davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capitol One Auto has been harassing me for months about paying back car loan. I have told them many times that I am working with a reduced income and could not afford the high car note of $ XXXXXXXX at one time. 

I have offered to pay down the loan weekly by breaking up the monthly payments into smaller manageable ones and to be paid with my bank card instead of my checking account. That way they would receive their money immediately instead of risking not receiving through my checking account which I already have several auto-pays that are hard to keep up with. I didn't need another one, This was not acceptable as they would rather risk not receiving money through my checking account which in turns increases the risk of being able to add return and late fees to my account. Which has been happening. Not only will they not allow me to pay with my debit card through their bank app, but they also want full payment and if I want to pay with my bank card then I would have to call into their call center and deal with long wait times to complete the transaction. This is stupid as I pay my credit cards with them with my bank card without any long wait times or issues. 

Had they allowed me to make several {$100.00} payments during the week with my bank card through their bank app this account would have been caught up months ago. 

However, that is not the case here. They would rather threaten me with repossession, harass me with multiple daily calls ( including Sundays which I thought was not allowed ) and rack up bank fees in lieu of getting their money immediately, several times a week by simply allowing me to pay with my bank card through their bank app like I do with my credit card with them. Which by the way are paid on time every single month.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I received the letter from Citibank that told me my Citi account will automatically close within 60 days on XX/XX/XXXX. In the letter, it didnt provide any information of why they are closing the account, and they said my funds will be sent to me once the account is closed. The letter also says if I want to get the money sooner than expected, I should visit the local branch or call them. 

Since I have XXXX dollars in my account, and I really need the money to pay my rent, I decided to get my funds quicker. 

However, I visited the branch on XX/XX/XXXX, but the agent told me they could do nothing on the closing accounts and asked me to call the number provided. So on XX/XX/XXXX, I called the Citi number, but they said they could do nothing either and I have to wait for 30 to 60 days before getting my funds back. 

I dont understand why it took them so long to close my accounts and hold my money. Im under emergent situations and need the money to pay for my rents.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX my truck was repossessed. Called the loaning bank and they gave me 12 hours to come up with a payment of XXXX XXXX This was the following day XX/XX/XXXX. I could not come up with the funds. That same day I called later 10 minutes before my 12 hour deadline. They had locked me out of my account and stated that I could do nothing until the vehicle had been processed, and would receive a statement in the mail. I am to wait for that mail. I am at the end of my loan. Only owe XXXX on the remainder of a ballpark XXXX $ loan. I am now struggling to get to work that I desperately need be at to make money as I am an XXXX XXXXXXXX.
Consumer complaint received 2023-08-29
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Two {$5000.00} wire transfers that occurred on XX/XX/2023 Total loss {$10000.00} I originally reached out to Wells Fargo fraud department on XX/XX/XXXX when i noticed my phone was hacked by someone in another state. This person drained my bank accounts fraudulently. I reported this as soon as i was able to get onto my phone as i was being hacked i was unable to use it. I reported every dollar that was stolen from my account. Wells Fargo had me on a roller cycle ride for nearly 2 months. They were reversing funds and moving money between my multiple bank accounts. They made it so confusing i couldnt keep up with whatever they were doing. I repeatedly went to the bank to have a banker help me bc i couldn't get a straight forward answer from anyone in the fraud department. As of today some of my money was returned, but not all of it. They will not give me back the wire transfers of 10k that were done on my account on XX/XX/XXXX. There have been numerous excuses to why i wont receive my stolen money. The last letter sent was that the claim is closed and there is no money to replace what was stolen. They tried accusing me that i authorized someone to go into my accounts and steal my money. At the end of XXXX i received a call from XXXX the case manager from Wells Fargo that the wires were going to be put in my account, but they werent. I reached out through telephone and she tried telling me that there were no funds available to return my money back to me from the wire transfers. This money was stolen from my XXXX  XXXX XXXX XXXX bank account. I told XXXX i closed 3 accounts with them and i will be banking elsewhere bc my money isnt safe in there bank.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

I previously filed a CFPB complaint about this issue. My complaint was supposed to be handled by XXXX XXXX at Truist. XXXX never responded to my complaint. I believe XXXX has violated the 45 day rule. 

Truist applied for a different type of line of credit than what I was told I was being applied for. I showed up with funds to create a secured card. They applied me for something entirely different and they have cause harm to my credit report. 

They have disregarded my first complaint and refused to make corrections to my credit report. Truist refused to communicate with me during this complaint process. They never attempted to resolve the issue. They actively ignored my emails and calls and voicemails. 

XXXX Truist.
Consumer complaint received 2022-09-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  XXXX Account : XXXX
Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

In XXXX, I borrowed {$5500.00} from XXXX XXXX XXXX to take summer classes at XXXXXXXX XXXX  I graduated in XXXX and began paying the loan off. I attended XXXX XXXX XXXXXXXX from XX/XX/XXXX until XX/XX/XXXX. During this time, my loans were in a school deferment and I did not make any payments. I resumed payments in XX/XX/XXXX and have been making payments ever since. I asked them why is it that I have been making payments for nearly 12 years and my balance is STILL more than what I borrowed??? As of this writing, my balance is {$5500.00}! Not to mention that they recently increased my interest rate to 15 % and my statement said it should be paid off in XXXX! This company has continued to engage in fraudulent and deceptive practices even after being held liable in a class action lawsuit. For the life of me, I can not understand how companies like this are allowed to get away with this stuff while the consumer is left victimized. This company still has not told me why my balance has failed to decrease. BEWARE OF PRIVATE STUDENT LOANS.
Consumer complaint received 2023-09-21
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. (MD)

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 information is inaccurate.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

This account was previously with XXXX XXXX, I disputed two inaccurate late payments with them numerous times. Recently, the account was transferred to XXXX and they are reporting the two late payments that are inaccurate.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (AZ)

on XX/XX/XXXX  i received a call from XXXX, when i answered the call i received a recorded message saying no agents were able to assist me, to call back. when i called the number back, i heard someone typing. after saying hello a few times, i received a recorded someone will be with you in a second. the girl then answered the phone and had me verify the number that called me a few times. she could hardly speak english. she asked me to verify my information which i refused, then she tried to get me to read a reference number she gave me back to her. I refused. she told me she found an account based off my phone number, but could not provide any details and had to transfer me. I informed her i was on the national do not call list and asked why she was calling.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno (TX)

XXXX XXXX has stopped providing services to Juno and other XXXX banking firms. This effectively froze all related accounts leaving hundreds of millions of dollars unreachable for over XXXX Americans. I personally have over {$13000.00} locked in what I thought was an FDIC insured checking account. As of writing I have no access to this account and the banks, XXXX and XXXX have not provided a solution to give customers access to their money. 

The XXXX have committed fraud by telling customers their money was FDIC insured but not disclosing that there was a middle man involved managing the money who was not FDIC insured. The XXXX have engaged in deceptive practices.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (AZ)

Allied Collection Services is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted Allied and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Money was taken out of my line of credit by hackers. The bank is claiming that the money that was taken was for my benefit and was given permission by me. This is not true they gained access to my accounts and took XXXX dollars out of my line of credit. I found XXXX in an other account and returned to the bank. They are now stating that I am responsible for XXXX dollars that is still owed on my account. I am at a loss as to what I can further do and have sent notarized letters to the effect that I did not benefit from the money that was taken out
Consumer complaint received 2023-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Yesterday I went to Citizens Bank in XXXXXXXX XXXX to get a mini-statement at the ATM. Instead of a mini-statement, I received a printout stating that my account had been deactivated. My wife and I had made a {$5000.00} deposit the day before so of course I was concerned. I had also linked my company 's XXXX account to the checking account. 
I came home and called the bank and spoke to the branch manager, XXXX XXXX. When I asked her for an explanation she immediately became hostile. In a condescending and aggressive tone, she told me that the {$5000.00} check did not meet XXXX Bank 's standards and that they had therefore deactivated my account and that they would hold on to the {$5000.00} for over a week. When I told her how ridiculous this was ( the check was from our XXXX XXXX account ) she became even more belligerent telling me in front of two tellers and a customer how much money I had in the account. When I asked to have my accounts closed she informed me that it did matter because I only had a few hundred dollars and that Citizen Bank would still hold our {$5000.00} even after I closed the account. 
When we called XXXX XXXX they were baffled. They informed my wife and I that XXXX XXXX was not " holding '' the check. Citizen Bank had cashed the check and debited our XXXX XXXX account. 
So, I closed my accounts at Citizen Bank. And- they now have our {$5000.00} to use however they choose for another week. The branch manager XXXX XXXX yelled my account balance inside the branch with a customer and two tellers in there. That is an invasion of privacy and they are still holding on to my {$5000.00}. We took the same check to a different bank and had no issues.
Consumer complaint received 2023-09-21
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. (CA)

I have submitted a complaint with the three credit bureau well over 30 days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (AR)

As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove from my credit report.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXX  XXXX. Equifax is playing games as Ive already included these documents in my first complaint. This is a total joke. They need to be held accountable for noncompliance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2024-03-21
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: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens bank is modifying my Mortgage. They said that five payments should be skipped because these payments would be moved to the end of the loan. 
So, per their instructions, I didn't make XXXX, XXXX, XXXX, XXXX and XXXX payments ( last year ) Then they reported to the credit bureaus that I didn't make the payments... The truth is they told me NOT to make these payments because the modification would move them to the end of the loan. 
My credit score went to XXXX .. it has always been at XXXX. 
I got screwed .... because now I can't get any credit. Citizens bank messed my finances up BIGTIME. 

Then, to make it worse they FORECLOSURED on my mortgage and on me. Because the foreclosure issues are cited as not making monthly payments. 
Citizens bank told me not to pay.. 
Then they foreclosure ( which is filing a lawsuit against me ) AND CHARGE ME OVER {$20000.00} IN FEES FOR THE FORECLOSURE.! 

HELP!
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.
Consumer complaint received 2024-07-13
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: BARCLAYS BANK DELAWARE (TX)

My credit card company did same balance transfer twice which I never intended nor asked for. So, they charged me the transfer fee twice ( {$200.00} each ). Here are the details. 
XX/XX/XXXX : I applied for a Barclays JetBlue credit online with the intention of a one-time balance transfer of {$4000.00} from my existing XXXX credit card to this new card. I was asked about the details of the balance transfer which I provided promptly. I was told the transfer fee would be {$200.00} which I agreed to. 
XX/XX/XXXX : I acquired the new card online with a credit limit of {$6000.00}. I was asked again about the balance transfer which I provided. 
XX/XX/XXXX : I see two transactions of the same amount {$4000.00} posted in my account. There were two transfer fees of {$200.00} as well. I am stunned. 
XX/XX/XXXX : I called the JetBlue card care, they said they can't cancel it now and I should contact the XXXX credit card department. The XXXX department informs me that they are yet to receive any payment. 
XX/XX/XXXX : I saw both the payments posted in the XXXX account. I called them and they informed me that they can not cancel the payment. 
XX/XX/XXXX : I called the JetBlue department again. They said 1 ) they can't cancel the duplicate transaction, 2 ) they can't even raise a dispute, and 3 ) they can't initiate an inspection only put a note. When I asked them to file a complaint and give me case number, they initially refused. Then, I said I need that for my future steps. They provide me with one but said it is not a dispute complaint nor there is any guarantee that the matter will be resolved. 
I believe the Barclays JetBlue company was not transparent ( or did not provide me indications ) that I am putting in request for duplicate transactions. This is a clear misconduct from their part.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX has 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 a account without my written instructions