' and they then removed {$75000.00} from my account, resulting in a {$60000.00} overdraft. Upon calling the bank they had no information for why the check was reversed and did not give me my money back. They reached into my bank account, and stole my money.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (GA)

XX/XX/year> FirstSource Advantage , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Final Demand for Verification and Removal Due to Inaccurate Reporting Dear To Whom It May Concern, This letter serves as my formal and final demand for FirstSource Advantage , LLC, to provide adequate verification of the alleged debt and cease reporting it to any credit bureaus if validation is not provided. This request is made under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I previously requested validation of this alleged debt and expected a response in compliance with the FDCPA, which mandates providing sufficient verification and details beyond a mere bill statement. The law requires the original creditors identity, amount owed, and validation that this debt belongs to me. Providing a statement or account summary does not fulfill these requirements, nor does it substantiate the accuracy of the debt. 

As FirstSource Advantage has failed to provide proper validation, I demand that : All inaccurate information be removed from my credit report within 15 days of this letter, as its continued reporting constitutes a violation of the FCRA and may result in damages to my creditworthiness. 

No further contact be made with me about this alleged debt, as outlined under 15 U.S.C. 1692c ( c ) of the FDCPA. I hereby issue a formal cease-and-desist on all communications regarding this matter. 

Failure to comply will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I reserve the right to pursue all available legal remedies for violations, including damages under 15 U.S.C. 1692k. 

Please consider this letter as my final demand to resolve this matter amicably. I expect prompt and full compliance to prevent escalation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

The Bank that I'm referring to in my complaint is Wells Fargo. On XX/XX/XXXX I woke up to notifications of 2 transactions one for {$140.00} to XXXX XXXX and another one for {$500.00} to Redily which I later found out is similar to Money Gram which allows you to wire money electronically. I called the bank immediately after I noticed. Later on that day I noticed the bank reimbursed me for both fraudulent transactions from my checking account. I moved on with life. Come XX/XX/year>. I see XXXX have been deducted from my account. I looked at my account and it said " provisional credit reversal ref. # XXXX. ". I immediately called Wells Fargo and they inform me that they concluded their investigation on my claim from XX/XX/year> and determined it was a legit transaction. Pretty much that I had made that transaction. I explained my frustration and how unfair this was for me to be held accountable for something I didn't do. My bank pretty much said I was lying about this claim. I was very disappointed in my bank and worried about how I'll recover from such a hit to my bank account. It was {$500.00}. And I didn't do that transaction is what I explained to my bank. They told me It was up to me to follow up with the merchant in which the transaction took place and see it they could do anything because as far as their end, the investigation was over. I tried calling XXXX and I had no luck since the bank called them to investigate and they flagged it closing the account. I couldn't get answers about where my money went. In the mean time I wait for the proof that supposedly the bank was going to send. I've called them 3 times asking them why they haven't mailed it. They give the run around everytime saying it takes 30 days. It's been 3 months and nothing. This is completely unacceptable and in the mean time I'm short {$500.00} in these hard economic times. Why Wells Fargo??? I have no faith in banks now and try to keep as little as possible now.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MO)

New account plus they put my information in incorrect. Online and card access keeps getting locked and makes it hard to put money into the account. Plus I had no knowledge multiple times because the email was incorrect. Multiple overdrafts I attempted to fund in the grace period but due to account issues that I have had multiple tickets submitted due to this issue. My manager at the company said he could wave all the fees but due to me being an employee I have to go through the call center. The call center refuses to waive anything and I feel like this is unfair and illegal practices by the bank. If I was a random customer I would have had this issue taken care of promptly. Due to me being an employee theres nothing I can do. I am not representing regions in my FREE AND PERSONAL TIME OR ACCOUNTS. I should be treated unfairly because I work here.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

On XX/XX/year> {$4900.00} was deposited into my checking account and immediately taken out. We never really use that account and the balance never changed. It was not brought to our attention until we received a letter dated XX/XX/year> stating a 1 time transfer debit in the amount of {$4900.00} was debited from an external account. After seeing that our checking account was now overdrawn for {$4900.00} we immediately called USAA. They took all the details and said they would be in touch. We received a letter dated XX/XX/year> stating they could find no fraudulent activity! 
We called again, and again they would look into it. We did then receive a letter dated XX/XX/year> stating the funds had been transferred from XXXX XXXX XXXX XXXX XXXX. 

I called again in XX/XX/XXXX, XXXX promised he would called me back as there was systemwide outage of their fraud tools! 
9 days later, here we are, no call back, no resolution. 
I have specifically asked for the transaction details showing where the money was transfer from and to. Which financial institution and what accounts so I can prove that I do not own those accounts. I also want the type of device and IP address where the transactions occurred. I am a flight attendant and was working on the airplane that day and show where I was. 
The phone call today again proved fruitless. The money came from XXXX ( finance ) The owner of that account said they had not authorized it and so it was return the same day. So how is it {$4900.00} XXXX drawn. Obviously the money was removed somewhere else that day. USSA do need seem capable of looking further into this and there is no was to speak to their fraud department as apparently it is " back end operations ''
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: College Ave Student Loan Servicing, LLC (OH)

I am cosigner on my daughter 's school loan and I have been paying it but College Ave collection keeps calling me even after the loan has been paid. I have told them to stop I have paid it but they just keep calling.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rosebud Economic Development Corporation (KY)

Company called and said they was with zocalones trying to collect a debt. I said cease and desist and yet they called and disclosed my personal information to my ex-wife to my sister-in-law to my brother to my mother. They said I compliance officer will be at my house at XXXXXXXX XXXX  tomorrow even though I know that's a lie because of Kentucky we have sheriffs and the sheriff 's will come and serve you papers.
Consumer complaint received 2024-11-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have a Macys credit card that has an XXXX XXXX portion - the account is through Citi bank. I have 1 credit card with one number. I generally pay the balance off each month. However, when my EFT payments are applied they always go to the wrong account, leaving the credit balance on one account and then the debit on the other. I get hit with late fees and interest charges which I spend hours every month on the phone trying to resolve. In XXXX I closed the XXXX portion of the account to try and resolve the issue. I still am receiving statements for a past due balance even though Citi bank actually owes me a refund when you net the two accounts. Ive been trying for months to resolve and continue to receive promises each time I call that its resolved. I continue to receive bills with past due balances, interest and late fees which is reported to the credit bureau erroneously. Im not sure what to do at this point.