davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Citibank Claim # XXXX In XXXX of 2023 fraud was committed on my Citibank checking account and my account was compromised. Individuals were able to sign me up for 'Wire transfer services " and made a withdrawal of my funds. I received a phone call from Citibank Fraud unit asking me if i made those transactions and i clearly told them no, i also received emails from Citibank regarding the transactions and i replied to the emails stating that i did not make or approved those transactions. I tried numerous times to resolve the matter for a few months now, over the phone and in person at my local branch. The managers at my local branch tried the best they can but they can't seem to get an answer either. My account that was compromised has been locked and the only way I can see an update on the case in to go in person to my local branch and have the manager log into my account. This should've been resolved months ago and Citibank is not doing their part for a customer like myself who has been a client for over 40 years, this has caused a lot of inconvenience as well as pain and suffering. To ad insult to injury, I was advised to open up a new checking account so when the matter gets resolved when my funds are returned they can go into my new checking account, however I receive calls every morning from a similar number as the fraud unit only to collect on Overdraft fees since the new account i was forced to open has XXXX funds in it.
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express card offered a new card ( XXXX XXXX, 2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : American Express XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXXS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IN)

My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX   My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX  of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018  by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to  lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.
Consumer complaint received 2024-01-30
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: WELLS FARGO & COMPANY (SC)

While visiting XXXX on vacation, my phone was stolen on the XXXX  of XX/XX/XXXX. After stealing my phone, the perpetrator was able to gain access to all of my online accounts and drained my checking account, made purchases through multiple apps, and did a {$4000.00} cash advance using my Wells Fargo Visa XXXX XXXX card. On XX/XX/XXXX before leaving XXXX XXXX XXXX home, I had to purchase a used phone and then was able to see all of the damage done. On XX/XX/XXXX after a lot of back and forth with Wells Fargo, they concluded that the claim was valid and made the funds returned to me final in the amount of {$6600.00}. The credit claim of the {$4000.00} cash advance, which is part of the same incident, has still not been resolved however. The departments are separate and that has made this process extremely difficult and time consuming. I have spoken with them multiple times and the claim was not even in their system properly as showing that my phone had been stolen even though they were made aware repeatedly and I have had to fax documents multiple times as well. The said the claim was closed and then it was suppose to have been reopened for review but this never happened either. I have been given multiple case numbers, but the most recent was case number : XXXX. I spoke with someone named XXXX on XX/XX/XXXX who said to fax the documents again to the attention of the online fraud leadership team, which I have done, but I don't have faith it will make a difference and I need help getting this resolved. Also, I reported the incident to the XXXX XXXX at the time it happened and the case number is : XXXX. I have attached the documents that the debit fraud team asked me to send to resolve the claim, which was proof that I had to purchase a new phone while in XXXX. I've also attached the letter from Wells Fargo that the debit fraud claim was approved and reimbursed. Also to note, the nature of the transactions on my account at the time is what helped prove the fraud, as there were multiple attempts at cash withdrawls at the time and the types of transactions were clearly fraud.
Consumer complaint received 2023-11-16
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-19
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)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX DE
Consumer complaint received 2024-01-30
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: LEXISNEXIS (GA)

LexisNexis continues to report inaccurate information. My name is XXXX XXXX there are no other names I am known by. My address is XXXX XXXX XXXX XXXX, GA XXXX this is my only residential and mailing address any other address is inaccurate and not deliverable by the United States Postal Service. As a reseller of consumer information LexisXXXX is required by federal law to maintain accuracy.
Consumer complaint received 2024-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

As a mortgagor sent the check for XXXX XXXX  monthly payment due via the United States Postal Service, two weeks before the payment due date. On the due date, we received communication from the mortgage loan servicer who told us payment had not been received. We immediately arranged to pay the monthly payment electronically which the loan servicer posted that same date. We also arranged and told the servicer that we would be placing a " Stop Payment Order '' on the check that was lost in the mail. The servicer despite our warning about the mailed check received it the day following the due date and attempted to deposit it. Naturally, our bank refused to honor the check. The loan service then imposed a {$50.00} dishonored check fee on us. We dispute the fee and any and all fees or charges related to this transaction. 

Refer to uploaded copy of the letter of XX/XX/2024 sent to the loan servicer.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-08
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc (AL)

I can not figure out who this is or how they got my information they sent a welcome email and there is no way to contact them I want to be opted out and removed from any system, card, etc that is fraudulently put on my credit or issued to me
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL (NJ)

MY CD is up for renewal on XX/XX/XXXX  - I called customer service to inquire about renewal and was quoted 5.3 % for a 9 month renewal. I agreed and asked to process that renewal. I decided to open another CD at that rate and called back XXXX minutes later - and was quoted a rate of 5.13 % - saying that the rates had dropped. I asked about the previous call and was told that I would not get the other initially quoted price - since they had a problem with their system not having been updated. The customer service calls are recorded and my version of this call can be verified. I believe that if a bank customer service representative gives me a rate that should be honored. Otherwise- they can process any percentage after I get off the phone without any accountability. I am asking that the XXXX renewal rate of 5.3 % for XXXX months be honored. 

I am still waiting for a supervisor. Banks need to be honest in their dealings with customers.
Consumer complaint received 2018-05-21
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: Experian Information Solutions Inc. (IL)

I have contacted XXXX and Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX, XXXX.
Consumer complaint received 2024-01-30
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: AXOS FINANCIAL, INC. (FL)

On XX/XX/ I ordered fruits from a farmer using an announcement or advertising in XXXX. A few days passed ( XXXX ) and no delivery of fruits then I go to my bank application ( Axos Bank ) and blocked my Debit card and check my statement, still processing it, and send a fraudulent transaction to the bank account. Then reading the transaction shows a company named " XXXX XXXX' dealing in households merchandise as the payee of my purchase of fruits. Immediately I claimed as fraudulent transaction and still processing the transaction. I wrote an email to XXXX requesting more information about the transaction resulting in blocking my email as today denying me the access and information requested. No products or fruit delivered at all. XXXX charge {$20.00} for nothings. My bank Axos keeps demanding to resolve the issue with the vendor but I am keep telling I couldn't find a way to contact the vendor. 
I am a.client of the bank for 13 years
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

My son made the full payment on the card. and he processed the payment! Then they canceled the account without any explanation! then it was tried on several occasions and it turns out that they want more money and above all they asked me and my potential son negative and they damaged our credit on purpose! It was on the credit no late payments ok now they changed it and put debts that were never paid
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (SC)

this debt collection agency furnished my nonpublic personal information to the consumer reporting agencies without permissible purpose : written instructions of whom the consumer relates and without my prior consent to reach out to me in regards to a debt.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The acts of furnishing my nonpublic personal information without permissible purpose is an invasion of my privacy, damage to my character, my reputation and my livelihood This debt collection agency has no regard to consumer privacy and is in violation of multiple laws 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand this account be deleted without reinsertion CEASE AND DESIST
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (SC)

I have no knowledge of this company & never spoke with them a day in my life. I was told by company my information was sold to them but I was not informed of such thing. Now i have XXXX on my credit for a car I do not own nor have in my possession.
Consumer complaint received 2017-12-17
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. (FL)

Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and derogatory account removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Fraudulent Account : XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act sections 604 605 608 609 610 611 states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX Amount : {$530.00} Inquiries XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (PA)

In the fair debt collection practices act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' credit reporting is an indirect medium that they have chosen to use to communicate with me. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications in which this company did not do. I have told this company to cease communicating with me about the following account XXXX