davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX XXXX XXXX XXXX XXXX deposited a {$3000.00} check i never received account number : XXXX date : XX/XX/XXXX The new account was opened XX/XX/XXXX the ACH Deposit was XX/XX/XXXX i want my refund of {$3000.00}
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (TX)

Debt collector has violated 15 U.S.C 1692e, 1. They didn't state they are a debt collector 2. They didn't give me the option to opt out or stop the messages XXXX XXXX XXXX  We still want to help you. 
Your balance of {$900.00} with Jefferson Capital Systems , LLC ( current creditor of your original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account ) is still outstanding. Let 's change that! 

We have many different options for you to choose from, it all really comes down to which one is a better fit for you. 

If we work together, we can resolve your account in no time! 

TAKE A LOOK This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 

Your XXXX account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

This is a follow up on complaint ID XXXX. Synchrony Banks response to that complaint was to close the account. They have closed the account 10 times since XX/XX/XXXX & reissued the card under a new account #. That does not resolve the issue. As recently as XX/XX/XXXX they allowed a fraudulent charge of {$800.00}. I called them on XX/XX/XXXX in response to a letter from Synchrony Bank, Lowe 's Credit Card. This complaint and the first one is an attempt to stop Synchrony Bank, Lowe 's Credit Card, from enabling these fraudulent changes and charges. This on-going issuance of fraudulent cards and charges since XXXXXX/XX/XXXX is a form of elder abuse as it has cost me time, money and emotional distress. Their response of account closed as their action is not adequate. This cycle must cease!
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SD)

I requested to have my sister added to my deposit accounts at the bank. I called to get their instructions on how to get this accomplished as my sister was driving from her home in Oklahoma to South Dakota for a visit. My husband and myself both have health issues so we need to have a relative who can step in to pay bills should I become incompacitated. My husband had a XXXX and is unable to handle finances. After many calls in XXXX we were able to get her signatures on the accounts. Now Wells Fargo has sent letters and emails..2 of each to her stating they need her job title and she needs to go to a branch to give them that information and sign. They never asked for this information on the 3 trips she made to the bank nor was this information asked for on the form to add her to the accounts. It was explained that she would never be depositing into the accounts as Oklahoma has no banks/branches for Wells Fargo XXXX She would need to again drive XXXX XXXX  to XXXX XXXX XXXX SD to get this done. The personal banker who helped with this did not seem to be trained as she told us to write a letter to get her added and sign it and it would be completed. This was not their process as we found out. Wells Fargo is now stating they will close the accounts in 30 days per the email my sister received on XX/XX/year>. My concern is that both our direct deposits for my husband and my social security deposits along with my husband 's VA Benefits direct deposit would be affected. Since this is time sensitive is it possible to rush this? Thank you.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

On XXXX XXXX XXXX XXXX  I contacted LexisNexis, XXXX, XXXX, and XXXX contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15usc 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information ''. According to 15 usc 1681 ( a ) ( 4 ) - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the COSUMER 'S RIGHT TO PRIVACY '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

About a car XX/XX/2022 and I have never had a late payment though I had a hardship in XX/XX/2022 and contacted Westlake Financial and they gave me a one-time deferred payment and it was due to commence at the end of my payment schedule that was not reported and now it is a problem on top of that the amount I have paid on the vehicles over {$11000.00} and they only have roughly {$3.00}, XXXX reflecting on my credit report as paid the third thing is the {$15000.00} that I put down on the vehicle is not reflected in any kind of payment I don't see it put towards anything I just see everything added up also I was charged for an optional service plan and gap insurance when I clearly stated I did not want it and I did not need it because I had full insurance and it was a unneeded cost and that was a result in the amount of almost {$4000.00} and in closing the final reason is because they have the car priced at {$31000.00} sold at XXXX and my final payment at {$57000.00} all of which the XXXX in the XXXX that I have paid towards the vehicle is not reflected on was like Financial is not only unprofessional they're Rude mean and say very unprofessional things they do not get the job done they will give you every excuse as to why they can't fix their mistake
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

XXXX The bank tellers at XXXX XXXX Citibank refuse to give me my debit card refuse to mail it to me and then they started stealing my money and now when I reported the lady in that bank twice to the fraud people that person continue to get my lawyer and other people to help them steal my money Also the bank teller is stealing a lot of people 's money they know I'm XXXX and refused to allow me access to my account because the bank manager on XXXX XXXX is stealing monies doing this
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (VA)

I contact customer service support for ShellPoint on XX/XX/2024 ( attached information for my account ) to get my PMI removed from mortgage. 

Customer service walked me through how to submit the request via their online portal with a written request and signed ( attached ). I submitted a written and signed request. 

I received a letter from them dated XX/XX/2024 ( attached ) stating " we are working to gather the requested information and will forward it to you as soon as possible. '' The customer service associate told me I should be receiving a package with instructions for them to do a BPO or appraisal so they can understand the value of my house and get the PMI removed. 

I have not gotten anything else in the mail and still waiting and it is XX/XX/2024 today. I am paying PMI on my mortgage for no reason. As my property value has gone up due to remodeling and also market rise in prices, my LTV threshold is now below XXXX or XXXX percent and I quality for PMI removal. They need to remove the PMI from my account and lower my payments.
Consumer complaint received 2024-05-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IL)

IQ data international IN put a collections balance from XXXX XXXX XXXX XXXX on my credit report. I called the company to get more information. I was informed they are using an old rental lease to try to collect a debt from me. i co-signed on a lease for my brother. He signed a new lease in XXXX with the company on his own. I made the IQ Data company aware that i would like to see a current XXXX lease because i did not sign it to prove i am not on the lease. I keep disputing the collections. all my debts are 100 % paid and current and this is the only negative item on my credit report.
Consumer complaint received 2024-05-18
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: TD BANK US HOLDING COMPANY (CA)

Nordstroms rack charged me for an item I never received and didnt do anything to remedy the situation and sent me to collection. The purchase took place XX/XX/2023 for an item in the amount of XXXX dollars which is unbelievably unreal and I was held liable for merchandise I never received.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

I have been trying to get my refund from me closing my account 6 months ago and I still have not received my check for the rest of my money that was in my account when it got closed out chime is not trying to give me my money back
Consumer complaint received 2024-05-18
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 (MD)

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with Wells Fargo and XXXX. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy. ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that Wells Fargo and XXXX operates as a financial institution within the interpretation of this statute, they, alongside the consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report XXXX be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or Wells Fargo and XXXX. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

Additionally, 15 U.S.C. 1681a ( 5 ) forbids consumer reporting agencies from disclosing adverse information older than seven years, further ensuring the protection of consumer rights to privacy. My complaint also highlights a failure in complying with 15 U.S.C. 6802 ( b ) ( c ), which mandates that a financial institution must inform consumers of their right to opt out of nonpublic personal information disclosure. Wells Fargo and XXXX has notably failed to provide such information, denying me the opportunity to exercise my nondisclosure rights. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

In good faith, I submitted an application for the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Got denied an extension of my credit via online response. 
Attempted to rectify a reconsideration on XX/XX/XXXX to receive valuable consideration for my negotiable instrument ( security ) that American Express retained. 
I then applied for the Platinum Card and on XX/XX/XXXX I submitted certified letter USPS mail to Investor Relations making them aware of American Express ' prospectus that relates to a firm offer of credit and XXXX is the offer made to investors. Once I submitted an application and it's securitized, I became an investor according to American Express prospectus. The application is a receivable that it securitized and transferred into the Master Trust and Issuance Trust. In doing so, American Express Bank funds receivables and loans through asset securitization. Through this process, the application ensures enough value to prepay my deposit security accounts.

I know no company wants to participate in fraudulent dealings, hence I requested American Express to do what they said they would for me as an investor. I did not receive any benefit for value given. I requested both securities back via traceable mail if cards were not being issued. 

For reference : XXXX XXXX XXXX Emailed XX/XX/XXXX
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

have had my Capital One credit card since 2012, which as been in good standing. We all have so much to do, and I forgot to make my payment on the due date the XXXX. so I was charged a {$30.00} late fee, and called to see if it could be waved. 

On XX/XX/XXXX I talked to several specialist to see if the late fee could be waved, after all there has not been one on my account. I was told no, so asked to talk to a manager. At XXXX XXXX XXXX I talked to XXXX, they would not provide me his name. He also told me no we can not waive the late fee. 

This is the part that bothers me- he told me that the way the late fees are waved can change from day to day, and even be different at night. I asked what the variables consisted of again he said they change and could not provide that information. 

My question is how is this a fair process, if the variables are not the same for each and every customer? I felt discriminated as someone that may call after me with the same situation would have their fee waived. 

I could understand if there was a procedure in place that said customers are only allowed to waive XXXX late fees in a XXXX month period of time. Something that was in place to treat all customers equally.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MA)

I was alerted on XX/XX/XXXX that there was a hard inquiry done against my credit. It was for TD Bank/target credit card. I never applied for this card so definitely suspected fraud. I put a freeze on my credit and s fraud alert. I called the company and they asked me if my email was outlook, I said no, they asked if the last 4 digits of my phone number was XXXX. I said no and they read off some numbers from a drivers license and I said no that wasn't mine. They said that they would not put the application through and I asked if I could have the number and email they used and they said no, obviously someone has my social security number and I want them investigated. This is wrong.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 informationisinaccurate.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (UT)

I am unable to withdraw from my Credit Karma spend ( checking ) account, with no explanation as to why. The support team said they could see the decline, but could not explain why the declines are happening. They tried offering workarounds ( use the virtual card, wait a few minutes and try again, etc. ) which all either did not work or are not options. I received no notification of the decline for verification ( such as if they declined it for suspected fraud ), no option to verify the payment, and no information in the account portal on the decline. The withdrawal attempts are well within their daily limit of {$5000.00}.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

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 informationisinaccurate.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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