davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

CITI BANK, XXXX XXXX XXXX  Account Number XXXX complaint, I am a Home Depot pro rewards customer since XXXX, I have used the card in the daily administration of my realestate investments and many other home refurbishing. For several Months we have awaited a replacement card in the mail. We Live a a small incorporated Town Of XXXX XXXX. We Do Not have mail Boxes, as I explained and have always received my mail, Bills, ads, and previous Cards from Home Depot Credit card statements and cards at that XXXX XXXX XXXX. XXXX XX/XX/XXXX we called XXXX XXXX XXXX XXXX Citi BANK and talked Rep XXXX, and instructed her to add XXXX XXXX XXXX the Physical address as requested, But on XXXX separate events, the new card was sent the EXACT same way. and XXXX to CITIBANK as non deliverable. Citi bank in fact XXXX suspended my account with no Notice. I was instructed to use old card until they could send new card. In a recent XXXX in XXXX XXXX my card was declined. I had my wife call and she talked to Citibank XXXX and the rep asked her the name of the cards original application company from XXXX years ago. My wife complied as to the best of her knowledge and was in fact correct. The rep Cancelled the card and indicated verbally that my wife had requested it to be cancelled, My wife indicated She in Fact DID NOT Cancel, but inquired Why she, had cancelled by pushing a cancellation card button and could not change it. Her actions were COMPLETEY FALSE and Malicious for reasons unknown. My card has never been late, and was in good standing, In Fact HD credit recently Increased my Limit on their Own. I have contacted XXXX XXXX and was told mangers would review the taped Conversation too verify my statement that the card was not cancelled by the Non card Holder as accused by their Employee, dates were Friday XX/XX/XXXX then once again, I recalled on Mon XX/XX/XXXX and was told it was in review. I at no time canceled the card. and Recently Sent in a Fax as requested by Supervisor XXXX XXXX verified NY XXXX Registered Business and its Verified Status. I was instructed Because She Fraudently closed my account id have to reapply. As I am on a high Tier Purchaser I would lose Substantial Perks and Financial incentives I have accumulated. I have accumulated over XXXX k in reward real money purchases and have spend XXXX in my purchases sense then Card was originated, THEY encouraged and requrest this PRO account to me Because off my vast amount usage and in store purchases. I feel wronged and ask consumer I have been subjected to Unfair business practices that border of XXXX. Please review my complaint.
Consumer complaint received 2020-03-29
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. (AR)

PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at XXXX, XXXX, EQUIFAX AND XXXX.
Consumer complaint received 2023-03-08
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. (GA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2022-06-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX and XXXX XXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I have issued a check in XX/XX/XXXX in the amount of {$1300.00}. The payable party notified me in XX/XX/XXXX that he never received the payment. My bank, Citibank, showed payment cashed and copy of check has no endorsement signature. Below is the timeline : XXXX - reported to Citibank that my check was cashed without endorsement XX/XX/XXXX - received affidavit from Citibank which I completed it and returned by email on the same date. 
XX/XX/XXXX - I follow up with Citibank by phone and was told they didn't receive the affidavit so I immediately sent it while I was on the phone. 

I have been calling twice a month since XXXX and I kept receiving the same message, Citibank " back office '' is waiting for XXXXXXXX XXXX to reply. I requested to Citibank credit me while the investigation is going on since Citibank released my money when there was no endorsement on the back of the check. Today is XX/XX/XXXX and I still haven't receive a credit from Citibank. Each time I want to escalate this to a higher hierarchy, they tell me there is nothing they can do and disconnect me or just disconnect without any word. 

I would like Citibank to credit me in full while they investigate. If my life depends on this money, I would be homeless and starved. Please help me to get my money back and hopefully to have Citibank provides better service to their customer. 

NOTE : I have copy of the check & affidavit but they have my information so I will not attached to this compliant. I am only attaching the emails that show the time when I sent in the affidavit.
Consumer complaint received 2019-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

PennyMac loss draft department has routinely failed to make my insurance settlement FUNDS THAT I FOUGHT HARD TO GET A FAIR SETTLEMENT available to me to get my repairs done. When I call the loss draft department I speak with rude, loss draft department personnel with attitudes who drop calls and refuse to transfer me to management and instead place me on long hold times well over an hour in length without resolution. They are illegally holding MY MONEY for repairs.
Consumer complaint received 2023-08-22
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: LEXISNEXIS (CA)

n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX XXXX Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : SXXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Following up on my previous complaint to CapitalOne Credit Card, the company falsely charged an additional {$28.00} interest on XX/XX/2023 when my account balance was already XXXX by paying XXXX on the due date of XX/XX/2023. When I contacted customer service, I was told that the charge was due to a late payment in the month of XX/XX/2023. When I argued with the agent that they falsely charged my account when my balance was XXXX and my account was previously charged XXXX. The agent had no clue and was not providing accurate information. It appears that my account is being falsely charged by Capital One. This is the XXXX interest change on my account with XXXX balance. This is mental harassment from Capital One that I need to check my credit card account every day even though I haven't used my credit card to make sure that the company is not placing false changes on my account.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

Contacted Direct Express about 2 charges that were made by XXXX XXXX and XXXX XXXX XXXX totaling {$1500.00}. I was charged an extra week by both hotels and was not refunded after I left. I tried to get the amounts refunded to me by Direct Express and this was not done. This is elder abuse.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (IN)

NCTUE Security Freeze  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX PER THE FAIR CREDIT REPORTING ACT : I am writing to you to put a security freeze on my NCTUE credit report. Under the Fair Credit Report Act you are required to comply. I also OPT OUT of NCTUE and any report/file NCTUE or its subsidiaries may have containing my name or referring to me in any manner. 

My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX, XXXX IN, XXXX CURRENT PHONE NUMBER : XXXX Enclosed are the following two documents that verify my identity : Photo ID SS number After this credit freeze has been filed, please send me written confirmation, as well as, a copy of my FULL NCTUE DATA REPORTS to the address listed above. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (CA)

Allied collection service has been contacting me regarding an {$1600.00} XXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as XXXX XXXX XXXX. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXX XXXX  and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Last week, I became aware of an XXXX XXXX XXXX CitiBusiness Platinum Select Master card that was opened in my name. I called to try to check on the balance of the card and possibly cancel it, and since I was not able to provide the " security word '' for the account, they would not allow me access to the card. I had already explained to the individual that I did not open or setup the account so I would not have access to any information about the account. 

I reported the card as stolen and received a new card in the mail and they will not activate the card or give me any information about the account that was opened in my name. I finally requested that the card be cancelled and they said they could not do that. I requested to speak to a supervisor and was disconnected each time I called.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I had rolled over my IRA from XXXX XXXX XXXX to Santander Bank. On or about XX/XX/2018 I had closed my IRA account at Santander Bank. I had been told by my tax accountant that my 1099 R  should be coded as a " G '' for a rollover. I received a letter from Santander that it was a rollover ; however, I do not see anywhere on the 1099 R that says rollover or " G ''. I had contacted Santander customer service and was told that there is no way for a customer to speak to anyone in their IRA Department and that they would have to open a case on my behalf. I then tried to contact corporate escalations but to no avail. The representative who I had spoken to had kept me on hold two times for an inordinate amount of time saying she was going to verify my account but never returned to the line or called me back. I have to get a clarification on this issue as it will greatly impact my taxes if Santander didn't report it to the IRS as a " rollover ''. 
What kind of bank does not allow their customers who had an account with them to speak to someone in their IRA Department or any department that may be appropriate??? 
Santander 's banking policies/regulations do not appear to be fair or ethical and should be investigated as such.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I received a copy of a lease from a collection agency., claiming I owe a balance. After reading the lease carefully, I noticed I have never lived at the address on the lease sent by debt collector. I have sent several copies of my previous address along with identification, to XXXX and IQ DATA for dispute. But to no avail because they insist it's accurate and verified. I know both agencies work with one another but this is not fair to me as a consumer. What else can I do, after I sent proof numerous times that I've never lived at that address? XXXX has all my addresses on file with credit report, none match address on collector 's lease and continues to reject my claim.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group (TX)

They reported an amount to my credit report when I contacted the original debtor they give me a much lesser amount & still I settled with this company ( PHOENIX RECOVERY GROUP ) and they agree to removed all info and notations on all credit bureaus after 45 days after i paid em what they told me but they didnt remove it, I call em and she said ( XXXX XXXX rep ) maybe is gon na take longer you should pay the rest ( we agree on a settlement ) now they told the credit bureaus the info on my reports are right even tho I have the proof where they agree to remove it after I paid em the amount we agree I all send so many emails they dont reply back no more i think this is unfair i did what they told me and they didn't live upto what they offer even XXXX XXXX approved my letter stating my account will be deleted but no they just took my money and didnt deliver they promises
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (WV)

On XX/XX/2023 I attempted to deposit {$1400.00} in my account through the ATM @ Huntington Bank on XXXX in XXXX WV XXXX During this transaction the machine went haywire locking my card and part of my money in it. I received {$690.00} back from it however it kept the rest of the money which was {$770.00}. I stayed at the ATM machine and contacted customer service as it said to do so on the screen. While on the phone with them it released my card however I never received the remainder of my money. I went to the branch the next morning to be sure there had been a dispute filed and the lady working filed a dispute also and told me that yes when they counted the atm that morning there was indeed an overage. After several weeks and several calls and trips to the bank this issue still has not been solved and I keep receiving the run around. They have cost me additional money due to my vehicle payment being late because I still have not received this deposit in my account. Please Help!!
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (UT)

I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with Diversified Consultants Inc.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted Diversified Consultants and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and XXXX.
Consumer complaint received 2019-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account had a credit balance of {$66000.00} that was to be refunded to me since mid-XX/XX/2018. The credit balance was on my account as a results of merchant credits that were owed to me for a group of transactions, and ultimately as of mid-XX/XX/2018 Capitol One collected these credit for me. My account accurately reflected the credit balance on my monthly statement. Initially after I requested my credit balance refund to be mailed to me, Capitol one told me they were going to mail me the credit balance refund within 7 days, later they told me they needed to wait until mid-XX/XX/XXXX due to the amount. In XXXX I was finally told the request was being submitted, but instead of mailing me the refund, they simply removed the credit balance from account to nowhere. See my XXXX statement attached herewith, you can see a purchase adjustment dated XX/XX/18 for {$66000.00}, and all they explaining me by phone is that it was moved to unclaimed holding account! I have been trying to call Capitol one repeatedly to get my money, but no one can give me a straight answer. All they are saying is that its going through verification and itll take 7-10 days to get an answer. I have been waiting this 7-10 days forever, finally I was assured on XX/XX/XXXX that it was being mailed out to me on XX/XX/XXXX. After waiting for 2 weeks now, 2 days ago I was told NO check has been mailed to me, and no one can tell me why or what can be done to get my money to me. I find this illegal as per the law capitol one is required to refund my credit balance within seven business days from receipt of request. Here its not been 7 days but almost 90 days! please get this resolved for me immediately as I should have to wait one day extra. They are not even paying me interest on this!
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P. (PA)

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.