davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX I sent XXXX, XX/XX/XXXX I sent XXXX, and XX/XX/XXXX I sent XXXX through XXXX via Wells Fargo. This was all for a deposit and first month rent on a rent house. When I met to get the keys he never showed up and later that day I learned someone lived in the house. Wells Fargo did an investigation but the funds were already transferred and the sent a letter stating the cases were closed that I received XXXX.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I am writing in regards to the closure of my checking and savings accounts due to alleged fraud on the associated checking account. To the best of my knowledge, no investigation has been conducted in this matter. 

Subsequent to my inquiry about the case, the funds within the checking account were mailed to me. However, I have not received any updates on the savings account despite receiving a mail stating a balance of {$500.00}. 

I have made multiple attempts to contact the bank for clarification on the matter but have not received a satisfactory response. I would greatly appreciate your prompt assistance in resolving this issue and retrieving the funds from my savings account
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX at citi bank location in XXXX ca bank location XXXX. The address is XXXX XXXX XXXX XXXX Ca XXXX. She was very rude and I feel like that she was racially profiling and discriminating to me I would like for her not to be a teller. She should be working in the back because she doesnt know how to do customer service skills.
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Two companies are involved in what we suspect is predatory lending with a senior citizen in poor health and in debt. XXXX ) XXXX XXXXXXXX XXXX and 2 ) Dividend Finance. My mother was a senior citizen, XXXX XXXX XXXX and in poor health as well as struggling with XXXX. She was sold a 'top of the line " walk-in bath tub for {$23000.00}. The bath tub was installed early in XXXX XXXX XXXX Just a few weeks later, my mother passed away ( XXXX XXXX XXXX  ). She never used the tub. In XXXX XXXX I was granted court approval to handle her affairs as the Administrator of her estate. My mother did not have the income to ever fulfil paying off this loan in her lifetime. She was on a fixed income, living in a house with a reverse mortgage and leveraged deeply with debt. We have asked Dividend Finance several times to supply us with a copy of the loan application and a credit report application that justified her being able to secure a loan for such a large amount. They have not complied with our request. We have attempted numerous times to reach a senior person in this company. We are directed to a different person every single time we call with no accountability or follow-up. They say they will call us back, but never do. They do not respond to emails and there is only one general service telephone number to call. When we call, we just get a first level customer service person who pass on messages. 

We have to believe this is part of their business model-to target elderly folks in poor health, as they know they will get their money post-mortem. Please Note : The Sales Rep from XXXX was aware of the squalid conditions my shut-in mother lived in. What protocols are in place for XXXX to determine that their customer is in good financial standing and sound mind to make such decisions on such an expensive purchase? We believe the XXXX Sales Rep also assisted my mother in completing the loan paperwork. There is a lot to question on how both companies conduct business. 
PLEASE NOTE I WAS UNABLE TO PROVIDE A LOAN NUMBER BECAUSE DIVIDEND HAVE THUS FAR REFUSED TO SEND US A COPY OF THE LOAN APPLICATION.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have requested in writing multiple times debt validation after two collections appeared on my credit report from a company I have never done business with and have no responsibility to. They have not provided any of this information and my credit score dropped over XXXX points because of these accounts. I am now not able to purchase the house I was approved for before these fraudulent accounts.
Consumer complaint received 2024-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capitol One credit card to dispute a charge for {$590.00} from Off XXXX XXXX. I told them that I had already been charged for that item on XX/XX/XXXX from XXXX XXXX XXXX and had returned the item at the store. The store gave me credit {$590.00} ( return receipt which I have and sent to them ) on XX/XX/XXXX but then charged me again on XX/XX/XXXX another {$590.00}. I contacted Off XXXX XXXX and they said that it was a mistake and they would credit me back. However I did not see the credit and that is why I contacted Capitol One. Capitol One decided they would close my account and issue me a new one ending in XXXX. 
They made an adjustment and sent me a letter saying the dispute was in my favor and took off the adjustment because they said I had 2 credits. This si incorrect because I have 2 charges from Off XXXX and only 1 Credit. I have called numerous times, taken time off work. I have calls that have lasted over 2.5 hrs with Capitol one and all they say is I have 2 Credits but never send me proof and now I owe the {$590.00} when I already returned the merchandise and have a return receipt. The XX/XX/XXXX charge should be credited to balnce off the charge, this is so frustrating and when I explain the the agnets customer service they agree and then they send me a letter stateing that my case is closed. I feel like I am in the XXXX XXXX  going around and around this is extremely terrible customer service. I need a credit and no one can help me fight this charge. Store return receipt trans XXXX done on XX/XX/year> XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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: WELLS FARGO & COMPANY (CA)

Opened a dispute with Wells Fargo issued Visa credit card as below : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated WF closed this dispute without due diligence of following up with the merchant ( XXXX ). 
WF did not look at the dispute until I contacted customer service.

They did not provide a temporary credit at any point of time.

In the conversation with the customer rep, they told me that I do not have any proof, inspite of sending them all the receipts.

They closed my dispute overnight without any follow up with the merchant about the overcharged amount.I extended the rental online and did not get a receipt for the amount which is different from the final amount that I was charged.I am not disputing the whole amount of XXXX was overcharged by {$82.00}. 

Customer rep insisted that they can not do anything and closed without doing their due diligence.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2024I Deposited {$300.00} at the XXXX XXXX RI Citizens Bank branch. A few hours later two withdrawals in the amounts of {$100.00} and {$200.00} where taken out at a XXXX XXXX FL location. Then a charge at XXXX 's for {$11.00}. 

I went into the closest branch to me to figure out what to do. They opened a claim for the charges and opened me a new bank account. The Fraud Claim was denied... So I went to a different branch, this time, and complained again. They opened new claims. The XXXX 's charge this time was approved but the two charges for {$100.00} and {$200.00} where not.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Pen Fed Credit Union.

Pen Fed Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX. 

This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. 

I extended my credit card ( or social security card ) in good faith to Pen Fed Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (GA)

I am writing in response to your statement regarding my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, which I filed on XX/XX/2023. In your response, you stated that you would not honor my invoice because the item in question did not appear on my consumer report. However, this statement is inaccurate and misleading.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

CareCredit Rewards MasterCard is a credit card that combines the benefit of being a MasterCard that accumulates rewards points but also still allows the promotional financing through in-network CareCredit providers like a traditional CareCredit card. Card holders can have an active revolving balance as well as active promotional balances that are supposed to be interest-free if paid off within a certain timeframe. I am supposed to have XXXX active promotional balances right now that will be interest-free if paid off within 6 months. I also use the card for regular MasterCard purchases to accumulate point and sometimes carry a revolving balance in addition to the XXXX promotional balances. I always pay off the balance on all of my credit cards each month so I do not pay interest. CareCredit keeps applying my payments towards the promotional balances first even though I am still within the interest-free 6-month timeframe. This leaves the revolving balance only and they keep attempting to charge me interest on it. I have requested to them multiple times to first apply my payments to any revolving balance but they do not seem to have a way for their system to automatically do that. I have to contact them when I make a payment and request for my payments to be manually re-allocated to the revolving balance so that I am not charged interest. I always pay off the promotional balances within the specified time frame so I do not pay interest on them. 

I am very mindful of my finances and avoid paying interest at all times, but there are likely cardholders that are unaware of this practice and are being charged interest when they shouldn't be. They are illegally charging cardholders interest by having payments applied to promotional balances that are still within the interest-free time frame. 

Here is the link to the product : https : //www.carecredit.com/mastercard/
Consumer complaint received 2024-02-09
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: U.S. BANCORP (NE)

When I took a debt consolidation loan with USBank part of the agreement was for them to pay XXXX . the cashiers check USBank sent to me for XXXX XXXX was reject by XXXX as a third party check. I ended up sending XXXX a personal check for {$1800.00}. It is my credit that will be affected. I notified USBank that this bill was resolved and to please reimburse me. They are refusing to do so. To make matters worse they sent me another cashiers check made out to XXXX XXXX. They already tried that and was rejected. Why do it again. XXXX XXXX is already settled anyway. Why can't they just reimburse me. It is in contract for them to settle this this account. Do they think they think they get to collect XXXX?
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEMS clearly did not validate this debt because they referred to me as XXXX XXXXXXXX in their response to my most recent communication. This proves they did not Re investigate this account in order to validate this debt. NATIONAL CREDIT SYSTEMS needs to provide proof that I am a XXXX  or delete this account from my consumer report immediately. I have proof in the attached screen shot that they have been reporting the debt of a XXXX which is inaccurate reporting after they claimed this debt had been verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non compliance reporting that has caused me financial and physical harm.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

on XXXX XXXX I made a deposit too my checking account XXXX of {$1100.00} I took {$100.00} out on XX/XX/2023 I took {$120.00} on XX/XX/2023 then I took {$100.00} out on XX/XX/2023 By the policy of the bank a new account will only give you a certain percentage when the deposit is unverifiable checks yet they took {$400.00} more out of the account than they should have I want my {$400.00} back now!!!!!!! It is obvious they owe it too me!!! there is no explanation of where it went they just took it!!!!!
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

SLS is blatantly and repeatedly lying to prevent any communication to attempt to rectify the multiple errors it has created in assuming the administration of my mortgage. 

In attempting to fix the wrong information regarding the covid forbearance I was told a letter was sent regarding it. The letter had nothing to do with the forbearance. When I called to try to find out why SLS lied about this, I was told only 1 supervisor was on staff. Until suddenly another was available, after a 15 minute hold, but the call couldn't be transferred and I would have to wait for a callback. I clearly and repeatedly stated I did not authorize a callback and would not accept one, that the " supervisor '' needed to get on the line. II was ignored. I called again. The " supervisor '' conveniently callled me while I was on the line with SLS, and then suddenly was on " another call '' and so could never actually get on the line. 

I have no tolerance for games and will not be treated in such a way. SLS has no authority to tell me " this is how it's gon na be '' and more importantly has no right to do anything I specifically state is not authorized. It claimed to enter this loan into forbearance without even asking let alone getting permission, but also ignoring the fact that it was already in forbearance. 

SLS has failed at every step and every interaction. This company also fails to follow the law and should be shut down.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

PLEASE REMOVE THESE INQUIREIS OFF MY CREDIT REPORT, I'M A VICTIM OF CREDIT FRAUD. PLEASE REVIEW THE LISTED BELOW : XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.