davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

Let me tell you a story about CITI Bank and how they treat their cardholders. 

My family and I went on a XXXX, in XXXX of 2015. Before we left I contacted Citi Bank and informed with a nearly complete itinerary of where and when I would be in XXXX and that I would be making a substantial payment on my card so that I would have plenty of credit available. At the time I had a {$10000.00} limit. I was informed I was all set for my trip and that I would not have any problems. 
Apparently several days after I left ( remember CITI knows when I was leaving ), my credit limit was reduced by CITI to {$6500.00}, approximately how much was charged on the card, therefore I had about XXXX credit available. When I found out via a satellite courtesy call from the ship to CITI, an account manager recommended paying another {$1000.00} down on my card and I would be all set for the rest of my trip. So we did a phone transfer from my bank to the card. All set again right! 
So 5 or 6 days later when it came time to disembark in XXXX and come back to the good old USA, it turns out CITI refused the charge. Since it was the only card I had with me I was stuck, for all intents and purposes trapped with my wife and XXXX daughter. Fortunately another family member on board had another credit card for us to borrow. 
Finally about 3 or 4 weeks later we decided to confront CITI with this fiasco and how this happened. We called CITI and a customer care representative made about a half dozen excuses ' and then said CITI bank was sorry and they would give me {$100.00} for my trouble. I said that was unacceptable and I would like to speak to a manager/supervisor about this. There was no one available at the time, so we being understanding offered to make an appointment for a call back. The appointment was made for 4 days later, during normal business hours. The phone call never came. I guess we are n't important enough to call back. 
So a couple of weeks later, a few days after the next bill was due and I did n't pay it. I decided that would be the best way to get a call back. I missed the call that came 3 1/2 weeks later. 
Finally I spoke to an array of CITI another 2 weeks after that, and here are the excuses : My second payment was put on a 5 day hold because it was my second large payment in a monthThe employee who advised me of making the second payment had no knowledge that the hold would be made ( even though it is one of their policies according to another CITI member ). 
I finished my phone call with a customer service manager ( named XXXX ) who proceeded to tell me that it was only bad timing ( possibly a coincidence ) and not CITI 's error in way whatsoever and there was nothing he could do for me. I took that as TOO BAD. 
I do n't believe in coincidences, these decisions were made by CITI intentionally to get as much repayment as possible regardless of the cost to me the customer. I plan on taking CITI to some type of civil court so I can at least expose their ruthless inhumane to more people.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MA)

I've been to 4 differe

nt Chase branches and each time they come up with new and exciting reasons why they can't cash my Cashier 's Check drawn by Chase.

The Cashier 's Check is from an old business account of Chase. I've been told I need a business account. I apply for a business account and Chase denies me. I tell them that they wont issue me one and they say they can't do anything without a manager. Of course there is no manager in today and they'll call me back. I've never gotten one callback. As far as I'm concerned Chase has stolen {$6900.00} from my business. As Chase refuses to cash the check that they wrote for no reason.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXX ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

My mortgage was originally with Ameris Bank who then sold it to XXXX. XXXX has yet to receive the payments that Ameris Bank took and cashed from me in XXXX and XXXX. I have been unable to reach Ameris Bank at any of its numbers and I constantly get a recording that goes nowhere. I have raised the issue with XXXX as well but have not had any followup from them. Now XXXX is telling me I have an escrow shortage. Ameris Bank sold the loan sometime in XXXX apparently but somehow XXXX hasnt gotten the payments. At a loss on how to contact anyone at Ameris Bank to get the payments over to XXXX so it can be applied to my account.
Consumer complaint received 2020-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (CA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Equifax Credit Bureau : Inquiries : 1. XXXX  XXXX XXXX   XXXX 2. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX  XX/XX/ 5. XXXX XX/XX/ I did not authorize anyone employed by these Equifax to make any inquiry and view my credit report.
Consumer complaint received 2022-09-11
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)

Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Consumer complaint received 2020-06-30
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, someone fraudulently used my Wells Fargo debit card in a liquor store for {$300.00}. On that day, I never left my house and have only one debit card which was in my pocket and is never lent to anyone. I have never been to the liquor store and had to XXXX it to even know what it was. While reviewing my bank accounts in early XXXX, I discovered the fraudulent transaction and contacted the bank. They reversed the charge and began an investigation. Claim number XXXX On XX/XX/XXXX, Wells Fargo sent me a letter ( which I got 10 days later ) saying that they had investigated and concluded that I had used or permitted someone else to use the debit card. This was based on information received from Visa - essentially that their electronic system showed a card number, pin and chip signature that matched. I was not given any information on what the card number, pin or chip signature was. I was then assessed the {$300.00}, plus {$2.00} for the use of a non-Wells ATM. 

I called the customer service number provided and was told that the bank uses the Visa data as conclusive, that I must have given the card to someone to use or had it physically stolen ( neither were true ), and that they had no ability to reverse the finding. I was told by the specialist that my only recourse is to file a police report and hope that a criminal investigation done by our local police will show something different. I was also told that I had to prove that I didn't let someone use the card - in other words, that I am a liar and have to prove an impossibility. I was also told that there was no recourse to contact VISA about the quality or details of their investigation. I was told that they would mail me their documentation. Essentially, I was shut out of any real resolution and called a liar in the process. 

We have been WF customers since XXXX and maintain multiple business and personal accounts, but will no longer do so. I was ripped off twice - first by whoever stole my card information and then by Wells Fargo. This is not the first error by Wells Fargo that we have had to address, but it will be the last.
Consumer complaint received 2021-02-28
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: Santander Consumer USA Holdings Inc. (TX)

The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for six months to Santander during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX ) on the loan to Santander and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to Santander with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Santander was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer Santander is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.
Consumer complaint received 2022-09-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion did not investigte an account on my credit profile for Dept Of EDXXXX, U S DEPT. OF EDUCATION/XXXX, and XXXX XXXX XXXX this is not my account and I hv never hd an account with them.
Consumer complaint received 2020-04-30
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. (CA)

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

Cash app kno n we scammers an glitches and stuff and fraud basically my XXXX sends me money that way and when I hit cash out to cash out and let it go to bank it keeps going instant per glitch on their end I hate cash app but this person only used cash app so when I been fighting with them they refuse to refund me fee they refused to fix anything and keep up with the same excuse plus they are known for scamming and doing his kind of stuff I had an atty contact me before because of this so I would like for them to refund my fee
Consumer complaint received 2020-10-18
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. (LA)

This company is still reporting a public records on my file that aren't mine. I have sent them a letter directly from the bankruptcy courts showing that they aren't mine and I have also filed an FTC identity theft report showing this same information and they still refuse to properly take the right steps for victims of identity theft and that is given to me under federal laws due to the FCRA.
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received your letter regarding my request. I then repsponded with a follow-up letter regarding the matter. I've now decided to file a complaint with CFPB and the FTC. As what was provided to me does not meet the standard as pursuant to the FCRA requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification I requestedfor VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. None of the information provided me met the legal standard. 

I have attached the documents sent to me by Midland Credit Management they do not meet the legal requirement of the FCRA
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP. (MA)

I recently noticed this delinquent account. I assumed my insurance had paid everything after I totaled my car because I never received a bill or any accounting. I can not possibly owe this much! Also, you are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-06-19
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. (NC)

I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.