davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened my new checking account and the offer was to receive a new account opening bonus after 60 days of completing offer. I opened the account mid XX/XX/XXXX and fully funded the account Mid XX/XX/XXXX. I called to inquire about the status of the bonus last week around XX/XX/XXXX and they told me it would be ready in 2 more days as it would pass the 90 day mark. I called today XX/XX/XXXXand now another phone representative is stating i have to wait another month. It seems they do not know and understand the products they are selling and giving me the roundaround. If two employees tell me two different things then who's information am I suppose to respond too.
Consumer complaint received 2024-01-01
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. (PA)

My rights have been violated under 15 U.S CODE 1666b Timing of payments -A Creator may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Accounts with illegal late payments-XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2020-03-16
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. (OK)

When married, this account XXXX XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX  XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My husband and I are account holders for a business account and we are currently out of the state. Our employees have my atm card and make deposits for me when I tell them. 

Our employee went to deposit {$5000.00}. The machine doesn't take it all at once so he did it in multiple transactions. The last transaction he attempted caused the machine to jam. He tried to pull the money back out but he could only get a some of the bills. We are missing {$820.00}. 

He immediately told the bank clerk and deposited the rest at the teller. The clerk told him they would balance out the deposits at the atm the next day. He told us. We called the bank and told them all of this and how we were basically told there was nothing we could do but wait. She said not necessarily, and told us we could call the number on the back of the card to file a claim. We did. They would look at the footage and check the atm and credit the account. They were supposed to do an expedited claim/provisional credit. That didn't happen. The claim XXXX. 

Today we called about the claim and were told " we usually give the claims dept 10 days. '' We weren't told this is the first place. In fact, we expected the atm ( XXXX ) would be balanced out the next day and this would all be resolved. She then offered to expedite it and put my husband on hold. Then transferred the call to a line that said they'd call us back and disconnected. 

I guess I'm just confused as to how it is that they balance their atm daily but are holding my money pretending they don't know where it belongs? I'm also confused about how no one is on the same page.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My statement closed on XX/XX/2020, payment due date was XX/XX/2020. The statement had only 2 charges : XX/XX/2020 {$1200.00} XX/XX/2020 {$1000.00} Both charges were refunded by the merchant before the payment due date : {$1200.00} was refunded on XX/XX/2020 {$1000.00} was refunded on XX/XX/2020 This brings the statement balance to XXXX. Bank of America system didnt identify that the statement charges were " All '' refunded and still showed me that a payment was due. I thought this was a bug in their system that will auto-correct once the new statement closes. To my surprise, my account was marked past due and I was charged a {$25.00} late fee on XX/XX/2020. 

On XX/XX/2020 I chatted with a BoA customer care representative who denied my request to remove the late fee, I requested that my issue be escalated to a supervisor and was told to expect a call within 2-4 hours. I then called ( XXXX ) XXXX XXXX at XXXX XXXX ET and spoke with a customer care representative, she said : I will submit a request to get the {$25.00} late fee refunded. At XXXX XXXX ET, I received a call from a supervisor at BoA, I explained to her what happened, she said she doesnt see any notes on my account that I spoke with anyone and doesnt see a request for the late fee refund. She also denied my request to get the fee refunded. 

What happened is an error in Bank of America system that no other bank has. I own credit cards with All major banks ( XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ), their system automatically deducts refunded charges from the payment due amount. 

Charging customers late fees and expecting them to pay for a statement that has XXXX balance is not legal and Im surprised that BoA didnt get sued yet over this.
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

Comenity Capital Bank, which handles loans for XXXX XXXX XXXX, schemes to offer interest free loans for furniture purchase ( I bought over {$16000.00} worth of furniture in XX/XX/2018 ) but then doesn't inform/remind you when your promotion runs up. 

I had my balance paid down to {$3000.00} and then they charged me $ XXXX+ in interest last month. So now I owe over {$6000.00}. They told me tough luck, I should have been watching my paper statements, which have a notice on it, that the promo is ending. 

First of all, they encourage you to sign up for e-statements. Those statements are emails that have a " Pay Now '' feature. You hit that button and you login to your account, only to be told what the minimum payment is, and the balance. NO WHERE does it tell you that you have an expiring promotion. XXXX XXXX XXXX ( XXXX XXXX ) has a HUGE notice, in RED when you are making a payment, letting you know that a promotion is to end. 

I can't find a lawsuit dealing with this yet, with Comenity, but I might try to be the first one. I could have paid my balance off at any time. They didn't tell me when I purchased the furniture that it was only for two years. They say I signed papers stating that. But they probably didn't want to go over that in detail when I made the purchase since they just sold me over {$16000.00} in furniture. 

AND NEVER, NOT ONCE, was it mentioned on my online account. So that is their scheme. They want you to sign up for e-notices, never look at your " paper '' statement, and then you get hit with a ridiculous amount of interest. 

Their website/payment system also doesn't allow for you to dictate a payment that goes towards an expiring promotion. It only goes towards your total balance. 

This needs to be corrected. Or I will be getting an attorney instead of trying to fix it like this.
Consumer complaint received 2020-03-16
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-16
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (IL)

I recieve Illinois Child Support payments on a pre-paid debit card through the Way2Go card or GoProgram. I normally don't have any issues with this, but my card expired in XXXX. I called the company to find out where the replacment card is and was told it should be at my house by Wednesday XXXX it was Monday XX/XX/2020 when i spoke with them, it is now Saturday XX/XX/2020 ) and still no card. I have tried to call the number on the back of my card again ( XXXX ) and i can't seen to get through to a person again. I have been on hold every day, multiple times a day for over an hour at a time. I have a son who has XXXX and it is time to get his refills on XXXX medication so I really need access to the money in the account. 

Thank You.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

around first of XX/XX/2019, i ordered internet thru XXXX  XXXX. i was to be wired! never happened!! they sent me a bill for XXXX. i'm not wired nor do i have a modem! sent by XXXX. no modem no internet! XXXX  leaves a note to contact thru a web site n phone #. it took 3 wks to find and get myself. hooked up no service. in XXXX, XXXX gave their cust service #. i coud n't t find it to call. XXXX i called told them told them never wired, they would to hook me up! i told them not to, since i went back to XXXX. she said it would be cancelled. never was!! ( i would be without internet over 3mo. ) in XXXX, got a bill, i called ask for susper. ( i told cus rep i never got wired up ), after on phone over an hr they just hung up!! same for XXXX and dec. ask for super. hung up on after more than an hr. still a bill comes every mo., am i to pay for service never received??
Consumer complaint received 2020-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

Respected Sir/Madam I transferred XXXX $ to XXXX using Western Union website on XX/XX/XXXX. The XXXX/transaction number is : - XXXX. Amount got debited from my account but amount not credited to the receiver 's account even after 11 days. I opened case # XXXX around 8 days back with them and did the daily follow up. Western Union told that their XXXX counterpart claimed that the amount was successfully deposited on XX/XX/XXXX. 
I told them that it's not true and in fact, I shared my bank statement with them on XX/XX/11 to prove that no amount was deposited to the receiver 's account. I am attaching the copy of the same, for your reference as well. 

Thereafter there is no response from them. Its been an uphill battle and I want my hard earned money back. Please help me.
Consumer complaint received 2022-12-31
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. (AR)

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you report on my Credit file. I previously sent a letter on XX/XX/XXXX requesting you to remove inaccurate personal information, address, and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX : I opened a Citibank Account Package : checking and savings accounts based on a promotion offer. The offer was for a {$500.00} bonus based on the following : " Eligible customers must enroll in the " $ XXXX {$500.00} Checking and Savings Offer '' promotion. Open a new qualifying Checking AND Savings Accounts. To get the {$500.00} bonus, customer must make a deposit of {$15000.00} XXXX multiple deposits allowed XXXX within 30 days of account opening. Account must maintain a minimum balance of {$15000.00} for 60 consecutive calendar days following the date the {$15000.00} deposit was made. Complete one qualifying direct deposit into the eligible Checking Account each month for two consecutive months within 60 days of account opening. '' " You will receive your cash bonus within 90 days after you complete the required activities. '' I successfully met the requirements, and this was verified by Citibank on several occasions : one where I called several months ago, one via chat in XXXX, and one today via phone. The first call said the {$500.00} bonus would be posted by XX/XX/XXXX at the latest. That did not happen. When I then chatted with Citibank via the website chat feature, they said they marked my account and I should receive the bonus but if I do not I would have to call. Today, XX/XX/XXXX, when I called, they said they would fill out another dispute form, but because there is no " promo code '' for the dispute form, both the call agent and I are skeptical the dispute form will result in success. The dispute form ID is XXXX. This can take up to 20 days, but this is unacceptable as the bonus should have posted XX/XX/XXXX. 

Citi breached the terms of the offer by not posting the bonus within 90 days of me successfully completing the required activities.
Consumer complaint received 2022-12-31
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. (TX)

in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : 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 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2021-04-20
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)

I recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of XXXX XXXX. I contacted XXXX, equifax and XXXX regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (IN)

I do not know who this comany is yet they popped up on my consumer report. I have never recieved communication from this company. pursuant to FDCPA they are to get in contact with me about this alleged debt. They took it upon their selfs to violate my consumer report and just hinder my life by droping my credit score and slandering my name and reputation.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

My acct was closed for a hold. After 8 hours of wait times I wasn't successfully able to reach them prior to closing my acct. Even after multiple secured messages back and forth. I should have around {$4000.00} being sent to me that I have yet to see, it's been 2 weeks now. Also, prior to closing my acct, I wasn't able to access any funds for 3 weeks.
Consumer complaint received 2020-03-28
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. (MD)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (SC)

Me and my ex-wife went to the car dealer and the salesman said that all I had to do was called finance company and have my ex-wife put on the loan so she can be authorized to the account because the car was for her I've never had a major purchase like that and I didn't know I was naive to the fact when she didn't make her payments they came and took the car at which at the time the finance company knew that I was no longer living in New York with her my divorce was final XX/XX/2019 now this car is on my credit report they got their car back and I want to know what can be done about the situation. The salesman lied and now I'm being penalized for it thank you
Consumer complaint received 2020-03-28
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. (MD)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-16
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. (IL)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.