davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit card — Store credit 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. (NY)

I have a Costco credit card that I used primarily to buy from Costco and once in a while shop in other places. In XXXX I noticed a couple of fraudulent charges that summed up to {$860.00}. I called and disputed the charges right away. Few months later Costco sent me a letter that they closed the dispute and can not credit my account for the fraudulent charges because " The card 's XXXX chip was used to make the disputed transactions, so they don't consider the charges fraudulent activity. '' I have explained to them multiple times that I do not make purchases with the type of merchants and do not buy the type of products. Yes, my card is physically with me XXXX. I did not make the purchase and have never entered the stores where the purchases where made in XXXX.
Consumer complaint received 2024-06-05
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. (UT)

I reviewed my credit report and noticed an account for Home Depot that I did not recognize. I contacted Citibank, and they referred me back to Home Depot. After speaking with Home Depot, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IA)

XXXX informed us of a fraud situation. 
They resolved that issue, informed us and for some reason sent us a check for {$98.00}. 
We cashed that and sent them a check for that same account- which they finally acknowledged receiving ( we have a copy of that letter ) The charge card had not been used for an extended period before the above events. 
We now get a monthly bill for fees We have talked to several people at XXXX but those conversations did not stop the monthly fee charge. 
They also say they can not cancel the card because od the outstanding balance Help! 
Regards XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the 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 without 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 informationisinaccurate.
Consumer complaint received 2024-06-05
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I booked a trip on XXXX XXXX XXXX XXXX, XXXX XXXX, but right after I paid, I realized that Ive put the wrong dates by mistake I was very worried because I did see the non-refundable policy from this property on the detail page. And I also checked the correct dates were actually not available to book, so there was no way to ask for a modification of my booking. Since it was midnight and no XXXX customer agents were available at that time, I only had to contact XXXX  credit card customer service to ask if there was anything they could do to help me with this case. 

The agent on the call, the agent assured me that in this case, I could wait a few days for the pending charge to be posted, and cancel the service and submit a dispute, and eventually get money back with XXXX help. I was hopeful from what the agent told me, so I did what she told me to do, saw the pending charge posted on XX/XX/XXXX, canceled the stay with XXXX the same day, tried to work with them to get the dates modified or get the full refund but all failed. So I submitted a dispute, hoping to get my money back through my bank. After waiting for a few months, I got a rejection from XXXX for my dispute. I called XXXX customer service again to explain what happened and what the previous agent promised me. The new agent asked me to re-open the dispute by submitting supporting documents, which I did what she said. The case was re-opened but I was not being contacted or notified for the final results. I have been tracking the dispute process on my app though for a few months, and no updates until recently, the case was closed quietly. No notification, no contact from the bank, it secretly closed. And of course, I did not get my money back or even get an explanation. 

Since I did not actually stay at the property, I believe they did not have any losses due to this however, I lost {$XXXX} for nothing. XXXX it was caused by my own mistake in the first place, but I acted very quickly to try to correct the mistake, although the policy was too strict for me to do so. Moreover, what the first agent told me made me feel confident to get my money back with XXXX help, which turned out to be not, which is very frustrating : (. And the fact that no communication afterward is also frustrating. I hope XXXX  can help me get my money back as I indeed did not use the service at all. 

Also I was unfortunately impacted by a mass layoff in XX/XX/XXXX, and not yet found a job due to the harsh market. {$XXXX} bucks would really mean a lot to me at this challenging time. I sincerely appreciate it.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

I have a mortgage with Wells Fargo Bank. I switched my home insurance to XXXX on XX/XX/XXXX and it was paid out of my escrow account. I just received a letter that the bank had paid another home insurance company {$4600.00} on XX/XX/XXXX and added that to my mortgage since my escrow is now depleted. This other company was not authorized by me, I never signed anything giving them permission to be my home insurance company. 
The bank now tells me its on me to collect the money back from the other insurance company. 
I am saying its fraud they stole my money from my account and payed a bill without my authority. 
I ask the bank to please put my money back they made the error not me, they should have seen I had just paid for insurance on XX/XX/XXXX why would I buy it again on XX/XX/XXXX at double the price. Plus my original insurance is effective to XX/XX/XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was originally denied this claim by Bank of America, I have reopened it and I have also filed a police report regarding these charges Claim id XXXX Police case report number : XXXX I originally filed my claim on XX/XX/XXXX and was denied I have now reopened it. This ( as a client for 15 years ) and aside from the past few months no claims at all is unacceptable
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

So I was using a site called XXXX, and one day I noticed a lot of transactions were made on my chase debit card, I must have saved the card information on the site by accident, so I quickly tried to log back into the site to check just to find out that my account was hacked, the hacker changed emails, password that is associated with the account, I contacted XXXX  support to get my account back but they took pretty long to help and unfortunately they cant give me a refund, so I contacted chase to dispute the transactions. And as soon as I got the account back, I got hack again and this time they charge my debit almost 50 times in one night, this is when I know the whole site is just a scam, I should've realize faster because of how much fraud alert I'm getting when trying to buy stuff from the site. I quickly call my bank to dispute the charges and get a new card, I just don't know if chase can win the dispute for me.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I have a savings account with U.S BANK in XXXX Ca and yesterday I went to deposit a check I received from XXXX XXXX XXXX to clear the negative status of XXXX. I went into that bank branch at XXXX XXXX XXXX XXXX ca around XXXX ish on XX/XX/year>. A bank teller processed my transaction and said I have XXXX available after clearing my negative balance of XXXX she also told me that I would have access to the rest of my funds of XXXX tomorrow which is XX/XX/XXXX XXXX when I called the customer service number for us bank and followed the prompts I was given a NEGATIVE BALANCE OF XXXX as of today. I called customer service to see why am I negative when I had a postitve balance and no one can tell me why. I ask to speak to a supervisor and i was told no manager wanted to speak with me nor take my call several times today and to go into the bank branch. they bank is over charging me XXXX dollars for no reason. XXXX rep told me the money wasn't available to take out and i said it was by the bank teller and if not then how was i able to obtain funds out of my account that has no overdraft protection. US bank is trying to be sneaky and by saying I'm negative when I'm not making me put extra money into my account when i know i am not negative. Also US BANK put an old closed account that was open in my maiden name onto my married new last name and that is illegal.
Consumer complaint received 2024-06-04
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: Mercury Financial Intermediate LLC (OH)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, XXXX  XXXX  Dear XXXX XXXX XXXXMERCURY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Ohio Revised Code Section 2913.49. 

It has unequivocally come to my attention that XXXX XXXX T/MERCURY has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Section 2913.49 of the Ohio Revised Code, underscores the severity of unauthorized access and misuse of personal information. This statute establishes clear guidelines and consequences for identity fraud, emphasizing the protection of consumer information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXXMERCURY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXXMERCURY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Ohio state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXXMERCURY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DIGITAL FEDERAL CREDIT UNION (PA)

On XX/XX/2024, I contacted Digital Credit Union regarding the charge off credit card for {$5900.00}. I was informed that my account was closed and they will not conduct an investigation to validate my request. When I pulled my XXXX credit report, I noticed that the account is reporting as open. As per the Fair Debt Collection Practices Act, the account with the incorrect status should be removed according to The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Billing Act ( FCBA ).
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (KY)

On XX/XX/year> I made a payment to my Citibank account through the mobile banking app. I wanted to make a payment of {$80.00}, but on the app two options were somehow selected. The " make a custom payment '' option and the " pay the remaining balance '' option, I deselected the " pay the remaining balance option '' and continued thinking that my " make a custom payment '' option would go through. The {$80.00} payment did not occur and I instead unintentionally paid off the remaining balance of this credit card, which I did not want to do. I immediately called Citibank and let them know my mistake and was told that this would be corrected and that the overpayment would be returned to me so I could make the correct payment. What happened instead is Citibank deciding to close my account after an honest mistake that I attempted to correct. I was not contacted about this closure and only learned it after attempting to make a second payment on my credit card on XX/XX/year>. I contacted Citibank and was told that I should have received a letter, but I have not. I would not expect to receive a letter since I've signed up for paperless billing anyway. A representative directed me to the letters and statement portion on the Citibank website, this section of the website also did not contain a letter with the reasoning for my account closure. I only learned of my account closure over a phone call with a representative. I am a young adult and this random account closure will have lasting affects on my credit score. If I had known that asking for the overpayment to be returned would have resulted in my account being closed, I would have just allowed the overpayment to go through and paid off my credit card to avoid an account closure.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I previously disputed this matter with Capital One. I have received calls and letters from Third party reporting companies with inaccurate information. This has caused a negative impact on my credit report. I have been harassed with phone calls after asking not to be contacted. I am not liable for the debt owed to this company. I do not have a signed contract or agreement with this company.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WV)

Department of Education/Nelet IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to Certified XXXX Audits I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CO)

This company is wrought with shady business practices. I do not have a collections report but one was made in my name. My identity was stolen and used to purchase {$100.00} of something I dont understand. I never made this purchase to a small company in XXXX, TX. I have not lived there in over 4 years yet this went on my credit report on XX/XX/2023. My debit and credit cards are fine though I am not sure why this has been the only thing bought under my name. IC system has been trying to get me to pay them {$110.00} I do not owe them. I refuse to pay and my credit score is suffering horribly. I dont know what to do.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 data is inaccurate.
Consumer complaint received 2017-12-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (CA)

I contacted this collection agency back in XXXX/ XXXX/ 2017 regarding the validity of this account. According to my FCRA & FDCPA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.