davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit 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. (OK)

i have a citi custom cash card that i used to purchase skin care items from XXXX on XX/XX/year>. However, the merchant sent the item to the wrong address and they have never tried to refund me the money nor send me the item. Until today, XX/XX/year>, i still have not received the item. Therefore, i disputed the charges and Citi being Citi took almost more than 2 months to complete this " investigation. '' Here is link to tracking https : XXXX? XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX You can see, the item has never been delivered. The last status of the tracking was In Transit to Next Facility, Arriving Late United States XXXX on XX/XX/year> XXXX XXXX. Even though it is clear as day with proof submitted that XXXX never delivered the items i bought nor refunded my money. Citi as usual backs up this XXXX company fraudster. In addition, i also reached out to XXXX customer service to fix this issue and they said " as a special arrangement, we can process a refund through your Credi Card but please understand that the shipping fee of USD XXXX will be deducted since we have fulfilled our responsibility to ship out the order in the first place. '' Which they have never honored until XX/XX/year>. CFPB should investigate this issue and penalize companies like Citi that is actively committed to support scam companies like XXXX XXXX. 

I'm attaching the correspondence between me and XXXX and i'm also reporting both Citi and XXXX to Oklahoma State Attorney General
Consumer complaint received 2022-04-06
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. (CA)

I have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. XXXX will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and XXXX still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

I received a notice today around XXXX est that my Chime account was to be closed. No explanation as to why, no explanation as to whom to speak with, nothing beyond an email address. I have money in both my chime spending account and credit-builder account. I have done nothing wrong or dubious in any way. I have been with Chime for a few years and have my work dd set up through them. I have absolutely no recourse, when i emailed them i received this as a response : Our issuer, The XXXX XXXX, provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however, we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (MD)

My husband and I applied for a refinance with our existing mortgage company -- M & T Bank -- in XXXX of XXXX. We worked with mortgage lender Mr. XXXX XXXX who submitted our application for the refinance. We were told that the best interest rate we could obtain on the refinance was at 3.1 percent. We submitted all of the information requested by the bank for the refinance, and paid fees to obtain our credit reports and the appraisal. Since that time, we were told that the refinance loan was approved on XX/XX/XXXX, and that we would soon close on this loan. But, as of today, we have not closed on the refinance. I have sent numerous e-mails on this mater and also asked if we could obtain a lower interest rate because we were told that the have gone down between 2.5 to 2.75 percent. Overall, M & T bank does not respond to our questions on the status of closing or whether we could obtain a lower interest rate on the loan. I talked to Mr. XXXX the last time on Wednesday, XX/XX/XXXX, but he could not tell me when the closing would occur. As I have explained to M & T Bank representatives it does not and should not take over 6 -7 months to close on a refinance. Especially when this is our current mortgage company and we have an excellent payment history with this bank.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust bank close my account, keep my money and gave me no notices whatsoever. 
Is been 3 weeks, several calls and 2 visits to a branch without any other infomation that my account is under investigation with no time frame. The only instruction I get is verbal, to wait for an explanation by a letter. 
I deposited my taxt return and the relieve checks from the goverment and I need that money asap. 
I never experienced anything like this before. 
They block the access to my account online, I can not see any statement, balance or information. 
I understand that a bank can refuse to have business with a person, but why they are keeping my money after shooting down my account? 
Please help!
Consumer complaint received 2020-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (RI)

I have an old account that went to collections for XXXX XXXX. The amount owed was {$1000.00} when it went into collections. When I received a call about this bill in XX/XX/2020, I was told that the bill was {$2100.00} ( which was never the amount owed ). 
Well because I am trying to increase my credit score I planned to pay all past due bills. The company assigned to the collection was XXXX XXXX XXXX XXXX. 
As I spoke with the rep, he explained to me that I could not negotiate a settlement or payment plan since they company is not licensed to collect in RI where I live. Please explain to me how this can not be disputed? I have disputed this numerous times but I am getting nowhere. The amount they are charging me is also wrong.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had XXXX accounts since XX/XX/1981 but TransUnion recently changed my credit report to show a much shorter (and inaccurate) length of credit for me: 6 years.  I submitted the evidence to TransUnion using their dispute process, but all they did is delete one of my XXXX  accounts - which is also wrong.  I wasn't questioning the existence of one of my XXXX accounts; I was questioning the fact that they had previously deleted accounts with XXXX  that proved I have had accounts there since XX/XX/1981.  When they changed my oldest account from my XX/XX/1981 XXXX to a much more recent account, my credit score dropped by 70 points!
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

My account with venmo has been locked for 3 months I received a email saying on XX/XX/XXXXXX/XX/XXXX it will be unlocked I will be able to withdraw my remaining funds .since these funds have been locked away from me so that I can't access them I haven't been able to pay bills like rent medical bills and utilities... .XX/XX/XXXX passed and they still have yet to unlock my account like they were supposed to .since then they haven't responded to any of my emails or gave me any updates I will like for my funds to be released immediately please
Consumer complaint received 2021-12-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX I was notified that Wells Fargo had closed XXXX of our savings accounts without any prior notice. The account was closed XX/XX/XXXX. After a number of calls with various Wells Fargo customer service people, I was finally told that the company had made a decision to close the account due to inactivity over the past 60-90 days. I have several other savings accounts with Wells Fargo that have not had activity for more than a year, yet those accounts remain open still. If there is a policy that governs this action, it is not being applied equally. Second, I was told that the account did not have the minimum balance required. When we opened the account there was no minimum balance requirement. The customer service agent acknowledged that this updated policy occurred in XX/XX/XXXX. No notification was sent to us regarding this change in policy ; we have XXXX other Wells Fargo accounts and have not received any notice of updated policy for any of these other accounts either. Between closing our account without notice and changing policy regarding an account 's minimum balance requirements without notice, we find this activity to be in breach of their agreement with us. I also believe this to be illegal activity for which Wells Fargo has already been investigated by the Federal government ( XXXX ) and the Consumer Financial Protection Bureau. In order to resolve this issue, Wells Fargo has asked that I take my time to speak with a local branch to see about having a new account opened ( they can not re-open an account once closed, per their policy ). I have no interest in spending my time to resolve an issue they created. I will be moving my XXXX remaining accounts to a new bank.
Consumer complaint received 2021-12-02
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. (PA)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of these XXXX accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,
Consumer complaint received 2021-12-02
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. (PA)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of these XXXX accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (AR)

ON XX/XX/2019 I PURCHASED A XXXX XXXX FROM XXXX DEALERSHIP AND WAS FINANCED BY CHASE, THE DEALERSHIP FAILED TO PAY SALES TAX AND ADDED A GAP AND SERVICE COTRACT ON TOP OF THAT. CHASE LOAN NO.XXXX. SEE AD FROM THEM WE PAY SALES TAXES
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (NH)

On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. 
I have asked them not to call repeatedly through out the day, and they continue to call.
Consumer complaint received 2021-12-02
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: DISCOVER BANK (FL)

Discover bank as violated my consumer rights according to the FCRA. 

Under 15 U.S.C 1681a ( 2 ) ( B ) Exclusions from a consumer report. This account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security was used in the transaction. 

Under 15 U.S.C 1681- Permissible purposes of consumer reports. I never gave discover bank any written consent to report anything on my consumer reports. No consent is identity theft
Consumer complaint received 2020-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received an email from ACE Cash Express on XX/XX/XXXX stating my loan payment for {$140.00} is coming due XX/XX/XXXX and would be withdrawn from my account on XX/XX/XXXX. The last four digits of the account number matched my savings account. The company withdrew this amount from my savings. For some reason it was reversed but the bank was unable to tell me if that was on their end or ACE Cash Express. Using my email, I tried to logging to ACE Cash Express by using the forgot password option and the login link they provided in the email. After logging in I was able to see my outstanding balance of {$680.00} and payment schedule showing this is a new loan that I have never made a payment on. The payment schedule shows {$140.00} due every two weeks with the next payment coming due on XX/XX/XXXX. I was unable to locate any loan documents in the portal or reach ACE Cash Express by phone. I did not take out this loan and I did not receive a loan from this company.
Consumer complaint received 2017-12-23
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. (PA)

Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified
Consumer complaint received 2021-09-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

1. On XX/XX/XXXX a Business Equity Line Note Was Obtained by me and my X wife, ( co-owners of the property and the business- XXXX XXXX XXXX XXXX ). The amount was XXXX k. Payments have been made since then jointly until XX/XX/XXXX. By that time the couple has been through an unfortunate divorce divorce.One spouse violated court orders to sign documents to modify the loan and the foreclosure was avoided at a high physical, mental and financial costs. The two however continues to own the property and to this day the joint ownership has not changed. Those documents are available by the bank, me and the attorneys 's involved.One spouse has continued to make payments to the bank even after the divorce and despite the other spouse 's completed disregards, until XXXX, XXXX. The Covid Crisis complicated the process. 

Now the bank and her agent has taken off the forbearance responsibility from the spouse who willfully disregarded the laws andand now the bank has put the entire responsibility on the law abiding spouse. The bank and her agents knowingly have manipulated the process, making false statements under oath and has been involved in a variety of tricks and tactics to cause enormous damages to that spouse. These are a few of them : 1.Has charged an astronomically high price as foreclosure expense ( XXXX K ) for a property worth XXXX k. 
2. Falsified facts about the clinic 's activities ( unused as opposed to being used ).

3. Damaged vs improvements ( being made and would have been completed by now ).

4. Illegal scamming scheme to get lump some in the amount XXXX k for legal expenses alone and XXXX lien to the bank with fake and damaging explanations and really no explanations9by the Banks attorney ) 5. The Banks attorney made utterly false statements ( please review court transcripts ) in the XXXX XXXX and using illegal tricks I was not allowed to present any evidence. 
There seems to be an organized crime with more individuals involved. 
Now I have been asked not to file any complain and being threatened and harassed Had I not been a bit watchful I could have lost all my lif 's savings. 

Right now I am working as a XXXX to help the displaced children and families at a federal facility and want to continue to serve as such as I can. 
Given an opportunity I have numerous documents to make my case. I am uploading a few documents as samples of their inconsistencies. The scam letter of the attorney of the bank Mr. XXXX XXXX where apparently he did his act without authorization will give glimpses now. I have made a report to the police department. 

XXXX. As a XXXX I am not very good with the uploading of the documents etc. I may have to send documents via mail, which I will do as soon as possible. Please guide me so that we can go to the bottom of the issues so that I get a fair settlement and others benefit from the process too.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (GA)

I bought a car from XXXX consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against XXXX consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with XXXX consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to XXXX consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to XXXX consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop XXXX points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on XXXX  XXXX  they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
Consumer complaint received 2019-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I received a letter from FedLoan Servicing via email stating that my application for PSLF had been denied because I have not made 120 qualifying payments. According to my records I have made 120 payments. I consolidated my student loans to a Direct Student Loan under Income Based Repayment in XX/XX/XXXX. I have worked for my current employer, XXXX XXXX XXXX, as a XXXX XXXX XXXX  since XX/XX/XXXX. I submitted numerous employer certification forms between XX/XX/XXXX andXX/XX/XXXX and was confident that I had the correct type of loan for PSLF and was working for an eligible employer. During the 10 year period my loan servicer changed from US Department of Education AFSA to XXXX XXXX XXXX XXXX XXXX. Recently my loan was purchased back by FedLoan Servicing at my request because I was nearing the 120 payment goal. Between XX/XX/XXXXand XX/XX/XXXX there were several years during which my expected payment amount under the Income Based Repayment Plan was $XXXX per month. Per the PSLF guidelines, $XXXX payments count toward PSLF. I am able to access records from XXXX that demonstrate my compliance with repayment terms from XX/XX/XXXX through XX/XX/XXXX. I also have documentation of my payments made to FedLoan Servicing from XX/XX/XXXX through XX/XX/XXXX. I am unable to access my loan information from XX/XX/XXXX through XX/XX/XXXX because my servicer during that time, US Department of Education AFSA, no longer exists. Despite my understanding that FedLoan Servicing has access to my entire loan history, they don't seem to be able to find it. I don't know what to do now?! But I'll tell you what I'm NOT going to do; sit around and wait! I will call FedLoan Servicing every single day. I will call XXXX to get as many records from them that I can. I will call my congressmen. I will call or email absolutely everyone I can think of who might be able to help me. I am hoping CFPB might help me. When I first learned of PSLF I thought it was a dream come true! It has turned into a nightmare!!
Consumer complaint received 2021-12-02
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. (SC)

I recently ordered my Consumer reports and XXXX and Transunion are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection accounts.