davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I was shopping around for an airline ticket online when a Citi AAdvantage advertisement popped up offering {$100.00} discount on the ticket. I applied for the card and purchased the ticket expecting the discount to be applied before finalizing that ( the ticket ) transaction. It did n't happen. I called Citi and I was told NOT ONLY that a {$100.00} would be credited to the account once I were approved, but ALSO that I would get {$100.00} off of EVERY XXXX ticket I purchased during a year. Tomorrow the cc is due so today I checked the statement online and learned nothing had been posted. I called Citi again and I was told the credit would appear in the next billing cycle. Explanation as to why it was n't on the first statement was that the cycle ended on XXXX XXXX and up until that day I had n't used the card yet. It did n't make an sense to me. If the XXXX cycle ended on the XXXX and the balance was XXXX, why was n't the {$100.00} posted to the account in the XXXX ' cycle? Tomorrow my XXXX payment is due so today I printed the statement, walked into a Citi Bank and paid off the balance. I also talked to a, I believe he said, personal adviser. This employee made a phone call and then informed me that the offer is actually UP to {$100.00} credit on purchases made on board of a XXXX flight. 
I 'm an educated person. I can read. None of this nonsense was in what I was offered and accepted.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (AZ)

Issue : unable to withdrawal from Blockfi investor wallet in cold storage. This wallets ownership is in my name in cold storage and not to be used to satisfy secured creditors if bankrupt.

Under Blockfi 's terms of use, the XXXX is my own property and thus, I should be able to withdraw/receive the funds because they are not BlockFi 's property.

Since withdrawal has been unavailable due to the company blocking them, I am afraid the company may use my assets to further their personal objectives. The organization has not acknowledged these terms of use control.
Consumer complaint received 2022-08-04
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX I received a refund for an item I purchased XX/XX/XXXX. The item is recalled and I was eligible for a full refund of {$150.00}. 
The refund was processed by XXXX on XX/XX/XXXX, and despite me explaining to XXXX that I had a new Business Bank Account w/ Wells Fargo they refunded the money to the closed business account. 
I called Wells Fargo customer service at XXXX six times between XX/XX/XXXX thru XX/XX/XXXX. 
XXXX XXXX XXXX I was told on the first XXXX calls that occurred between these dates that the funds were sent back to XXXX. This was not true. 
XX/XX/XXXX -my XXXX call to Wells Fargo XXXX was able to file a claim. I was told to wait 10 business days for the claim to process, which I did. 
XX/XX/XXXX, XXXX received a letter from Wells Fargo XXXX Assistance XXXX XXXX XX/XX/XXXX that they completed the research and " a processing error did not occur, consider your claim closed. '' I did not receive the money via deposit into my current business account w/ Wells Fargo XXXX 
On XX/XX/XXXX I called twice ( the toll free # above ) and was hung up on after working with the agent for about XXXX minutes. Immediately called back again, spoke with a different agent ( at the Wells Fargo customer service # I provided above ) and she could see the money was refunded to my closed account on XX/XX/XXXX. She transferred me to a XXXX named XXXX in the Online Division of Wells Fargo and he confirmed the money shows it was refunded by XXXX to my closed Wells Fargo account. After " XXXX '' from the Online Division of Wells Fargo did his research he could only start another claim ( XX/XX/XXXX ) and told me I had to wait another 10 business days for the money to be refunded to my current business account.
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (NY)

I requested validation of an account listed in my name with XXXX XXXX that is being reported to the three major credit bureaus. I requested a balance owed as well as proof of ownership through a signed contract or service agreement. XXXX XXXX  failed to provide a balance or a signed agreement as I received a letter from XXXX XXXX  dated XX/XX/2019 stating an account was opened online and signed electronically but yet failed to provide the requested validation per FCRA. XXXX XXXX continues to report this alleged account to credit reporting agencies despite my request for deletion due to failure to properly validate an account per FCRA regulations.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc. (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Capital Alliance Financial, LLC (MI)

I had an account with XXXX XXXX opened in XXXX 2009. I defaulted on this when I got sick and was unable to work. I later became XXXX due to this illness. I tried to work with XXXX XXXX but they charged off the debt. Since that time, a debt collector purchased the debt and I have received XXXX Dismissals from my local District Court and then a Summons and Complaint from the same court today about this debt.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (MI)

From XXXX through XXXX, There were unauthorized electronic payments and transfers to various Banks created through Optum XXXX using my Business Tax ID, Group XXXX and Individual XXXX Numbers as a XXXX XXXX XXXX
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

CitiCards CBNA is inaccurately reporting XXXX late payments on an account that was discharged in XXXX XXXX - Bankruptcy. This creditor is vindictively refusing to correct the error in reporting to the credit bureaus causing me severe financial harm and increased interest rates on accounts with other creditors. 

I have submitted disputes through the credit bureaus and attempted several times to contact the creditor directly, where they hang up on me or direct me to pre-recorded information that is not relevant to my situation. The single time I was able to speak to a customer service representative for CitiCards CBNA, they told me I need to pay the discharged debt in order for them to take any action on my credit report errors. Attempting to collect a discharged debt in Bankruptcy is a violation of Federal Bankruptcy Law The debt was discharged in XXXX and the vindictive nature of CitiCards CBNA actions is to circumvent Bankruptcy protection laws and attempt to collect the debt that was legally discharged.
Consumer complaint received 2016-12-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (NE)

i do n't know if this is the right area.? a place called XXXX collection agency keeps calling. this last message said i am a direct decendent and civil action is going to happen to me cause of breech of contract on a payday loan i took out years ago. I saw online that place is a scam XXXX they called my mother and my cell phone. how can i stop them from calling me?
Consumer complaint received 2022-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (NC)

We purchased a home over a year ago, XX/XX/XXXX, using a conventional XXXX fixed rate loan, 20 % down payment. We paid our home insurance for the year at closing, {$790.00}. In XX/XX/XXXX, the mortgage firm sent a letter " You need wind insurance and we will take that insurance out and just bill you ''. However, when taking the mortgage out, they never said or required wind insurance. One year later, they now want to force us to over-insure our house when they should have been upfront on insurance requirement during the underwriting process. 

The problem for us is our home insurance will go from {$790.00} to {$3300.00}. That is way too much and again, not required at the time we obtained the mortgage. I have called the mortgage firm 2x yet no one returns my calls. How is this permissible? 

During the short one year of my mortgage, I think the mortgage was sold two times to different firms so I am not sure if that triggered something but regardless, we followed all the underwriting requirements at the mortgage 's inception. If they made a mistake, shouldn't they pay for the additional home insurance wind portion? The house is insured otherwise as required at the time of mortgage inception. Thank you.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

Synchrony Bank took over 2 years to finalize a dispute made in XXXX. Not until I disputed directly with the credit bureaus, was when I received a letter on XX/XX/XXXX stating the resolution of my dispute from XXXX resulted in a balance update and refund due. Neglecting to update the account with XXXX, XXXX and XXXX I am left with negative payment history and my credit worthiness to creditors. The Account number listed on my credit reports do not match the account number listed on statements from Synchrony Bank.
Consumer complaint received 2022-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XXXX different occasions I was told by Equifax agents that these XXXX inquiries will be removed from my credit file XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX The confirmation number on XX/XX/XXXX I was given Equifax Com number XXXX XXXX confirmation number clearly shows that the XXXX above inquiries were to be deleted from my credit report by a fraud representative from Equifax it states that all the documents were handed in properly and still to this day it's not been removed note that this is the third time a different confirmation numbers previous confirmation numbers were XX/XX/XXXX Equifax confirmation XXXX XX/XX/XXXX XXXX Equifax co # XXXX XXXX XXXX XXXX inquiries that was XXXX more inquiry from XXXXXXXX XXXX that was XXXX XXXX on XX/XX/XXXX This was also promised to be removed for me and still remains on my credit report So in total there are XXXX inquiries since XXXX of XXXX that had been promised to be removed and have not the confirmations number above represent confirmation numbers that Equifax has given me proven that it will be removed My social security number is XXXX XXXX XXXX On the next screen it will not allow me to put in the last four digits for some reason so I'm putting it here
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo requires me to sign away my rights as a US citizen forcing me into binding arbitration and giving up my right to join class action lawsuits as a precondition to using online banking. They did not disclose this when signing the mortgage. I have filed complaints with them including XXXX and they have stated this is done intentionally. It is impossible to view, make payments, or interact with my account online in any way without giving up my rights. 

Wells Fargo is a criminal institution of unprecedented magnitude and forcing their customers to give up their rights in order to interact with them in an online fashion is unacceptable.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo allowed a fraudulent checking account to be opened in my name. I have never banked with Wells Fargo before receiving multiple emails regarding a new checking account in my name. 

Wells Fargo, despite allowing a complete imposter to open this account, refused to allow me, the person whos name and information is on the account, to close or freeze the account. Because the fraud occurred on a XXXX  before a holiday, Wells Fargo stated they could not help me with anything until XXXX, allowing fraudulent activity to occur for at least XXXX days without any problems whatsoever.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC. (AZ)

Ally Bank has no way to delete XXXX recipients on it's website. 
It doesn't exist at this point in time apparently. I can create them but can't delete them if they are incorrect or no longer used. 
Also it's 'bucket system ' doesn't work. Transfer into Ally Buckets doesn't work at all. 

Customer Support takes 25 minutes or more. I just want to talk to someone period. Companies should be required to respond with in a 5 minute time period. Chat is no better. I tried both chat and was on hold for at least 20 minutes this morning!!! 

Chat was as follows : What do you need help with today? 
Checking, Savings or CD Read You - XXXXXXXX XXXX You're connected with Ally Assist, our XXXX XXXX 
XXXX- XXXXXXXX XXXX Hi. How can I help? 
Ally Assist - XXXXXXXX XXXX Why can't I delete XXXX XXXX!!!!! XXXX XXXX - XXXXXXXX XXXX Sounds like you need help with XXXX. Which of these do you want to do? 
Ally Assist - XXXXXXXX XXXX Something else Read You - XXXXXXXX XXXX I'll pass the chat to an associate who can help you more. 
Ally Assist - XXXXXXXX XXXX Our team is swamped it may take an hour or longer for an associate to connect. 
XXXX- XXXXXXXX XXXX
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (AL)

Equifax has violated my consumer rights Ive made several complaints about it Ive called Ive mailed letters I have unauthorized inquiries on my credit report that needs to be removed immediately! 

Here is a list of them here 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 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by XXXX XXXX On XX/XX/2022 XXXX I applied for The XXXX XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). First Digital has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (DE)

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. 

XXXX XXXX : # XXXX, XXXX XXXX  : # 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 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 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (WI)

I have concerns about XXXX XXXX  ownership in cold storage and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes. 
I can not withdrawal funds owned by me.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # 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 XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

In XX/XX/2022 while browsing the Home Depot website and checking out I was prompted to apply for a Home Depot Credit Card and promised that {$25.00} of my purchase would be covered as a promo. I made a purchase for just over {$28.00} meaning my total cost would be under {$4.00} with the promo applied. I was approved for the credit card and made my purchase but on checking my balance the promo was never applied and customer service says it will take up to three billing cycles before a manual credit they are applying will take effect this of course is not what was advertised at all and I believe that this bait and switch offer where Im not paying the full amount upfront is in violation of the law.
Consumer complaint received 2022-11-20
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. (FL)

To Equifax XX/XX/XXXX Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX I deny account, account not mines Account number XXXX Equifax has failed to provide me full account number, please provide me with full account number for account XXXX Equifax, failed to provide documentation in writing, for account XXXX XXXX requesting investigation documentation for account XXXX I am not responsible for account In addition error payment balance incorrect, because I DID NOT MADE ANY PAYMENT ACCOUNT IS NOT MINES Find enclose report XXXX I reported account ID Theft, find attached report Please delete account immediately account inaccurate Thank you XXXX XXXX
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

Discover continues to deny me credit due to a prior Discover Card Account that was discharged under XXXX XXXX Bankruptcy on XX/XX/2020 in the United States District Court District of Minnesota Bankruptcy Court. Discover shouldnt be denying me credit or still holding me liable or responsible for a previous Discover Card Account that was discharged under XXXX XXXX Bankruptcy in bankruptcy court. I have a right under federal law to a fresh start, and a right to rebuild my credit.