davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Four fraudulent charges on my Wells Fargo Visa card ending in XXXX charged at four different XXXX XXXX locations on XXXX XXXX. XXXX XXXX is closed. New card ending in XXXX was issued. 

Fraudulent Charges dates/merchant/amount XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charges were disputed and last letter dated XX/XX/XXXX from Wells Fargo stated charges on your credit card account are valid and appear to be authorized by you. As a result, you are responsible for payment, and your claim has been closed Several calls immediately after this letter to continue to dispute the charges were unsuccessful. I pleaded my case that I am a student living in XXXX XXXX. At the time of these charges I was in XXXX XXXX XXXX. 

Please help reverse these charges. I have never been involved in any fraudulent charges. I am a XXXX XXXX XXXX female student and can not absorb these blatantly fraudulent charges. 

Thank you for any assistance.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I received a notification that there was an inquiry on my TransUnion made on XX/XX/2023. I checked the notification and it was for a XXXX XXXX XXXX XXXX account from XXXX XXXX XXXX. I received an email with further information despite not having signed up for any such account whatsoever.
Consumer complaint received 2023-10-06
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. (GA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: LAW OFFICES OF MICHAEL K. SIPES (CA)

Around XXXX XX/XX/2017 I hear a loud banging of the door of my residence. I peak out my window and do n't notice the XXXX car parked right outside. 
A man keeps banging out my door and now yells if I ( says my full name ) did n't answer that he threatened to call the Sheriff 's Department. *My brother is a witness to this entire incident. 
With fear of possibly being arrested I open my door where a XXXX man in plain clothes with XXXX hair possibly in his XXXX 's hands me what is now a Summons against me that states I am being sued. He does not give me his name or where he was from.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (MI)

I drive for XXXX and once a year they do a background check on us to make sure we are still eligible to XXXX. Well as of XX/XX/XXXX this year mine came up for renewal. At the same time the new XXXX XXXX went in effect. So according to Checkr. It has put the courts behind to produce checkr reports they need. Well I have contacted my county, district and MSP ( ichat ) and up tanned my own report and sent it to checkr and XXXX. Checkr told me that they can not except it from me they need it sent from the company. XXXX told me that they can't except it only from checkr. Checkr is dragging there feet and has cost me a lot of money for not being able to work. I need help
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech is again creating false documentation to overcharge me to facilitate a hardship so that they can foreclose. 

Ditech should be reducing my monthly mortgage payment because my required escrow balance is an overpayment. Yet, Ditech has once again created false documentation raising my note to {$1200.00} instead of lowering it to {$1000.00}. Ditech manufactured a shortfall that does not and will not exist. Ditech withheld projected balances and federal law regulating how low balances are calculated to hide that it owed me a refund of {$790.00} and that my mortgage should be going down and not up. 

I included as evidence of Dtiech 's ongoing bad faith in creating false and misleading documentation to create hardships and falsify my debts and shortfalls. The original XXXX and corrected XXXX and statement due XX/XX/2017 are not issues to be addressed in this complaint. They are evidence of Ditech 's ongoing acts and how they create documents to mislead CFPB.
Consumer complaint received 2023-09-25
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 (CT)

On XX/XX/XXXX  I purchased round trip seats from XXXX XXXX XXXX on JetBlue. My seats were confirmed as XXXX to XXXX and XXXX to XXXX, and paid for at the time. I have confirming email of the purchase and seat selection directly from JetBlue. When I went to check in for the flights, my paid for seats had been changed to XXXX. When I called JetBlue, I was told that 1 ) I would need to pay {$25.00} to resolve this over the phone and 2 ) that I didn't pay for these seats and would have to purchase " even more space '' seats for an additional cost. Rather than argue, I went back online to find that my original seats were no longer available, clearly having been resold. So, I chose seats as close to my original, already-paid-for seats, and paid an addition {$310.00}. 
JetBlue claims that I purchased my tickets and seats through XXXX, and were not guaranteed. This is not the case as all of my flight communications were directly with JetBlueXXXX as evidenced by their email confirmation from JetBlueXXXX not XXXX. 
I sent a letter disputing this. Same response. I contacted the credit card company which noted that I disputed the claims, the issue is resolved, but I disagree with the determination.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

In reference to my previous complaint id # XXXX, I was told that I could go to uXXXX XXXX XXXX and request my funds be released from XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I did this on TXXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX was out of office so I provide verification in the form of my IRS tax account transcripts for XXXX and XXXX tax years which were both filed in XXXX. I provided these through email to XXXX XXXX. I was told I would get a call on FXXXX XXXXXX/XX/XXXX. I never got a call so I went to XXXX XXXX XXXX for info. Branch manager XXXX XXXX was there told me she had reviewed my verification and it looked good but she has to send to XXXX other person who currently wasn't in office and that I would hear from XXXX by end of day on mon XX/XX/XXXX. That never happened. Another concern I have is since my account was closed on XX/XX/XXXX and {$8100.00} was put into a us XXXX XXXX  account where it has been since. That 48 days. If you look at XXXX XXXX XXXX XXXX XXXX XXXX it is a violation of federal banking regulations to hold someone's funds beyond 43 days. I was never told or asked for verification until I filed my complaint with cfpb an even though I have provided rock sold proof from Internal Revenue Service that checks are legitimate and legitimately mine, I can't get a call back or my funds released. I can provide all documentation upon request.
Consumer complaint received 2023-09-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

On XX/XX/2023 I sent a letter in accordance to 1692g of the FDCPA requesting Debt Validation to this company Collection Company Of Athens Reporting to my consumer report, as of XXXX this company has failed to respond to my letter with proper validation of the alleged debt but continues to report to my consumer report. Not only is this illegal but this is a form of extortion. And this sheds a negative light on my creditworthiness, credit standing, credit capacity, character, and general reputation. Here is the tracking info to prove that this letter was sent XXXX.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/23 on the train to XXXX, on my way to work, I received a work email to my phone what appeared to be from my boss. It had his name as the sender. I was on my XXXX  so I didn't see the address that it was coming from. I thought I was corresponding with my boss, who is an attorney. I am fairly new to the firm. He asked me when I was going to be in the office and that he was in a meeting and couldn't talk but that he needed me to call around to see where I can purchase XXXX  gift cards for him. 
He said it was for a client. My boss does represent less fortunate clients so I was thinking maybe they were in XXXX and needed to purchase a phone, I had no idea. I asked him for what client and he responded that he would tell me everything later. I completely thought that I was talking to my boss. Because of the verbiage, I had never doubted that this was him. I went to a XXXX and did what he asked, bought the gift cards, scratched off the back and sent him a picture. All this communication is attached in this complaint. I got to work to find my boss at work. And he confirmed that this was not him. 
It was all done, and nothing I could do at that time. And looking on my computer I could see this wasn't my boss 's address. 
I submitted the emails to XXXX XXXX, XXXX XXXX. They reimbursed me but that was for a short time. I received a letter from them XXXX  XX/XX/23 that they will be taking the $ XXXX my account on Monday and they did. I called again to plea my case and was denied. 
I was completely scammed and taken from these awful people.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2023, I ordered a new Wells Fargo card and in this process they offered a low-rate balance transfer. I provided a sixteen-digit account number from XXXX XXXX XXXX and they did not confirm it but later showed me that it was sent to XXXXXXXX XXXX XXXX I called immediately and said I am not requesting funding go to XXXXXXXX XXXX and they said they did not see any pending and would likely need to be re-processed. XXXX week later the card account showed the balance of {$4600.00} ( the {$4500.00} balance transfer with the {$130.00} balance transfer fee ). I called on XX/XX/2023 and Wells Fargo said contact XXXX XXXX to see how to get it sent back to Wells Fargo but they had no number to contact at XXXXXXXX XXXX. I called XXXXXXXX XXXX as they were on the phone for nearly XXXX minutes attempting to locate this lost funding. 

Wells Fargo should do a much better job verifying where they are sending funding and assisting consumers when a card is not applied correctly as requested. A simple mailing address and verification of the recipient of the funding would go a long way. Obviously, the customer service person from Wells Fargo did not care to hear suggestions for improvement.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (AR)

I, XXXX XXXX XXXX, report identity theft. Found unrecognized XXXXXXXX XXXX  card with {$700.00} balance. Also, unauthorized credit inquiries : XXXX - XXXX XX/XX/2024 XXXX XXXX, CT XXXX  : Mortgage Reporters XXXX XXXXXX/XX/2024 XXXX XXXX, MN XXXX : Finance Companies Have closed unrecognized card, filed police report, and disputed with credit agencies. Request thorough investigation and restoration of credit integrity. Will cooperate fully. Urgent attention appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERIS BANCORP (PA)

I received my XXXX report and noticed a inquiry from Ameris Bancorp on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NY)

XX/XX/XXXX Spending Account Ally Checking account open. 
with Ally Bank {$200.00} Checking Bonus ( XXXX ) XX/XX/XXXX Direct Deposit Future Amount : XXXX ~ Tran : XXXX {$1500.00} Latest date to receive the bonus payout past ( XX/XX/XXXX Was the last day to receive the bonus ) Tried to call/ chat with the bank associate for this matter. 

https : //www.ally.comXXXXXXXX This is the term and conditions Ally Bank is offering a {$200.00} checking bonus ( they call the account a Spending Account ) when you open a new checking account and get at least {$1500.00} in total direct deposits within 90 days.

Heres how to go about doing this bonus : Open your first Spending Account by XX/XX/XXXX. Use code XXXX. Make sure to fund your account within 30 days of opening it. 
Set up one or more direct deposits. Make sure they total at least {$1500.00} within 90 days. 
Youll get the {$200.00} bonus within 30 days of your account receiving {$1500.00} in qualified direct deposits.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I submitted a balance transfer to American Express on XX/XX/2023. They accepted the transfer on XX/XX/2023 and did not apply the credit to my account. I have opened up XXXX disputes with no resolution. They didn't resolve it and closed the disputes instantly. I supplied them with the bank statement that shows the amount removed from my account and they have still not applied credit.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I recently made a purchase on a credit card I have had for many years and maintain for credit purposes. I made the purchase so Bank of America would not close one of my oldest credit cards due to non-use ( it's been a couple of years since I used it ). When I went to pay the balance online I was unable to discern my interest rate from the online account. I believe this alone is a problem. It should not be a maze for a consumer to identify the interest rate for their credit card. I wanted to make sure it was still a low interest rate ( around 9 % ) before I started utilizing the card more regularly. I looked at old notices in the documents section of my online account, and it appeared that it had not increased based on that list of documents. Since I had not utilized the card for a while until recently, I was not yet able to generate an account statement. I called the customer service number to validate my interest rate remained around 9 %. After waiting on hold for 90 minutes, I spoke with a representative that said my interest rate had in fact been increased to around 15 %. I asked whether the company had notified me in writing. She said the bank is allowed to adjust my interest rate. I asked whether the bank had sent me a notice of the change. She said interest rates may be viewed by generating an online statement. I noted that I was not yet able to generate a statement ( my recent purchase was too recent for a statement to have been generated ). She said it would show up in a statement forthcoming. I asked if she agreed then that I had not been notified in advance of this change and she agreed. I asked her to note the content of our conversation in my account notes. I believe that I should have received 45 day advance notification of this interest rate change. Am I correct? If not, could you please explain.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

There is a couple names being reported that is not mine. 
The names that are not mine are the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
My legal and birth name is XXXX XXXX XXXX. 
I've been trying to get these inaccurate names deleted by contacting the reporting agencies, but they failed to do so.
Consumer complaint received 2024-03-15
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. (IL)

In accordance with the fair credit reporting agency act XXXX XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

My complaint is against Target Red Card owned by TD Bank. My issue is how long is is taking to reissue my credit after making payment. I have never been late nor even had to pay interest. On one of the payments they even took it from wrong bank account after which I had corrected new bank account online with them and received a notice that new bank acct was entered. Every time I make my payment it is taking almost a month to receive credit limit back. I literally have to call and speak to a bunch of supervisors before anything is done and even then it still takes 5 more days. This is ridiculous and illegal. It states in their policy that credit will be issued two days after a payment and if late etc can take 5 days at the max not a month. I have taken screen shots of all payments when they are posted and also shows the credit still not issued back. Also have screenshots of bank acct as to when they received the payment. Please contact them and make sure they are following all rules I should not have to call every month to receive credit limit back after payment has long been made and cleared bank acct.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/23. XXXX responded to my request to freeze and delete my file they have on me. 
They say, As of the date of this letter XX/XX/23, the disputed information my bankruptcy was removed from your file with XXXX. 

I then disputed my Bankruptcy XXXX XXXX with Experian and on XX/XX/23 Experian claims that XXXX certified to Experian that the information is accurate. 

Now how can XXXX certify that information is accurate on XX/XX/23 when XXXX deleted it on XX/XX/23. They cant. 
I challenge the certification, accuracy, verification on the account Bankruptcy XXXX. 
After reviewing this information, once my Bankruptcy can not be verified I want it deleted immediately from my Experian Credit report!!
Consumer complaint received 2023-04-17
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: Diverse Funding Associates LLC (TX)

I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
Consumer complaint received 2023-11-28
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: SANTANDER HOLDINGS USA, INC. (KS)

XXXX, XXXX, XXXX, and previous months.. I have submitted my disputes, requested the investigations, called the agencies to speak with real people. My requests have been ignored. My rights and privacy has been violated and disrespected. My character and reputation have been discriminated against. I have suffered from reciieving credit I deserve, for both personal and business benefits. My family has suffered as well, being denied the financial stability for everyday living. I have been denied auto financing, credit cards and business funding. I have also reported these issues with the CFPB, XXXX, and attorney general. Nothing has been done to ensure that my family and my rights be honored. I have been more that patient with this process and have endured far too much stress and hardship. I am requesting the attention that this matter deserves, I can't provide for my family this way, and that is unacceptable.