davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I have Checking and Savings accounts at Citibank, N. A. and keep there all my savings for the last 25 years. 

I tried to place a big charge ( {$25000.00} ) on my debit card at a car dealership on XX/XX/2024. The charge was repeatedly denied ( even though I notified the bank in advance that I would be placing this charge ). After that I was told that there was a fraud alert, all my account were placed " under review '' and I could not use them. My attempt to receive a cashier 's check in a local branch to finish the vehicle purchase on XX/XX/2024 was unsuccessful. 

During multiple calls to customer service at Citibank from XX/XX/2024 and on all consequent days, I was told that review would take 24 hours and I would receive a call. As of the night of XX/XX/2024, XXXX full days have passed including one business day, and the issue is unresolved. I still have not heard back from the team that is supposed to clear my account. And they have no direct phone number, so neither I, nor even my Citigold manager at a local branch can reach out to them directly. 
I have bills to pay, and Citibank is not allowing me to use my own money and only keeps repeating that they need 24 more hours. 
Please help in restoring my full access to my own money.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NM)

My name is XXXX XXXX. I have an online savings account with Marcus by Goldman Sachs. About a year ago I suffered a XXXX. My daughter, XXXX XXXX, has p.o.a. over my affairs. We have submitted to them, 2 notarized copies of ours as well as 2 of theirs that they sent us. We never received any response from them. This process started in XX/XX/year>. In XXXX I felt I had recovered enough to try a more direct approach by calling them. Both my daughter and I spoke with XXXX. After successfully answering their security questions I requested that my account be closed and the funds be transfered to to my local bank account. They have that account on file and it is the account that funds were transfered from originally. We we told the transfer would be done in within 1 business day. It didn't happen. However we were able to access his account finally and get a current balance. After that we were able to access his account online and on XXXX XXXX we tried to do a transfer on line. After several tries it said we need to call. This time I spoke to XXXX (? ). I had difficulty hearing and understanding him but was able to give the last 4 of SSN, birth date plus former and current addresses. After about a hour on the phone my daughter intervened and asked to speak with a supervisor. This time we were given to XXXX, where we once again explained the situation and asked what it would take to get access to my funds. She said the needed to do an identity verification and gave us a case number and somebody would be calling. Nobody has called. I understand in this day and age the importance of security but we have met all that criteria. My XXXX  is suffering because of this situation and I'm concerned that I will not be able to enjoy my life savings! All I'm asking is for the money to be transfered back to my bank account that it came from originally. I appreciate any help you can give.
Consumer complaint received 2024-07-23
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: JPMORGAN CHASE & CO. (AZ)

The inquiries listed on my consumer report are inaccurate and were not authorized at the times the hard inquiries were made. I would like these removed immediately as they are not accurately being reported and they have had adverse effects upon my worthiness for credit and employment.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

XXXX is reporting to XXXX, XXXX, and XXXX that they verified the information that I disputed as being verified from the source. I requested the name of the person at the XXXX  XXXX that they spoke with that verified this information for them. They did not furnish a name to me, but instead referred to a third-party system. I know that accuracy is key on any of these reports and so when I contacted the XXXX  XXXX  in via certified mail ( XX/XX/year>2024 ), the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Ohio responded with a letter stating that " The XXXX XXXX XXXX  XXXX XXXX  XXXX does not report any information to credit reporting agencies. '' The letter they sent back to my wife XXXX and I was postdated for XX/XX/year>2024.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Valon Technologies, Inc. (MA)

My mortgage was transferred to Valon Mortgage company in XXXX of last year and my monthly statements reference a bankruptcy that was satisfied and discharged in XXXX. This bankruptcy did not include the property to which Valon is servicing the mortgage on. I requested Valon to remove the statement, citing the above reasons and that the bankruptcy was closed over XXXX  years ago. I was told it could not be removed : OUR RECORDS REFLECT THAT THE LOAN HAS BEEN IMPACTED BY A BANKRUPTCY FILING. THIS MESSAGE IS BEING SHOWN FOR COMPLIANCE AND INFORMATIONAL PURPOSES. 
IF YOU RECEIVED A DISCHARGE IN A BANKRUPTCY, ANY PAYMENTS MADE BY YOU, ON THE LOAN, ARE VOLUNTARY. AFTER A BANKRUPTCY DISCHARGE IMPACTING THE LOAN, ANY INTEREST IS LIMITED TO THE PROPERTY ONLY, AND NOT YOU PERSONALLY. THE INFORMATION CONTAINED IN THIS COMMUNICATION IS NOT AN ATTEMPT TO REVIVE PERSONAL LIABILITY ON A DISCHARGED DEBT OR TO COLLECT A DEBT FROM YOU PERSONALLY.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I request that Credit Acceptance remove this vehicle and all associated balances from my three credit reports, along with any accounts listed in my name. This request is due to the fraudulent alteration of the original account dates, which were changed from XXXX to XXXX for personal gain. Additionally, I want to clarify that I did not open this account and have never been in possession of this car.
Consumer complaint received 2024-07-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AL)

A collection by Transworl Systems Inc for XXXX continues to appear on my credit report. This account was paid in XXXX and has a XXXX balance. I will like to have the creditor completely remove this item from my credit profile.
Consumer complaint received 2024-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

I bought an item last XX/XX/2024 worth {$1300.00} using zelle through my bank XXXX XXXXXXXX XXXX XXXX. The seller 's information ( license ) and zelle accoint matched thats why i trusted him and trusted zelle 's secuirty they wont let fake information use their service. I was wrong. I got scammed. The seller didnt mail the item i purchased. Zelle doesnt want to help me even after i told they the let fraud created an account and use their service. My bank doesnt want to helped me too. Im so XXXX and XXXX  for many days. {$1300.00} is a big amount of money for me. Please help me with this
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (MD)

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 nephew. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

When I moved there was equipment for internet owned by XXXX. I shipped it back, but XXXX turned over the equipment cost to a debt collector known as IC System. However, the equipment was shipped on XX/XX/2024 aXXXX XXXX XXXX from a local XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. There are the instructions to the shipment : Device # XXXX Serial Number XXXX Device # XXXX Serial Number XXXX Reference Number : XXXX Tracking Number : XXXX Accordingly, I believe the collection should be deleted permanently. 

XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AR)

On XX/XX/XXXX I paid Citi Bank the remaining balance that was on my account, {$2100.00}. On XX/XX/XXXX after I made this payment, Citi Bank notified me, via email, that I owe {$30.00} for " Residual Interest '' from the year XXXX. However, I was never made aware of such a charge on any of my prior billing statements. Using this devious ploy, it is my belief that Citi Bank deliberately jeopardized my account with the added charge in order to not give me full credit for paying the loan back in full. And as of XX/XX/XXXX Citi Bank has still not notified me that the loan has been paid in full. It also should be noted that Citi Bank totally disregarded all my accomplishments of reducing my account balance from {$10000.00} in XX/XX/XXXX to having a XXXX balance in XX/XX/XXXX, in just 6 months! And even though I had stopped using the card in XX/XX/XXXX, almost 2 years ago, that accomplishment was also not recognized but instead Citi Bank chose to continue to give the illusion to the credit bureaus that my card was still being used. I have XXXX pages of documents from Citi Bank to support my complaint with them.
Consumer complaint received 2024-06-10
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. (MI)

XX/XX/year> XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] has violated my richts. 
I looked at my [ XXXX ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (TX)

I called into avant credit card company asking why after I paid my account off in XXXX is it still showing active and also a balance. I settled and closed this account. I asked her to email a letter in writing and she kept putting me on hold after every question i asked her. she came back to tell me due to their company policy XXXX ( myself ) can not release authorization to the credit bureau for my Mortage company. ( what?!! ) I told her I have never heard of the credit card company stating I can't release my own information. Also I asked for the information in writing stating this account was suppose to be deleted she said she could not provide that to me. this account has yet to be updated and removed and still shows active after 60 days of my payment. this is so ridiculous I have to fight for what was promised to me after I paid to have this account settled and removed. I never received a letter and they will not issue a email. all I have is my bank statement proof and when I log on m y avant account its shows the debt was settled but still shows active after I closed it.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I contacted the credit bureaus to dispute fraudulent accounts. I followed their protocol. Obtained police report, filed a report with Federal Trade Commission. identified the items in question with account numbers. provided social, Driver Licenses, and utility bill.
Consumer complaint received 2024-06-10
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. (TX)

I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (LA)

XXXX XXXX suggested that I reconsolidate my loans when I got behind several years ago. So I did because they were threatening to garnish my wages. I narrowed $ XXXX for school, now I owe over $ XXXX. Once I consolidated all those fees and penalties became principal and I could never afford to make my full payments. I know there was a lawsuit against them for doing exactly what they did to me. What recourse do I have and how do I know if Im part of this lawsuits?
Consumer complaint received 2024-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

The payment amount on my XXXX  was correct with the original lender. Once servicing was transferred to Shellpoint the payment amount was totally off. I have an existing balance of appx $ XXXX. Total line amount is $ XXXX. My payment should be interest only for the first XXXX  years. Current interest rate is XXXX  %. That should make my monthly payment somewhere in the neighborhood of {$XXXX} ( tops ). My payment started at {$XXXX}. As a result of my complaint/inquiry they finally changed it but still have an incorrect payment amount of {$XXXX}.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (NJ)

I have been trying to wire transfer money from my high yield online savings with XXXX Goldman Sachs since XX/XX/XXXX. EVERY day I call and EVERY day I'm told a different reason as to why they can not complete wire transfer. Many, many different agents and supervisors tell me -- transfer has been sent, transfer is pending, sent to a different department, can not verify, etc etc etc. I asked if they were insolvent and was told that my funds are indeed in my account. So, why can't the transfer be completed. I had the same amount of funds with XXXX online and in XXXX minutes over the phone it was completed with no complications. I needed to funds to purchase a home, and I lost the house because the funds were not available. I need help. XXXX XXXX, XXXX
Consumer complaint received 2024-07-19
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: Bread Financial Holdings, Inc. (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

This is in regard to the Wells Fargo XXXX fake accounts scandal. We ( Trust account ) had fraudulent accounts opened between XXXX and XXXX. My advanced aged father, in his XXXX 's, was greeted by name and assisted by a banker each time we went to the bank. We thought we were getting good service. However, managing the accounts became difficult due to the account numbers being changed and in so doing, ATM cards were issued and received by US mail. I spoke with a banker about this and had the account noted that no changes to the account and no ATM cards shall be issued without contacting me directly. The bank and I both have that documented agreement. My father never used ATM cards. They knew that. We did not require multiple checking and savings accounts. I have the fraudulent account numbers. 
I believe my father was targeted for this crime. All transactions at the bank require ID and all of the bank held documents establishing the accounts had his date of birth. 
Wells Fargo has communicated with me by form letters and I have communicated to Wells Fargo that I want the maximum penalty for the criminal offence of Elder Abuse. 
I don't believe Wells Fargo desires to pay the restitution. I want to be done with this nightmare. 
For reference : XXXX  XXXX XXXX case XXXX Thanks for your assistance.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (PA)

I filed a complaint a long time ago referencing Truist closing my account and never returning my funds. My account had been frozen for alleged check fruad. They had stated they were conducting an investigation and when completed I would be informed to the result. I have already explained that I have never deposited any checks to my account and all the money is rightfully my own, but unfortunately to this point Truist has used this excuse to part me of my money, and have provided no information on it for an entire year. I feel robbed, and left with no recourse.