davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (NY)

Lending Club is apparently a scam. They have stolen {$65000.00} and can not even be contacted. We opened a XXXX checking account with Lending Club after seeing their advertisement online. We were enticed by their range of features they purported to offer, and ease of use, including their online access and mobile application. We opened an account and funded it with {$100.00} deposited from an existing personal checking account. Our account is under the following XXXX name : XXXX XXXX XXXX XXXX We then ordered checks through Lending Club customer service and received them recently as well. We had an upcoming transfer from our merchant processing, which we linked to this new business checking account. We reached out to customer service and let them know the transfer was going to be incoming soon, and wanted to make sure it would be received without any issues. The customer service confirmed there would be no issues, and that we could receive the transfer. On or about XX/XX/XXXX, we received a {$65000.00} deposited into our account. I wanted to move {$25000.00} of the balance to my personal account. I initiated a wire transfer online through Lending Club 's online wire transfer feature. The account is under my exact name, and my home address. I was then emailed several hours later being told the wire was canceled and I would need to provide Lending Club with additional information about my account and photo identification via email. I immediately replied submitting the information. No phone number was provided for any assistance either. I received no response from Lending Club via email. Today ( XX/XX/XXXX ) I was blocked from logging into my Lending Club account as well. All of our information is accurate and was provided to Lending Club as requested. The wire transfer was to my personal account under the same exact information shown on my State identification documents, and is a residential home under my name as well. There is no reason that Lending Club should be able to steal our money like this without any recourse and for no valid reason. These online financial companies now use the " suspicious activity '' excuse to freeze funds at will in an apparent attempt to raise their own profits.
Consumer complaint received 2020-08-21
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: AMERICAN EXPRESS COMPANY (NJ)

Company is failing to adhere to its own stated timelines regarding the processing and resolution of a Purchase Protection claim, as submitted to AMEX XXXX XXXX, a coverage offered and marketed to me as a Cardholder. This is despite every attempt on my part to facilitate the process, and no reasonable explanation for a delay. Please see attached letter and documentation for complete explanation of issue.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Synovus Bank (CA)

I paid my balance and to be sure I covered all outstanding charges I added an extra {$50.00}. This was over 90 days ago and I have not received the positive balance. I have called 3 times and was told there is no timeline for the funds to be remitted. I have been told that the request was already put in on their end but they have no further information. Considering the timeline I feel I'm owed the funds as soon as possible. I would like the process expedited and an explanation as to why they were not automatically remitted to me.
Consumer complaint received 2017-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tribal Lending Enterprise, Inc. (WA)

I signed up for a loan and was told I was in charge of making payments which is no problem, I then received a notice that they withdrew  XXXX  from my account when the first payment was only supposed to be  XXXX . I then signed on and looked and they have a  XXXX  dollar fee attached to all future payments. I never agreed to the taking the money out. And also come to find out they are not licensed in my state of Washington to be giving loans. They stated they are a tribe and can do what thet want but the attorney generals office says not they cant
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Payoff process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to you to address a longstanding issue regarding my XXXX XXXX credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my XXXX XXXX credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off.

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects. 

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause.

In pursuit of a resolution, I engaged in extensive correspondence with both XXXX XXXX and the credit bureaus. XXXX XXXX conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report.

Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with XXXX XXXX for failing to report accurate information, absolving themselves of any culpability in the matter.

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being.

Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and XXXX XXXX. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

Best Buy Citi Bank has decrease my credit card limit without an adverse notice. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The ECOA covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The ECOA requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The ECOA covers applications for credit as well, along with requests for credit limit increases on existing accounts. If you want to dig into the details of these laws, you can read more at Consumer Compliance Outlook.
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ; XXXX and Transunion not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (SC)

Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Highest Balance {$540.00} Amount Past Due : {$0.00} Balanced was paid in full not sure why it is showing payment status current.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AR)

Is it not a law that a credit card must show you how long it will take to pay off a credit card if you make only the minimum payment AND how long it would take you to pay it off in three years?  <P/> The info about paying it off in  three  years and the amount I would need to pay is now absent from my credit card. It was there last month.  <P/> This is  XXXX  Well 's Fargo Bank N.A .   <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ar.  XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX made a large payment to Chase {$95000.00} on my home mortgage loan. When I received the statement from Chase for my XX/XX/XXXX payment I immediately noticed that all of the figures were wrong. In the past when I made more than the minimum payment it was always applied to the principal. This time my payment was divided up into XXXX parts and not all of it was applied to my loan. I do not understand why the amount in excess of my required payment was not applied to the principal this time. I contacted Chase and they could not explain why it was not applied and why some of the money was put into an unapplied fund and why most of these figures are wrong. I went to a Chase bank in XXXX and they printed out the transaction history for me, but they could not explain why this money was handled so strangely. They did not know anything about an unapplied fund. In the transaction history the figures in the third row down from the top shows a payment on XX/XX/2016 of XXXX, however the figures in the rest of that row do not add up to that amount and I did not make that payment. Nobody at Chase has been able to explain why these figures do not add up as they should and why my payment was divided up into differenet payments. In the XXXX XXXX section of my XX/XX/XXXX statement show an unpaid balance of {$950.00} that is in error and an Unapplied Balance that is not suppose to exist. In the Past Payments Breakdown section the amount paid is wrong which causes the rest of the figures to be in error also. in the Explanation of Amount Due section the principal amount is in error as is most of the figures on this statement. I called Chase and called their attention to the errors and requested a corrected statement with the correct amount due on the principal. They admitted that the figures are all in error, but refused to issue a corrected statement. I need to know the correct amount owed on this account and how much I need to pay for my XX/XX/XXXX payment. Enclosed are copies of the Transaction History, XX/XX/XXXX Loan Statement, and XX/XX/XXXX Loan Statement.
Consumer complaint received 2021-03-25
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. (LA)

I am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.
Consumer complaint received 2020-07-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

I put in an application for a simple streamline refinance on XX/XX/2020. I was told this process would take a couple of weeks. 
The only thing different about my application is that the va loan was also in my husbands name, who passed away, and it needed to be put into my name only. I have been told that this process is already completed and that my title is clear. On XX/XX/2020 I was emailed that the charges had changed. I was quoted originally {$2000.00} and now it was {$4000.00}. They have already taken a large portion of my original loans escrow to pay for all these charges. I have left multiple messages, emails, and internal emails to the original loan officer, XXXX XXXX, my so called customer advocate and processor, XXXX XXXX, and to her supervisor, XXXX XXXX to try to find out why this is taking so long and why I am being charged a second time and no one will contact me. On XXXX XXXX an internal email was sent to the escalations department. I called back XX/XX/2020 trying to see why they had not called me and at that time I was told by a closing scheduler that my application was expired! Escalations department was sent yet another internal email. No one has contacted me from there either! I am being ignored and I believe I'm being ripped off! I have called crying more times than I can count and no one can get me to anyone that can help me! I've been waiting 4 months to get 2 months off on mortgage payments and pay {$200.00} less per month on my new mortgage. This is causing me a huge amount of stress and anxiety! The people mentioned above should be fired! I need someone to get my file that can resolve this situation. Also while still paying my original loan payments, I'm now being told I have an escrow shortage when I call. The amount of time this has taken is of no fault of mine!
Consumer complaint received 2022-04-02
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. (TN)

ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX  not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

For several years I have received notices from XXXX XXXX XXXX. According to the notices the debt is for Fifth Third Bank. Although I admittedly owed Fifth Third nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to XXXX in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I received an unsolicited statement regarding a transaction that I did not make or authorize with a request for payment for a " cryptocurrency ''. The statement suggests that I contact them if I believe there is an order, or that I click on the statement to " Print or Save '' the statement. There is an attached telephone number to contact and an embedded email address to contact if I believe there is an error. 

I believe that this is a fraudulent statement designed to lure me into a conversation that will lead to my divulging password and account information to give them access to my financial accounts and resources. 

The email account embedded in this invoice is " XXXX '' The invoice has a header displayed of " Invoice # XXXX for {$760.00} from Your Crypto Order Inbox ''. The telephone number to contact the " sender '' for help is " XXXX ( XXXX ) XXXX '', I have taken no steps to respond to any of the phone numbers or links embedded in this message.