davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

This is a continuous issue with Citibank. On XX/XX/20 I deposited a rental check for {$950.00} {$200.00} were placed on hold til XX/XX/20. OK. A check for {$220.00} was presented on XX/XX/20 by error from the contractor. The {$200.00} previously on hold was released XX/XX/20 the exact date the {$220.00} was ret'd-see attached. There was more than enough monies in the account to pay it. Further Citibank charged my account {$34.00}. NOTE : XXXX my contractors ' bank only charged {$12.00}. Therefore I was penalized {$46.00} plus my reputation in jeoparty. 

Citibank has become robotic, no Consumer service what-so-ever. Long lines & waits each time, ridiculous system on deposits with 2 or more slips to a transaction which has added to the already long lines & delays making each transaction a big deal-TOO COMPLICATED.
Consumer complaint received 2020-01-13
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received courtesy telephone call from Kohl 's Credit in XX/XX/XXXX. The Representative of Kohl 's Credit advised me that I needed to make payment on my credit card. I explained I would and the Representative stated that I needed to pay {$200.00} ; I explained I absolutely did not have that amount to pay at that time. During close of the conversation the Kohl 's Credit Representative wanted to confirm all my account information which I did including my checking info. Again, I never gave the Representative express authorization to take the {$200.00} from my checking especially on the XXXX of the month when I don't get paid until XXXX. On or about XX/XX/XXXX I discovered Kohl 's Credit withdrew {$200.00} from my checking causing detrimental financial hardships by causing overdrafts in the sun of {$180.00} as well as clearing my account to zero ( or in negative status ). This caused me undue hardship as I have an XXXX  child who has needs and I had absolutely no monies due to the unauthorized payment in sum {$200.00}. I was unable to take my child to therapy or his doctors appointments. Kohl 's gave me the impression they would immediately rectify the unauthorized payment but later that same day I called Kohl 's demanding immediate credit I was advised something entirely different stating they had to conduct an investigation. I asked if they were going to pay all the overdraft fees I incurred and was unable to get a clear answer in this regard. 
This is in direct violation of the Federal Fair Credit Act wherein it states a creditor can not withdraw funds from a consumers checking account WITHOUT EXPRESS AUTHORIZATION. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (CT)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-03
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I am a customer with two credit cards with Chase. I opened a case with the CFPB back in XXXX with case # : XXXX since then my issue has not been resolved. Recently chase has been contacting me in regards to my complaint for account ending in XXXX this case is related for fraud related purchase. When I first submitted my complaint I explained to them over and over again that the charges that were done on my account in the amount of {$8300.00} were not done by me and I received no benefit from the purchases. After submitting my complaint it was investigated and I receive a response regarding the case and i received an official statement of my account. On the statement it states that I received a credit back for the amount of {$5500.00} but still have a remaining balance of {$3100.00} with a payment due date on XX/XX/2018. I called back on XX/XX/XXXX18 and the representative that took my call stated that I had a remaining balance of {$3100.00} i stated how can that be if in my original complaint i disputed for the amount of {$8300.00}. He looked over the account with the remaining purchases and said that it's weird that those purchases went added to case and went ahead and added the remaining purchases to the case and stated that all the remaining purchases will be removed from the account and will be reflected on the account within 4 business days. They were all removed and I left the situation as it is. Almost a month has passed by and I recieved no resolution letter regarding that case. I decided to check online when I checked to see what is going on it says that instead of owing the original amount of {$8300.00} I now owe almost {$12.00} XXXX. On XX/XX/XXXX2018 I called back the fraud department to ask what is going on and the representative stated that after the review they claimed that I received benefit from the purchases and that is why I see that balance now. I stated again to the representative that how could that be if I keep telling them over and over again that all the purchases made on the account were all fraudulent and I received no benefit from the purchases that were done on my account.She advised me that they will re-evaluate my account and contact me if there are any questions. If a company sends you a official statement saying that you just owe {$3100.00} and then later reverses the decision then why send me a official statement in the first place instead of honoring their word? Because of this I am reopening my complaint against chase and hoping there is some positive resolution regarding the fraudulent transactions done on my account. Why should I be held responsible for the transaction that were not authorized by me and I received no benefit from them? Attached to this complaint is the statement saying that i just owe {$3100.00} and as well a screenshot of my most recent outstanding balance of {$12000.00}
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (OH)

I received an account Statement onXXXX dated XX/XX/2022 from Truist for a checking account I did not open and that had expenses for maintenance fees deducted against the account. When I tried to contact Truist they repeatedly asked for my social security number which I would not give them and then instructed me that the only way I could resolve this fraud was to appear at a Truist location in person which I refused and asked to speak to a manager. After my request to speak to a Truist manager the phone was hung up by the Truist customer service rep.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax has been taking me through the ringer with allowing creditors that I want to access my account since XX/XX/2022, but consistently allowing unwanted creditors to add fraudulent things to my account without my consent. I've asked both my personal and business account to see if I'd qualify for a loan and both of them have emailed me with details regarding their inability to access my credit. 

On XX/XX/2022, I called Equifax to remove everything since they keep lying to me saying that no creditor should have any issues accessing my credit. As of XX/XX/2022, my banks are still having issues accessing my credit report. 

Fraud File # XXXX - Requested Freeze Removal Removed Fraud Alert Com # XXXX Removed Fraud Indicator Com # XXXX See attachments from my banks and previous collections accounts they've added to my file without my consent and I've taken the steps to get it removed.
Consumer complaint received 2020-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (IN)

I started calling to PNC Bank to obtain my pay off amount in XX/XX/XXXX9. My  payments were submitted by XXXX XXXX accelerated program and were always submitted on time. They deducted from my bank account every two weeks a set and consistently throughout the year Occasionally there would be an extra amount in which XXXX XXXX would submit to PNC as a principal payment and noted as such on the manual check and mailed to pnc for posting. PNC applied most payments correctly but I did find a few that were not applied correctly and interest deducted from those payments. I started my inquiry when I requested my payoff amount. I never received monthly ststements from PNC to show payment activity. When I looked over my history in XX/XX/XXXX I noticed some payments were not applied correctly. I called and requested PNC to review my loan starting from inception date in XX/XX/XXXX. PNC acknowledged error and corrected two of the payments in which this lowered my payoff amount. I called back to pnc to let them know there was still two payments to be corrected. I wanted tbe correct payoff amount before paying off my auto. PNC NEVER CALLED BACK. I was always the initiator for the status of inquiry. This started in XX/XX/XXXX and XX/XX/XXXX still reviewing case open. In XX/XX/XXXX i called again to convey my frustration. I was told on XX/XX/XXXX there was a decision and they would not consider XX/XX/XXXX and XX/XX/XXXX to be posted correctly and recalculate interest as they were too old. But they did reapply another XX/XX/XXXX principal only payment. This was clearly their error and did not post payments correctly therefore I overpaid on my loan. I did payoff loan in november so i did not accrue further daily interest. This loan was paid off approximately one year early with never a late payment. I just want to pay the correct payoff amount with the correct interest applied. If they do this to other people and their defense is that it is up to the consumer to track their payments but they do not hold themselves responsible as to have quality employees to apply payments correctly. They add re making money off this process. My final complaint was if they can not calculate back to those two payments then figure a fair amount that would be refunded to me. They closed complaint and stated they could not help me. This took 4 months to let me know they could not do anything about it. Then their employee that was working on my file lied about calling me back and stating phone number was not good or could not leave voicemail. I just want want is due back to me and to pay correct amount on my loan. I still do not have an official response in writing from PNC and never received verbal response without me initiating the call. Very poor customer service. What other options do I have to receive my refund?
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (PA)

They allowed me to default for XXXX months. Sent me paperwork stating everything was good and I had to make my first payment on XXXX. They evidently set up an automatic payment unbeknownst to me so they took that and I paid again on XXXX. Now its a double payment for {$1200.00}. They said it was emailed to me. No it wasnt. She said well its online in your account. What??!! Here we are XX/XX/13. I have spoken to XXXX different customer service people who started with saying Id have it back by XXXX. Yesterday another one said the account was closed so I should get my payment today. Today XXXX supervisor said it takes XXXX days no matter what and we have to wait for your money to settle. I said both have settled in my account. I have been- {$1100.00} since XXXX. They wont help me and keep saying the money will be there tomorrow, tomorrow. I have XXXX children and no credit cards. So Ive had no money since XXXX. Please help me. The last woman I spoke with wouldnt put a supervisor on the phone or give me the name of the one she spoke with. XXXX not asking for both payments back. Only XXXX. I dont know what else to do. This is with Midland Mortgage Company.
Consumer complaint received 2024-04-22
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: FIRST ADVANTAGE CORPORATION (MD)

You guys handle my background check for for XXXX a job that I'm trying to start this Wednesday and you guys reported that I gave y'all the incorrect Social Security number which is incorrect. That is my correct Social Security number. I'm XXXX XXXX XXXX. I never had a job I don't have any bills in my name, this is my first job. I don't have anything on my background never been arrested. I'm XXXX XXXX XXXX XXXX XXXX that is my correct Social Security number so I do not appreciate you guys reporting that my Social Security number likely belong to someone else which is incorrect I have proof of my Social Security card and I also have letters from Social Security, that can be provided upon to fix it expeditiously because I'm supposed to start work Wednesday
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Last XX/XX/2022 I paid off my home mortgage to XXXX received a letter of paid in full But since paying this off my credit score from all reporting agencies & my 5 different banks fico scores come up with low scores based off of LACK OF RECENT INSTALLMENT LOAN INFORMATION! This has appeared since XX/XX/2022 time period. This was caused by me paying off my home. I have called XXXX its out of their hands, I called Trans Union again they cant help told me to call CONSUMER FINANCIAL BUREAU they sent me to you at www.consumer financial.com/askcfpb Can someone please get this ongoing report to be removed from my record so it no longer decreases my score Please advise XXXX
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (AL)

XX/XX/XXXX Entered into 36 month lease with BMW financial Paid {$2500.00} upfront Paid 14 payments to BMW financial at $ XXXX Paid car insurance for the BMW Paid title fees for the BMW XX/XX/XXXX BMW totaled XX/XX/XXXX BMW notified my lease terminated payoff of my lease with BMW good thru XX/XX/XXXX {$40000.00} Payout from my insurance {$46000.00} BMW is keeping the difference of the payoff and amount my insurance paid, because " they own the car. '' Offered 50 % of overage of insurance paid in " loyalty awards '' IF I buy/qualify for a new BMW. Giving me my insurance money and calling it loyalty awards. It's not awards when my insurance paid them. 
I made 14 payments of {$720.00}, {$2500.00} upfront, {$6100.00} overage from my insurance and a pay out amount of {$46000.00} for a loan payoff of {$40000.00}. They also state I owe them the XXXX payment plus my {$1000.00} deductible to pay my insurance company.
Consumer complaint received 2022-12-13
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: Westcreek Financial (AL)

I am a victim of Identity theft- Someone/ Or persons have received appliances from west-creek financial- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX  and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX XXXX remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

In reviewing my credit report I found Americollect as a collector saying I owe {$240.00}. I sent a letter on XX/XX/19 asking for debt validation. The letter was returned, so I found the correct address of Americollect, XXXX XXXX XXXX XXXX, XXXX, WI XXXX and resent the letter. I did not receive any correspondence from them, however, my credit report was updated saying the account information disputed by consumer meets FCRA requirements. I then sent an Estoppel letter on XX/XX/19 again asking for debt validation. My attempt was ignored again prompting a third and final letter on XX/XX/19. Again no response. Americollect is deliberately and defiantly ignoring my request and they are now in violation of my rights as a consumer. I have absolutely nothing from them saying I owe Americollect this debt.
Consumer complaint received 2020-01-13
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. (IL)

However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair Credit Reporting Act XXXX Account, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} 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 an account without my written instructions.
Consumer complaint received 2020-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX, I got a notification that my savings account is locked. I called the number they provided and asked what was happening and when would it be fixed.

It turned out that they didn't know the reason for the restriction and couldn't provide a timeframe. 
I called them again on XXXX, but still I got no useful information from them. 
It's so frustrating to me, since I need my deposit to pay down my credit card balance soon.

I believe they should've provided why my account got locked and possible actions to unlock it right after the restriction. Also, they should've informed me how long it would take to regain access to my deposit.
Consumer complaint received 2020-01-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: College Loan Corporation (FL)

In 2006 I took out a federal student loan in the sum of {$12000.00}. This loan was assigned to CLC and then XXXX. I fully and completely paid off this loan online. The assignee now falsely claims that I not only have not paid off that loan, but that I have two additional student loans which are being reported as delinquent, thereby adversely affecting my credit score.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TN)

I applied 4 times with American Express they keep denying after me working to bring my credit score up everytime I get the run around or hung up. I did some research and found out they trading our information on the stock exchange profiting up to XXXX XXXX sometimes off 1 app there reporting to Sec that I'm giving them permission to do this witch is a lie I called them back and told I'm an investor in they company so why don't I have 1 card the rep told me I didn't have 1 app on file witch I have proof dating back to XXXX
Consumer complaint received 2020-01-13
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. (FL)

My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.