davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
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. (WA)

I had disputed charge with my bank Citi. They sent me the following : Thank you for contacting Citi ( R ) Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2017 {$5000.00} XXXX XXXX XXXX XXXXXXXX WA Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter. We previously issued a conditional credit to your account for the amount in question pending the outcome of our investigation. Now that the investigation is complete, we have rebilled your account for this charge along with any related fees and interest charges. All adjustments will appear on your statement within 2 billing periods.
Consumer complaint received 2022-10-27
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. (NC)

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 XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I was approved for a personal loan through One Main Financial for {$7000.00}. Im on an auto pay of {$300.00} per month in which only {$25.00} of each payment is going to the principal balance. It has now been a little over one year. Ive paid {$3600.00} in which only {$300.00} has gone towards the principal balance. 

Ive requested that {$200.00} dollars of my monthly payment go towards the principal, I was declined. It was said that I had the option to make an additional monthly payment that would go towards the principal, or I could pay the loan off in one lump sum. 

Ive been placed in a position that itll take approximately 7 years or longer to pay off this debt. 

My question is, is this legal? Does the lender have the right to dictate how much of your monthly payment goes towards interest? 

Thank you in advance for your assistance.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MI)

On Wednesday, XX/XX/XXXX i placed an order for a laptop at a local computer shop at. I picked up that order the next day and went home and once i arrived home i spent an hour or so setting it up and while doing so i noticed the display of the laptop was defective so i took the necessary steps to get a repair, which are inform the store of the issue and drop off the device and that i did. A few days go by and i was told the issue isn't able to be fixed and there are no viable options for replacement so i can either take a refund or repurchase. I requested for a refund as the Financial institution i used for this entire transaction was Cashapp or XXXXXXXX XXXX as it's known, now i closed the account i used for this very transaction on Friday, XX/XX/XXXX and this entire interaction for the repair/refund didn't quite finish up till XX/XX/XXXX and which case i went to Cashapp and opened up a live support chat to see what my actions are and they told me to verify some information and which i did and then told me the balance. A few hours go by and i do the same exact actions and even say the exact same messages i said from the first interaction in the chat and all of a sudden i am being told my information is incorrect and to call the support line and which case i did and they told me to go right back to the chat, so it's been a few days now and i have not even been able to access the funds nor even know if there are any and any attempts to find out have been met with the message my information isn't correct or my attempt to access the balance isn't approved and it just feels as if they're keeping my money from me?
Consumer complaint received 2017-08-18
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: Experian Information Solutions Inc. (SC)

I received a recent response back from Experian concerning a dispute and they state the account I disputed was " updated '' however I supplied them with a letter from XXXX where they are stating they are not responsible for the account. My credit report lists XXXX XXXX on the report however the contact phone # sends you to XXXX. The account is not able to be verified and by law if an account ca n't be verified it must be removed. Also, XXXX filed for bankruptcy in 2013 so you ca n't contact them as well. The account must be removed immediately due to this issue.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I applied CITI Business AAdvantage platinum select credit card in XXXX. The card was initially declined due to a previous application in XXXX. So I called the customer service and requested a reconsideration. About 3 week later, I received the approved card in XXXX. Then I immediately called in to activate the card and double check with rep about the opening bonus, which is that get XXXX AA mile with spending {$3000.00} in 90 days. However, I was told I am not eligible since I closed the account in XXXX this year, which is against CITI 's policy that applicant wo n't be eligible for the bonus if they open or close the same product within 24 months. But the truth is that I have not had this card for almost three years. I applied this credit card in XXXX and closed around XXXX or XXXX in the same year. Thus I felt confused and also surprising that the system identify I closed this product just in XXXX this year. Technically, who is opening the same card within one month. It is not logical for the applicants. Thus the suspicious reason to lead this issue might happen during the consideration period manually. So I called in a couple time and tried to communicate with the rep and the supervisor. However, they neither can tell me how the account was closed in XXXX XXXX without any card not call indicate what the error to lead the closure. They blame me to request to closed account. Frankly, they should record the conversations I called each time. The easier way to find who requested the closure is to replay the voice record. I know I did not request that since I have not have this card for three years. So they should make a full investigation and give me a convincing result. in the end, I request CITI to honor the bonus.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

For the past several months I have contacted the creditors as well as the Bureaus to verify these 2 accounts reporting on my credit reports. Both have failed to respond to my request. Both of these accounts below are not mine and they have no evidence of supporting documents pertaining to me. I asked the bureaus and creditors to remove them for my credit reports. They have failed to do so. 

CRDT CTRL CO ( XXXX XXXX XXXX ) Reporting on XXXX and XXXX Account # XXXX Collections Charge off / Derogatory Balance of {$240.00}. 


XXXX XXXX Account # XXXX Collection/ Derogatory reporting on XXXX XXXX
Consumer complaint received 2017-08-18
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: Experian Information Solutions Inc. (FL)

XXXX XXXX responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what XXXX is. I asked XXXX XXXX to send any documents pertaining my signature because I wanted to see. 1.  First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't  verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that XXXX is discriminating me by forcing the account on me. 5.  Someone used my social security number to open up this account. 5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against XXXX XXXX for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, Experian must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
Consumer complaint received 2022-10-27
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; If XXXX and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HEAD MERCANTILE CO., INC. (NY)

On XX/XX/2019 on my Credit Report the account 'HEAD MERCANTILE CO INC ' was added to my XXXX and there is not evidence or record with that agency.
Consumer complaint received 2022-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/XXXX Santander Bank issued me a late payment fee for my Line of Credit Account which I owed to the bank a minimum of {$3000.00} I has paid the bank in principal to pay them off after our banking relationship had been terminated in XXXX. Santander said the regular payment was due a sum of {$49.00} and on top of that late fee {$20.00} on top of that {$69.00} I paid over {$220.00} and up till XX/XX/XXXX of XXXX when it closed I demand Santander to reimburse me the {$200.00} and the {$69.00} for the late payment in XX/XX/XXXX Santander paid me a refund of XXXX cent yes XXXX cents its in their data banks.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to Experian, XXXX, and XXXX and they are still reporting it after asking them to remove it.
Consumer complaint received 2019-11-19
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. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-08-31
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. (TN)

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with XXXX or Experian either and need to be DELETED IMMEDIATELY. They are as follows : XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX A copy of the XXXX report # XXXX is attached below to show proof
Consumer complaint received 2022-08-31
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: MECHANICS BANK (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the JXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a transaction on XX/XX/XXXX by using the XXXX XXXX app to purchase tickets online. This account is linked to my Bank of America account, this ticket seller had fraudulent tickets, and I did not receive them. I requested that XXXX XXXX return my money and they suggested I reverse the charge with my bank. 

I submitted the request for reversal with Bank of America and they did not ask any questions and never reached out to me to find out what happened. I have proof that the transaction was fraudulent due to invalid ticket numbers and Bank of America never reached out to ask my issues and 30 days later has reversed the temporary credit.
Consumer complaint received 2022-10-13
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: CLGF Holdco 1, LLC (IN)

XX/XX/2022 : XXXX XXXX alert about new credit card opened in my name. When I looked at credit report it shows that {$75.00} credit used of {$300.00} limit. 
Called the credit card company and they opened Identity Theft investigation and they directed me to submit complaint here as well. They also mentioned the address to open the account was not the same as my mailing address.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (WA)

Chase spelled my name wrong and is failing to correct it.

I have submitted a copy of my Washington State Driver 's License and DEA License. 
I was told that my Driver 's license expiration could not be seen.

I was asked to submit a copy of my social security card.

I was told that the number could not be read and that they could not correct the name. 
My name has never been " XXXX '' but always " XXXX '' They refuse to change the name or tell me anything other than submit more documents.

I am concerned about Identity theft and refuse to send any more documentation.

They incorrectly put in my name and should not every have asked for a copy of my social security card.

What they are saying does not make sense. I refuse to send them any more information. They have never given me a contact person to fix this nor have they corrected this breech.

I feel that someone is seeking to steal my identity and Chase is not even aware.

I am not sure who else may be undergoing the same " Mistake '' " Accident '' or whatever they call it. If they typed the name in wrong than why are they not fixing it.

Please, I would like to have them remove all documentation on file that has by licensce and social security information. 

Thank your XXXX XXXX
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 


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

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

Since the end of XXXX of XXXX I have been calling about my account being frozen and getting nowhere and no information about my account in XXXX of XXXX I was advised my account was being closed as of today XX/XX/XXXX they have no information still to give me regarding a closure of my account they just hang up in my face and once again I get nowhere regarding this case
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

I pay my Bill card from Wells Fargo in full every month. I went through the XXXX app and paid my full account balance by clicking the pay in full button on XX/XX/2024 of {$4700.00}. I did not realize that a {$5.00} charge posted to my account the day after the statement closed. The statement closed on XX/XX/2024 with a total balance of {$5.00}. This was due XX/XX/2024. I did not see it and got an alert, so the {$5.00} was paid XX/XX/2024. I subsequently was charged a {$74.00} interest charge saying I had owed interest on all my charges from the previous month, even though they were all paid and the statement balance was {$5.00} ( paid XXXX day late ). This is absurd and looks to be illegal and at the very least completely unreasonable. How is this possible?