davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. 
I have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. 
to {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. 
Last night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for me.
Consumer complaint received 2022-08-25
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

I bought a phone from XXXX paid it in full then started having problems with it, called customer service to report they said to return it for a used XXXX after I paid for the new XXXX but before I returned it I took it in to the store to confirm no water or screen damage and they turned around and tried to bill me a second time for the full amount. I was loyal to them for XXXX and this was the XXXX time I 've encountered this problem so I took my business elsewhere. I asked them for proof of damage and received a written response damage was found and I 'm liable with no pictures or documentation this should be illegal and not allowed to affect my credit score. The thx I get for XXXX too long and thousands spent on XXXX customer service
Consumer complaint received 2023-01-13
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. (PA)

XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (UT)

Medical Data Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has reduced and closed all of my credit accounts. This occurred 14 days after filing a complaint with the CFPB. I am asking that this be investigated as I believe that BOA is acting in a retaliatory fashion based on my complaints.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/ I sent money to a recipient through Venmo in the amount of {$300.00}. I selected their payment protection service, that indicated it provides protection when purchasing a good or service. It did not clearly indicate the funds would be held for 21 days. In their fine print it does indicate they may place a hold on funds for certain reasons but does not specify any time limit - let alone a 21 day on funds. During this time Venmo has retained possession of the money, undoubtedly using it for financial gain for their company. They will not provide me any information on when and if the hold will expire or reverse it at my request. Both I and the recipient are at their mercy until they decide to release my funds.
Consumer complaint received 2023-01-13
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. (HI)

I sent XXXX proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information
Consumer complaint received 2023-02-11
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. (VA)

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 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In 2015 I supposedly opened a joint checking account using my power of attorney for my step father and myself. Now Im bring told Im not on the account. I was told during annual reviews I was on the account for at least 6 years. No mention if I should have a beneficiary added. Using my power of attorney in conjunction with a letter from a doctor stating my step father was mentally incompetent to handle his financial affairs i thought I set up a joint checking account. This was done to prevent scamming on Wells Fargos advice. I could of named anyone to the account and named anyone beneficiary. Legally. This account was set up during the time period Wells Fargo was convicted of problems with setting up accounts. Either an inexperienced or untrained banker set up this account. I didnt know it at the time. The bank needs to correct whatever paper work they screwed up so I can close the account and withdraw the small amount of funds.

This has been the most unprofessional experience I have ever had in my life. I trusted wells fargo to help me and got screwed. 
The bank needs to correct their accounting error.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SD)

Best Buy 's Citi bank credit card is spreading payments out on promotional balances, in an attempt to push people past promotional due dates and collect interest. They must have quietly changed there polices recently as I have fallen victim to this getting hit with a past due interest change after establishing an appropriate payment schedule. I would have paid all my promo balances off on time if applied to the balance with the soonest due date.
Consumer complaint received 2023-04-22
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. (AR)

Equifax has reported inaccurate damaging accounts on my credit profile since XXXX. I have wrote in to XXXX on several occasions dating back to XXXX, XXXX, XXXX XXXX and XXXX, asking them to remove unverifiable information. The company has never sent proof of an original contract bearing my signature for the alleged open account with credit acpt. Under federal laws the company has not complied as it is illegal to report information that they can not validate or verify. This account claims I am late and the balance is {$13000.00}. A convergent outsourcing is also reporting and has never been validated n0r verified. This information is detriment to my financial wellbeing.
Consumer complaint received 2023-06-25
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. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper violated the Electronic Fund Transfer Act in misappropriation of my home payment of XX/XX/2022, and now they have violated state and federal law of having not refunded my escrow within 30 days of the loan payoff date
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a fraudulent transaction through XXXX  using my debit card. I paid the seller the money but he never gave me my items. So took to 2 transactions of {$48.00}. I contacted Bank of America and they opened a claim and recently the claim was closed and not resolved. I would like the claim to be reopened so I can receive my money back. XXXX also said to contact Bank of America
Consumer complaint received 2023-01-13
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. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

Account Name : CAF Account Number : 4456**** has violated my rights. Or list of inquiries 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 2023-02-28
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 2023-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I was sent money to my PayPal account to distribute to my deceased friends children. The money was sent on XXXX XXXX, and I distributed the money in the days after. On XX/XX/XXXX I received a message from PayPal, indicating that there was a dispute filed against that charge, saying that it was fraud. They closed the case and refunded the money making my account {$33000.00} in the negative. They told me that my friend was the one that called in about the fraudulent charge. He is deceased so he could not have made the call. PayPal never reached out to me so I can provide them with the evidence that I have to show that whoever is pretending to be my friend XXXX is not who they say they are.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$70.00}, XXXX XXXX XXXX  {$230.00}, XXXX XXXX XXXX {$1000.00}XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX$2900.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CHARGE OFF, 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 2023-08-19
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 (FL)

On XX/XX/2023 I opened a claim for transactions totaling in {$17000.00}. Within XXXX hours or less I was contacted by Wells Fargo bank and was told the claim had been closed and dismissed for undisclosed reasons. 
I was insisting reopening the claim or finding another solution but XXXX XXXX XXXX ID : XXXX informed me there was nothing else I could do.
Consumer complaint received 2023-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I was gifted a Vanilla Visa gift card on XX/XX/2023. I opened the package and tried to set it up through their website but could not because the card had no printed CVV number. 
On XX/XX/2023 I called the help number and was told by the agent I needed to provide the receipt and the CVV number for them to help me. Because it was a gift, I dont have the receipt. There is no CVV number on the back of the card. Because I had neither of these items, they refused to exchange the card. 

I was then told to use the card in person at a store, and it would work. When I attempted to use the card, the store card reader would not recognize the card. I tried three different card readers at the XXXX XXXX grocery store in XXXX, TX on XX/XX/XXXX. They all gave an error message that the card type was not recognized. 

I called their complaint line today, XX/XX/2023, as outlined in their terms and conditions. The customer service representative asked me multiple times if the card worked, and I answered no each time. She then asked for my first name and placed me on hold for about five minutes. She then disconnected the call. At this point, the card is useless, and the company will not provide a replacement. 

I can provide the card with all funds still loaded. I simply want to exchange it for a card that works. 



I have attached images of the gift card that show the lack of CVV.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

We sent money ( {$600.00} ) from our Wells Fargo checking account to a family friend for tickets to a show. Her account was hacked unbeknownst to her and us. 
We immediately ( in seconds ) tried to stop the transaction by following the protocol as instructed on Wells Fargo and XXXX site to stop the transaction. Neither WF nor XXXX stopped the transaction. We called and spoke with customer service, filed a report and still no help or support was given. It was deceitful for Wells Fargo to have us call them when they had no intention of supporting us. 
We were never told that we would not be protected. I followed up with Wells Fargo regarding Regulation E The Electronic Funds Transaction Act ( EFTA ) and Regulation E for electronic funds transfers ( EFTs ) involving consumers and governing transfers by mobile phone apps like XXXX or XXXX. Wells Fargo continued to refuse to protect us. XXXX kept referring us back to Wells Fargo. XXXX should not be allowed to do business without a stopgap and Wells Fargo needs to protect their customers. 
Thank you. XXXX XXXX
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

I purchased a riding lawn mower from Home Depot using the Home Depot Credit card with no interest if paid in full within 24 months. The lawn mower was defective and caught fire. The company reimbursed Home Depot the full amount, Home Deport credited the account {$1800.00} on XX/XX/2015. However Citibank who is the card issuer did not apply the amount to the no interest purchase and have now added the full interest amount to my credit card.