davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I had a credit card with TD Bank. I closed the account in XXXX, XXXX. I kept receiving statements and then a new card in XXXX, XXXX. Each time I called and was told the account was closed. In XXXX, XXXX I received a statement with a balance due. I was unable to call the bank due to their non-functioning callback system, so I went to my local branch. Again, I was told the account was closed. HOWEVER, they insisted that their original terms of service stated that they would keep accepting charges to the account EVEN when it was 'closed ', and there was nothing I could do to stop them. I asked how long they expected to continue accepting charges, and they said 'forever '.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 I noticed charges from a company XXXX XXXX XXXX dating back to late XXXX and upon checking realized I did not have a relationship with this merchant, nor had I authorized any charges. I immediately froze my account, and called chase to begin the dispute process. After having to open 7 disputes ( because of the amount of transactions and their system not allowing all to be in one ) 6 of the disputes were closed in less than 24 hours before I could provide any evidence to support my claim. Later the last was closed as well, none in my favor. I called chase on 6 occasions speaking to 11 people. There was 0 consistency as to why the dispute was denied. Finally, after asking several times, I was connected to a domestic supervisor who was able to explain that because I didnt report them quicker ( even though you have 60 days and I was within this window ) that this was somehow my fault and thats why the disputes were denied. They didnt take into consideration a police report, email from the merchant confirming no account was affiliated with my email or name, and an email from Chase informing me that my information was part of a data breach. I was also informed at one point that Crypto purchases are not protected and at no point was this disclosed to me, nor is it in Chases deposit agreement.
Consumer complaint received 2023-09-05
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WY)

Citibank N.A. sold my credit card debt of {$1800.00} to a third party, XXXX XXXX XXXX ( XXXX ) and charged off my account on XX/XX/XXXX. On XX/XX/XXXX, I entered into a settlement agreement with XXXX for {$830.00}, I paid off the agreement and XXXX removed their entry from my credit report. I have since disputed Citibank 's entry with the credit bureaus multiple times and Citibank keeps providing false information to the bureaus that my debt still has an outstanding balance of {$1800.00}. I have tried to call to Citibank, most recently XX/XX/XXXX, and their phone system will not allow me to talk to anyone because the account has been sold. I have written Citibank a letter through the US mail on XX/XX/XXXX and they have not responded.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

I am writing to file a formal complaint against Citibank regarding their XXXX XXXX XXXX XXXX. I opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with Citibank, enticed by the offer 's terms clearly stating, " Your XXXX XXXX  bonus miles will be credited to your XXXX account within 30 calendar days from the date you complete all Required Activities. '' I meticulously ensured that I fulfilled all the stipulated requirements for this offer. To further validate my eligibility, I contacted Citibank 's customer representatives on two separate occasions, both of which confirmed that I had indeed satisfied the necessary criteria. 

However, to my utter dismay, Citibank 's XXXX XXXX subsequently sent me an official letter contradicting the terms of the promotion. The letter stated, " Fulfillment of the promotional offer is made systematically ; therefore, you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive. '' This abrupt change in the timeline for awarding the bonus miles is wholly unacceptable. The initial terms were unequivocal in their commitment to posting the miles within 30 calendar days after completing the requirements. Citibank 's failure to adhere to their own stipulated conditions has caused considerable frustration and disappointment. 

I kindly request the CFPB intervention to address this matter promptly and ensure that Citibank honors the original terms of their XXXX XXXX XXXX XXXX If Citibank can not adhere to the originally promised timeline, I expect them to compensate me appropriately for the inconvenience and deviation from the agreed-upon terms. 

Thank you CFPB for your continued commitment to safeguarding consumer rights and fair banking practices, and I look forward to your response.
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I lived at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina from XX/XX/XXXX to XX/XX/XXXX and paid my Rent of {$810.00} per month for the 2 Bedrooms 2 Baths to date. The Apartment manager charged me a " 1 month Rent of {$810.00} Refundable deposit '' before I moved in, with the promise that they are going to give me that money back when I move out which never happened.

Surprising after withholding my deposit when I moved out, they still had the order-city to put some unauthorized charges amounting to {$1500.00} on me and gave me to a collection agency called National Credit Systems who have been harassing and damaging my Credit for almost five years now. I do not owe anything to pay to the Apartment company, they rather owe me my deposit Refund of {$810.00} Therefore, I would appreciate you contacting this Collection agency on ( tel. XXXX ) or on any other means for them to remove the {$1500.00} debt from my credit as soon as possible.
Consumer complaint received 2024-04-24
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: U.S. BANCORP (CA)

This dispute is in reference to the XXXX charges totaling XXXX that need to be reversed. I have provided more than enough information proving my case and I have nit received a copy of my certification which are the services I paid for. I am making a.complaint again because this complaint was not resolved fairly and it needs to be properly investigated as I sent 35 pages of information proving that the services I paid for I was not able to obtain and Im befuddled that my credit card company did not review any of my data because if they did my charges would be reversed. The charges are from march XXXX XXXX and the school is XXXX.
Consumer complaint received 2023-09-28
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-24
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: TD BANK US HOLDING COMPANY (MI)

Hard inquiries issues On XX/XX/2023 I got a car loan from XXXX XXXX XXXX to purchase a car. On that same day I had 7 other hard inquiries. 

Consumer protection bureau stated that, within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other lenders realize that you are only going to buy one home/car. 

I have seven hard inquiries from : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please look into this as I wish to have these go one one hard inquiry that was approved by XXXX XXXX XXXX XXXX XXXX 

Any help will be greatly appreciated. 

Thank you.
Consumer complaint received 2023-11-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (NY)

I opened a CD online on XX/XX/23 with Citibank and selected for {$65000.00} to be transferred from my checking account to fund the CD. A few days later, I noticed that the funds were not transferred so I called customer service. I was told that the funds would be automatically transferred within the next 2 days. As of yesterday, it was not transferred, and the system did not allow me to move the funds online. I went to a branch to inquire, and the teller processed the transfer and provided a receipt. I confirmed that the funds were deposited in my CD account as I was able to view the balance online. Today, I logged in and the funds are missing. I called customer service and all I heard was that the funds were withdrawn, and the system is not showing a deposit to the CD account. I have a receipt from the branch, and no one seems to be able to figure out what's going on. Please assist.
Consumer complaint received 2023-09-28
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (NV)

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing. 

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, Equifax, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out. 

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information.
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
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: Fay Servicing, LLC (GA)

Trying to refinance, it shows on my XXXX, that I have a 30 day late for the month of XXXX. Mortgage statement and my bank statement shows that I was not late. Ask if they could please remove it, stated that because of the bankruptcy, my ex-husband filed, I DID NOT FILE, that payments are posted to my account in a process of bankruptcy decision when they want.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I booked tickets with XXXX XXXX XXXX. The airline canceled my flight because of the Covid 19. There were 2 charges for {$220.00} each, total amount XXXX. I disputed the charges. On XX/XX/20 I received a letter from the bank that a credit was issued on my account for {$220.00} x 2. The amount of credit I received on XX/XX/20 was {$220.00} and {$73.00}, not the full amount that the letter indicates. The dispute was ruled not in my favor and the credit card company is asking for the money back. They are asking for the full amount, ( {$220.00} x 2 ), not the amount I received ( {$220.00} and {$73.00} ). They are trying to collect the difference {$140.00} which I do not owe to them. I made at least 4 calls to the credit card company, the agents that I speak with see the issue but the charge is not being removed. One of the agents name is XXXX, id XXXX. I have nothing in writing from the bank that the issue is being addressed.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Reporting act Convergent accounts name has violated my right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LAKE MICHIGAN CREDIT UNION (MI)

See complaint ID XXXX I submitted last month. 

XXXX says that the account went negative on XX/XX/23 and the loan was finalized on XX/XX/23 and they " respecfully disagree '' that any conversation regarding adding the negative amount on to the loan took place. That was it. THIS IS WHAT THE WHOLE COMPLAINT IS BASED OFF OF. 

They have still withheld which employee it was that gave me false information. They also have no produced any phone records that would CLEARLY show which one of us is correct. I feel like these two reason alone is pretty telling. I have asked for this information on multiple different occasions. 

Also in their response they say they attempted to contact me, but could'nt leave a voicemail? I got those messages they sent me but I thought it was in regards to the loan payment! Both very vague messages like " call us when you can '' so when I did call, all that was discussed was the loan! They did not bring up the negative amount once!!!! 

How am I supposed to know that its negative when I am originally told that the account are closed and when I do call in they made no mention of it! 

Their response was baseless, incorrect and insulting. They still did not produce any evidence that they are correct except saying they " respectfully disagree ''.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (TX)

My US Bank XX/XX/2023 statement balance was {$620.00}. I paid {$620.00} ( XXXX cents short ) prior to closing. I was charged {$8.00} interest. I called Customer Service and they said it requires supervisor approval b/c I paid XXXX cents short. This is a predatory lending practice. Bear in mind, their app does not ever show the remaining statement balance if you pay partial payments each month, so you're left to figure out that balance on your own. Many creditors like XXXX and XXXX show me what I have left each month so I don't make a XXXX cent error. I'm left with no choice but to believe that US Bank deliberately hides the remaining statement balance so they can profit from additional interest.
Consumer complaint received 2022-10-24
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. (TX)

I have had an ongoing issue with all three NCRAs regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.
Consumer complaint received 2022-11-24
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am writing to file a formal complaint regarding a foreign transaction fee charged by CITI BANK on my credit card account. 

During the month of XXXX, I traveled abroad and used my credit card for multiple transactions. To my surprise, at the end of the month ( XX/XX/year> ), I discovered a one-time {$96.00} foreign transaction fee on my credit card statement. This fee was not disclosed to me prior to my travels, nor was it informed when I make each transaction, nor was it applied to each individual transaction. As a result, I was unaware of the total cost of using my credit card abroad. 

I believe that this fee is unjust and unfair. If foreign transaction fees are applicable, they should be transparently disclosed to customers when they engage in transactions abroad. Moreover, if the fee were applied to each transaction, I would have a better understanding and management of the expenses associated with using my credit card internationally. 

I have attempted to resolve this matter directly with citi bank, but there isn't an option to dispute the transaction. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address this issue.