davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/2019 while I was on vacation out of my home state of California, I was the victim of credit card fraud on my Citibank credit card. I had vacation notifications set with Citibank, listing the places I was going.I was available by phone at all times. I charged my airline tickets, hotel reservations and rental car on the Citibank credit card. At no time while on vacation was I contacted about activity on my account in California while I was in South Dakota and surrounding area. When I finally was contacted later in XXXX, I disputed the fraud charges then I waited until XXXX to hear back from Citibank that I was liable for the fraud on my account because the charges were " chip enabled ''. I tried in vain to explain that, that was not correct, one charge, for example, was an online movie rental, impossible to charge by chip. They would not listen to reason. When I tried to contact Citibank I was told since the case was closed. They no longer would discuss it on the phone but I could submit further documentation by mail. I sent a series of both registered and regular mail letters and never received a response. I went to my local branch and was told they could not help me. I appealed to the bank manager who gave me a new phone number of a " supervisor '' named XXXX XXXX, in the fraud department. She listened to my story, told me that the decision was " set in stone '' but she would get back to me and I have never heard from her again. I contacted XXXX XXXX for assistance and they told me to file a police report which I did. This was submitted to Citibank. When I called to follow up with my case I was told they never received the police report. When I asked if they wanted me to resend it they said that wasn't necessary because their credit cards can not be duplicated. It was sent again anyway after the fax number was confirmed to be correct. I am now getting collection calls because I did not pay the fraudulent charges and my FICO score has been affected. I can not reach anyone who will look into the details of my case and see that it is impossible to make charges in 2 different states on the same day. Citibank only ever gave me one credit card which was in my possession at all times. Clearly it is possible to duplicate their  card because it happened. I need to get these charges and accrued interest reversed from my account. I am obviously not using the card any longer.
Consumer complaint received 2020-02-21
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 (AZ)

I paid off my credit card in full and they charged me interest after the fact. Not only that they withdrew money from my account for the minimum payment and then deducted money for interest after I paid off my credit card And would not refund my money.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Ive disputed the derogatory account on my credit. The dispute came back and says the information is accurate. That information is accurate. XXXX XXXX XXXX got their money. I am being harassed.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2020-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

To date, BBVA Bank has failed or refused to investigate, provisionally credit, and/or ultimately reverse all unauthorized charges that compose my dispute which BBVA assigned XXXX XXXX. XXXX. 

FURTHERMORE, BBVA BANK REFUSES TO COMPLY WITH MY REQUEST TO PRODUCE ALL DOCUMENTS AND RECORDS UPON WHICH IT PURPORTS TO HAVE BASED ITS FAILURE AND/OR REFUSAL DISCUSSED IN THE PRECEDING PARAGRAPH. I REQUESTED THESE DOCUMENTS AND? OR RECORDS FROM BBVA BANK THREE TIMES XXXX ONCE VIA TELEPHONE ON XX/XX/2020 at XXXX hrs ). THE FIRST REQUEST WAS : From : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX : XX/XX/2020 at XXXX XXXX PDT To : XXXX XXXX
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of internet fraud as can be verified by XXXX XXXX. I requested billing by mail as had been done in the past by Capital One.Again this month I looked at my email and there was a notice to pay and referred to my checking account.Other Companies have had no problem sending a bill.It is very upsetting as I have been a Capital One client for years.
Consumer complaint received 2020-02-21
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: Santander Consumer USA Holdings Inc. (FL)

XXXX  submitted an inquiry to XXXX  for my credit report for a loan. I never applied for a loan through them nor did I authorize anyone to do so on my behalf. The inquiry needs to be deleted from my credit report by request of this lender who fraudulently requested a copy of my report without consent.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo is my mortgage originator for my first and only home The originator specifically told me that once I hit 80 % LTV I could call and remove PMI. He said I could make double and triple payments to get to 80 % early and cancel it early. 
I did this within 1 year of my loan starting and I called and sent a letter but they would not let me cancel I filed a complaint because I was mislead and Wells Fargo eventually learned the truth that their local loan originator made a mistake and he admitted to misleading me. 
Wells Fargo wrote me a check for XXXX $ for this inconvenience They still would not let me cancel PMI until I hit 78 % so I started working hard to continue extra payments towards principal then within a month they sent me a letter saying they would not let me cancel PMI until it was originally scheduled even if I hit 78 %. This letter seemed to be a made up rule they developed because of the problem I brought up. 
I continued my plan and I hit 78 % early with extra payments. I then sent them a cease and desist by mail and talked to them and they still declined to remove PMI and require me to use a BOV or an Appraisal. I was able to get a BOV but now they are not being accessible to phone calls and they seem to be requiring me to use one of their in house brokers/appraisers. 
They will only let me talk to one person in their office to get any answers and that person is not alway available. 
Please help me cancel my PMI I have a great job, a great credit score, I have great family support and I have never missed a payment or been late on a payment. 
I do not see why I am being forced to pay this PMI I can sent any supporting documents as necessary
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/XXXX I opened a mortgage with XXXX XXXX, later XXXX XXXX XXXX started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Consumer complaint received 2020-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On XX/XX/2020 after several attempts to pickup a money gram transfer reference number # XXXX at the following location MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The recipient stated the Teller XXXX stated the transfer was unavailable for pickup. 

Upon her return the transfer was tracked twice and found to be available. On the last time there was no record found. 

I have my receipt and the money transfer shows up in my within my account online. 

I called the location and XXXX stated that transfers can not be picked up from where it was initiated which I do not believe. 

After being told I had to go to another location which was not true since the recipient has picked-up at the location in the past the next location below MoneyGram Location Details XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX, XXXX, MD, US XXXX ( XXXX ) XXXX The Teller XXXX stated the transfer was unavailable for pickup to myself during a call from the location. She had no other explanation but for me to seek a refund which is not what I want! 

Upon her return i again tracked the transfer and found it to be available. 

I also called into the money-gram automated system and was informed the transfer is available. I also talked to an agent who states the same. 

I am complaining because the transfer was not available as promised. Then after there seemed to be some fraud or deception regarding this transfer and its status. 

I finally had to go back to the location I initiated the transfer and had to call customer service to have a return reference number issued I was offered help to pickup but that was then not helpful and just got a refund. My transfer fees were not returned. XXXX of the XXXX XXXX location stated money-gram had to refund when it was the locations fees for the transfer!
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

on XX/XX/XXXX I opened a mortgage with Wells Fargo, later America servicing company started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (TX)

I closed my Chase Bank account on XX/XX/2020. My account was XXXX and I left with the understanding the account was closed and would not receive any further debits and credits. Today on XX/XX/2020 I was sent a debit to the account I believed to be closed only to find it was still opened and had paid out several debits overdrawing the account with multiple fees. Calling the bank the said pending debits had kept the account opened, but nobody indicated this was a possibility when I closed it.
Consumer complaint received 2020-02-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Real Time Group, Inc. (CA)

This was originally repossessed in XX/XX/2013 it's showing up under a new collector, not the original one extending the time now for another 7 years until it comes off my report. I would have never gotten a title loan if I had understood that the interest was so high I could never afford the payments on my truck. I paid cash {$17000.00} just four years  earlier and owned it in the free and clear I just needed extra cash because my son got into a life and death issue.
Consumer complaint received 2020-02-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (NY)

Hello, I deposited {$5000.00} to CD in Wells Fargo 10 years ago. I have a proof - certificate of my deposit. I tried to take the money back but they say that they have no records of my account. I went to the branch and they said the same thing. They basically stole money from us. I have read the article from the newspaper and they are doing it to lots of people. What is being done about this? Are we going to get our money back? People responsible for this should go to jail. 

I would like to file an official complaint against Wells Fargo. 

Thank you so much for your time
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (HI)

Company has been calling my personal phone repeatedly causing me mental stress. I have changed my phone number a few times but now im fed up due to the fact that this company has been calling multiple times every day. I also have an account that is too old but this company closed the account and reopened it so it would look like the account is still young.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America says they issued me a credit card, however I never received a card from them nor have I ever even applied to receive a card from there or signed any type of documentation or contract.
Consumer complaint received 2016-11-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage will not update my account to reflect that XX/XX/XXXX payment has been made and to reflect my next payment is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage account # XXXX DOB XX/XX/XXXX SS # XXXX
Consumer complaint received 2020-02-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I bought a car when I bought a XXXX XXXX XXXX when I bought the vehicle I had full coverage insurance with an added Gap Policy. I also bought an additional Gap policy from the actual lender. The vehicle was totaled out during the time the vehicle was totaled out the bank was merging with another bank five times they made me take in my paperwork and sign documents to clear the amount owing because I had gap insurance through the lender making the account paid in full with no late payments at all. The company has refused to update my credit reports and all three are showing this issue. The last time I went into the bank they lost my original paperwork. I think they didnt want to cover the bank that they had merged withs deals.
Consumer complaint received 2020-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Credit Control (CA)

Looking at my credit report I saw a collections account from Continental Credit Control opened on XX/XX/XXXX ( original creditor : XXXX XXXX XXXX XXXX ) with a balance of {$110.00}. 

At this time I was living in the school dorms and had sporadic mail access. I was under my mom 's insurance at the time and used her information when receiving my XXXX XXXX. 



Neither a bill from the XXXX XXXX nor a letter from Continental Credit XXXX ever made it to me. Without any information about the account that is attempting to be collected, I sent a debt validation letter by certified mail on XX/XX/XXXX. On XX/XX/XXXX XXXX the letter was delivered. It is now XX/XX/XXXX over two months later and I have not heard a reply to this request for validation and it is still being reported to the credit bureaus. 

USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-11
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX   XXXX : XXXX Experian : XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I opened a Barclays XXXX credit card ending in XXXX on XX/XX/XXXX to earn XXXX XXXX points on my purchases. On or around XX/XX/XXXX, I noticed that I could no longer use the miles that I earned from my Barclays credit card, therefore I stopped using my credit card. This is not the first time I've encountered an issue with Barclays. In XXXX, it took approximately 6 months for my XXXX points from a different credit card to be awarded to my account. 

Understanding that there has been a pattern of XXXX ineptness from Barclays Bank Delaware, I waited a while to see if the problem would fix itself. 

On XX/XX/XXXX, I received an email notifying me that my XXXX XXXX rewards account had been involuntarily terminated and my rewards forfeited. After reading through the relevant terms and conditions, I do not see a provision where my rewards account can be terminated and my rewards points forfeited. 

As I earned approximately XXXX rewards points through this credit card, industry expert " XXXX   XXXX XXXX '' values these at approximately {$850.00}. Additionally, I paid an annual fee for this card in the amount of {$95.00}. 

Since I can no longer earn rewards on this card that is heavily advertised as a rewards credit card, it does not seem right to pay Barclays Bank Delaware a fee when I can not use the rewards. It seems like this product has been deceptively advertised as a rewards card when Barclays XXXX their vendor can confiscate my rewards without any warning while also charging me to do so.
Consumer complaint received 2020-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (CA)

Looking at my credit report I saw a collections account from Kansas Counselors Inc opened on XX/XX/XXXX ( original creditor : XXXX XXXX XXXX ) with a balance of {$1300.00}. 

At this time I was in school and only home temporarily for summer. My mom was with me and supplied her insurance information along with filling out much of the paperwork for me as I was still under her plan. 



Neither a bill from the hospital nor a letter from Kansas Counselors ever made it to me. Without any information about the account that is attempting to be collected, I sent a debt validation letter by certified mail on XX/XX/XXXX. On XX/XX/XXXX XXXX the letter was delivered. It is now XX/XX/XXXX over two months later and I have not heard a reply to this request for validation and it is still being reported to the credit bureaus. 

USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
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: CITIBANK, N.A. (OH)

On XX/XX/2020 and XX/XX/2020, THD/CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizat ion Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX Company, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-02
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 am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Experian, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.