davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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: CITIBANK, N.A. (CA)

on XX/XX/year> at around XXXX, I went to check out on the XXXX XXXX website to purchase a flight to XXXX. While in checkout I received a promotional advertisement to lower the cost of the flight i was checking out with by {$400.00} if I applied for the AAdvantage Citi Card. 

I applied, and immediately received an approval e-mail that had the last four digits of my account on it but not any way to apply it to the checkout. I called XXXX XXXX and they said it was a Citi issue, and they would probably issue me a temporary card I could use to check out with ( and that would come in 24-48hours ) I called Citi and they said the promotion only works once the card is received in 7-10 business days. I asked if they could give me my temporary card, and they said that would have a limit of {$500.00} on it and would not count towards the promotional credit. I asked if they could give me my full account number, and they said they could not because it was just created and will take 7-10 business days to complete. Citi told me the best option was to wait for the credit card to come in the mail in 7-10 business days and then buy the flight. In 7-10 business days that flight will not be the same price as the advertised promotion I applied for. I even did checkout 20minutes after and the price was completely different. 

Having the promotion at checkout and advertising that applying for the card will save me money on the current flight is false. The terms and conditions when applying say in the {$400.00} statement credit promotion : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. " I was instantly authorized. I did not receive the temp account info and I could not use it during payment for the current eligible XXXX XXXX purchases at time of checkout. 

This is false advertising.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OH)

I have opened numerous complaints with Wells Fargo for the following : - The did not post a payment in a timely manner - Their IVR system indicates that you can pay off a balance over the phone but you can not - The IVR system leads one to believe that you can make several payments in the same day using e IVR but you can not. 
- I called in and asked for an local office and I was given a fax number - Called back and received a number to a Wells Fargo office where I was grilled by the male as to whether I had and account or not when I simple asked if there was physical office in XXXX Ohio - I filed a complaint and hey said they would be in touch via phone but they did not they sent a letter that I was PIF then another letter saying I was still owing money - I called to address my original complaint and asked to have a copy of what was submitted and I was advised that I had to get a court order for the complaint that I submitted! I was denied a copy of the complaint that I opened, does n't seem legal or transparent or right. 
- I filed a complaint about not getting my original complaint copy XXXX and asked for a copy of my loan ageement stating that the same interest daily rate would be charged even even if I was paid 'ahead ' as it sees that as the principle / balance goes down the amount of daily interest should go down as well. 
-Part of original complaint was that the IVR did not advise of fee for making a phone payment nor did he rep who attmepted to take a payment over the phone but the next time I tried making a phone ayment the systemd tried o chage me without prior notice. 
- Filed another complaint XXXX because in order to get to a person you have to excessively listen to the recording and press buttons to try to reach someone once into the IVR - Filed another complaint XXXX because XXXX the supervisor told me that manger calls calls are not recorded so In essence a manager can tell a customer anything then deny it later which seems inappropriate as the phone workers are all recorded why not the mangers calls? 
- Filed a complaint XXXX because not everything in my original complaint was address. Have no clue as to what the person wrote down, if anything else deceptive business practice. 
- Complaint XXXX for sending a letter stating PIF then confusing me by sending another letter stating it was not PIF ... especially since it was dated the very next day! No check and balance. 
At this time I am leaning toward seeking an XXXX advice ( for class action ) on the misleading static daily interest fee, a rep hanging up on me, not advising that MY complaint copy would not be given to me without court order, supervisor calls not being recorded but worker calls are recorded, mis-leading IVR information, mis-leading IVR payment fees, and be given false information regarding local office information.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

12 CFR 1006.34 - Notice for validation of debts. 1006.34 Notice for validation of debts. ( a ) Validation information required ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : 12 CFR 1006.34 - Notice for validation of debts The following laws applies to my consumer report. I demand you cease and desist reporting the false information to my consumer report. I the information you have provided to the CFPB shows unconvincing and insufficient records of this debt.

1. Your agency has the correct spelling of my name 2. The bill does not show the correct spelling of my name 3.You agency has not proven the DOB and SSN belongs to the said consumer 4. The address is not my address which shows on my credit report.

5. The address is not a former address.

6. The collection agency did not send me an informal letter within in 14 days of the debt so I can dispute it and report it as FRAUD.

Please provide the methods your agency used to validate the debt. The information provided is unconvincing and insufficient to show proof the debt belongs to me.
Consumer complaint received 2024-01-26
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: DISCOVER BANK (MN)

XXXX of 2023 I incurred XXXX charges that were to be refunded to me by XXXX XXXX through disputes. Discover bank did not file disputes for the month of XXXX when I called in and requested the action. This was correct by me calling in again at a later date. I found out 120 days had been missed ( XXXX and XXXX XXXX regulations ) This bank mistake caused a loss of XXXX dollars to me. This is a direct mistake by discover disputes department employees and lack of care. I was treated improperly due to the monetary values as discover didnt believe what the customer had to say.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

I traded in a laptop to Apple for {$650.00} - ie, Apple paid me {$650.00} for a laptop. They processed this payment on my Apple Card, which also subtracted {$19.00} in Apple Cash when I was paid for the Trade-in. 

The {$19.00} in Apple Cash should not have been subtracted. I'm owed {$19.00} in Apple cash. 

I initiated a support request. XXXX from Apple Card could not fix the problem, and filed an inquiry with Apple Card on my behalf. 

ALL CUSTOMERS WHO EVER TRADED IN A DEVICE TO APPLE, USING THEIR APPLE CARD ARE OWED APPLE CASH.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MS)

I attempted to make a {$1900.00} payment through Venmo on XX/XX/2023. The transaction was declined. I got an email from both my bank ( XXXX XXXX ) and Venmo letting me know the transaction was declined. I then paid the person who was here doing the work via XXXX. 10 Business days later, on XX/XX/XXXX, Venmo sends me a notice letting me my account is in negative {$1900.00} and is frozen. I filed an incident with Venmo and they just sent me an email stating my claim was " denied '' and now they are calling for the money and I have been put in collections. I also even used my Venmo account after XX/XX/XXXX and it WAS NOT frozen or in negative, so somehow they decided to push the transaction ( below ) through again on XX/XX/XXXX and now state that I owe them {$1900.00}. 

Dispute Case ID XXXX Dispute amount {$1900.00} USD Transaction amount {$1900.00} USD Transaction ID XXXX Transaction Date XX/XX/2023 Payment sent to XXXX XXXX
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (TX)

I took out a {$300.00} payday loan on XX/XX/XXXX with a bi-weekly payment of {$90.00}. 
Total of 12 payments with last payment being {$89.00}. 
The loan was to be paid off on XX/XX/XXXX. 
I reached out to them asking why they were showing another payment to be drafted on XX/XX/XXXX. I was told because I contacted them and skipped a payment on XX/XX/XXXX. 
I do not recall doing this because for the longest time I did not even know how to reach them. 
I looked at my bank account and yes a payment was not drafted on XX/XX/XXXX, which I don't know why I had the money to cover it. 
I fold them okay I would agree to pay 1 more payment on XX/XX/XXXX for the missed one but not 3 more which was almost the original loan amount. That that was a rip off. 
The manager was not very helpful. I told them I had my contact and it shows my account to be paid off on the XX/XX/XXXX that I would not authorize another payment. 
Yesterday when I logged on to there website ( XX/XX/XXXX ) it showed my account as paid in full, however they still drafted a payment of {$90.00} today ( XX/XX/XXXX )
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

Receive a letter from LexisNexis dated XX/XX/XXXX, nice days later on XX/XX/XXXX, indicating they can not authenticate me and asking for additional information that I will not provide because refuse to provide biometric data or private data which they are no entitled. ( ex. passport copy, driver 's license copy, bank account document and other personal private data ). LexisNexis have all the identifiers needed to search and locate my file and with that authenticate me and correct all the incorrect information they keep on my name and sell and propagate to those looking for my information. We have been going back and forth since XXXX, some data has been corrected but a lot remains. 
To show that their claim that they can not authenticate me is no true and contradictory, with my letter of XX/XX/XXXX, I attached a copy of their letter - printed as a templet with their letterhead and logo -- where the authenticate me without any difficulty or issue on : XX/XX/XXXX. I am also in possession in the numerous back and forth communication I had with them in an effort to correct my record, their contact with XXXX, XXXX, and XXXX, where they accessed my file. It is impossible to access my information and at the same time say " they can not authenticate me ''. They have provided my record at time and some other they come up with that " excuse '' trying to obtain more data from me that they do not need. 
LexisNexis is providing excuses to not correct the information. All documentation was provided to you in the previous complaint that was closed.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I need to clarification as to why the credit bureau XXXX, Equifax and XXXX XXXX is reporting certain information on my credit report. Please review the following : Account Name : XXXX XXXX XXXX Account # ending in XXXX Your are reporting this account as open yet you also are reporting a monthly payment and Ive been sent to XXXX XXXX XXXX as a changed off debt collector. Delete this account immediately due to the inaccuracy.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (TX)

Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Upgrade, Inc. (NV)

On XX/XX/year> Upgrade bank which uses XXXX XXXX XXXX suspended my acct for suspicious activity. I was sending out urgent wires. They canceled my wires and I provided them with the bills, contact info of the places I was making payments to, and even the lease agreement for my rental. I also had my son 's birthday which I was planning an event for and showed them his medical records, which have his date of birth, which is XX/XX/XXXX. They kept telling me that a " department '' is reviewing my account but that there was no contact information for that department or way for me to get communication or an update from them. It has now been almost 60 days. My children and I have been evicted and I have had to borrow money for hotels. I have called them daily since XX/XX/XXXX and have sent emails and the representatives keep saying they don't know what to do because the " department '' is reviewing my account. All of my transactions are legit and I have provided them with a lot of information to verify. when I reported them to the FDIC I learned that XXXX XXXXXXXX XXXX tends to suspend accounts and hold funds from their members often without a legit cause. I also read that they have been in a lot of financial problems. All I want is for them to reinstate my account so that I can make urgent housing purchases and then close my account with them. I am very worried that they are trying to keep my funds.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Re : Discrepancies and Errors in Credit Reporting by Experian Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by Experian. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that Experian has been reporting incorrect and outdated information, which has adversely affected my XXXX XXXX and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from Experian, XXXX, and XXXX, which clearly illustrate the discrepancies in Experian 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : Experian 's XXXX XXXX differs significantly from both XXXX and XXXX. Experian 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of Experian 's reporting. 

Outdated Information : Several entries in my Experian credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : Experian reports significantly higher loan and total debt amounts compared to XXXX and XXXX. Experian 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel Experian to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you may require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

Enclosures : Experian Credit Report XXXX Credit Report XXXX Credit Report
Consumer complaint received 2024-01-27
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, Friday, XX/XX/year> at XXXX XXXX, I received a message from Banco de Amrica, arguing that I owe a debt on their company. I currently do not have an ID, I am in the process of being granted asylum before immigration. Subsequently, I went to the agency to report the fraud of the message. Then to the police agency in XXXX, he told me to only block the number that the fraud attempt is feasible. I attach the message sent to my cell phone. 
I attach the message sent to my cell phone : CA EDD ACH created a group in XXXX XXXX with you and 10 other participants. Reply to chat or # help for tool tips. 

Adding this contact card to your contacts will help you identify the group profile. 
D :, XXXX XXXX.. eddpreactiveprocessing.glitch.me
Consumer complaint received 2024-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I realized the morning of XX/XX/2024 that a payment for {$3200.00} had been initiated out of my checking account to a XXXX XXXX XXXX account # ending in XXXX, XXXX Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX in the name of XXXX XXXX. 

I did not set up nor authorize this payment. I immediately went to my local Wells Fargo and requested that this payment be stopped and a fraud investigation be started. Wells Fargo advised me that the payment was pending and that they could not do anything until it posted. The next day, the payment posted. I asked Wells Fargo again to stop the payment and investigate it. On XX/XX/2024 Wells Fargo sent me a letter telling me that they would not investigate the matter farther, that I had in fact initiated the payment. I then went back to Wells Fargo and asked about the transaction. They told me that it was indeed initiated by me from my " location ''. I asked what location that was and they said " my location '' and they were not going to investigate it any farther. The Wells Fargo employee also told me that they were not going to contact XXXX, nor were they going to assist me any farther. The employee at Wells Fargo that I have been dealing with is XXXX XXXX at the Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I did not authorize nor request this payment to be made. As a result of this theft, I have not been able to pay my own personal bills and this has left me with a financial hardship. 

Wells Fargo close my account and issued a new checking account. The old account number is XXXX. I do have a new account number now. 

I have filed a Fraud/theft police case number XXXX with the XXXX XXXX Police Department XXXX XXXX, Records XXXX, Detectives XXXX. 

Even after filing the police report, Wells Fargo has said that they will not assist me in recovering my money.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION (LA)

The company is harassing me through emails and phone calls. I am not authorized to pay this company and they are constantly emailing me for a debt I do not owe. Im tired of being harassed for a debt that my deceased husband owed.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (OH)

Subject : XXXX  Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information