davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

My interest free period on my Jewelers reserve card through CitiBank expired in XXXX. I received a statement where my balanced jumped from around $ XXXX to $ XXXX. After calling XXXX XXXX, i was informed that of a settlement amount to clear and close my account of the previous statement balance, which was good until mid XXXX. I made this payment in XXXX, calling them to confirm receipt and that no further charges were owed. Then closing my account. 

One month later, i receive a statement saying I owe @ {$600.00}. Again i call them and spend @ 30 minutes on the phone, before getting credited the amount as a bank error. I subsequently received written confirmation that my account had a XXXX balance and was closed. 

Another month later and i receive a statement saying i am past due and owner {$60.00}. Again, another 30 minutes on the phone. However this time, because i have received credits, the customer service representative was unable to help. 

Through this process, the tradeline has been incorrectly reported to all 3 credit bureau as having a past due balance, adversely impacting my credit scores. 

My goal is to raise the issues of the banking practices of the XXXX XXXX XXXX for continuing to bill me exorbitant amounts which are not owed, for failing to resolve incorrect statements, for failing to adequetly disclose a settlement amount at the end of the interest free period and for adversely impacted my financial position ( and waiting my time ) over 3 months.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am trying to buy a house and I have found out : In either XXXX or XXXX there was a lien put on my property. There was a release on the lien but was denied from the county because it was not from the original lien holder. Huntington Bank do not follow up on it and the lien was left as is. Even after multiple refinances, this lien still was not caught. 
Then in XXXX because of a divorce I tried refinancing to get the home in my name only but ex would not sign quit claim deed. In XXXX of XXXX ex put a judgement lien on the property that was still in both of our names. Then I received the quit claim deed and started the refinance all over again. XXXX from XXXX XXXX ( Huntington ) to save himself some time used the old paperwork and did not catch the judgement lien or the other lien at that time either and refinanced. Now these liens are showing up and need to be cleared which is going to make it touchy to get the financing since l live on SSI. I feel the banks should be responsible for this not me as the first refinance was in XXXX and should have covered that first and I refinanced again after the judgement lien was placed on there. What can I do?
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (AZ)

This company, Aargon Agency was asked to stop contacting me thru phone and to send all paperwork involving this said debt of {$3100.00} thru mail. I also requested something with my signature giving them permission to my records and to collect this debt. I have not received this information. I am requesting this, if this can not be produced by this Company then this debt needs to be removed from my credit file immediately.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

In error, Navy Federal Credit Union withdrew {$16000.00} from my account for a check that was not written to me or for me. They have not returned my money yet. They debited the money from a combination of my business checking, business savings, and personal checking accounts. The representative said there is nothing he can do at this time to give my money back.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

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. 

Account name : Capitol One # XXXX, has violated my rights. 

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 2022-12-03
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: EQUIFAX, INC. (NJ)

_In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (WI)

I have called a multitude of Target customer service numbers and spoke to several employees/supervisors/managers on these dates : XX/XX/XXXX XX/XX/XXXX - 2 calls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - 4 calls XXXX - 8 calls I have been having an ongoing issue with not being able to redeem the rewards associated with my Target XXXX  Mastercard. I have been given conflicting information every time with promises of escalation and resolution. Every time I call back they are unaware of the issue, say it hasn't been escalated and they will do it, and they tell me to call back. At first the issue was only with my account, the next time was told it was a global issue, and now the guy couldn't answer whether it was global or just me because he was too busy repeating the people laughing in the background telling him what to say. His responses did not even make sense to what I was asking. The girl before him decided after 50 mins she was going to pretend she could no longer hear me and stop assisting me. have called several target corporate numbers and they all keep bouncing me around. I have emailed the CEO. I can not get an answer from anyone and am frustrated with the conflicting info get each time I call. As a customer who holds a credit card, I have entered a financial agreement to use their cards/pay their interest/ follow their terms. They offer rewards for doing so. 
Because that agreement isn't being matched I at least deserve a response. But instead have received no answers, just ridicule. feel like that is complete fraud and leaves a horrible taste in my mouth that the 8th largest retail corporation can act in this manner.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has written 3x refund credit balance checks from my credit card, in order to remove the positive balance. 

This was done without my permission and without notification. 

The 3 check details with days funds were taken from my credit card are : XXXX {$5100.00} XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XX/XX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX Bank of America is telling me the checks were banked on the following dates XXXX {$5100.00} XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XX/XX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX The problem is I never received these checks, and I never cashed these checks. 

The checks were supposedly sent to XXXX XXXX XXXX XXXX XXXX CA XXXX I have spent approx. 50 hours talking with BOA customer service in Consumer Credit Card, Credit Card Fraud, Check Fraud but only ever succeeded in getting passed from dep to another - to try and get the money back into my account, which BOA removed from my credit card in the form of these " credit balance refund '' checks. 

I have requested the bank on multiple occasions NOT to make refund credit balance from my credit card via Check. I had requested any funds that need to be moved from positive credit card balance to done electronically into my Checking account. BOA did this for some time, but then reverted to writing checks out of my Credit Card again without informing me of the change. I did not notice the funds had been removed or that checks had been written until some time later. 

I have spoken to many, many Customer Service reps at BOA over the phone, and have been promised on a number of occasions by various reps that the funds would be back in my account within 2 weeks. Each time this has not transpired. BOA never provided case numbers for any of the original conversations. 

I have been promised dozens of times for a call back, but have received in total 2 call backs, both of which were inconclusive. 

BOA do not provide any written communication, even via their online portal. 

BOA advised me I had to visit unclaimed.org to get my money back. This did not appear a useful resource. 

After a lot of work and repeated requests I was finally provided with some case numbers. I dont know if the case numbers are actual, but I was given : Complaint ID : XXXX Case Number : XXXX from XXXX XX/XX/XXXX BOA phone support do not provide their last name. the only person I ever made any headway with was XXXX from Delaware employee CIA # XXXX. She promised to call back after talking to the analyst, but never did. 

BOA has taken the following amounts of money from my positive credit card balance without my permission {$1800.00}, {$2100.00}, {$5100.00}. supposedly in the form of checks but which I never received. 

I just want my money back
Consumer complaint received 2023-11-27
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: CLGF Holdco 1, LLC (NC)

I just recently received a copy of my credit report and noticed late payments reported from your company I have never been late with a payment event during covid I enjoy being apart of your business family an I am requesting these dates be updated please XX/XX/XXXX and XX/XX/XXXX I have tried several times to contact you in regards to this matter and haven't heard back thank you for your time
Consumer complaint received 2023-03-08
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: American International Finance, Inc. (IL)

I spoke with a women named XXXX at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX, about why my account was reporting negative and was cut off and talked down to. Once asked is this racially motivated I was told to go to XXXX and kiss my XXXX XXXX dont have a XXXX XXXX in my body and hung up on me. Next thing I know they purposely chose not to respond to my credit dispute and got my credit line deleted by the credit reporting agency.
Consumer complaint received 2023-03-09
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: DISCOVER BANK (CA)

DISCOVER BANK XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates. 

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone Discover please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX started foreclosure without notifying us the account was even past due. In XX/XX/2022 we found that there were checks that hadn't been cashed. When I called XXXX XXXX they told me that they did received some of the checks and were in their possession but were not cashed, after that I asked for an investigation and asked them if I could send them a new check for the amount required and put a stop payment on those checks because I did not know what was going to happen with those checks, they told me to wait until the investigation was finished because any check I send during that time will be put on Hold and not be cashed. After about 4 months no results of the investigation were going on ( I was calling monthly for an update ) we went to XXXX XXXX in XXXX and visited the XXXX XXXX ( it was Covid -19 season and they only allowed a limited number of people inside the bank ) there I tried to pay again but the girl in charge of mortgages told me that she could not accept the payment because of the investigation on course but she could contact someone who may help me. Finally by XX/XX/2022, we paid all the passed due and were told it would not affect our credit, and it has. It has been affecting my credit and its still showing " Foreclosure Started '', instead of showing a reinstated. We've always had the money and could even show proof that it was in the account.
Consumer complaint received 2023-03-01
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-07
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: EQUIFAX, INC. (WV)

Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
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. (FL)

I made a purchase on a Sunday with XXXX. Hour 's later i canceled the order and never received the order. Here is a copy of the transaction XXXX XXXX, XXXX Pending* XXXX XXXX. XXXX WA XXXX XXXX {$150.00} I have called both XXXX and Citibank. XXXX stated over a week ago they refunded the charge as i canceled the order on the same day and gave me a refund confirmation number of XXXX. This charge was cancelled and i am still being charged for an item i never received. 

Citibank bank lied to me and stated they would do a three way call and then transferred me to another department that said that was not true and they do n't do three way confirmation call 's. 
I then was forced to cancel all my accounts with Citibank.
Consumer complaint received 2022-09-26
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (NC)

As of XX/XX/2017 I became a victim of the Equifax data breach. Where my personal information was stolen by cyber criminals, putting me in jeopardy of identity theft. I am reading and attending webinars to learn what and how to protect my information the best that I can. These thieves have had my info for over 4 years, which gives as them a pretty big advantage that was aided by the negligence of Equifax. I was informed that I should added a fraud alert to my credit report. This is a horrific and stressful ordeal to be forced into.
Consumer complaint received 2023-01-05
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PNC Bank N.A. (AZ)

I traded a car that was financed through PNC Bank on XX/XX/XXXX. The dealer sent a check to PNC Bank in XXXX via XXXX on XX/XX/XXXX, which was received and cashed by PNC on XX/XX/XXXX, per the information on the back of the check. The correct VIN and PNC account number was provided on the document attached to the check, along with dealer information. However, the funds were never credited to the loan account, despite numerous phone calls to PNC Bank by me and the dealer 's finance/accounting representative. I personally have been in communication on a daily basis with no less than 5-6 individuals at PNC Bank, 3 of them in the Escalation Department with no resolution of the matter.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NC)

On XX/XX/28 the vehicle was repossessed from my home. I woke up to go to work at XXXX and noticed my vehicle was not there. I was told by an agent at the bank that after paying 2 payments a few days prior to get the loan caught up due to financial hardship that I could pay the remaining payment the following week. After making the payments the lender still hired a 3rd party debt collector tow company to repossess the vehicle. I called the bank and informed them of our agreement and they said it is out of there hands and they would do nothing unless I paid the entire amount. Due to this unlawful repossession I was unable to attend work that day and had to take off the next day to pick up my belongings from the vehicle. This has caused much stress and anxiety. The lender and the repo company both violated NC law. North Carolina General Statutes Section 25-2A-207. North Carolina General Statutes Section 20-77 states that : Before a vehicle can be repossessed, the debtor must be provided with written notice of the intent to repossess, which includes information about the debtor 's right to cure the default and the amount necessary to do so. 

The debtor must be given at least 10 days to cure the default. I never received a notice prior. From the lender-santander or the repo company XXXX XXXX XXXX located in North Carolina at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lender-Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an urgent matter and the vehicle may be sold within 10 days I would like to resolve this matter as quickly as possible.