davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OK)

I was constantly charged overdraft fees, even when I was not overdrawn. They were rude and refused to credit them back to the account. 

My deposits were put on 5 day and 9 day hold even when it was direct deposited from my employer. It was absolutely ridiculous what they were doing. 

I was told that I should do better with my money management skills. It was very disheartening every time that I called.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. 

The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a  representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. 

I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error.
I have attached the extension letter from XX/XX/XXXX extension.
Consumer complaint received 2019-07-10
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: Prosper Marketplace, Inc. (CA)

In XX/XX/2017, after receiving endless mail from Prosper Bank regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, Prosper began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (TX)

I filed a previous complaint about this company. One of the issues was that when the website was not working, over and over again it would give me an option to log in only by having a-mail or text sent, but then it would say that the code had been sent. However, I had not received it ; and so this bank/credit card company was apparently sending a way to log in to my account to someone else. 
The company tesponded to the complaint but made no attempt to fix the issue. If I select the option to log in by receiving a code, the code is apparently still being sent to someone else. 
On XX/XX/2019, the bank/credit card services refused to accept my call with a message that it would not accept calls from my phone number. The recording went on to state that I must type in the number which it had called. I was not called, and so this appears to be an even worse/more flagrant deliberate sending of my account information by U.S. Bank to an unknown third party. 
On XX/XX/XXXX, I called two numbers, XXXX and XXXX. I called the numbers because there was an XXXX charge and an XXXX refund on my account from somewhere in XXXX XXXX, Nevada. I was concerned about whether someone was trying to see if the card number was valid ; and so even though the amount showed a refund for the same amount as a charge pending I wanted to ask someone at the credit card company if this was anything to be concerned about. 
But now I am really concerned because the company would not allow me to talk to anyone, and it apparently is calling someone else unauthorized about my account. 
XXXX never would have selected this financial services provider for its credit cards if it had known that the company would place it's co-op members ' information at such risk! 
Please help!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX for a credit card XX/XX/XXXX never applied. 
XXXX XXXX XXXX XX/XX/XXXX Do not know what this is foXXXX XXXX XXXX XXXX I'm XXXX a credit card XX/XX/XXXX XXXX XXXXXX/XX/XXXX Never applied XXXX XXXX  trust XX/XX/XXXX Never applied XXXX XXXX  XX/XX/XXXX Never applied The State of Louisiana notified me that my information was stolen from the database I have never applied to any of these companies. this is affecting my score badly.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (VA)

I made an extra payment ( $ XXXX ) to my mortgage XX/XX/2023. On XX/XX/XXXX I notified ( via online from their website/email ) ARVEST Bank that the {$10000.00} was to be applied to principle. One week passed and a checked my account online and found that ARVEST Bank incorrectly applied the payment as {$1200.00} for future payment and {$8700.00} principle payment. 
I called ARVEST Bank and asked them to correct the error. They assured me they would make the change. Another week passed and no change. I made another call to ARVEST Bant and they assured me again that they would make the change. Today XX/XX/XXXX, I checked my account online and found that they reversed both {$1200.00} and {$8700.00} payments as if no payment was made. My principle balance increased by {$10000.00}. 
I called ARVET Bank once again and asked where is the money. The response I received was that the funds are in a suspense account. I got another assurance that the funds would be applied correctly. I am not convinced that ARVEST Bank is doing their job correctly. 
I have had this mortgage for more that fifteen years. I never once made a late payment. Please investigate the actions of this company to ensure they are not mismanaging customer accounts.
Consumer complaint received 2023-02-28
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. (IL)

N accordance with the Fair Credit Reporting Act the following accounts has violated my rights XXXX 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. 

Creditor : XXXX XXXXy Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX  Original Creditor : THE XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2017-11-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CT)

The Citi HELOC is the 2nd lien holder on this file. We are trying to get short sale approval from Citi. 

On XX/XX/XXXX, XXXX XXXX, the 1st lien holder, issued short sale approval but we can not close until we have the Citi HELOC approval. Citi has been difficult if not impossible to work with. I have spoken with Citi many times, and I am Authorized on the account, but I just tried calling again today, and Citi told me there is no authorization on file for me. I have sent my authorization to Citi on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been working with a Citi Single Point of Contact, who would not work with me unless he had my Authorization on file.
In order to get Citi short sale approval, they need the property value. I was told that a BPO/Appraisal was ordered on XX/XX/XXXX, then when I called on XX/XX/XXXX, I was told it was re-ordered. Today I received an email from Citi asking me to let you know when the Evaluation has been ordered. 

We do not want this property to foreclose and we are at risk of losing our buyer. Would you please assist us?
Consumer complaint received 2023-10-28
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

WHILE TRAVELING TO XXXX XXXX I LOST MY CELL PHONE ON THE PLANE. 
WHEN MAKING PURCHASES IN XXXX XXXX, my credit card picked up something unusual and texted me to approve a transaction. Well, obviously i couldn't approve because i didn't have phone, and i tried to do instant verification and it didn't work either ( don't know why. ) I had all of my money in my chime account and no way to buy my flight home. i received the same XXXX answer over and over on the phone for over XXXX hours while on XXXX they did not help me at all and did not care, couldn't offer any solution or alternative ( even though i could access the app, had ID, could provide any information about myself to verify account. ) In the end by a family members generosity i was able to get a flight home, but had to sleep in the airport the last XXXX XXXX  because my card stopped working altogether. I will admit I did get hot with the person on the phone, because of the condescending manner in which they spoke to me. I was suppose to receive follow up on this, which I did, that the account was closed, but I never really was told why. Well, in the midst of all of this I noticed fraudulent activity on my cards ( one specifically was an {$1100.00} hotel bill that i used a different card to pay XXXX, XXXX  have receipt as proof. ) They will not allow me access to look at any of my transactions/statements, which I need to verify all of my transactions. I also am applying for below-market rate housing opportunities and they are specifically requesting bank statements from a time period I do not have. I have asked them OVER FIVE TIMES to please send my statements at least so I don't loose this affordable housing opportunity. And radio silence. Chime is TRULY a terrible company, with no regard for quality customer service, just cheap phone operating
Consumer complaint received 2019-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XX/XX/, I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, Ive been a Citibank credit card holder for XXXX years, have a credit limit of {$12000.00}, and a XXXX score over 800. My financial record is spotless. 

On XX/XX/XXXX, I funded my new savings account with a {$21000.00} ACH transfer from my XXXX Savings account. On XX/XX/XXXX, I made a transfer of {$10000.00} from my XXXX XXXX XXXX account and an additional {$5000.00} ACH transfer from my XXXX Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details. 

A few hours after my XXXX XXXX transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked. 

On XXXX XXXX I called the fraud department at XXXX and spoke to XXXX. He couldnt see an issue, but saw that Citi was in the process of closing my newly opened savings account. He told me he was escalating the issue for review. 

On XXXX XXXX I was informed that, based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed. 

For the next 60 days they will hold on to my {$36000.00}, will not give the XXXX % advertised interest rate and will only mail me a check for the principal amount in XXXX months. 

My complaint : I followed Citis process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my {$36000.00}. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my {$36000.00} hostage, Im losing XXXX months of the promised XXXX  % interest - approximately {$230.00}. 

Citi is actively advertising and encouraging people to open and fund a new savings account. After funding, Citi closes some accounts and for the next XXXX months, uses peoples money without paying interest. The internet is full complaints that match mine XXXX XXXX XXXX XXXX If there is violation going on, its from Citi, not me. I hope you can assist in getting my money back in a timely fashion. Thank you.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

Credit Management Inc is a 3rd party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Credit Management Inc showing that I owe this company any money nor have I given written permissible purpose for Credit Managment Inc to obtain my personal information and even contact me. Credit Management Inc is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson Cruz & Associates LLC (AZ)

Could not even speak with someone, the operator refused to transfer me and acted as if she was in charge. She also cussed at me and repeated called me offensive XXXX names. She also threatened to call other numbers that were apparently associated with my account which I have no idea who that would be. This company is most likely fake or just completely mismanaged. I am currently disputing this collections as fraudulent since I have no idea what XXXX XXXX or " XXXX XXXX '' is or why it's on my credit bureaus.
Consumer complaint received 2019-09-03
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. (PA)

I have reached out to XXXX  at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. XXXX  and Experian are still reporting fraud account
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (OH)

I have been getting calls from Superlative RM Debt Collections. They call using a DIALER system but 90 % of the time I wait on the line and there is no one there, it just hangs up. A few times I have waited and a representative comes on the line and asks me to verify my identity, I only verify my name and then ask what company they are calling from and then they hang up. Today I had a representative tell me the company name. I went ahead and verified my address and date of birth then asked what it was about. I am not familiar with the company he said. I then let him know I had not received anything in the mail and I had been trying to figure out who/what this was about. He said they would not mail anything else out. I said Im driving please just resend it and you can call me back 4-5 days later and we can discuss. He said no they were taking legal action. At that point I ended the call.
Consumer complaint received 2017-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I received an email from XXXX Customer Service. This is the company Equifax has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FlexShopper, Inc (TN)

The lender refuses to remove bank account information upon request and revocation of authorization. 

Said was not allowed to remove information till I add more. This isn't how it works. 

Refused to remove my bank info. XX/XX/2023 at XXXX by phone.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MA)

My current bank account was hacked for {$500.00} XXXX  on XXXX XXXX. I filed a dispute with my bank letting them know it was not me and the charge was not authorized. They proceeded to close my dispute and told me I could not be credited