davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

PLEASE NOTE : Below is admittedly being pasted across various public forums. I am exhausted after battling with Citi for hours on the phone. I hope this is presented in a meaningful fashion. I just don't have it in me to rewrite it. 

I have a 100 % perfect credit history. Zero missed/late payments in my well-over-a-decade-old history. I've been using Citi for my credit cards for probably a decade. Payments are on auto, set up on the Citi website ( not thru my banks bill pay system ). 

I just looked back at my YTD transactions and noticed that Citi has been charging me " Return Check Fees '' bi-weekly ( the frequency of my autopay ), for most months, and occasionally interest! For the months that had both fees and interest, the two fees ( one per autodraft ) plus interest is {$140.00}. 

What's interesting is that they are getting their money every time... They say their system makes a handful attempts to withdraw, with an interval of a few hours or a day. 

If an attempt fails, the user is charged a fee equivalent to having not made the payment at all. 

The bottom line is : they get their money, and the payments are never late. They cant justify the fees with a lack of funds, as one can deduce that the funds are available, because I have no missed or late payments on record. 

* * * Is it just me or is this blatantly predatory? * * * I just got off the phone with a Citi supervisor and she stated clearly multiple times that my payments were never late. The technicality they've got me on is that I authorized them to withdraw on a date X, and often times the money was only available in the account 2 or 3 days later. She very clearly stated that the bi-weekly auto-draws occur well before any due dates. She very clearly stated that these are not late fees. They are penalties for making their servers ask my bank for money again a day latera fully automated process that costs Citi fractions of a cent. 

Ill be the first to admit that I wasnt watching funding source checking account like a hawk, so I bet Citi did have to ask my bank more than once. Still Citi is auto-drawing well before any due dates. What is the trouble really? If a payment isn't late, any kind of penalty should be ILLEGAL.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I was scammed via XXXX  for a service that I didnt receive. I asked the merchant for my funds to be returned profusely. Chase refused to go forward with disputing the claim. XXXX couldnt help me.
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (UT)

I've received an attempt to collect a debt from Capital Accounts , LLC for a medical device billed from XXXX XXXX. They had tried to reach me at an old address ( which was listed with a forwarding address but never forwarded ) and the company has my new address on file. After emailing me I discovered this debt collection attempt was for a medical device that was never originally billed to me. I have asked they send me a copy of the original bill and they refused to send it - stated over the phone. 

In my attempts to discover why this is being collected, my insurance ( UHC ) at the time shows nothing was ever denied for my dates of service in question, XXXX XXXX, and both my physician ( XXXX ) and the facility ( XXXX XXXX ) XXXX a XXXX balance on my accounts. 

I believe this is a fraudulent claim but can not gain traction with Capital Accounts to determine how to have the collection removed.
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

I was giving a sum of {$100.00} of debt owe over the phone. When its reported {$560.00} on credit report via XXXX. Please Validate debt? Under the HIPPA Privacy Law. 

Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF CONSUMER LAW AND PUBLIC LAW.
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting 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 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OH)

I am filing a complaint about a debt our company knows nothing about, TRANSWORLD SYSTEMS INC ACCOUNT XXXX. I am requesting a cease and desist of TRANSWORLD SYSTEM INCXXXX all communication until we receive documentation over the unknown debt with XXXX XXXX XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent injunction. And it also appears Transworld operated under a different parent company in 2013 and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies. ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!
Consumer complaint received 2022-09-06
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. (CO)

i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX XXXX  and that isnt correct. My credit was XXXX and now reporting XXXX
Consumer complaint received 2022-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I do not owe this debt as the school I attended was based in XXXX and subject to the settlement. I attended XXXX XXXX University which was found through investigation to commit misleading business techniques to defraud borrowers. I am a XXXX XXXX XXXXXXXX clearly stated i wanted to take only loans I can discharge though the XXXX XXXX knowing this purposely gave me a private loan without my knowledge.
Consumer complaint received 2022-10-21
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. (MI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-09-06
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. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Auto Loan and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY ()

I first noticed the transaction on my credit report roughly a year ago. I never applied for this credit, and don't believe this belongs to me. I was going to try and rectify the situation a year ago, but i had to leave the country rapidly.
Consumer complaint received 2022-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Original complaint # XXXX Within the previous complaint I filed US Bank admitted ( in their written response ) they initially thought funds that were credited to my account were from the HAF Program. US Bank stated in the letter that the funds were from the loan modification ( which I was only aware of the distribution of payments/funds XX/XX/XXXX when I called to inquire. 

( Please see statement from US Bank response to previous complaint ) " On XX/XX/XXXX, you spoke with an agent regarding cancelling the modification and using the HAF assistance funds to bring the account current. The agent informed you that HAF funds had been applied to your account and they would attempt to cancel your modification. Upon further review, we determined the funds that were applied to your account were the result of the loan modification, not HAF funds. '' I was not aware of the funds being applied because of the loan modification and not HAF ; therefore I received incorrect information pertaining to my account. 

The account is current because I also had to make a payment with the loan modification. US Bank also failed to include in their response that I applied several times beginning XX/XX/XXXX until XX/XX/XXXX ( denied several times and received incorrect information from US Bank representatives ) for a loan modification with the same information that was used to complete the last request ( XX/XX/XXXX ) for a loan modification. This process alone was extremely stressful due to the COVID pandemic as well as financially due to the hardships I experienced. 

I also forwarded my HAF Award Letter on XX/XX/XXXX as well as called several times in reference to US Bank receiving the letter. From my understanding the award letter could be forwarded to the lender as a correspondence to show the customers award amounts. I also forwarded the letter which clearly show forward payments for 18 months. The loan modification was completed on XX/XX/XXXX which is after the award letter was sent via email. The funds for the past due balance were sent back because US Bank purposely waited until the timeframe to cancel the loan modification had passed. I'm still unsure if my forward payments will be applied to my account once they are received from HAF. 

I have attached the HAF Award Letters ( which was sent to the XXXX email address ) as well as my initial mortgage assistance application and hardship dated XX/XX/XXXX ; which is the time I initially requested assistance to bring my account current
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a PayPal negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the PayPal account. 
Response from PayPal : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the PayPal account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from XXXX XXXX XXXX XXXX claiming to represent Creditor : PayPal , Inc. Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX so, I downloaded the XXXX ( XXXX ) in my XXXX. Then made a call to XXXX to understand the process. They told me to add XXXX as payee in my bank checking account and paid the money I wanted to transfer into the XXXX. So, I paid {$620.00} from my Capital one 360 checking account to XXXX and XXXX received {$620.00} from checking account on XXXX/XXXX/2016. 
Now I have received an Affidavit from Capital one 360 Bank ( Please see attached ) for me to sign and have it notarized which does not reflect the true account of the matter in question. Bank is still insisting that I authorized the creation of a certain check numbered XXXX dated XXXX XXXX, in the sum of {$620.00} which contrary to the fact. As a matter of fact, XXXX was added to my internet banking as a Payee and I was neither explained or notified by the bank personnel that they will be sending out a check instead of electronically remitting the amount to the Payee. 
I do not understand why bank is misrepresenting the entire matter to a consumer and CFPB. 
Bank needs to be held accountable for dragging this matter for five months and going.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I'm trying to link my PayPal account to my bank account, but there is a technical issue with that and I called more than 3 times CS and have been with them on the phone each time over an hour and they are just giving me hell and going in circles, their agents don't understand English and are very unhelpful and never call back while they disconnected the phone on me twice, they gave me an hard time to reach a Supervisor. 

After filing a complaint with the XXXX, I recieved phone calls form the presidents office, but they too gave me just the run around and they leave messages an sending emails, but there is officialy no way for inbound calls and they don't respond to emails send. 

Last week Friday after wasting again my time on the phone with a rep from their president 's office, the rep promised me that they will get this resolved latest by Monday, but nothing doing. No call no Followup. This Paypal is just a scam I've money with them from over a year and no way to withraw them.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

you wrote to me this bull. for complaint XXXX-XXXX Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please note, the address that you have provided is not reporting on your Equifax Credit File and correspondence is not able to be sent to you until we are able to confirm your current mailing address. In order to update your mailing address please provide one of the following documents in order to update your mailing address : you have my address same address for 40 years here is my address from your latest report you sent me this is what you are getting for proof of address and thats all you are getting this is my address the same that XXXX  AND XXXX HAS so do you no need to update address
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (PA)

I was at an atm in XXXX XXXX using my debit card. Several people were around, one said I did not close my account after a cash withdrawal. He pointed to the atm screen which appeared at first glance to remain open. He said I should reinsert my card to close it. I reinserted my card and the atm would not return it to me. I suspect the surrounding people jammed the atm somehow. I made many many attempts to obtain my card from the atm to no avail. I returned home and immediately called my bank, explained the situation and asked them to block my card. I check my card activity online after the call requesting the block. No unusual transactions occurred at that time. This occurred at approximately XXXX on XX/XX/XXXX. 
I checked my card activity later and noted several unauthorized transactions totaling approximately {$3700.00}. Early on XX/XX/XXXX I went to the local police office and filed a fraud/theft report. I notified my bank of the of the fraudulent transactions. 
My bank subsequently denied my claim. They never contacted the bank where the fraud occurred seeking video which was available, they never asked for the police report, they never contacted me in any way until I called requesting the status of my claim. I was told it was denied, no reason was given. I later, on XX/XX/XXXX received a letter at my U.S. address saying the claim was being benied and suggesting I was complicit in the fraud. I should also note that approximately 4 years prior I lowered the daily withdrawal limit on my card to {$1000.00}. Wells Fargo unilaterally raised that limit without asking or notifying me. 
I have contacted my bank, Wells Fargo repeatedly protesting their denial. I am still awaiting a response.
Consumer complaint received 2022-09-06
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 59XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I purchased a XXXX XXXX  and paid for the part up front and put the rest on the balance on a new Apple GS Bank  credit card. Unfortunately, I had to return the XXXX XXXX  about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment.
Consumer complaint received 2021-09-24
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: I.C. System, Inc. (WA)

This is SO FRUSTRATING. Three years ago I had a bill go to collection-this was already paid, well this lovely debt collection company decided to report it THREE YEARS LATER to mess up my credit. You should be ashamed of yourselves. REMOVE THIS FROM MY CREDIT REPORT ASAP OR I WILL GET A LAWYER.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

XX/XX/XXXX - the following debits were posted to my Wells Fargo account - all of the debits are from XXXX in various amounts XX/XX/XXXX. XX/XX/XXXX {$150.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX {$350.00}, XX/XX/XXXX XXXX, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$300.00} I filed a claim with Wells Fargo on XX/XX/XXXX because neither myself nor my spouse authorized these charges. Today I found out WF denied my claim saying 1 ). The charges stopped after I notified them. They sent me a new debit card, thats why the charges stopped. The total amount of these charges is {$7600.00}. The reference number for claim is XXXX
Consumer complaint received 2022-09-06
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (VA)

I have a reported balance of XXXX $ on MACYS/CITIBANK, N.A. Credit card. My account was in good standing until XX/XX/XXXX Experienced some financial issues for a couple of months after that, the company paused my payment. As I was getting ready to restart payment in XX/XX/XXXX found out the company closed my account and I couldnt access the account even to pay the remainder of the balance. I tried to contact them few time but it was always an automated response, I got fed up. Few months in the account was reported as a bad debt on my credit report. I put a dispute with no resolution. This is so frustrating.