davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

I received a text message at XXXX on XX/XX/year> alerting me that my account had fraudulent activity from XXXX. I was immediately called by the number XXXX ( which is Chimes official number ). 

The scam representative told me that my account was going to be put on hold and that I needed to transfer XXXX dollars from my savings to my checking account and that they need to send that money to their supervisor in order for my account to not be compromised. 

Immediately after sending the money they disconnected the phone call and I realized I was a victim of fraud. 

I called Chimes official number at XXXX and explained the situation. They opened up a dispute and said that while they are investigating that they will be putting XXXX dollars back into my account. I then got an email at XXXX saying my claim was closed and no funds would be credited. 

I immediately called Chime and asked to speak to a supervisor and they told me " they have to be firm with me and they are disconnecting the call ''. The supervisor then hung up on me. 

I called back at XXXX and said I was a victim of fraud and need that money back and the representative then told me they are re opening the investigation and that XXXX dollars will be deposited into my account within XXXX business days.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HILLTOP HOLDINGS, INC (TX)

As of XXXX of 2024, my debit card has been compromised over 5 times since XXXX of this year. I know that the problem lies within this bank institution. One other major problem, I had a personal credit card that was also compromised almost within a week of my debit card also being compromised. I paid off the credit card in XXXX and about XXXX months later my credit card was compromised. I say it was this banking institution because they had to pay the card from my checking account which was linked to the bank. The credit card was linked to my checking account and the bank was the one who had to make the final payment to the credit card. There was no one else with access to this credit card except this financial institution. 
The debit card problem ( compromised ) occurred several times last year. I am going to the bank on Monday the XXXX, to see what they can tell me. I have tried talking to their security team who called me and told me about my debit card compromised. They explained they can't tell me where the problem originated from. 

I don't know how you can help! But I have to try and hopefully protect others.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Companies XXXX XXXX XXXX account # XXXX And total XXXX XXXX XXXX account # XXXX I requested 1099-c from these companies and previously disputed these accounts with XXXX XXXX XXXX Experian problem has not been resolved charge offs are considered income and income is not to be reported to consumer credit report 15 usc 1681 e ( b ) maximum possible accuracy 15 usc 1681 b ( a ) 2 permissible purpose of consumer reports
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (FL)

After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They could not provide me with the following information : 1. Name and address of the original creditor 2. The amount of the alleged debt 3. Itemized statement of the alleged debt 4. Proof that they are authorized to collect this debt on behalf of the creditor. 
Verification of debt is within the statute of limitations. 
I called each of these places and they could not give me any of the above information. These accounts have the wrong information. Under 15 USC 1692g FCRA law doesn't allow collection agencies to report incorrect information. This needs to be deleted as soon as possible.
Consumer complaint received 2024-07-09
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC (OH)

I purchased my home late XXXX of 2024, and started paying mortgage payments in XXXX. I have paid my mortgage payment every month but my mortgage company, Amerihome Mortgage Company, will not receive my payments. I pay the amount every month on the first and then I get an email that states thank you for your payment then for the rest of the month I get calls from the mortgage company saying I have never made a payment at all and the payment has been rejected. I have called my bank and they say it has nothing to do with them. They are now threatening foreclosure and wont do anything to help me. Ive given them my bank routing numbers multiple times and I have spent many hours on the phone with them and nothing ever gets resolved. Ive done research on this company on XXXX and there are hundreds of people dealing with this same issue.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (NJ)

I noticed multiple " late payments '' were reported to XXXX by University Accounting Service ( UAS ). The account history showed 30 days late in XX/XX/XXXX then 60 days late in XX/XX/XXXX. It was marked as paid in full XX/XX/XXXX. So they are essentially claiming I missed the final payment. My federal loans were paid off in XXXX as shown by my other installment accounts within my credit history. 

Upon attempting to contact the company for information they were unable to pull up any account under my name, SSN, nor phone number. At this point I contacted XXXX to dispute the claim. The dispute led to " updated '' account details that now showed late payments in XXXX and XXXX of XXXX. Paid off in XX/XX/XXXX. 

None of this makes sense as I've never dealt with this company and it appears they are targeting me without reason nor information. I contacted them again to hear they still could not lookup my account.
Consumer complaint received 2024-07-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX, I paid off the balance of my credit card and cancelled automatic payments. On XX/XX/XXXX and XX/XX/XXXX they took the automatic payment anyways. On XX/XX/XXXX, I sent an email and I was told they would send me a check and cancelled the automatic payment Message ID : XXXX On XX/XX/XXXX they once again took an automatic payment when I have a XXXX  balance and was told automatic payments were cancelled. This is fraudulent and they should be forced to make restitution.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

My identity was stolen in XXXX, and certain accounts were opened in my name. One was with XXXX in which they have cleared, and one was with Citibank, in which they will not clear, and saying that I opened the account! I have gone in to the branch repeatedly and have called, and basically have gotten nowhere with them. I did not open any of these accounts!
Consumer complaint received 2024-07-09
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: DISCOVER BANK (NH)

I was only given 6 months instead of 15 months 0 % APR for new purchases. Even though the online promotion I applied for stated ( after clicking + important information ) " 0 % intro APR for 15 months form date of account opening. After the intro APR expires, your APR will be XXXX  % to XXXX % based on your creditworthiness. This APR will vary with the market based on the Prime Rate ''. 

I believe this to be false advertisement/deceptive marketing and poor business regardless of the contract that was mailed after I was " approved '' online for the promotion that I applied for. 

This is a reputable credit card company and I have applied for other cards with similar promotions and have been given the exact terms that were advertised on their site. 

I explained to them that if there were a variable term for the 0 % APR intro, it should state something like " 0 % intro APR for UP TO 15 months '' or " based on credit worthiness '' in the same paragraph as the statement that says the intro is for 15 months. 

Nowhere in the advertisement or fine print does it state that the intro term could vary. They only mention, in a separate paragraph, that, AFTER the into APR expires, they will assess APR based on credit worthiness. 

So after I was " approved '' online and received my card, I started using my card without realizing that they only approved me for 6 months. 

Now I have paid hundreds in interest. Had I known this, I would have used a different card for new purchases. 

I have been calling them monthly trying to get this squared away and even the managers have been puzzled once I point out how this is stated on their site- they can see that this isn't worded accurately and signifies false advertisement. 

I have also filed a report to the XXXX  and am hopeful that they or CFPB can help me with this issue. 

I appreciate your time.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : # XXXX, Account name : # XXXX, has violated my rights. 
I looked at my Experian credit report on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. I submitted a dispute with Experian on the same date and my results from report number # XXXX according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I was offered a loan to pay for this car monthly in 2019. Although, I made a down payment I did not give permission to this company to add this on my credit. By law they need my permission to add anything on my credit report from law FCRA section 605 ( b ).
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

. I am writing to formally address several concerns regarding my Best Buy Citi Card account for the second time, which have not been adequately resolved despite previous attempts to seek clarification. 

1. **Account Closure Without Proper Explanation : ** I received notification that my Best Buy Citi Card account has been closed. This action was taken without any prior warning or explanation provided. I have been a responsible cardholder and have diligently maintained my account in good standing. The abrupt closure of my account has caused significant inconvenience and confusion. 

2. **Unexplained Fees : ** I have recently noticed several charges on my account statement labeled as Interest charges for XXXX purchases. I have not used this card in months but have been charged over XXXX worth of interest charges in the last 5 months. These fees have been applied without any accompanying explanation or breakdown as to their nature or justification. I request a detailed clarification regarding these charges. 

3. **Handling of Dispute Regarding XXXX XXXX XXXX  Transaction : ** I filed a dispute previously concerning a charge from XXXX XXXX XXXX. This charge was supposed to be covered under an insurance claim and should not have been billed to my account. Despite providing supporting documentation, Best Buy Citi Card investigated and denied my dispute, withholding the provisional credit associated with the transaction. This action was unjustified and adversely affected my access to funds. 

4. **Allegations of Retaliation and Discrimination : ** I am concerned that the closure of my account and the mishandling of my dispute may be retaliatory in nature, stemming from a prior complaint I filed with the Consumer Financial Protection Bureau ( CFPB ). I assert that such actions violate my rights under consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ). 

In light of the above concerns, I hereby request the following actions : - A detailed written explanation regarding the closure of my Best Buy Citi Card account. 
- A comprehensive breakdown and justification for the fees charged to my account. 
- Immediate resolution of the dispute regarding the XXXXXXXX XXXX XXXX  transaction, including the release of any withheld provisional credit. 

I trust that Best Buy Citi Card will handle this matter promptly and in accordance with applicable laws and regulations. Please provide a written response addressing the points raised within 30 days of receipt of this letter. 

Should this matter not be resolved satisfactorily, I reserve the right to pursue further action through the appropriate channels, including but not limited to legal remedies and additional complaints to regulatory authorities. 

XXXX XXXX
Consumer complaint received 2024-07-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

Amount stated to be due is incorrect. I was sued for non-payment after my online account was closed as retaliation for putting them on the news regarding a live bat in my apartment. I have emails as proof I tried to resolve prior to taking things to court and payment was made thru the court while waiting for the dates. The entire ordeal was handled unprofessionally and again as retaliation for reporting them. The amount owed is incorrect.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (IL)

Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FAX ( XXXX ) XXXX To Whom It May Concern I am writing you to put a security freeze on my credit report. Under the fair credit report act youre required to comply. My information clearly shown below
Consumer complaint received 2023-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already submitted a complaint ( XXXX ) - The reporting agency ( Transunion ) has requested that I send in several documents to confirm my identity and my address. I have requested that all information on how the debt was validated and process to confirm the debt be sent to the address that is on file. On XX/XX/2023 I emailed XXXX with the file number and have received no response to my request. This seems to be a stalling tactic by Transunion and the debt collector, and I feel that ample time has been permitted to have these negative line items permanently removed from my credit file.
Consumer complaint received 2024-05-22
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

I haven't received a card for my newly opened account in the mail, it's been close to a month. This is my second time calling in concerning the card. It's well passed the due date. Someone on the other end of the call collected my checking account info and then hung up. I called back and politely voiced my concerns, especially sense my card has never come I've become more suspicious. I remained polite, while the person on the other end of the phone proceeded to talk over me and let me know that the calls were meant to be resolved in XXXX mins. I asked was this the normal procedure when someone was trying to make a complaint and if I could speak to a supervisor politely. After a hold and being further informed that it was Friday and that the supervisor was busy... I never got to speak with a supervisor. I had to ask about the complaint process and normal procedures etc... Usually the processes and procedures available to you are presented and explained if needed, I thought anyway. I just want to be sure no fraud is involved concerning my card/account. Id like to be sure of who I was talking to, the times and dates and names of employees so that In the event of fraud etc... Someone can be held accountable. I'm not accusing. My card still hasn't come, I thought the employees I spoke to would understand my concern or the fact that I'm just trying to be safe. I thought I had a legit concern, plz do correct me if I was wrong. Either way when I call, I would like to feel like a valued costumer and that my accounts are safe. Not to be hung up on and not taken seriously. I didn't realize that calls were meant to remain under five mins but if you just explain the process and procedures and not keep me on hold, hoping I would just hang up, the call would probably go a lot smoother. Could've saved us all a lot of time. Thank you for listening. I hope to find out what happened to my card and how often this happens.