davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (ID)

my XXXX credit card is only 6 weeks old and auto pay is set up. I have been put into collections because they company can not seem to get the payment correct. 1st they transposed numbers. 2nd they could not get auto pay to work for 1 to 2 months after the account was set up only with auto pay. then they reported me to the credit collections because they are not able to accept auto that they require to set up the credit card for 2 months. Do not use this company they are horrible for costumer service and will not help the customer fix they issues they created
Consumer complaint received 2022-07-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (WA)

I added around XXXX XXXX dollars to a Marcus by Goldman Sachs savings account between XX/XX/XXXX and XX/XX/XXXX of 2022. 
On the evening of XX/XX/XXXX I decided I wanted to withdraw the funds to use elsewhere but I wanted to keep the account open so I withdrew all but {$100.00}. 
My account was frozen and so I called and they informed me they were closing my account. I asked them where the money would go and they stated the money would " stay with the account ''. 
I did not save a copy of the statement but I do have the email stating my statement was available. I also have the documents from the money leaving my other bank accounts and into the Marcus account.
Consumer complaint received 2022-09-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (TN)

XX/XX/22 refinanced our home with NewDay mortgage. Loan number XXXX. 
I was under the impression- no points were to be charged??? but alas they charged us 2 % Points=XXXX dollars. 

2nd. Home inspector did not tell us we had mold, water standing in our crawl space under the house when they inspected. I am aa XXXX vet- I can not crawl under the house. 
Please, we are XXXX yrs. old we're too trusting-need help. 
Thank you. 
XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CO)

Fedloan is reporting late payments on my report but i was in forbearance it litterally goes from nothing being reported to being 120 days past due or even 90. and they are not being reported correclty if i was in forebearnce how could i have late payments
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (CA)

I have tried for XXXX hours to close a Money Network account set up by California XXXX XXXX XXXX Refund on : XXXX Both the State and the Money Network have repeatedly refused to close the account. Money Network has given me several reasons, none of which make any sense. Also, I tried to get the XXXX folks on that site to close it, but they can not, again for some unexplained reason. The California XXXX XXXX XXXX XXXX has suggested calling Money Network and again they stated that the account is permanently open, due to CCPA Section 1798 Section 145E. Please help me close this account!
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-07
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 (GA)

I reported a non fraud dispute for merchandise not received. XXXX transactions totaling {$110.00}, I received a letter a week later in which it states and I quote Because we did not receive the information we requested from you, we based our decision on the information available. 

I called the number on the letter to inquire about my dispute, since I have not received any correspondence requesting any type of documentation. The Wells Fargo agent advised that they did not request anything from me and they just denied the claim based on whatever information they had. I did not receive provisional credit, nor did I receive any type of communication from Wells Fargo requesting I provide documentation. 

The letter is completely false and misleading, as it basically holds me responsible for something I was not contacted about or for. Regulation E provides us consumers rights, and I requested Wells Fargo to do a reassertion in which I was advised that it was not possible and that they have made their decision.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I did not authorize any of the following inquiries to be completed as a consumer and reached out to the company that completed them and was told that the automatic system completed the inquiries without my permission 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is defamation of character, and unauthorized inquiries as a consumer, and I have never heard of the companies. The same company ran my credit without consent twice on the same day with authorization. 



I have requested that this address be removed as it does not belong to me and as of today, it has not been removed.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (CA)

I disputed charges made in XXXX XXXX that were fraudulent. I also recently had found fraudulent accounts, addresses and phone numbers on my credit files. I'm in the process of sorting those issues out right now. I am filing a police report regarding this situation and contacting this company as a last resort. I went directly to the creditors and credit bureaus and have only had partial success resolving my disputes. I recently just received a denial letter from Self, saying that the transactions were verified, and I am responsible for them. 
Totaling an amount of {$460.00}. Dated XXXX XXXX, 2022.
Consumer complaint received 2022-09-26
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: M&T BANK CORPORATION (VA)

In accordance with the fair credit reporting act, this creditor M and T Bank has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-07
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. (VA)

XXXX  is reporting inaccurate information on my consumer report along with Equifax without my consent I have. they are furnishing my report and it is causing me harm when it comes to my financial goals, physical health and mental health. per the law it is illegal for them to furnish my report without my consent. they claim that I owe them XXXX dollars without any proof and I need them to remove this off of my report immediately.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-09-26
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. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-06
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: Revco Management, LLC (FL)

15 usc 1681 section 602 I have the right privacy. 15 USC ... 1681 section 604 a section 2:1also states a consumer reporting agency furnish a scout without my instruction. 15usc1666B a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late. account XXXX XXXX XXXX XXXX XXXX has violated my rights
Consumer complaint received 2022-12-06
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: GOLDMAN SACHS BANK USA (IL)

XXXX : I used my Apple Card ( Goldman Sachs - XXXX XXXX XXXX XXXX XXXX purchases via the XXXX XXXX. My credit limit was {$1500.00}. My purchase was + {$1800.00}. 

Much to my surprise. XXXX approved the entire purchase. I attributed it to good standing - credit history/score, whatever algorithm the company implores as part of their transactional workflow. 

I was never prompted that the purchase exceeds the limit. I was never prompted nor given the option to pay the difference using an alternative payment method. I was given XXXX indication that this could potentially be a derogatory transaction - or reported as such in the days to come. 

XXXX : I received an alert from XXXX monitoring services indicating there had been a change to my XXXX XXXX. When I checked, my XXXX XXXX had fallen over XXXX points. XXXX POINTS! I have worked diligently and tirelessly over the past XXXX  years to repair my credit. For the first time in a long time I was above XXXX and trending higher. This was devastating, and appalling. XXXXXXXXXXXX  reported the balance- as over limit. Again, they approved the purchase, provided NO OPTIONS, and then reported it. How is this acceptable?!? 

XXXX / XXXX : I immediately contacted Apple Card customer support. I tried to ask if they could increase my limit to cover the difference, or what my options were. They said they couldn't really do anything - and that I could possibly file for another increase- which I did and was denied - or I could contact XXXX, because they don't deal with anything more than transactions. 

I have not contacted XXXX directly. With transparency - I don't think I could hold my composure and it wouldn't be fair to the customer service rep. 

XXXX : I paid the entire balance. 

XXXX XXXX is still showing and counting against my limit the installments that were supposed to be made. Like a revolving balance - even though the entire balance was paid. 

Apotheosis of deliberate, predatory credit lending and practices. 

Sincerely, XXXX points less due to their error.
Consumer complaint received 2022-12-06
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: HYUNDAI CAPITAL AMERICA (CO)

Re : Account XXXX. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XX/XX/XXXX. My father, XXXX XXXX, was the signer on the account and I was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XX/XX/XXXX. In XX/XX/XXXX, nearly 2 years after the lease ended, KIA added XXXX XXXX late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. KIA sent me a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XX/XX/XXXX, we called to speak with a supervisor. Throughout the month of XXXX, we called over 10 times. We sent KIA Finance a letter at the end of XX/XX/XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. I am now logged out of the portal with no way to pay or contact the supervisor. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 

We would like two things : to pay the account in full along with an itemized list of what we are paying, which weve been trying to do since XXXX, and late payments removed from our credit reports immediately.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

In XX/XX/2022 I completed a balance transfer with Citi to transfer funds to the account in the approximate amount of {$8400.00}. My account was set to auto pay, to pay the balance in full. 

On XX/XX/2022, approximately {$8400.00} was taken from my checking account bringing it in the negatives. This error was brought to my attention on XX/XX/2022. I called Citi on the XXXX, and the payment was reversed and returned to my checking. That same day, XX/XX/2022, I changed my autopay from pay statement balance to pay minimum payment and I received a confirmation on my screen. 

A day later, on or about XX/XX/2022, I checked to see if my minimum payment was scheduled to come out of my checking and if my Citi credit card balance was updated since I knew I had to make my credit card payment. When I checked my auto pay setting, it was erroneously set to pay statement balance even though I changed it the day prior. Again, I put it to pay minimum payment and received another confirmation. Note : I have to go through a confirmation to authorize the change. It is not toggling a button. 

Today, XX/XX/2022, Citi took approximately {$8400.00} from my checking account after they were not authorized to do so. I have notified them numerous times that this is not the payment arrangement I am seeking, and have changed this numerous times. I called Citi yet again demanding they reverse this as they were not authorized to do this. First, they said it was the same payment, which is not the case. Then, they said it will take time, which I know it can be done promptly as they did it the other day. 

Citi keeps on taking money from my account and they are unauthorized to do so. I have expressed my unauthorization on recorded lines multiple times and have changed my settings in their systems multiple times and they continue to violate laws.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XX/XX/XXXX entered a {$500.00} check that will be delivered on XX/XX/XXXX per the on line electronic delivery system. the check arrived XX/XX/XXXX. 
on XX/XX/XXXX a check for XXXX was entered into the same system that promised delivery by XX/XX/XXXX. the check arrived XXXX both of these checks are local in the same county as the bank that i use, Wells Fargo XXXX XXXX. 
i attempted to discuss this with someone at WF on XXXX and was unable to connect to any live person after listening to " options for XXXX minutes, selecting a choice and having the same options given. i never was able to speak to a live person. i then went on line to XXXX and listed the problem. instead of written response, i had to give my name an tel so that someone could contact me. i received a call on the XXXX and did not return the call as it was too late in the XXXX. received another call on the XXXX which i returnned. the basic response is that i had not given enough time for the check to arrive. i have been paying this vendor since XXXX with no problem with delivery and it has been actually early most of the time. my conversation resulted in the WF rep indicating that they are not responsible once i input the information. there was no concern that maybe there was a problem with their delivery service as these checks are not arriving, just that they are not responsible for having a secure system for delivering checks.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WY)

On XX/XX/XXXX US Bank put my checking account on hold because a deposit came back rejected. They never notified me of this. I found out when I went into the branch on XX/XX/XXXX to inquiry why I was not seeing any account activity. On XX/XX/XXXX they informed me the bank did not want to assume risk for my account and they would be closing it. While on hold they were not allowing deposits or withdraws. They said I couldn't withdraw the funds in my account. I have had multiple auto payments returned to creditors before I could stop them since the bank never informed me of the hold on the account. 

The branch said they could not tell me when the account would be closed even though they said to close it. They could also not allow me to withdraw the funds I have in the account. They said when the account was closed I would be sent a cashiers check overnight. They said I could try the 24-hour customer service line and they could probably give me dates. 

I called there on XX/XX/XXXX and was told the department that could help was closed. I called back today XX/XX/XXXX and the person in that department said they could not tell me the date or when they would be sending out my check with my funds. That the process could take up to 90 days to be completed. I asked to be escalated to a manager or someone who could provide more details and they told me it was an internal team that handles that and they don't take customer calls. They then put me on hold to speak to their manager which I gave up on and hung up after 20 minutes of being on hold. 

This is all of my money and I have bills to pay. How can they stop me from accessing my money and not provide me with a reasonable date that I will get my money. This seems like something they should have to resolve at the very least within 5 business days.
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Dear Sir or Madame : I am writing this formal complaint today regarding a failure to address a negative entry I have disputed multiple times. The entry has not been addressed as either investigated and verfied, nor deleted. The negative entry is XXXX XXXX XXXX XXXX and my suggested resolution is that Equifax comply with the requirements in the Fair Credit Reporting Act, and either investigate this information as requested in the original dispute letters and verify its accuracy, or remove the information from the credit file. I have included all letters, signature mail reciepts, and credit entry showing the listing referenced. I have filed a seperate complaint regarding this collection agency as they have failed to validate or verify the information regarding the alleged debt. The reference number for this complaint is XXXX.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NC)

Without warning a Wells Fargo credit card I've had for well over a decade was closed and my rewards points were wiped out ( over {$800.00} value ). When I appealed and asked for a reason, they said they didn't have to give one. 

I have NEVER made a late payment and most of the time pay over the minimum amount. The card was used regularly. 

The past few months I did made large purchases ( remodeling a home ) and paid much more than the minimum payments. 

How are they going to advertise rewards programs and them penalize me for utilizing the card? 

The blow to my credit score, losing $ XXXX in available credit hurts in a lot of ways financially. This may be legal, but seems highly unethical as far as business practices go.
Consumer complaint received 2022-12-06
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. (IL)

I have 2 accounts with XXXX XXXX that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. Account ending in XXXX from XX/XX/XXXX thru XX/XX/XXXX late payment should NOT be reporting. The accounts are current and should be removed within 30 days.