davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

I disputed several fraudulent accounts, as a result of identity theft. The accounts in question were deleted. Several weeks later the accounts were reinstated. Based on the research I did the proper protocol was not followed. Also these account were opened by me.
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Jefferson Capital LLC put a collections on my XXXX credit report but it on XXXX XXXX website, but nothing on the equafax website. I have never did business with this company with this company or signed nothing. If they can't supply proof I would like it removed from my credit reports ASAP or they will be subject to legal auction, for deformation of character and credit fraud. The amount they have posted is {$970.00}.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, after XXXX XXXX I mobile deposited through the Wells Fargo Mobile Banking app my payroll check for {$3300.00} from the state of California postdated for XX/XX/XXXX. The check began processing and I was immediately credited {$400.00} of the total. Under the impression that the check was accepted and going through the regular processing procedure I spent the money. The next day I received a message from the bank via their app, in a section of the app which is not visible or easily accessible, stating that a hold had been put on the funds because it was post-dated. The bank then withdrew the {$400.00} dollars I had been credited. I called the bank and spoke to XXXX representatives who could not give me any reason for the hold other than it being post-dated to the XXXX which was the present day. I explained that I needed the money to my rent but continued to repeat that they could not do anything because it was post dated to today 's date.
Consumer complaint received 2024-08-31
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. (NJ)

Over the past 12 months, I have submitted 2 separate disputes to charges on my credit card statement. In both instances, evidence explicitly shows the charges were not authorized. However, the credit card company Citibank denied both disputes. 1ST DISPUTE : In the later half of XXXX, I was charged twice for the same meal from XXXX XXXX XXXX. I was charged once by XXXX and then again by the merchant XXXX XXXX XXXX. This is shown explicitly on my credit card statement. When I filed this dispute with my credit card company Citibank, they automatically denied the claim. Although XXXX eventually reversed the charge, it took months of unnecessary phone calls. 2ND DISPUTE : Submitted on XX/XX/XXXX, evidence again clearly shows that a credit card charge was unauthorized. A credit card receipt explicitly states that cash was paid. Again, Citibank automatically dismissed my dispute request. CONCLUSION : I believe that Citibank 's dispute department does not reasonably investigate disputes and just automatically denies claims. If there is credible evidence that a charge is unauthorized, Citibank must reverse the charge by law. Instead, it's taking months of phone calls and letters to resolve simple billing errors. This

is a violation of the Fair Credit Billing Act. What's truly funny is that I submitted this same complaint with XXXX  2 weeks ag
o, and they too automatically closed mycomplaint when Citibank responded that " they need more time ''. I guess every corporation uses automated bots these days
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I was reviewing my credit and I realize I had damages on my credit report with inaccurate information. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (CA)

I have a Huntington Bank Checking account which I enjoy, but there's an issue with their online checking ledger. One reason I like this account is because of its Standby Cash feature, which allows me to access funds between paychecks. However, I recently used Standby Cash and promptly repaid it on payday, Friday, XX/XX/XXXX. Today, Saturday, XX/XX/year>, I spoke to a customer service agent who informed me that I wouldn't be eligible to use it again for three months due to overdrafts. 

There was a purchase made for {$6.00} parking at XXXX XXXX on XX/XX/XXXX, and the other was a {$3.00} XXXX transaction on XX/XX/XXXX. ( Note : You can not use XXXX if there your account is at {$0.00} ) This caused my account to be overdrawn by {$8.00} from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a {$16.00} refund was credited to my account. On XX/XX/XXXX, I received a {$40.00} XXXX payment, and on XX/XX/XXXX, two direct deposits totaling {$1200.00} were credited to my account. 

I could understand that if I had overdraft my account in two consecutive billing statements but to ban me from the Standby Cash feature because of two incorrect bank ledgers is an outrageous and unfair banking policy.
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (DC)

My monthly home mortgage rate has been ~ {$6200.00} since we purchased our home in XX/XX/year>. Last year, our bike was stolen from the front of our house and we had a minor theft reported while travelling. Both were reported to home insurance. Because of that, my home insurance ( XXXX XXXX XXXX ) declined to renew our coverage last XXXX. My mortgage servicer, US Bank, claims they tried to inform me of this change via mail. When told that I never received any notification, and upon being asked to show proof they tried to communicate with me via email or phone ( my preferred method of communication and the way they communicate with me for all other reasons ), neither they nor XXXX were able to show me any proof.

As a result of my home insurance being cancelled, US Bank then elected to sign me up for their own home
insurance plan, which was roughly 4.5x the cost of my previous plan ( {$800.00} per month, instead of {$160.00} per month ) per. BUT, they did not actually start charging me this on a monthly basis until XXXX, when my escrow was fully depleted and they conducted a new escrow analysis. XXXX Bank did not provide explanation for why they waited this long to conduct a new escrow analysis, which does not make sense since they knew my escrow would quickly be exhausted by the new plan. 

In XXXX, my monthly mortgage payment suddenly jumped from ~ {$6200.00} to ~ {$7800.00}. As soon as I discovered why, I changed my insurance that day to another XXXX plan for {$220.00} a month, nearly {$600.00} cheaper than the plan US Bank forced me to sign up for. And because I didn't find out about it until XXXX, I accrued nearly XXXX XXXX in extra expenses, that US Bank is now charging me for to catch up to my old account.

US Bank acknowledges I never consented to the higher rate, and would not provide any proof it tried to contact me via email, despite acknowledging that is how I elected to receive notification. US Bank also refused to provide any reimbursement, despite no claims being filed
on my home during this period. XXXX also did not provide me any explanation as to why they did not communicate with me via email, despite using email for all other communication up to that point ( including sharing my policy with me when I first signed up ).

I find this practice highly misleading and unfair - I never knew about my insurance cancellation, no one tried to contact me via email or phone, and they signed me up for a much more expensive plan without my consent th
at cost me nearly XXXX XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/year> The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bond to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with the promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I am making regular payments plus principle. They are not applying the additional payment to more rapid pay down of principle rather they are holding excess payment and applying to future payment, not reducing principle and they are annually reducing my minimum payment directly against my instructions. After the last conversation with the company, they actually reversed an auto payment and said I had a late payment. 

The people I speak with have no idea about prepaying the principle or they are deliberately trying to keep me paying my loan. They owe me back payments on principle and credit for interest they charged me.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (KS)

XX/XX/XXXX current financial closed my account along with my XXXX  accounts and quit answering emails. XXXX was take from XXXX  checking. XXXX was taken from XXXX  savings and XXXX was taken from my checking
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (HI)

paying on my loan for over 72 months.. and interest continues to compound.. the loan I am under will have me paying for an additional year This loan has continued to occur miscellaneous fees that has me paying an interest rate owing additional money over the life of the loan this company practices should be illegal.. I will be taking a copy of my loan to A lawyer XXXX morning to find out my rights.. I am looking into suing this company to protect others that they maybe using these predatory practices on. Attached document shows loan should be completed as of XX/XX/XXXX.. I currently still owe XXXX as of XX/XX/XXXX when I called the creditor.. the explanation was because of late payment being a month behind they have charged me additional interest onto the loan each Month.. I am willing to talk to the media.. I will be speaking with jag and allowing them to use my payment history to see if they can have this company listed and banned due to their as one of theirpredatory loan practices to protect other young soldiers who may not have an understanding of loans and do not understand what companies like this does I contacted Regional Acceptance corporation in XXXX and in XXXX and they would not cancel the fees!
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Absolutely ridiculous, Capital one accounts have been locked while I was traveling and Capital one refuses to provide toll free number overseas or proper customer service in XXXX. XXXX reps are not adept and incapable of addressing issue of locked account. Took over a month and still not fixed. Identity verification can not be properly completed because Capital One short codes do not go thru to phone number on account, and changes take up to 15 days while stuck stranded overseas with no money. Completed multiple ID verifications as well repeatedly. Could not get a new credit card sent out in a timely manner, nor change pin, or unlock bank account.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

Your company ( CHIME FINANCIAL INC ) ( CHIME MOBILE BANKING ) ROBs me of MY MONEY, I've called on many MANY OCCASIONS to RE-GAIN access to my account n NOTHING. I've been TOLD MY ACCOUNT WAS CLOSED DUE TO FRAUDULENT ACTIVITIES. I've asked for a FULL PRINT OUT of my activities from XX/XX/XXXX to XX/XX/XXXX it's been almost 4 weeks I have NOT received ANYTHING FROM UR BUSINESS. ALL MY DISPUTES WERE DENIED LESS THEN 24 HRS AFTER I CALLED. HAVING TO START FROM THE BEGINNING LIKE 8 TIMES, CAUSE THE REPRESENTATIVES WOULD DISCONNECT THE CALL. So everytime I called back I WAS NO CLOSER TO GETTIN THIS SITUATION RESOLVED. Not only was my disputes DENIED LESS then 24hrs later. I have yet to recieve ANY of my REQUESTED statements from XXXX XXXX to XXXX. XXXX. My account is CLOSING XX/XX/XXXX for reasons UNKNOWN to me XXXX NOW THIS... VERY FUNNY DISRESPECT? The FACT that there was MONEY in my account in XX/XX/XXXX here it is XXXX XXXX I GET ACCESS TO MY ACCOUNT THERES NO MONEY IN MY CHECKING, SAVINGS or CREDIT BUILDER ACCOUNTS. A TRANSFER OF XXXX XXXX XXXX was made OUT OF MY ACCOUNT, TO WHERE? UNKNOWN!!! NO LEDGER OR ACCOUNT ACTIVITY STATEMENT HAS BEEN SENT TO ME AS I REQUESTED... NOW THATS DISRESPECTFUL CONDUCT. NO ONE FROM YOUR BUSINESS HAS ATTEMPTED TO RESOLVE THIS. IM NOT WHAT THE NEXT STEP TO THIS WOULD BE. BUT HARASSMENT?! NOT IN THE LEAST I WOULD APPRECIATE N ANSWER BACK ON THIS DISRESPECTFUL CONDUCT. 
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Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I have XXXX student loans with Mohela. A while ago, I received a email stating that they changed their platform, reassuring me it would be a smooth transition, but I could not login while this transition was made. I followed their instructions, but the platform failed to allow me access to my loans. In trying to call and gain access to the account, I was asked for my birth year and social security number. This are numbers not easily forgotten. Ive called multiple times in the last few months, but I keep getting notified that none of my information matches their records. Its on my credit report, so I can see that my loans increased earlier this year in XXXX. Im XXXX  because Im not able to make payments to get rid of these awful loans, so theyre growing out of my control. My loans were recently placed in forbearance and I took classes, so the interest has stopped for now but I need immediate access so that I can take control of my own financial situation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

ACCOUNT # XXXX XXXX this is XXXX  about these accounts. Im not XXXX XXXX pay these accounts I'm super XXXX, now or in the future. Thats just how it is. Later,
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They contacted me via XXXX  to work online on XX/XX/XXXX. 
Registered on XXXX on XX/XX/XXXX. The person they call as a " mentor '' started giving me a training. When I finished the small training tasks, she said to install and use XXXX, XXXX, XXXX to pay about {$XXXX}. She taught me how to receive the payment, convert it to XXXX and then again to USD to put in my bank account. 
Then they told me to do more, I needed to pay {$XXXX}. Thought that's kind of the lesson fee, so, I paid. 
At the end of the day, I made more than what I paid. But I didn't withdraw that because they require " prepayment '' to start the jobs next day. This prepayment amount is going to get higher depends on what you made and that's the measurement of the level setting. The higher level, the more pay we can get. 

On the XXXX day, there was another type of the tasks which require more prepayment. This one was a training task, so, the mentor paid. 
Later on that day, when I started my own tasks, I got the same type of tasks. Still small amount, so, I paid. 
Repeated this for XXXX more days. On the XXXX day, I was able to keep about {$XXXX} in my XXXX  account. They recommended me to make a higher prepayment, which is {$XXXX}. I said no. I wanted to keep some money in my XXXX  account for the next day in case I get this higher prepayment tasks. 

Then the XXXX day, on XX/XX/XXXX, I finally convinced this is a scam. Those tasks which require higher prepayment showed up a lot on me. The mentor said there is a limit of XXXX of those tasks. But it wasn't. At the end, I paid more than {$XXXX}. I was planning to withdraw all money and quit once I complete the tasks for the day. But then at XXXX XXXX of only XXXX tasks were left, this higher amount task showed up. This time, it was {$XXXX}. At this point, I was already crying and asked the mentor for help. She just kept telling me to stay calm and look for where I can get the money. She told me to ask friends for loan. I just left the site and she kept telling me to pay the money and keep going. 

They had a chat group and they said they were making a lot of money. Later on, I head those people are also a part of scammers. 

I reported to XXXX on XX/XX/XXXX. Also, hired XXXX people to get back what I paid. Also, I contacted Capital One and XXXX. 
Capital One once returned money only {$XXXX} or so, but at the end, they pulled the money. XXXX said they won't do anything. 

I also reported to the local police. Waiting for the report comes out. The case number is XXXX. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The site they used is already shut down.
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MD)

Since XX/XX/XXXXXXXX  I have put in no less than 8 disputes between XXXX, XXXX, and XXXX regarding this debt. Ive filed a FCC complained that was provided to XXXX in XX/XX/XXXX and no one reviewed/ substantiated the debt in question. Ive also contacted XXXX numerous times and had my tickets closed without explanation. The total owed is incorrect and Ive incurred higher expenses for car payments due to this oversight. I was billed after cancellation and had a TV service added without my consent. Service was cancelled XX/XX/XXXX. This is the 3rd time XXXX has sent me to collections without cause. Previously, I was charged for equipment that I never had.
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation (MD)

On Saturday, XX/XX/year>, I received an electronic communication from a company by the name of InDebted USA Inc, a debt collection agency alleging a debt owed to XXXX, a buy now pay later loan service. I received another comunication on Sunday, XX/XX/year>, which I find to be in violation for religious reasons. The communication is through email. Due to concerns with phishing, I do not open suspicious links sent through email or text. I find the communications suspicious as I have not received any validation information through the United States Postal Service. I find the conduct of InDebted USA INC to be in violation of the Fair Debt Collection Practices Act as their electronic communications are increasing in order to harass, oppress, and abuse.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (VA)

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. WELLS FARGO CARD SERV, has violated my rights. 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 2024-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have spoken to Bank of America three times in the last 3 days and today is XXXX  XX/XX/year>. Each time I have spoken to a representative they have told me that they would not be able to refund me the interest that was accumulating from an offer ending that had 0 % interest on a balance transfer for me I had noted that it would end on XX/XX/XXXX and it ended before that time frame. When I question them about it they said it was in the third page of the statement even though I had been all through the statements and couldn't locate the date. I just happened to call to double-check my information and saw that they were already charging me Interest. I want a refund of the interest that was charged as I have already paid off the card with two different banking entities
Consumer complaint received 2024-08-31
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: GOLDMAN SACHS BANK USA (NC)

Made a transaction of {$250.00} with my AppleCard ( Goldman Sachs ) for an electric vehicle reservation with XXXX on XX/XX/year>. On XX/XX/year>, per the XXXX terms and conditions, requested to cancel the reservation and receive a refund. XXXX replied with a promise to provide a {$220.00} refund ( {$250.00} minus {$25.00} processing fee ) on XX/XX/year> to the original form of payment ; however, no refund has been provided as of XX/XX/year>. I contacted Goldman Sachs / AppleCard Support and submitted a dispute. Unfortunately, Goldman Sachs has done no investigation, instead they simply close the dispute. When contacting customer service, I am promised escalation, to be contacted directly by the dispute claims department and to receive merchant information regarding their response to the dispute ; however, none of these activities take place. Instead, I receive an automated email indicating the dispute is closed. 

XXXX has promised a refund per their terms and conditions and are withholding my money ( {$220.00} ) ; worse Goldman Sachs has taken no action to support their customer in securing the refund.