davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Dear sir or madam, I opened a Fifth Third bank Essential checking account on XX/XX/1919. At that time, Fifth Third bank has a checking account promotion. 

{$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX ** checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. 

I have maintained over {$500.00} in my account since XX/XX/19. On XX/XX/19. I have met XXXX XXXX XXXX of {$500.00} for 60 days. 

I am supposed to receive {$250.00} bonus within 10 business days, which is XX/XX/19. Until now, XX/XX/19, I still did not receive this bonus. I have contacted Fifth Third bank many times, but no solution. 

Could you please help me to solve this issue? 


Best regards XXXX XXXX
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (FL)

Hello, We had Internet with XXXX XXXX XXXX. 
Then my contract finished my wife personally took it to place they said. 
But XX/XX/2018 WAyresgrp collection company send XXXX $ in my credit history.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (IA)

I paid my mortgage below 78 % as of XX/XX/2019. It is my understanding that once below 78 % PMI should be removed automatically by the servicer. After my XX/XX/2019 payment still had PMI I called Guild Mortgage to ask why it had not been taken off. The representative said it is supposed to automatically be taken off, however, I need to request it be taken off in writing and it will take an additional 2 months after my request.
Consumer complaint received 2019-09-20
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2019, my purse containing all of my identification and personal information was stolen. Due to this, on XX/XX/2019, I initiated the process for a 1-year fraud alert to be placed on my credit reports. On XX/XX/2019, I received confirmation that the fraud alert was successfully added to all three of my credit reports. I was told that this fraud alert would require creditors and lenders to contact me directly, before issuing credit in my name. On XX/XX/2019, I received an alert from my credit monitoring service, stating that a potential creditor pulled a copy of my credit file because I applied for credit or services with them. I immediately contacted this creditor to inquire about this alert. Upon speaking with a representative, I was told that an XXXX credit card was opened in my name. I explained my situation and the representative transferred me to their fraud department. The fraud department could not explain to me why I was not contacted prior to this card being opened, even though I had an active fraud alert on my credit reports. I explained that there is an active investigation in progress with my local police department, for credit cards that were used from my stolen purse and that the detective requested that I report any additional identity theft that may occur in the future. I asked for the account number and details about when and where the card was opened and if any charges had been incurred on the card. I was told that they were not able to release any information to me until I completed a report at identitytheft.gov and mailed it to them. In the meantime, I was assured by the representative that the account was closed. In the days that followed, I completed the report and mailed it to the credit card company, as I was instructed to. On XX/XX/2019, I received an XXXX credit card in the mail. To confirm that the account had been closed, as I was previously told, I contacted the credit card company again. An associate advised me that the account had not been closed but had been frozen to prevent further charges from being incurred. I was then transferred to the fraud department to discuss the situation further. I waited on hold for 30 minutes before being disconnected. I called back and went through the same process of being transferred to the fraud department. When I asked if I could have the direct number to the fraud department, in case I was disconnected again, I was told no. When I asked approximately how long the wait would be, I was told that it would be a long time, but they couldn't give an estimate of how long. After waiting on hold for an hour, I hung up and decided to take further action by submitting this report.
Consumer complaint received 2019-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (VA)

I'm currently resident in Virginia and XXXX-XXXX XXXX student. 
Before now, I was based overseas as an XXXX XXXX with visits to the USA only. 
I recently received a credit score from XXXX  and XXXX which specified that a MACY/DSNB account : Partial Acc # XXXX was opened on XX/XX/2013 and first reported on XX/XX/2013 with a credit limit of {$100.00} and High Balance of {$98.00}, is against my name and SSN. 
I emphatically state that I NEVER opened any account with MACY as I was NOT resident in the USA at the time / nor present in the country and I WAS NEVER aware of this account existence and was NEVER initiated by phone /email /any other form of communication contact by MACY. 

Please NOTE that this as far as I am concerned is an IDENTITY THEFT and infringement of my right as an individual. 

I NEVER entered into ANY contract with MACY and this is NOW on my credit report. I am only made aware of this on returning to the country, on getting my credit score for purchases and trying to settle in for my XXXX studies. 

I need this to be expunged by MACY from my Credit record urgently.
Consumer complaint received 2019-09-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (MN)

Since opening an account with Harley. I have received calls from the collection department even before my first bill was due. They called it a courtesy call to be reminded that my first bill was coming up. ( 8 call total ) I told them about email. 
Since that time theyve repeatedly called. From the cell number to my work number. To the point my boss had to tell them to stop calling because they were occupying the work line. Now they call 8 times a day for sure because I have saved all my call logs. I understand a late call or reminder but theyll get this way when its on the due date and keep it up everyday till its paid. Ive asked whats the point of having a due date if Im called on it every time. Its not even late at that point its ON the due date. Im at work XXXX which theyve been told this. Ive even set up a payment date when late or going to be late on the website to be automatically withdrawn from my bank account and Ill receive calls till THAT date. I pay the late charges when late but Ive never been a month late. Ive been days and at most a couple weeks. We had Harley for three years with another account and was always in good standing and still is. all this started with the new account days before the first bill was even due. ( Never  experienced these call before and weve been late before ) Then it was a day or so before the due date which I asked why do I have a due date. Then to them calling 8 times a day if not more on multiple devices on the actual due date. Heres XX/XX/2019 call log for example. 

Calls start// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes I understand paying my bill on time would avoid this but life happens and the fact it started before any bill was ever due or on due dates is the issue.
Consumer complaint received 2019-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (AR)

You also agree to allow SC to request a refund of any credit insurance, life insurance, GAP coverage and/or service/warranty contract ( s ) that were financedunder your contract or loan and apply any and all refunds to the remaining balance dueon your account after the payment made by you of the Settlement Amount. Payment of the Settlement Amount must be received by one of the acceptable methods of payment set forth above and by. The settlement may have tax implications. Please consult a tax advisor to determine the impact on your specific tax situation.If you have any questions, please contact the Loss Recovery Department at XXXX. Our Customer Service Business Hours are as follows : Monday through Friday XXXX XXXX, Saturday XXXX XXXX.Sincerely, Santander Consumer USA XXXX.Loss Recovery DepartmentXX/XX/2019
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IN)

On XX/XX/2019 my bank account was charged an overdraft fee. The overdraft fee is {$36.00}. After my account was charged the overdraft fee the balance is my account was - {$30.00}. This is the 3rd time this has happened with this bank. If my account was overdrawn to where I should be responsible for an overdraft fee my account should be further negative than the amount of the fee. Which my account never even shows me being negative more than the amount of the overdraft fee, it is actually less even after they charge the fee. We spoke with them and they claim that what shows on their end is different than what we can see. They say it is not a bank error so they will not reverse the overdraft fee.
Consumer complaint received 2019-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed with TransUnion over 15 times about a negative XXXX XXXX dealer services that's on my credit report in every dispute I requested a reading sign contract with my signature on they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act
Consumer complaint received 2019-09-20
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. (GA)

Experian has failed to completely remove the XXXX collections which were incorrectly placed on my credit file. I've had to initiate several disputes against the collections and while no single dispute exceeded thirty days, in aggregate it's been more than thirty days for what is essentially the same issue by the same collection agency which Experian has failed to properly handle.
Consumer complaint received 2022-11-30
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I inadvertently transferred {$6000.00} from my personal account into an account indirectly linked to my account within the same bank. When I realized the error, we called the bank and spoke with a customer service represented at the bank on XX/XX/XXXX. A claim was processed and the funds were reversed out of the wrong account on XX/XX/XXXX, one business day after we filed the claim. Today is XX/XX/XXXX, and the funds still have not been deposited back into my account. I spoke with a customer service representative on Wednesday XX/XX/XXXX, who assured me that the funds would be back in my account by end of day. They were not. I spoke to a customer service representative again on Thursday XX/XX/XXXX who this time said the process takes 3-5 days from the reversal of funds to be deposited back into my account. I do understand why it takes so long and where the money is in the interim. The accounts are linked and within the same bank. Per the CFPB site, Reg E, 1005.11, The institution shall correct the error within one business day after determining that an error occurred. '' The funds were reversed within one business day, but they bank is still needlessly holding onto {$6000.00} of my funds for no apparent reason other than for their own benefit. It has been 9 days since we filed a claim. This behavior on the part of a big bank that is taking full advantage of an inadvertent error on my part to leverage the use of my funds. I would like to understand where my funds are between the time they took them out of the account in error and where they are now. I have not received a satisfactory response from the bank customer service reps other than " this is the process and it takes 3-5 days ''. To make matters worse, they made sure to give me the run around, connected me to several wrong departments, and hung up on me several times while putting me on hold forever.
Consumer complaint received 2019-05-01
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

Onemain Financial Gr. on XX/XX/2019 lured me into checking to see if I prequalified for a loan and stated it would not be a hard inquiry on my credit report, and it clearly was is a hard inquiry on my credit report, which has now had an effect on my credit report
Consumer complaint received 2019-05-01
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. (CO)

On XX/XX/XXXX at about XXXX I received an email receipt from XXXX notifying me of a purchase on my Citibank credit card XXXX in the amount of XXXX. The purchase was not made by me and my wife was currently at the Dentist when purchases were made. I then logged into my Citibank mobile app to investigate and noticed a second charge for XXXX was also now pending. I immediately locked the card and reported it stolen via the app. I then called Citibank to dispute the charges ( the app makes you think you can dispute it via the app but it then says you need to call them ). 

I was under the impression that the charges would be reversed while the dispute was investigated. Perhaps this was an assumption I made based on my prior excellent experience with fraudulent charges on my Chase credit card. However, on Saturday, XX/XX/XXXX I noticed the charges were still on my statement and no longer pending nor reversed. 

I called again to check on the status of the dispute, but given it was a Saturday the rep told me I would need to contact their security department during the week for an update. I tried to get clarification on the timeline as to when charges would be reversed she believed it would be within 7-10 days was otherwise unhelpful. 

On XX/XX/XXXX, I noticed the charges still have not been reversed. I again called the dispute number listed on the website XXXX and spoke with XXXX ( Employee ID XXXX ) to verify the status and clarify timeline. She said she has submitted this with priority status and should expect to see the credit in 2-3 days. She also offered a XXXX $ account credit for my troubles. 

Today, XX/XX/XXXX the transactions have still not been reversed, nor have I received the XXXX $ credit XXXX offered. 

On a somewhat related side note for other consumers, I signed up for a Citibank checking account due to a XXXX $ promotion if you spend XXXX $ on the debit card and a qualifying bill payment. This credit was never received. I realized this after I started this dispute and called them about it and the rep said it was scheduled to post on XX/XX/XXXX, but it never did. 

It appears Citibank does not honor their verbal commitments and thus I feel it necessary to send a written letter to dispute and required by CFPB
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-01
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: DISCOVER BANK (AZ)

I have previously filed a complaint against Discover. I am getting this as a response from them : Executive Office of Discover Financial Services Tue, XXXX XXXX, XXXX XXXX  ( 18 hours ago ) to me Dear XXXX XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau and the Office of the Arizona Attorney General. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to discuss your concerns, please feel free to contact me at XXXX, weekdays from XXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX XXXX I have called Discover at this number well over 50+ times. I am never able to get a hold of XXXX XXXX. I have called from different phone numbers, I have sent e-mails, I have sent written correspondence to Discover and to XXXX XXXX 's attention, no response. Discover has flat out advised me they will not assist me because I contact the CFPB. Where is the oversight? Where is the accountability for this company to act illegally, unethically, and flat out rude and deceptive at every interaction at every level within this organization.
Consumer complaint received 2023-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

I had a bill with XXXX. It was sent to collections and i paid the bill in full to comast. It cleared through my bank. It was reported on my credit report by 2 different collection agencies for 2 different amounts. I disputed them both and one was removed. However, the collection agency, covergent outsourcing Inc, will not correct the issue. I disputed it through all credit reporting agencies providing proof of it being paid and with convergent outsourcing several times. The dispute just keep coming back as the information being accurate. So then I requested verification of the debt. Convergent outsourcing sent me the original bill from years ago saying it was valid as of XX/XX/XXXX. This is incorrect because I paid it to XXXX. Sending a copy of the original last bill from years ago isnt proof of the amount owed as of current. I have tried several steps the get this corrected and they will not update or remove it from my credit report, even though when I paid XXXX they told me it would be removed from my credit report.
Consumer complaint received 2023-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I ordered 3 AMEX gift card totaling of {$2500.00} back in XXXX. And once I received and activated them, my cards got declined all the time. And I had no issues before when using these gift cards. I called AMEX, they confirmed with me it was identity issue, and I asked if there is anyway to get the problem resolved. They said no, and might be used in person to avoid identity issue and deactivated my cards which is not reasonable, and I am the owner of these cards. I then called the 3rd party where I ordered these card from, the agent from the third party was pretty helpful, communicated, helped me to reactivated these card. This process took more than 2.5 months. However, after XXXX weeks, my cards got declined again and again. It looks like I can't even use them in person. It makes no sense to me that I am going to waste {$2500.00}, and if this is the case, it's a scam of AMEX. I ordered these card because I had no issues before, and if I knew this case earlier, I wouldn't have avoided this option. I am really frustrated about the way how they solve the problem, and they don't care about how much money it's related, because it's not their money and they already sold it. I am kindly asking them to give me a solution how to use these card please.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (FL)

Medicredit keeps calling and sending bill for a hospital bill on XXXX XXXX XXXX XXXX XXXX. He is an adult and I am not Financially responsible for his bills. In fact he does not live here due to him being in XXXX. We have inform them of this numerous and they still harass me, Not only harass me but told me medical info on son which is a violation of HIPPA.