davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
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: CITIBANK, N.A. (CA)

At the beginning of XXXX ( XX/XX/XXXX ), I was to receive a courtesy credit for {$790.00} for a chargeback dispute, along with a {$120.00} credit ( which I already received ). I was told these credits would be granted as a courtesy since my disputes were outside of the allotted 60 days period. I spoke to a total of 4 different Citi representatives in the dispute resolutions department and customer service, all of which assured me that I would receive this credit 'in 48 to 72 ' hours. Citibank 's automated system also confirmed that I was granted this credit. Every rep I spoke with confirmed this credit will be granted to my account ( Please listen to the recorded phone calls ). 

On XX/XX/XXXX, I called Citi again since no credits were posted, and I spoke to a supervisor named XXXX. She informed me that no credit would be granted. I explained to her that 4 different reps had informed me that I would be receiving this credit, and the automated system confirmed this as well. She then explained that my account was in review and that all my conversations with the Citi reps would be listened to, and I would receive a letter with the outcome. She said that it would be 7 to 10 business days from XX/XX/XXXX. I didnt receive a letter. 

I called Citi and spoke to XXXX on XXXX and she informed me that my account review was complete and I was approved for my credit of {$790.00} on XX/XX/XXXX at XXXX, and gave me confirmation # XXXX. She said that the department that handles the credits was closed due to COVID-19 and that I should get my credit later in the week. No credit has been seen. 

On XX/XX/XXXX I contact Citi again and spoke to XXXX. He tried to get a manager or supervisor on the line but he was unable since the call volume was very large. He said hed call me back with a resolution. He called me later that day and left me a voicemail that he had emailed that department and CCed his manager. He told me hed reach out with a resolution with in a day or so. I have heard nothing as of today, XX/XX/XXXX. 

I contacted Citi this morning ( XX/XX/XXXX ), and was put on hold for 50 minutes then the rep hung up. I called back and spoke to a lady. Was on hold with her for 1 hour and 37 minutes. She did check in with me and after about an hour, she said she would look into another solution to get my credit issue resolved. She hung up shortly after. 

I have been using Citibank exclusively for the past years, and I have NEVER in my entire credit card usage history experienced such blatant disregard. In a time like this with COVID-19, Citibank 's actions are absolutely appalling, especially when I have never missed a payment, and have been a loyal Citibank customer.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX  XXXX XXXX I 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 2020-04-16
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: ONLINE Information Services, Inc. (OH)

To Whom It May Concern, The reason for my dispute is ONLINE IN SV # XXXX and XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I submitted my monthly mortgage payment to Wells Fargo for XX/XX/2020. I include approximately {$600.00} extra each month that is only to be applied to the principal on the mortgage. I checked my most recent mortgage statement which posted yesterday and found that the approximately {$600.00} was not applied to the principal. I spoke with a Wells Fargo representative who advised that the extra approximately {$600.00} had been placed into a suspense account. The representative had no idea why this happened and was opening a case. I have had numerous past problems with Wells Fargo misapplying additional funds that I have sent in. Previous representatives assured me that the coding and funding sources on the account have been set properly so this would never happen again. Well, here I am complaining about this issue again that in no way benefits me, the consumer and only benefits Wells Fargo. I have several complaints on file with the Consumer Financial Protection Bureau documenting this exact problem. Can you please help me? Thank you.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

Hello Citi Executive Response Unit, Please reconsider your investigation, as ALL points that you have stated in your reply are false. 1. " The card was sent to your valid address '' - the address you are referring to is fraudulent and I never lived there. I know what address you state from the initial credit report I obtained after discovering this issue. Plus in XXXX I've been living and studying in XXXX XXXX a country in XXXX XXXX which is proven by docs attached to this complaint. I can provide you with my diploma if you need. 2. " Statements were sent to your valid address '' - What address? If the same address that you state in the 1st point - that is not my address and never was and I have never received any statements from you on any addresses in the US where I lived after I reentered the country in XX/XX/XXXX. 3. " Payments were made from your valid checking account, which has not been identified as being fraudulently opened '' - If you have a checking account opened in my name in your bank - it is also fraudulently opened and needs to be investigated. I've never opened a checking account with guys. And again no one from your team contacted me to investigate this case. Even though your support said that the investigator will reach out to me. I am a victim of identity theft, and it is not my fault that the security of your bank works badly and lets criminals open accounts in other people 's names. Instead of helping out to fix this and investigate solutions to avoid anything like this to happen in the future to other people, you guys continue harassing me. Please stop, otherwise, I'll need to go to court to defend myself. 

Attaching your reply to this case. 

Thank you, XXXX.
Consumer complaint received 2020-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX  XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CLGF Holdco 1, LLC (NC)

Demand for Immediate Remediation and Compensation for Consumer Rights Violations I am writing to you regarding serious violations of federal consumer protection laws by Genesis Financial Solutions, which have directly infringed upon my rights and negatively impacted my financial health. The specific statutes violated include : 1. 616. Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ] 2. 617. Civil Liability for Negligent Noncompliance [ 15 U.S.C. 1681o ] 3. 618. Jurisdiction of Courts ; Limitation of Actions [ 15 U.S.C. 1681p ] These infringements have resulted in significant personal and financial detriment, necessitating prompt action and compensation from your end. Enclosed are detailed documents outlining each violation, supported by evidence illustrating the negative consequences on my credit score and overall financial situation. 

In light of these transgressions, an invoice is attached herewith, specifying the compensation owed due to the willful and negligent noncompliance by Genesis Financial Solutions. Payment of this invoice is required within 15 days from the date of receipt of this letter. Failure to fulfill this obligation will compel me to initiate legal action against Genesis Financial Solutions to recover the due amount, along with any additional damages, legal costs, and other applicable fees. 

This letter serves as a formal demand for immediate corrective measures and financial restitution for the harm caused by these legal violations. It is imperative that Genesis Financial Solutions take serious and immediate steps to address these issues to prevent further legal action. Your prompt and decisive resolution of this matter is highly anticipated and necessary. 

I look forward to your swift response, acknowledging receipt of this letter and confirming the settlement of the attached invoice. Should there be any queries or a need for further details, please do not hesitate to contact me directly at XXXX.
Consumer complaint received 2020-04-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

XX/XX/2019. {$3000.00} plus interest and associated fees. I attempted to update my account due to complications with my job and car repairs eventually a repayment plan was incorporated and I would like my credit repaired due to complications with COVID-19 impacting XXXX, Michigan under executive orders of Governor XXXX XXXX.
Consumer complaint received 2020-04-16
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: ID Analytics, Inc. (AZ)

On XX/XX/2020 a letter was mailed to me stating that I was denied for credit due to a low credit score from some company by the name of SageStream llc XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I do not know who these people are nor did I give their company permission to get my information and come up with some crazy score. These people need to be stopped!!! I do not feel my information is being represented correctly by these people nor do I think they should have my information. I do not want this company acting on my behalf.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (FL)

In XXXX of 2020 someone kept calling me posing as a process server asking me to confirm personal information and implying that there is a Court filing against me, the person was elusive as to who they worked for, however I linked the call to Afini Inc collection agency Th is person continued to call and threatened to go to my place of employment and my home. 
The debt they are trying to collect on is for {$250.00} and the original creditor is XXXX. 
Shortly after the seventh phone call the debt appeared on my credit report In XX/XX/2020 I sent a cease and desist letter, after Afini, Inc received my letter. As a retaliatory act - the company flagged the account as a grid code G to significantly damage my credit. 

The above mentioned collection agency acquired this debt from another collection agency of which I filed a formal complaint against for harassment and failure to validate the debt as a result the debt was removed from my credit.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, I opened a checking account with Huntington Bank. The banker advised me of a {$200.00} promo for opening the account. He entered a code which generated a paper with the requirements that I needed to follow. There is no way to have this generated paper without a code being entered. As the 90 day period was ending and having met all the requirements, I called customer service to find out when the bonus was going to be credited. This call was on XX/XX/XXXX ( 90 days were over XX/XX/XXXX ). I was told " YOU DO NOT HAVE ANY PROMO CODES ATTACHED TO YOUR ACCOUNT- NO PROMO ''. After my shock, I told her that I even had the generated paper. She asked me to call the branch. 
Log in dates : * XX/XX/XXXX -- spoke with XXXX XXXX at the bank who told me to email her the paper and that she would take it to the back and have the promo code attached. 
XXXX -- get an email from her stating that I needed to wait another 14 days and if I did not get the bonus to call her and she would try to insert the promo code on the back end. She also said that the person that open my account XXXX was out and that I would have to wait until the following week. 
XXXX -- called branch to check on XXXX- left message XXXX -- sent email to XXXX XXXX - VP of Huntington - never received a response XXXX -- called branch again- still no return call from XXXX. 
XXXX -- called corporate office and spoke to XXXX XXXX the is the highest level of consumer issues. She said that she was going to check on this immediately. 
* XX/XX/XXXX -- called XXXX she told me that XXXX told her that he remembered me, that he entered the code and the paper was generated. He told her that I was definitely owed the promo. She needed to check with " her people '' to see when the promo was going to be attached. 
* XXXX called corporate again- XXXX told me that she was still investigating and talking to her people. She assured me that I am certainly owed the promo but that I would have to wait possibly another 2 weeks. She would let me know. 
* XX/XX/XXXX - never got a return call. Called XXXX again. This time I asked her if I could speak to some of her people, that maybe I could try to expedite things. I was told that she is they highest person I could speak to. That I would have to deal with her only on this issue. 
Today is XX/XX/XXXX ( account was opened XX/XX/XXXX ) and I still do no have my promised bonus amount and when I called customer service to follow up they told me that there still was no promo code attached to my account at all.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I reached out to Chime and XXXX for some type of resolution for this unauthorized payment to this website XXXX and the dispute was pretty much shut and closed, Its a online transaction what information could the possible use to prove it was me who made it? A name? Thats point of fraud its called identify theft! Scammers literally get away with anything these days because of the lack of investigation companies use to save theyre own tails for actually helping, They charge you up the XXXX in fees monthly but when it comes down for help they deny you in minutes
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: PNC Bank N.A. (WI)

Got this XXXX XXXX card for my daughter to use XXXX  vacations and allowances we are going on vacation she has saved money foe months now I'm trying to transfer it from my account to her card what the XXXX
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I went to the Bank of America ( BofA ) ATM to withdraw funds from my checking account, where I receive my payroll, and noticed that my card was not working. I immediately called BofA to identify the issue, where I was told that my accounts had been restricted and would be closed in a couple of days, because I had not updated my information. Going through my records, I realized that a letter ( " Letter '' ) had been sent on XX/XX/2020, requesting that I update the information. On XX/XX/2020, I had gone to the BofA branch and updated my information and received a confirmation of my visit, as requested in the Letter. Furthermore, after reviewing my records, I called BofA on XX/XX/2020 to request to transfer my funds, as they indicated that they would close my account. However, BofA indicated that I could not withdraw my account, which is my main account where I receive payroll and pay all my bills and expenses, and they indicated that they would close my account on XX/XX/2020 ( the " Closing Date '' ), and within 3 business days of the Closing Date, they would issue a check and send it over regular mail, which takes 7 to 10 business days, which means that I would receive my payroll funds within 20 to 30 calendar days since the day BofA froze my account. Additionally, BofA debited my account for a payment that came in, however, since I did not have the funds, it overdrew one of my checking accounts and charged me a fee, which I can not pay, since I can not credit any account or use the funds already in my other checking account at BofA. I was also expecting to receive my XXXX XXXX XXXX through this account, which this situation will likely cause an unnecessary delay in my receipt of those funds. Due to the described situation, I do not have funds this month to pay my necessary living expenses, I have been charged fees by other companies since they returned my monthly ACH bill pay/autopay, I will likely incur in a credit score downfall, and the emotional stress of not being able to pay my bills and the current Covid XXXX situation. I believe that BofA 's practices fall under the Unfair, Deceptive or Abusive Acts and Practices ( UDAAPs ), as they have blocked access to my funds, which include payroll. Furthermore, absent a court order or a violation of law, I do not believe BofA can legally freeze my funds.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I had a payment schedule that went thru ACH for XXXX on XX/XX/XXXX. I had no funds in account and the bank let the charge go thru instead of reversal like they did a previous payment before hand. On top of the insufficient fund my account has been hit with 3 extended overdraft charges for XXXX, which has put my account way over than what I can actually pay. The bank knew my account was XXXX out and let the charge go thru unlike the week before they reversed an ACH which my account was hit for XXXX on XXXX, XXXX. The ACH was paid for to where my account was at a positive standing!