davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

Phone Calls XX/XX/2024- Call Citibank to see why automated payment didn't go through. They tell me to talk to XXXX. 
XX/XX/2024- XXXX XXXX, they say they have one record of attempted payment for amount specified ( {$20.00} ) for any of their accounts bank-wide that clearly does not seem to be me. XXXX rep comments that perhaps this is related to the XXXX incident ( this is the only reasonable explanation I've heard so far ). 
XXXX XXXX XXXX- Call Citibank after deleting and re-adding autopay bank details and scheduling a payment for {$20.00} - they assure me that all the other charges will be reversed XXXX XXXX XXXX  - Call Citibank again after seeing my account still had a balance even though the {$20.00} payment has gone through. They claim they can not do anything at this time, open some sort of " investigation '' XXXX XXXX XXXX - Call Citibank again, it seems the " investigation '' was investigating the wrong thing, or didn't uncover new information. I am not clear on what exactly happened here. The customer rep states they can not refund all the charges at this time, that I will have to call back in a few weeks to get the final charges removed. I offer to pay the outstanding balance ( {$1.00} ) if they will CLOSE the account. This is what we do Emails : XXXX XXXX, XXXX  - I received a Payment posted email, the amount is {$20.00} XXXX XXXX, XXXX  - I receive a Payment rejected email - this is why I call on XXXX XXXX XXXX XXXX XXXX XXXX - I receive many emails as a result of my initial 3 calls to Citi and XXXX and the activity I initiated on Citibank 's website ( initiating re-payment of {$20.00} and re-enrolling in autopay ). 
XXXX XXXX XXXX  - I receive an email saying I need to call Citibank customer service- this is responsible for my call on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I receive an email thanking me for my payment of {$1.00} XXXXXXXX XXXX XXXX  - I receive an email confirming my account closure request.

XXXX XXXXXXXX XXXX - I receive an email noting a transaction adjustment of {$20.00}. XXXX XXXXXXXX XXXX - I receive an email noting a transaction adjustment of {$0.00}.

XXXXXXXX XXXX XXXX - I receive an email telling me I have a new statement balance of {$22.00}.
Consumer complaint received 2024-09-05
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 (AL)

I am writing to formally dispute the reporting of late payments associated with my account for the dates of XX/XX/XXXX and XX/XX/XXXX. This information is negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report. I am requesting that you remove these late payment records entirely from my credit file rather than verifying them. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NJ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

Since XXXX I have not been able to access my bank account with US bank. I received a work check for XXXX and tried to do a mobile deposit in XXXX. It did not go through, as the work place went bankrupt, and my account was flagged for fraud. I tried for a month to get back into my account, to use it normally, and I could not. I was advised to close the account and open another. The problem followed me into my new account, and no one can get me into my online banking. I have not been able to pay rent as I use XXXX, and have been forced to wire money and pay a fee to wire. It is now end of XXXX. I have called the institution about 10 times, and at least 6 times I have been locked out of my account by representatives of the bank. I just today went into a branch location, explained my issue, and said not to lock my account, and that the same mistake continues to be made. I have incurred late fees on rent because I can not use my XXXX feature with online banking. I allowed the representatives to do their thing, and next thing I knew, once again, they said I'm locked out of my account, gave me the same advice, and for the XXXX time I can not get into my account. There is no end to this. I'm running in circles following the same advice and can not access my bank account. I can't go in to a branch or call on the phone to have the problem resolved. 3 reps in the branch have tried to fix this issue for me, and many reps on the phone have attempted to fix the issue for me. Everyone has continued the issue instead of resolving it. I have no idea what to do and I can't pay rent on time for months and giving me fees for using a wire since I can not go into my bank account online and use XXXX. This is an infringement on my rights to access my money for 3 months now.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WA)

Im the victim of a credit card scam. I contacted Discover and asked how such something like this could happen. Why wasnt the 2 cards flagged to stop further purchases beyond my credit limits? I made no authorizations for any of these purchases or transactions. I believe that Discover fail with their due diligence. Regardless how the scammers got my cards I made no authorizations or okayed any transactions. It seems to me that Discover allowed this to happen to enhance their profit. This should have been flagged the moment the amounts exceeded the credit limits that were set. The scammers used Discovers temporary payment windows to skim while awaiting verification of payments. If there was a question on payments the account should have been closed while an investigation was made to what and why was going on than just authorize continued use of the cards. Discover didnt do there job. 
Now, one other thing the original ( XXXX ) accounts were closed. And now the account numbers have changed to ( XXXX & XXXX ) and some payments seem to be made but not by me. I have know idea what is going on!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I contacted with the Executive Office to report XXXX and this agent I spoke with which I forgot what her name is, but she is no help at all. These people turned against when XXXX sent me an pdf attachment of the agreement. I already read and learned my lessons not to damage my account. I blamed them, the customer protection service, and the entire Discover company for not approving my new application to get a new card.
Consumer complaint received 2024-09-05
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (MI)

My card was stolen and used by someone other than me without my permission. I called and reported the unauthorized use and was told they would be sending out paperwork for me to fill out and return. It is a XXXX XXXX XXXX with XXXX XXXX on fraudulent transactions. XXXX  Days have past and I received the new card but not the paperwork. I called customer service today and I was told that they sided against me and are not returning my stolen money. I asked XXXX or XXXX time to speak to someone who was a supervisor and was refused. The rep just kept repeating that the investigation was not in my favor and refused to allow me to speak to a supervisor. I was not even afforded the right to present my documents or proof of the fraud.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MD)

I've never been late on my PNC Bank Personal Loan Payments! Ever. Yet they report to the credit bureau that I'm 30 days late on my payments. My XX/XX/year> PNC Loan Statement also shows late fees of {$53.00} even though I've never been late on making a payment. I go into a local branch and make my loan payment and get receipts to make sure that I keep a record of my transactions, but PNC Bank still shows me making more than 3 late payments. This is crazy! What can I do t rectify this situation? Do I have to go to court or sue them to correct the misinformation or are they just delinquent in their reocord keeping. Please advise or I will seek advice from my Veteran Adminstration legal department.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BlueChip Financial (NV)

They claimed they have the wrong bank information. 
Which I re-read what I have provided. 
They claimed loan will be canceled after they receive the money back in 7 business days which their contract states that consumers have 3 days to return funding. To which this ordeal is a fault on their side not consumer. 
This is a common fraudulent activity that they conduct, the reviews of other consumers shares the same issues. 
They are bonded with an agreement to pay off a loan that they never receive
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (TX)

purchased this home in 2004 at XXXX. There is a XXXX  payment that has been on this loan since 2004. The loan has been sol XXXX times to XXXX different lenders through the course of this loan. I went from paying XXXX a month on XXXX  to now pay XXXX a month. I have been paying XXXX  for over XXXX. The mortgage company has yet to provide who insured the loan for possibly removing the XXXX. 
I owe over {$100000.00} more than what the loan was originally created. None of the lenders have original paperwork. I have paperwork from the origination of the loan. The balance is now XXXX. The loan was opened with a balance of XXXX. I need help with loan.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uplift, Inc (AZ)

They advertised through XXXX XXXX website to fund your vacation loan at 15.9 % when you accept the offer and then they attach a hard inquiry on your report they then change that to 35.95 % which is outrageous but you are at a point where you have to accept it since there is not many options after they already tagged your credit report. This is not a truth in lending and they shouldn't be charging an average consumer with a fair to good XXXX XXXX 35.95 %.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

This letter is regarding subject account XXXX XXXX, which you claim my account was charged off {$2700.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, this account has been paid in full of a final payment of {$750.00} made on XX/XX/2024. I request that you provide documentation of the complete satisfaction and payment of this debt and that its reporting to all credit bureaus to the same. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I am filing this complaint against PayPal due to the sudden and unjustified deactivation of my account and the withholding of over {$5000.00} in funds, which has caused significant financial hardship for me, my business, and my family. 

On XX/XX/XXXX, I received an email from PayPal stating that my account had been deactivated due to activity on this account that we can not process. I have been a PayPal user for 18 years and have never violated PayPals Acceptable Use Policy. My account is used primarily for receiving payments related to my freelance graphic design business. Recently, I also began using XXXX XXXX as an additional source of income, which I believe may have triggered this issue. 

I contacted PayPal immediately on XX/XX/XXXX to request clarification and resolution. I provided a detailed explanation of my account usage and transactions, including : A withdrawal of {$110.00} from XXXX XXXX on XX/XX/year> ( which was reversed ). 
Regular payments received from XXXX, including {$62.00} and {$900.00} on XX/XX/XXXX, and {$59.00} and {$770.00} on XX/XX/XXXX. 

None of these transactions violate PayPals Acceptable Use Policy, and all are legitimate payments related to my freelance design work. Despite my efforts to resolve this matter, I have not received a response from PayPal. I have also attempted to contact PayPal through their chat service and customer support by phone, but both avenues have been unable to provide any information regarding the deactivation of my account or the status of my funds. 

The funds held in my account total {$5200.00}, which are crucial for my familys support and the continuation of my business operations. This situation has caused considerable distress, and I have been left without any access to these funds for my livelihood.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

My Regions checking account was withdrawn for a few hours past the XXXX " grace period ''. I was charged twice within a week. Given that legislation is pending in Congress that would make these fees illegal, I would like all {$100.00} of MY money returned to my account or I will employ a consumer protection attorney and I will be using for far more than {$100.00}.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP (FL)

This letter is regarding subject account XXXX  XXXX, which you claim my account was charged off {$2700.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Furthermore, this account has been paid in full of a final payment of {$750.00} made on XX/XX/2024. I request that you provide documentation of the complete satisfaction and payment of this debt and that its reporting to all credit bureaus to the same. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2024-09-14
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: Experian Information Solutions Inc. (AZ)

I am filing a formal complaint against Experian regarding their failure to respond to a dispute letter I sent on XX/XX/XXXX. The letter, which I mailed via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), specifically requested information on how Experian verified disputed items on my credit report. To date, I have not received any response from Experian.

In my dispute letter, I requested the following information, which I am entitled to under the Fair Credit Reporting Act ( FCRA ) : The date Experian contacted the creditor or furnisher of the disputed items.

Contact information for the creditor or furnisher.

The name of the person who verified the disputed item.

The method of communication used to verify the information ( e.g., phone, email, etc. ).

Whether the creditor or furnisher provided my Social Security number, address, and date of birth during the verification process.

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure Experian complies with their legal obligations. Additionally, I seek assistance in securing the deletion of the disputed items on my credit report due to their failure to properly verify and respond within the required timeframe.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX XXXX XXXXXXXX acct # XXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXX Serv Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( 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 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAC Financial Corp (OK)

This company has been calling me for months for several different people. Today they called asking for a XXXX and I have finally had enough. They refuse to identify themselves. They refused to provide any information on what and why they continue to call. I have told them I am on the do not call registry. They will not listen to me, they hang up when I talk
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

First, this is the XXXX time ive had to deal with my account being hacked.. I previously made a claim and the claims dept finally reimbursed me. This has taken countless hours of my time.. away from my job, to call, go through the motions, haveing my card stopped, getting a new card.. XXXX in XXXX year!! 

I can't call anymore.. it's exhausting.. 
On XX/XX/XXXX my account is hacked, again, money is transferred from my investment account to my checking account and then proceeds to be sent. The amounts spent in XXXX mind you.. i don't live in XXXX, XXXX haven't been there since XXXX. The amounts are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I talk to claims they acknowlege I've been hacked and then to proceed to give me a refund on XX/XX/XXXX which they did. 

On the XXXX of XXXX I received a statment to my mobile app stating : {$XXXX} would be removed from my account by or before XXXX. 
I called spoke to a rep XXXX on XX/XX/XXXX who agreed and put in strenous note in my account stating the fact and that i was not responsible. 

But it happened today, regardless of my call etc. So here I am again. This is getting very troubling from a consumers side of this matter.