davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

Date of transaction : XX/XX/XXXX Name of the bank : CitiBank The amount of the money paid to CitiBank : {$8000.00} What CitiBank committed to provide you : CD Nature of dispute : We have a joint saving account with CitiBank. On XX/XX/XXXX I called CitiBank and talked to customer representative to transfer {$8000.00} from our saving account to CD account. The customer representative immediately transferred {$8000.00} from our saving account to CD account upon my request. I was looking at my account online when I was talking to her on the phone. I immediately saw {$8000.00} deposited in CD account. I immediately printed the copy of transaction. It is with me now. Then, the next day I went to check my account, {$8000.00} disappeared from the CD account. I called the customer service immediately. She said she did not know where the money went but said they will investigate. Since then we have been calling on regular basis ( we called then on XX/XX/XXXX, XXXX and XXXX ). They kept on saying it is under investigation and money will reappear in our saving account. They did not give us any case number or any written communication. We called again on XX/XX/XXXX and XX/XX/XXXX and talked to supervisors who said it may take 5-7 days. No money deposited in our saving account. So we called again on XX/XX/XXXX. This time my husband demanded to talk to higher up and very reluctantly they connected us to their, '' Executive Response Team ''. We talked to guy by name XXXX who said he will help us get our money back. In fact he said he is sending an email to another department to process our request to put the money back into our saving account. He gave us a case number and said he will call us as soon as the money is transferred. So far he hasn't called. We still don't have money deposited in our account. They have been giving us run around and lies. 
Please note that we are senior citizens.
Consumer complaint received 2023-02-07
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. (NY)

Good morning I have sent 3 letters of dispute to the 3 credit bureaus equifax, XXXX XXXX  XXXX asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards Equifax 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 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
Consumer complaint received 2018-06-26
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: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/2018, I transferred my XXXX XXXX points to my wife 's XXXX account. My wife is the authorized user of two of my Amex cards. This transfer went through. Then I tried to transfer XXXX XXXX points to my own XXXX account, and the system said " it can not be completed because I'm selling points to other people ... ''. I tried the transfer again, the system said my XXXX account is now under review. Called immediately and the rep told me the review will take 6-8 weeks.

This is really unacceptable, since it was Amex 's customer representative who taught me that I can transfer my points to authorized user 's airline account! Now I did what Amex suggested and they think I'm selling points, to my wife who has my family name and live with me under the same address. This practice is really deceitful and underhanded on Amex 's part, and I shouldn't wait for 6-8 weeks and watch the reward air ticket seats for our third wedding anniversary 's trip gone during the period!
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

This is my second complaint to Citibank, the CFPB Case No. XXXX for the first complaint. I received a letter from XXXX XXXX an Executive Response Unit employee. My issue is that my Citibank account was locked for several hours because they said a check I had deposited for {$5000.00} was possibly fraudulent, I had to miss work and go to a bank branch to handle the issue, and it caused a big inconvenience in my end, because I had no funds to use and had to miss work without getting pay because of Citibank. I want to know what is going to be done about that from their end.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

My name is XXXX XXXX I have a personal loan with Onemain financial located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX On XX/XX/XXXX I fell  behind on my account due to unexpected expenses Onemain Financial offered me a 2 month deferment. A representative of Onemain name XXXX called me asking for payment. I mentioned to her a had a 2 month payment deferment and my account was due for XX/XX/XXXX.XXXX was very rude to me treated me to take me to court if I didn't come into the office and make a payment. I told XXXX that my check was low this month and i was under the impression payment deferment was going to help me. XXXX stated talking very loud and demanding payment. Requested XXXX to please not speak to me in a disrespectful way. I also advised XXXX that before treating me Onemain was going to take me to court I have to be severely delinquent and not wanting to work with them after exhausting all the possible options to help me. XXXX then called my son who i the co-borrower and told my son my account was over 90 days past due. which is not true. XXXX also treated my son to garnish his wages. XXXX so rude and out of line she made me cried when she was screaming at me. I believe this is an abusive way to contact a customer. Specially after misleading me with a different for 2 months. I just hope this doesn't happen to another customer.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One Master card that had a {$7000.00} dollar limit. Capital One decided during a pandemic to lower my credit limit to {$1500.00}. I was never late nor have I ever missed a payment. There decision was based on my minimal usage only. During a pandemic when Americans are stressed out, although I am working, I could be laid off any moment and I have a high risk family member. Capital One has just increased my worries and anxiety. Not to mention this will greatly affect my credit score because it will increase my utilization percentage. They disguised this has them doing me a favor and looking out for my best interest.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/20 I requested a free annual credit report, I received my reports from XXXX and XXXX but not Transunion. On XX/XX/20 I received a letter from Transunio stating they could not locate my report so I gave them a call on XX/XX/20 and they were able to pulled my credit report and mail it to me which I received on XX/XX/20. The issue I am still having is I an trying to sign up for a credit monitoring program called " XXXX XXXX '' but for some reason it can not pulled my Transunion report. My Transunion is still showing on " XXXX XXXX '' so I do not understand why Transunion keep having an issue with location my report. Please help me because I need this situated as soon as possible Thanks
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX XXXX XXXX
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Loan went into repayment period starting XX/XX/2018 with wrong interest rate. Loan issuer Navient is charging 5.594 % interest when loan documentation shows interest should be 5.31 %. Called the company to resolve ; customer service plugged in the numbers and said I was right but they would not do anything to change the monthly payment to reflect the correct interest rate.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (NC)

I constantly receive offers from Credit Karma stating I am approved for loans through their vendors/lenders. However, my credit score is always too low and I am always turned down and denied. This affects my credit score. Offers shouldn't continue to be sent if they know I dont actually qualify. It is a huge waste of time, causes my score to decrease, and can also be unsecured as much as I enter my social security number along with other personal information.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

My father passed away. He died with three healthcare aides that needed to be paid, but his Wells Fargo account was frozen before that could be accomplished. 

His account had my brother and I designated as beneficiaries. My brother brought a death certificate to a NY branch and was given his share. I asked the NY banker by telephone if my share could be wired or sent ACH, and he said I had to visit a Branch to get a cashiers check ( Waste of time # 1 ). I went to a branch in XXXX, CO and sat there for over half an hour ( Waste # 2 ), while the banker was on hold trying to remove a hold from the account so my cashiers check could be drafted. In disgust, and to go to a business meeting, I left. He hung up on the XXXX XXXX line, and nothing happened. He then told me I had to be present when he dialed the XXXX XXXX group and wait in his office until they answered because they were going to ask if I were there and if he verified my ID. He verified my ID in the first 30 seconds of that 30 minute wait. 

Firstly, a half hour wait on hold is disgusting, and a clear demonstration of the lack of respect for anyones time. It was a waste of my time and the banker 's. Second, why should one group place a hold on the account, when the death has been verified, just to ask if the beneficiary has been authenticated, and require processing by telephone? Is that really so difficult a question that it should be restricted to a small group that clearly has more demand than supply for time. Why can't the authentication be done and the question answered through the same web site through which they look at the account? All it would take is the banker answering a yes/no question and filling in a document number ( passport, DL, etc ) on a webpage. Third, what is with this policy that I have to be present for the banker to call. These seem like an intentional obstacles to keep me from my money.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately
Consumer complaint received 2020-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (UT)

I refinanced our mortgage and closed on XX/XX/XXXX. Ditech owed us {$3300.00} from the escrow account. 
On XX/XX/XXXX I called Ditech, and they said they mailed a check for the full amount the previous Saturday, XX/XX/XXXX. and gave me the check number. It has not arrived, and it has been 9 days. 

I called Ditech again today, and they said it must have gotten lost in the mail. I was warned beforehand that it could be difficult getting the escrow refunded in a timely manner. I was also told there are regulations that lenders must follow in re : to returning escrow funds, and I research this. There are regulations and fines, and I believe Ditech needs to be investigated and fined for not returning our funds within the required timeframe.
Consumer complaint received 2018-06-24
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. (MA)

I been going back and forth with the original creditors, collection companies and credit bureaus ( experian, XXXX, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.
Consumer complaint received 2020-05-01
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2018-06-25
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. (NJ)

My complaint is against Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX 1. On XX/XX/2018, I initiated a transaction with XXXX and placed and order for an amount of {$260.00}. Soon after that I called and modified the order and the charge was {$220.00}. However, XXXX processed both charges, when only the {$220.00} was the valid one. 

2. I called XXXX and they promised to refund the charge. I have email correspondence with XXXX validating that there was an error on their part. However, after waiting for 2 months I disputed the charge with Citibank explaining the reason for the dispute. 

3. Instead for honoring my dispute that that merchant agreed to Citi denied my dispute I had claimed on one of the transactions from XXXX. 

XXXX. The XXXX charges are XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   {$220.00} Valid & Correct. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX {$260.00} Should be refunded. 

I have sent letter to Citi with copies of the emails from XXXX. I also contacted them via XXXX, where I was promised a response. 

I appreciate any help in resolution of this issue.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blackhawk Network Holdings Inc. (UT)

I had a virtual prepaid mastercard giftcard through XXXX ( card issued by XXXX  ). They restricted what services I could use the card for. Specifically I wanted to use it to pay my water bill ( my water provider accepts credit cards with no extra fee ) and they kept declining the transaction. When I called the card issuer they said I could not use it for that and only for regular stores.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I work in a XXXX company that imports goods from the United States, usually the company pays these suppliers in accounts in the United States. In the last days, a criminal has falsified the email identity of a supplier employee and asked us to change the payment account to another number. And this communication turned out to be a fraud. We learned that it was fraud when the provider notified us that you had not received payment and asked them to confirm the information. We want to report fraud and the account that received the proceeds of fraud through this channel is : Banking Information : Bank Name : JPMorgan Chase Bank Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX The transferred value was XXXX usd I do not know the name of the beneficiary of the account
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (CO)

My card was again declined and the card was blocked after trying to make a small purchase ( cup of coffee in this case ). This is the third time my card has been permanently blocked by this company and they did not contact me when they blocked the card. Rather I had to call them and wait on hold for hours before anyone could help me.