davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

Am Having a Problem with the XXXXXXXX XXXX XXXX  Credit Card I Open this Account in XXXX and bought a Coutch Sofa and i always been making my annual payment on time and they are charging XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$440.00} And my Total Due Ballance Increase {$1300.00} due because of this interest Charge. and i call wells Fargo customer service XX/XX/XXXX and they refused to credit my account {$440.00} interest and this is terrible i am very frustrated that i have to paid more money for a Funiture i bought with this credit card is terrible and they also been charging me late payment fees and i always make my payment on time please help me with this problem
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XXXX XXXX I applied for a Merrill Lynch Visa Signature card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

My mortgage account was opened in XXXX and maintained since then. However, XXXX Mortgage is incorrectly reporting that my mortgage was included in my XXXX bankruptcy -- it was not. In fact, XXXX Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my Equifax Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!
Consumer complaint received 2022-11-09
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: DISCOVER BANK (GA)

My wallet was stolen and in my wallet was my license, SS Card, a XXXX by XXXX XXXX credit card, both a XXXX credit and debit card and my Discover Credit card. I called Discover notifying them of unauthorized charges on this card and that my wallet was missing. I asked for the card to be locked and a total of {$1700.00} worth of transactions were disputed. I explained to Discover that the thief was making unauthorized purchases with a stolen credit card.. The transactions consisted of out of state purchases and unauthorized online transactions. As of XX/XX/XXXX Discover is holding me responsible for all out of state and online purchases. I have contacted merchants and have received details of the online transactions ; they are made from email addresses that DO NOT belong to me. The email addresses are ; XXXX, XXXXXXXX XXXX XXXXXXXX My Discover was stolen and used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation - that money was stolen from their accounts.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

During the claim entry process I made a mistake and forgot to include one of the frauduent charges on the report. It was a XXXX XXXX transaction and I had been to the dollar tree earlier that day so I got confused. 
The claim was denied because of this and they will not allow me to re-open the claim with the updated information. The Claims Supervisor told me to get a lawyer and that I will not be getting my moeny back from Chase even though she sympathizes with my situation. 
I have provided a police report, video surveilance, statetements, XXXX  complaints, and opened a Corporate case. All of which have not gotten me my money back. 

Listed Fraudulent Transactions are Below : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX  Card XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX Card XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I set up an interbank transfer of XXXX from my Citi account to my XXXX account on XX/XX/2023 and successfully cancelled the transfer on XX/XX/2023. However, Citi has been holding up the funds as an ACH Debit Pending ever since. I called Citi and the representative was not sure when the funds will be added back to my account. 

Transfer Reference Number : XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NE)

In XX/XX/14 I deposited a check {$4.00}, them the bank proceed to hold my check for XXXX XXXX, i called several times to the bank, they excuse was the signature was fake to hold the check. The person who issued the check for me provided phone number from his bank manager to my bank that way they could clear the check and release the founds in my account. ( The check was supposed to make payments to my guys ). 
Although they dont want remove the hold, and they keeping saying the check is fake and will hold. How i can get my check back?
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 SHELL ( Citibank / Citgroup ) closed my long time account because XXXX, XXXX and XXXX have not fixed a problem of reporting erroneous information on my Credit File regarding to my XXXX XXXX They are re-aging the code of reaffirmation of debt due to bankruptcy on my XXXX XXXX XXXX XXXX XXXX. 

As a result of this error, which I have disputed multiple times, Shell Closed my card negatively affecting my credit on an error by the 3 CRAs. I have contacted the 3 bureaus about the mess and have filed complaints with CFPB, and the bureaus have failed to resolve this issue which is an error in reporting. SHELL based their decision on what the bureaus are erroneously reporting which is a violation of my rights under the FCRA.
Consumer complaint received 2019-12-05
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. (FL)

Being a customer of XXXX XXXX  XXXX XXXX XXXX for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX  to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in XXXX XXXX.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (OR)

I received a letter in the mail stating that I would be getting a back payment on XX/XX/XXXX for XXXX which did post to my account on XX/XX/XXXX but then all the funds were gone soon after someone had my information or account number so I never actually received any of the money it got deposited then disappeared after when I called Direct Express I was told to cancel my card and fill out dispute forms which I did and then sent back to them yet the bank is claiming their not responsible and I would have to call XXXX office I did got the Run around from them then told to call direct express still got nowhere and I never received any response to the fraudulent charges or how the matter would be taken care of.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

I had a XXXX XXXX plan in effect. I was told by Guaranteed Rate that if I completed XXXX XXXX package my mortgage would go back to good standing, but would be a XXXX year mortgage. I had to have my XXXX payment in by XX/XX/XXXX. I have proof of delivery that the payment was received on XX/XX/XXXX. I emailed XXXX who I was working with and she replied to me that she forwarded the information to Loss Mitigation. I sent in my XXXX payment which proof of delivery shows was received XX/XX/XXXX. This XXXX payment would complete trial package. I emailed proof of delivery to XXXX on XX/XX/XXXX. No one responded to me. I emailed again on XX/XX/XXXX. XXXX told me that XXXX XXXX says they did not cash the check until XX/XX/XXXX so they are telling me I brook the trial payment plan. This is a breech of contract. XXXX told me I could keep making the trial payment plan monthly until the research is completed and they will get back to me on XX/XX/XXXX. Meanwhile any payment I made through the trial modification plan has not been applied to my loan. My credit report also says I am in default of my loan. I filled out an XXXX  application, but XXXX says they are waiting for Guaranteed Rate 's response. I am being lied to and manipulated after I stood by a contract I signed, and they should too.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

XXXX. I do not owe any money to XXXX  XXXX. I have never received a bill from XXXX indicating a balance due. 
XXXX. I have never received a Demand Letter from XXXX indicating if the amount due is not paid by XXXX date, collection action will begin XXXX. My payments for service are up to date [ no money for service is due ] XXXX. I have returned all equipment to XXXX XXXX for which I received a receipt.!! 
XXXX. XXXX has previously contracted for this with XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX, to which I provided the receipt and the same above information. It would appear XXXX is engaged in XXXX XXXX XXXX. 
XXXX. I have provided all this information to IC Systems XXXX IC Systems has NOW placed a derogatory item on my credit report.
Consumer complaint received 2023-01-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance  {$4800.00}
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CENTRAL BANCOMPANY, INC (MO)

I have unfortunately been a victim of identity theft and on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX My XXXX unemployment debit card which is issued by Central Trust Bank was compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed a dispute with XXXX cardholder services. I also filed a police report on XX/XX/XXXX and I've filed a report with the Federal Trade Commission on XX/XX/XXXX. I've submitted all of the above including XXXX XXXX XXXX XXXX the police report and the FTC report as evidence along with the transaction dispute form provided by cardholder services. 
I've yet to be credited for any of the transactions that took place with my account starting on XX/XX/XXXX at XXXXXXXX XXXX with an electronic ( ACH ) funds transfer from card to bank account {$5000.00} personal savings ACH withdrawal. A total {$13000.00} had been taken in total. 
XX/XX/XXXX I was informed by an account specialist with XXXX cardholder services my account has been pre-determined from here on that that no error will be found to have occured what information I send them i this dispute has been investigated multiple times I don't see how these people aren't investigating and working with the other financial institution to where the ACH transfers were sent to it has the names of the individuals and the accounts where they sent my money to right there in the bank statements. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for documents as to how they have concluded the investigation and all they send me is a bank statement.
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: EQUIFAX, INC. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (FL)

I have repeatedly requested information/validation on this debt bearing my signature and have not received anything starting that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of this debt and do not allow me to dispute their claim. I have never done business with Macys, never signed a contract, nor do I owe them any money.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

Approved for assistance with payments, but Rocket/Quicken not set up to accept these payments. Need them to accept these payments asap please. 

Your application for Mortgage Payment Assistance through the XXXX Homeowner Assistance Fund Program, where assistance was requested for your primary residence located at XXXX is now on hold. The servicer you have selected, Quicken Loans has not been setup to accept payments at this time. We are currently communicating with your servicer and requesting their participation in the HAF program.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION (FL)

my government funds are placed in my account 5 days before I can have access to it. 

When items hit against the account before XXXX, when they say then can release the ACH, they still end up charging me {$29.00} overdraft fee which this should not have happened they are robbing people blind
Consumer complaint received 2019-12-05
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: CITIBANK, N.A. (UT)

My credit card begin being fraudulently used on XX/XX/XXXX. I did not recognize this activity until XX/XX/XXXX which is when i Immediately called into the bank to report the charges as fraud. I let the bank know that all charges from XX/XX/XXXX until XX/XX/XXXX were all unauthorized/fraudulent charges. The bank stated that they would work on it and would have it resolved. Over the last three months I have called multiple times inquiring on the issue and have been told that it is being worked and that they will reach out w/ any questions. I was never contacted. Yesterday XX/XX/XXXX i called and requested to speak to a supervisor as the representative i spoke to acted like this was the first time that i had called in regarding the issue. After roughly ~20 minutes on the phone unable to reach a supervisor I was told that a supervisor would reach out to me. I was never contacted by a supervisor and no voicemails were left on my phone. Today XX/XX/XXXX I called in and was told that a supervisor called my phone yesterday and left a voicemail. This is false I would have called back immediately as i want this issue resolved. After speaking to the representative I was told that my incident had been CLOSED and that she will reopen the ticket. This is unacceptable, it has been over 90 days and w/out properly reviewing previous calls/notes to see when i first called in and the claim i made the investigator inaccurately closed the ticket thinking that I lost the card on the XXXX of XXXX. Today i was told that w/ the reopening of the ticket the timeframe is another 60-90 days. This is unacceptable as I have already had these charges on my credit for over 90 days and now they want to leave them on there for potentially another 90 days. The bank has not followed up w/ any questions they had that made them close this ticket and since day 1 I have stated that all charges effective XX/XX/XXXX and later are unauthorized fraudulent charges and I do not accept the liability of them.
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc. (IL)

I open up a XXXX acrd with my son and about 2 to 3mos I decided I did not need the card we went to the bank was told we have to bring our id and that they would remove me from the card no problem. we left couple of months later I ask my son how was he doing he said he was behind I ask him to let me help found out he was XXXX in debt ask why my name on here he said that 's how the bill come I was furious at him in XXXXXXXX XXXX  I called ask what happen they explain they cancel my cark but not me as the primary owner, I begin start making payments they would return payments I had no account number but I had the same ssi number still reyurn I called every day and finally they called me to make a settlement I excepted to pay XXXX for the XXXX. I had until XXXX XXXX I made the payments ontime finish in XXXX rcd a call in XXXX sayi been sent to collecton agency and I owe XXXX but I paid the settlement now I asking for a receipt from XXXXXXXX XXXX they say they do not give receipts and the ars national collection say I will have to wait a month until they review I have until XXXX XXXX help me please.