davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MO)

On XX/XX/2019, I went online to my credit card issuer 's website to verify that I had received a refund to my card from an outside vendor and upon examining my account details, I discovered that my credit limit had been REDUCED by {$2600.00} without any notice to me. As such, I called the credit issuer 's customer service department and spoke with a Representative who indicated that my limit was decreased due to their review of my credit report that indicated I had too many open credit cards and when I asked the Representative why they had pulled my credit WITHOUT my permission, he indicated that it was something they did from time to time and that a letter explaining their decision was mailed to be on or about XX/XX/2019. In addition, I asked the Representative why the decision was made to reduce my balance so significantly when I have NEVER missed a payment with their bank in the 2 - 3 years I have had their card nor have I ever missed a payment with any of the open credit cards that they felt I had too many of and he advised that due to the information on my credit report that this was the decision they felt was best and he offered no resolution dispute assistance. I advised the Representative that I completely disagreed with their decision for numerous reasons specifically, the fact that by reducing my credit to the amount of {$1800.00} this puts my credit utilization for this creditor at 90 % when prior to the credit limit decrease it was 38 %. As a result, this has had a negative effect on my credit score despite the fact that I have NEVER been in default with any of my creditors whom are all current and have been for several years so I'm not understanding their decision. 

Signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Creditor : XXXX website : XXXX ph : ( XXXX ) XXXX
Consumer complaint received 2019-02-08
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: Experian Information Solutions Inc. (FL)

There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on Experian and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC. (TX)

I sold my car on Thursday XX/XX/24. I deposited my bank draft check from XXXX for XXXX into my new Texas Capital checking account. They put a 9 day hold on it which was expected. The following Friday comes along ( 9th day ) and I log in to discover my account frozen since Monday XX/XX/24 but my check from XXXX processed and available. ( As expected ) So Ive tried to call the number they said to call numerous times interacting with employees who cant seem to reach anyone in fraud but will repeatedly tell you they are gon na put a ticket in? Ive even sent in numerous secure messages through the online portal with a day later straight response, saying there is nothing that can be done. No one has ATTEMPTED to call me from their fraud department to get this resolved. I need those funds and they arent moving with urgency at all. Ive requested to close the account numerous times and for them to send me a cashiers check. At this point, I dont wan na deal with this institution I just want to close my account and receive my funds. I have yet to hear from their fraud department. I called again today, XX/XX/24. I speak with a rep who once again says shell submit my information and someone SHOULD reach out on Monday. SHOULD but not a guarantee. I demand someone reach out to me ASAP or just close my account so we can resolve this matter and I can be done with Texas Capital Bank.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (OH)

I secured a mortgage loan with U.S. Bank in XX/XX/XXXX. I have never been 30 days past due in the last 6 plus years. I filed chapter XXXX bankruptcy protection in XX/XX/XXXX which was discharged in XX/XX/XXXX. All reporting from this loan to credit bureaus both before and after discharge has ceased. When credit is pulled no mortgage even shows with U.S. Bank. This is drastically affecting the recovery of my credit rating. At that time it was XXXX and has remained the same over the last year plus. Please advise. Thank you.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NJ)

Your company JPMCB- CARD SERVICE never validated these alleged accounts. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature. 

My credit report shows the following account numbers XXXX XXXX
Consumer complaint received 2022-09-06
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: AES/PHEAA (MD)

In accordance with the fair credit reporting act FED LOAN SERV account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER HOLDINGS USA, INC. (NC)

MESSAGE TO CONSUMER FINANCE PROTECTION BUREAU XX/XX/2022 From XXXX XXXX XXXX On or about XX/XX/2022, I issued instructions to my bank, XXXX XXXX XXXX XXXXXXXX. at their XXXX XXXX, NC branch at XXXX XXXX, to send a Bank Wire Transfer in the amount of XXXX {$59000.00} to Santander Bank, XXXX. XXXX XXXX XXXX XXXX, branch at XXXX DE, XXXX XXXX, to the credit of XXXX XXXX XXXX, account number XXXX. XXXX XXXX XXXX  transmitted this wire transfer on the same day. 

On XXXX XXXX Santander Bank contacted XXXX XXXX XXXX  to confirm if the wire was legitimate or fraudulent. XXXX XXXX contacted me and on XX/XX/2022, I confirmed to my bank that the Wire Transfer was valid and XXXX XXXX Bank sent a message to the beneficiary bank informing them that the wire was not fraudulent. The next day, I received a phone call from an unknown Vice President of Santander Bank requesting information from me as to the purpose of the wire and again questioning the validity of the Wire Transfer. I reassured him that this wire was for a legitimate business purpose. That same day I received a phone call from my contact that was in contact with an official from XXXX XXXX  XXXX informing me that Santander Bank had frozen the bank account of XXXX XXXX XXXX for some unknown reason. 

For that reason on XX/XX/2022 I requested my personal banker at XXXX XXXX, XXXX XXXX XXXX, to initiate a recall of these funds, i.e. XXXX, and a fraud recall request was sent to the beneficiary bank the same day. In response to the XXXX XXXX request, Santander Bank requested a Hold Harmless Agreement on XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Department informed me that the Hold Harmless Agreement was sent to Santander Bank on XXXX XXXX. As of today, nearly 60 days after this Hold Harmless Agreement was sent to Santander Bank, the funds have not been received by XXXX XXXX Bank. 

The client, XXXX XXXXXXXX, through my contact, tells me that Santander Bank is telling them that they are returning the {$59000.00} to me. But now over 90 days after this Wire Transfer was sent to Santander Bank, and 60 days after the Hold Harmless Agreement was sent to Santander Bank, the money is still being held for no good reason by Santander Bank. 

Please investigate this matter and get a reason for non-return of my money. Neither XXXX XXXX Bank nor Santander Bank is crediting interest on my money that is being held unlawfully by Santander Bank. I want this money returned to me without further del
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (NC)

i would like for XXXX XXXX XXXX, XXXX XXXX XXXX  and regional finance to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports
Consumer complaint received 2022-08-18
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. (TX)

FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry 1 XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX XXXX XXXX XXXX account details Account owner Individual Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 4 years 6 months 6 days 4 XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 25 days 6 XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 2 months 25 days 3 FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 5 years 5 months 17 days 6 XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 13 days 4 XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 10 days 4 XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 1 year 2 months 11 days 1 Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MD)

I am writing because I need immediate action from CARE CREDIT. Your company has allowed fraud to occur and I need it to stop right away. I reported identity theft with the police on XX/XX/2019. I put a credit freeze on my identity with all credit bureaus. I have done all in my power to prevent these actions from occurring. After all of that stress, I got a letter in the mail from Synchrony Bank/ Care Credit that is dated XX/XX/19stating that they are unable to approve my instant credit request due to the freeze from XXXX . That means that even if your company does not do background checks on adding authorized signers to accounts, your company still had run a credit check on me and found a freeze, and then still allowed my identity to be added to FIVE ACCOUNTS ( That I know of ) on XX/XX/XXXX which is when I was alerted by the credit bureaus. I had ZERO notification that I was added to any account, there were no emails, phone calls or letters in the mail to confirm this. It is wildly inappropriate and negligent to allow someone to be added without their consent, and much less without even notifying them. I still would not know that I was added to the accounts had I not had the previous fraud and credit score notifications. 

Furthermore, how could you allow someone ( or multiple people ) to add me as an authorized user after seeing that there was a freeze on my account? It is very negligent and irresponsible to add authorized users without a credit check or any notified consent of the user. To reiterate, to this day, I have not been notified from Care Credit or Synchrony Bank that I have been added as an authorized user on five different accounts. Also, adding five accounts for one person in a short period of time is highly suspicious and your company should be doing more to prevent fraud. 

As you can imagine, all of this has caused a great deal of stress - emotionally and physically. Additionally, it has affected my job because Ive had to take time away from clients to make numerous phone calls to your company, fraud alerts, the credit bureaus, social security offices and the police. Some of these calls have taken more than an hour each time. 

I am requesting a statement from your company that states : I am a victim of fraud, that I will never be added to any accounts in my own name or as an authorized user, and that my name has been successfully removed from all accounts. 

If I do not here back in 15 days from this complaint ( XX/XX/XXXX ), then I will be seeking legal action.
Consumer complaint received 2022-08-18
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)

FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry 1 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX XXXX XXXX XXXX account details Account owner Individual Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 6 months 6 days 4 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 25 days 6 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 2 months 25 days 3 FCRA violations : payments never late XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account XXXX Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 5 months 17 days 6 XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 13 days 4 XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 10 days 4 XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 1 year 2 months 11 days 1 Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dispute this
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I have contacted CitiBank to dispute a charge on my credit card for 2 tickets sold by the merchant XXXX for a service that was not delivered as expected. CitiBank did not dispute the fact that the service was not on par with what was advertised ( a XXXX XXXX XXXX show ) but claims that it is the theater and the troupe that are responsible for the quality of the service and not the merchant. However, I did not purchase the tickets from the theater/troupe ; in fact, when I approached the box office to request a refund, I was told the theater had no record of me purchasing the tickets. Indeed, I have purchased the tickets from XXXX and the notion they don't have control over the performance has no bearing on the fact that I was not provided the service as expected. CitiBank refused to reverse the charge.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I have made my mortgage payments on time. However I keep getting statements that my account is past due and this company is not applying my payments against my mortgage balance but instead they put them in a suspense account and add additional fees. I paid all amounts that were past due according to SLS website : I paid {$89.00} on XX/XX/XXXX, {$130.00} on XX/XX/XXXX, & XXXX on XX/XX/XXXX and all these were additional payments to my regular mortgage payments. 
But as of today my account still showing a past due amount of {$89.00} and i called multiple times for an explanation but they cant seem to explain this. I need to bring my account current. I need a full disclosure of what the added fees are and are they legal and why since my payments are always on time.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NJ)

XX/XX/2019 I feel I was misled by XXXX from the very start of the program. I was advised no money down, no closing cost for closing. This turned out to be not true. My loan officer nor any of XXXX staff was present during the closing. My out of pocket closing cost, totaled {$9500.00}. I questioned this with XXXX prior to closing and was advised my attorney should go over this with me. However, she went over the documents provided by CitiMortgage showing what was my final closing cost. 

Please be advised CitiMortgage and XXXX hand department together is causing a hardship for me with the repairs they are requiring be done to my home. The home is already approved according to NJ State XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, where the property is located has issued violations on the property that is required to be repaired by XX/XX/2019 in order to obtain the Permanent Certificate of Occupancy. This residence is fully rented with myself living on the second floor. 

I am requesting my SCOPE of WORK be re-vised according to the City violations and not XXXX. I was originally told the home inspection could be waived, later told that was false. XXXX rehab department that works on behalf of CitiMortgage director is not allowing me to speak with CitiMortgage directly. I was advised by XXXX XXXX the director, I will be in default of my loan with CitiMortgage although my loan is no longer being serviced by CitiMortgage. 

The staff bullied me into agreeing to repairs they mandated were needed per the home inspection which were not true. The home inspection report does not list any issues with lead in the interior of the home. This will consist of the health and safety if the issue was identified in the property. 

The staff is not credentialed that are creating the scope of work and should not have forced these obligations upon me if the home was already approved by NJ. I am attaching the entire email thread of me trying to get this matter resolve with upper management. I also have emails from the beginning of this transaction. A licensed NJ contractor have advised on multiple occasions the required work is not needed. I also have had several other contractors who refused to work with XXXX due to terrible history of working with consumers and contractors. 

Thank you in advance for reviewing this matter. Please feel free to contact me at anytime regarding this matter. I have several email trails regarding this process from the very beginning. I am having severe anxiety due to this matter and would like it resolved.